Buying a Home or Land

Buying a Home or Land

Buying a home or mountain lands is an exciting and complex adventure. It can also be a very time-consuming and costly one if you're not familiar with all aspects of the process, and don't have all the best information and resources at hand.

One of our specialties is representing the best interests of area buyers throughout the whole buying process. Our comprehensive, high-quality services can save you time and money, as well as make the experience more enjoyable and less stressful. (click here)

If you're like most people, buying property is the biggest investment you will ever make. So whether you're buying a starter home, your dream home or an investment property, why not take advantage of our experience as a local real estate agents for southern Montana to assist you in making the most informed decisions you can, every step of the way? (read the 20% down myth)

The “20% Down” Myth However, regardless of generation, the struggle to find a down payment for a home – whether it’s a first home or an upgrade, is often clouded by the misnomer that 20% of the cost of the home is needed to buy a house.

Not so.

“This is why it’s really important to talk to a REALTOR or other real estate expert,” Lautz said. “There is certainly a fear of reaching out among the younger generation. Instead, they’d rather start their real estate research online. That doesn’t surprise us. But if you talk to someone who is trained in this market, you can find there are programs that allow you to purchase a home with as little as five percent down.” (see article below)

If you have every been on any websites, searching for real estate you know it can be a very daunting and overwhelming experience!     

A dedicated buyers agent; 1) Often preview properties on be half of their clients.                                    

2) Typically they create a short list of properties (based on client criteria) prior to viewing and accompany their client to property showings.

3) Offer concierge services such as locating lodging, arrange for transportation, set up showings, or tour the local area.

4) Some Buyers Agent specialize in management connecting the buyer with ‘trades’ people such as builders, lawyers, property managers and more.

5) Often Buyer Agents have access to off-market properties via their network of professional and personal contacts.

6.) A dedicated Buyer Agent earns her/his money! Did you read about some of our services on the home page?

MONTANA BUYER REALTY – Jason Mascari and James Kozlik have a combined 21 years of experience, selling, buying, building, investing and other various aspects of the real estate market.

Jason Mascari

Montana Real Estate License 17203

406 220-5233


James Kozlik

Montana Real Estate License 10547

Montana Contractor License 55497

406 220-1563


Home vs Rent

“Updated quarterly, NAR tracks data regarding things like home ownership intent or desire. To see if people think now is a good time to buy a home or if it makes sense to stop renting and buy or to continue renting.

The people polled in this survey are the same average Americans who drive the housing trends and markets today. Therefore, the HOME survey can be very beneficial when deciding what to expect next and help shape important decisions.

The survey shows that half of all renters in America, much like Proctor, feel like they can’t afford to buy a home.

“Some of that we found is attributable to student loan debt and they don’t feel comfortable taking on additional debt,” said Jessica Lautz, managing director of Survey Research and Communication for NAR’s research division. “The other aspect of it is the misperception of down payment options.

Thirty-nine percent think they need more than 20 percent down to purchase a home. Eighty-seven percent think they need more than 10 percent. There’s a gap in knowledge between low down payment options and what they believe they need.”

Hale added that the biggest problem is a lack of education on how the process works.

“We know that in the long run homeowners accumulate wealth as they pay down their mortgage, and home ownership remains part of the American Dream. Our data shows that right now it’s probably more affordable for renters to buy a home than they realize.”

“You can put as little as 3.5 percent down using a Federal Housing Administration loan. A lot of these people could afford a monthly mortgage given the prevailing home prices…”

“You can put as little as 3.5 percent down using a Federal Housing Administration loan. A lot of these people could afford a monthly mortgage given the prevailing home prices, especially in markets in the Midwest and South. These are the areas where the greatest share of renters could stop renting and potentially become a homeowner.””

Exert from NAR article 2016 by Anthony SanFilippo

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