For a Boise Idaho first time home buyer, a new home purchase can be a one of the biggest decisons  they will ever make.  Working with the right industry expert is the key to a smooth transaction.   A professional Realtor can anticipate and avoid many issues that someone with less experience could easily miss.

Here is a list of Boise Idaho first Time Home Buyer's agents in the Boise/Treasure Valley area that I have worked with in the past.  They have demonstrate their expertise and professional abilities time after time. 

• Greg Jensen – Prudential Jensen Real Estate - 208-250-2255
• Liz Hosbein – Homes of Idaho -208-921-2679
• Pam Jabs - Group One Boise – 208-484-9234
• Aaron Catt - O-2 Marketing Group- Boise – 208-724-7602
• Mary Edith Hill – Hill Real Estate Agency – 208-344-0663  Mary-Edith@mindspring.com

Please give them a call. 

Guild Mortgage – Boise Home loans – Craig Ballhagen 208-713-3309

Idaho First Time Home Buyer Instant Gratification

Request for No Obligation Boise Home loan Analysis

Do you have some questions about purchasing a new Boise Idaho home.  Go ahead and give me a call anytime between the hours of 8:30 am to 5:30 pm (mountain standard time) and I will be glad to answer all of your questions.  Many Idaho first time home buyers have concerns about the Boise home loan process, but do not feel comfortable with filling out an Idaho home loan application or emailing away their personal data, just to wait for a week or have the fear of being stalked.     Boise Idaho Home buyers want their questions answered, NOW, without commitment.

My cell phone is 208-713-3309.  You will not put be on hold and I will answer your call everytime.  Please put me to the test.

Guild Mortgage – Idaho and Boise area – Craig Ballhagen 208-713-3309

 Boise Idaho Home Buyer Instant Gratification

Request for No Obligation Boise Idaho Home Buyer Analysis

Greg is an experienced broker in Boise, licensed since 1980. He has consistently maintained a multi-million sales volume annually and excels in client communication using the latest technology available.

Since 1946 providing exceptional service in the Treasure Valley and surrounding areas, Prudential Real Estate represents the fulfillment of an ongoing commitment to excellence in real estate.

We offer an experienced sales staff that is among the best in the local real estate industry. Our agents strive to be among the most productive and highly qualified realtors in Idaho.

Our mission is to excel in providing convenient, knowledgeable, full-service real estate assistance while contributing to the growing quality of life in our area and community.

Prudential Jensen RE
219 N 27th Street
Boise, Idaho, 83702
P:   208.344.0200         F: 208.344.8187   C: 208-250-2255
Thanks Greg!

Guild Mortgage – Boise Home loans – Craig Ballhagen        208-713-3309                 

Idaho First Time Home Buyer Instant Gratification

Request for No Obligation Boise Home loan Analysis

We have heard of all of the havoc that the HVCC system has unleashed.  How many transactions have been canceled due to appraisers from out-of-the-area who don't know a particular Boise Idaho neighborhood?  I am sure the horror stories are endless.  Realtors don't know who the appraiser is or how long it will take.  How unnerving is that?

How about some good news for Idaho first time buyers in the Boise/Treasure Valley area who are pursuing Boise home loans.   Most purchase transactions are properties priced between 100 and 200k and those clients are usually Idaho first time home buyers.  Almost all of these buyers apply for FHA home loans.  Boise Loan officers, at Guild Mortgage, have the ability and privilege of ordering their FHA appraisals from appraisers of their choice.  That's right, Guild Mortgage, does NOT have to "stand in line" and order FHA appraisals from a long list of appraisers covering all of southwest Idaho.  Guild has a very short list of FHA appraisers to choose from.  Idaho first time home buyers who don't use Guild Mortgage may be doing themselves a disservice.

 If a Realtor is not working with Guild Mortgage, they should be.

All of the other HVCC guidelines apply to the transaction, except who we order  from.  Having this advantage is huge.  Guild has much more control and can have a finished appraisal in our office within a week.  Real estate agents, can your current lender make this claim?

Guild Mortgage also offers

• In house underwriting, processing, and funding.-Boise Lenders who have their Boise home loans underwritten out-of-town lose much control and have a much greater challenge delivering time line expectations.
• Instant access to seasoned underwriters.  This give Realtors that ability to ask an Boise loan officer a particular question about a potential Boise home buyer and get an answer instantly without having to officially submit a Boise loan.
• Re-draw closing documents in 15 minutes, yes 15 minutes.  If there is ever a mistake (misspelled name, for example) with the final loan documents, Guild's in-house doc department can re-draw instantly.  Most lenders need at least 24 to 48 hours.
• Platinum mortgage insurance rating allows Guild Mortgage to lend on second homes with 10% down, 5% down on conventional Boise loans and other special loan to value advantages.  Many Boise lenders do not have this rating.
• Idaho Housing One Day in-house approval- Currently brokers with Idaho Housing buyers, have to wait 3 to 4 weeks for IHA approval for their Boise home loans.
• Idaho $8,000 First Time Home Buyers Tax Credit Program-Not every lender can offer this program.  Check with Idaho Housing for the list of approved lenders.

The most recent challenges that home buyers, Realtors and lenders have to deal with are ever changing.  Now more then ever, Realtors need to know the abilities of their lender.  If their current lender is not truly FULL SERVICE, a switch needs to made to Guild Mortgage.

Other post like this one-

• The “New” Home Buyer Tax credit For Boise Idaho
• Boise Idaho First Time Home Buyers Mortgage Loan Application
• Boise First Time Home Buyers Leverage Tax Credit
• Boise Idaho Home Buyers Free Credit Report
• Boise Home Buyers and Upfront Loan Disclosures
• Private Mortgage Insurance Really Stinks!

Guild Mortgage – Boise Home loans – Craig Ballhagen 208-713-3309

Idaho First Time Home Buyer Instant Gratification

Request for No Obligation Boise Home loan Analysis

When will people learn?  Home buyers are still attempting NOT to use a professional Realtor and home inspector.  What are they thinking?

Using these professional services will save you much more money then trying to go it alone.  The stories about home buyers not using a home inspector are endless.  How much is a home inspection these days?  $250. – $500? 

Recently a friend of mine took the sellers word that the property was in great shape and there is not water in the crawl space.   Guess what, there was water in the crawl space and the repair cost was well over $3500.00.  So much for saving a buck.  In the real estate world, these instances are for too numerous.  

Use an Idaho Professional Realtor

Now for those home shoppers that think they can find a “great deal” on their own.  You will most likely loose every time.  When a buyer doesn’t have a Realtor in their corner, they will have no one else to blame but themselves when everything falls apart.  Not to mention the details that were over looked due to in experience.  When a buyer goes it alone, they need to ask themselves: how many transactions have I experienced in my life?  Probably none.   I would be nearly impossible not to make one mistake after another. 

  When a professional Realtor “has your back”, you can be assured that the agent and the company they work for is insured and will go to bat for you when the transaction falls apart. 

There are plenty of things a home buyer can save money on, just don’t make the mistake of saving a buck on a Realtor and home inspector.

Check today’s rates for Idaho First Time Home Buyers and complete an online E-application

Here are a few of my other posts

Boise Idaho, Your Loan is Approved! Maybe Not?

Tips For Boise First Time Home Buyers

The “New” Home Buyer Tax credit For Boise Idaho

Boise Idaho Home Buyers Free Credit Report

Boise First Time Home Buyers Leverage Tax Credit

Boise Idaho First Time Home Buyers Mortgage Loan Application

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Guild Mortgage – Boise Home loans – Craig Ballhagen                         208-713-3309           

Idaho First Time Home Buyer Instant Gratification

Request for No Obligation Boise Home loan Analysis