We have a perfect home-buying situation brewing in Billings: Both home prices and mortgage interest rates are low, which means many renters can move into a nicer home for a lower monthly payment.

Who wouldn't want more space, nicer finishes or a bigger backyard — all coupled with a little extra room in their monthly budget?

Unfortunately, many potential homeowners are held back by the paperwork and confusion that can come with shopping for a mortgage or refinancing an existing mortgage. That's why we turned to the experts at First Federal Bank & Trust.

They are based right here in Billings and have decades of experience with the loan process. Both Robyn Barta and Tiffany McNeff have received "Gold Leaf Certification from Lending Tree as a best-in-class mortgage professional and hold a 5-star lender review rating for prompt service, competitive rates and client satisfaction," according to their biographies. First Federal Bank & Trust focuses solely on mortgages, so you know you're always their top priority.

First Federal Bank & Trust

They believe buying a home should be a fun and exciting process, not a stressor, so they are happy to meet with residents to walk through their options for mortgages or refinancing. They also have plenty of online tools for customers who prefer to start their research that way. Click here to see mortgage rates and their payment and refinance break-even calculators.

If you prefer to talk directly with Robyn or Tiffany, call 406.652.3381 and they'll find a loan that works for you.