3 Questions You Should Ask Before Buying a Home

If you are debating purchasing a home right now, you are probably getting a lot of advice. Though your friends and family have your best interests at heart, they may not be fully aware of your needs and what is currently happening in the real estate market.… Continue Reading →

You don’t need perfect credit to buy a house

There are many misconceptions about the credit score needed to buy a house. Recently, it was reported that 24% of renters believe they need a 780-800 credit score to be considered for a mortgage. The reality is they are misinformed! Only 25% of the Americans have a… Continue Reading →

Your tax refund could be the key to your first home

According to data released by the Internal Revenue Service (IRS), Americans can expect an estimated average refund of $3,143 this year when filing their taxes. This is down slightly from the average refund of $3,436 last year. Tax refunds are often thought of as ‘extra money’ that can… Continue Reading →

Is your house priced to sell immediately?

It’s officially spring and that means more houses are coming to market every day. Pent up demand from winter means eager buyers are starting to search for their next home now. If you’re thinking of selling, setting the right price for your house is one of the… Continue Reading →

7 Things To Avoid After Applying for a Mortgage

If you are in the process of searching for a home, one of the first things you should do is get pre-qualified by a lender. This not only gives you peace of mind about obtaining financing, it also lets sellers know that you are serious about buying… Continue Reading →

Interest Rates Hit New 12-Month Low!

According to Freddie Mac’s Primary Mortgage Market Survey, interest rates for a 30-year fixed rate mortgage are currently at their lowest for 2019. Rates like these haven’t been seen since February 2018! Last week’s survey results reported an interest rate of 4.35%. This is a welcome change from the… Continue Reading →

Top 10 Reasons to Build a New Home in 2019

New home construction has several benefits in today’s market and there is something for everyone no matter what is important to you in a new home. Lets jump right into those benefits and reasons to build a new home. Safety and Health: With today’s building codes anything… Continue Reading →

Local Spotlight: Boys and Girls Club

The Boys and Girls Club started out in 1971 in the basement of the Western Heritage Center. Today, 37 years later, the program has 5 locations in Yellowstone County, including the central Bair Family Clubhouse at 505 Orchard Lane. Serving thousands of kids a year, the BGC… Continue Reading →

Explorer’s Academy

By: Kelly Smith Every week this month, we are spotlighting a local non-profit who makes a significant impact in the greater Billings community. Each of these organizations survives off the connection with its community partners, business supporters, individual donors and volunteers, in addition to grants and subsidies.… Continue Reading →

Help for Homeless Teens

By: Kelly Smith We’ve all heard of Help for Homeless Pets, but sadly pets aren’t the only homeless hearts that need help in our community. Did you know that nationally about 1 in 30 teens ages 13-17 are without a permanent place to call home? That’s about… Continue Reading →


By: Kelly Smith Two weeks ago, I had the chance to visit a few local organizations that serve at-risk, homeless, and/or low-income kids and families in our community. What blew my mind was the dedication and commitment the people who work and volunteer for these non-profits have… Continue Reading →

Winter got you down already?

Warm up with the Cozy Credit It’s the time of year we all dread. It’s cold. It’s dark. It’s windy. It takes 15 minutes to get bundled up to head out the door in the morning. And it’s already dark when you get home from work! Wouldn’t you… Continue Reading →

Buying a home doesn’t have to be SSSSS-C-AAAA-R-Y!

If you’ve been living in someone else’s home your whole life, is the thought of buying your own a little freaky? I mean, renting is just easy isn’t it? You hand over your check and your landlord takes care of the rest. Right? Or does s(he)?  Are… Continue Reading →

What do you get when you combine Beer, Brats, and Backyards?

Touring open houses can be awkward. Here’s how it goes: Google map the address, get in your car, get there, get out of your car, hope someone else is there looking too, cautiously open the front door, hope someone else is there looking too, walk through a… Continue Reading →

Top Ten Reasons to Own a Home

We’re excited to celebrate homeownership throughout the month of October! We’re kicking off with a free First Time Homebuyer Workshop on October 4th to help renters understand more of what it takes to become a homeowner. Though we understand there are plenty of circumstances where renting makes… Continue Reading →

Building Locally to Fight Poverty Globally

Another Home for Hope For Sale in Annafeld By: Kelly Smith, Marketing Director When we see poverty on television and hear about the daily struggles of families in third-world countries on the news, we often feel powerless to have any impact on lives so remote from our… Continue Reading →

Want to retire early? Your mortgage can help.

By: Kelly Smith, Marketing Director I met with my financial advisor this week to take a hard look at where I currently stand in setting myself up for retirement. I’m 42 and would like to retire by age 65. That’s 23 years to get this dialed in.… Continue Reading →

1st Neighbors of Annafeld Celebrate

By: Kelly Smith, Marketing Director On Thursday night, the dark clouds to the West threatened to disrupt the 1st Block Party in Annafeld. We switched gears to bring the party indoors (just in case) and set up in the garage of the model home instead. Our Contracts… Continue Reading →

What are the hidden costs of buying a home?

Hint: It’s not just your mortgage. Rising home prices and interest rates have many concerned that the average family will no longer be able to afford the most precious piece of the American Dream – their own home. However, it is not just the initial price of… Continue Reading →

Get there in 18 minutes or less!

By: Shane Lovering I recently traveled to the Bay area in California and had the “pleasure” of driving through the various cities in that region. Experiences like that often remind me of how richly blessed we are here in Billings, and all of Montana for that matter,… Continue Reading →

Rising Home Prices Help Build Wealth

Over the next five years, home prices are expected to appreciate, on average, by 3.6% per year and to grow by 18.2% cumulatively, according to Pulsenomics’ most recent Home Price Expectation Survey. So, what does this mean for homeowners and their equity position? As an example, let’s… Continue Reading →

Beat the spring sales rush—why listing your home in March is a good idea

It is common knowledge that a great number of homes sell during the spring-buying season. For that reason, many homeowners hold off on putting their homes on the market until then. The question is whether or not that will be a good strategy this year. Do a… Continue Reading →

Be Bold! Go Tankless!

By Shane Lovering, New Home Specialist Last year my family and I built our second home in Josephine Crossing, and for first time in our lives we owned a tankless water heater.  I was really excited. Why?  Because I really like saving money, especially when it requires me… Continue Reading →

Voted 2017 Best of Billings – Home Builder Award

We are honored to have been voted Best of Billings—Best Home Builder 2017 by BillingsLifestyle Magazine. Thanks to Jeff Lethert, the publisher, who put together a local awards party for all the community-minded winners last Thursday night. Carolee McCall-Smith and her husband, Chris Smith, were able to… Continue Reading →

7 Kitchen Updates That Won’t Break the Bank

It’s January. It’s cold. Really cold. It seems this time of year that the cold will never cease and we will be forever bound indoors, confined within four walls. We don hats, mittens, and boots before bolting from home to the car to the office to the… Continue Reading →

We’re Hiring an Admin Assistant and Self-Storage Manager

Administrative Assistant & General Manager of Self-Storage facility THIS POSITION HAS BEEN FILLED. Job Description and Accountability GENERAL FUNCTION: Under the general direction of the Controller, assists with the administrative and communication functions of the office, finance department, and sales division. Under the general direction of the… Continue Reading →

Top 4 Reasons People Buy a New Home

We often talk about the financial reasons why buying a home makes sense. But, more often than not, the emotional reasons are the more powerful or compelling reasons. No matter what shape or size your living space is, the concept and feeling of home can mean different… Continue Reading →

We’re hiring a designer for our team!

New Home Designer THIS POSITION HAS BEEN FILLED. GENERAL FUNCTION: This person will serve as the Lead Designer for our in-house design function. This position requires helping clients select the new home features that reflect their style, fit in their budget, and also work within the guidelines… Continue Reading →

One is a lonely number

By Shane Lovering, New Home Specialist It comes down to this—498. After more than a decade, the final single-family lot in Josephine Crossing can be reserved and built on. When completed next year, McCall Homes will have constructed in this quaint neighborhood along the Yellowstone River, 369… Continue Reading →

5 things that might surprise you about Josephine Crossing

By: Taylor Foote, New Home Specialist The first time I drove through Josephine Crossing I remember thinking about how much I wanted to live in the neighborhood. The houses were everything a girl can dream of, and it was the most kid-friendly community I had ever seen.… Continue Reading →

The REAL Cost of Waiting

By: Kelly Smith, Marketing Director No one predicted interest rates would fall below 4% this year. Rates were expected to rise all year, reaching or surpassing 5% by the end of 2017. In the last month, however, rates have held just under 4% for 30-year fixed conventional… Continue Reading →

6 Really Good Reasons To Buy a New Townhome in Josephine Crossing Today

By: Shane Lovering, New Home Specialist, CSP Having lived in a townhome here in Josephine Crossing for some time now, I have seen first-hand some of their terrific benefits. Here are six points that might give you reason to take steps to consider a Josephine Crossing townhome… Continue Reading →

5 Questions to Ask Before You Remodel

By: Kelly Smith, Marketing Director You may wonder why we are writing a feature about remodeling when we are a new home builder. The fact is, most of us have to consider at one time or another to fix up the home we live in (either for… Continue Reading →

First Home in Annafeld to be Home for Hope

By: Kelly Smith, Marketing Director We’re launching our newest neighborhood, Annafeld, with another Home for Hope to be completed this winter. The groundbreaking and trade partner kickoff event for this project that took place yesterday was a huge success with over 100 men and women who build our homes… Continue Reading →

Is your home summer ready?

With warm weather more prevalent as the days pass, now is a good time to schedule a few hours to take care of those small little things that, when done regularly, will keep your home looking and functioning as it should, year after year.  Here’s a short list… Continue Reading →

The Home Stretch: 5 benefits of building last in an established neighborhood…

By: Shane Lovering Having personally lived in this wonderful neighborhood called Josephine Crossing for over nine years, it is amazing to think that we are not far from building our very last home here!  Completion of the neighborhood is coming into focus.  Currently, we have 10 town… Continue Reading →

3 reasons to consider downsizing in today’s market

Are you still living in the house where you raised your kids? Does it feel a bit empty now that they’re grown and on their own? Has the thought crossed your mind that maybe a smaller house would be more suitable for you now? Many couples in your… Continue Reading →

Top 5 Reasons to Buy your First Home in 2017

By Kelly Smith If you’ve been renting or living at home because its: convenient, cheap, or mom makes a pretty great meatloaf dinner, we want you to know that 2017 is the perfect time to leave someone else’s nest and make (or buy) your own. Reason # 1 – Rent prices… Continue Reading →

Remember to consider closing costs when buying a home

According to a recent survey conducted by ClosingCorp, over half of all homebuyers are surprised by the closing costs required to obtain their mortgage. After surveying 1,000 first-time and repeat homebuyers, the results revealed that 17% of homebuyers were surprised that closing costs were required at all, while another 35%… Continue Reading →

The Early Bird gets the Best Price

We are excited to welcome all the new neighbors who have purchased homes in Josephine Crossing since January 1! Seventeen new homeowners in all! If you’ve been considering moving to Josephine Crossing, the time is now for the best selection and the best pricing. RESERVE A HOME BEFORE MARCH 15 when home… Continue Reading →

Are you and your home MFEO?

This Valentine’s Day, Fall in Love Again Just because we’re homebuilders doesn’t mean we don’t know anything about relationships. In fact, after building homes for close to 400 homeowners, we’ve learned a thing or two about the relationships people have with their homes. Most people that come… Continue Reading →

5 Myths About Real Estate Reality TV Explained

Posted by Kelly Smith, January 21st, 2017 Have you ever been flipping through the channels, only to find yourself glued to the couch in an HGTV binge session? We’ve all been there… watching entire seasons of “Love it or List it,” “Fixer Upper,” “House Hunters,” “Property Brothers,”… Continue Reading →

Rising interest rates– what’s the forecast for homebuyers in 2017?

By: Kelly Smith, Marketing Director If you’re a renter thinking of buying your first home or are just considering a move in 2017, you may have some serious concerns about the cost of a loan right now. Long-term fixed mortgage interest rates recently crept into the 4%… Continue Reading →

12 Days of Christmas

Enjoy the Twelve Days of Christmas everyone! See the many included features in every McCall home in this festive video. Continue Reading →

5 things I love about my Preston Park townhome

By: Shane Lovering, New Home Specialist and Josephine Crossing neighbor   My family and I have lived in Josephine Crossing for over eight years.  In September, we moved into our second home here in the neighborhood- a 3 story townhome in Preston Park.  Moving from our 2,800+… Continue Reading →

What’s up with the yards in Josephine Crossing?

By: Kelly Smith, Marketing Director If you’ve been in Josephine Crossing, you might have noticed that the yards are different than others you’re used to seeing. You may have found yourself silently asking, “What’s up with the yards?” At first glance, you might think our yards are much… Continue Reading →

Tips for getting your home ready for winter

by: Shane Lovering, New Homes Specialist Fall is here and winter is approaching, and with the forecast showing some mild weather days ahead now might be a good time to get outside and button up the yard for its winter slumber, as well as prepare the interior… Continue Reading →

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