My First Boise Idaho Home Loan – Boise Mortgage Loans

Real Estate looks a little different today than it did 5 years ago. We’ve seen some good times and we’ve seen some not so good times in real estate but the name of the game is adapting. We can all say we specialize in something but what we need to specialize in is what our clients and prospective clients need. And when I say specialize I mean be proficient, very proficient.

In the boom years I primarily worked with buyers, that was where the demand was. As we started to see housing bust around the country and then into our Valley in force in ’07 helping folks avoid foreclosure became a real focal point. I recognized the need that was coming and started to gear up for short sales; I went straight to the bank and got their playbook – seriously… Quality of service has always been my focus. While I overhear conversations boasting of gross sales, etc. I make it my goal to have the highest close ratios for my sellers and the best possible service to my clients.

Given that short sales are still here 3 years after the first big push of the bust and that they are here to stay for a while longer the agent you work with must be proficient in them if you want a legitimate shot at selling so you can avoid foreclosure or if you are buying to take advantage of the correcting values of real estate. Better than proficient, I would want to be working with an broker that had the banks playbook. Let me know how I can help you….

 Please Download my Short Sale Buyer Guide

John’s  Boise Idaho Short Sales link to Facebook

John Boles

Associate Broker, GRI

208.830.6185

208.562.1582 (fax)

Jon Gosche Real Estate

www.BoiseRealtyStore.com        www.BolesBoiseRealEstate.com  Boise Realty Store Blog

johnboles@boiserealtystore.com

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Craig Ballhagen-Guild Mortgage,-Boise-208-713-3309-

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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.  

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.

Here are a few of my other posts

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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

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What have you been hearing about the Real Estate Market?

 Dear Past, Present and Future clients, Wow, we’ve made it through one of the toughest years in Real Estate history. While many local businesses felt the effect of the economic downturn I am blessed to say, my business held strong. But that was not without advanced effort. Yes, this meant working harder and smarter than ever before, and of course keeping true to my day to day philosophy of “Accountability through Service”. So, I say Thank You to my clients who allowed me to work closely with them and weather this tough market together. I have a lot of people asking me “So, how is the Real Estate Market now?”.In one word STABLE According to the “Normalcy” report, which is a Boise area specific, data-driven publication, our market is set for recovery. Several factors are considered in the report such as: Inventory of houses on the market, Population level, Employment, Mortgage interest rates, New home permits, Home sales and Consumer confidence among other things. All of these areas are showing stabilization with some growth projected. So, what does this mean for the Real Estate Buyer and Seller? To the seller I say, houses ARE selling! It is and always has been impacted by 3 things; Price, Presentation and Promotion, so make sure you have an agent who fully grasps how to market and advertise effectively. Here are just a few of the services I offer my seller:

• Present you with a clear, detailed marketing plan
• Professional Staging for aesthetic enhancement
• Bi-Weekly client meetings so you can SEE the effectiveness of my programs
• Social Marketing using Facebook, Twitter etc.
• Hand-to-Hand combat (ask me about this!)
• Virtual Tour by a Professional Photographer

To the Buyer I say, now is a great time to buy! Especially with the Tax Credits now being issued by the Federal Government. For instance, did you know that a first time home buyer is eligible for a tax credit of up to $8,000? Most of you did. But, did you know that now Credits are being issued for buyers who don’t qualify at a ‘first time home buyer’ in amounts up to $6,500! I would love the opportunity to have a detailed discussion of the very best options available to you. If you are looking to buy or sell a home in 2010 please interview me! Allow me to show you what I do different and how I can help you make educated decisions. Please browse this site. Here I’ve set up the ability to search the MLS at your convenience. You can save searches and even request to have new listings emailed to you daily! You’ll be on the pulse of the real estate activity so you can be the first to hear when you dream home is on the market! Please see the “testimonials” tab above to see comments from my past clients. You’ll understand that my commitment isn’t just to satisfy my clients, but to blow them away!

YOU CHOOSE HOW WE GIVE!

My team and I have lofty goals of giving in 2010 and you are a big part of that. When you buy or sell a home, we will donate $75.00 to the Non-profit organization of your choice. Unsure of where to give? We have our favorite local charities from which to choose. We’ll give in your name, and you’ll know that you’ve just contributed to a well deserving organization.

Angilene Cowles -  208-703-7253  www.myidahoresource.com

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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

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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
• Pioneer Title -   5680 East Franklin Rd., Suite 150 (The Idaho Center) 465-6655
• 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

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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

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