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240 First Avenue West

Kalispell, MT 59901

(406) 890-2117

admin@daveheine.com

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Loan Pre-Approval

Loan Pre-Approval

When buyers begin the process of looking for their next home or if you are in the market for your first, most real estate agents will ask if you have been pre-approved from your lender. This is a very important first step in the process that many homeowners-to-be try to sidestep. It is critical because […]

Purchasing Fees

Purchasing Fees

Frequently when purchasing a new home, or if you are a new home buyer, buyers do not pay attention to all the extra fees that are included in the purchasing process. The following is a list of common fees to be aware of: Loan Application – applies to many types of loans and is for […]

Farm 2018 Tax Tips

Farm 2018 Tax Tips

Changes effecting capital purchases and net income: New 1031 rules –  a tax-free exchange (1031) only applies for real property. Personal property or equipment exchanges are treated as a sale and therefore require a “bill of sale”. New depreciation life and limit –  Federal 179 deduction limit is $1,000,000. It limits qualified capital purchases to […]

Buying with NO $$ Down?

Buying with NO $$ Down?

Many folks do not realize that it is even possible to acquire a home loan with little or even no money for a down payment. We are here to tell you, yes you can!  You just need to do your homework in finding the right program to assist you or what programs are available in your area. […]

How Your Credit Score is Calculated

How Your Credit Score is Calculated

Our FICO credit score is made up of five elements, as indicated by Fair, Isaac Corp., for the general population. 35% – this score is about how bills are handled. Are the bills paid by or before the due date? What is your history on paying on time? The consumer gets points added to their score […]