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Bozeman Montana Real Estate's Blog

"Real Estate Team Service Above Expectation"

By Jenifer Lower | Broker in Bozeman, MT
  • Bozeman Montana Real Estate.net Welcomes a New Agent

    Posted Under: Home Buying in Bozeman, Home Selling in Bozeman, Agent2Agent in Bozeman  |  May 3, 2012 1:07 PM  |  300 views  |  No comments

    Our Growing Family: BRANDI OSTWALD

    A Montana native born in Billings, Brandi has been in the Gallatin Valley since 1991, graduating from Bozeman High School and attending Montana State University thereafter. She obtained her real estate license in 2002 and started as a licensed assistant, eventually becoming an independent associate with experience in residential new construction, resales, lot/land sales as well as commercial investment sales and leasing.

    Prior to the real estate arena, Brandi owned her own travel agency and spent her 20’s arranging travel plans for her clients, hosting international tours on the east coast, and traveling in her own spare time. She spent a stint in the Madison Valley with the prestigious Madisonian newspaper taking the helm as their advertising and circulation manager.

    Brandi is the proud mother of a beautiful 10 year old daughter and enjoys spending her extra time with her family and concentrating on her passion for music. Her business philosophy of building relationships in business lends itself to successful business interactions built upon an integrity you can trust.  

    We are honored to welcome Brandi as an agent here at Bozeman Montana Real Estate.net. Her warm personality and full-speed ahead demeanor has made it feel like she has been with us all along. 





    BRANDI OSTWALD

    406.580.6511

    Brandi@Bozeman
    MontanaRealEstate.net

    OUR LOCATION

    2149 Durston Suite #33
    Bozeman Montana 59718



    OUR HOURS

    Mon-Fri    8am-5pm
    Sat-Sun    Upon Schedule

    CONTACT ME

    brandi@bozemanmontanarealestate.net
    Copyright © 2012 Bozeman Montana Real Estate.net, All rights reserved. 
    Fellow Realtors 

    Our mailing address is: 
    Bozeman Montana Real Estate.net
    2149 Durston Suite 33Bozeman, MT 59718
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  • Nine Deadly Selling Sins

    Posted Under: Home Selling in Bozeman, How To... in Bozeman, Property Q&A in Bozeman  |  May 2, 2012 8:28 AM  |  244 views  |  No comments


    Neglect

    Fix your listings repairs that have been on the to-do list for ages. Money will be lost if major repairs are not remedied prior to going on the market.

    Clutter/Junk

    “Clutter eats equity and kills deals?


    Empty

    There is a balance to clutter and vast emptiness. You do not want either. An empty house echoes, showing every flaw, and lacks the ‘homey’ vibe that can pull a buyer into an offer.

    Mispricing

    Overpricing is as detrimental as under pricing. The listing price an agent chooses is not arbitrary. The listing will get appraised and the price is required to align with its appraisal. A client’s gut feeling does matter, but comparables and the current market plays a larger role. Make sure your realtor explains this.

    Staging

    A listing is a showplace. Buyers purchase with their heads but get sold with their hearts. Amplify your listing by enhancing it with minor-to-major staging.

    Ego

    Remaining level headed through the entire selling process is a challenge. Maintain your status of upper hand by not allowing your ego to get in the way while negotiating. If your ego carries you away, what could have been a win-win could result in a win-lose with you on the wrong end.

    Dishonesty

    Tell your agent everything upfront. Big money can be lost by not disclosing details. Your agent has your interest in mind and won’t share anything they feel is not necessary, but that is their call—not the clients.

    Ignorance

    Educate yourself on taxes regarding the selling of your listing. Taxes, deadlines, and the local real estate market are all things you should take the time to familiarize yourself with.

    Belittling

    The value of an agent is priceless. They are your double check every step of the way through a transaction. Trying to sell your home on your own is sheer madness. If the stress doesn’t drive you crazy, the fact that for sale by owner deals result in a lower price point than if an individual had hired and paid an agent. 

     

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  • Big Sky Condo! Dream Location, Dream Views, DREAM HOME

    Posted Under: Quality of Life in Big Sky, Home Selling in Big Sky, Property Q&A in Big Sky  |  May 1, 2012 2:44 PM  |  350 views  |  No comments














    Details
     

    Address: 72 Blacktail Buck Type: Residential Style: Open Floor Plan! Bedrooms: 3 Bathrooms: 3Garage: Single Basement: Yes Size: 2,613 sq. ft. Lot Type: Rectangular Has Suite: Yes Year Built: 2004Taxes: $2,166.00 Condo Fees: $2,400.00
     
     
    Description
     

    Fantastic Deer Run condo - convenient Meadow location on ridge for incredible 'front row' views of the Canyon and Meadow Village. 3 bedrooms with BONUS room on 3 levels. Main level has great open floor plan with kitchen, great room and BR - hickory cabinets, granite tile - rock WB fire place, and beautiful faux wood Pergo floors. Entire upper level is a huge master suite with 3/4 bath with steam shower, office and walk in closet. Lower level has bonus room, laundry, deep 1 car garage, owner lockoff. 
    More Info http://72-blacktail-buck.propertysites.point2.com/
     
     
    Features
     
    Interior Features
    ▪ Carpeted Floors▪ Ceiling Fan▪ Fireplace
    ▪ Laundry Room▪ Vaulted Ceiling 
    Heating
    ▪ Forced Air  
    Roof
    ▪ Asphalt▪ Asphalt Shingles 
    Sewer/Water Systems
    ▪ Public  
    View
    ▪ Mountain View▪ Panoramic▪ Valley
    ▪ Woods  
    Extra Features
    ▪ Balcony  
    Appliances
    ▪ Dishwasher▪ Oven Range▪ Refrigerator

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  • College Students: The Balance Of Student Loans and a First Home

    Posted Under: Home Buying in Bozeman, Financing in Bozeman, Property Q&A in Bozeman  |  April 30, 2012 7:39 AM  |  460 views  |  No comments

    College students are so wrapped up in student loans that the idea of owning their first home is a far off impossibility. Outstanding student loan debt has reached totals exceeding $1 trillion. That number is higher than the amount owed on all credit cards within the U.S.

    “Some student loan payments are as high as a mortgage,” said Cari Sweet-Kostoplis, an assistant vice president of the Jersey Mortgage Corporation in Parsippany. Because of the sky-rocketing cost of college, many seeking to become a first-time home buyer are denied because of the high debt level. “Most lenders follow underwriting guidelines that limit total debt payments — for the mortgage and property taxes, plus credit cards, student loans, car loans and other debts — to 45 to 50 percent of a borrower’s adjusted gross income.”

    Is there hope?

    Yes. Students can restructure or consolidate loans to extend the length of the loans to overall decrease the monthly rate. Another option is to aggressive attack the loan so that when a student goes to begin their home search, they are able to take on more debt. The third option is to use the benefit of family. Parents and grandparents can take out a home equity loan and use the proceeds to pay off the student loan balances. Programs such as Kiddie Condos are viable as well.

    Discuss with your lender, but don’t put the dream out of your grasp! 
    Source: http://www.nytimes.com/2012/04/29/realestate/mortgages-dealing-with-student-debt.html?_r=1&ref=realestate 

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  • Latest News in Distressed Sales

    Posted Under: Financing in Bozeman, Foreclosure in Bozeman, Property Q&A in Bozeman  |  April 27, 2012 7:20 AM  |  494 views  |  No comments

    JUNE 15th, 2012—That is the day that is supposed to change the distressed sales market altogether. Fannie Mae and Freddie Mac loans are to have a decision within the first 30-60 days. If more than the initial 30 days are needed to process a loan, the potential borrower will receive weekly updates and the decision will be reached by the 60 day mark.

    This more regimented time-line will benefit both the servicers and the borrowers by increasing the overall accountability of the approval process. Servicers may counteroffer and expect a reply within five days. Borrowers and servicers alike will both know where in the process the transaction is and the timeline will serve as a tool of evaluation for the distressed sales system as a whole.

    Edward DeMarco, acting director of the FHFA, says the GSEs new borrower communication and timeline requirements for short sales “set minimum standards and provide clear expectations regarding these important foreclosure alternatives.”

    What do you think about this change to come?

    Source: http://www.dsnews.com/articles/fannie-and-freddie-set-timeline-requirements-for-short-sales-2012-04-17?utm_source=twitterfeed&utm_medium=twitter

    More Reading

    KML Hires Industry Veteran as Controller

    Coester Appraisal Group Enhances Cloud Control

    Behind the $25B Settlement: Joe Smith

    Three Nonprofits Join to Transform Vacant REOs into Future Residences

     

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  • Family Home, Quality Finishes, This is a MUST SEE

    Posted Under: Home Buying in Belgrade, Home Selling in Belgrade, In My Neighborhood in Belgrade  |  April 25, 2012 7:41 AM  |  354 views  |  No comments
    Follow on TwitterFriend of Facebook

    Listed for only$171,000, this home is high quality for a competitive price.

    click here for more

     

    MLS:183291 
    Three Bed; Two Full Bath, Open Layout


    click here for more

    Open Layout

    This house is on the 'top shelf' in River Rock. The home has 3 beds plus a bonus office (could be used as office or bedroom), 2 full baths. 
     

    High Quality Throughout 

    Kitchen is dynamite with hickory cabinets, wood trimmed counters, great pantry, eat in area and also area for barstools. The master bedroom is in separate wing from other bedrooms .
     

    Outdoor Space

     Oversized 2 car attached garage, great deck in back and covered porch in front, fully fenced, super back yard. Super finishes, fine woodwork and just 1 block from Ridgeview Elementary.

    OUR LOCATION

    2149 Durston Suite #33
    Bozeman, MT 59718
     

    OUR HOURS

    Mon-Fri    8am-5pm
    Sat-Sun    U
    pon Appointment
     

    VISIT US ONLINE

    bozemanmontanarealestate.net
    Copyright © 2012 Bozeman Montana Real Estate.net, All rights reserved. 
    Fellow Realtors 

    Our mailing address is: 
    Bozeman Montana Real Estate.net
    2149 Durston Suite 33Bozeman, MT 59718
    Add us to your address book
    Email Marketing Powered by MailChimp
    unsubscribe from this list | update subscription preferences 

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  • International Real Estate Buying Tips

    Posted Under: Home Buying in Bozeman, How To... in Bozeman, Property Q&A in Bozeman  |  April 24, 2012 2:20 PM  |  282 views  |  No comments

    Real Estate is complex enough. When buying abroad, five simple guidelines will help buyers stay safe.

    • Know your contract! If it is in a foreign language, trust your translator as much as you do your realtor.
    • Apart from having a real estate professional look at it, have a legal professional look over any contracts too.
    • Double check to make sure you do not inherit the properties debt.
    • Allow for a cool off period (this is good advice for any big decision!) just because it is foreign and a big decision, it will easily slip into a mindset of impulse.
    • Plan to pay your mortgage in the currency you earn it in if possible as to avoid the expense of exchange.

    For more tips on Real Estate (or foreign travel!) email me!

     

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