At McCall Homes, we believe that home isn’t just a place—it’s a feeling. It’s where memories are made, where you grow roots and where your story unfolds. As a family-owned builder rooted in Montana, we’ve had the privilege of helping families find that feeling for decades. But when it comes to deciding whether to rent or own a home, we’ve seen a lot of myths get in the way of what could be the best move of your life.

So let’s talk about it—honestly. If you’re weighing your options, here are a few common myths we hear all the time, and why homeownership (especially in a brand-new McCall home) might be more possible than you think.

Myth #1: "Renting is cheaper than owning."

At first glance, renting might seem like the more affordable option. But the truth is, rent payments add up—without building any equity in return. Plus, with rental prices continuing to rise in places like Billings, Helena and Missoula, what seems cheaper in the short term can end up costing more over time.

With homeownership, your monthly payment goes toward something that’s truly yours. Plus, with options like fixed-rate mortgages, you can lock in your payments—no surprise rent hikes here. And right now, McCall Homes is offering special incentives and affordable financing options that make owning our new homes in Montana even more achievable.

Myth #2: "I need a huge down payment to buy a home."

This is one of the biggest myths we hear—and one that keeps too many people stuck in the rental cycle. While 20% down used to be the standard, today there are many loan programs that allow for much lower down payments. In some cases, it could be as little as 3% or even 0% for qualified buyers.

Our team works closely with trusted lenders who specialize in helping first-time homebuyers and families like yours find the best path to ownership. We’re here to guide you every step of the way—no guesswork, just support.

Myth #3: "Owning a home is too much work."

Yes, owning a home comes with responsibility. But it also comes with freedom. No more asking your landlord if you can hang pictures on the wall, paint a bedroom or get that dog you’ve always wanted. Your home is yours to shape, grow in and make your own.

Plus, when you own a new home, like those we build at McCall, you can say goodbye to constant repairs or outdated systems. Our new homes in Billings, Helena and Missoula are designed with energy efficiency, modern materials and thoughtful design in mind—so you spend less time fixing, and more time living.

Myth #4: "It’s safer to keep renting until I’m 100% ready."

Here’s the truth: no one ever feels completely ready for anything life-changing. But if owning a home is part of your long-term vision, then getting started sooner can actually help you get ahead. With every mortgage payment, you’re building equity. With every year, your investment grows. Owning a home is a stepping stone toward stability, independence and future opportunities.

And at McCall Homes, we don’t just build houses—we build communities where people support one another, share front porch conversations and build lasting connections. If you’re ready to stop renting and start investing in your future, we’re here to help you take that step.

Ready to Break the Cycle?

We get it—making the leap from renting to owning can feel overwhelming, but you don’t have to do it alone. Our team at McCall Homes is here to listen, support and walk alongside you with full transparency. We’ve helped hundreds of Montana families just like yours say goodbye to rent and hello to a home that truly fits. When you’re ready, let’s build something beautiful—together. To learn more about our new construction homes in Montana, give us a call at (406) 651-5354 or fill out our online form.