Posts Tagged ‘Business Services’

Power Stones – Montana Moss Agates

October 8th, 2022

Since biblical times agates have been considered power stones,Guest Posting talismans of protection and healing energy. The agates found in Montana are no exception. Native Americans believed the intriguing stone told stories from the earth mother and provided protection. It was the stone of warriors. Montana Moss Agate is considered by many to be the most powerful of all agates and is said to ward off storms.

Montana Moss Agate, a semi-precious stone found in the alluvial gravels of the Yellowstone River and its tributaries, is an exquisite and valued form of “chalcedony”, one of many types of the mineral, quartz. Montana Moss Agate is classified as a cryptocrystalline or microcrystalline quartz and has a hardness rating of 7.

Montana Moss Agate will take a high polish and is used in carvings and jewelry. The Montana Moss Agate is noted for the dendrite and ribbon effect in the rocks. Another type of Montana Moss Agate is sometimes called pepper rock for sprinkles of black found in it that resemble pepper grains.

Although agates of many different varieties are distributed around the world, this beautiful and unique agate is only found in eastern Montana. Most of these agates are located in gravel deposits from the Pleistocene age.

Over 80 million years ago, volcanic activity near what is now the town of Sidney, Montana created this incredible chalcedony known as Montana Moss Agate. Found along the entire length of the Yellowstone River, Montana Moss Agates are most plentiful within a 200 mile stretch between Custer and Sidney, Montana.

Where to Turn For a Montana Home Loan

March 16th, 2022

Deciding that you want to buy is usually the easy part of the MT home loan process. Once you make that decision, you must begin to navigate the process of finding funding. There are plenty of choices when it comes to banks and lending institutions that provide Montana residents with the ability to purchase their own American dream. It is helpful if you have a list of places to start in order to get a good idea of what to expect as you navigate the home loan process.

State Chartered Banks

There are over fifty different state chartered banks that are licensed to operate within the state of Montana. Some have only one office, located in a Montana city, while others have numerous branches all across the state.

Flathead Bank of Bigfork

This bank is headquartered in Bigfork, Montana. They have several branches, located in Belgrade, Cut Bank, Lakeside, Ennis and Kalispell.

Flathead Bank offers an e-mortgage program which allows you to apply for your MT home loan via the Internet. They offer 15 and 30-year fixed rate notes, as well as various ARM loans. A negative amortization loan is also an option. Flathead Bank recommends this type of loan to those with variable incomes. By filling out a short and simple online form, you can get a free consultation to determine which option will best meet your needs.

First Interstate Bank

One of the largest banks in the state of Montana, First Interstate Bank’s main office is located in Billings. Branches include those located in the cities of Bozeman, Belgrade, Bigfork, Coltrip, Evergreen, Eureka, Great Falls, Gardiner, Hardin, Helena, Hamilton, Kalispell, Livingston, Lame Deer, Missoula, Miles City, Red Lodge, Polson and Whitefish.

As a full-service bank, serving Montana and surrounding states, First Interstate Bank can begin your MT home loan application right on your desktop or laptop computer. They estimate that the initial application takes as little as twenty minutes to fill out. Once your paperwork is transmitted, you loan account will be assigned to a MT home loan specialist who can walk you through the rest of the process, either via phone or in person.

Farmers State Bank

This bank is a smaller institution, headquartered in Victor, with branches in Missoula, Darby, Hamilton, Florence, Lolo and Stevensville.

Since 1907, Farmers State Bank has offered full services to residents of both Missoula and Ravalli Counties. The bank issues notes for new purchases, home equity lines of credit and refinancing an existing MT home loan. The bank offers both fixed and variable interest loans for their members.

Difference Between Bank, Credit Unions and Mortgage Brokers

Different people have various experiences obtaining the best MT home loan, and there are certainly enough options to please each group. A MT home loan can be obtained either via a traditional bank, a credit union or through a mortgage broker. Credit unions are different than banks in that they generate funding through their membership base. This often provides lower rates. However, small credit unions may not have sufficient funding available. In Montana, mortgage brokers must be licensed. Beginning in early 2010, the Montana DOA transitioned to a new licensing system. Always ask your mortgage broker whether they have the proper NMLS paperwork. After the end of May, this is the only mortgage broker license that will be in compliance with Montana law. Mortgage brokers may draw from a variety of funding sources, both public and private, so many people find this option the most versatile.