Before you start shopping for your new home, it is important to know how much home you can afford. 

When it comes to getting a mortgage, who you work with matters as every lender charges different fees and has different loan programs to offer. 

We have made it easy with this short list of questions to ask a lender and a few reputable lenders our clients have loved in the past. 

Questions to Ask a Lender:

1. Which type of mortgage is best for me?
2. How much of a down payment will I need?
3. What is my interest rate?
4. What are your fees as a lender?
5. Will I have to pay mortgage insurance?
6. What will my monthly payment be?
7. What are my other closing costs?
8. How long will it take to get a loan?

Preferred Local Lenders:

Cornerstone

Are you ready to buy a home for the first time and not certain where to start? Then this video is for you! Call Tamara at 406-223-6823 if you have any questions.

Are you looking to purchase your first home? Or maybe you're looking to buy your next home? If you're in the market to purchase, do you know what you are looking for? 

Purchasing a property is a huge commitment and we don't want you to regret your investment. We want to help you think of things you normally wouldn't, especially if this is your first home. 

Food for Thought

• Think of your current home: What do you love? What do you hate? 
• Think about your schedule: Do you work from home and need an office? Do you work late into the night and need exceptional exterior lighting?
• Think about storage: Do you need an over-sized closet for all your seasonal gear? Do you have a lot of hunting equipment that needs an outdoor shed?
• Think

Are you tired of renting?  Are you wanting to live by your own rules, rather than some strangers? Are you tired of being told you can't have a dog? Are you tired of your landlord telling you they are coming to do a walk through, or you have to move because your landlord is selling? 

It doesn't really matter what your "Why Buy" reason?  Did you know you can buy a home for 0% down outside of Bozeman (West of Gooch Hill), or as low as 3.5% down in Bozeman city limits?  Did you know you can do a conventional loan for as little as 5% down?

Have a questions or need a showing? 

Contact us Below

Are you in the market for a condominium?
Are you aware of who is responsible for damages and maintenance to the condominium? The owner or the condo association...

Have more questions? Call Tamara Williams today at (406) 223 - 6823 or visit our blog "Buying A Condo - What You Should Know"

The days may be getting shorter, but the list of reasons to BUY NOW is getting longer. 

The falling leaves and slowing days often cause the real estate market to do the same. But here are some reasons why this slower pace could actually be good for home buyers. 

1. There are fewer Buyers on the market  

As the market slows, this means there are LESS BUYERS on the market competing for the same house. This makes it easier to negotiate by giving Sellers less options to chose from. 

2. Sellers may be motivated by the end of the year

Closing by December 31st may be beneficial for Sellers in terms of taxes. They may be able to take advantage of tax gains or losses during the year, that might go away if they were to settle in January. 

3.

A new Senate Bill has been passed and we are eager to share it with you!

Senate Bill 300 was passed to prevent Homeowners' Associations (HOAs) from imposing new covenants, conditions, and restrictions (CCRs) on certain types of use of property. 

Effective May, 8, 2019, this bill prevents an HOA from imposing certain types of new use restrictions against owners who purchased their properties before the restrictions went into effect and do not wish to be bound by them. Basically, if your HOA makes adjustments to your CCRs after you've purchased your home, you can be "grandfathered" into the prior CCRs and exempt from the new CCRs. And guess what? All you have to do to become exempt from the new CCRs, is contact your HOA and tell them, then record

When buying a home, a lender will run your credit score to start the process of getting pre-qualified. What you should KNOW is that your credit score will dictate how much of a loan the lender will give you.

While this might sound scary to you, it is going to give you piece of mind should they find anything you may need to correct or perhaps even something you were unaware of. We HIGHLY recommend getting pre-qualified as many sellers will not even entertain an offer unless your financing is in order. 

If you have a credit score in the 600s, a lender will have a much different value of how much home you can afford vs. if you have a credit score in the 800s. 

1. Payment History
35% depends on bills paid on time. Note: Auto-pay is a total game

Bozeman is an outdoorsy community with a dog in almost every home.

Bozeman won 2nd place in Dog Fancy Magazine’s Most Dog Friendly Towns in the U.S.. Bozeman has a population of roughly 45,000 and a dog population of 30,000. 

A well-exercised dog is a happy and healthy dog. It is very common to see dogs joining their families hiking, camping, swimming, hunting, or even strolling Downtown Main Street where local shops will have water bowls out front for thirsty pups passing by. 

Bozeman has 7 Off-Leash Designated Dog Parks:

•             Snow-Fill Recreation Area ~ 37 acres (2956 McIlhatten Rd.)

•             Regional Park (between Baxter Ln and Oak St)

•             Centennial Park (5-9am only, between W Tamarack St and W Peach St)

The current population in Gallatin County is 107,810 people with a population growth projection to 159,000 in 2045. In the next 28 years, Gallatin County is projected to grow at 2,000+ people per year until 2045. Of this growth, about half is likely to occur in the City of Bozeman. So what does that mean for you as a renter? Well, that could mean higher rent prices, lower rental inventory, stricter rental agreements and more!

Now for the big question, “Is now the right time for me to buy?” Whether you are just tired of renting and want to live by your own rules or maybe you're tired of being told you can't have a dog/or your rental doesn't allow pets. Or say you’re tired of your landlord telling you they are coming to do a walkthrough unexpectedly