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Avoiding Financial Stress

By asking the right questions, and knowing exactly what your needs are, you can find the right loan for you. There are certain approaches that you can take while mortgage shopping that can cost or save you money.

It is still true that the better qualifications you have, the lower your interest rate will be. However, there are mortgages available for almost everyone; it's the interest rates or the down payments that vary.

Before speaking with a lender, know what monthly dollar amount you feel comfortable committing to. Then when you discuss mortgage pre-approval with your lender, it is easier for you to determine the monthly amount and what value of home the monthly amount translates into. Do not put yourself in the position where you will be paying more each month than you intended simply because the dream home requires it.

Do your research on the types of mortgages available to you and find the one that best suits your needs. There are a number of considerations to be made in terms of finding the best mortgage for each individual:

  • What type of market are you in? Are the interest rates falling or rising?
  • Do you want a fixed mortgage rate, where you will always know what your payment is going to be?
  • What are your long-term goals? Do you intend to resell the property? Do you only need the mortgage for a short time?
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Myrna Rue and Suzy Hahn
Montana Realty Company of Red Lodge, Billings and Cooke City
Main Office:

12 North Broadway
P.O. Box 2284
Red Lodge, MT 59068
Phone: 406-446-4744
www.montanarealtycompany.com

www.redlodgerealestate.com
                 
                                                             
Myrna Rue, Broker/Owner
Website
Mobile: (406) 670-5707
Email: myrnarue@gmail.com

Sandy Conlee, Associate Broker
Website
Mobile: (406) 425-1457
Email: mtconlees@gmail.com

Suzy Hahn, Broker/Owner
Website
Office Phone: (406) 838-2443
Mobile: (406) 223-8238
Email: SuzyHahnMt@gmail.com


Laurie Windjue Haugen, REALTOR®
Website
Mobile: (406) 860-1090
Email: lauriehaugen@gmail.com

Joy DeSaveur, REALTOR®
Website
Mobile: (406) 670-8818
Email: joydesaveur@gmail.com

Jim Hilderman, REALTOR®
Website
Mobile: (406) 425-1540
Email: jim.hilderman@outlook.com
 

Stacy Sager, REALTOR®
Website
Mobile: (406) 426-0154
Email: stacysellsmontana@gmail.com

Lisa Ann Ohlinger, REALTOR®
Cooke City Office
Website
 (406) 838-2332
Email: lisaannohlinger@yahoo.com