Purchasing a Home in Helena Montana is Easy with The Bruce Swinney and Associates

Finding the right home, for the right price, in the right area can be a struggle unless you call the right Realtors in Helena, Montana. The Bruce Swinney and Associates are two of the very best and most trusted Realtors in Helena with over 15 years of experience in helping people find the right homes for their families. When you are looking for the home of your dreams in Helena, Montana, The Bruce Swinney and Associates will know where to look.

We want to help you buy a home in Helena, Montana as quickly as possible, but without compromising what will make the home perfect for you. Taking your time is beneficial, but with proper preparation, the time can be significantly shorter. When you take into account mortgage approval, comparing and evaluating properties, making an offer and finally closing, you are looking at a three or four month process. As your Realtors, we can help you navigate this process and find the right home at the right price.

There are several ways to narrow down your search for a home. First, the home you are looking for should be about one and a half, to two and a half times their current annual income. For example, if a person makes $50,000 annually, they should look for a home that costs between $75,000 and $125,000. Likewise, mortgage payments should coincide with your gross monthly income between 26% and 28%. Finally, in the ideal situation, your total debt payments, including your car, credit cards and any student loans should not exceed 40% of your gross monthly income.

Another way to narrow the list of potential homes even further is to determine what features you “must have” and what features are optional. These features would be number of bedrooms and bathrooms, lot size, and special needs. Optional features may include the architectural, styling, bay windows, or landscaping. When you have a clear idea of what you want in a home, we will have a better understanding of what you want and can more quickly find the perfect property for you.

Knowing as much as you can is one key to getting a home you love and can afford. As your Realtor and future neighbor, we are here to answer any questions you might have and guide you through buying a home in Helena, Montana.

For the best home buying experience call The Bruce Swinney and Associates at (406) 442-3616(406) 442-3616 or email us at office@bruceswinney.com