Toby Gilchrist

My name is Toby Gilchrist, and I’m a mortgage professional with over 19 years of experience as a real estate lender, investor, and developer. As a partner at Montana Mortgage Partners, I work alongside an exceptional team to help clients secure the right financing solutions for their home purchase or real estate investment.I specialize in residential mortgage lending, including conventional, FHA, VA, jumbo, and non-QM loan programs. My approach is different from traditional lenders—I evaluate every mortgage as a long-term financial strategy, not just a transaction. By aligning each loan with my clients’ broader financial goals, I help homebuyers, homeowners, and real estate investors make smarter, more strategic decisions.Over the years, I’ve built a reputation for tenacity, clear communication, and advanced problem-solving. I’m known for structuring loans in complex scenarios, finding solutions for self-employed borrowers, investment property financing, and situations where other lenders may fall short. If there’s a path to approval, I will work relentlessly to find it.At Montana Mortgage Partners, we are committed to providing competitive rates, fast closings, and a seamless lending experience. Whether you’re buying your first home, refinancing, or expanding your real estate portfolio, I bring the expertise and strategy needed to help you succeed.Outside of my professional work, I enjoy whitewater kayaking, skiing, hunting, and spending time in the outdoors. I’m also a husband and a father of seven, and I bring the same dedication, integrity, and long-term mindset from my personal life into every client relationship.If you’re searching for a trusted mortgage lender who can deliver creative solutions and expert guidance, I would welcome the opportunity to help you achieve your real estate and financial goals.