Ric Smith's blog

The Myth of the 20% Down Payment

When people think about buying a home, they are often discouraged by the idea of saving enough money for the down payment. Indeed, surveys have shown that the greatest impediment to home ownership for prospective buyers is the down payment. However, many potential buyers have the false notion that a mortgage requires 20% of the home's purchase price paid up front. In reality, the median down payment in 2017 was only 10%, and many buyers paid even less than that!

Mission Valley Live Season Kick-Off

Did you know that the newest season of Mission Valley Live starts tomorrow, September 7? For their opening concert, MVL will be presenting renowned violin virtuoso Wai Mitzutani, plus a few friends! If you're interested in hearing some amazing music, then head over to New Life Church in Polson tomorrow night!

Attend the St. Luke Community Healthcare Fundraising Gala

Giving back to the community is always worth it, but you might as well have a spectacular evening while you do it! On Friday, September 14, you can do just that by attending the 18th annual St. Luke Community Healthcare Foundation Fundraising Gala at the Ronan Community Center! By supporting the Foundation, you help benefit its many charitable projects which aim to meet the needs of patients, employees, and members of the community.