See whether buying down your rate pays off, and how long it takes to break even. Estimate only — not a loan quote or lender offer.
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Montana charges no transfer tax and no mortgage recording tax, so closing on the $527,848 median home runs about $10,029 to $15,308. Here's where it goes.
Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.