In this Short Video Christopher Seder of Big Sky Property Solutions LLC gives a testimonial to Ernan Cortez of Diamond Realty in Billings MT.

Ernan recently came to Big Sky Property Solutions LLC in Billings MT with a client who had a house he needed to sell fast.  Big Sky Property Solutions was able to purchase the property for all CASH and close in less than 2 weeks.

the property is located at 2938 weaver ave in Lockwood mt.   The Lockwood mt house is currently under construction and will be back on the market shortly.

Watch this video to find out more

For more information on how Big Sky Property Solutions LLC can help you

go to http://webuyhousesbillings.com

You can also Sell your Billings MT Home in 1 Day.

Everyone in Billings MT has heard that houses just are not selling. I have spoke to tons of realtors who all say the same thing, houses just are not selling right now. I am sure that you have heard that too right? But there is hope, I recently talked to a lady who sold her Billings House on the retail market in one day. Yes one day. How did she do this? First let’s talk about why houses are not selling.
Reasons why houses are not selling right now
• Asking Price
• Condition
• Competition
• Marketing
• Amount Owed
• Banks not Loaning money

There are a few of the reasons why houses are just not selling. Let’s take a look at how a lady in Billings MT sold her houses in just one day. And guess what she did not do much. All the lady really did was make sure that her houses was in 100% perfect condition, and then priced her property at $139,990. Her house appraised for $149,900, so she dropped her asking price by $10,000. Why did she do this? Because she knew if she wanted to sell her home fast, she had to price her home below the competition.
Lesson 1, is to price your house Below your competition. Buyers in Billings are looking to get a discount, everyone wants to buy a house and have instant equity.
Lesson 2, fix up your house. At least paint the inside, clean the house, clean the carpets, and fix anything that needs it. There are hundreds of houses on the market right now and no buyer wants a house that needs work, when they could pay an equal or less amount for a house in Amazing condition.

Lesson 3, is to look at your competition. Set your house apart from the competition. That could be price, special features, condition, or whatever.
Lesson 4 is to market the hell out of your house. Even if you have a realtor you need to help them out. By putting craigslist ads up for them, put up more directional signs and tell everyone you have a house for sale.
So lets recap, wants important. If you’re trying to sell your house but are having trouble getting it sold. Remember buyers want a deal; you need to price your house aggressively. The market is changing and yes houses are not worth as much as they once were. Yes you might find a buyer for full retail, but are you willing to wait 6 months?
If your current payments are around $1,000 a month, then you just wasted $6,000 waiting around for a buyer. Maybe if you had priced your house $5,000 under market value your house would have sold in just a few days or weeks.
Think about all of this and do some research on how you can implement some of these strategies.

What is the Big Sky REIA?

The Big Sky REIA  (Real Estate Investors Association) is a non-profit organization dedicated to providing real estate investors form the Billings MT area a place to collaborate, network, and learn more about the real estate investing business.

The Big Sky REIA has monthly meetings with guest speakers.  The guest speakers range from other real estate investor/coaches to local experts.   Every month a new speaker comes and talks about something new.  The topics include, wholesaling real estate, protecting your assets, the Billings Market, Insurance, and anything that will help an investor.

The Big Sky REIA meets once a month on the last Thursday of the month.  They Meet at 6:30  a The Learning Center on 119 Maggie Lane in Billings MT.

Big Sky REIA Mission (Straight From the BIG Sky REIA Site)

The mission of the Big Sky REIA is to be the best, most comprehensive resource for education, motivation and networking opportunities for real estate investors in Billings and the surrounding areas.

We aim to help our members make money in real estate the safest and easiest ways possible. There’s so much knowledge and expertise available, why reinvent the wheel? We bring experts who will hopefully help all of us prevent avoidable and costly mistakes. Our speakers also highlight areas in our practice where we can use better or different strategies more effectively. Ultimately, we hope by attending BRIC, you become a more competent, educated, and confident investor.

Check Out the Big Sky REIA’s Web Site

What is the Cost of the Big Sky REIA?

The Big Sky REIA costs $100 a year for a membership or $20 per meeting for a guest.  With that membership you also get great discounts to several local retailers and membership the national real estate investors club.  There is also access to educational classes and material.

What do I like about the Big Sky REIA?

The best thing about the Big Sky REIA is that everyone at the meetings has a common goal.  They want to learn more about real estate investing and how to become financially free.  Its just a great group of individuals.

Most of the investors who attend the meetings will share tips and tricks and help out new investors.

If you are a new Investor in the Billings Montana area I highly recommend checking out the Big Sky REIA.

Also Check out my Free Real Estate Investing Course Click Here

Maybe you have seen the Billboards around town, the signs, classified ads and flyers.  Every town including Billings Mt has people who are looking to buy houses for rentals and fixer uppers.  Most of these individuals are honest hard working people just like you trying to help others sell their home quickly.

How can an “I buy Houses” Guy Help you out?

There are several reason why using an I buy houses guy would be a better choice then selling your house on your own or through a realtor.    When selling a house on the retail market there are certain things that you have to deal with.  For one you have to get your house fixed up so that someone getting an FHA loan could easily qualify for your house. Financing for retail houses falls apart all the time, buyers string you a long for 6 months.   The average house is taking 3 to 6 months to sell.

Some people just don’t have those 3-6 months to wait.  So what are your options?  One is to sell your house at a discount to an investor.  I know most people think the investor is just trying to steal the house but is far from true most of the time. There are crocked investors out there just like there are crooked cops, lawyers, accountants and Realtor.

Here is how a Good investor goes about making an offer to you.

What I do personally is start at the market value for your property, what you would sell to a retail buyer if the property was in 100% condition.

Then I subtract repairs that are needed, holding costs, closing costs, and a small margin of profit for me.  It’s a pretty simple process and if you think about it, excluding the investor profit, you’re pretty much paying the same as selling yourself or maybe less depending on how long it would actually take you to sell.

Also think of the profit the investor is going to make as the cost of fast money.  If you want someone that can close quickly and just get you out of the house. Then its going to cost some money and that is the profit the investor makes.  And you have to realize that no one is going to pay retail for a house that needs some work.

Now lets talk about why you would need to sell quickly.  Well the first and most obvious is you are behind on payments and facing foreclosure.  An investor is your best bet.  Even if you owe more than your property is worth some investors can help you get out of your house.  There is what is called a short sale.

Other reasons for selling fast include, divorce, and inherited an unwanted property, moving because of a job, and house needs lots of work, unemployment and making double payments.

If You are in Billings MT, Click Here for an “I Buy House Guy”

If you are ever looking to sell your home fast make sure you look for “we buy houses” signs billboards, classified ad and flyers.   They are out there in your area waiting for your call.

Choosing the Right Realtor Can Save Your Thousands.

by Christopher Seder

Do you realize how life changing your choice to sell your home is? You are embarking on an amazing journey that could impact the rest of your life.  So why would you want to pick a random Billings Mt Realtor?  I know you’re like me and want to only work with the best realtor Billings MT has to offer.  Choosing the right realtor can make for a smooth ride. The wrong realtor can leave you with months of stressful days and restless nights.

So the question you are asking right now is how do I choose a good realtor?  The first way to find a good realtor is to ask your friends, neighbors and business associates who they would recommend. Even post a comment on facebook if you have a facebook.  Everyone loves to give their opinion.  When you ask these people for recommendation bug the heck out of them with questions. Ask them why they liked the realtor, what services he provided, and what their experience working with him/her was like.    This is a great way to start forming a list of realtors, but you’re not done quite yet.

The next step is to do a little research on the list of Billings MT Realtors that you have made up.  Take the list and Google them.  Find out who they are, who they work for, what kind of marketing they do, their internet presence, and pretty much stalk them on the internet.  It’s also important to find a realtor who has an online presence.  86% of home buyers start their search online.

Here is a great tip and but can be a challenge.  Find out which realtor’s in Billings Montana is closing the most transactions.  The reason for this is you will know which realtors are the hustlers.  The top five or ten realtors you know have figured out the game and know how to sell a house.  They are making it happen and they are the people you want to be working with.

Ok so you have your list, you have done your research and found out who looks like good realtors and so on.  Now you’re going to want to narrow your list down to about 3 realtors.  It’s up to you how you do this. I just recommend going with who you think looks like the very best.

Once you have your list narrowed down call all three of them and set up an appointment to meet them at your home.  The reason to meet them at your home is so they can take a good look at is and give you their opinion.  Also have them do a CMA (comparative market analysis) on your house.  This is just what similar houses are selling for in your area and will give you a good feel for what your house is worth.

When you interview them really take note of their personality and how you feel about them.  Also have a long list of questions to ask them.  Here are some example questions to ask.

• How do you plan to get my house sold?
• What is your Marketing Plan for My House or Houses you have sold?
• How many years have you been a licensed realtor in this state?
• Are you full Time?
• How to you market online?
• How many transactions did you do last year?
• How many Listing do you have?
• What other services do you provide? Home staging?
• Do you belong to the MLS? (very important)

There are just a few examples to ask them.  After you have interview them do not make a decision right away.  I know a lot of realtors who will want you to sign the listing papers right away but take a few days and evaluate them.  Go through the pros and cons of each.

In the end it all comes down to choosing the one you feel will do the best job.  Always go with your gut feeling.  After you have made your choice trust your decision and you will be fine.

Choosing a pour realtor in Billings Mt can turn an already stressful experience into a high speed car wreck.  But if you have done your home work you will choose the right realtor and he/she will make your life more amazing than it already is.  Start your Home Selling Journey today.

p.s if you would like my billings mt recommendations let me know CLICK HERE

How to do you get a cash offer for your house today?  Have a buyer already lined up the minute you decide to sell your Billings Montana Home? Zero Billings MT realtor commissions, no fixing your property and no sleepless nights.  In your home selling tip number five I am going to blow your mind with how you can get your Billings Montana Home Sold Today.

CASH OFFER FOR YOUR HOUSE CLICK HERE

Selling your home in Billings Mt can be a daunting task.  You need to pick the right sales associate, estimate what you think you can sell the house for, fix up the house, show the house, and cash your huge check.   One thing that a lot of home sellers over look is understanding what the market is doing.  You have to know what is selling, how long homes are staying on the market, prices, and what your competition is.

If you are working with a realtor in Billings Montana he has probably helped you set the price to list your home at. Even though this price right on with what people are paying for homes like yours.  You still have to know that the price or value is going to be determined by what a willing and able buyer will pay.  There might be a home that looks exactly like yours down the street but your home might not sell for the same price or sell as fast.  Real Estate can be crazy at times.

This is why determining your asking price can be the biggest factor in getting your home sold.  All real estate agents can give you a market analysis that provides details on recent sales of homes similar to yours, as well as the asking price of homes currently on the market.

There are more factors to deal with, so that you can fully understand the process of selling your home and what really determines what you are going to get for your home.

One factor to look at is the location of your home.  What are the tradeoffs and advantages of your home?  A house on the west end is going to sell for more than a house on the south side of Billings.  Yes that is pretty obvious.  Does your house back up to a busy street or is it in a quiet neighborhood?  This is huge and can drop the value of your home by over $10,000.   Area is huge factor in selling your home.  Also know what is going to detour potential buyers from your home.

Next thing to look at is the features of your home and features of other homes on the market.  I like to call this the sizzle factor.  What features separate your home from others on the market?  Does your home have an amazing view, new kitchen, overhead microwave and just things that people love.

Another one is condition of the house.  If you are going to try and get full market value make sure you home is in amazing condition.  Retail buyers want a house they can move right into and not have to do a darn thing.  If you don’t want to do any work a sell your home, call Big Sky Property Solutions LLC in Billings Montana.   Otherwise fix up the house and get it looking like a new place.

Lastly just understand what the market is doing.  Is it a buyer’s market, a seller’s market?  Study what is going on out there.  Do not watch the news to find this.  They will tell you that no one is buying and that you are better off to bulldoze you home.   Just ask realtors, go to open houses and really just open your eyes.

What not to do When Applying for a Home Loan in Billings Montana

Congratulations you have decided to make a great decision and possibly purchase a home in Billings Montana.  You may have even been pre-approved.  There are a few things that you should make sure and not do when you are applying.  They can help you to make the process run smoother and faster.

Make sure that you are not buying or leasing a car at the time you are applying.  Lenders take in your debt-to-income ratio and a large payment can greatly impact your ratios.  This can even prevent you from being approved for a loan.

Do not move around your assets.  When you move cash from one bank to another, these show up as new deposits and complicate the whole process.  When applying you have to document and disclose all your accounts and explain what each new deposit is.   Lender in Billings Montana and all lenders require a thorough paper trail to document the source of all funds.  Move your money and assets around later.

Do not make any major purchases for the new home.  New purchases could include furniture, appliances, a 60 inch flat screen or whatever you want for your dream home.  These purchases can make it so that you will not be qualified for a home loan.

Make sure you ask the lender what to do about existing debt.  Do not pay off any old debt without consulting them, they may tell you to go ahead and do so.   Paying off old collection debt will often signal to the credit reporting agencies that there is new activity on a negative entry and might affect your credit.  Make sure to always ask professionals what would be best for the situation.

Do not pack up the necessary documents and forms that you may need.  These forms include W-2 forms, divorce decrees, and tax returns.  If you lose them they could take weeks to get a new copy.

Make sure that you are making regular payments on your current mortgage and other debts you have.  Even if you are going to just pay it all off soon, make sure you don’t miss a payment.  If you do it can cause your credit rating to drop.   With the tight lending practices we are currently seeing, you need the best credit score you can get.

Make sure that you have told you mortgage broker about any changes in the sale price or terms of the sale.  They can sometimes affect the loan and you may be required to submit more documents.  We all know how long banks take to file and deal with documents.

These are some of the pretty common things that people do that can affect getting approved for a loan.  Most seem like pretty common sense things but everyone makes mistakes once in a while, so just prepare yourself.  If you are looking for property in Billings Montana Check  Big Sky Property Solutions LLC to see what they currently have available.

The Truth about Real Estate Investors In Billings Mt Revealed!

In my experience I have found that home owners, business owners and a lot of individuals have some crazy ideas about what Real Estate Investors in Billings Montana actually do.  Most of these myths are far from the truth.   I will note that there are some shady investors out there and everyone needs to be cautious but 90% of investors are good people and just want to help.

Real estate investing in Billings Montana is like any other business.  Investors help to improve the community by buying ugly houses, fixing them up and either renting them out or selling them to a family.

Myths about Real Estate Investors In Billings Montana

Myth: Investors are just trying to steal my home.

Truth: Investors in Billings just want to help you out of your bad situation.  Everyone has financial troubles and need help to get out of them.  Real Estate investors offer a solution.  I will only work with homeowners who are motivated to fix their problem.  I always explain all of their options and figure out how to best help them.

Myth: All investors just want to make huge profits

Truth: Yes as Investors we are out to make a profit.  But most investors would take a $1000 dollar profit to help get you back on your feet and out of your situation.

Myth: Investors are too pushy

Truth:  We only want to help motivated people who want help.  If a seller says no we don’t want your help then that’s the end of it and we move on.  There are hundreds of other homeowners who need and want our help in Billings Montana every year.

Myth: Investors leave homeowners off worse than they were before.

Truth: Most Real Estate Investors in Billings Montana will do everything in their power to make sure that there are no repercussions after the sale of your house.  We will make sure that the bank will not come after you for more money.

Myth: Your not licensed how can you buy and sell houses, Realtors are better.

Truth: Realtor are a great option for anyone wanted to sell their home at retail value and wait the 3-6 months it takes to sell.  Homes in Billings are taking 212 days right now on average to sell. If you need to sell quickly and not worry about coming up with the necessary money to make the repairs we can help.  Some homeowners cannot afford to pay $10,000 to remodel their home. And then have to pay the commissions that realtors charge.  Investors pay all closing costs.

Myth: There is no way I am taking a discount for my house

Truth: The reason we have to buy at a discount is because we are taking the risk of fixing up the house, making payments for 3-months waiting for the house to sell, closing costs, marketing the house to sell cost and all the fees that are associated with selling a house.

Myth: Investors always think houses are worth less than they really are.

Truth: Homeowners a lot of times think that because they bought the house for $100,000 five years ago today it should be worth $125,000 or more.  This is just not true.  A lot happens in five years and today our country is in the biggest recession in history.  House values even in Billings Montana Have dropped off a little bit.  Make sure you are evaluating your house on what people are paying for similar houses in your area.

Myth: Investors just want to buy my home and not help me keep it.

Truth: I first ask homeowners if they would like to keep their home or sell it.  I can help homeowners who want to keep their home by helping get a loan modification done.

Myth: An Investor can’t help me because I want to sell at retail

Truth: Most investors know how to sell a house and can give you some pointers to help your process move smoothly.  We also know who the best realtors in Billings Montana are.  I can refer you to the best out there, who will get your house sold.

Myth:  I owe what the house is worth, Investors only buy at discounts.

Truth: Yes we buy at discounts.  But if you need to get your house sold fast we can do what is called a short sale.  This is negotiating with the bank to accept a lower price for the house.

There are just a few of the common myths I hear every day from sellers and individuals.  Most real estate investors in Billings are just your average person like yourself.  Listen to them and ask them any questions you have about real estate, most will give you a very honest answer.  Big Sky Property Solutions LLC is always available for free consultations.

If you have watched the news lately it is not pretty out there in the United States when it comes to the housing crisis and decline of the real estate market.  There are more than 3 million foreclosures filed as a result of default notices.  In Billings Montana there is not quite that many but every year hundreds of people go into default.  Whether it is a result of an increasing unemployment rate or homes becoming unaffordable with rising adjustable rate mortgages, many homeowners in Billings are struggling to pay their mortgages.  Homeowners who are beginning to feel the pinch of economic struggles do have some options that can help them to avoid foreclosure.

I will stress this throughout the article.  The most important tip for anyone in Billings MT who has found they experiencing difficulty with their mortgage needs to take action early.  If you find yourself having trouble making payments you should make the effort to contact your lender or contact someone that will help you.  Never be afraid or to proud to ask for help.  Everyone goes through tough times; it’s just a way of life.  When contacting the bank or a local investor to help it is important you are prepared.

In many cases, if the homeowner takes action early enough the lender may be willing to work out a strategy with the homeowner to help them avoid foreclosure.  It is certainly in the best interest of the bank that you stay in the home and continue to make those mortgage payments.  Banks want to help but it can be difficult finding who to talk to if you have a loan through a large bank.

One option for a homeowner is a refinance in some cases.  Interest rates are at an all time low, which makes it possible for homeowners with an unaffordable interest rate to refinance to a lower one.  If you are considering this option understand that in order to refinance you much have good credit and must have 20% equity in your home.  If you are going into foreclosure a lot of times lenders will not allow a refinance.

Another option to assist you in avoiding foreclosure is a loan modification.  Loan modifications allow permanent changes to be made to the terms of a mortgage loan.  I have seen some incredible results with loan modifications.  If you would like to learn more about loan modifications go to the loan mod section of this blog.

The final option is to sell the house.   You could be just tired and want out of the situation totally.  Many homeowners become so frustrated with dealing with the bank.  Banks have stacks of cases and cannot always get to yours in a reasonable amount of time.  Billings Montana has the Best real estate solutions company that can help homeowners get out of their home quickly and at no cost.  Big Sky Property Solutions LLC is a real estate acquisition company that helps homeowners who are in distress get out and get out fast.