\n\nIn order for you to believe that you are \"Enough\" you need to believe that nothing is ever wasted. Life has given me twist, turns, ups and downs but all of it was not for nothing. Every struggle I have ever went through has prepared me for my future. All of the disappointments, set backs, lonely nights and people who did me wrong provided me with the opportunity to mature, grow and develop my own character. My God didn't send those hardships to me, he instead used them to Prepare me for the next step. Those adversities have made me and molded me into the person that I am, and the person that He is creating me to be. I decided a long time ago that difficulties will not stop me, instead they will only Promote me!\n<h3>Tannis Kramer<\/h3>","post_title":"Nothing is Ever Wasted","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"nothing-is-ever-wasted","to_ping":"","pinged":"","post_modified":"2016-07-15 13:46:12","post_modified_gmt":"2016-07-15 13:46:12","post_content_filtered":"","post_parent":0,"guid":"http:\/\/test.kriesi.at\/enfold-medical\/?p=926","menu_order":0,"post_type":"post","post_mime_type":"","comment_count":"0","filter":"raw"},{"ID":1546,"post_author":"2","post_date":"2017-04-05 17:39:38","post_date_gmt":"2017-04-05 17:39:38","post_content":"<div class=\"page\" title=\"Page 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n\nA DOWN PAYMENT GIFT PROGRAM\n\nWould You Like To BUY a Home But Need HELP With the DOWN PAYMENT?\n\nThe Home Now Program provides financing and down payment\/ closing cost assistance in the way of a gift (not a loan) to the borrower through an approved lending corporation.\n\nMontana Community Development Corporation developed the program to meet the housing needs of Montana residential borrowers who meet the income levels of less then 115% Applicable Median Income (AMI).\nThe purpose of the loan is for a single-family borrower to purchase or refinance a primary owner- occupied residence, that are 1 or 2 units including Condos, Townhomes and PUD\u2019s through an <a href=\"http:\/\/MYFICO.com\">FHA, VA, RD, or CONVENTIONAL loan<\/a> with a 30 Year term.\n\n<a href=\"http:\/\/HUD.com\">DOWN PAYMENT ASSISTANCE<\/a>-\nFHA,VA, and RD programs provide 3.5% or 5% assistance. Gifting funds up to 100% of the homebuyer\u2019s cash to close with no contribution or refund from borrower.\nCONVENTIONAL program - provides 3%, 4%, or 5% assistance.\n\n(FICO) Minimum Credit Score of FHA,VA, and RD is to be 640 or higher HOMEBUYER EDUCATION \u2013 Recommended but not required.\n\n<a href=\"https:\/\/trinabesel.mannmortgage.com\/\">Get Pre-Qualified Now!<\/a>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","post_title":"Down Payment Gift Program to Buy Your New Home.","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"home-now","to_ping":"","pinged":"","post_modified":"2017-04-05 17:39:38","post_modified_gmt":"2017-04-05 17:39:38","post_content_filtered":"","post_parent":0,"guid":"http:\/\/www.westernskiesmt.com\/?p=1546","menu_order":0,"post_type":"post","post_mime_type":"","comment_count":"0","filter":"raw"},{"ID":1549,"post_author":"2","post_date":"2017-04-05 17:41:26","post_date_gmt":"2017-04-05 17:41:26","post_content":"<div class=\"gmail_default\">\n<div class=\"m_-4070436156776837430gmail-m_2565022086707847405gmail-page\" title=\"Page 1\">\n<div class=\"m_-4070436156776837430gmail-m_2565022086707847405gmail-layoutArea\">\n<div class=\"m_-4070436156776837430gmail-m_2565022086707847405gmail-column\">\n\n<span style=\"font-family: georgia, serif; font-size: xx-large;\">Looking To Purchase A Home This Year?\u00a0<\/span>\n\n<span style=\"font-family: georgia, serif; font-size: xx-large;\">Here Are 13 Things NOT To Do If You Want To Get Your Dream Home<\/span>\n\n13 THINGS YOU ABSOLUTELY SHOULD NOT DO BEFORE <a href=\"http:\/\/MYFICO.com\">CLOSING <\/a>ON YOUR NEW HOME\n\n1.\u00a0Do not change or quit your job during the process and Do not change your name before closing.\n\n<span style=\"font-family: arialmt;\">2. Do not buy any large ticket items (like five dollars or more) Seriously!\u00a0<\/span>\n\n3. Do not Make David Copperfield deposits. All funds need to be\u00a0<span style=\"font-family: arialmt;\">traceable and show proof of where they originated\u00a0from.\u00a0<\/span>\n\n4. Do not talk to the Sellers directly (loose lips sink ships)\n\n5. Do not lie to your lender about your child support,\u00a0alimony, wage garnishments or any other payroll reductions. It will eventually come out and will effect your ability to get your home.\n\n6. Do not call the<a href=\"http:\/\/HUD.com\"> owner<\/a> on a \"For Sale By Owner\" sign. Let your agent contact them to set up a showing and request more information in order to keep professionalism and your protection in place.\n\n<span style=\"font-family: arialmt;\">7. Do not choose a lender off the internet only because\u00a0they offer a 0.001 interest rate. A good lender is so very crucial to your process and they can make or break your ability\u00a0to get a home.\u00a0<\/span>\n\n8. Do not wait to find the absolute PERFECT house. You will always be\u00a0limited by income, zoning, inventory at that time,\u00a0and even property taxes. Think of every home to be an investment and choose wisely with your mind and not necessarily with your heart. Understand the\u00a080\/10\/10 Rule If you find a house that has 80% of what you are\u00a0looking for, 10% of things you can change and 10% of things you\u00a0can live with, then it's a keeper!\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"m_-4070436156776837430gmail-m_2565022086707847405gmail-page\" title=\"Page 2\">\n<div class=\"m_-4070436156776837430gmail-m_2565022086707847405gmail-layoutArea\">\n<div class=\"m_-4070436156776837430gmail-m_2565022086707847405gmail-column\">\n\n9.\u00a0Do not co-sign for even a candy bar! Do not even\u00a0go window shopping and let people pull your credit!\n\n<span style=\"font-family: symbol;\">10.\u00a0<\/span>Do not order Direct TV, Cable, Telephone or any utility that will pull a\u00a0credit report unless you want to write a letter of explanation about\u00a0the credit report to the mortgage company\n\n11. Do not give away your negotiation power by speaking frankly in the house during a viewing.\u00a0(always assume you are being recorded)\n\n<span style=\"font-family: arialmt;\">12. Do not shop for your new home\u00a0before\u00a0being FULLY approved for a home loan. Nothing hurts\u00a0<\/span>as much as finding the house you love and then you loose it when someone else beats you to it because you were not completely ready to make an offer with a pre-approval letter.\n\n13. Dying before the transaction closes (this really messes things up,\u00a0BIG TIME! Please don't die before the closing... :)\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","post_title":"13 Things NOT To Do If You Want Your Dream Home!","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"13-things-not-want-dream-home","to_ping":"","pinged":"","post_modified":"2017-04-05 17:41:26","post_modified_gmt":"2017-04-05 17:41:26","post_content_filtered":"","post_parent":0,"guid":"http:\/\/www.westernskiesmt.com\/?p=1549","menu_order":0,"post_type":"post","post_mime_type":"","comment_count":"0","filter":"raw"}],"post_count":10,"current_post":-1,"before_loop":false,"in_the_loop":false,"post":{"ID":153,"post_author":"3","post_date":"2012-05-24 18:59:53","post_date_gmt":"2012-05-24 18:59:53","post_content":"<h2>\"There are things you can do to ensure a smooth new construction process.\"<\/h2>\nAre you thinking about buying a new construction home in the Billings, MT area? If so, you've come to the right place. Here are three common mistakes to avoid when buying new construction:\n<ul class=\"styled-list\">\n \t<li><strong>Failing to hire a real estate professional to represent you:<\/strong> If you are going to court, would you represent yourself? If you have an ailment, would you trust a friend to diagnose you, or would you rather see an expert? A real estate professional will protect your interests when you go to negotiate a new home purchase.<\/li>\n \t<li><strong>Do your research:<\/strong> Some builders simply aren't reputable; so you can't pick one without giving it a good deal of thought. There are many ways you can find out which builders are reputable. One of the most important things you can do is find a builder who is going to stand behind their product.<\/li>\n \t<li><strong>Read the fine print:<\/strong> Builder contracts are setup to protect their interests. You need to ensure you are not getting fooled or taken advantage of in the contract stage. Again, working with a good Realtor is a great way to avoid problems with this part of the process.<\/li>\n<\/ul>\nIf you have any questions about buying new construction, or if you need real estate assistance of any kind, please don't hesitate to <a href=\"https:\/\/westernskiesmt.com\/contact\">reach out<\/a> to us. We would love to help you make smart decisions in your marketplace.","post_title":"Avoid These 3 Common Mistakes for a Smooth New Construction Process","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"avoid-these-3-common-mistakes-for-a-smooth-new-construction-process","to_ping":"","pinged":"","post_modified":"2012-05-24 18:59:53","post_modified_gmt":"2012-05-24 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