Blog
How the Iran Conflict & Rising Oil Prices Are Quietly Moving Mortgage Rates
When it comes to mortgages, most borrowers don’t realize just how much money—and time—they’re leaving on the table by accepting cookie-cutter loan terms from big banks and retail lenders.
If you're planning to buy a home in Montana in 2025, mortgage pre‑approval should be your first move. Whether you're searching in Bozeman, Red Lodge, or Billings, getting pre‑approved strengthens your offer, helps define your budget, and speeds up the buying process.
Montana ARM vs 30‑year fixed.
Refinancing your home in Montana can be a smart financial move, but timing is everything. With interest rates, home values, and personal financial goals all playing a role, choosing the best time to refinance can save you thousands.
We've been freezing our tails off here in Montana for the last couple of weeks. The cows are getting ready to calve and we all need a thorough thawing out! I hope you have stayed reasonably warm. We have some interesting things to talk about today.
One of the biggest conundrums facing homebuyers today is how to manage the transition of buying a NEW home with the equity in your current home as down payment. It's quite puzzling and stressful. Imagine, you have found the house of your dreams and you want to put in an offer before anyone else steps in front of you, but you haven't even started the process of listing your home for sale, let alone found a buyer. You could put in an offer on the new home with a Home Sale Contingency, meaning you would have to sell your current home prior to closing on the new home.
Are you a fan of solicitors calling your phone trying to sell you something? Me neither. I love hearing from friends, family and folks in business that I KNOW but I am not a fan of companies I don't know calling to sell me something. I think most of my clients feel the same. Am I wrong?
As we move into another holiday season and a new presidential administration, home buying is still a bit challenging. Buyers are struggling with monthly payment which has been generated by higher prices coupled with higher interest rates. It has made for a conundrum that has been hard to swallow. However, FEAR NOT!
I hope you can feel the wind down of the year and are preparing for a lovely holiday season ahead. This time of year makes me think about home and how lucky we are to be a small part of a family's journey to get there.
