Larry ThomasBillings R. E. Professionals1148 16th Street West Suite #16BILLINGS, MT59102Phone: (406) 628-2903Cell: 545-9249Fax: (406) 248-4481Toll Free: 1-800-748-2299
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Welcome To My Website
If you would like to search for property in our local MLS, just click the button to your left.
If you need help feel free to call or e-mail me.
If you are looking for property outside central Montana or anywhere in the USA, just click on the link below.
Found That Special Property
Once you have found a property that interests you, call or e-mail me to take a closer inside look or to find out more details.
I will usually respond immediately. In todays fluid market it sometimes requires quick action.
If a property is premium and priced right it can sometimes be sold the 1st day or two that it comes on the market. You would not want to miss that special home by a few hours or days.
Thinking Of Selling ?
If you are thinking of selling, let me sell it for you with my complete marketing toolkit that includes "Talking House" as well as internet marketing, and many more.
PRICE and EXPOSURE are two of the most important aspects of selling your property. If your property is overpriced it will take longer to sell . If it is on the market for a long time it will create the appearance there is something wrong with the property.
Maximum exposure is absolutely essential to sell a property in the least amount of time at the best price.
Call or e-mail me today so we can get busy marketing your property tomorrow.
DID YOU KNOW ?
Did you know?
Any loan not guaranteed or subsidized by the government or it's agencies is called a conventional loan. With a conventional loan the lenders use as a standard an 80% loan to value which after the buyers good credit has been established is considered a safe loan. Many times the buyer is not able to pay 20% of the purchase price as a down payment and the lender will consider, usually at a higher interest rate, a 90% or higher LTV. In this event the lender will require private mortgage insurance ( PMI ). This insurance will cover the lender for the difference over the 80% LTV, in the event of the purchaser's default on the loan. The initial PMI preminum is paid at closing and the renewal preminum is added to the interest rate of the mortgage, usually around one half a percent or more. This PMI is only required for the amount over the 80% LTV. As the mortgage matures and the principal amount has been substantially reduced or the home owner has made some big improvements to add to the value of the home, the LTV may fall below the 80%. In this event the homeowner may request an evaluation to establish the home's current value, called a certificate of value. The lender will request an appraisal or a brokers price opinon to establish current value, usually paid by the homeowner. Once the value has been established and if the principal amount of the mortgage is below the 80% LTV, the homeowner may request that the PMI be cancelled.