Buyer Tips for Bozeman, Belgrade, Big Sky, Manhattan, Three Forks, Livingston, Ennis, Helena, Dillon Montana Real Estate, and beyond. 

Learn about the $8000 First-Time Home Buyer Tax Credit - American Recovery and Investment Act of 2009

Choosing your real estate professional is, perhaps, the most important decision you will make when buying property. I believe the more you look around, the more you will see the value of working with Taunya Fagan Bozeman Montana Real Estate. 

These simple tips will help you find and purchase the home of your dreams more quickly and efficiently. If you're a first-time buyer you can find more information here.

Before You Search:

Be a smart consumer. Learn the financing basics. Know how to shop for a home loan that's right for you.

Get pre-approved. This takes very little time and lets you know the price range that fits your lifestyle.

Know what you want. The last thing you need is to close a deal and realize you bought a house you don't want. Ask yourself what you're looking for in a home, before you shop. Think about size, commute time and necessary repairs.

Keep your debt load to a minimum. Don't make major purchases or incur any additional debt until after your purchase. Pay down credit cards and don't apply for new ones. Remember, financial institutions evaluate your financial situation on your gross monthly income. Your total monthly house costs should not exceed 28 percent of your gross monthly income.

Be prepared to view new properties quickly. Sometimes homes sell quickly, so be ready to make fast decisions. Be accessible to change the terms.

Get access to Taunya Fagan Bozeman MT Real Estate. Regular communication can mean the difference in purchasing the property of your choice.

Thoroughly discuss and sign the necessary legal paperwork to contract with your agent. Click here for in-depth information about your Realtor's duties to you as your Buyer's Agent.

Before You Purchase:

Submit a strong competitive offer.

Include a substantial earnest money deposit. Sometimes offers are accepted based on the amount of the deposit.

Try to minimize the number of contingencies. Fewer contingencies mean a stronger offer.

Hire an inspector. A professional building inspector or appraiser will make sure the house of your choice is in satisfactory condition.

Check zoning regulations and covenants. Good residential neighborhoods will be zoned to keep out commercial and industrial users. Read any restrictive covenants and make sure they fit your lifestyle and you fit their parameters.

Request an updated property survey. Be sure it clearly marks boundaries. Check for problems.

Make sure you know what stays or goes. Taunya Fagan Bozeman Real Estate will ensure your contract will be very specific about which items (appliances, etc.) are included in the sale.

Don't forget to review your Home Buyer Checklist.

Get Agreements in Writing:

Make certain verbal agreements are written into the final contract to avoid any stressful and expensive issues later.

Montana Housing Resources - Montana Home Buying Assistance

Explanation of Mortgage Types     Explanation of Points    First-Time Buyer

 Free Reports      Mortgage Insurance - Home Owner's Insurance    Get a Home Inspection

After You Buy File a Declaration of Homestead

All information contained herein is derived from sources deemed reliable, however, information is not guaranteed by Prudential Montana Real Estate, Managing Broker, Taunya Fagan or other Agents or Sellers. Offering is subject to error, omissions, prior sales, price change or withdrawal without notice and approval of purchase by Seller. We urge independent verification of each and every item submitted, to the satisfaction of any prospective purchaser. Prudential, the Prudential logo and the Rock symbol are registered service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. Used under license with no other affiliation with Prudential. Equal Housing Opportunity.