How About them Boise State Broncos! Wow, what a team.  Check out this year's Bronco football schedule. 

You know you are ready to become a Boise State fan.   Take a look at the beautiful Treasure Valley area.  What a great place to relocate or start a new business. 

If you have been on the moon for the past few years and haven't seen the Boise State Fiesta Bowl highlights, here it is.

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Private Mortgage Insurance Really Stinks!

Boise Idaho First Time Home Buyers Mortgage Loan Application

Tips For Boise First Time Home Buyers

Boise Home Buyers and Upfront Loan Disclosures

Boise Idaho Home Buyers Free Credit Report

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

Idaho First Time Home Buyer Instant GratificationRequest for No Obligation Boise Home loan Analysis

To learn more about Guild Mortgage and myself please visit my other site for a Boise mortgage

Moving to Boise was a great choice.  Now you have to figure out which Boise Idaho school district is best for you and your family.  The education system in the State of Idaho is great and a person can not go wrong with any Treasure Valley School district.  Please take sometime to research the links provided below. Welcome to your new Boise Idaho home!

• Boise School Disrict
• Meridian School District
• Nampa School District
• Caldwell School District

 Moving to Boise Tip #1           Moving Tip #2          Moving Tip #3         Moving Tip #5

I hope this post was of help

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

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 referred has an obligation to take care of their customers and deliver time and time again.  Please the consider the service experts below.

Carpet and House Cleaning Services

• Brandon Wright with Ultra Cleaning  & Restoration   208-887-4740   Twitter   Facebook
• Lucy with Lucy’s  Spotless Cleaning   209-284-9734   Boise Company

Locksmith

• Anytime Lock and Key     208-375-3120    Boise Company
• I need one more locksmith who likes to social network -thanks      

Handyman

• Doug Ploss  with Boise Handyman Service     208-859-9082  Boise Company
• Bruce Mayfield with River Valley Handyman and Construction     208-713-3126  Boise Company
• Handyman Connection  208-884-0074          Facebook

Window Cleaning

• Brian Hoyt or Beth Straker with Poor Man Window Cleaning    208-284-2401    Facebook
• Greg Reid with Sunshine Window Cleaning     208-461-9685   Boise Company   Facebook

Heating and Cooling

• Ival with Western Heating & Air Conditioning   208-375-6161       Facebook
• Ameri-Serv, Inc. Heating & Cooling –Boise call Tamara 208-34204328   Facebook  Twitter
• Martin Johncox with YMC Heating and Cooling  208-888-1727   Facebook    Twitter

Lawn Care

• Bj and Jake Wright with Wright Lawn Care  208-475-4724  Boise Company
• I need on more lawn care company that social networks

Painters

• Chris with B & K Painting  208-861-7327   Boise Company
• Steve with Clearwater Painting & Restoration  208-629-8763  Boise Company

Plummers

• Mr  Rooter Boise      208-888-1998    Twitter
• 2 Thumbs Up Plumbing and Remodeling Service contact- Joe Corcoran -208-891-1104    Facebook     Twitter

   Moving to Boise Tip #1           Moving Tip #2          Moving Tip #3      Moving Tip #4     

 Please take the time to give these local Boise companies a call- thank you

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

One of the very first things people look for when considering a move to a new area is to check out the city's statistics.   It often gives accurate indicators about what the city is all about. 

I have a borrower from Arizona, that is moving to Boise Idaho and will save so much on his insurance for his business, that it will more then pay for a new mortgage in Boise.  Statistical data is the foundation for a person's reason to relocate and begin a new life.  

I have compiled a list of cities in Idaho's Treasure Valley.  Each has a link to that cities statistics. 

• City of Boise Idaho
• City of Eagle Idaho
• City of Meridian Idaho
• City of Nampa Idaho
• City of Caldwell Idaho
• City of Kuna Idaho
• City of Emmett Idaho
• City of Mountain Home Idaho

Other Moving to Boise Tips     Moving Tip #2      Moving Tip #3     Moving Tip #4     Moving Tip #5

Please take a look and email me if you have any questions.

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

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”.  There is no way an out of town relo company will have the same ability as a “Local Ambassador” would.

When it comes time to pack up and move to Boise, it will be a great feeling to know you will have a team of professionals waiting upon your arrival.  Please take a look at the list of relocation specialist and give them a call.

• Paul Heim 208-344-5700  buyboise@gmail.com Silvercreek Realty Group-Boise
• Mike Carr 208-375-0203 mikecarr@boiserelocation.com Remax Capital City-Boise
• Rick Snyder 208-631-2754  rick@idahomesales.com Kellerv Williams-Boise
• Tracy Brown 208-794-2109 tracy@gemstatehomes.com A.V. West-Boise
• Tom Ashworth 208-830-7991 tom@tomashworthrealestate.com Group One-Boise

Moving to Boise Tip #1 Moving Tip #3 Moving Tip #4 Moving Tip #5

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

 What is the deal with property taxes.  With the declining home values, people's accessed values are also going down.   For many this is a huge relief.  

Real estate taxes for Idaho first time home buyers are paid twice a year to Ada County tax assessor and are collected in your monthly Idaho mortgage payment (if you have impounds) and held in an escrow account until the tax bill comes due. 

How can I lower my Ada County Property Taxes and what is my Boise property tax rate?

Right now many properties in Ada county are accessed 5-10% above appraised values .  If you feel your property taxes are too high, you can contact Ada County Assessor, in Boise, and petition to have your property reassessed.  If you have purchased or refinanced recently, you may be able to use that appraisal.  If not, a new one will cost $400-$500.  Give me a call and I will be glad to assist.

For Idaho first Time buyers in 2009, this will not be a problem.  The properties that are being purchase now are mostly well under the assessed values.  When a home is purchased the taxes are based on the new-lower value which in turn will drop the taxes. 

If someone purchases a rental property, there will not be a home owners exemption on that property which means the taxes will be quite a bit higher until the exemption is filed.  After that, the taxes will be reduced in the following tax year. 

Another issue that Boise home buyers need to be aware of, is that if they buy a rental and the taxes are higher, that also means that it could affect their qualifying ratios.  It could be a deal breaker.  One way to get around this is to collect extra taxes at closing which will allow the Idaho home buyer to qualify at the lower tax rate.  A Realtor should be all over this and avoid a potential disaster.   

A few more posts about an Idaho Mortgage : 

Private Mortgage Insurance Really Stinks!

Boise Idaho First Time Home Buyers Mortgage Loan Application

Tips For Boise First Time Home Buyers

Boise Home Buyers and Upfront Loan Disclosures

Boise Idaho Home Buyers Free Credit Report

Guild Mortgage Idaho– Idaho Mortgage – Craig Ballhagen 208-713-3309

Idaho First Time Home Buyer Instant Gratification

Request for No Obligation Idaho Mortgage Analysis

To learn more about Guild Mortgage and myself please visit my other site for a Boise mortgage

Craig Ballhagen-Guild Mortgage Home Loans-Boise-208-713-3309

Finally you made up your mind and decided that Boise Idaho is going to be your new home.  What a great choice.   New comers to Boise are realizing the benefits of moving to this great State of Idaho.  Cost of living is one and less money for down payments on Boise home loans are another.  Investing these savings would be a great start.  I have a list of local Boise Idaho financial planners and Boise Idaho tax consultants in the Treasure Valley.   Please give these Boise companies a call to get thing started! 

Boise Idaho Financial Planners

• Kathy Stearns – First Affirmative Financial Network       208-350-6557 Boise Company
• Dennis B. Fitzpatrick or Cody Barney with D.B. Fitzpatrick & Co Inc.   208-342-2280 Boise Company
• Carey H McNeal with Buffington Mohr McNeal   208-338-5551  Boise Company
• Josh Miles with Morgan Stanley Smith Barney  208-338-2748    Boise Company

 Boise Tax Advisors  

• Laura L Canales CPA 208-841-7010  Business nurturer, advisor and educator. 25+ years experience in accounting and tax prep. Business start-ups a specialty.  Twitter  Facebook
• Barbara McGann, CPA with MGC Financial Solutions  208-286-7279       Boise Company
• Jason Berrett with Berrett Tax and Finance Inc.  208-887-1870  Boise Company
• Lucinda L Reinke, CPA with TRAVIS -JEFFRIES, PA  208-345-5383  Boise Company
• Larry Wintersteen with Wintersteen and Associates   208-286-0849   Boise Company
• Adam Binder with Hooper Cornell P.L.L.C.    208-344-2527   Boise Company

 Moving to Boise Tip #1           Moving Tip #2         Moving Tip #4        Moving Tip #5