Request a Relocation Packet

No matter how far you go, whether to Polson, Montana, or beyond, moving and relocation can be overwhelming. CENTURY 21 Big Sky Certified Relocation Specialists can help. They understand the relocation process inside and out and are equipped with the tools and resources needed to help you have the best move possible. Whether it is an individual, corporate or military relocation, CENTURY 21 Big Sky can help make selling your home as easy as possible.

Relocation in or out of Western Montana     Relocating involves many steps, including marketing your current property, securing financing, bidding on a new home, meeting contractual deadlines and much more. Let a CENTURY 21 Big Sky Relocation Professional handle all the details, from putting your house up for sale to helping you get adjusted to your new community and meeting your neighbors. They have the tools and information needed to help make your move to or from Western Montana as stress-free as possible.

Corporate Relocation    The Century 21® System is one of the largest residential real estate organizations in the world. With more than 6,300 offices, we can relocate your employees across town or around the globe. Our detail-oriented Relocation Specialists specialize in taking care of your number one asset – your employees. They can help ensure a smooth transition for a single employee, a whole department or an entire corporation. Consider us part of your team.

Request A Relocation Packet

Let us know a few details about your moving plans and we can do the rest.

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Do you have questions or would you like for us to personally contact you either through email or by calling you?

Shopping for your new home can be exciting, but finding the right mortgage might seem intimidating. It doesn't have to be - CENTURY 21 Big Sky agents will help you understand the entire process. We'll help you find the mortgage company that's right for your unique situation with experienced mortgage consultants who will answer any questions you have. In short, we'll help you every step of the way.

Here's an overview of how the entire home buying and mortgage process works.

Determine how much you can afford

This is an important first step on your road to home ownership. Three key costs to consider are:

• Down payment — The part of the property purchase price paid in cash and not financed with a mortgage. One thing to consider is that the larger your down payment, the lower your monthly mortgage payments will be.
• Closing costs — Cash due at closing for expenses you and the seller pay to complete the transfer of ownership. Closing costs are typically based on the home price and vary according to location. They might include an origination fee, attorney's fee, initial escrow payments, and charges for obtaining title insurance and a survey.
• Monthly payments — When you are approved for a mortgage loan, you make a commitment to pay back the loan on a monthly basis. Your payment is based on both the principal — the amount of the loan — and interest — the amount you pay to borrow money, calculated as a percentage of the amount borrowed. It also includes money that may be held in escrow for taxes, homeowner's insurance and mortgage insurance.

There are a variety of loan options that can reduce or increase each of these costs. Use our mortage calculator to help you determine the amount you're comfortable spending. Then talk to one of our Century 21 Big Sky agents, who will help you find the mortgage company that's right for you.

Get pre-approved

Take a few minutes to get pre-approved and your home buying experience will be easier from start to finish. Once you're pre-approved you can start house hunting right away. In fact, most real estate agents will ask you to get pre-approval before they show you homes. You and the agent won't waste time looking at houses that are too expensive because you'll know for sure which houses are in your range. You'll place every bid with confidence because you'll have a formal pre-approval letter—and the financing—to back it up. All of which helps you stay more focused on finding the dream home you can make a reality.

Make an offer

Once you find the home you want, your CENTURY 21 Big Sky agent can provide you with a list of comparable homes (known as "comps") recently sold in the area. Comps help you determine the right price to offer. There are other factors to consider, including the condition of the home, the cost of necessary repairs, and your or the seller's time restrictions. Any offer you make could become legally binding, so consult with your agent beforehand.

The loan commitment

The loan commitment takes place once the loan and the property itself are approved. That means a home appraisal ensuring that the home meets the lender's guidelines, and a title search ensuring there are no outstanding liens on the property are needed.

Home inspection

Your offer should contain provisions for a home inspection by an accredited home inspector and an outline of actions to be taken if problems arise. The inspection should cover interior and exterior structural elements as well as heating/cooling, and electrical and plumbing systems. It's a good idea to be present during the inspection so you can ask questions about the property.

Closing

At the closing, you and the seller transfer funds and sign all applicable paperwork to finalize the transaction. Real estate agents, closing agents, attorneys, and mortgage and title representatives may also be present. The lender will help you prepare for closing. This includes providing you with an estimate of any fees due at the closing.

Once the papers are signed and the fees are paid, you'll get the keys to your new home. Congratulations!

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What is a short sale?

A short sale is a transaction in which the lender, or lenders, agree to accept less than the mortgage amount owed by the current homeowner. In some cases, the difference is forgiven by the lender, and in others the homeowner must make arrangements with the lender to settle the remainder of the debt.