Idaho Homes And Money Blog

We finally have it built... our teams web site! Trying to build a mortgage web site has been been quite a challenge for me. As I am already, very particular about my mortgage business, creating a web site that has a ton of pages and a lot of information was tedious. If this is your first time visiting our teams web page, welcome, we hope you like it!

Our team's mission still remains the same, to offer THE best home loan consulting to our valued clients in the Treasure Valley. In a market that is squeezing other lenders out of the industry, our team is thriving! Our clients like you, have continued to refer us your friends and family members! Thank you for making us Idaho's premier home loan lending team! We hope your enjoy our web site.

So you want to purchase a new home in Idaho huh??? Buying a new home for the first time can be stressful and there are many things to take into consideration. One of which is getting pre-approved for a mortgage home loan. Before spending time looking at house after house you should always get pre-approved for a home loan. By getting pre-approved for a home loan you are able to do the following:

1. You know how much home you can afford and only spend time looking at those homes. You don’t want find the home of your dreams only to discover that you can’t get financing. I have seen this happen way to many times. Typically the wife falls in love with the home only to find out that they can't get the financing and you know what that issues that can cause for the husband. How does the saying go again, "happy wife, happy life?!?"
   
2. When you get pre-approved for a home loan it speeds up the closing process. This is just one more step you won’t have to do when you find your home. Trust me; it is a step you want to have out of the way. Especially if the real estate market is hot and you are worried about losing the home you want.
   
3. Buyers are more attractive to sellers and real estate agents when they are pre-approved for a home loan. It tells the seller that you are serious about buying a home. Whether that be their home or not depends on how much you like it.
   
4. By going through the pre-approval process our team will be able to spot any potential problems that might make obtaining a home loan difficult. It allows you to resolve many of these issues even before you have found the home you want.
   
5. Finally, when you are in the process of getting pre-approved for a home loan it enables you to learn and correct any credit errors in which you discover. Pay down high debt balances or it may provide you the time needed to accumulate additional funds for a down payment or potential closing costs. We specialize in credit consulting and will be happy to answer any questions you have about your credit report as well.
   

Resolving issues before you try to close on a home and apply for the loan is why it is important to get pre-qualified. By doing so you will save yourself time and greatly reduce the frustration and anxiety associated with buying a home. Our team is very passionate about what we do. We realize that its not just a house, its your home!