Cheryl's Blog Absarokee, MT

The recent financial disasters -- from the collapse of Fannie Mae and Freddie Mac to the historic drop in the Stock Market.  More than enough Americans have lost their jobs since January. Home foreclosures are skyrocketing, and home values are plunging. Gas prices are at an all-time high.  I would like to know your "voice" on this matter? 

I'm covering the area of Stillwater County, Carbon County, and Yellowstone County.  Which area of each County?  Stillwater County; I'm covering the area of Absarokee, Columbus, Nye, Fishtail, Dean, and Ryegate.  Carbon County; I'm covering the area of Red Lodge, Roberts, Roscoe, Boyd, Joliet, Rockvale, Bridger, Fromberg, and Belfry.  Yellowstone County; I'm covering the area of Billings, Laurel, and Park city.  

Cheryl Frei - Realtor® & e-Pro Certified Realtor®
Diamond Realtors
P.O. Box 308
Absarokee, Montana 59001
Cell (406) 598-8037
Fax: (406) 328-4154
E-Mail: MailTo:cherylfrei@nemont.net

Montana State Licensed Sales Associate (My license #14456)
Billings Multiple Listing Service
Billings Association of Realtors®
Montana Association of Realtors®
National Association of Realtors®
Noted Realtors® are held to the Code of Ethics of the National Association of Realtors®
Billings Code of Ethics   and Montana Code of Ethics 

 

I would like to give you a warm welcome for visiting me.  Opening the door to a home of your own is a awesome feeling.  What's important is having the knowledge and experience are the "keys" to having a successful real estate transactions, especially buying a home of your own.  The one thing I came to believe is the keys to making the home buying process easier and more understandable is truly "planning" ahead of time. 

Furthermore, planning will help you discover the home buying process. Making a purchase like a home loan will require the lender to runs a "credit report" on you.  Keep in touch with your credit report. Check it out before you go to the lender to see, if there any thing on your credit report that need to be taken care of before hand.  After that is done the next step would be how much can you afford?  As you apply for a home loan, consider your "personal finances."  Always consider your personal finances.  Just as well as your credit report.  

Let's look at how much you "earn" vs. how much you "owe" can determine how much a lender will allow you to borrow.  First is - "Gross" monthly income.  Them your "monthly debt."  All of your monthly debt.  Planning is a process.  You will know if you can afford a home loan just by looking a monthly debt. 

The two step in planning for a purchase of a home is checking your credit report and then your gross income to your debt.  There are three consumer reporting databases that keep a record of you credit history.  To dispute any information appearing on a credit report, you must submit in writing the following information:  Your name - Address - Social Security Number - Then the item that is being disputed along with a brief explanation. 

Equifax
P.O. Box 740241
Atlanta, GA 30374
800-685-1111

Trans Union
P.O. Box 1000
Chester, PA 19016- 1000
800-888-4213


Experian / TRW
P.O. Box 2002
Allen, TX 75013
888-397-3742

I'm covering the area of Stillwater County, Carbon County, and Yellowstone County.  Which area of each County?  Stillwater County; I'm covering the area of Absarokee, Columbus, Nye, Fishtail, Dean, and Ryegate.  Carbon County; I'm covering the area of Red Lodge, Roberts, Roscoe, Boyd, Joliet, Rockvale, Bridger, Fromberg, and Belfry.  Yellowstone County; I'm covering the area of Billings, Laurel, and Park city. 

I am a Member of the:
Billings Multiple Listing Service
Billings Association of Realtors®
Montana Association of Realtors®
National Association of Realtors®

Cheryl Frei - Realtor® & e-Pro Certified Realtor®
Diamond Realtors
Montana Homes for Sale
P.O. Box 308
Absarokee, Montana 59001
Fax: (406) 328-4154
Cell (406) 598-8037
MailTo:cherylfrei@nemont.net     

 

Do you believe it?  It's already September!

Wow!  This year had gone by fast.  To fast for me.  This morning we woke up to frosts.  We had our first frosts and it cold this morning.  I had to turn on the heater to just get the chill out of the air.  The current temperature right now is 42.  The high for us today will be 56 to the low of  36 tonight.   That's cold!  Especially, here.  The temperature drop down to the 30 last night.  32!  It will be cold all this week for us here in Absarokee, Montana.  

My husband told me, when he came home last night from "work" that it's "snowing" up on the top of mountain.  Where at?  Stillwater mine where he work at.  Snowing!  He told me it was very cold at work for him yesterday.  That this morning he had to wear his coat.  There was frost on my husband truck wind shield this morning. 

Discover autumn weather for yourselves under the "Big Sky of Montana."  Autumn on the rivers is a time of solitude and tranquility especially for fishing.  Fishing!  Yes, fishing.  Autumn is the "time" of year for fishing in the Big Sky of Montana.  Fishing spots are uncrowded!  I mean uncrowded.  The cooler water temperatures brings up the big one's from the rivers and lakes "trout" that come up from the depths of the water.     

Big Sky of Montana is a rare and special place to come. The Big Sky, open land, majestic mountains, like the Absarokee-Beartooth and friendly people combine to make Montana the best place to visit even live.  I would like to invite you to "explore" the Big Sky country and discover all the treasures we have to offer here. 

I'm covering the area of Stillwater County, Carbon County, and Yellowstone County.  Which area of each County?  Stillwater County; I'm covering the area of Absarokee, Columbus, Nye, Fishtail, Dean, and Ryegate.  Carbon County; I'm covering the area of Red Lodge, Roberts, Roscoe, Boyd, Joliet, Rockvale, Bridger, Fromberg, and Belfry.  Yellowstone County; I'm covering the area of Billings, Laurel, and Park city. 

I am a Member of the:
Billings Multiple Listing Service
Billings Association of Realtors®
Montana Association of Realtors®
National Association of Realtors®

Cheryl Frei - Realtor® & e-Pro Certified Realtor®
Diamond Realtors
Montana Homes for Sale
P.O. Box 308
Absarokee, Montana 59001
Fax: (406) 328-4154
Cell (406) 598-8037
MailTo:cherylfrei@nemont.net

    




     

 

Escape to the Tranquility of the Countryside Absarokee, Montana.

To experience tranquility is what makes the countryside different from cities life.  That why tranquility is important to the heart and soul. 

A tranquil place allows a person to relax.  And find themselves. Especially to escape from the stresses and strains of everyday life and truly recharge the heart and soul.  Seeking tranquility is an important reason why so many visitors visit the countryside of Absarokee, Montana.

 

I would love for you to explore and to learn more about the area and to eventually become inspired to visit Absarokee, Montana.  What Absarokee, Montana does above everything else is provide you with the perfect destination for a break, whether for a weekend or for a week.  In fact many visitors choose to stay here even longer and even return to Absarokee to live.

I am a Realtor® and e-Pro Certified Realtor®.  Who would like to do business with you, if you're inspired to live here in Absarokee, Montana.


Listen to this song by Russell Watson - Live - singing "Where My Heart Will Take Me".  It's the Theme song for the Star Trek Enterprise

I'm covering the area of Stillwater County, Carbon County, and Yellowstone County.  Which area of each County?  Stillwater County; I'm covering the area of Absarokee, Columbus, Nye, Fishtail, Dean, and Ryegate.  Carbon County; I'm covering the area of Red Lodge, Roberts, Roscoe, Boyd, Joliet, Rockvale, Bridger, Fromberg, and Belfry.  Yellowstone County; I'm covering the area of Billings, Laurel, and Park city. 

I am a Member of the:
Billings Multiple Listing Service
Billings Association of Realtors®
Montana Association of Realtors®
National Association of Realtors®


Cheryl Frei - Realtor® & e-Pro Certified Realtor®
Diamond Realtors
Montana Homes for Sale
P.O. Box 308
Absarokee, Montana 59001
Fax: (406) 328-4154
Cell (406) 598-8037
MailTo:cherylfrei@nemont.net