Archive | Real Estate

Renting vs Buying An Idaho Home

Buying an Idaho home versus renting is a big decision that takes careful consideration. While there are several biased sources that can make arguments for or against owning an Idaho home, we’ve found that most Idaho home buyers base their ultimate decision on emotion. Yes, there are some tax advantages of owning real estate, as […]

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Where Does My Earnest Money Go?

Hey, I gave my real estate agent a $5000 Earnest Money Deposit check… Where does that money go? A basic and very obvious question that most First-Time home Buyers ask once their purchase contract gets accepted. When a buyer makes an offer to buy residential real estate, he/she generally signs a contract and pays a […]

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What Does Title Insurance Protect Me From?

By including title insurance when purchasing property, your title insurer takes on accountability for legal expenses to defend your property title, should it ever be challenged. Many different occurrences can come into play to warrant the need for title insurance. The title company responsible will then take on the legal expenses to defend the property […]

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Factors To Consider Idaho Foreclosures, Short Sales & New Construction

Idaho Short sales, Idaho foreclosures and new construction homes all have caveats that need to be considered when pursuing financing. If the guidelines and potential pitfalls are not properly understood, you could face delays in closing or potentially even a denied loan. Idaho Short Sales & Idaho Foreclosures – Idaho Short sales and Idaho foreclosures […]

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What’s The Difference Between A Single Family, Second Home and Investment Property?

When applying for a mortgage, a borrower’s “Occupancy Type” is a major factor in the amount of down payment required, loan program available and mortgage interest rate. Whether you are purchasing, doing a rate/term refinance or taking equity out of your property through a cash out refinance, occupancy type is always considered by the underwriter. […]

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Top Mortgage Terms To Know

While most mortgage web sites offer a glossary containing hundreds of real estate and lending related terms, we wanted to highlight the top terms that most borrowers will hear several times throughout the approval and home buying process. Understanding the “Shop Talk” between the various industry professionals that you’ve assembled on your team will hopefully […]

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