Remember, not all Realtors and Lenders are Equal!
Congratulations on your decision to purchase a new home!
Unlike many Realtors, I like to discuss your personal needs and wants BEFORE you talk to a lender! The reason for this is that until I know what you want in a mortgage (lowest rate, lowest closing costs, most flexible on credit, first time homebuyer programs, construction financing, etc.) how would I realistically know which lender to send you to?
I pride myself in keeping up to date with all of todays available creative loan options including:
2/1 buydowns Zero Down Loans 80/20 Loans Cross Collaterallized Loans Bridge Loans First Time Homebuyer Programs Grants HUD/VA Financing ETC.
There are special loans for people that make 65% or less of the median income; other programs for 80% or less; special loans if you make under 100% (Currently $54,000 in Ada County for a family of 4); and even lenders that don't care what you make if your credit is good enough.
Once we figure out what loan is best and then what you would qualify for, you should log onto this site and click on my "Dream Home" link to enter the location and the style of home you want to buy. This way, you will receive daily email updates of homes that meet your criteria regardless of which agent/agency lists them!
Feel free to email me or call with any and all questions!
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