An Insider's Look at Financing | Real estate goes well beyond simply viewing a few homes and picking the one with the best curb appeal. There are endless moving pieces and professionals involved with each step of a successful transaction. One key element to keep a deal moving forward for most home buyers is the process of finding the right mortgage product for their personal situation. Though REALTORS® have a good overall knowledge of lending, I asked a respected local lender to contribute this month. Cyndy Rigler (NMLS License #282027) is the President of Western Home Mortgage in Livingston, and I appreciate her assistance with providing an up-to-date look at the effect of interest rates on the residential real estate market. "Home buyers who have recently obtained residential mortgages have benefited from interest rates at historical lows. After reaching a high of nearly 19% in 1981, mortgage rates have steadily declined and remain in the low single digits. When I opened Western Home Mortgage in 1995, interest rates had dropped below 10% and many Livingston homeowners were able to refinance their mortgages, substantially reducing their monthly payments and receiving cash back for home improvements. Livingston saw many homes receive face-lifts, and home values increased due to updated amenities and much needed maintenance. |  | The annual Move-In Day at Montana State University commences next Wednesday, August 22nd. With the start of a new year, MSU is celebrating an incredible milestone of 125 years of education and growth! The start of the 2018 Fall semester at MSU also marks the beginning of a favorite Bozeman past-time: Bobcat Football! |  | | | 1299 Fort Ellis, Bozeman | | $1,495,000 | MLS 324095 | | Once in a lifetime opportunity to own a little slice of heaven, yet minutes from downtown Bozeman. Peace, quiet, seclusion, and sweeping views of mountain ranges and rolling ag. land in all directions. Encompassed by 311 acres of State Land on 3 sides, which the owners lease, and can assign at closing, if desired. Classic 1900 farmhouse on 8.5 acres that has been beautifully restored and renovated, as well as multiple outbuildings and pastures. 60x40 Morton building, with half of it as exquisitely finished office space, and the other half as pull-through garage space. Also includes a detached 3 car garage, with shop space behind 3rd door. Cute as a button, heated, detached guest cabin or conference rm. Turn-key ready for horses w/ 6 stalls, tack room, round pen, and 3 frost free waterers. 4 metal grain silos convey, and make for excellent storage space. The flexibility of uses on this property is endless! | | | | | 11 Lookout Trail, Livingston | | $425,000 | MLS 325664 | | The mountain views from this well kept home and 10 acres in Buffalo Trail Estates are second to none! Experience country living just 10 minutes to town or I-90 in this spacious and well maintained 3BR/2BA home, with a full-unfinished basement that provides plenty of room to expand into a total of 2912 square feet. The home was custom designed with two French Doors from the living room to the wrap around deck, plus extra large windows throughout so the main living area is bright and airy. The master suite has a large walk-in closet and full bath. In the summer you'll want to spend as much time as possible on the deck taking in the magnificent views of the Crazy Mountains and Absaroka Mountains. The current owners heat mostly with the wood stove so winter heating costs are low. The 26x48 (1248 s.f.) garage/shop will hold four vehicles and then some! The driveway was just resurfaced. This property is easy to see so call for your personal showing today. | | | | 406 Firelight, Big Sky | | $409,000 | MLS 325692 | | Great opportunity to move right into your own Home at Firelight Meadows Chalets. Slate Floor in Kitchen and Entry, River Rock wood burning Fireplace and Oak Trim package. Enjoy this 3 bedroom, 3 bathroom condo with, large kitchen, spacious dining and living area, plus ample storage and large patio. Vacation home, rental possibilities. Centrally located and convenient to all that Big Sky has to offer in the Meadow Village. | | | | | 19 Spur Trail, Ennis | | $319,000 | MLS 323850 | | This is a unique, wonderful & hard-to-find property. Good value, great investment. The cabin has a large great room with lots of large windows to the view & a wood stove, living & dining & work areas plus efficient kitchen & closet. A nice deck is on the front of the cabin with views to the east & south. You can see the Madison River to the SE & Ennis Lake to the NE. Across the valley is the dramatic Madison Range. The cabin has a full bath with tub/shower combo, stackable W/D & storage cabinet. The master BR has a door to the back deck. The second bedroom is quite small but perfect for kids, an office or storage. Access to the crawl space is below the deck & houses the water heater & pressure tank & great storage space. There is also storage under the deck. The cabin comes furnished. | | | | |
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