Your Boise mortgage resource for first time home buyers.
Congratulations! Idaho Housing Authority named Guild Mortgage of Boise Idaho the number one lender in the third quarter. That is quite and statement and should give any Realtor or potential home buyer another great reason to consider Guild Mortgage Idaho for their next purchase transaction.
These days in the real estate world, home loans have become a challenging undertaking. That is why it is so important to establish a lasting relationship with a professional lending institution, such as Guild.
Below is a list of other qualities to consider when looking for your next lender:
- In house underwriting, processing, and funding.-Lenders that 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 Idaho 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 Boise loan documents, Guild Mortgage’s in-house doc department can re-draw instantly. Most Idaho 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 Idaho 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 Idaho home loans.
- $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 Boise Idaho 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.
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
This is important as IHA has some fabulous programs. Onceyou havea good lender to put these loans through, the rest is easy, besides moving!!
The timely and professional delivery of the buyer’s loan documents to the escrow closer can be a critical factor in the loan process because only until that happens do you get to move in to your new place!