If youâ€™re a first time home buyer and want to work with an agent who truly enjoys working with first time home buyers, contact me to get the help you will need to purchase your first home. I enjoy working with first time home buyers and I promise to help you:
1. Get â€œpre-approvedâ€ for a home loan and provide you with other important information about the home buying process.
2. Help you find the best loan for your particular situation including one with the lowest interest rate, fees and best terms.
3. Help you find â€œyourâ€ perfect first home.
4. Help you understand home ownership topics such as the home owners exemption, insurance, homeowners associations, etcâ€¦
Mountain Realty / Every Home In Idaho
I would be more than glad to provide you with a list of homes with the criteria you have requested. You can drive by them at your convenience, check out the area and then schedule a time to look at the ones that interest you the most. The email I will send usually includes interior pictures and the type of financing the home would require to purchase. Some homes might be bank owned, some are short sale listings which require a longer time frame from making the offer to an actual closing date, some allow for first time home buyer loans and some want only conventional mortgage offers. If you are a first time home buyer, there are still many programs available to assist you in your closing costs and down payment. I can also provide you with information to help in this area as well.
It's great that you're seeking online resources to supplement your knowledge and search to find a professional.
As the agents previously noted, find a good lender you want to work with (most lenders are similarly priced rate-wise and fees) and get pre-approved.
Once you're pre-approved, you're in good shape.
Remember, if you're looking at houses that need some TLC (Tender Loving Care AKA updating or rehab), make sure you have a pre-approval that also covers rehab financing since the majority of foreclosures have sellers who'll refuse to do any work to the property (you're buying it as-is).
There are multiple types of rehab loans, read the following link if you'd like to educate yourself on them, please note, these loans can be done anywhere in the country, not just North Carolina, that's just where the poster was from:
If you have specific questions, ask here or you can email me through the website by clicking on my picture and entering a question on the right side of the screen.
Now is a GREAT time to buy your first home. Interest rates are low and because the real estate market has been depressed for the last couple of years, home prices are lower now than they have been in a long time. Here is a link to our FREE First Time Home Buyer Guide that can help you navigate the process http://www.buyandsellinidaho.com/buyersguide.cfm
There are a few homes in Meridian available in your price range right now- SEE THEM HERE http://www.buyandsellinidaho.com/searchResults.cfm.
If you consider moving a little farther out of Meridian (Kuna or Star) you may qualify for more of a home and could even get a NO DOWN PAYMENT loan!
Feel free to contact me to start you home search today!
Natalie Filbert GRI, SFR
Market Pro w/ Silvercreek Realty
Email: Alex@AlexRTrent.com Market Update: http://www.AlexsNewsLetter.com
Selling Your Home: http://www.AlexRTrent.com "Saving U Time & Money"!
"My team is totally service oriented and we would be more than glad to help. So please feel free to contact us with any questions. When you find a home you would like to view, just let us know. We'll help with the arrangements to get you inside the home at your convenience."
I can see several agents already responded with good information. If you want a friendly no pressure agent to help you find a home, or if you just want free access to some tools that will help you look better on your own, please call me or email me at a time that works best for you.
Have a great day!
Silvercreek Realty Group, LLC
ACD Real Estate Investors, LLC
(208) 866-2694 Cell
Congratulations on looking for a home to make your own. Getting pre-approved is very important in this market since you may be competing with other buyers on a particular home that have been pre-approved and ready to submit an offer. Being pre-approved will also verify the price range that you will feel comfortable looking at. Currently there are 10 houses in Ada County that fall under the $100K price range that say they would be available for FHA financing. If you can go conventional financing, there are a few others listed. 3 of these houses are in Kuna, 2 are in Star, 4 are Meridian and 1 in Boise. Some of these homes may be in need of some fix-up but if you could find one and still have room in the loan amount to do a 203K loan (which enables you to do fix-up) you could stay in Ada County. If none of these homes appealed to you, then you would need to look in the Nampa, Caldwell area which would give you quite a few additional properties to consider.
If you have any questions about any of the properties I mentioned or need the name of some lenders to talk to about pre-qualifying, please let me know. I am here to help you navigate the real estate process.
Getting preapproved is absolutely critical so that when you do find a home you like you're ready to move quickly. I tend to believe it makes more sense to start off finding a good buyer broker to work with as they will be able to suggest a number of local lenders that could assist you and it can help at times if your Realtor knows the lender and is able to pick up the phone an d speak with them if necessary during the transaction.
I've attached a link to one of the most popular blogs I've posted on Trulia on who to find a great Realtor to help you regardless of where you live. I hop you find it helpful and I wish you and yoru husband good luck and happy house hunting.
God Bless your search!
43Âº North Real Estate
How did you come up with that price range? Does that put you at a specific monthly payment that you are comfortable with?
The reason I ask is because that price range is extremely difficult to find a move-in ready home in our current market. It might benefit you to meet with a lender, if you haven't already, to get exact monthly payments on specific purchase prices.
Let me know if I can help point you in the right direction!