• Advantages
    Of Buying a Home...
    Equity
    Stability
    Freedom
    Appreciation
    Tax Deduction
    Borrowing Power
    The First Steps are the Hardest!

 

Idaho Top Realtor

  • No One Works Harder:
    Jackie and her team are available 7 days a week.  We are happy to answer your questions and assist our clients throughout the home buying experience. Call now.
     
  • Focused on YOU:
    Purchasing a home for most, is the greatest investment they will make in a lifetime.  An experienced and knowledgeable agent is your Best asset!  Jackie takes the time to listen to her client’s needs, understand their goals and create a plan specific to their personal situation.  No two transaction are exactly alike.
     
  • No one has access to more resources:
    Jackie has a team of top professionals behind her.  They include:  the best Financial Officers, Escrow Officers, Home Inspectors, Insurance Agents, Attorneys, Builders and New Construction Specialists.
  • Home Staging:
    Staged homes often sell faster and for more money!  Jackie provides home staging tips and techniques as well as other pre-marketing services that are guaranteed to make a positive first impression with home buyers!
     
  • Best Value:
    Jackie's real estate service don’t cost more; it’s just better! Jackie is committed to walking you through the home buying process.  She takes the time to explain each step, eliminating any uncertainties.  She looks forward to being the first person to welcome you into your new home!

A guide for first-time home buyers

Pursuing the American Dream of Home Ownership is a big deal and many consider is a step into adulthood. And now millennials are joining the party—the average first-time home buyer in the U.S. is 31 years old. But before you buy, here are some things to do.

1. Assess your need

You don’t want to be buying a home just because you turned 31 or because your friends have started doing it. Determine whether it’s better for you to buy or rent at this time in your life. Think about your family and whether you have plans to marry or have children in the near future. Factor in your job and if it’s stable, whether you plan to stay long term or if you are itching to try something new. Make sure you are buying a home because you want to and you are ready at this time.

2. It's a Math Question

Many people focus on the down payment when they think about buying a home. Yes, the down payment is usually a large chunk of money. But there are other upfront costs you need to think about—taxes, property insurance and closing costs for example. Insurance rates and property taxes will vary by state so you’ll want to check on what it would be. Closing costs encompass many fees including origination, underwriting, appraisal and title insurance. It can add up to a surprisingly large number so it’s good to know it ahead of time.

3. Start Preparing in Advance

You’ll want to have all your documents ready to make the process go smoothly. In most cases, you will need government issued ID, a credit report (you can get free copies every year), a verification form from your employer, W-2 forms, federal tax returns and bank and asset statements. Some of these documents would also have helped you to figure out how financially ready you are to buy a home. For example, you want to make sure your credit is in great shape before you try to get a mortgage and pulling your credit reports can help you see where you stand. You can also check your credit scores for free using the Credit Report Card, a free tool that gives you grades on the major credit scoring factors so you know where you can improve your scores.

4. Go Shopping

A house is likely the largest purchase you’ll ever make, so treat it like other large purchases. That means you want to shop around as you would for a car, TV or couch. It may be time consuming but it’s important to look at comparable homes in the area. You could work with a licensed real-estate agent or start your search online. You want to look at a variety of options to not only find the right one for you but to get a feel for the pricing in the area.

5. Step back and Be Prepared to Walk Away

If you aren't comfortable with the purchase, you may have to leave a near-perfect house for someone else to buy. Before you make this large of a purchase, you want to be sure you feel OK committing to a monthly mortgage payment.

 

 

Home Buying Guide

 

 

Buying a New Home in Boise


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