Envoy Mortgage - Missoula, MT N Higgins Ave, Missoula

Scott is amazing at what he does. Throughout the home buying process Scott and his team provided excellent service, answered every question, and bent over backwards to ensure my transaction went smoothly. I cannot recommend Scott highly enough and look forward to working with him again in the future.

Scott was available almost any day in order to help us answer questions and whatnot. His loan processor, Kelcie, did great as well. Sometimes you got to contact them from your end to follow up on your mortgage process since they’re busy. I’d recommend to the people applying for a mortgage to be quick and responsive for them. Both of them are great at what they do! Here are tips to people applying for a mortgage: Make sure that if you’re a person applying for a mortgage to prepare the correct pdf formats of W-2 tax forms, bank statements for the last couple of months that contain a proper URL and the bank names, gift letters of any money you receive as a gift and don't have to pay back, evidence of transaction history where the gift money came from and the account it went into that contain the URL and bank name, keep enough money in your bank accounts to fulfill your downpayment and other expenses such as the inspections, make sure to prove that you have enough money in your bank account even after making your downpayment, provide proof of employment contact info (I’d recommend to inform your boss at your job(s)), pay your bills on time, don’t open new accounts that would get require credit checks such as credit cards, and so forth. Also, don’t charge too much on your cards unless you're in dire need to do so. Be sure to not get charged for overdraft fees, don’t quit your job and don't start a new job, and prepare to present them with your two year history of employment. Prepare the documents ahead of time to help speed up the process and make it easier and more efficient for everyone. They will inform you if they need any other documents to upload to your profile, so ask before you upload them or you may open another big can of worms. Always be extra vigilant during the underwriting process and pay your bills on time. Everything worked out in the end so we’re extremely grateful for their help! Best of luck and best wishes to everyone!

Scott and the whole Envoy team did a fantastic job through the whole process. As a real estate professional, lenders with the kind of knowledge and communication skills displayed by Scott are rare. He is created such a fan in me, I will use him for my own personal mortgage when the time comes.

Everyone at Envoy Mortgage went above and beyond to help walk us through buying our first house to make it as easy of a process as possible. Thank you all so much!!!

Scott is a pleasure to work with. He got us to closing early (which is a surprise in this market) and was very communicative throughout the process. He's good at utilizing whatever method of communication you prefer (email, text, phone) and lets you know what is happening every step of the way. I highly recommend him.

Scott Lucier was extremely helpful in making our home purchase possible. He was very friendly and personable at all times. He was always available to answer any questions we had throughout the entire home buying process. While going through the closing process Scott worked hard to make sure everything went as quick and smoothly as possible.

I had a great experience with Envoy and especially Scott Lucier. From the first call to the follow up after closing Scott was there to guide me through the process and give me great advice. He and his team did a great job getting things done in time for an on-time closing. Thanks to Scott and Envoy my family has realized our dream of home ownership.

My experience with Envoy Mortgage was fantastic! Service was responsive and we were informed of our status every step of the way! Our lender, George Fotos, was fantastic and made the process verty easy! I highly recommend Envoy Mortgage!

Thanks to Gary and his team for all the hard work. My family and I found exactly what we were looking for and Gary was there every step of the way. Highly recommend Envoy for anyone looking to purchase.

Scott was amazing from start to finish. He was always quick at getting back to us with answers to the many questions we had. He made what should have been a stressful situation virtually stress-free. I would highly recommend Scott at Envoy, if you want peace of mind while going through home-buying.