You Can Buy A New, Custom Home

You Can BUy A New, Custom Home

IN TODAY’S HOME MARKET, MORTGAGE RATES ARE LOW, AND PRICES ARE RISING.

Interest Rates are at a historic low 

The good news is, according to Freddie Mac, interest rates are expected to stay around 3.8% for 2021. Take advantage while you can.

In the last year, home prices have increased by 11.3% 

Pricing is expected to continue to trend upward throughout 2021 and into 2022. With low-interest rates and housing prices only increasing, now is the time to buy.

Billings offers all the natural beauty Montana has to offer without sacrificing the convenience of a big city. 

With the low cost of living, higher-than-average economic growth, and endless outdoor activities, Billings is a great place for your family.

 

Don’t wait another day. Talk to us about making your dreams of owning a home a reality.

7 myths about building a new home

Myth #1 - I need a 20% down payment to buy a home.

Fact: This can be one of the biggest hurdles buyers face; saving up 20% of a home’s value just isn’t possible. Many people can get a loan with as little as 3% down.

Myth #2 - I need an excellent credit score.

Fact: Your credit doesn’t need to be perfect to become a homeowner. Lenders took at several other factors when qualifying you for a mortgage. For a conventional loan, the minimum score is 620, while some specialized loans only require a 580.

Myth #3 - Renting is cheaper than buying.

Fact: As rental rates are on the rise (up 10% over last year), the truth is, it’s never been more expensive to rent. For nearly two-thirds of Americans, own your home is more affordable.

Myth #4 - All lenders will give you the same deal.

Fact: Don’t skip this step: shop around. Each lender will offer you something different; even a marginally higher interest rate will cost you thousands of more dollars in the long run. McCall Homes works with several lending partners and can help you find the right loan.

Myth #5: My student loans are holding me back.

Fact: Student load, as well as other debts, will not automatically disqualify you from being approved for a home loan. What is more important is that you have enough income to cover all your payments. 

Myth #6: Building a house is more expensive than buying.

Fact: Building your home puts you in control of your budget and design. With our pre-made floor plans and expertise, you will not have to incur the costs of building a home from scratch!

Myth #7: The process of building a home is going to be overwhelming.

Fact: Our entire team, from New Home Specialists to Designers, are dedicated to making your experience simple and even fun! It’s as easy as 1 -2- 3.

Why Build with McCall Homes?

Quality homes are a given, but what really sets McCall Homes apart is this: we design not just a neighborhood but a community where families can grow and truly be involved with their neighbors.

Not all home buying experiences are the same, and the real estate agent or home builder you choose can make or break your experience. You need a partner you can trust from the initial meeting to when you unlock your door for the first time.

With a low inventory of pre-existing homes and the stress of bidding wars, building a new home might be the right option for you. Custom building your house with McCall Homes: 

      • Puts you in control of your budget and your design
      • Protects you from the whims of the market
      • Saves you from the worry (and expense!) related to deferred maintenance
      • Lowers your monthly utility costs – our homes are built with energy-efficient and quality materials

 

Don’t wait another day. Talk to us about making your dreams of owning a home a reality.

What Our Clients Are Saying About McCall Homes

The entire team made purchasing, designing, and moving into our beautiful, energy-efficient, new home easy and fun.  The design and craftsmanship are extremely high quality.  Even three months after we moved in, the staff is still taking care of us and checking up on how things are working.  This is a local, family business who prides themselves on quality and customer service. – Richie

Everything from the design through the building process and finally closing went extremely well. In fact, they still contact me to make sure that all is well. E & A

McCall Homes have striven to make the home building process as seamless as possible. Any questions or concerns we had, were answered in a professional and timely manner by everyone involved. The neighborhood, being one of sustainable development, is a good investment for the future and encourages community health and safety. These are just a few reasons why my wife and I choose McCall Homes to build our first home. – Ben

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