My First Boise Idaho Home loan

 

Here are a few kind words from some of my past clients!

 

 

I purchased my last home 2 years ago in May. I was referred to our loan officer Craig Ballhagen through my father, Mike McLaughlin. I knew that if my Dad was willing to refer Craig, that he had already been through a thorough battery of questions and interrogations regarding his personal and professional integrity. It had also helped that I had already become aquainted with Craig as he had made many trips to our home to assist my parents in obtaining the correct paperwork and signatures for their loan.

Craig is a fantastic loan officer and I would highly recommend anyone considering his services to do so. He makes a process that can sometimes be filled with stress and anxiety look like a walk in the park.

Thanks again Craig,
Chad and Kristi Olson

 

I would just like to let any first time home buyers who may be reading this blog and thinking about taking the step to home ownership know that you certainly want Craig by your side. Craig was recommended to my wife and I by a co-worker who had worked with Craig in the past. A year prior to meeting with Craig we had met with another mortgage broker and were so put off by his pushy approach that we stop the whole process dead in its tracks. This year when we decided we want to take advantage of the tax credit and were ready to start looking at houses again the first thing we did was meet with Craig. What a change from our first experience! Craig really knows what he is talking about and we felt he genuinely had our best interests at heart, he listened to what we wanted to achieve in home ownership and he made it happen. Craig stayed in close contact with us all the home searching and when we found the home of our dreams in short sale Craig and the Guild team were extremely fast in putting everything together and were able to respond to the previous loan holders requests in most cases on the same day.

The result was a closing on a short sale home in almost half the time others were taking and the help we had along the way from Craig outstanding. I would recommend Craig and the Guild team to my closest friends and family, and have.

Thank you Craig!

Matt Forrester-Meridian

Realtor Liz Hosbein 208-921-2679

 

I highly recommend Guild Mortgage and Craig Ballhagen in particular. We were trying to get a home loan through a local bank and were told one hour before our scheduled closing that they were not going to fund. We had a “Plan B” so we signed the papers anyway but it was only a temporary fix. Our realtor mentioned Craig Ballhagen as someone who could help us. He was able to pick up the broken pieces and put together a refinance loan package in just over four weeks. He helped us get ready for a new appraisal, met with us to go over details of the process and called numerous times throughout to make sure we were confortable and that we got through all the hoops. We got the loan and are in our new home. I’ve recommended Craig and Guild Mortgate to two friends since our very positive experience just two weeks ago.

 Thank you, Craig.

Edward Bottom-Dept of Fish and Game

Realtor Mary-Edith Hill 208-344-0663

 

Craig Ballhagen of Guild Mortgage and his entire TEAM worked hard, fast, and furiously to help my disabled Mother refinance her home so she could manage her mortgage payments. Guild Mortgage works hard to help the average American pursue their dreams of owning a home! The Classic American Dream!!!!

Cindy Gallup-Nampa

 

 

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

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

  Boise’s next generation of first time home buyers must step up and take control of their home loan process and take responsibility for the documents they are signing.  Remember you are borrowing hundred’s of thousands of dollars and required to pay it all back.

  Take the time to gather the information about the loan process and examine ALL of YOUR loan documents. 

 It is the loan officer’s duty to explain everything to all first time home buyers.   If your loan officer doesn’t look out for you, no one else will, until it is too late.   TAKE CONTROL!

 Here are a few things to keep in mind when purchasing your first Boise Idaho home

1. Make sure you have complete underwriter pre-approval, not just pre-qualified.  In today’s fast moving purchase  transactions, buyers need to be completely ready to go.
2. Obtain a full credit report with all 3 bureaus
3. Insist on a Good Faith Estimate upfront.  A GFE has complete breakdown of all of the costs and down payment associated with the loan process.
4. Print out your own loan application and fill it out.  It will only take you 20 to 30 minutes.  That gives YOUcontrol.  Remember the HUGE COMMENTMENT you are about to make.  Take the time to do it RIGHT!
5. Do not do any unnecessary spending or obtain new credit. .
6. I would recommend attending the Idaho Housing Authority First Time Home Buyer Class located at 5th and Myrtle.  
7. Make sure your first time buyer home loan is processed  and underwritten locally here in Boise and your loan consultant is able to meet with you face to face at anytime if necessary.   If your loan consultant is out of state, are your best interests a top priority?

Other Post 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 Home loans – Boise Idaho – Craig Ballhagen 208-713-3309                                                        

Boise First Time Home Buyer Instant Gratification

Request for No Obligation Home Buyer Analysis

To learn more about Guild Mortgage and myself please visit my other site.

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

The uniform residential mortgage Boise home loan application is the most important first step to home ownership.  It is critical that the application be completed with accurate, verifiable information.  

 The accuracy of this document will set the pace for the entire Boise loan approval process.   The data that is provided, is what the Boise loan officer will be  using for automated Idaho loan approval, ordering credit,etc.  If the data cannot be verified or the data changes, your initial Boise loan approval may be void.

It is in the best interests of a Idaho first time home buyer to take a few minutes and become more familiar with the Boise home loan application.  Remember, you will be committing to borrower $50,000 to $400,000 for 30 years and agree to pay it back.  It is worth to take the time and Take Control of Your First Idaho Home Loan!

I would strongly recommend that a  Idaho First Time Home Buyer, print out a copy and hand write the application.  There are only 4 pages to the application and should only take 20 or 30 minutes to complete. 

After you have completed the Boise home loan application make a copy for your files.  Use  your copy to compare to the upfront disclosures that you will receive within 72 hours after application.   

Idaho first time home buyer loan application .  Please click on the PDF and down load the application and Fax Cover Sheet.  Please fax t 208-489-2809 or scan and email to CBallhagen@GuildMortgage.net .

Please call my cell if you have any questions about the Boise home loan application or process.   208-713-3309   Thank you

Please visit my $8,000 tax credit blog. 

Other post like this one-

• The “New” Home Buyer Tax credit For Boise Idaho
• No HVCC for Boise Idaho First Time Home Buyers
• Boise First Time Home Buyers Leverage Tax Credit
• Boise Idaho Home Buyers Free Credit Report
• Boise Home Buyers and Upfront Loan Disclosures
• Private Mortgage Insurance Really Stinks!

    To learn more about Guild Mortgage and myself please visit my other site.

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

Most Boise Idaho first time home buyers focus only on “what is the rate”?  When the most important question is “WHERE ARE MY BOISE HOME LOANS BEING PROCESSED?”   The interest rate is very important, but where the mortgage loans are underwritten and funded is primary.

IF YOUR IDAHO FIRST  TIME HOME BUYERS  LOANS CAN’T BE CLOSED ON TIME OR CLOSED AT ALL, THE RATE MEANS NOTHING!

Guild Mortgage is located near the intersection of Chinden and Cloverdale here in Boise.  All Idaho first time home buyer loans are processed, underwritten, and funded all in our Boise Idaho location.  If necessary, a first time home buyer can contact our underwriter and even meet face-to-face.

 This is a HUGE ADVANTAGE for Idaho first time home buyers.  You will know exactly where your Boise loan is in the process at all times…never leaving you in the dark. 

The “In House Process”  is the key to ensuring a Boise Idaho First Time Home Buyer’s file will be closing on time every time. 

 Many other mortgage Boise lenders have their files underwritten in a centralized processing center (some large city out of Idaho). Out-of-state processing will take weeks instead of days.   An Idaho First time home buyer looses all control.

Guild Mortgage offers all types of Idaho First Time buyer home loans. There are basically 2 types of Boise home loans available to the consumer: Government and conventional. Most of the time a Idaho First Time Home Buyer will have a FHA (Federal Housing Administration) loan.  FHA mortage loan allows buyers to put down the minimum amount, 3.5%, which can be “Gifted” by a family member.  All of the mortgage Boise loan closing costs can be paid by the seller (6% of the purchase price). 

The required 3.5% can also be financed with a small second mortgage loan (the 1st mortgage is the FHA loan) through Idaho Housing Authority.

BOISE IDAHO FIRST TIME HOME BUYERS-TAKE CONTROL OF YOUR BOISE HOME LOAN PROCESS!

Other 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!

To learn more about Guild Mortgage Home Loans and myself please visit my other site.

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