Rick Ahmann and Associates Helena MT real estate

Are you looking to buy a home in Helena, MT?

Take some time when considering your property in Helena.

Choosing your real estate professional is one of the most significant decisions you will make when buying property.

These tips will help you find and obtain the home of your dreams quickly and efficiently. Moving to Helena, Montana, should be a breeze, and we can help make that happen. We believe the more you look around, the more you will see the true value of working with us. If you're a first-time buyer, you can find more information here.

Before you shop:
If you are looking to buy a home or property in Helena, you may find the perfect home quicker than expected if you follow these basic guidelines.

Be an informed consumer. Learn the financing basics and know how to shop for the home loan that's right for you. Learn as much as you can about financing, in order to ensure you are a smart consumer, and define what loans you can afford. Here at Rick Ahmann and Associates, we understand the financial process can be overwhelming, our team of hardworking men and women have dedicated their time to help. Our goal is to provide you with all the tools and knowledge needed to be successful. This includes three absolutely free reports that feature professional tips for first-time buyers and educational information about real estate in Helena, Montana.

Get pre-approved. This task is not only important but crucial before you can apply for a home loan. It allows you to budget for a property that fits your lifestyle. Not to mention, it’s simple to complete. If you have any questions about pre-approval call us today at (406)442-3111 or toll-free at (866)933-1379.  For our team, real estate is a lot more than the transaction. We pride ourselves on client relationships and are happy to help in any way that we can.

Know what you want. The last thing you need is to close a deal and realize you bought a house you don't want. Ask yourself what you're looking for in a home, before you shop. Think about size, commute time, neighborhood, and necessary repairs. Are you an outdoor enthusiast looking for an adventure? If so, there are plenty of recreational activities within the Helena-Lewis and Clark National Forest, which sits just outside of Craig and other neighborhoods in Helena. Or are you interested in finding a home near the school district? Or somewhere with a short commute to work? There are 12 constituent neighborhoods to choose from, with a population of 30,581 people, making it the 6th largest community in Montana, according to Neighborhood Scout. Get acquainted with the Helena area and find the best neighborhood for you and for your family.

Keep your debt load to a minimum. Don't make major purchases or incur any additional debt until after your purchase. Pay off credit cards and don't apply for new ones. Remember, financial institutions evaluate your financial situation on your gross monthly income. Your total monthly house costs should not exceed 28 percent of your gross monthly income. If you have any questions about your finances, consult the local experts here at Rick Ahmann and Associates. We are happy to answer any questions.

Be prepared to view new properties quickly. It’s a good time to buy real estate in Helena, MT,  and the listings are constantly shifting. According to Sperling’s Best Places, the home price in Helena is $212,000 with home appreciation up by 4.2% in the last year. Homes sell quickly in our area, so be ready to make fast decisions. Be accessible to change the terms quickly.

Have instant access to your agent. Instant communication can make a difference in purchasing the property of your choice. Our team of real estate experts are prepared and thrilled to find the perfect homes for sale in Helena, MT, that are fit for you. We are serious about our relationship with you during this journey, we want to be there for you every step of the way.

Before you buy:
So you’ve found your dream home, in an area that suits you, for a price that is within your budget. Before you begin moving to Helena, Montana follow these basic principles to ensure you get the best price possible.  

Submit a strong, competitive offer. A key factor when attempting to purchase a house in Helena, MT, is submitting an offer that is both appealing to the owner and also within your means. A competitive offer will bring more attention to you as a buyer. It’s best to get advice from your real estate agent. Our real estate agents have the knowledge needed in the real estate world, we are more than happy to help you come up with an offer that will get noticed.

Include a substantial earnest money deposit. Sometimes offers are accepted based on the amount of the deposit. The greater amount of money included in the deposit, the more likely your offer will be chosen. Our agents are familiar with local trends. We are aware of what homes for sale in Helena, Mt usually sell for, and the deposit price attached to those sales.  

Try to minimize the number of contingencies. Fewer unexpected events will mean a stronger offer. Try to remain as consistent as humanly possible. It’s best to understand what contingencies come up in your new home’s neighborhood, so ask your real estate professional for advice on which risks to keep and which to ditch. Our real estate agents will joyfully assist you in deciding which contingencies are worth keeping.

Hire an inspector. A professional building inspector or appraiser will make sure the house of your choice is in satisfactory condition. This is needed before you can move further on a home loan. 

Check zoning regulations and covenants. Good residential neighborhoods will be zoned to keep out commercial and industrial users. Read any restrictive covenants and make sure they fit your lifestyle. If you have any questions about zoning regulations, contact us today.  

Request an updated property survey. Be sure that the property survey clearly marks boundaries. Check for problems you may see, and contact your real estate agent about it.

Make sure you know what stays or goes. Your contract should be very specific about which items (appliances, etc) are included in the sale. Our agents will happily go over your contract with you and identify the items that are included in your home purchase.

Get agreements in writing. Make sure that certain verbal agreements are written into the final contract to avoid any stressful and expensive issues later.

If you're interested in moving to Helena, Montana check out the latest listings for the area. Questions? Call us today at (406)442-3111 or toll-free at (866)933-1379 or check out our Facebook page and learn more about us.