My First Boise Idaho Home loan

How many people are living beyond their means?  How close are people to filing bankruptcy? Far too many are just a paycheck away. 

According to Dr. Thomas Stanley, the author of “Stop Acting Rich,” most millionaires are millionaires because they live frugal lives. They have been saving money their entire lives.   The majority of millionaires don’t live in million-dollar homes or drive top-of-the-line luxury cars. 

Any idiot can spend money.   It takes planning and discipline to save for the future.

How will the epitaph of a wasteful person read? “Here lies someone who drove a “Beamer” and lived in a house much bigger than he (or she) really needed.”  Nobody cares what you drive or where you live. 

Being in the mortgage business, I see quite a few credit reports.  Many young people have account after account from stores like Pottery Barn, Macy’s, as well as several jewelry stores.  It’s all about the “bling.”  How much is enough?

If we don’t know how to budget, how can our children learn? We have become a “credit-card” nation, and this vicious cycle must stop NOW!

Show me a household that is upside down and I will show you a family without a budget.  Everyone should have six months’ cash reserves to get them through the tough times and hold them over until another job can be found.

When a family spends their hard-earned money on non-essential items (i.e. junk), it is no wonder the mortgage payment comes up short. 

Take control, set a budget, and get rid of those accounts that mean NOTHING!

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

Plurk This Post Buzz This Post Delicious Digg This Post Facebook MySpace Ping This Post Reddit Stumble This Post

 Obama Sets Dec. 1 Troop Deadline-read more about this article at NPR

Home sales may have risen in October, but this ought to damp any celebration: The proportion of U.S. homeowners who owe more than their homes are worth rose to 23 percent. With nearly 10.7 million households having negative equity in their homes in the third quarter, a sustained housing recovery is unlikely. Economists from J.P. Morgan Chase said on Monday that they don’t expect the housing market to bottom out until 2011.

 1 in 4 Borrowers Under Water-Read more about this article at The Wallstreet Journal

Something for the banks to give thanks for: Bloomberg reports that the Federal Reserve has asked Bank of America and eight other banks to give plans including timetables for the repayment of TARP funds. It’s a sign that that the banks have been able to raise equity and exceed the capital buffers set for them in the stress tests. The nine banks that have yet to pay back TARP funds, which also include Citigroup and Wells Fargo, received about $142 billion in bailout money.

For more news fro  The Daily Beast    please check

Here are some more posts like this one

• The “New” Home Buyer Tax credit For Boise Idaho
• Boise Idaho First Time Home Buyers Mortgage Loan Application
• No HVCC for Boise Idaho First Time Home Buyers
• Boise First Time Home Buyers Leverage Tax Credit
• Boise Idaho Home Buyers Free Credit Report
• 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

Plurk This Post Buzz This Post Delicious Digg This Post Facebook MySpace Ping This Post Reddit Stumble This Post

In today’ uncertain economy, many segments of our Treasure Valley population are going without.  Being involved with fundraising and giving to charities is a great way to show support for the Boise community and help individuals who need it most. The post is designed to be a local resource for Boise residents to share with others and promote goodwill.

Treasure Valley Charitable Events

• The American Red Cross          208-947-4357           DONATE
• Boise Rescue Mission              208-343-2389          DONATE
• Boise River Volunteers              208-724-8842  
• Chrysalis Women’s Transitional Living       208- 424-1323             DONATE
• Make-A _Wish Fondation          208-342-8982             DONATE
• Saint Alphonsus Festival of Trees    208-367-2759
• The Arc                 208- 343-5583                                                 DONATE
• The Idaho Foodbank          208-336-9643        DONATE
• Women’s and Children’s Alliance    208-343-3688  Facebook  Twitter    DONATE

Here some organiztions the can raise money for the mentioned Charities

• Boise’s Best Fundraising                 208-484-7861
• Project KOPEG             208-340-0333
• Susan G Komen Race for the Cure              208-484-0013

Please take a moment to visit these orgaizations and also suggest others that are not on the list.

Also, here is a link to IRS forms and other information  for giving to your local charity. 

Complete the form below and I will add the organization.   Thank you!

cforms contact form by delicious:days

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

Plurk This Post Buzz This Post Delicious Digg This Post Facebook MySpace Ping This Post Reddit Stumble This Post

Having an updated list of title companies can sure come in handy!  I have compiled a current list of title and escrow companies in the Treasure Valley area.  Please print this out and share this link with your business contacts.  If there is a company or location that I have missed, please add it in the form at the bottom of this post.  Thank you!

Ada County (area Code 208)

    Boise

•       Title One Title & Esscrow –  River Street 424-8511
•       Fidelity Title
•       Stewart Title - 9196 W Emerald St.-  373-0009 7 913 W River St
•       Lawyers Title
•       Pioneer Title  – 703 Americana Blvd  -373-3744 & 8151 W Rifleman   -  377-2700
•      Alliance Title -  250 S. 5th Street   -  208-947-9100
•       First American Title - 9465 W Emerald   208-375-0700

   Meridian

•            Title One Title & Esscrow -     1940 S. Bonito Way    -   493-6350
•            Pioneer Title -     1872 S. Eagle Road     888-7230
•            Alliance Title    -  2965 E Tarpon Dr #180   846-8558

    Eagle

•          Stewart Title-  923 S. Bridgeway Place    938-6036
•          Pioneer Title     775 S. Rivershore   98-8075
•          First American Title  -  738 S Bridgeway 938-6740
•          Alliance Title    -   439 E. Shore Dr.    287-5154 

Canyon County (area Code 208)

      Nampa

•        Title One Title & Esscrow-  170 2nd St  249-3999 &  5660 E. Franklin Rd  475-1155
•        Stewart Title  -  1014 W. Hemingway Blvd    442-0009
•        Pioneer Title -     100 10th Avenue South   466-6100
•       Alliance Title  -   1008 W. Sanetta Street    -  465-6600
  

     Caldwell

•           Title One Title & Esscrow  -    904 Dearborn Street  649-1001
•           Pioneer Title   -    610 S. Kimball Ave   459-1651

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

Idaho First Time Home Buyer Instant Gratification

Request for No Obligation Boise Home loan Analysis

Plurk This Post Buzz This Post Delicious Digg This Post Facebook MySpace Ping This Post Reddit Stumble This Post

Thank you for requesting a Idaho Home Buyer Handbook.  I will have a E-copy to you within 24 hours and a hard copy within 3 days.  Also, be sure to include other interests you have and that information will be included.   Please let me know which method is best!  Thank you

cforms contact form by delicious:days

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

Idaho First Time Home Buyer Instant Gratification

Request for No Obligation Boise Home loan Analysis

Plurk This Post Buzz This Post Delicious Digg This Post Facebook MySpace Ping This Post Reddit Stumble This Post