Deer and Elk and Bears Oh My - Tips for Living with Montana's Abundant Wildlife

Montana Black BearDeer and Elk and Bears Oh My - Tips for Living with Montana's Abundant Wildlife

I've lived in Montana most of my life but it wasn't until we moved to our property that borders thousands of acres of Lolo National Forest that I learned about the joy and frustrations of living with wildlife.

We love our connection with nature from living in Montana and that we are able to wake up and find deer in our yard, have wild turkeys pass through on their way to the creek, and see Elk and Moose on the hillside or along the creek. It's an amazing experience and you never know what you may see.

Living so close to wildlife can also be frustraing at times when your freshly planted garden is dinner for a deer, or your garbage is spread across the road by a hungry bear, or you end up with a skunk living in your back yard. We've experienced all of these things but have learned ways to prevent most of these situations.

  • Garbage - If possible, store your garbage inside the garage or a shed to prevent bears from getting into it. Fortunately the garbage disposal company in our area requires us to use their garbage cans which are large and have a lid. They prevent some wildlife encounters but will not deter a hungry bear.

 Our Plum Trees

  • Fruit Trees - Fruit Trees encourage wildlife to come into your yard and are prohibited by the covenants of many neighborhoods that border wildnerness. Our property came with beautiful mature plum and apple trees so that is a issue for us every year. We end up with broken branches on our plum trees from the bears trying to get the fruit. 

 

  • Bird Feeders - It's great to see all the varieties of birds we have but it's best to remove bird feeders in the early spring and in the fall since they will attract bears. 

 

  • Skunk FamilyPet Food - Dog and cat food outdoors attracts lots of animals - bears, coyotes, and skunks. Skunks will even try to gain access to sheds or outbuildings if they smell cat food so it's best to feed your pets inside if possible. Our dog was sprayed in the face by a skunk the first summer we were in our house and it took a long time to get the skunk to leave, so it's best not to attract these unwanted visitors.

 

  • Garden - We enjoy having a garden and have put up a 6 foot fence to keep the deer out. This seems to be fairly effective if you use wire that is small enough to also keep out rabbits and other small animals.

 Sunflowers

  • Flowers and Plants - If you enjoy having flower beds or other landscaping around your home, it is best to select plant varieties that are somewhat "deer proof". You can find these plants by talking to the experts at your local nursery or this list of Landscaping Plants Rated by Deer Resistance.

 

  • Pet Safety - Protect your pets from wildlife by having an enclosed yard. Dogs can chase deer and other animals and may also be in danger if they enounter wolves, coyotes, bear, or moose. Cats can also be targets for owls, bald eagles, and other animals. We have been fortunate not to have any episodes with our pets and wildlife (other than the skunk spraying).

If you have additional questions about living with wildlife, or specific animals, contact your local Extension Office, they have lots of great free resources.

 

5 commentsMonica Ray • October 17 2009 03:45PM

The Montana Lifestyle You've Been Dreaming About Is At RiverRidge

The Clark Fork River at RiverRidgeThe Montana Lifestyle You've Been Dreaming About Is At RiverRidge

Nestled above the Clark Fork River you will find a peaceful sanctuary, unique in its charm and beauty, RiverRidge. RiverRidge is more than a place to live, it's a lifestyle. Gorgeous, panoramic views of the Clark Fork River and the Superior Valley await you.

Relax, unwind and watch the eagles soar and the Rainbow Trout rise for the evening hatch. Truly a Superior lifestyle!

Close to schools, horse-back riding, fishing, skiing, hiking, USFS, community hospital & only 45 min. to Missoula!

RiverRidge residents enjoy many amenities, including:

  • Private Trout Ponds and Water Features - developed by renowned ecologist and trout pond developer, Joseph Urbani
  • Relaxing Nature Trail that curves through 2+ Acres of Common Area
  • Optional Condo Association for low-maintenance living
  • Homeowner's Association and Protective Covenants
  • City Water & Sewer
  • Abundant birds and wildlife (One resident reported seeing 72 different bird varieties!)
  • Lots starting at $39,900
  • Possible Owner Financing on Available Lots

Homes For Sale in RiverRidge

Beautiful Well-Maintained One-Level Living for Only $239,900
109 Osprey Drive, Superior MT 59872

Home For Sale on Osprey Drive, Superior, Montana 59872

This 3 Bedroom, 2 Bathroom home with 1560 sq. ft. 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. And, there's plenty of room for your RV with a full cement RV pad with all the hookups!

NEW Ranch-Style Home with Open Floor Plan and a Beautiful Master Suite for Only $234,900
41 Osprey Loop, Superior MT 59872

Superior Montana Home For SaleThis 3 Bedroom, 2 Bathroom home with 1,432 sq. ft. was just completed and is Move-In Ready.

You'll love this home's Great Room with cathedral ceiling, low maintenance Wood Laminate Flooring, custom finishes throughout, a Luxurious Master Suite with Tiled Walk-In Shower, 2 car attached garage, 16 x 10 ft. deck for entertaining, welcoming front porch, & stainless steel appliances.  

 

Lots for Sale in RiverRidge - Build Your Own Dream Home!

Lot 20 - Priced at $71,000 - Borders Trout Pond, 11,651 sq. ft.

Lot 4A - Priced at $125,000 - Low-Bank Clark Fork River front Lot, 14,898 sq. ft.

Lot 30 - Priced at $69,000 - Zoned Multi-Family, 17,456 sq. ft.

Lot 36 - Priced at $39,900 - 9,050 sq. ft.

Lot 24 - Priced at $54,000 - 10,790 sq. ft.

Lot 42 - Priced at $68,000 - Zoned Multi-Family, 16,059 sq. ft.

Lot 26 - Priced at $71,000 - 8,500 sq. ft.

Lot 22 - Priced at $71,000 - Borders Trout Pond, 10,942 sq. ft.

Lot 33 - Priced at $52,900 - 9,772 sq. ft.

Phase II RiverRidge - Buy the next phase at the great price of $595,000. This phase has preliminary plat approval for 15 lots, including two large Clark Fork River Front Lots, 13,245 sq ft to 29,482 sq ft plus common area.

Superior Montana is a small but welcoming community located 60 miles west of Missoula Montana 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.

5 commentsMonica Ray • October 17 2009 12:16AM

Montana Hunting Cabin - Off-the-Grid Property on 9+ Acres - 16 Upper Woodchuck, Florence, MT 59833

Montana Hunting Cabin For Sale16 Upper Woodchuck
Florence Montana 59833

Montana Hunting Cabin on 9+ Acres -Montana  Off the Grid Property

Amazing off-the-grid cabin with possible year-round access.Perfect for those seeking sustainable living or a private hunting cabin. Ready for you to finish.

2 Bedrooms, 1 Bathroom

1,100 square feet

Priced to Sell at $94,900

Beautiful Mountain ViewsOwner may finance with large down payment!

This home features:

  • Wood Floors
  • On-Demand Water Heater
  • Detached Garage
  • Solar Power
  • Generator
  • Wood Stove
  • Propane Heater
  • 9+ Acres Bordering Plum Creek

For more information on Montana Hunting Cabins, Off-the-Grid Properties, or to schedule a personal showing, contact Kevin Ray and Monica Ray of Access Realty at 406-207-1185.

                                Montana Hunting Property - Living Room Off the Grid Cabin in Montana 

                                                       Living Off the Grid in The Bitterroot Valley

0 commentsMonica Ray • October 16 2009 11:28PM

Montana Investment Properties with Trade and Other Possibilities from Today's MAREX Meeting

Montana Mountain Properties

Montana Investment Properties with Many Possibilities from Today's MAREX Meeting

We are both members of the Montana Association of Real Estate Exchangers (MAREX) - a group of licensed and experienced real estate professionals who are familiar with real estate investing, the use of trades, and the sale of distressed properties.

The meetings gather agents from across the state of Montana, Idaho, and Eastern Washington to present properties that have available where the owners must sell immediately, or that would consider a full or partial trade for another property.

Some examples of the properties that are currently available include (Owners will consider certain property trades or partial owner financing):

  • A hanger at a Montana airport with good rental income
  • A Bitterroot Valley commercial strip mall
  • A house boat with 20 acres of river frontage
  • Several tracts of mountain land, various sizes
  • Northwestern Montana Four-Plexes, Duplexes and Single Family Rentals
  • A Log Home Bed & Breakfast
  • A Large Ranch near Butte, MT
  • A Large Bitterroot Valley Ranch
  • A off-the-grid new cabin on 24 acres
  • A large cabin on 39 acres with a small income producing gravel pit in Western Montana
  • Lots in Bozeman, MT
  • A Profitable Motel in North Eastern Montana
  • An off-the-grid cabin in the Bitterroot Valley on 9+ acres

As members of MAREX, we also have access to a large database of properties that are available for trade across the country.

For more information on any of these properties, how trade or 1031 Exchanges work, to request a custom search, or a Comparative Market Analysis on your property, contact Kevin and Monica Ray of Access Realty at 406-207-1185.

 

0 commentsMonica Ray • October 14 2009 10:50PM

Hey Montana Snowbirds... Tempe Arizona is ready for ya!

Montanans - If you're looking for a place to relax in the sun during the winter, contact our friend in Arizona, Nick Bastian at 602-803-NICK (6425).

Via Nick Bastian - Tempe, AZ Real Estate Agent (Realty Executives):

Well, it's mid October and the weather man (person) says we could hit 100 degrees here in Tempe this weekend. This is the same weather channel where I see a list of snow showers and 30 degree temperatures in places like Minnesota. It is no secret that we have some amazing weather from November to oh, about May... The population should begin to swell around here any time now. This reminds me of some of the great options for people that we affectionately call "snowbirds." You know who you are...you can't take the heat but know where to fly South for the winter.

While there are MANY options available here, I thought I'd point out a couple for our winter visitors.

How about a great "furnished condo" in Sunland Village East?

This GORGEOUS Laguna 12 model has been well maintained and is being sold furnished! Seriously, all you have to do is bring a toothbrush and a desire to have some fun in the Arizona sun. The home has a very open and functional floor plan, lots of nice tile, tons of cabinet and storage space, one car garage and a nice patio that you can actually enjoy any time of day. What a perfect opportunity for ''winter visitors'' to take advantage of the great lifestyle offered by Sunland Village East ( a 55 plus community ).  Golf, tennis, clubhouse, tons of activities, etc. Make sure and look at the video! For just $135,000 it is a lifestyle you can truly enjoy.

Heck, when it gets hot, go back "home!" That's what a LOT of people do around here...

 

 

Not sure about where you want to spend all of your winters? You can rent something furnished, as well! Check out this GORGEOUS Scottsdale condo for just $1400.00 per month (seasonal rents- Long term rental rate is just $1,100 per month.) Probably gonna be a heck of a lot cheaper than one of the fancy resorts we have. This gorgeous 2bedroom 2 bath FURNISHED condo is spotless! Beautifully decorated, completely re-modeled and in a location that can't be beat. The unit has granite counters, stainless appliances, beautifully tiled floors, beautiful furniture and decor and is absolutely immaculate! The community boasts 2 pools, a spa, a dog park, well manicured grounds and a GREAT South Scottsdale location. Stay minutes from Old Town, the airport, Tempe Marketplace, Mill Avenue, Scottsdale Fashion Square, restaurants, shops, freeways, jobs, etc! There is even a nearby bus stop and a Trolley system to take you to Old Town Scottsdale! ** Take a look, it's gorgeous!**

 

Here, you can search for homes in the Valley of the Sun. If you have any questions, feel free to give me a call!

Nick Bastian, Tempe AZ Real Estate agent.

      Buying or Selling Real Estate?

            "Just Call Nick!"

        602-803-NICK (6425)

1 commentMonica Ray • October 14 2009 03:50PM

Missoula Home Buyers: FHA loans 101 - The basics of FHA mortgages & mortgage shopping - 10/13/09

Great information on how to compare loans and what you should know about FHA loans from our friend Jeff Belonger.

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

 

 

FHA loans & their misconceptions/myths

 

fha loans & fha mortgages

 

The number one myth - FHA loans are more expensive than conventional loans!! - FALSE -

 

 

Protection of your family & home purchase will always be with a loan officer with knowledge & integrity… not telling you what you want to hear to make a sale!!

 

 

 

PS… this might be a tad long & boring, but worth it if you are buying/refinancing a home.

 

 

 

I received this e-mail from a borrower yesterday buying in WA. Here are some parts of his e-mail.

Borrower #1

"My real estate agent simply told me there would be more closing cost if I chose FHA, which I don't think true."

A major gripe of mine. When comparing a FHA loan to a conventional loan, you need to compare apples to apples. The only difference would be the upfront mortgage insurance premium (UFMIP). Some loan officers and realtors would like to call this a closing cost. It really isn't. First off, you can roll it into your loan. Hence another myth that some FHA closing costs can be rolled into the mortgage.  Still false, because this is not a lender fee. It's a fee from HUD. Yet some will debate this as a closing cost. It's like the VA funding fee or the USDA's guarantee fee.

 

Same person goes on to say...

"XXXXXXX mortgage is the preferred lender to the property and now offering 4.25% for 30 years. Since my house won't be ready til next spring, XXXXXXXX mortgage can't lock the rate that far.  I was told they were not sure how much the rate would be then.  This part is very scary to me as a first time home buyer without any previous experiences....!!!"

Rut row.... first off, you can't get a 30 yr fixed rate that low. And even if you could, it would cost you like 8 points. So, this loan officer plays the trump card per say. Knowing that settlement won't be until next spring.  This lender is giving an awesome rate that can't be locked in...  hhhhmmm

 

 

Borrower # 2 -

I have a borrower that was referred to me by a realtor. She gives out 3 names to her clients. (there is a reason for this that I don't totally agree with)  I shouldn't have a problem with this, but I do.  In most cases, most loan officers can be very competitive, especially when they know you are shopping.  This realtor prides herself on giving good referral sources that close on time and give good rates with fees. Okay for now, but I have a point to this.

This borrower wants a 30 yr fixed and a 5/1 arm. I give him several good faith estimates and find out that mine are in the top two. I then get an e-mail from the borrower who wants me to be lean on mine, because he was able to get the other lender to cut a few fees.  Huh? First off, I had a $100 fee and this other person had close to $1,000 in fees. Secondly,  I will never be the cheapest, but I will be better than average. In many cases, I will give more knowledgeable information than the other loan officers involved. Okay, sounds like I am full of myself.  But after years of asking the borrowers questions and getting feedback, so many things aren't mentioned.

 

Example - I ask this person their goals, how long they think they will be in the house, baring any work related changes. He tells me that I bring up some excellent points to think about. Because I bring up current rates, the future of rates in 3 to 5 years, home values, the cost of refinancing, etc,etc.  Gee, from his answer, it doesn't sound like the other loan officers bring this up.

FHA myth - the monthly mortgage insurance will never fall off.  It does just like on conventional loans.

FHA fact - No matter how much you put down, you will have the mortgage insurance for 5 years no matter what. He said, well, I hope to have more equity in 3 years.  Good for you, but if you refinance into another FHA mortgage, you will then have the MI for 5 more years. Okay, so I will go conventional.  Good for you, again. But there are many new rules regarding private mortgage insurance.  In many cases, the PMI companies want to now see a 2 year history of payments. If late, this could influence their decisions. Again, just so many unknowns to risk.

 

Onto round 2....  In the beginning, I just give him a 5/1 arm and not details of how an adjustable works, because I want to see if my competition does. After about 4 days of him shopping, I have him call me Sunday night around 7 pm. I ask him if he was told how adjustables work and if he was told the margin on this adjustable.  What is a margin Jeff.. hhhmmm.. Just a fact that could have an impact on his decision and his future.

 

Onto round 3....  The good faith estimate.  I always tell the client how long that rate is good for when giving a GFE, showing their rate and fees.  Many loan officers don't point out that it's good for 30 - 90 days. And if they do barely mention this or they don't bring it up again a few days later, when they give you an updated good faith estimate. I know this because I question and quiz these borrowers.  Overall, until you are ready to proceed with the mortgage application and lock-in, some of these good faith estimates don't mean squat.

 

Overall, there are more loan officers than one would think that don't properly educate the borrower. As a borrower, you don't need a Harvard education, hence why you want to speak to a good loan officer an excellent loan officer. I found many holes in my questioning of this borrower, telling me that he wasn't properly educated with buying a home and shopping for a mortgage. My 30 yr fixed rate with fees were better than the other two.  Yet one offered a very good price for the 5/1 arm. I later refused to give him an updated quote, because after speaking to him and getting to know his goals, it wasn't in his best interest. He was suckered into the lower payment. Don't get me wrong, adjustables have their place, especially with today's rates.  But again, the best rate on paper is not always the best in the long run, no matter if it can be offered or not. Knowledge is power!!!

 

 

 

Just don’t be that shopper that shops themselves out of that good mortgage.

 

 

 

 

For some more good reading :

 

The Basics of FHA Loans - Mortgage 101 for FHA Mortgages - 08/24/09

Credit scores - FICO scores for mortgages - I need a 700 credit score?

 

 

 

 

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 14 2009 03:32PM

Montana Landlords - Are You in Compliance with the New Law Which Requires Carbon Monoxide Detectors?

carbon monoxide detectorMontana Landlords - Are You in Compliance with the New Law Which Requires Carbon Monoxide Detectors?

The 2009 Montana Legislature passed SB 161 which requires carbon monoxide detectors in dwelling units rented by a landlord and a notice from a seller concerning the presence of a carbon monoxide detector upon the sale of a residence. SB 161 became law on October 1, 2009.

SB 161 MCA § 70-24-303 of the Montana Residential Landlord Tenant Act. Effective October 1, 2009, in addition to a smoke detector a landlord is also required to install in each dwelling unit under the landlord's control an approved carbon monoxide detector bearing a label or other identification issued by an approved testing agency.

When signing a new rental agreement, the landlord shall verify that the carbon monoxide detector is in good working order. During the tenant's rental period, the tenant is responsible to maintain the carbon monoxide detector in good working order.

As is the case with smoke detectors, and presuming that the landlord complies with the law to install a carbon monoxide detector and test it upon commencement of the rental agreement, a landlord is not liable for damages caused as a result of the failure of the carbon monoxide detector.

And in real estate transactions, a seller must provide written notice to the buyer that the dwelling to be purchased is equipped or is not equipped with a carbon monoxide detector. SB 161 modifies MCA § 70-20-113 so that carbon monoxide detectors are now included in the notice that formerly pertained only to smoke detectors.

Source: Montana Association of Realtors(R)

3 commentsMonica Ray • October 06 2009 11:33AM

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

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

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