Welcome to My First Boise Home Mortgage!

Your Boise mortgage resource for first time home buyers.

Our goal is to provide fast and accurate information to Boise & Treasure Valley First Time Home Buyers and Realtors, and offer guidance when necessary when pursuing home loans.

Who is Qualified for a Idaho Mortgage

Home buyer qualifications

Idaho Mortgage qualifications   Before getting too excited about purchasing a new home, take the time to make sure you are qualified for a Idaho mortgage loan. Home buyers are still committing themselves to a Idaho real estate contract before they have had their qualifications reviewed by a local Idaho home loan consultant.  Idaho mortgage guidelines a constantly changing.  Home … [Read more...]

Boise Idaho: If you don’t eat yer meat, you can’t have any pudding?

Boise Idaho

“How can you have any pudding if you don't eat yer’ meat?" (Pink Floyd).   It seems, these days, most people don’t want to eat their meat and just go straight for the pudding.  Everybody wants a “short cut” and nobody is willing to put in the time and sacrifice.  From dieting to spending habits, quick fixes are not the answer. We continue to eat anything and everything, and at the … [Read more...]

Credit Report for Boise First Home Time Buyer

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Boise Idaho First Time Home Buyers definitely need to be very well acquainted with their residential credit report. Ordering your first credit report is a great first step.  Knowing what is on your credit report way in advance, is a great way for Boise First Time Home Buyers to take control of their financial future and be proactive. There are 3 different ways to get started. Print out … [Read more...]

OOPS! I Just Ate My Mortgage Payment

Idaho mortgage budget

Is there is any correlation between the percent of people who are late on their mortgage payments and the amount of calories consumed? When a homeowner has problems making their mortgage payment at the end of a month, how short are they? Do they not have any money for the payment? Or is the struggling homeowner coming up just a few hundred short. With a mortgage payment of $1000, for example, … [Read more...]

Boise Renters Tip #4 Household Services

Home at last!  Now that you have moved into your new Boise Idaho digs, you will need to keep your castle in tip top shape.  When it comes to maintaining your property, it really make sense to use local Boise businesses that have a local reputation.  Using any of these companies will be a good choice. Carpet and House Cleaning Services Matt Orem  with Maid Brigade  … [Read more...]

Moving to Boise Tip #5 House Hold Services

Welcome to your Boise Idaho  home!   Once your have been in the City of Trees for awhile and are now all settled in,  it is time for some house hold chores and a little upkeep.   The Boise companies that I list on the directories are all local Treasure Valley businesses.   Many have been in their profession for years and understand the value of new relationships.  Every company … [Read more...]

Boise Idaho School District

Boise Idaho school District

Welcome to the Boise School District. Here you will find outstanding schools in a district on the leading edge of education. We serve 25,000 students and employ 3,900 people, of whom 1,700 are certified staff. Our purpose statement of Educating Today for a Better Tomorrow symbolizes our commitment to provide the finest education possible for every student. The Independent Boise School … [Read more...]

Boise Idaho Outdoor Directory

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What wonderful place Boise Idaho is!   There are so many things a person can do year-around.   The Treasure Valley of Southwest Idaho offers a huge variety of outdoor activities.  Ranging from the high desert to the south or the vast Frank Church wilderness area to the north.    Boise has that plus everything in between.         Biking George's Cycle   … [Read more...]

Seven New Rules for the First-Time Home Buyer

Idaho mortgage rates

Too many people bought too much house for too many years. Yes, the financial system almost collapsed because mortgage bankers and brokers told lies about loan terms and loosened standards in dangerous ways, and investment bankers packaged those loans into bonds that were far more toxic than ratings agencies predicted. But the roots of the mortgage contagion lie with all of us and our desire … [Read more...]

All About Guild Mortgage in Boise Idaho

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Guild Mortgage Company is the leading privately-held mortgage company in the Western United States. We have lived, experienced, and proved our commitment to our customers and employees for more than forty years, through all kinds of markets, by creating partnerships for lasting success. We pair the resources of large companies with the accessibility and soul of a small company, to serve our … [Read more...]

Boise Home Buyers Calculating their First Mortgage Payment

 Boise first time home buyers need to take control the their mortgage loan process and completely understand how the total mortgage payment is calculated.  Most First Time Buyer loans payments are made up of 4 numbers that make up the total payment.   1. Principal & Interest is calculated by using the mortgage calculator.  Enter you estimated loan amount and rate. Check … [Read more...]

Moving to Boise Tip #2 Relocation Experts

moving to Boise Idaho

After looking all over the internet for a great place to move, you chose Boise Idaho to be your home.   The next logical step would contacting a Boise resident who happens to be a relocation specialist.   In my opinion, I would much rather prefer talking with a local resident who really knows the "lay-of-the land".   Someone knows the Treasure Valley and has their "boots on the ground".  … [Read more...]

Is Your Receptionist a “Wee-otch”?

Who answers your phone every day?  Who greets your customers that walk through the door? Are they “Sweet” or “Sour”?   How much do you pay for the most important position in your company? The daily disposition of the person who is first to interact with YOUR customers is critical to a company’s survival. If you are a business owner who thinks you can “save-a-buck” by … [Read more...]

Boise Idaho, Your Loan is Approved! Maybe Not?

It is pretty exciting news for first time home buyers when your loan officer calls to say, YOU ARE APPROVED!  That is great news!  Hold on, not so fast!  Maybe not?   If a home buyer is applying for a conventional loan with less than 20% down, private mortgage insurance approval is necessary.     Potential home buyers and Realtors, need to know that just because the lender has issued a … [Read more...]

Is Idaho Ready for Stated Income Mortgage?

Idaho stated income mortgage

 Idaho Mortgage Stated Income Loan resurgence?  Stated income mortgages? That is crazy talk.  That is what got us in this real estate mess to begin with, some would say.  Why would anyone even consider such a thing?  Some banks evidently are.  Recently I have been receiving more and more emails from various banks promoting their stated income loans.  Currently these are pretty … [Read more...]

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