Buyers

Billings Best Episode #1 – Home Inspection Information With…

In our first installment of Billings Best, Nicole King sits down with Sam Hensler of Dynamic Analysis to discuss home inspection information. Together they go into more detail regarding home foundations, how soil contents affect house settling, common homeowner mishaps, and so much more. This video also shadows Sam on an actual home inspection with a new buyer. 

This video is long, but the knowledge you’ll gain as a homeowner or a potential buyer is invaluable. Watch below or scroll below for the full transcript.

Home Inspection Information You Should Know In Billings, MT

Here is the transcript for the first episode of Billings Best, which discusses home inspection info you don’t want to miss. The transcript covers the first half of the video before Sam goes on a home inspection to show you what to look for.

Nicole: Hey there, I’m Nicole King, broker-owner of 41 Realty Group. I’m here at Dynamic Analysis with Sam Hensler, the owner, and we’re here to chat a bit about what is going on in the greater Yellowstone Valley Area. 

Kind of the elephant in the room that everybody’s been hearing a lot about is some foundation and soil movement and things out in Copper Ridge. We are definitely not going to talk specifically about Copper Ridge today but Sam, and he’s going to give you all his credentials here in just a moment, but he is well versed in soils and foundations as a structural engineer and I just wanted him to tell us kind of what to expect from areas around the Billings Area as far as soils and structure and what people should really be looking for in homes in those areas and how they can best take care of their homes so it can last as long for them in the best condition possible. So thanks for meeting with me.

Sam: Yeah, absolutely.

Nicole: All right so tell us about you, your credentials and why we should rely on you as an expert.

Sam: Sure so MSU grad and graduated with a degree in engineering at MSU. Went on to design uranium processing plants for a company out in Bozeman for five years and worked on building designs and infrastructure and large industrial designs and then moved out to Billings where i got involved in more building and residential specific construction and the design for those. And something I had never heard of but the need for structural engineers to evaluate homes that were being bought and sold which was not something that I had seen before but apparently happens pretty often here. And then now I do about 800 of those a year. 

Nicole: 800? Every year? So visiting existing residential structures to evaluate their structural integrity. 

Sam: Yep.

Nicole: Okay, so when you get called out what are the things that you see most often?

Sam: Yeah, yeah, it depends on the area. Certain areas have specific issues whether they’re relating to the soils in that area for instance if we go south of the river then the soil changes completely and now we’re worrying about heaving soils that are pushing up on slabs and pushing all the guts of the home up and potentially lifting that the floor the roof up off the foundation, so things like that are more concerning once we go there.

If we’re going along the rims then we’ve got issues with slope stability and rock fall and collapsible materials and air pockets and all sorts of weird shifting in the debris field of a former landslide for going out in areas where you have a lot of soil that was deposited by wind like the northwest portion of billings there’s a lot of of compressible and collapsible soils that can move foundations.

If we’re looking at the older part of town then we’re looking at a lot of foundations that may not have that many usable years left depending on how they’re originally constructed and how well they’ve been taken care of for the last 100 years.

A lot of times there’s homes that have been heavily modified because they used to build homes pretty small and would just add on to them and I see a lot of homes that have had bearing walls removed or portions of the walls that are meant to hold the building up in a windstorm. A lot of times people dig out there, underneath their floor and put upgraded utilities like a large furnace or water heaters or things like that and they’ll undermine their foundation because it was only six inches deep to begin with and then a simple hose being left on could cause the foundation to collapse at that point. So it really depends on the issue and what part of town you’re in and when your house was built and how well it was taken care of and what kind of soil it’s on.

Nicole: Okay, so if you’re thinking of giving homeowners, either people who are about to be homeowners or currently homeowners, some advice on things that they need to be doing, kind of no matter what area of town they live in, what are some major things that they really need to be doing to make their house last for them?

Sam: Sure, so the number one thing that everyone’s probably heard of by now is just keeping good drainage and there’s a lot of reasons why keeping good drainage is important for areas that have hydro sensitive soils, soils that will react when water is mixed in with them. So like a swelling soil like you have south of the river or a collapsing soil that we have up in along the rims or in the northwest part of town that will collapse when they get wet.

It’s really important that we keep the soil underneath the foundation dry to prevent it from moving, but also, for instance, if you’re in Laurel where there’s high alkalinity in the water and in the soil it will react chemically with the concrete and dissolve the foundation out from underneath the house.

Nicole: That doesn’t sound like a good thing.

Sam: No, it doesn’t and it happens to a lot of homes out there. It’s a slower process but a lot of those homes are in that age where I have seen foundations completely converted back to sand and we’ve had to replace foundations just because it dissolved, just disintegrated right underneath the house because water was pulling up and carrying sulfides into the, into the concrete where it would evaporate in the dry basement air and build up and disintegrate the concrete.

We get frost heave out here any time that you get freezing conditions which we can’t really avoid unless you heat a space so if you have an unheated garage, it’s an issue. If you have a shallow foundation, that’s an issue, if you have frost susceptible soils which are fine particle soils like silts and clays which we have all over and we have moisture, which also can’t really get rid of then you’re going to get frost heave so that’ll lift up on any slabs that are unheated throughout the year. So like garages we’ll see a lot of slab heave movement which will change the drainage of the slab and potentially cause all your watershed from your car to drain towards the foundation and cause further issues in the foundation.

There is lots of spalling like freeze-thaw spalling, just in concrete that gets beat by the Sun. Concrete’s really porous, the water will actually absorb into it, which is not something a lot of people know but water can pass through the concrete fairly easily, just really slowly. So if you have in the Spring while you’re getting lots of freeze thaw, the water will move into the concrete and the foundation and then freeze at night and can pop things off and you’ll get a bunch of spalling along your foundation as the thickness of the foundation wall just kind of erodes and then you can start to expose rebar which will get wet and then that’ll rust and expand and pop your foundation more. 

So a lot of things mostly related to water damage to the foundation and the soils beneath the foundation.

Nicole: So what are some of the most common reasons that you see water go towards the foundation? Is it sloping towards, planting gardens next to the houses? Tell us what you’re seeing most often.

Sam: Drainage, for sure, and especially in new homes, it’s really common when they’re building a house they, you know, they dig down to the bottom of the foundation and they they build everything up from there and then they put the soil back in they backfill it up along the foundation wall.

And a lot of times it doesn’t get compacted very well in that spot so right along the foundation wall it can get pretty fluffy and you’ll have your landscaper set your landscaping drainage so that’s draining away from the home but within the first couple years it can, all that air that’s trapped underneath the underneath the surface there, can escape and all of a sudden that drainage starts to collapse and turn negative and now you’re draining back towards your foundation.

That’s probably the most common thing I see, especially in newer homes, is just over time that backfill slumps and now you have negative drainage and need to redo your landscaping.

Nicole: Sure. 

Sam: Gutters are another thing a lot of people just let their gutters drip right next to the foundation and then water pools up there so you need some good extenders on there.

Nicole: How long should extenders go?

Sam: I like six feet, it doesn’t matter too much as long as it’s discharging the storm water in an area that has positive drainage is taking the water away from the foundation it doesn’t really matter how long they are if it just comes pouring right back to the house. 

Nicole: Sure. I see a lot of times that they terminate inside gardens where it’s got like a concrete barrier all the water goes up against that and then it just stays in that garden so getting it on the other side of whatever edging someone might have, things like that.

Sam: Yep, ideally, so newer homes you’ll see where they have the concrete edging the little curving that’s five, between three and six feet around the home and so if you can kick it out over that that’s ideal in an area where you don’t need to remove it for lawn mowing because people tend not to put it back.

Nicole: Yes, I see that a lot.

Sam: Yeah, but a lot of places will do underground discharges okay so the downspout will actually go underground and it’ll either come out and pop up in the yard somewhere or it will go to an underground drain field depending on where the house is located. If you have hydro sensitive soils it’s generally not a good idea to inject the water underneath the surface because those sorts of soils don’t accept water very readily so if you can keep it on the surface it’s more likely to just roll away. But if as soon as you get it underground then it’s just going to percolate in and get into an area where it’s really not supposed to.

I tend to stay away with subterranean discharges if I can, if you can keep it on the surface and just let gravity do all the work it works out better, more often perfect.

Nicole: Sure. Anything that you see a lot that you wish people would just stop doing that we haven’t talked about yet?

Sam: So many things.

[Laughter]

Nicole: Top two. 

Sam: Let’s see, oh yeah think about that for a little bit. Let’s see so I work on both ends of a structural lifespan. So I design new things for people to build and I do forensic evaluations of things that are failing and it costs much more money to fix something that’s failing than it does to just build something correctly from the get-go. So I think the biggest thing is just making sure that even if you’re doing a simple retaining wall or just about any structure a lot of things are more complicated than people really understand. And even if they have a contractor who they think is really confident in certain areas, if you’re doing anything that’s outside the norm it’s a good idea to get a professional involved and have their opinion weigh in and see what really needs to be done. 

A lot of people think it’s expensive to spend a couple hundred or maybe a couple thousand up front on a design but compared to spending tens of thousands of dollars to come back and fix it later, it’s much cheaper.

Nicole: Yeah, I see the tens of thousands to fix something when I enter the picture as a real estate agent a lot, so I would love it if they would get a hold of you first.

Sam: Yeah, absolutely.

Nicole: Let’s switch to not just getting water away from the house but what are some things –  a lot of times I see ventilation not proper in attics, bathrooms that the vents discharge into the attic, what kind of structural problems can that cause?

Sam: So, I see pretty hefty mold and water damage in certain circumstances. I think the worst I’ve seen is either dryer vents or furnace vents venting into an attic or into a crawl space and completely demolishing all the framing. You can definitely get the same thing with bathroom vents because it’s a lot of moisture that you’re moving into the attic and that wood will soak up that moisture and you can get mold growth.

If you have OSB sheeting for your roofing that will soak it up right away and lose a lot of its structural integrity and start to grow mold pretty quickly. So in general keeping the moisture outside the building envelope is a good idea you don’t want to dump it anywhere inside of the area you’re trying to keep the environmental conditions out of.

Nicole: Okay, so if somebody is worried that they have some structural problems, things that they’re like, I don’t really know if this is quite right, if this is the way I should be doing it. When is the point that they should probably get a hold of you or someone like you?

Sam: Well, in general, if you’re going to build any sort of structure if you’re not working with a contractor that is reputable and understands what they’re doing and going through the  appropriate permitting process because you need to permit almost everything. There’s a handful of things you don’t need a building permit for, but in general in order to get a permit you need to have a plan it’ll be reviewed by the city. If the city doesn’t feel that the contractor’s plan is done appropriately or isn’t considering all of the possible issues that could arise then they’ll request that an engineer take a look at it and then it comes to me. Or you can start there and have an engineer take a look at it first and develop a plan or an architect anyone who knows what they’re doing basically and going through the right channels to make sure that it gets done correctly

Nicole: Okay, sounds good. Is there, how do people get a hold of you and find out about your services?

Sam: I’m online you can Google “Dynamic Analysis” or “structural engineering and Billings” and I should pop up there somewhere and then my number you can email me through the website or reach out to me. I think I’m on Facebook but I’m not, I am on facebook but i’m not on Facebook often. 

Nicole: I get to follow all your fun snow adventures and things like that on Facebook yeah that’s great, awesome. Thank you, Sam. 

Sam: Yep.

The second half of the video shows Sam leading a buyer through an actual home inspection so that you could see what to look for. To get more help from Sam Hensler and Dynamic Analysis, go to dynamic-mt.com.

Costs of Homeownership 41 Realty Group Buyers

All The Hidden Costs of Homeownership You Need To…

Due to COVID-19, mortgage rates are at an all-time low, which means a renewed interest in homeownership. Especially as young people are tired of seeing their rent costs rise every year, the idea of having equity becomes more and more alluring.

There are plenty of benefits that come with owning a home, including building a path to a greater financial future. However, first time home buyers might be shocked at the real costs of homeownership. In addition to mortgage payments, the real cost of owning property involves plenty of hidden expenses. Here we go over which costs are simply financial and which might be a surprise to you. We’ll look at the most common expenses and how to deal with them.

Your Guide To The Costs Of Home Ownership

Though your house is one of the most significant purchases you can make, other ongoing expenses come with homeownership. Things like closing costs, down payments, moving, and more, let’s discuss some of the things you’re most likely to encounter.

Homeowners’ Insurance

Homeowners’ insurance is not an unexpected expense; almost every bank and mortgage company requires that you have insurance before giving you a loan. The premiums will likely be included in your mortgage payment. A lot of times, your homeowner’s insurance premiums will be paid from your escrow account, like your property taxes. 

Remember that premiums often rise annually, particularly if you increase your coverage to reflect your property or possessions’ rising value. 

Another surprise that home buyers often don’t realize is that most homeowner’s insurance does not cover “acts of God.” You’ll need additional coverage for floods, hurricanes, earthquakes, and even water damage from storms. 

Property Taxes

All homeowners are required to pay property taxes. The township, city, or country where your home is located will determine the tax rate, not your bank. Property tax is basically a guaranteed perpetuity payment that is made at your expense. Like with any tax, you don’t have a say in how much it will be, but there are strategies to help lower it.

Your Roof

When it comes to your home, water can be its worst enemy. The primary job of your roof is to keep water out. A leaky roof can cause cosmetic damage both inside and out of your house, and it could destroy belongings inside and even damage the integrity of the structure. 

Roof damage usually happens when shingles get cracked, blown off, or damaged in some ways. Roofs will inevitably need to be restored or replaced eventually, so make sure you have an inspector look at it closely when you buy – you might be able to negotiate the price if the roof is in bad shape.

The Heating, Ventilation and Air Conditioning (HVAC) System

Your home’s HVAC system is a complex system in your home that controls heat, cooling, and the overall circulation of air throughout the residence. This system should not undergo cheap DIY fixes; you should be prepared to hire an HVAC professional from time to time.

You’ll likely need to buy new units at some point, be it at the time of purchase or later down the road, as these systems do wear out over time. Replace the furnace and AC filters to help keep them running efficiently. 

We recommend having your HVAC systems inspected at least once per year. Do some research in your area, as many companies over service or maintenance plans might reduce the cost of an annual inspection and provide other benefits, like lower costs on parts or even reduced pricing on emergency visits.

The Electrical System

Faulty wiring and other electrical issues cause a decent amount of fires in homes every year. As a homeowner or future homeowner, we suggest that you have a basic understanding of how these electrical systems work to keep your home and family safe.

If you’re facing any sort of systemic problem or in the middle of significant remodeling, make sure you call in a trusted and licensed electrician to make sure everything is installed correctly and up to current codes and safety standards.

Plumbing

Another on our list of the costs of homeownership is plumbing issues. Clogged drains and other small plumbing problems will happen from time to time, and they usually aren’t a big deal.

However, some older homes might present larger problems, specifically if they contain galvanized iron water pipes. These pipes become clogged with mineral deposits over time and will gradually reduce the water pressure in your house. The bad news – you can’t repair these; they must be replaced entirely. 

Talk to your real estate agent and your home inspector to determine what to expect before you buy.

HOA and Condo Fees

If you buy a property within a condominium associate or a homeowners’ association (HOA), you will be required to pay a monthly or quarterly fee. This fee will include the cost of things that benefit the entire neighborhood, from snow plowing to landscaping, garbage collection, and more.

HOA fees can rise steadily, or your HOA might deem it appropriate to charge extra for individual extra projects to benefit the neighborhood, like adding a new security system, renovating buildings, or even repaving the parking lot. Check with your agent or the association itself to see what these fees will be before you buy.

The Costs of Home Ownership Include Furnishings and Appliances

You might have already thought about this, but it’s likely that your new home will be larger than where you’re currently living and might require some extra furnishing. Plus, some appliances in your home might be considered fixtures and be included in the sale price of your home, like dishwashers or ovens; other appliances are not always included. This means if the seller doesn’t want to include the refrigerator or washer or dryer, you might have to buy new ones.

You should also consider how old your home is. If it’s more than ten years old, the appliances included in the sale price might be on their last leg anyway. Be sure to budget for replacing some of those high dollar items, like your water heater or cooling system.

Cost of Home Ownership Key Takeaways

Typically, when people think about the costs of homeownership, they are only thinking about the mortgage payment. They don’t always consider property taxes, insurance, maintenance fees, and repair costs. 

Though homeownership has many perks, there are some unexpected expenses to be aware of, like the ones we mentioned above. Some costs are beyond your control, like property taxes and homeowners association fees. Ensure you’re aware of the costs of homeowners insurance, especially if you live in a natural disaster-prone area. 

The most costly part of homeownership relates to your house’s overall upkeep, including repairs and monthly expenses. The experts at 41 Realty Group can help you stay well informed about the average monthly costs of owning a home and help you avoid expensive surprises. We would love to help you budget your expenses and help you buy the home you want. 

Reach out to us today and let us talk about the real costs of homeownership and what the next best steps are for you. 

General Real Estate

Enzo’s Bistro – Billings Iconic Restaurant Gets New Owner…

Nicole King, owner, and broker of 41 Realty Group, visits Enzo’s Bistro, one of Billings, Montana’s most popular and iconic restaurants. She interviews Tyler Samson, Enzo’s new owner, to find out what he’s keeping the same, what he’s changing, and what his vision is for this beloved establishment. 

An Interview With Enzo’s Bistro New Owner Tyler Samson

Read on for a transcription of the interview with Nicole King and Typer Samson. 

Nicole: Tyler, congratulations, first, on purchasing this property.

Tyler: Thanks. 

Nicole: This is an iconic restaurant in the Billings area, and you’ve made some changes but you’re keeping things the same also. Tell us about us and then also give us a little backstory on how you got here.

Tyler: Ok, well, to make a long story short for how we arrived here in the short term anyways – I owned a bar outside of town. I live in Billings so I was commuting about an hour and a half round trip every day, and I’m also a commercial real estate broker by day for NAI business properties. So I wanted to do something different to shorten my commute at night so that I could make both things work really easily. 

And I had a conversation with James, the previous owner, I’ve know him for about 12 years now, we are good friends. And we had coffee about a year and a half ago and we had kind of started the conversation about me taking this over, and all the ideas starting coming about. And I got really excited and also kind of nervous, especially when COVID hit and we closed actually, at the very end of June on this. So there wasn’t really any game plan written for this, to deal with this, you know, so we’ve had to definitely make some adjustments. But, to be honest with our strong takeout presence and we are at about, about 65% capacity with the layout of the restaurant, keeping that six-foot distance rule. But you know with the takeout and that and I think just since we did a kind of a nice elegant remodel, and made some really nice changes, not only cosmetically but also to the menu, there’s been a lot of demand and a lot of people wanting to come check out the new changes, as well as, you know, the regulars who’ve been dining here for the last 22 years. So I think there’s a lot of excitement, you know, I’m very blessed because we’re actually doing about the same numbers as they were last year, even pre-COVID even with the reduced capacity. On a majority of the nights, we’re even surpassing sales, you know, from a year ago, which I’m very blessed, and yeah, we’re very fortunate for that.

Nicole: Absolutely. So you’ve been a chef in the Billings area for a long time?

Tyler: Not a chef actually. So I went to MSUB here when I was 21. I got into the restaurant industry working in, I started in a casino, just slinging beers and running that and then graduated into a few restaurants. My longest stent was with Walkers for eight years, I worked there through college, and then after college. About eight years ago I became a commercial sales agent with NAI business properties and I had a huge passion for both industries and I was trying to see how to make it work. I’ve actually kind of become one of the premier brokers for restaurants across Montana, so that’s kind of the niche I focus on.

Before this I had the Edgar Bar, and I had actually had that listed for the previous owners, and that’s how we kind of stumbled across it. I bought it with a partner and it was a very successful business, you know, I had that for almost four years before I did this. I’ve been in the restaurant industry for about 15 years, so I have a huge passion. But again, for me it’s also about being able to help other restaurants and casinos and bars, and you know, sell their businesses or have people buy them, so, you know, I handle both sides of the acquisition. It’s really fun.

Nicole: But you probably have great advice on how to be successful, also. 

Tyler: Yeah, it’s been great. I’ve definitely done some consulting with a lot of restaurants I’ve sold, you know, I’ve represented both buyers and sellers, you know, all across Montana for the last eight years. It’s just really exciting and I love being able to, you know, give my personal input and give advice, and, you know, being a commercial agent that owns, has owned a couple restaurants now, and successful ones, and kind of more iconic ones – it definitely helps my real estate career as well. Being able to get new listings where you know people are now coming to me, you know, to list or to help them buy, you know, liquor licenses, or beer and wine licenses, or full establishments too.

Nicole: Absolutely, so what is the top-selling dish here?

Tyler: Right now, anyways, is our Alaskan halibut. Until the end of October, we’re able to get it fresh, so we actually get it second-day air to us. It comes with a certificate on the box, we get it in whole, so we bone it and skin it in-house. Our chefs filet it out and they weigh them out, so you know it’s never been frozen, it’s easily our top seller.

Nicole: It sounds delicious. 

Tyler: It’s really good.

Nicole: What is the time that has carried through from all the previous owners to now that people come back again and again and again?

Tyler: There’s definitely some staples. So when we looked at the menu, my kitchen is led by Alex Bean and Jason Marble, the three of us got together even before I had purchased this before the sale went final and just looked at the menu. We just looked at the menu and, you know, we didn’t want to change anything too drastic. So I would say it’s probably 20% new but 80% we kept the staples, like the veal piccata, the shrimp tempura pasta. Paul loves the vanilla bean creme brulee, he’s been in for that. My favorite is the portobello and mozzarella pasta with fresh pasta with a basil pesto. Everything’s served over a bit of marinara with mozzarella and then we do a grilled portobello cap. So we actually skewer the pasta and then garnish it with two grilled artichokes on top of the skewer, and then we also add some mixed greens in the mix of that and toss in a little bit of balsamic too. So there’s so many different flavor profiles going on, and it is a vegetarian dish but you can add chicken, beef, sausage, or shrimp to it too, so it’s been very popular. 

Nicole: That sounds delicious.

Tyler: So we kind of cater to every palette, you know, we have a lot of gluten-free options, some vegan options, a lot of vegetarian options. We’re doing a lot of steaks right now too, the last couple of weeks we’ve been running a hand-cut 15-ounce ribeye, and we do a homemade Atlantic crab bearnaise sauce over the top, so it’s kind of a nice surf-and-turf with a beautiful presentation. But we’ve been selling out of that almost every single night we feature it so it’s been awesome. 

Nicole: What type of remodeling have you done since you’ve been in here?

Tyler: Yeah, mostly cosmetic for now. We did all new carpet, upstairs and down, we painted the entire interior. Matt The Painter and his team did that, they are going to be doing the exterior here in the next week or two. We added this bar top in so there’s actually seating at the bar with new lighting. We put new lighting upstairs and then I was fortunate enough to get Kira Fercho to display her art here on the walls too, and that’s been amazing. Very stunning. Then I hired Ann Jackson to help with the interior design as well, just for some extra guidance.

Nicole: Ann did a great job. 

Tyler: Yeah, thank you. We wanted to keep it very elegant, keep it classic. We didn’t want modern at all, but yeah we just kind of brightened things up and it just needed kind of a facelift after 22 years, so it was a really fun process actually.

Nicole: So what’s the best way for people to get a hold of you do either order takeout, or to just come in?

Tyler: We’re kind of old-fashioned still, we like the phone call for the reservations, we still hand-write everything in on the reservation book. We don’t have a digital system just because it’s never failed in 22 years so why change it now? We do takeout orders over the phone as well, so usually, we allow a 30-45 minute time slot so that usually when that person walks in to get their to-go food, it literally was just boxed within 30 seconds. Or we’ll see them walk in and then fire and put everything together, so, you know, most of the people with the residential community that we’re surrounded by, you know, they’re home within just a few minutes so they’re still getting the food fresh.

We’re not doing any delivery options. Grubhub does have a small presence here, we don’t advertise with them just because of the quality of the food that we’re serving, we want to, you know, if we give it to a third-party courier that takes it out, we really have no control of how it’s handled and taken care of when it leaves here so we want it to be as fresh and hot as possible for the guests. 

Nicole: I can’t tell you how many times I’ve had that experience, where I order something, and 45 minutes later it’s at my door and it’s…not great anymore.

Tyler: Right, yeah. We take a lot of pride in what we do and you know, being this close to so many houses, a lot of people are coming from downtown or the heights, they get the food on the way home and they can go have dinner with their families. Or, you know, especially now with the bar and we added a beautiful chef’s table right in front of the kitchen. A lot of people can, you know, have a drink while they wait for their food as well, so it’s been really nice. With the limited seating, to add the bar seating and the chef’s table, you know, to add the extra seating has definitely helped us out. We had to get kind of creative, you know, just to get people in seats.

And then this spring we’re going to do a really nice, kind of a glamorous patio too. So it’ll be really fun, we’re excited about that. I was going to do it in July, but with all the COVID spiking across the nation, I was a little worried about doing that, putting the money and the work into that and then getting shut down, you know, and not being able to utilize it so we’ll do that for sure this spring.

And then, I can’t announce it right now, but we have a huge exciting announcement at the end of October and we’re going to have a big, kind fo a grand event as well that we’ll start advertising for.

Nicole: I want to get invited to that.

Tyler: Definitely, you’re on the list.

Nicole: Everybody heard, I get to be invited to the grand event. Is there anything else that you would like people to know?

Tyler: That’s about it, you know, it was very important for me to keep Enzo going and keep it in the community. Like you said, it’s an iconic restaurant and I wanted to be able to, you know, basically, enhance what was already here, keep it in the community. I didn’t want anybody else with a new concept coming in here or a startup, you know, it’s very important to respect the history and just try to enhance. Our biggest thing we teach, you know, is hospitality here, you know, we like to customize the experience for the guest. I always tell everybody, it’s what the guest remember the most is how we made them feel. When you compare that with amazing food, it’s just kind of a winning combination. Want to see more great interviews and videos around Billings, Montana? Subscribe to 41 Realty Group on YouTube today and never miss out on everything that is great about our town.

Get Pre-Approved 41 Realty Group Buyers

Why You Should Always Get Pre-Approved

Are you thinking about starting the process of buying a home? There’s a strong chance that at least one person has suggested that you get a mortgage pre-approval. There are many good reasons why it is a good idea to get pre-approved. 

Let’s dive into why this piece of paper is vital when it comes time to buy a home, especially if you’re a first-time buyer.

4 Reasons Why You Need To Get Pre-Approved

Before we get into some of the benefits that come when you get pre-approved for a mortgage, let’s first discuss what a pre-approval letter is.

A mortgage pre-approval letter from your lender assures you, your real estate agent, and sellers that you have the ability financially to complete any purchase of any home that meets the lender’s guidelines. This letter will also include a specific pre-approved interest rate, though it’s important to note that mortgage rates are variable. Mortgage lenders will consider the same factors they would consider for traditional mortgage approval, like your debt to income ratio and your credit score. The more your finances are in order, the more you’ll get pre-approved to borrow. 

Your pre-approval letter will show you what you can afford to spend and what your monthly payment might look like.

Some of the required documents you might need when applying for mortgage pre-approval are:

  • Pay stubs and W-2s
  • Bank, retirement, and investment account statements
  • Tax returns
  • Financial statements (if self-employed)
  • Letters of explanation for credit blemishes

Another thing to mention is that pre-approval is different from pre-qualification. Many lenders will issue “pre-qualification” letters, which ask you about your financials, but it doesn’t hold the same weight as a pre-approved letter. A pre-qualification can be useful as an estimate for how much you can afford, but a pre-approval gives you approval on a specific loan amount.

You’ll Know Exactly How Much House You Can Afford

The first significant benefit that comes when you get pre-approved is that you’ll know exactly how much house you can realistically afford before you even begin house hunting. Knowing this information narrows down your options and makes the selection process more efficient. Plus, it will save you the heartache of realizing the home you fell in love with doesn’t align with your budget.

It Makes You a More Serious/Attractive Buyer

You might know this already, but there are two types of markets: buyers’ markets and sellers’ markets. In a buyer’s market, inventory is high, but the demand is low, which means you might have more wiggle rooms in terms of the purchasing process. However, in a seller’s market, inventory is low, and more people need to buy homes, which means that buyers need any advantage they can to get ahead of the competition. 

Just like the oceans’ tide, these markets ebb and flow from season to season. If you’re trying to buy in a seller’s market, then having a mortgage pre-approval can set you apart as a serious buyer who has the funds to close the sale. 

Put yourself in the seller’s shoes. If two buyers are putting an offer in on your house, but only one has actually been approved for a loan for that offer, who do you think you should sell to? In almost every case, the buyer who has been pre-approved will get the house, as there is a lot less risk of the deal falling through due to lack of appropriate financing.

It Increases Your Negotiation Power

In addition to making you a more attractive buyer to sellers, you’re giving yourself more flexibility in bargaining and negotiations when you get pre-approved. Sellers know that a buyer who has already been qualified for the listing price or offer amount might be more willing to make compromises because the sale is a sure thing. 

A mortgage pre-approval can help you strengthen your buying position and may make it more likely that you get some other things you might ask for, like repairs, improvements, or even having the seller cover closing costs for you.

You’ll Close Faster

On average, it can take about 50 days to close on your home. Several factors cause this timeline, and that includes mortgage approvals. If you already have your pre-approval in hand, you might be able to speed up the process so you can move into the home of your dreams earlier than you might have been able to otherwise. 

When you start the closing processing, securing finances is the first step. However, when you already have your mortgage pre-approval, financing is already squared away, and you can jump into the appraisal and inspection process. Especially when the seller wants to close sooner than later, having your pre-approval lender upfront is a beneficial advantage.

The Bottom Line To Get Pre-Approved

When you need to get pre-approved, the first thing to do is to determine who you want your lender to be. You can get a mortgage pre-approval from up to three different potential lenders, and it might be a good idea to do so. Getting approvals from multiple lenders allows you to compare rates and select the option with the best lending terms. 

Here’s some specific information in regards to your finances that your potential lender will ask you for:

First, they’ll need some personal information to run a credit check, like your social security number and proof of identity. They’ll also want to see proof of your income for the past two years, including all W-2s or alternate tax information and anything else they might need related to your source or sources of revenue. Lastly, you’ll need to provide any documentation relating to assets outside of your income, including investments, monetary gifts, and more.

Once you gather all of this info, the process to determine how large of a mortgage you qualify for can take anywhere from a few days to a few weeks, depending on who you’re working with. Typically your mortgage pre-approval is valid for anywhere in your state from 60-90 days, which usually is enough time to search for and make an offer on a home. A general rule of thumb is not to make any significant changes to your finances between getting your mortgage pre-approval and buying your new home, as major purchases or taking on more debt will most likely invalidate your existing pre-approval amount. When you’re ready to start looking for your dream home, we can help! Give us a call, and we’ll refer you to our favorite lenders and give more tips to consider as a first-time homebuyer.

First Time Home Seller 41 Realty Group Sellers

Everything You Need To Know As A First-Time Home…

First time selling your home? Maybe you’re ready for more space, looking to downsize, or perhaps you simply want a new adventure in a new location. No matter the reason, we think it’s essential to be prepared for the entire sales process. Selling your home can be emotional and stressful, especially for first-time home sellers, as likely it’s your most significant investment. 

As a first-time seller, you have the advantage of having gone through the buying process. Now’s the time to spend your time prepping your home to look it’s best for potential buyers. Plus, depending on your plans, you may also have the extra pressure of selling your home and buying a new one at the same time. Let’s go over the entire process from top to bottom so that you feel a little more prepared before you sell.

Your Guide To Being A First-Time Home Seller

We think that having a basic understanding of the home-selling process can give you some peace of mind as you make your next move. Here’s a step-by-step guide that gives you everything you need as a first-time home seller.

1. Decide If You Should Sell Your Home Or Buy A New One First 

The first thing you should do is figure out when you’re buying your next home. Some people decide to sell first so they don’t have to worry about two mortgages at one time. We suggest talking to a real estate agent and look at your current housing market. In a buyer’s market, there’s a better chance that a seller will accept an offer on their home, even if it’s contingent on the sale of your current home. However, in a seller’s market, homeowners might not be keen on accepting a contingency that forces them to wait around.

We also suggest that you address your finances before getting too far into the process. Contact your current loan servicer to discuss your remaining mortgage balance so that you know how much equity you’ll have when you decide to sell. Learning this information will help you budget for any improvements you’ll need to make before listing. 

2. Choose The Right Agent

The next step is to find the right real estate agent to work with you during this process. The trick is to find someone who knows the area inside and out and is willing to work around your busy schedule. At 41 Realty Group, we have agents on our team that specialize in helping sellers and their unique needs. The right real estate agent will help you set the right price, negotiate offers, and give you the advice you need to sell your home for the best price.

Plus, real estate agents will be there every step of the way to help you navigate through any sticky situation that might come up. 

3. Set The Right Price 

A critical step in the home selling process is to set the right price. Both appraisers and real estate agents will give you an opinion based on comparable sales that occurred within the last 3-6 months in your specific neighborhood. They look at several factors, including the house’s age, square footage, location, and the number of bedrooms and bathrooms. 

Your agent will perform a comparative market analysis for you to recommend a price that is right for your home based on current market conditions. 

4. Prepare Your Home To Sell

It’s probably no secret that there are many details to take care of before you officially list your home and show it to buyers. Here are a few things to keep in mind:

Fix The Little Things

You know that to-do list you’ve had for years of all those little things you need to fix or replace? Now’s the time to do them. Maybe it’s a broken door handle, a faulty outlet, a sink that drips, etc. They might seem small to you, but potential buyers might attribute that to the house not being adequately maintained in the grand scheme of things. 

You might not need to do costly and extensive renovations. Though they will be impressed by the new countertops or new roof, they likely won’t want to pay more for those updates. 

Declutter And Clean

When showing, it’s vital to declutter and eliminate distractions that take away the buyer’s focus. Now is the perfect time to sell or toss anything that you aren’t planning on taking with you when you move. Clear out the closets and organize all of your storage areas. 

Once the clutter is all cleared away, the next step is a deep clean throughout the house. This is the time to scrub the baseboards, wipe the dust from ceiling fans, and get behind all those nooks and crannies you usually skip. 

Stage Your Home

Staging your house is a powerful tool that a first-time home seller should utilize when it’s time to sell. It can be as simple as cleaning well, removing extra clutter, and repainting a wall or two. Staging helps potential buyers look at your house like it’s already theirs. They will want to see details to help them imagine themselves living in this space. Try to make your home as comfortable and neutral as possible. 

Your real estate agent will help you find just the right placement of furniture, or even help you bring in rented pieces and decorations to freshen up your space. 

5. Market And Show Your Home 

Once you’ve prepared your home and made it fit for selling, your selling agent will start marketing your home to buyers. Marketing involves several different elements, all designed to paint your home to the best light and find the right people interested in buying. They’ll most likely start with professional photographs of your home to create an online profile. This listing will include all the details about your home that buyers will be looking for.

Your agent will also use the multiple listing service (MLS). The MLS is a private database that is used only by licensed agents to find homes for buyers. Your home will be listed on the MLS and syndicated to all popular home search websites. Agents will also put a sign in your front yard, perhaps use flyers and direct mail for marketing your home, using a video tour, and of course, share your property across their social media pages. 

Another marketing strategy is open houses. Your agent will give you tips on when the best time to host an open house is and what you can do to prepare for buyers coming in and out of your home.

6. Negotiate And Accept An Offer

Negotiating is a significant part of the home selling process. As a first-time home seller, you can expect your agent to work on your behalf to ensure your best interests are represented. They want you to save money and get the most for your house. 

When entering the negotiating phase, our advice is to have realistic expectations and remain flexible and open with your agent. They will help you set realistic pricing goals and tell you what buyers will be looking for and what offers they are likely to make. 

Especially if you’ve been on the market for a while, talk to your agent about what you can do to speed up the process without losing too much money. They’ll be your guide when it comes to handling all the tricky parts of this negotiation process and help create a win-win for you and the buyer.

7. The Closing Process

Did you accept an offer? Congrats! Now comes the official closing process. Here’s how it works:

First, you’ll prepare for the appraisal and inspection. A licensed appraiser will evaluate your home and make sure that the amount matches or is similar to the sale price. An inspection is ordered by the buyer to assess your home’s structure and systems. This is done to find out if there are any significant repairs needed. 

Frequently your listing agent will recommend having a pre-inspection before putting the home on the market so that no surprises come up that you might have to pay for later. If things do come up during the inspection, your real estate agent will help negotiate repairs and help you decide what you should do, whether it’s making repairs yourself or lower the house’s price.

The next step in the closing process is to get all your paperwork in order. Likely you’ve already filled out the listing agreement and the purchase agreement. Now your agent will work with the title company to get the rest of the documents squared away. This will include title work, property tax documents, property surveys, any plans and permits associated with your home, and your homeowner’s insurance information. 

As soon as all the terms of your purchase agreement are met, and the loan paperwork is ready to go, an escrow agent will deliver a settlement statement that details all the money transfers. On closing day, you’ll sign all the paperwork required to transfer ownership of your home officially.

8. Tie Up Loose Ends

Once you get through closing, you’re just about done with the entire process. We wanted to mention a few loose ends you’ll need to tie up. Don’t forget to change your address with the post office and cancel your homeowners’ insurance on the home you just sold. Now is also the time to close all accounts delivered to your home, like utilities or newspaper subscriptions. 

If you have any manuals that go with appliances in your home, leave them on the counter for the new owners. That’s it! You’re free to begin the next adventure in your life.

Conclusion

Ready to get started? We can help! Give us a call at 41 Realty Group, and we’ll answer your questions, help you sell, and even help you find a new house. 

Click here to get started!

General Real Estate

Do You Know All These Billings Trivia? [VIDEO]

In this video, Nicole King, owner and broker of 41 Realty Group, went downtown and asked local Billings residents some trivia. Some they got right, some they didn’t. Do you think you can get all of this Billings trivia? Watch the video or keep reading to find out!

Most Montanans Will Know This Billings Trivia – Do You?

Let’s break it down by question and see if you know Billings as much as you think you do.

Questions #1 – What year was Billings founded?

People struggled with this question when Nicole asked local residents, but the answer is 1882.

It was first founded by the Northern Pacific Railroad on a site originally known as Clark’s Fork Bottom.

Question #2 – Where did Billings get its name?

Billings was named after Frederick Billings, the president of the Northern Pacific Railroad, and was established as a rail hub in 1882. 

Question #3 – How many people live in Billings?

As of 2020, the population of Billings, Montana, is 109,868. It is known as the largest city in Montana and the 282nd largest city in the US. Billings has a population density of 2,463 people per square mile, spanning over 45 miles. Billings is the only city in Montana with a population of more than 100,000.

Question #4 – What street does the West End start on?

Many people in the video guessed that the West End of Billings, Mt starts on 24th street, and anything west of that is considered the “West End.” However, this is still up for debate across town. 

What do you think?

Question #5 – What is the area before 19th street or the West End called? 

This is another Billings trivia question that is up for debate! Some people called it central, and some people called it midtown. Other people just answered that it was the area around their house! What do you think these areas should be called, and where do they start and end?

Question #6 – Do you know where Rehberg Ranch Is? Is it in the Heights or the West End?

If you watched the video, most people answered this question correctly. Rehberg Ranch is located in the Heights! Rehberg Ranch is one of Billings’ most desirable residential subdivisions. 

It’s a newer community named after AJ Rehberg, a man who staked a claim in the early 1900s on a high stretch of rimrock prairie land above Billings that is mostly hidden from the rest of the town.

Question #7 – Who is the current Mayor of Billings?

Only one person answered this one correctly, but Billings’s mayor is a man named Bill Cole. He was born and raised in Bozeman, MT, and graduated from Dartmouth College with a history degree. He then received his law degree from Columbia University School of Law in New York City. In 1991, he and his wife Anne Remmer Cole moved to Billings. 

His term ends in December of 2021.

Question #8 – What do you love most about Billings?

Some of the residents that Nicole interviewed answered similarly to one another, saying that Billings has always been their home, and the people are the best part of the town. Others said that they love everything that Billings has to offer surrounding the city, like hiking and fishing and the scenery. Another person said that the Billings music scene is what they love the most.

A lot of people love the blend of city and home-town vibes that Billings offers, as well as the ability to get away from the people when you need some open spaces. Another group of people said that the best part about Billings is that there is always something to do. There are always events and activities happening around town for the whole family to enjoy. 

Question #9 – What is one thing you would like to see added to our community?

When asked what they would like to see added to the community, the answers differed. One person said they would like to see more community-based events. Several people said they would like to see more diverse fast-food options like Chik-Fil-A and In-N-Out, while another said they would love to see more parks and areas for recreation. 

What do you think would benefit the Billings community? We’d love to hear your comments and see what you thought about this Billings trivia and whether answers differed from the video’s locals!

Billings Real Estate Agent 41 Realty Group General Real Estate

How To Choose The Right Billings Real Estate Agent

Thinking about buying or selling a home? Both of those processes can be an exciting experience and a life-changing one at that. Whether it’s the thrill of the house hunt and the possibility of a new life and growing family, or moving on to the next chapter, a new home is full of hopeful opportunities. The entire process can be enhanced by a good real estate agent who knows all the ins and outs of your market. However, we know that in Billings, MT, there are so many different brokerages and agents out there to choose from, which means that finding the right one is more of a challenge than even finding the perfect house. Especially since working with the right real estate agent who is both experienced and trustworthy can help you sell your home for the best price or find your dream home within your budget. When you’re looking for a Billings real estate agent, you’ve come to the right place.

To help you with the selection process, we’ve compiled a list of tips to help you find the best real estate agent, no matter where you live.

Simple Tips To Help You Choose The Best Billings Real Estate Agent

Here are a few tips to help you choose the best Billings real estate agent to help you buy, sell, and even fix and flip.

Start By Looking For Referrals In Your Own Network

The first thing you should do when looking for the right Billings real estate agent is to ask around. Ask friends and family members who they’ve worked with and trusted in the past. Use your network to find out who had amazing experiences. You’ll want to work with someone who has worked with people who are in the same situation as you. Specifically, first-time buyers’ needs are different from those of frequent buyers or homeowners looking to downsize.

We suggest looking for Realtors with a capital R. This specific title means that they are National Association of Realtors (NAR) members. Loosely speaking, this means they have formally agreed to abide by the NAR’s code of ethics. Some Realtors and agents also have specific certifications to show they’ve completed additional training. 

Once you’ve found a name or two of local agents and brokers, the next step is to examine their online presence. Look at their social profiles, their website, and how they promote their current listings. It is also helpful to look at online reviews, but be cautious. One or two negative reviews are normal for successful agents, but if more than 50% of their reviews are unhelpful experiences, that might be a red flag.

Look For Signs Or Open Houses

If you aren’t really excited about digging online for agent profiles, check out your local market in person. Drive or walk around your neighborhood or the neighborhood you want to be in and look for repeat agent names on signs. If you’re seeing the same name or brokerage name time and time again, it most likely is because they care about their business and want to be recognized as an asset to their community. 

Another way you can get to know an agent is to visit open houses. Get a feel for them in person and see how well they are selling another home and interacting with potential buyers. This is a great way to get a feel for their personality and see how they work.

Ask The Right Questions 

When you’re interviewing or getting to know your potential new agent, make sure you are asking the right questions. Find out how long they have been working in real estate, whether they work primarily with buyers or sellers, and how many active clients they have at a time. 

Ask if they are a part of a team, their specialty, and their marketing strategy for both buying and selling. Working with a brokerage is usually a great bet because you’ll have a team of knowledgeable agents and brokers to handle any issues and questions that come up.

Set Clear and Realistic Expectations

When picking an agent to help you buy and sell, you must set your communication preferences and let your agent know your expectations. Usually, the greatest complaint regarding any Billings real estate agent is that they aren’t communicating well. Make sure you are on the same page with your agent from the get-go. Ask them what their expectations are for you as the buyer or seller and ask them how often they will contact you. Maybe your agent prefers email while you prefer phone calls. This might not make for a great client-agent relationship. Similarly, if you’re looking for weekly updates and have a lot of questions, and your agent isn’t great at answering the phone, then you might want to look for someone who is a better fit.

We also think that it’s important you clarify your motivation and goals. If you’re on a strict timeline or have wishlist items that can’t be broken, make sure you’re communicating that with your agent. Layout everything you’re expecting right away so your agent knows all of your expectations. 

At the end of the day, you want to agree with your agent on all the important details. A great agent relationship starts with clearly defined expectations and communication strategies.

Go With Your Gut

We know that when it comes to choosing the right agent, an agent’s ability to make the process smooth and easy is just as important as experience and knowledge. You want to feel mutual trust and comfortability with your agent, as often the closing process can get a little complex.

At the end of the day, you should go with your gut. Finding the right agent is a little like dating; you’ll know if you have chemistry right away. It’s about personality fit just as much as finding someone who knows their stuff.

The Bottom Line When It Comes To Finding A Billings Real Estate Agent

When it comes to finding the right real estate agent, the bottom line is to shop around and do your research. You want someone you connect with, someone you trust, someone who knows the industry and has a large network and inventory on their side at the end of the day. 

Have questions about real estate? We’d love to help. Reach out to us today to discuss your goals.

First Time Home Buyer 41 Realty Group Buyers

Everything You Need To Know As A First-Time Home…

If anyone knows how difficult being a first-time home buyer can be, it’s us. There are so many steps, tasks to complete, requirements, and documents to fill out. Many people looking to buy are anxious about the process because, more often than not, this is the biggest financial decision they will ever have to make. However, we want to encourage first-timers not to be afraid of the process and enjoy some of the advantages of buying for the first time. 

To make this process a little easier and clear up some of the mystery, we’ve compiled a brief overview of what to expect from the buying process. Hopefully, these tips will help ease some of your worries and make life a little easier before buying your first home.

Your Go-To Guide As A First-Time Home Buyer

Thinking of buying your first home? Here’s everything you need to know to get started. 

First Things First – Get Pre Approval 

All first-time home buyers feel both the exhilaration and the fear that comes with buying a home for the first time, and it’s no surprise you’re here looking for tips. Our first piece of advice? Shopping for a home, no matter your budget, without getting preapproved for a mortgage is a big mistake. 

Getting preapproved before you even start looking for a home can help you in a variety of ways. First, it ensures that you have the financial ability to purchase a home, and also makes sure that you know how much you can actually afford. In addition, it lets real estate agents know that you are serious about buying a house.

Shopping for a home before you get approved runs the risk of finding homes that you love that aren’t in your price range. This means you find a way to buy a house you really can’t afford or every other house you look at is a disappointment. Instead of getting your hopes up, start by evaluating your finances and talking to a mortgage lender. Then create a list of must-haves and deal-breakers for the home that you want, so that when you get that pre-approval letter, you’ll know where to start looking.

Consider The Costs of Home Ownership

Like we mentioned above, it pays to know the state of your finances before you really start to look for houses. Any first-time home buyer needs to consider the true costs of homeownership. For example, your down payment requirement will depend on the type of mortgage you choose and the lender. Many lenders offer first time home buyer loans that allow as little as 3% down. But even a small down payment can be challenging to save for. A 3% down payment on a $300,000 home is still $9,000. 

Another thing that a lot of people don’t consider is the closing costs. There are the fees and expenses that come with finalizing the mortgage, and they can range from 2% to 5% of the loan amount. Sometimes you can ask the seller to pay a portion of these closing costs and shop around for some of those other expenses that come up. Some other expenses might include having the home appraised, getting a home inspection, running a title search, private mortgage insurance, and other surveys. Ask your real estate agent for all of the ins and outs when it comes to closing costs.

Don’t forget any immediate move-in expenses! You’ll want to make sure you have some funds after moving in for home repairs, upgrades, and any new furnishings you might want. 

Choose The Right Real Estate Agent

Another important aspect to consider when you are a first-time home buyer is to make sure you choose the right agent. The right agent will be able to meet all of your needs and guide you through the entire process. 

Make sure you have a connection and mutual trust with your agent. Get referrals from your friends and family and ask them about their experience. Then ask your potential real estate agent about their process for first-time home buyers.

Pick The Right Type Of House And Neighborhood

With the help of your agent, the next step is to find the right house in the right neighborhood. Think about your long term needs and whether you need a starter home or a forever home. If you’re thinking about starting a family or expanding your current one, then it might make sense to buy a home with a little extra room. 

You’ll also want to weigh the pros and cons of different home types, and knowing your lifestyle and budget will help you. Though condos and townhomes are more affordable, sharing walls and having neighbors close by means less privacy. Maybe you’ve found the perfect neighborhood but can’t afford a move-in ready home, in which case a fixer-upper might be your best bet. 

Whatever you choose, make sure you check out the neighborhood thoroughly. It might even be a good idea to test out the commute from your home to your workplace or your children’s schools.

Make An Offer and Close On Your Home

When it’s time to make an offer, your real estate agent will help you decide how much is fair to offer for the house, along with any conditions you might want to ask for. Your agent will contact the seller’s agent and do all of the negotiating for you. Offers and counteroffers will be handled until ultimately, an agreement is reached. Once you reach an agreement, you will then make a good-faith deposition, and the process will then transition into escrow. Escrow is the short period of time during which the seller takes the house off the market with the expectation that you will buy it – provided you don’t find any issues with the house during the inspection.

Once you reach an agreement, and there are no serious problems with the inspection, you are ready to close! Closing is the process of signing a ton of paperwork in a very short time period, and your Realtor will help you make sure everything goes smoothly. 

Let 41 Realty Group Help You Find The Perfect Home

First-time home buyers shouldn’t be afraid of the complex process because you’ll have a real estate agent on your side to help you with every step of the way. Hopefully, you have a better idea of what to expect so that when you’re ready for this fun and life-changing commitment, you’ll be ready. At 41 Realty Group, you’ll find a team of agents who love helping others make Billings their home. Give us a call or contact us online to let us help you start this process.