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What You Need to Know About Buying Your First House

Buying your first home can be a very exciting time. However, to many first time home buyers, the process can be scary or, at the very least, intimidating. You may not be sure what to expect or how to proceed.

When buying your first house you will want to keep a few things in mind as you learn to navigate the process of buying a home.

  • Hire a Realtor – Unless you have a family member who is a Realtor, you will be much better off having a realtor on your side to help your through the process of finding a home and going through the buying process. 
  • Make sure you are ready – Just because everyone says you should buy a house now, because it’s a good time to buy, does not mean it’s a good time to buy for you. Run your budget, ensure you can afford a home, and make certain that you are ready for the commitment of home ownership. Home ownership costs much more than the sales price of the home.
  • Assistance is available – Make sure that you speak with your lender and realtor about the programs that are available for first time homebuyers. These programs can be useful if you do not have 20% for a down payment or you want to purchase a fixer-upper that typical lenders won’t lend you the money to buy.
  • Get pre-approved – One of the best things you can do to prepare for your house hunting days is to get pre-approved. Being pre-approved by a lender means that you have turned in your financial paperwork and application, your credit report has been run, and your credit score has been determined. This allows the lender to let you know how much of a loan you will be able to secure thus allowing you to determine how much house you can purchase. Just don’t forget that just because you “qualify” for a specific amount does not mean that is how much loan you need to secure.

Buying your first house is exciting. Be sure to do your research and hire a professional to help you navigate the process. This will make the home buying process go much more smoothly and help you be in your dream home as quickly as possible.

Here are a few short sale listings provided by IDX/IMLS under $150,000 that are available in Ada County that are updated each morning Monday through Friday.

 

Are You Doing Some Spring Updates?

by Randy Gridley

Are You Doing Some Spring Updates?

Spring is a great time to do some updating around your house? If you are making a list of those much-needed updates, consider this list of 10 Home Maintenance Tips for Spring on Yahoo! Real Estate by Paul Bianchina.

Whether you plan to start with cleaning up the yard or getting up on that roof and taking care of those neglected gutters, these tips are a great start to getting your house ready for the beautiful spring and summer months.

Here are the highlights from the 10 Home Maintenance Tips for Spring article:

  1. Inspect Your Roof – Winter snow, ice, and even wind, can wreak havoc on your roof. Make sure you check it to ensure all shingles are intact and don’t forget about places that leaves build up.
  2. Gutter/Downspouts – Check for leaf and debris buildup as well as any loose fasteners.
  3. Fences and Gates – Winter weather can do a number on any type of fence or gate. Check your fencing to ensure posts have not been dislodged or for any rotting of fencing or posts.
  4. Clean up your Yard – Make sure you get rid of any debris left over from the fall and winter months. Prune trees and inspect for damage.
  5. Air Conditioners/Fans – Make sure you have your central air conditioner serviced before the summer. If you have a whole-house fan, you will want to have these inspected as well. Check fan ducts for damage or debris buildup as well.
  6. Built-in Sprinkler System – If you have an outdoor sprinkler system, run a full cycle with all sprinkler heads to inspect where they are hitting and if they are working. Replace and adjust as necessary.
  7. Vent blocks and Facet Covers – You crawl space vent blocks should be removed as soon as the threat of winter weather is over. You can then inspect the surrounding areas for damage and make certain that excessive dirt has not been displaced around the vents over the winter months.
  8. Yard Tools – Now is the time to see if any of your spring/summer yard tools are in need of repair or replacement. Check handles, fittings, blades, and belts to see if they are working correctly or need serviced.
  9. Furnace Filters – It is always a good idea to replace the furnace filter before beginning with the summer months. It keeps you on a good rotation with the filter so you can remember as well as get rid of the excess dust from the winter months.
  10. Smoke Detectors – Checking your smoke detectors at least twice a year is very important. This is a good time to check them to ensure they are in working order. Replace batteries as well as clean to ensure proper working order.

Homes for sale in Canyon County, Idaho furnished by IDX/IMLS between $65K through $120K. These listings below are up dated daily Monday through Friday early each morning.

Housing Price Categories in Demand in Ada County, Idaho

by Randy Gridley

Housing Price Categories in Demand in Ada County, Idaho

As the market takes an upward turn to some of the best days we have seen in over 5 years, certain price categories are more sought after more than others to potential buyers. In demand price categories are something to consider if you have been trying to decide when to sell your house.

As the inventory of available homes in desirable price ranges remains slim, the demand for good homes in these price ranges remains high.  This makes listings very desirable. The most sought after price range is less than $120,000.  This price range still has a short supply of available homes in Ada County and therefore has more demand than supply.

The next most popular sales category is homes selling between $120,000 and $160,000, which accounted for almost 25% of all sales in March. Under $120,000 account for about 30% of all March sales in Ada County, Idaho. As you can see, over 50% of all March sales were of homes selling for $160,000 and under.

The more-demand-than-supply issue means that most sellers, especially those with houses listed below $120,000, are more likely to receive competing offers from potential homebuyers.  This can be good news for the sellers if they are lucky to have competing offers made on their house.

As a homeowner deciding whether you are ready to sell, you may find that now is finally the time to list your house. Especially if you are listing your house between $100,000 and $160,000, now may be a great time to list your house in Ada County, Idaho and get ready for some great offers.

Short Sale Homes for sale provided by IDX/IMLS in Ada county, Idaho between $100,000 and $160,000.  These listings are up dated daily Monday through Friday early each morning.

 

Very Clean Move in Ready town home - Mountain Home Real Estate

by Randy Gridley

2 bedrooms, 1.5 bathrooms, 1018 square feet of living space.  Refrigerator, dishwasher, new garage disposal, oven/range, washer and dryer.  This home is fully fenced, covered patio, extra storage in furnace room.  Home inspection has been completely and all items that need attention have been either replace or repaired.  New interior paint, newer carpet in living room and stairs.  New vinyl in both bathrooms, kitchen, eating area and utility room.  Vinyl siding, new vinyl windows and new sliding glass patio door. Fireplace!

Click on this link to do your own searching of homes in Mountain Home, Idaho through MLS.

Getting the Most Out of the Sale of Your House

As the real estate market continues to climb, many potential sellers have decided to tread the uncertain waters of the market and set out to sell their homes.  The sale of your house is a process and one that needs to be navigated carefully. Using some of these strategies will help you prepare for the sale of your house and help ensure your home is desirable to potential buyers.

Listing/Marketing – It is important to get the marketing right. You want to hire a good realtor that has an Internet presence and uses sophisticated marketing techniques to ensure as many potential buyers as possible see your home.

Photos – A snapshot of your home last Christmas, covered in snow and twinkle-lights, is not the best choice for a sales brochure. Make certain you have professional photos of your home available for your listing and marketing brochures.

Staging – Ask your realtor about staging or hire a professional real estate stager. Having your home staged for photos and showings can make a big difference. Staging will help your rooms appear larger, roomier and more appealing to potential buyers. Be prepared to clean out closets and clear out clutter and don’t forget to let in the light. A dark home is not one that is appealing to most buyers.

Pricing – As the market continues to be a buyers’ market, pricing has everything to do with a successful sale. Being greedy and asking for the higher amounts than your area is pricing will only drive away potential buyers. When determining your listing price, you will want to consider comparable pricing or under pricing to help with the sale of your house.

Financing – With many buyers recovering from financial issues over the past few years, homes offering financial incentives will attract potential buyers. Consider picking up some of the closing costs or pre-paying property taxes. These simply incentives, advertised up-front, can make your home much more appealing to all potential buyers. You may even want to consider seller financing if it is something with which you are comfortable. This is a great way to help attract buyers than do not have the typical 20% down payment required by many lenders.

Preparing for the sale of your house can take some work. Ensuring you have a great realtor on your side and offering an appealing home through innovative marketing can help ensure your home is on the top of many potential buyers’ must-see lists.

Houses for Sale in Boise ID

View a few houses for sale in Boise ID under $150,000 furnished by IDX/MLS.  These listings below are always current up to date each morning.  Click on these listings below no matter which date you are reading this article.

Homeownership Has Some Surprising Advantages!

According to CNN Money, homeownership can be very important to your dating life.  “In a survey of 1,000 single people, more than a third of women and 18% of men said they would much rather date a homeowner than a renter. “

What’s this mean to you? Homeownership can have even more benefits than you may have realized.

And what about those that live with their parents after college? This can have an even more detrimental effect on your social life.  Less that 5% of all singles in the survey said they would even consider dating someone that still lived with their parents.

Read the complete article at...

If you are still renting or living with your parents then here are some houses for sale in Boise Idaho provided by IDX/MLS to view that are under $125,000.  These listings below are current and updated each morning so it does not matter when you click on these listings...

Boise Idaho Houses for Sale

by Randy Gridley

Boise Idaho Houses for Sale

If you are looking for houses for sale in Boise Idaho that have 3 bedrooms +, 2 bathrooms +, 1250 square feet +, 2 car garage + under $150,000 then click on any number of homes below to view what's available furnished by IDX/MLS.  These homes are from new construction to no more than 20 years old.  Whenever you view this blog and click on the listing below they will be current and active each and every day.  What is holding you back from making an offer.  Boise Idaho houses for sale are selling and interest rates right now today (3/09/2012) are at a all time low. Give me a ring or shoot me an Email.

Properties by Email. Be the first to view the most recent MLS listings right after they hit the market!

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If you want to check the value of your existing home or any home then sign up for Smart Zip input the home address and the information will be sent to your Email inbox immediately...

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A few MLS listings below provided by IDX Broker that are updated daily Mon - Friday under $150,000

 

 

Home Price Recovery May Be On the Way

It’s March, and that means time for home buying season. With trends showing home buying on the upward trend, it may mean that this spring will be a better spring for home buying then 2011.

According to the National Association of Realtors, the improving economy, rising rent prices and job developments are contributing to the home buying market improvements.  It is anticipated that credit will open up over the course of the next few months and therefore assist in the increase in home buying and recovery of the home prices.

Read the full article at...

View a few houses for sale in Boise Idaho under $200,000 with 3 bedrooms +, 2 bathrooms +, furnished by IDX/MLS. These listings are current and updated daily so it doesn't matter when you view these listings:

Meridian, ID HUD Homes - Idaho Real Estate

by Randy Gridley

Meridian, ID HUD Homes - Idaho Real Estate

Meridian, ID HUD Homes are Sold "AS IS" by Electronic Bid Only.  Home availability can be located through www.HUDHomestore.com .  Pert near anyone if you have the cash or can get pre- qualified for a loan will be able to purchase a HUD property.  Once on the website click on Idaho then on Boise or whatever surrounding cities around Boise, ID that satisfies your desires.  Property conditions, forms, disclosure and availability please visit www.HUDHomestore.com.

Financing or cash for HUD Homes

You cannot get financing through HUD since it does not provide direct financing to buyers. In order to qualify for purchasing a HUD home you must obtain financing from a mortgage lender or use your own cash reserves.

Initial Bidding Time Frame for HUD Properties

HUD properties at first are only offered to persons that are going to be owner occupants.  Following the HUD set time frame period for owner occupants, unsold properties will then be available to all buyers , including investors. 

Where to go find HUD Additional Updates

Any additional forms, updates, step-by-step video or a free photo list, please visit www.BLBResources.com. BLB Resources makes no warranty or guarantee of any sort as to condition of property.  Buyer and buyers agent to verify all information about the individual property buyer wants to make a bid on.  HUD always advises you to get a home inspection.


View a few HUD properties provided by IDX/IMLS that are active in the Meridian, ID area no matter when you click on the listings below:

Is the Housing Crisis Finally Ending - Idaho Real Estate

by Randy Gridley

Is the Housing Crisis Finally Ending?

In the article entitled Housing Crisis to End in 2012 as Banks Loosen Credit Standards published by dsnews.com, the housing crisis is finally ending.  How do they predict this long –awaited ending? Many experts’ feels that the lending trends are what indicate how the market is finally on the rise again.

During the house crisis, most lending requirements were increased.  This means that Loan-to-Value ratios were higher, credit scores necessary to qualify for loans were higher, and amount of loan to borrowers earning has increased. Though not back to the pre-crisis numbers, lending is opening up for more potential borrowers making it easier to get loans, buy homes, and maybe see an end to the troubling numbers of foreclosures and excessively vacant homes.

What does this mean to you? It means that if you have been holding out for a good time to buy a home, you may finally be in a position to do so. As lenders loosen the constraints of home loans, more people will finally be able to qualify for a mortgage and be on their way to home ownership.

Click on the listings below that are active and current no matter when you view and see a few homes in Boise, Idaho under $250,000 furnished by IDX/MLS:

Displaying blog entries 1-10 of 30

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Randy & Doyelene Gridley
Silvercreek Realty Group
1099 S Wells St. Suite 200
Meridian ID 83642
Randy's Direct Office: 208-859-7060

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