June 2018
Believe in Better:
The East Helena Fireworks show has been an annual spectacle ever since VFW Post 10010 began funding the project in 1957. In 2010, the VFW announced it needed to focus funds on other necessities that benefit vets. At that time, Karl Meagher founded the non-profit organization Prickly Pear Fireworks and took on the task of raising funds from community residents and businesses to keep the tradition afloat. With the help of Richard MacDonald, Meagher was able to continue the fireworks display for another seven years, raising nearly $20,000 a year to cover the rising cost of fireworks. In 2017 Meagher felt he could no longer lead the charge to raise funds and that is when Shellie, owner of Shellie's Country Café, jumped up and said, "I'm in!" Shellie and team members Dean and Aimee have set a goal of raising $35,000 for this year's Fireworks display - and anything over $35,000 will be donated directly to Helena's Veterans' Services. Mountain View Park located in the center of Mountain View Meadows subdivision on the southeast side of Helena is the best place around to view the Fireworks. To add to the community festivities, Mountain View Meadows, Opportunity Bank and Chicago Title will sponsor activities at the park for those coming out to picnic and play before the show. Starting at 6:00 PM, vendors including Cool Cat Hot Dogs, Flying Cloud Coffee, and the Missionary Mexican Food Truck will be on hand to sell a variety of fare from hot dogs, fresh chicken salad and pulled pork sandwiches to ice cream, coffee drinks, Italian sodas, tacos, burritos, enchiladas and quesadillas. And that's not all--Jump Houses with FREE JUMPING FOR KIDS will be set up featuring FIERCE T-REX and the PRINCESS CAROUSEL. Additional parking across from the park will be provided by Mountain View Meadows. Of course, the main event -- Prickly Pear Fireworks -- will put on a spectacular display starting at dark. It's not too late to lend your support. To make a donation to help fund the fireworks, visit www.helenafireworks.com or email aimeemyles23@gmail.com . You can also drop off donations at either of the Shellie Country Café locations. For additional information call Shellie at 442-0033 or Dean at 439-0489. If you believe Fireworks make for a better 4 th  of July celebration, then please donate now to keep this valuable community-wide tradition alive and well right here in our own backyard!
Building a Better Community:
Reduce, Reuse, Recycle: The 3 R's that help you, your community and the environment by saving money, energy and natural resources. Helena Recycling, LLC, a locally owned small business operating since 2009, is a curbside recycling company that provides recycling pick-up service for residential and commercial properties in the Helena area. Beginning about two and a half years ago, the City of Helena contracted with Helena Recycling to begin curbside pickup at a reduced rate for city residents. The current cost for Helena curbside recycling subsidized by the City is $8.00 per month. There are no set-up fees and bins are provided. Residents outside the city pay a one-time set up fee of $35 and then $15 per month for pick-up service. Generally, articles to be recycled include plastics 1 and 2, paper, aluminum, steel, corrugated cardboard and non-corrugated boxes like packaging and cereal boxes. But starting June 1, city residents got another benefit: Glass recycling. Pick-up is every other week and city residents are billed directly via their water bills. To join fellow recyclers in building a better community through conscientious conservation of resources and reduction of waste, sign up today for curbside pickup at www.helenarecycling.com or call 406-457-2437.
On Topic
Property taxes, homeowners insurance, interest, and HOA fees can eat up much of your monthly mortgage payment. But few of these additional costs draw as much ire from homeowners as Private Mortgage Insurance (PMI.)
What is PMI? "Here's a quick rundown," explains Julia Morrell in a June article for Apartment Therapy. "PMI is required by a lender if a borrower is unable (or unwilling) to make a 20% down payment when using a conventional mortgage to pay for a home." (The same is true for financing through the Federal Housing Administration (FHA) with some different rules.) PMI Premiums typically range from $30-$70 per month for every $100,000 borrowed. It isn't cheap.
Lenders prefer borrowers with money (equity) invested in a home who are less likely to default and they expect to be protected in case of default or foreclosure. "In short," says Morrell, "the PMI safeguards the lender - at the expense of the borrower - and it remains on the loan until the borrower's equity in the home reaches 20%. What's more, homeowners have no say in choosing the mortgage company and they can't negotiate the rate."
The flip side though is that the PMI allows homebuyers lacking sufficient down payments to take advantage of today's low mortgage rates (now hovering in the low 4% range compared to the 10%-plus rates of the 80s). And, there are ways to eliminate the PMI entirely from a mortgage payment so long as the loan is in good standing.
On a 30-year conventional loan the PMI can be eliminated entirely if it's been "seasoned" for at least 12 months and on FHA loans after five years if the loan-to-value (LTV) ratio is no higher than 80%. Unfortunately, most homeowners make the mistake of not keeping tabs on their LTV, which can be easily calculated by dividing the loan balance by the home's appraised value.
And, "Get, this," says Morrell, "Lenders aren't required by law (or more precisely, the Homeowners Protection Act ) to automatically terminate PMI on a conventional loan until the borrower's LTV reaches 78% (that's based on the original appraised value or sales price, whichever is lower). However, according to the same act, you can request, in writing, for the PMI to be removed once the LTV reaches 80%."
To illustrate what that means, let's say you purchase a home tomorrow for $215,000 and put 5% down (About $11,000) and borrow $204,000. To petition to drop the PMI at 20% equity, you'll need to pay down your principal to $164,000. At current rates, on a 30-year loan, you'll reach an LTV of 80% in about nine years. Yet, because the lender isn't required to cancel the policy until you reach an LTV of 78%, you could be making unnecessary PMI payments for nearly a year, wasting upwards of $1300 unless you request the PMI to be removed.
In any event, nine years is a long time to pay Premium Mortgage Insurance. For homeowners in search of a shortcut, Amin Taghavi, a mortgage planner at Rock Hill Financial in Narberth, Pennsylvania, has some advice.
"Do your homework," he says. "After paying the PMI for a full year, see what comparable properties are selling for in your area, and if you think your home's value has increased enough to get you to 20 percent equity, ask for a reappraisal." If you have a 15-year FHA loan, the FHA cancels your mortgage insurance as soon as you pay your debt down to 78 percent of the home's value. With a 30-year mortgage, it's tougher: You need to hit the 78 percent cutoff and also make at least five years of mortgage payments before cancellation . A year may not have garnered a 20% increase in value on your new home, but for many people who purchased homes in the past five years, market values have risen by 20% or more.
So what's the best way to eliminate your PMI? "Have an appraiser (chosen by the lender) visit your home to determine its current market value," says Taghavi. "The service costs between $450 and $600, depending on your location. Though you do have to fork up hundreds of dollars for the service, it might be worth saving what-would-be thousands of dollars in PMI over the additional years of payments that would bring you to 20% equity."
Benefits and Updates:
1. LAWN CARE OPPORTUNITIES : Got a lawn mower and weed-eater and want to make a little money this summer? We've had a few requests from homeowners who would like to hire someone for lawn care and landscape maintenance. If interested, drop by the office and give us your contact info, or post your availability on the NextDoor app. Might be a great summer job for teens--some homeowners can furnish the equipment if you throw in the brawn.
2.  BOULEVARD AND RIGHT-OF-WAY MAINTENANCE: Just a reminder that City code and CC&R's require homeowners to maintain boulevards and easements adjacent to homes. This includes boulevards on all sides of houses, not just the front. The landscaped areas that surround your home lots are considered an amenity and increase your home's value. They make your lot seem much larger and a nicely manicured boulevard and rear carriage lane landscaping create the best streetscape to show off your home.
3. BOULEVARD TREE SUCKERS: Along with pulling or spraying weeds, be sure when tending to boulevards to snip the suckers, those thin upright branches that sometimes grow along the trunks of trees. They are called suckers because they zap water and nutrients from the trees. And they look bad.

4. YOGA AVAILABLE IN MOUNTAIN VIEW PARK: Also, kids' yoga, days and times vary. Contact Christie at upagainsttheropes.com or 406-498-4109.
New Homes F or Sale: 
A choice of new homes to meet your lifestyle and budget are ready for move-in at Mountain View Meadows with more under construction. MVM now has a number of home sites that are eligible for 0% down loans. Visit our Information & Sales Office at 431 S. Alice Street to tour our right-now homes, view plans to build and check out lot maps. Realtors are always welcome . Have your own plan? Give us a call at 406-449-0800 to arrange a meeting. The availability of new homes and lots is subject to change so check back often. Below is a listing of some of the new homes ready for move-in or currently under construction. 
Antelope Trace at Mountain View Meadows
2789 Favor Loop: " The Wise". Until you see it, you won't believe the upscale feel of this 3 or 4 bedroom/2.5 bath home. It has it all -- front door sidelites, open 2-story floor to ceiling entryway with chandelier, main floor master suite, luxury bath, air conditioning, fireplace, granite countertops, stainless steel appliances, soft-close cabinets, separate dining room and front and rear covered porches.  Close to completion, now is the time to buy this brand new home and settle in for a comfortable summer just two blocks from Mountain View Park. Call 406-431-7680 for a private tour any day of the week. $349,900.

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The Uplands at Mountain View Meadows
379 Elouise Cobell: "The Elk Park".  Well under construction, this 3BD/2BA home is one of the best new plans available in The Uplands neighborhood.  With a look and feel that exceeds its 1900 S. F. floorplan, you'll fall in love with The Elk Park's tall 9' ceilings, vaulted great room and master bedroom and luxury master ensuite boasting two walk-in closets, double vanity, soaking tub, tiled shower, private water closet and natural light. The kitchen features granite countertops, stainless steel appliances, an island bar, pantry and separate dining area while a gas fireplace sets off the great room. You'll enjoy both the distant mountain views and city lights from your covered front porch and have plenty of privacy for BBQ's and entertaining on your covered rear patio. And wait till you see the huge storage closets in the bonus room over the garage! The Elk Park comes complete with air conditioning and gas hookup for those who wish to upgrade to a gas range. For a private tour, visit the MVM Information & Sales Center at 431 S. Alice St. Priced under $320,000.

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317 Elouise Cobell: "The Monida". Located in "The Uplands" neighborhood just one block south of the new BCBS headquarters, this new 2003 S.F. single-story 3BD/2BA home built by Casteel Construction features a huge open great room, kitchen island, gas fireplace and an attached 2-car garage. Homes in this new neighborhood sell fast! Call Jared Engels at Windermere Real Estate for more information. MLS#300221. $309,000.

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Aspen Park at Mountain View Meadows
2930 Big Timber Loop: "The Open Range". NEW UPSCALE CONTEMPORARY CRAFTSMAN HOME has 2748 totally finished S.F. with 2460 S.F. of single-story living and an additional 288 S.F. finished bonus space above the garage. This home features a vaulted living room, corner fireplace, raised breakfast bar, walk-in pantry, den/office, wood floors, doors and trim, granite countertops, knotty-alder soft-close cabinets, "subway" tile backsplash, separate dining, and a gorgeous master suite with double vanity, tiled shower and soaker tub. The home includes an owner's entry with bench and cubby hole shelves and central air with three separate zones. An over sized garage, stone and timber exterior features, a concrete tile roof with a 75 year warranty, HardiePlank siding, a beautiful front porch entry and a huge covered outdoor living space are among the many amenities that set this home apart. Drop by the Information & Sales Center at 431 S. Alice Street to check out this brand new 3 or 4BD/ 2.5BA home -- an unbeatable value at only $429,900! MLS#300407. Contact Anna Havranek at KellerWilliams at 406-438-1141 for a private showing. 

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2883 Alpine View Loop: BRAND NEW nearly completed single-story Sierra Custom Home. This beautiful home has 2254 finished S.F. including 4BD/2BA featuring a beautiful master suite, gas fireplace, granite countertops, 3-car garage, covered outdoor living space (front & back), HardiePlank siding, concrete tile roof, and stone and timber exterior accents. Priced at $399,900. Stop by the Information & Sales office or contact Dawn Purvis, Century 21 for more information. MLS#300186. 

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Craftsman Village at Mountain View Meadows
2876 Stacia: "The Aster". New 2BD/2BA single-story craftsman garden home featuring granite countertops, soft-close cabinets, kitchen appliances and an attached 2-car garage. Comes complete with U.G. water system, front and carriage-lane landscaping and side yard fencing. Contact Dawn Purvis, Century21, at 406-439-6380.  MLS#300112. $224,900.

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2884 Stacia: "The Yarrow". This new 3BD/1.5BA Garden Home is just getting underway! This 1223 total S. F. home features granite countertops, soft-close cabinets, laminate flooring and kitchen appliances.  Side yard fence included plus free front yard and rear carriage lane landscaping! Easy walking distance to Mountain View Park. For additional information, please stop by the MVM Information & Sales Center at 431 S. Alice St.  

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2888 Stacia: "The Aster". New 2BD/2BA single-story craftsman garden home featuring granite countertops, soft-close cabinets, kitchen appliances and an attached 2-car garage. Comes complete with U.G. water system, front and carriage-lane landscaping and side yard fencing. Contact Dawn Purvis, Century21, at 406-439-6380.  MLS#301380. $229,900.

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2811 Twilight: New 1219 S.F. duplex condo ready for move in -- Absolutely perfect for the "downsizer" or the "first time" home buyer! Condo features 2 bedrooms and 2 baths, a pocket desk, an attached 2-car garage and a covered outdoor living space. Design amenities include granite countertops, soft-close cabinets, water-resistant laminate flooring, tiled laundry and entry, and carpeted bedrooms. Electric range, refrigerator, microwave, dishwasher and garbage disposal included! Monthly condo fee is $120 and pays for sidewalk snow removal, mowing and landscaping care as well as exterior building insurance and maintenance. Priced at just $229,900. Call now! 406-449-0800. 

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2810 & 2818 Vista: Courtyard Condos. You asked for it... You got it! Now offering a brand new 1635 S.F. single-story condo plan. Not only is it bigger than our popular 1219 S.F. plan, but it comes with a rear patio/courtyard area that can be completely fenced for your personal privacy. The new 2BD or 3BD/2BA  floorplan features granite countertops, tile & laminate flooring, a vaulted master and great room, kitchen appliances, a 2-car attached garage and a flex room for hobbies, an office or 3rd Bedroom. Visit the MVM Information & Sales Center at 431 S. Alice St. for additional information. 

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Mountain View Meadows | 406-449-0800 | Info@MVMeadows.com  | http://www.MVMeadows.com
431 S. Alice Street
Helena, MT 59601
In This Issue
The Best in Our
Okay, one can't help but send kudos out to Helena Area Habitat for Humanity, Habitat construction foreman, Mark Leland, and Diamond Construction who headed up the first ever Builder Blitz at Mountain View Meadows. Habitat and Diamond Construction, supported by over 25 local businesses and tons of volunteers, successfully completed construction on one home in five days in the Craftsman Village neighborhood. Habitat hosted a BBQ on the last evening of the Blitz with neighbors coming out to meet the families working hard to own their own new homes. Congratulations to all who participated in the Blitz. You definitely earned the honor of "Best in Our Neighborhood."
Welcome to the
Sharon Huot
Has moved into her lovely single level condo built by Weatherall Builders. Enjoy!

Brett & Paulette Boutin
Are settling into their beautiful new Garden Home built by Sierra Custom Homes.

Christopher Bullard
Is a proud new owner of his Craftsman style home just minutes from Mountain View Park.

Congrat ulations! 
And Welcome to the Neighborhood!
Fun & Fitness: 
Jumping rope is great fun for kids. If you haven't used a jump rope since you were a kid, you might be surprised to know that you can burn 135 calories in just 10 minutes. Skipping with a rope around the park is probably the best way to burn calories but if you prefer to work out in your own backyard, here are some basics from Marty Winkler co-creator of RopeSport workout.
  • To find a rope that fits, place one foot in the center of the rope and lift the handles - they shouldn't go past your armpits.
  • Keep elbows close to sides as you turn the rope. The movement comes from the wrists and forearms, not the shoulders.
  • Jump 1 to 2 inches off floor, giving rope just enough space to slip under feet - only the balls of feet should touch the floor.
  • If you tire out before you finish the workout, drop the rope, but keep arms and legs going. Work up to using the rope full-time.
Having trouble coordinating your jumps with your rope? Here is an easy way to "jump rope."
  • Hold the rope as usual, about 2" off the floor. It remains in place.
  • Jump up with feet together, moving 6 inches forward over the rope.
  • On the next turn, jump back 6 inches.
  • Continue alternating, jumping back and forth in turn.
  Mark &  Rebecca
Growing a community one family at a time. That's one goal. Building a home in five days for one family, that's quite a feat! Mark and I were pleased to meet the families that will be purchasing new Garden Homes in Craftsman Village through a unique "self-help" program sponsored by Helena Area Habitat for Humanity. Although one of the homes is completed thanks to the recent Builder Blitz headed by Diamond Construction and Mark Leland of Habitat, none of the families may move into their new homes until all are completed. Families were selected through a strenuous process that began with a financial application, an interview and home visits. Since selected families both contribute to the building of their new home and assume a home mortgage, they must be willing and able to participate throughout the building process of both their new home and those of their neighbors and demonstrate the ability to take on the financial responsibilities of owning a home. We look forward to growing our community with the support of these families who welcome the opportunity to do their part in making Mountain View Meadows the best place to live in Helena.
Julie and her son, Matthew accept the keys to their new home from Jacob Kuntz, Director of Habitat for Humanity.
Kelli and her daughter, Peyton, enjoy the BBQ while sitting on the foundation to their new Primrose.
April sits on the edge of the foundation for her new home for her family which includes Hudson 9, Owen 8, and Finley age 5.
Dustin and Ace can't wait to see their new home started right on this site!
Misty and sons Christopher, Justin (Tony), and daughter, Dana are excited to get their new home started.
Patience and Parker stand in the doorway to their new Meadowrue, framed and well under construction.