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buying a home in idaho: Think you aren't qualified to buy a home? Maybe you should get a second opinion! - 01/08/10 11:43 AM
Think you aren't qualified to buy a home? Maybe you should get a second opinion!
The media has done a great job of putting the word out that the real estate market has suffered during the last 2 years. What they haven't done is talk about what a great buying opportunity this has created for many potential home buyers across the country.
With interest rates still very low (but expected to go up this year), the $8,000.00 First Time HomeBuyers Tax Credit (which has been extended and now includes up to $6500 for certain move-up buyers who have owned their primary residence for the … (0 comments)
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buying a home in idaho: How do We STOP the Foreclosure Process? - 12/14/09 10:58 AM
Foreclosed properties are no good for anyone (except perhaps buyers). Banks lose money, homeowners lose their homes, neighbors and neighborhoods lose value and equity. Many homeowners see their dream of owning a home go up in smoke.
How do we in the Real Estate industry help stop this snowball from tumbling out of control?
The road to foreclosure is long and there are many obstacles in the way. It can take a year or more for a property to go into foreclosure status. These obstacles create opportunities for us to help our clients work out a solution before the foreclosure … (0 comments)
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buying a home in idaho: A History of Mortgage Rates...Why NOW is the Time to Buy. - 12/08/09 03:13 PM
Mortgage interest rates are again at an all time low and, with housing prices expected to increase slightly in 2010 (analysts have predicted 3-4%), a generous Tax Credit available to many home buyers, Now may be the best time to purchase a home. Take a look at the historical chart below and see how national average Mortgage interest rates have fallen over the last several years.
These low, fixed rate interest rates increase a buyer's purchasing power without the volatility of an Adjustable Rate Mortgage. While it is very difficult to predict interest rates (especially for me as my Crystal Ball … (0 comments)
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buying a home in idaho: Are You Financially Fit? Give yourself a Financial Physical - 11/19/09 11:17 AM
Are You Financially Fit? Give yourself a Financial Physical
Just like an "annual physical" with your doctor, it is equally as important to get a "financial physical" to make sure you are using your money to your optimum advantage. The following observations and questions are designed to get you thinking-thinking about how you can reduce your living expenses, improve your cash flow, pay down debt, or put money away for a rainy day.
Every household budget has some room for improvement but they can vary based on your needs, family size, lifestyle, etc. First, start by reviewing your … (2 comments)
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buying a home in idaho: Tentative agreement reached on extension of Tax Credit for Home Buyers. - 10/29/09 01:25 PM
Good news! It appears we are getting closer to an approved extension of the Home Buyer Tax Credit. According to Foxnews.com this morning the Senate reached a tentative agreement to extend the tax credit for first-time home buyers.
Fox says "The agreement would extend the existing credit for first-time home buyers, worth up to $8,000, while offering a new credit of up to $6,500 for some existing homeowners, Senate aides said. The reduced credit would be available to all home buyers who have been in their current residence for a consecutive five-year period in the past eight years."
The success of … (1 comments)
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buying a home in idaho: The Evolution of the Home Mortgage as a Financiall Planning tool. - 10/27/09 12:23 PM
Financial strategies evolve with the direction of the economy. Back in the early 90's it was considered a good financial strategy to prepay your home mortgage. Many financial experts considered it a good return on your cash - to pay down a mortgage that may be as high as 10%, rather than invest in more volatile equities. Afterall, the certainty of saving 10% by prepaying your mortgage is just as good (perhaps even better) as earning 10% on a stock and comes without the volatility of the stockmarket or the capital gains taxes.
However, with many home loan rates at historical lows (most range between 4.5% and 5.5% … (2 comments)
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buying a home in idaho: Tell the Obama Administration you want the Housing Tax Credit Extended! - 10/08/09 09:49 PM
The Real Estate Community must be pro-active in having our voices heard by the Obaba Administration. I don't just mean Real Estate Agents, I mean Lenders, Appraisers, Title and Escrow companies, consumers, builders, suppliers, sub contractors, and any one else who has an interest in having the housing market specifically, or the national economy as a whole recover.
I implore each and every person to make their voices heard by submitting their comments to this website:
http://www.fixhousingfirst.com/
It is imperative that you weigh in with both the White House and the Treasury Department to let them know that the homebuyer tax credit … (2 comments)
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Randall Filbert- Filbert Real Estate Team
Boise,
ID
More about me…
Filbert Real Estate Team
Address: Mountain Realty, Boise, ID, 83714
Office Phone: (208) 599-1418
Cell Phone: (208) 599-1418
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