Jacque Lorang
| Title | Realtor SRS, SFR |
| ablahoo@yahoo.com | |
| Office Phone | (406) 690 - 5277 |
| Home Phone | (406) 690 - 5277 |
| Cell Phone | (406) 690 - 5277 |
| Fax | (406) 256 - 0582 |
| Website | www.jlorang.com |
Billings Real Estate Blog.
http://ablahoo.featuredblog.com/
2025 Kober Place
$194,900
Great West Billings location, 5 big bedrooms 2 and a half bath. Huge living room upstairs and even bigger family room downstairs. Attached garage and additional parking in the rear. Huge deck. Don't miss this one!
http://www.postlets.com/res/3758193
7605 King Ave W
$199,900
Priced to sell quickly!
2052 sq ft home on 2+acres. Huge 3 car shop/garage with heated office, plus a 6 stall barn. bring your horses, cars, equipment or toys. 2002 Manufactured home on a permanent FHA foundation. 4 bed 2 bath.
http://www.postlets.com/res/3750967
1131 Yale Ave - Sold
$174,900
Super cute 4 bedroom 2 bath home in northwest Billings. Coved ceilings, arched doorways and original hardwood floors. Old charm with great updates and well maintained. Fenced yard with covered patio. Attached garage. Call for appointment.
SOLD
102 Riverside Rd
INVESTMENT OPPORTUNITY
Property Details - http://bmt.mlxchange.com/Pub/EmailView.asp?r=697198828&s=BMT&t=BMT
SOLD
331 Westgate Dr.
$165,000
4 bedroom house in Lockwood. Hurry and get the $8,000 tax credit before time runs out! http://bmt.mlxchange.com/Pub/EmailView.asp?r=678926459&s=BMT&t=BMT
Knowledge, service and experience. I specialize in helping First Time Home Buyers and Investors. I have a passion for helping veterans get into a home using the benefits they have earned. I also have a excellent history of selling my customers properties quickly and for the most money.
Sellers:
Communication, creativity, and commitment are the traits that help me sell my clients homes. I understand that selling a home can be a stressful experience and I strive to make the process as convenient and comfortable as possible. My goal is to save my clients time and money while selling their home.
VA Buyers:
I love working with and helping fellow veterans and the fact that the VA loan is such a great way to go only makes it that much better. It used to be that sellers and real estate agents cringed when they heard that someone wanted to buy their housing using a VA loan. Not only has the VA loan process been sped up and the regulations changed to be more appropriate, but with other loans getter more and more difficult, the VA loan is looking better and better.
There are several benefits to using the VA Loan to buy a home. No, or low down payment options, negotiable interest rates, and no monthly private mortgage insurance are the most obvious, but there are other benefits too. The seller can pay up to 4% of the value of the home in closing costs, combine that with the 0% down and you could actually walk away from the closing table with a check! Your VA Loan can also be used to buy up to a 4-plex and can be used over and over again. You can actually own multiple properties each using your VA Loan. VA Loans are assumable, even if the buyer is not a veteran, this helps insure that in unstable economic times you have better chance of getting out of the home. VA loans offer the right to repay without penalties, it is very credit forgiving, and has expanded debt rations. The list goes on, but it is easy to see that the VA Loan is a great program to help veterans get into homes.
Combine this great loan, with this current buyers market and low interest rates and NOW is the time for veterans to buy a home! If you have any questions or are interested in how a VA Loan can help you get into a home or would like to use the VA loan to upgrade your current home please feel free to call or email me anytime. (Jacque Lorang, Billings Real Estate Professionals (406)690-5277 ablahoo@yahoo.com)
FHA Buyers:
Like the VA loan the FHA loan is becoming more and more popular mostly due to other loans becoming more and more difficult. The FHA loan is a very useful. Low down payment (3.5%), low interest rates, as well as the ability to combine with down payment and gift funds make buying a home with an FHA loan much easier. The FHA loan is a great program that helps renters become homeowners. When I work with first time home buyers I take time to explain the process, I connect buyers with a lender who can help them in their unique situation. I feel that it is important that first time home buyers feel comfortable and confident when buying their first home.
Local assistance programs:
If you are thinking about buying your first home or becoming a homeowner again after years of renting you may be eligible for assistance that can help you get into a home with less money down or a lower interest rate. The most important factor in finding the right programs is finding the right lender and a real estate agent who is willing to spend extra time and effort making sure you understand the process and are getting the best deal. It is very important to find a lender and an agent that have knowledge and experience in dealing with first time home buyers.
In this blog I will list and explain the basics of the 5 main programs available in the Billings area:
1. Home$tart- Provide $5000 to use for down payment and closing costs.
2. City of Billings- Provide assistance of $5,000 or $10,000 depending on the borrower’s income.
• http://ci.billings.mt.us/index.asp?nid=114
3. Neighborhood Housing Services- Provide $5,000 for down payment and closing costs.
4. Montana Board of Housing- This program provides loans at a lower interest rate.
• http://housing.mt.gov/Hous_BOH_SF.asp
5. $7,500 tax credit- Provide up to $7,500 on your next year’s tax refund.
a. http://www.federalhousingtaxcredit.com/index.html
These are just a few of the programs available and just the tip of the iceberg as far as details on each program. If you are thinking about buying your first home give me a call(Jacque Lorang 690-5277) I would be more than happy to help you take the 1st steps and provide you with a packet full of useful information you can use to help on your journey.
For more details on each program mentioned above see the next post in our archives section
*always consult your accountant as to the best program for you.
Investors:
As an investor in the Billings area I understand your goals in investing. From single family homes to multi-unit complexes I can assist you in determining your return on investment and the best way to save you time and money. Whether a seasoned investor or just considering adding real estate to your investment portfolio give me a call.
Great Links:
http://www.northwestmagazines.com/northwest_billings_montana.php
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