Clark Fork River Views - 109 Osprey Drive, Superior, MT Real Estate - $239,900

Clark Fork River Views - 109 Osprey Drive, Superior, MT Real Estate - $239,900
RiverRidge Subdivision

Clark Fork River View Home Superior MT Real Estate

We are excited to have just listed this beautiful, almost new (has only been used as part-time residence) home in RiverRidge in Superior Montana. This home was designed and built in 2006 to be low-maintenance and extremely energy efficient.

It has a dream kitchen with lots of space, beautiful cabinetry and tons of storage! There is an open living area off the kitchen, and it's all on one level for convenient living.

The large master suite features an over-sized walk-in closet, private bathroom, and lots of natural light from the large windows. There are two additional bedrooms at the other end of the house, along with a separate bath.

You'll enjoy relaxing or entertaining on the full-length Trex deck on the back of the house and overlooks the Clark Fork River.

  • 3 bedrooms,
  • 2.5 bathrooms,
  • Square Footage: 1560 sq. ft.,
  • Lot Size: 9981 sq. ft.,
  • Central Heating & Air Conditioning

And, there's plenty of room for your RV with a full cement RV pad with all the hookups!

        Dream Kitchen - Superior MT Real EstateOpen Living Area Superior Montana Real Estate

        Spacious Master Suite - Superior MT Home For SaleTrex Deck Overlooking the Clark Fork River in Superior MT

        Clark Fork River View Home Superior MT Real EstateView from Ponds of 109 Osprey Drive, Superior Montana

This beautiful home is located in Superior's RiverRidge subdivision - experience A Superior Lifestyle!

RiverRidge residents enjoy many amenities including a relaxing nature trail - perfect for an evening stroll, and self-sustaining trout ponds that were developed by world famous ecologist Joseph Urbani.

Superior Montana is a small but welcoming community located 60 miles west of Missoula and approximately two hours from Spokane Washington. Learn more in this Superior Montana Video. Also, you can read about Living in Mineral County Montana.

For more information, or to schedule a personal showing on this beautiful home or our amazing community, contact Kevin and Monica Ray of Access Realty at 406-207-1185 or visit us online at www.YourMT.com.

 

3 commentsMonica Ray • October 04 2009 10:35PM

Speechless Sunday: All Aboard!

Caddis the Chocolate Lab

Ok, if you're a pet in the Ray house, it's safe to say that you'll get dressed up in funny outfits on a regular basis. Our daughter, Kelsey, loves to put hats, bandanas, and occasionally t-shirts, costumes, and even a tutu on our pets. She's also an amateur photographer which results in some pretty comical pet photos.

This is our chocolate lab, Caddis in her bandana and a baseball cap - looking a lot like the railroad conductor. This photo was featured on CuteasHell.com where she has a profile to showcase all of her photos.

9 commentsMonica Ray • October 04 2009 09:03PM

Help Our Furry Friends in Missoula - October is Adopt a Shelter Dog Month

Adopt a Shelter Dog MonthHelp Our Furry Friends - October is Adopt a Shelter Dog Month

The American Society for the Prevention of Cruelty to Animals (ASPCA®), American Humane and several animal rescue and welfare groups are working independently to let the public know that October Adopt a Shelter Dog Month.

There are lots of great dogs - including pure breds in our local shelters just waiting for a home.

Learn More About Adopting a Shelter Pet

You can save a loving pet and you may also help yourself. According to several studies, pet owners may actually live longer! Read more.

Missoula Pet Adoption Facilities

Animeals
1700 Rankin Street
Missoula, MT 59808
406-721-4710

Humane Society of Western Montana
5930 Hwy. 93 South
Missoula, MT 59804
406-549-3934

Missoula Animal Control
6700 Butler Creek Rd.
Missoula, MT 59808
406-541-7387

There are also several breed-specific rescue groups if you are looking for a specific type of dog.

Other pet resources:

Petfinder - helps you find your new pet companion

Missoula Pet - Online Resources for Missoula Pet Owners

Search for Montana Pets on the Net

 

5 commentsMonica Ray • October 02 2009 04:45PM

A Time Management System for Real Estate Agents & Entrepreneurs

Time ManagementA Time Management System for Real Estate Agents & Entrepreneurs

I recently finished reading The Success Principles by Jack Canfield, as well as listening to the CD version in the car. This book is filled with great tools to help you improve your chances for success.

One of the tools that I found to be most helpful was the Enterpreneurial Time Management System. The system is featured in the book but was developed by Dan Sullivan of The Strategic Coach.

The purpose of the system is to allow you to be highly productive and successful in your career, while also enjoying free and recreational time with your family and friends.

To get started, divide your days into three kinds - Focus Days, Buffer Days, and Free Days




Focus Day Focus Days - "A focus day is one in which you spend at least 80% of your time operating in your core genius or area of expertise."*

Everyone has a different core genius. It should be something that you love doing and may completely lose track of time when you're doing it.

For me, it's online marketing, blogging, and learning about technology. For Kevin, it's negotiating a contract and putting deals together.

Determine your core genius and schedule days to focus your time and energy working in that area.



Buffer Days

Buffer Days - "A Buffer Day is when you prepare and plan for a Focus or Free Day."* My buffer days are spent in the office working with our office manager on files, closing preparations, setting up checklists, and training staff.

Buffer days allow you to tackle those issues or tasks that prevent you from havina Focus Day or a Free Day.



 

Free DaysFree Days - "A Free Day extends from midnight to midnight and involves no work-related activity of any kind. It's a day completely free of business meetings, business-related phone calls, e-mails, etc."* This is the most challenging part of the system for us in real estate. We do our best to have a regular "Free Day" although exceptions are made in some instances.

There are many benefits to taking a Free Day, one of which is that you come back to work feeling refreshed, with a clearer mind, and a fresh perspective.

 

 

Implementing the system takes a bit of planning, training staff, and delegating but is well worth the efficiency and peace of mind it helps create. We're still working to perfect the system in our busy world but have already seen an increase in our productivity and creativity.

Jack Canfield also offers a Free Monthly Teleconference where he holds discussions and answers questions about applying the tools in his book. You can sign up for the next teleconference at www.AskJackCanfield.com. You can't beat the cost (Free) and the ones I have listed to have been very well done and informative.

What are Your Time Management Tools?

Focus Photo - Margolove

 

10 commentsMonica Ray • October 01 2009 10:52PM

Missoula Home Buyers - Shopping for mortgages - The Public Image of Advertising that is misleading !! - Part 1 of 2

Here is some great information from Jeff Belonger for Missoula and Western Montana Home Buyers on what to watch out for when shopping for a mortgage.

Via Jeff Belonger -- The FHA Expert.com -- FHA Loans -- FHA mortgages - USDA loans (Infinity Home Mortgage Company, Inc):

 

ADVERTISING – Those ads that seem too good to be true.

 

shark of a salesman

 

I have been in the mortgage business for 17 + years.  I have seen so much advertising when it came to mortgage companies and how many of the ads were misleading or just flat out lies.  Those companies advertising low rates that didn't happen.  This easily went on from 1992 to 2002. I always wondered why this wasn't regulated as strongly as it should have been.  I found out that some of these companies had 100's of complaints, yet they still operated for those 10 years. I think this is misleading and I call it Shark Advertising.  It's dangerously misleading, yet it worked for many companies, at the expense of the borrower.

 

 

 

If anyone has noticed, we haven't see as much advertising from mortgage companies or large banks in the last 18 months or so. I am now seeing a few mortgage companies advertise on the radio and as of lately, a few advertise on TV, especially ESPN. The ads are misleading because they appear to make you believe that it's being backed by the government.  (Miriam Bernstein made this comment below that explains this part..  - Comment # 30 -)Has anyone seen a few ads on tv that look like a news update, a spokesperson telling you about government funded programs or that the government is helping in sponsoring these programs. Yet if you read the fine print, it's a mortgage company, disguising this ad very carefully, spinning it as thought the government is putting this out to the public??

I am even seeing this more and more in such places as Facebook. Below are a few that I am seeing on Facebook now.

 

advertising endorsed by obama?

misleading advertising

 

 


 

facebook ads 

Here are some ads found on facebook and comcast.net. As you can see, these mortgage companies and or companies that are lead generators, make you think that the government is behind this.  Obama hasn't asked homeowners to refinance. The first one on the left, upper left, is from a company called Lower My Bills.  They sell leads to other mortgage companies, after they have gathered your information online. Then you have like 4 to 10 lenders call you, sometimes daily.

 

 

 

 

 

 

 

 

People on Facebook that give basic information – eye catchers to pull you in.

people on facebook

 

Here is a loan officer on Facebook that placed this on his Wall, to capture the attention of others. You just need to be aware of what you read. Sure, this can happen, but there are some unknowns not mentioned. And sometimes the loan officer will raise that unknown, so you can't obtain that great rate and get the next best thing.  Keeping in mind, it's not always about the Best Rate.  How service?  Integrity?  Educating the borrower? And so much more....  Please read : I want the same deal that my friend receivd...  &  Mortgage payment vs Interest Rate

 

 

 

 

Web Sites that are deceiving !!!!

 

USDA site

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As I explained in this blog post, deceptive web sites, here is a great example above. Doesn't this look like it could come from the USDA themselves?  But it isn't. It acts as a lead catcher, catching your info to call you and or sell you about USDA loans or any other type of mortgage loan. No Cost Obligation is mentioned on the site. - We always love to hear about free things, but are they free overall?

 

 

 

 

 

Here is a FAVORITE of mine !!!

 

free credit report.com

 

 

 

 

 

 

 

 

 

 

free credit report.com

I am sure many of you have seen this one on tv, FreeCreditReport.com. The commercial announces a free credit report. But at the very end, it says that you need to enroll in their Triple Advantage program.

A free credit report?  They have tons of commercials &  commercials cost money to display on TV. They also have like 3 to 4 different kinds of commercials and.  producing commercials cost money.

 

Well, I feel like an investigative reporter for the news. I filled out my info online, trying to see what I get. It says that it takes 3 to 5 days for me to obtain these credit reports from the 3 credit agencies. (giving my credit card #) And then there is a button that says, to obtain your 3 reports now, click here. Imagine that, it's asking for $24.95 now. See the 2nd paragraph on the left, highlighted in yellow?  It talks about the new Federal Law and I am wondering if that is what they are sending me now, because that is free. But from what I know, you have to go to annual credit report to get the free reports.

All 6 commericals - Free Credit Report.com

 

 

 

Conclusion :   Just be very careful of what you read and what says free, when it might not be free.  I always have said, someone has to pay for it from some where. Is it you?  Is it me who pays for it?

Overall....No matter what, consumers will fall for some of these ads.  It's called false hope.  Especially when desperate, you just want to believe that someone can help you.. or, that it's cheaper with them than the others.  thanks

 

 


  • Shopping for mortgages - The Lending Trees of the World (lead generators) - Part 2 of 2

 

 

Advertisements - Is the grass greener on the other side?

 

 

 

follow Jeff Belonger on Twitter               The FHA Expert     

                                                                                               FOLLOW ME ON FACEBOOK

 

 

- FHA Loans - USDA Loans - VA Loans -

- Energy Efficient Mortgages - 

- Conventional Loans - 203 k loans -

- Mortgages -

 

Experience & Knowledge at its BEST !!!

 

 

_________________________________________________________________________________________

For more information on FHA loans, please go to this link. The FHA Expert

For more information about the 2009 Tax Credit for First Time Homebuyers : 2009 Tax Credit

For important mortgage insight to watch for, please read : Consumers need to be aware of these Red Flags!

HUD

 

 

Copyright © 2009 by Jeff Belonger of Infinity Home Mortgage Company, Inc

1 commentMonica Ray • October 01 2009 09:46PM

Western Montana & Missoula First Time Homebuyers - Don't Just Check On The Rate!

This is great information for all home buyers in Missoula and Western Montana - it's about more than just the rate.

Via Eleanor Thorne, Cary Mortgage Loans (Meridian Residential):

There's more to shopping than rate

There are tons of first time homebuyers out there negotiating the best deal on their new home, and now it's time to get a mortgage.

Most of them only know how to ask one question:  What's the Rate?

We've been in the mortgage business for over 20 years - and the only thing most people know to ask is - "What's the Rate?" 

While that's a great question, it's kinda' like going into a shoe store and asking if they have any shoes in a size 9.  Just shopping the rate is not necessarily going to get you the best price.

And what is the best price anyway!?!  Most of the clients that call us speak to my husband, Steve.  The first thing he ALWAYS says is, "hey, thanks for calling!  So you were referred to us by (insert name of friend, co-worker, agent, builder)?  That's great!  Rate is not the only question to ask

So, tell me a little bit about what you're trying to do."

I share an office with him - and after listening to him say this for like the 90th time I turned and looked at him saying, "THEY WANT TO BUY A FREAKIN" HOUSE!"  He wasn't amused.... but once calmed down he explained to me why he askes that question, that way (and why it will help you when shopping for a loan).

Most clients answer the question of what they are trying to do one of these ways...

Each of these items will help the loan officer determine which mortgage program (like those different kinds of shoes) will work for you!  The PROGRAM will then help us get to a mortgage interest rate... and knowing your credit score and how much money you want to part with for closing costs will determine your rate.

How Long Will You Be Living There?So let's assume you figured out which program you are going to use to finance your home - YIPPEE!  One more step in the process!  Now you can just call loan officers and ask for their rate on that program and those terms with your credit and compare - it's not even that easy!

You want to be certain that you are working with an experienced loan officer.  The largest fianancial transaction of your life is far too important to place into the hands of someone who is not capable of doing more than just quoting you a rate.

So here are some other questions for your loan officer:

What's the next Economic Report coming out that might effect the direction of Mortgage Interest Rates?  A seasoned loan officer will have this information at their finger tips, and will know, for instance, that the FED says it will stop purchasing Mortgage Backed Securities in October of 2009, which could cause rates to go up...

When Bernanke and the Fed "change rates," what does this mean... and what impact does this have on mortgage interest rates?  The answer is not obvious.  The Fed has some impact over SHORT TERM rates, like those on your credit cards, however very little actions the Fed takes (especially recently) has created a lower movement of Mortgage Bonds.  Because of the "bad name" associated with Mortgage Bonds in the SubPrime market, fewer people are purchasing these bonds... That's why it's important to note that the Fed says it will stop purchasing Mortgage Backed Securities in October (If you have other questions about this just call us!)

Once you believe that you are working with a seasoned loan officer, there are other points to consider... If You Get What You Pay For!you talk to 3 lenders who all tell you the rates are at 5.25% and you talk to another person who says they are at 5%... well, you've got to question what that lower priced lender is doing.  For the most part, rates are rates.  The cost of money is pretty close to even across the board - so, if it sounds too good to be true, it probably is. There could be extra fees, or they could be quoting a rate that is only good for the next 12 days.

You get what you pay for!  If you are looking for the cheapest deal out there, understand that you are placing a highly important process into the hands of the lowest bidder. (If you've ever had a cheap haircolor job or a cheap haircut, cheap pair of shoes that KILLED your feet or fell apart  - you know what I mean). 

All too often, you don't know until it's too late that the cheapest isn't BEST.  Remember that missed closing dates in NC can now mean a FINE to the buyer.  Most "internet companies" do not operate in the State of North Carolina and do not know our laws - or even how we close loans. 

If someone mentions closing at the Title Company - you know you're dealing with someone who's not from here, and some delays and differences in quoted closing costs and actual closing costs will likely occur.

Understand that Interest Rates and Closing Costs go Hand in Hand.  When someone asks me for a rate - I ask them which one they want.  I'm not being sarcastic (well, okay maybe a little) but we have interest rates from 2% to 10%.  It depends on the program and the amount of money you want to pay out of your pocket. 

Many first time homebuyers want the smallest amount of closing costs (so they can buy a hot new leather sofa!) and will therefore take a slightly higher interest rate - so that the lender pays the closing costs.  A professional lender will be able to offer the bst advice and options in terms of the balance between interest rate and closing costs that correctly fits your personal goals.

So our advice is to be smart.  Ask questions... but don't just ask what the rate is! 

Call Steve and Eleanor Thorne 919-649-5058.  We've been mortgage Lenders in North Carolina with the best mortgage rates for decades!

 

2 commentsMonica Ray • September 30 2009 08:26AM

Three Beautiful Clark Fork Riverfront Lots in Superior, MT - $139,000 for All 3

Three Beautiful Clark Fork Riverfront Lots in Superior, MT - $139,000 for All 3

Clark Fork River Front Lot

This listing is for 3 adjoining city lots to be sold together. Just over a half acre of Clark Fork River frontage with breathtaking views of the river and mountains of Superior Montana. Less than half a mile to the schools and public pool and park and less than a mile from the hospital make this a great location. City water and sewer is available!

Multi -family use is approved - build riverfront condos or duplexes! Also perfect for single family home wanting a huge yard overlooking the river.

One of the best buys for riverfront in Western Montana - priced to sell at $139,000.

Take a Video Tour of Superior, Montana.

For more information, or to schedule a personal tour, contact Kevin and Monica Ray of Access Realty - Your Montana Riverfront Specialists - at 406-207-1185 or visit us online at www.YourMT.com.

 

3 commentsMonica Ray • September 28 2009 12:28PM

Speechless Sunday: Sunrise From a Montana Mountain Top

Sunrise From a Montana Mountain Top

Sunrise From a Montana Mountain Top

From a Montana Mountain Top

From a Montana Mountain Top

Fall is in the air in beautiful Western Montana, you can feel it in the crisp morning air and see it in the leaves that are starting to change colors. It is also bow hunting season, a perfect reason to climb to the top of of a mountain and watch the sun rise.

Kevin has been spending all the mornings he can on top of this mountain in the Lolo National Forest. He's seen a lot of wildlife and had a conversation with an elk using his bugle, no luck hunting yet, but with these views, he feels lucky enough.

13 commentsMonica Ray • September 27 2009 10:23AM

Missoula Architecture & History - The Northern Pacific Railroad Depot on Higgins Ave.

Missoula Architecture & History - The Northern Pacific Railroad Depot on Higgins Ave.

Missoula's Northern Pacific Depot

Missoula has some beautiful buildings in our downtown area, and many have historical signficance as well. One of my favorites is the Northern Pacific Depot building located at the north end of Higgins Avenue.

Northern Pacific Symbol Yin-Yang

The Northern Pacific Railroad Depot was built in 1901 by the nationally recognized firm of Reed and Stem of St. Paul, Minnesota. This depot is one of four that the firm designed in Montana. The building is a long, rectangular brick structure with one story wings on the east and west side of the building. It is said to represent a "simplified version of Renaissance Revival Style".*

The exterior of the building is decorated with four urns with the distinctive Norther Pacific symbol of the yin-yang.

 

Northern Pacific Depot Construction Controversy

The building of the depot was quite controversial at the time and became the topic for dispute between two prominent Missoula families, and eventually the entire community.

The Urlin family donated land to help bring Northern Pacific to Missoula. The family didn't intend for the Depot to be constructed where it is because it would block access to their ranch. However, the Higgins family felt that a depot at the end of Higgins Avenue offered an "appropriate level of grandeur.

The Urlin family protested the construction of the building along with other resident's from Missoula's north side. To emphasize their point, the initial wood frame of the building was burned to the ground by arsonists.

        Downtown Missoula Depot  Downtown Missoula Depot

Today, the Norther Pacific Depot is used for office space for local Missoula businesses. It is also the site for the Missoula Farmer's Market that is held on Saturdays during the summer.

In 1955, one of Northern Pacific's Railroad Engines was located on the site and is still there today.

        Northern Pacific Railroad Engine   Norther Pacific Depot in Missoula

For more information on Missoula, Montana, or it's architecture and history, visit www.YourMT.com - Missoula Architecture & History

*Resource: A Guide to Historic Missoula by Allan James Mathews, 1948

2 commentsMonica Ray • September 26 2009 03:14AM

Attn: Montana Builders and New Home Buyers - Are You Ready to Comply with House Bill 451 on October 1, 2009?

Attn: Montana Builders and New Home Buyers
Are You Ready to Comply with House Bill 451 on October 1, 2009?

Builder Requirements in MontanaI attended a course for Supervising Real Estate Brokers yesterday with one of the state's top real estate attorneys, Zane Sullivan. We work a lot with local builders and new home construction so I was especially interested in the information he provided on HB 451 that goes into effect on October 1, 2009.

The law was designed to require builders to provide certain disclosures on new homes, and also a written warranty.

Builders are now required to provide the following in writing:

1.) General Liability Policy: a disclosure that the general contractor has a current general liability policy;

2.) Workers Compensation: a disclosure that the general contractor has a workers' compensation policy or is an independent contractor without employees;

3.) Billing Cycle: a provision setting out the billing cycle establishing the payment schedule to be followed by the owner;MT new home construction

4.) Change Orders: a provision establishing procedures for handling change orders by the owner;

5.) Inspections: a statement of all inspections and tests that the general contractor will perform or have performed prior to, during, or upon completion of construction and a statement that the owner is entitled to receive the results of any tests conducted by the general contractor or conducted at the general contractor's request;

6.) Additional Inspections: a statement that the owner is entitled at the owner's expense to have any inspections and tests conducted that the owner considers necessary; and

7.) Written Warranty:a statement that the general contractor is providing an express warranty that is valid for a period of at least 1 year from completion of the construction project.

The builder's warranty must provide:

  • detailed descriptions of those components that are included or excluded from the warranty,
  • the length of the warranty, and
  • any specialty warranty provisions or time periods relating to certain components.
  • the requirements that must be adhered to by the buyer, including the time and method for reporting warranty claims, in order for the warranty provision to become applicable.

Most reputable builders already provide the information that is required in the legistlation but this will make it mandatory for all builders in the state.

HB 451 is available in full on the State's Website.

If you are thinking about building a new home in Western Montana, contact Kevin and Monica Ray of Access Realty for information on available lots or land/home packages that are currently being offered at 406-207-1185. We provide information and assistance and can help you through the process.

0 commentsMonica Ray • September 25 2009 11:39AM