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Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Bozeman, Belgrade and Big Sky real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached.

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly...

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School Reports in Bozeman, Belgrade and Big Sky, Montana

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Montana Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Bozeman, Belgrade and Big Sky

Financing Your Home >More On ARMs

Lenders are always looking for new ways to help buyers get into the home of their dreams. Today they frequently use adjustable rate mortgages (ARMs) to increase the buyer's options. The interest rate on an ARM changes periodically to reflect changes in the national market. Since the loan starts at a rate that is lower than the national average, lenders can reduce the borrower's qualifying criteria.

One way to distinguish between different ARMs is by the national index to which they are tied. Some ARMs are tied to a slow-moving index called the cost-of-funds index; these are usually the most desirable. ARMs that are tied to a more volatile index, such as Treasury Notes, can be adjusted upward at a quicker rate. Look at all the factors before choosing a loan. The faster index loan may start out with lower rates and lower monthly payments, but the slower index ARM may eliminate your concern about having to re-finance down the road.

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Q	What Elvis Presley film showcased Coco Palms in an outrigger canoe wedding scene?
A	Blue Hawaii (1961)
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Sue Frye, REALTOR®, real estate agent and broker for Bozeman, Belgrade and Big Sky, Montana home listings, property and land for sale - NUMBER1EXPERT(tm)

Sue Frye, Sales Associate, CRS, GRI
ERA Landmark Real Estate
1805 West Dickerson, Suite 1
Bozeman, MT 59715
Phone: 406-556-5056
Fax: 406-586-4946
Email: SueFrye@SueFrye.com
Disclaimer: All information contained herein is gathered from a variety of sources deemed reliable, however, it is not guaranteed or verified by the seller, ERA Landmark, or any of its associates. We urge independent verification of each and every item submitted to the satisfaction of a prospective purchaser.

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