The zip codes for Nampa are 83651, 83686, and 83687. The zip codes for Caldwell are 83605 and 83607. Middleton is very close to Caldwell and Nampa. Its zip code is 83644. The type of property you described could be found in any of these areas. Let me know if you need assistance. My cell number is (208)989-5777 and my email is email@example.com.... more
If the house is a HUD repo, it will be listed on their website at www.hudhomestore.com. HUD repo homes are purchased using an online auction system. If the property you are interested in is a HUD repo, it is important to find a real estate professional who is also a HUD designated bidding agent. HUD's can be great buys but the process is different than a traditional sale. Let me know if I can help. I am a HUD designated bidding broker in Idaho.
Hi Angela. We just helped a buyer purchase a home after filing Chapter 7 and short selling their prior home. They were not able to obtain their mortgage to purchase this new home until two years after their bankruptcy discharge date. Yes, both the bankruptcy and the foreclosure will most likely show up on your credit report; however, if your reason for filing bankruptcy was medical and that can be documented AND you are able to keep your payment history on time and your credit clean for the next two years, you should be able to buy another home two years from your discharge date. We have a lot of experience with this type of situation, so if you have further questions you are more than welcome to email us at "firstname.lastname@example.org" or call us at (208) 880-1455. Good luck with everything!... more
That is always a concern when considering a move. I'll share with you that Nampa and surrounding cities such as Meridian have seen significant growth in the retail arena. Home building has also begun again, and is quite strong in the area. I'll direct you to a Manpower Employment Outlook Survey for our area for details about expected job growth. http://press.manpower.com/reports/2013/healthy-job-market-expected-for-boise-city-nampa-id-msa/
Cut and paste the URL into your browser and check out their statistics. Hope this helps, and if you do decide to make the move, or would like to have home listings sent to you so that you can get a pulse on the housing market, don't hesitate to call or email and I can get that search set up for you in the MLS. My direct email is JuanitaSellsHomes@gmail.com. Best of luck in your decision to move!... more
There are three figures I like to look at to see average price.
1. The average active homes for sale in the area. This tell what homes are for sale and what the average asking price is. For this zip code from January through the end of June (2013) it is $173,685 for existing homes and new construction is $178,126.
2. The average pending price for homes being sold in the area. This tells what homes were actively for sale and then have Purchase and Sales Agreement for the area. For this zip code from January through the end of June (2013) it is $136,350 for existing homes and new construction is $188,410.
3. The average Sold price. This means it has been through the first two plus appraisal, closed and recorded with the county. For this zip code from January through the end of June (2013) it is $126,417 for existing homes and new construction is $166,109.
I am happy to explain any of these further, call me anytime at 208-965-5955.
IdaHOME Real Estate
Keller Williams Realty Boise... more
As for a short sale, its a lot like a regular sale..you've got inspection fees and the regular closing costs associated with title insurance and escrow fees. The difference is that you have a third party involved- the bank- who needs to give their approval of the offered price for the home..as they are forgiving the difference between what is currently owed on the property to them and what is being offered for the property. Short sales cost some time and patience as you're dealing with a bank and their own time schedules...also unlike a normal sale where you can negotiate the seller paying closing costs for the buyer..usually a bank will not negotiate paying for buyer closing costs.
Just a note to remember, with a short sale just like a foreclosure..you're dealing with a distressed property..use due diligence (and make sure you have an agent who does this also) to protect yourself from clouds on the title, or if the short sale property is at risk of default by the bank..make sure you know this also as once the property is in notice of default the clock starts ticking for foreclosure and auction..your agent should keep an eye on that, also if the property is no longer being used as a primary residence- is the homeown'er's exemption gone and is there additional taxes owed that are not being paid.... more
There are many rumors floating around about there being a lot of bank owned inventory that may be coming on the market. However based on information I acquire from public sources at year end and at mid-year the bank owned inventory of single family residences on 0.49 acres and less has dropped substantially as of the end of June 2012. Notices of Default for Ada & Canyon Counties have also decreased significantly. The combined total of NOD's for Ada & Canyon Counties was 289 notices for the month of October of this year compared to a high of 949 notice for March 2010. NOD's have been averaging around 372 Notice per month since October of 2011. Based on the data I obtained the end of June 2012 there was only 62.6 Days of Single Family REO Inventory (134 Units) in Canyon County and 71.1 Days (229 Units) in Ada County had all REO's been been on the market on 7-1-12 (based on previous 12 months of REO Sales). I have been tracking this trend since year end 2010. If you would like a copy of my report summary please contact me.
Fred Knehans, Realtor, SFR
If you're driving south on Midland Blvd, turn right on Blaine St. (Between Lone Star Rd. and Roosevelt), go to your second street on the right (S. Tamarack) turn right, take your first left onto W. Tamarack and follow it around to 1514... more
You really need to talk to the professionals with all of your questions. Lenders are the experts on the rules and regulations on the individual loan products. I believe that lenders will normally take the middle of the three credit scores as the one they look at. Your debt to income ratios are also required to be in certain ranges. Some lenders may have special loan programs that another lender may not have. I know of one bank that has a program for home buyers that have unusual circumstances but they will always go back to credit score and debt to income. I would talk to several lenders and get information from them. I would try a bank, credit union and a mortgage lender. If you need advice to raise your credit score or repair something on your credit score, most lenders will work with you to help this happen so that you can find a home of your own.
Let me know if you have further questions.... more
Unfortunately, the MLS will not do searches within specific school districts due to the boundaries changing year to year. The best you can do is narrow down the search by the zipcodes within the school district and call the BOE or look up on their website to verify the schools for particular property addresses.... more
Most of the time the lowest an credit score can be is 580 but it dose come with a slightly higher rate and the guidelines are tighter. For credit over 620 the guidelines are a little easier.
The FHA 203k re-hab loan fallow all of the normal FHA program rules but some of the loan can be used to make improvements to an existing home. Not all lenders offer this program.
Only a few lender offer true FHA constructions loan but they fallow the same guidelines for the most part.... more