All articles about Montana First-Time Home Buyer Guide.
Montana is a title-company state — attorneys aren't required at closing. Here's what first-time buyers actually need instead, and what the title company handles for you.
Bozeman median is $702K–$779K. MBOH program caps at $544K. Here's where Montana buyers go instead, and what programs still apply.
Moving to Montana from out of state? Here's what coastal transplants and remote workers consistently miss — no building codes, wildfire insurance risk, well/septic defaults, and more.
Private wells and septic are standard infrastructure in rural Montana. Here's what first-time buyers need to verify before closing — flow rates, setbacks, county rules.
MBOH's 80/20 program pairs a conventional loan with a subordinate loan to eliminate PMI. Income limits run up to $142,800 in Gallatin County. Here's how it works.
Montana state building codes don't apply to most rural homes under 5 units. But electrical and plumbing still require state permits. Here's how the patchwork actually works.
Montana's standard buy-sell agreement sets the rules for your entire purchase. Know the inspection, title, and financing contingency windows before you sign.
Montana has no real estate transfer tax — a genuine advantage at closing. Buyer costs run 1.3%–2.8% for a $400,000 home. Here's every line item with real numbers.
Comparing a structured Montana-specific home buyer guide vs. piecing info together from Reddit, Google, and free checklists. Here's what DIY consistently misses.
Montana's homestead exemption doesn't cut your property taxes — it shields up to $350,000 of home equity from creditors. Here's what that means for buyers.
Montana's Mold Disclosure Act requires sellers to disclose known mold and provide testing and mitigation evidence. Here's what triggers the requirement and what buyers should verify.
Montana buyers get a warranty deed at closing. Quitclaim deeds serve a different purpose entirely. Here's when each is used and what the Realty Transfer Certificate requires.
Montana uses deeds of trust, not mortgages. That means non-judicial foreclosure, no right of redemption, and no deficiency judgment on your primary home. Here's what that means.
Montana's Veterans' Home Loan Program offers ~1% below-market rates — on top of VA benefits. Zero down, no PMI, and a rate advantage most Montana veterans don't know exists.
Most of Montana is EPA Zone 1 for radon — the highest risk designation. Kalispell averages 7.50 pCi/L, nearly double the EPA action level. What buyers need to know before closing.
USDA loans offer 100% financing across most of Montana. Income limits, eligible areas, and the well/septic rules that affect rural properties — here's what you need to know.