You'll have to dole out money for more than just your mortgage payment

By Diana Lundin

You’ve traded in renting for owning. So now what?

You may be surprised to find out that there is more money involved in owning a house than just taking out a home loan and making your monthly payments.

What you weren’t responsible for as a renter becomes all yours as a homeowner. Property taxes, utilities, home maintenance and repairs, insurance and even decorating in any way you choose are all on you now, for better or worse. And if you live in an association or in other types of communities where special property taxes are assessed, you’ll have to contend with that, too.

Let’s break it down.

Closing Costs
Closing costs can add on thousands of dollars when your loan is settled. Those fees are often negotiated and vary state-by-state. As a buyer you may be responsible for a portion of them or the seller may assume all of them. The expense may be written into the offer so that the buyer doesn’t have to come up with the cash.

Property Taxes
Your property taxes are the principal source of revenue for municipalities, counties and school districts. The United States average for property taxes is 1.38 percent of the home’s value with the highest rates in New Jersey, Connecticut, New Hampshire, New York and Rhode Island and the lowest in Louisiana, Alabama, West Virginia, Mississippi, and Arkansas. Additionally, there are variances within counties, parishes, boroughs and the like. 

If you live in a condo or a community that assesses its residents a special tax, such as a Mello-Roos District in California, you will have fees on top of your property taxes.

Find out what your annual obligations are and budget accordingly. Otherwise, you’ll have a shock when those taxes and fees become due.
Private Mortgage Insurance

If your down payment was less than 20 percent of the purchase price, you will be required to buy Private Mortgage Insurance. PMI enables you to buy a house with a smaller down payment. The insurance protects the lender against you defaulting on the loan. Once you have sufficient equity in the house, the PMI coverage can be canceled.

Homeowners Insurance
You can’t get a loan without taking out homeowner’s insurance but that doesn’t cover everything, especially if you live in an area where natural disasters occur. You should consider  supplemental policies for floods, tornados, hurricanes and earthquakes. And if you have a lot of valuable items, such as jewelry, antiques, art or a lot of expensive equipment like computers or cameras, you’ll need to buy a rider if you want them covered.

Decorating
One of the most satisfying things about home ownership is the ability to make your house look just about any way you want it. Want a moat and drawbridge? Put them in. Want a tropical island theme? Do it. You can change the appearance of a house with something as simple as paint or as elaborate as a remodel. And a house new to you generally needs furniture and other items like window treatments, carpeting and light fixtures.

Home Maintenance and Repairs
If you bought a fixer-upper, you pretty much know what’s ahead of you. Time, sweat and money… then add another 20 percent or more to the costs. But even a house in pristine move-in condition is going to need maintenance and it’s better sooner rather than later.

There will come the day – maybe not now, but inevitably – that the roof will need to be replaced or the furnace breaks down or something goes terribly wrong with the plumbing. Your choice is to repair or replace. If you’re handy at DIY, you have an advantage, but you’ll still need to spend some money.

Don’t be too startled if every year you have some sort of major expense, sometimes costing thousands of dollars. To smooth the edges off of those unexpected expenditures, start a savings account for your house.

And it’s important to maintain your house. Down the line, you may want to move up. To sell your house for the best price, you want to show a well-maintained home, not a neglected house.

Copyright © by Move, Inc.
 

Eight tips to help in your search

By Michele Dawson

Armed with your down payment and your pre-approval letter for a mortgage loan, the next step is finding the house that will best meet your family's needs. With realistic expectations, patience and plenty of research, you'll be well on your way.

Once you narrow the search to neighborhoods you like, you'll want to determine the maximum house price you can afford. Even though you're pre-approved for a set loan amount, it doesn't mean you can afford it. You'll want to factor in other expenses, including retirement and college savings, vacations, and home maintenance and repairs, when you calculate how much you can afford for a monthly payment. And don't forget to budget for homeowners insurance and property taxes. There's also homeowner's assocation fees, especially in newer developments.

Next, differentiate your needs versus your wants. You need three bedrooms, but a fourth room would be nice for a play room or guest room. You need a two-car garage, but a larger one would be nice for storage. You need a functional kitchen but want hardwood floors. You need two bathrooms but want a luxurious master suite. You get the picture.

As you begin your house-hunting venture, prepare a checklist. Break it down between exterior and interior characteristics. Make notes on each feature and make notes. Some people give each a 1 to 10 score, which is fine, but the first few houses you see will score differently than the last few because you have many more to compare against. Also, after viewing many homes, the numbers begin to lose meaning.

Some of the exterior features to rate might include size of yard, quality of fence, paint condition, roof condition, window conditions, garage, back yard. When it comes to interior, think about square footage; the floor plan; condition of walls; the size, quality, and functionality of the various rooms and closet and storage space.

Your checklist should also include any other factors you deem important—the amount of traffic, the appearance of the neighborhood, safety in the area, the reputation of local schools, etc.

Here are some other suggestions from industry experts:
 

• Take a camera with you to capture an image of each house you look at that makes it to the "maybe" list.
• Don't make a hasty decision, especially if you feel yourself becoming guided by emotion. Selecting a home takes time, thought and analysis. You should carefully weigh the pros and cons of each house you like.
• Review your checklist and notes and compare it against your needs, wants and budget.
• Bring your spouse, friend or family member with you to get a second opinion. They may notice a shortcoming that you've overlooked.
• Find out how much utilities and maintenance cost.
• Stay on top of newly listed houses via a Multiple Listing Service on the Internet.
• Remain in close contact with your agent. This is extremely important if you're in a strong seller's market and/or in which homes that are priced right go fast. You want a good agent who will alert you of new listings and who will show you the houses as soon as they're listed.
• Be prepared to look at the potential of a house rather than what you see in front of you. Set your priorities and decide what can be sacrificed. It's more important that the layout of the house and the number of bedrooms you need fit your needs and that all major systems are functional versus your dislike for the avocado green carpet or the lack of landscaping. Those types of cosmetic shortcomings can be easily remedied once you buy the house.

If you find a house you like, offer a competitive bid. Keep in mind you'll likely be competing against other offers—especially if interest rates are low and the spring buying season is in full bloom.

And don't forget—once you make an offer, make it contingent upon the findings of a professional home inspection. If any major defects surface, you'll want to have the leverage to renegotiate or back out of the deal completely.

Copyright © by Realty Times

New House or an Old One?

Consider the pros and cons to each

By Michele Dawson

As you embark on your venture to buy a home, one of the first decisions to make is whether to buy new or purchase an existing home. Each choice has its advantages, and there is no single answer that works for everyone.

You may be drawn to the shiny new, energy-efficient appliances, the great room, and the beautiful master suite offered in a new home. But you may also like the charm, the canopy of trees that drape over the sleepy neighborhood streets, and the increasing value of an existing home you've been eying.

Here are some things you'll want to ponder as you decide which route to take.

Existing homes
Existing homes offer many considerations for potential homebuyers, including:
The neighborhood. Many people are drawn to developed neighborhoods for the sense of community that has been established. The mature landscaping and developed trees are often a considering factor.

Maintenance and repair. If you're considering an existing home, be sure you have a good handle on the working status of all major systems. Hire a professional home inspector to check out the house. As appliances and systems age they naturally require repair and replacement, something which may be reflected in a purchase price.

Home improvement. If you enjoy small repairs and home improvement projects around the house, then an existing home would be your cup of tea.
Existing features. When you buy an existing home, you typically don't have to worry about buying the extras, such as blinds for the window, a security system, or a landscaped back yard.

Land. In most metro centers, new homes may have less land than newer properties. Why? Because of changes in land-use patterns.
Location. Existing homes are often found in older, more convenient metro core areas rather than outlying suburbs.
The opportunity to remodel. In some cases buyers may prefer an older home in a particular location which can be modernized or expanded. In effect, use the existing home as a base to build a unique property.

Price. In general terms, existing homes tend to be less expensive than new properties. As well, existing homes are likely to come complete with items which may represent new home extras—blinds, landscaping, built-ins, etc.

Track record. When you purchase an existing home, you know how much the property has appreciated over the years -- in effect, you have an index of sorts which measures the community's marketplace appeal. At the same time, like stocks and bonds, you know that past results do not guarantee future marketplace performance.

Taxes. Depending on your state, you will likely have lower property tax rates. Also, many older households aren't required to pay for local bonds associated with new development, such as schools, parks, or road or transportation improvements.
Traditional layout. If you like the formal living and dining rooms, an existing home will likely satisfy you.

# # #

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Cedar Springs Neighborhood

Welcome to Cedar Springs! As one of Meridian’s nicer Boise, Idaho communities, Cedar Springs is a great community to live in within the Boise real estate area.

• Homes sold from $120,000 to $245,000 in the last year.
• HOA dues: $225 annually
• Irrigation Info: Cedar Springs homes are supplied with pressurized irrigation water
• Link to HOA site: http://www.cedarspringssub.org/
• Link to Valley Property Management site: http://www.vpmco.com/default.asp?pageName=Home
• Link to Nampa & Meridian Irrigation district: http://www.nmid.org/.
• Link to City of Meridian site: http://www.meridiancity.org/
• Link to City of Meridian Parks & Recreation: http://www.meridiancity.org/parks_rec.aspx?id=206

Neighborhood Amenities

• Settlers Park
• Tully Park
• Meridian Library
• Churches
• Elementary, Middle and High schools
• Shopping, restaurants and pharmacy
• Fast Eddies/Chevron

Homes for Sale in Cedar Springs

Second search link

Public Schools

Elementary:  Hunter
Middle: Sawtooth
High:  Rocky Mountain

Check out the Meridian School District for current boundaries and more:
Meridian School Dist. site:  http://www.meridianschools.org/Pages/Home.aspx

There are also several charter schools within the Meridian School District to consider. Check out the Idaho Charter School Network for more information:  http://idahocharterschoolnetwork.com/icsn/index.cfm/home

Additional Neighborhood Information

Meridian is a very family oriented city with low crime. Check out the crime stats and sex offender list at these websites:

• ID State Police Sex Offender site: http://isp.idaho.gov/sor_id/
• ID State Police Crime in Idaho site: http://www.isp.idaho.gov/citizen/crime_stats.html

Baldwin Park Neighborhood

Welcome to Baldwin Park! Baldwin Park is a premier Meridian subdivision with over 300 homes. Homes range from $125,000 to $265,000 in the last year. Residents can enjoy 3 parks with toy structures, open common areas, sidewalks and gated community pool. This subdivision not only has fun amenities, its extensive landscaping throughout makes it a beautiful community to live in. As one of Meridian's newer Boise, Idaho communities, Baldwin Park is a great community to live in within the Boise real estate area.

• HOA site: http://www.baldwinparkhoa.com/
• Dues: $400 annually
• City of Meridian site: http://www.meridiancity.org/
• City of Meridian Parks & Recreation site: http://www.meridiancity.org/parks_rec.aspx?id=206
• Nampa & Meridian Irrigation Dist. Site: http://www.nmid.org/
• Settlers Irrigation Dist. Site: http://settlersirrigation.org/default.aspx

Baldwin Park Amenities

• Settlers Park
• Tully Park
• Heroes Park
• Meridian Library
• Churches
• Meridian LDS temple site
• Elementary, Middle and High schools
• New Fred Meyer to be completed in June 2012
• Restaurants, shopping and pharmacy

Homes for Sale in Baldwin Park

Second search link

Public Schools

Elementary: Hunter
Middle: Sawtooth
High: Rocky Mountain

Check out the Meridian School District for current boundaries and more:
Meridian School Dist. site: http://www.meridianschools.org/Pages/Home.aspx

There are also several charter schools within the Meridian School District to consider. Check out the Idaho Charter School Network for more information: http://idahocharterschoolnetwork.com/icsn/index.cfm/home

Additional Neighborhood Information

Meridian is a very family oriented city with low crime. Check out the crime stats and sex offender list at these websites:

• ID State Police Sex Offender site: http://isp.idaho.gov/sor_id/
• ID State Police Crime in Idaho site: http://www.isp.idaho.gov/citizen/crime_stats.html

Spurwing Greens Neighborhood

Welcome to Spurwing Greens! Spurwing Greens is an exclusive Meridian subdivision located on the rim overlooking the City of Eagle and Boise River. Homes range from $255,000 to $425,000 in the last year. Owners in SpurWing Greens will be issued a limited 'Lifestyle' membership in the private, premier SpurWing Country Club as part of their homeowner's association dues. They will be able to enjoy full privileges of the clubhouse and restaurant, swimming, tennis, fitness center, and all social activities. There are approximately 6.5 miles of meandering pathways, trails & beautiful common areas throughout. Membership upgrades are available to include golf privileges by contacting the Marketing Director at SpurWing Country Club at 887-1800.

You can also visit The Club at Spurwing at http://www.spurwingcc.com/ for additional membership options, cost and details. For larger home sites check out the 'Estates at Spurwing Greens' at http://www.spurwinggreensestates.com/. The Estates consists of prestigious view lots ranging in size from .33 to .92 acres, and is the only neighborhood among the valley's golf course communities that has property available on which to build your dream home. As one of Meridian's exclusive Boise, Idaho communities, Spurwing Greens is a great community to live in within the Boise real estate area.

Brand new homes and lots are still available! Choose from a variety of builders like this one: http://brightonhomes-idaho.com/Communities.asp?id=5

• HOA site: http://www.spurwinggreens.com/index.asp
• Dues: $900 annually
• City of Meridian site: http://www.meridiancity.org/
• City of Meridian Parks & Recreation link: http://www.meridiancity.org/parks_rec.aspx?id=206
• Nampa & Meridian Irrigation Dist. Site: http://www.nmid.org/
• Settlers Irrigation Dist. Site:http://settlersirrigation.org/default.aspx
• MLS area: NW Meridian 1030

Spurwing Greens Amenities

• Settlers Park
• Tully Park
• Heroes Park
• Churches
• Meridian LDS temple site
• Elementary, Middle and High schools
• New Fred Meyer to be completed in June 2012
• Restaurants, shopping and pharmacy

Homes for Sale in Spurwing Greens

Second search link

Public Schools

Elementary: Andrus
Middle: Heritage
High School: Rocky Mountain

Check out the Meridian School District for current boundaries and more:
Meridian School Dist. site: http://www.meridianschools.org/Pages/Home.aspx

There are also several charter schools within the Meridian School District to consider. Check out the Idaho Charter School Network for more information: http://idahocharterschoolnetwork.com/icsn/index.cfm/home

Additional Neighborhood Information

Meridian is a very family oriented city with low crime. Check out the crime stats and sex offender list at these websites:

• ID State Police Sex Offender site: http://isp.idaho.gov/sor_id/
• ID State Police Crime in Idaho site: http://www.isp.idaho.gov/citizen/crime_stats.html

Lochsa Falls Neighborhood

Welcome to Lochsa Falls! Homes range from $125,000 to $345,000 in the last year. Lochsa Falls main entrance has a dramatic waterfall surrounded by beautiful landscaping. Flower beds are full of color during spring and summer!  Residents can enjoy two different parks. Both have toy structures, but one is a very large park with extensive toy structures, basketball courts and covered picnic area.

Lochsa Falls also has wide open common areas, sidewalks and landscape water features throughout.  A round-a-bout connects this subdivision with others, making it unique in the Meridian area.  Several social events are held throughout the year sponsored by the HOA board and committee of volunteers.  As one of Meridian’s newer Boise, Idaho communities, Lochsa Falls is a great community to live in within the Boise real estate area.

• HOA site:  http://www.lochsafallshoa.com/
• Dues:  $525 annually
• City of Meridian site:  http://www.meridiancity.org/
• City of Meridian Parks & Recreation link: http://www.meridiancity.org/parks_rec.aspx?id=206
• Nampa & Meridian Irrigation Dist. Site:  http://www.nmid.org/
• Settlers Irrigation Dist. Site:  http://settlersirrigation.org/default.aspx
• MLS area:  NW Meridian 1030

Lochsa Falls Amenities

• Heroes Park
• Settlers Park
• Tully Park
• Meridian Library
• Churches
• Meridian LDS temple site
• Elementary, Middle and High schools
• New Fred Meyer to be completed in June of 2012

Homes for Sale in Lochsa Falls

Second search link

Public Schools

Elementary: Paramount
Middle: Sawtooth
High School:  Rocky Mountain

Check out the Meridian School District for current boundaries and more:
Meridian School Dist. site:  http://www.meridianschools.org/Pages/Home.aspx

There are also several charter schools within the Meridian School District to consider. Check out the Idaho Charter School Network for more information:  http://idahocharterschoolnetwork.com/icsn/index.cfm/home

Additional Neighborhood Information

Meridian is a very family oriented city with low crime. Check out the crime stats and sex offender list at these websites:

• ID State Police Sex Offender site: http://isp.idaho.gov/sor_id/
• ID State Police Crime in Idaho site: http://www.isp.idaho.gov/citizen/crime_stats.html

Kelly Creek Neighborhood

Welcome to Kelly Creek! Kelly Creek is a premier Meridian subdivision. Homes range from $125,000 to $345,000 in the last year. Residents enjoy tree lined streets, one large park with play structures, swings, basketball court, two pavilions and lots of open grass and sidewalks throughout. There are rocks and water features at each entrance with tree lined streets. Most homes were built within the last six years, starting in 2006. As one of Meridian's newer Boise, Idaho communities, Kelly Creek is a great community to live in within the Boise real estate area.

• HOA site: https://sites.google.com/a/kellycreekhoa.com/kellycreekhoa-com/
• Dues: $350 annually
• City of Meridian site: http://www.meridiancity.org/
• City of Meridian Parks & Recreation link: http://www.meridiancity.org/parks_rec.aspx?id=206
• Nampa & Meridian Irrigation Dist. Site: http://www.nmid.org/
• Settlers Irrigation Dist. Site: http://settlersirrigation.org/default.aspx
• MLS area: NW Meridian 1030

Kelly Creek Amenities

• Less than a mile away ground was broken in 2012 for a new Fred Meyer shopping center along with several other stores and restaurants.
• Existing coffee shop/restaurants and offices less than 1/2 mile away.
• Meridian LDS temple site
• City of Meridian's Heroes Park with play structures, basketball courts and soccer fields, walking paths and fish pond is located within the Subdivision.

Homes for Sale in Kelly Creek

Second search link

Public Schools

Elementary: Paramount
Middle: Sawtooth
High School: Rocky Mountain

Check out the Meridian School District for current boundaries and more:
Meridian School Dist. site: http://www.meridianschools.org/Pages/Home.aspx

There are also several charter schools within the Meridian School District to consider. Check out the Idaho Charter School Network for more information: http://idahocharterschoolnetwork.com/icsn/index.cfm/home

Additional Neighborhood Information

Meridian is a very family oriented city with low crime. Check out the crime stats and sex offender list at these websites:

• ID State Police Sex Offender site: http://isp.idaho.gov/sor_id/
• ID State Police Crime in Idaho site: http://www.isp.idaho.gov/citizen/crime_stats.html

Paramount Neighborhood

Welcome to Paramount! Paramount is a premier Meridian subdivision with over 700 homes. Homes range from $150,000 to $390,000 in the last year. Residents can enjoy community events like plays, parades and picnics put on by the HOA board and resident volunteers. Landscaping is extensive with ponds and water features, walking paths, parks and pools. Paramount is a one square mile, comprehensive master planned community. That means that virtually everything within our mile-square boundary (both residential and commercial) has been planned in advance to exist together. Strong architectural and qualities controls are in place to protect home value and the integrity of the community. As one of Meridian's newer Boise, Idaho communities, Paramount is a great community to live in within the Boise real estate area.

• HOA site: http://www.paramount-idaho.com/
• Dues: $600 annual
• City of Meridian site: http://www.meridiancity.org/
• City of Meridian Parks & Recreation link: http://www.meridiancity.org/parks_rec.aspx?id=206
• Nampa & Meridian Irrigation Dist. Site: http://www.nmid.org/
• Settlers Irrigation Dist. Site: http://settlersirrigation.org/default.aspx
• MLS area: NW Meridian 1030

Paramount Amenities

• Heroes Park
• Settlers Park
• Tully Park
• Meridian Library
• Churches
• Meridian LDS temple site
• Elementary, Middle and High schools
• New Fred Meyer to be completed in June of 2012

Homes for Sale in Paramount

Second search link

Public Schools

Elementary: Paramount
Middle: Sawtooth
High School: Rocky Mountain

Check out the Meridian School District for current boundaries and more:
Meridian School Dist. site: http://www.meridianschools.org/Pages/Home.aspx

There are also several charter schools within the Meridian School District to consider. Check out the Idaho Charter School Network for more information: http://idahocharterschoolnetwork.com/icsn/index.cfm/home

Additional Neighborhood Information

Meridian is a very family oriented city with low crime. Check out the crime stats and sex offender list at these websites:

• ID State Police Sex Offender site: http://isp.idaho.gov/sor_id/
• ID State Police Crime in Idaho site: http://www.isp.idaho.gov/citizen/crime_stats.html

Turtle Creek Neighborhood

Welcome to Turtle Creek! Homes range from $135,000 to $175,000 in the last year. As one of Meridian’s Boise, Idaho communities, Turtle Creek is a great community to live in within the Boise real estate area.

• HOA site: http://gomgmcom.ipower.com/index.html
• Dues: $200 annually
• City of Meridian site: http://www.meridiancity.org/
• City of Meridian Parks & Recreation link: http://www.meridiancity.org/parks_rec.aspx?id=206
• Nampa & Meridian Irrigation Dist. Site: http://www.nmid.org/
• Settlers Irrigation Dist. Site: http://settlersirrigation.org/default.aspx
• MLS area:  NW Meridian 1030

Turtle Creek Amenities

• Heroes Park
• Settlers Park
• Tully Park
• Meridian Library
• Churches
• Meridian LDS temple site
• Elementary, Middle and High schools
• New Fred Meyer to be completed in June of 2012

Homes for Sale in Turtle Creek

Second search link

Public Schools

Elementary:  Linder
Middle: Sawtooth
High School:  Rocky Mountain

Check out the Meridian School District for current boundaries and more:
Meridian School Dist. site:  http://www.meridianschools.org/Pages/Home.aspx

There are also several charter schools within the Meridian School District to consider. Check out the Idaho Charter School Network for more information:  http://idahocharterschoolnetwork.com/icsn/index.cfm/home

Additional Neighborhood Information

Meridian is a very family oriented city with low crime.  Check out the crime stats and sex offender list at these websites:

• ID State Police Sex Offender site:  http://isp.idaho.gov/sor_id/
• ID State Police Crime in Idaho site:  http://www.isp.idaho.gov/citizen/crime_stats.html

Tumble Creek Neighborhood

Welcome to Tumble Creek!  Homes range from $115,000 to $225,000 in the last year. As one of Meridian’s Boise, Idaho communities, Tumble Creek is a great community to live in within the Boise real estate area.

• Dues: $200 annually
• City of Meridian site: http://www.meridiancity.org/
• City of Meridian Parks & Recreation link: http://www.meridiancity.org/parks_rec.aspx?id=206
• Nampa & Meridian Irrigation Dist. Site: http://www.nmid.org/
• Settlers Irrigation Dist. Site: http://settlersirrigation.org/default.aspx
• MLS area:  NW Meridian 1030

Tumble Creek Amenities

• Heroes Park
• Settlers Park
• Tully Park
• Meridian Library
• Churches
• Meridian LDS temple site
• Elementary, Middle and High schools
• New Fred Meyer to be completed in June of 2012

Homes for Sale in Tumble Creek

Second search link

Public Schools

Elementary:  Ponderosa
Middle: Sawtooth
High School:  Rocky Mountain

Check out the Meridian School District for current boundaries and more:
Meridian School Dist. site:  http://www.meridianschools.org/Pages/Home.aspx

There are also several charter schools within the Meridian School District to consider. Check out the Idaho Charter School Network for more information:  http://idahocharterschoolnetwork.com/icsn/index.cfm/home

Additional Neighborhood Information

Meridian is a very family oriented city with low crime. Check out the crime stats and sex offender list at these websites:

• ID State Police Sex Offender site:  http://isp.idaho.gov/sor_id/
• ID State Police Crime in Idaho site:  http://www.isp.idaho.gov/citizen/crime_stats.html

Bridge Tower Neighborhood

Welcome to Bridge Tower! Bridge Tower is a premier Meridian subdivision with over 1500 lots including home and patio homes. Homes range from $161,000 to $380,000 in the last year. BridgeTower's homes bridge together the ambiance of Old World style with cutting edge technology and convenience. BridgeTower is a place designed to surround lives with a close, family-like community of unusual beauty indoors and out.

Lush walking paths that meander through exquisite open spaces invite evening strolls and chats. Columned, trellised courtyards provide gathering spots. The quaint Old World charm of the Fontana di Fiori community center and pool courtyard offers the perfect setting to socialize, exercise with the kids or just relax in a place where BridgeTower neighbors are like family. Lots are still available. Build your dream home today! As one of Meridian's newer Boise, Idaho communities, Bridge Tower is a great community to live in within the Boise real estate area.

• HOA site: http://www.bridgetowerhomes.com/
• Dues: $720 annually
• City of Meridian site: http://www.meridiancity.org/
• City of Meridian Parks & Recreation link: http://www.meridiancity.org/parks_rec.aspx?id=206
• Nampa & Meridian Irrigation Dist. Site: http://www.nmid.org/
• Settlers Irrigation Dist. Site: http://settlersirrigation.org/default.aspx
• MLS area:  NW Meridian 1030

Bridge Tower Amenities

• Settlers Park
• Tully Park
• Heroes Park
• Meridian Library
• Churches
• Meridian LDS temple site
• Elementary, Middle and High schools
• New Fred Meyer to be completed in June 2012
• Restaurants, shopping and pharmacy

Homes for Sale in Bridge Tower

Second search link

Public Schools

Elementary: Hunter
Middle: Sawtooth
High School: Rocky Mountain

Check out the Meridian School District for current boundaries and more:
Meridian School Dist. site: http://www.meridianschools.org/Pages/Home.aspx

There are also several charter schools within the Meridian School District to consider. Check out the Idaho Charter School Network for more information: http://idahocharterschoolnetwork.com/icsn/index.cfm/home

Additional Neighborhood Information

Meridian is a very family oriented city with low crime. Check out the crime stats and sex offender list at these websites:

• ID State Police Sex Offender site: http://isp.idaho.gov/sor_id/
• ID State Police Crime in Idaho site: http://www.isp.idaho.gov/citizen/crime_stats.html

Saguaro Canyon Neighborhood

Welcome to Saguaro Canyon! Homes range from $170,000 to $385,000 in the last year. Saguaro Canyon has a dramatic main entrance that depicts Saguaro National Park in Arizona complete with cacti and red rock. This theme is consistent throughout the subdivision which makes it very unique to this area. Residents enjoy resort style living with a gated pool, playgrounds, parks, walking paths, pond and water features. As one of Meridian’s newer Boise, Idaho communities, Saguaro Canyon is a great community to live in within the Boise real estate area.

Lots are still available! Choose from a variety of builders like this one:
http://www.boisehunterhomes.com/our-communities-subdivisions-boise-idaho/saguaro-canyon/

• HOA site: http://saguarocanyon.homestead.com/
• Dues: $400 annually
• City of Meridian site: http://www.meridiancity.org/
• City of Meridian Parks & Recreation link: http://www.meridiancity.org/parks_rec.aspx?id=206
• Nampa & Meridian Irrigation Dist. Site: http://www.nmid.org/
• Settlers Irrigation Dist. Site: http://settlersirrigation.org/default.aspx
• MLS area:  NW Meridian 1020

Saguaro Canyon Amenities

• Settlers Park
• Churches
• Shopping and restaurants along the Eagle Road corridor

Homes for Sale in Saguaro Canyon

Second search link

Public Schools

Elementary:  Hunter
Middle: Sawtooth
High School:  Rocky Mountain

Check out the Meridian School District for current boundaries and more:
Meridian School Dist. site:  http://www.meridianschools.org/Pages/Home.aspx

There are also several charter schools within the Meridian School District to consider. Check out the Idaho Charter School Network for more information:  http://idahocharterschoolnetwork.com/icsn/index.cfm/home

Additional Neighborhood Information

Meridian is a very family oriented city with low crime. Check out the crime stats and sex offender list at these websites:

• ID State Police Sex Offender site: http://isp.idaho.gov/sor_id/
• ID State Police Crime in Idaho site: http://www.isp.idaho.gov/citizen/crime_stats.html

Vienna Woods Neighborhood

Welcome to Vienna Woods! Vienna Woods is a premier Meridian subdivision with about 226 homes. Vienna Woods Homes range from $140,000 to $300,000 in the last year. Residents enjoy subdivision walking paths, parks and toy structures including swings and slides make it an inviting community for all ages. As one of Meridian’s nicer Boise, Idaho communities, Vienna Woods is a great community to live in within the Boise real estate area.

• HOA site: http://viennawoodshoa.com/default.php
• Dues: $366 annually
• City of Meridian site: http://www.meridiancity.org/
• City of Meridian Parks & Recreation link: http://www.meridiancity.org/parks_rec.aspx?id=206
• Nampa & Meridian Irrigation Dist. Site: http://www.nmid.org/
• Settlers Irrigation Dist. Site: http://settlersirrigation.org/default.aspx
• MLS area:  NW Meridian 1020

Vienna Woods Amenities

• Charles F. McDevitt Sports Complex
• Settlers Park
• Churches
• Shopping, businesses and restaurants along the Eagle Road corridor

Homes for Sale in Vienna Woods

Second search link

Public Schools

Elementary: Discovery
Middle: Heritage
High School: Rocky Mountain

Check out the Meridian School District for current boundaries and more:
Meridian School Dist. site: http://www.meridianschools.org/Pages/Home.aspx

There are also several charter schools within the Meridian School District to consider. Check out the Idaho Charter School Network for more information:  http://idahocharterschoolnetwork.com/icsn/index.cfm/home

Additional Neighborhood Information

Meridian is a very family oriented city with low crime. Check out the crime stats and sex offender list at these websites:

• ID State Police Sex Offender site: http://isp.idaho.gov/sor_id/
• ID State Police Crime in Idaho site: http://www.isp.idaho.gov/citizen/crime_stats.html

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Settlers Bridge Neighborhood

Welcome to Settlers Bridge! Settlers Bridge is a premier Meridian subdivision with about 250 homes. Homes range from $115,000 to $390,000 in the last year. Experience a 'destination' Meridian neighborhood with resort class pool & cabana, parks, tot lots, walking paths & tree-lined streets. 'Settlers Bridge is more than just a place to hang your hat. It's a place you can live your life.' As one of Meridian's newer Boise, Idaho communities, Settlers Bridge is a great community to live in within the Boise real estate area.

Lots are still available! Choose from a variety of builders like this one:
http://www.settlersbridge.com/builderintro.asp

• HOA site: http://www.settlersbridge.com/
• Dues: $480 annually
• City of Meridian site: http://www.meridiancity.org/
• City of Meridian Parks & Recreation link: http://www.meridiancity.org/parks_rec.aspx?id=206
• Nampa & Meridian Irrigation Dist. Site: http://www.nmid.org/
• Settlers Irrigation Dist. Site: http://settlersirrigation.org/default.aspx
• MLS area:  NW Meridian 1020

Settlers Bridge Amenities

• Charles F. McDevitt Sports Complex
• Settlers Park
• Churches
• Shopping, Businesses and restaurants along the Eagle Road corridor

Homes for Sale in Settlers Bridge

Second search link

Public Schools

Elementary: Discovery
Middle: Heritage
High School: Rocky Mountain

Check out the Meridian School District for current boundaries and more:
Meridian School Dist. site: http://www.meridianschools.org/Pages/Home.aspx

There are also several charter schools within the Meridian School District to consider. Check out the Idaho Charter School Network for more information:  http://idahocharterschoolnetwork.com/icsn/index.cfm/home

Additional Neighborhood Information

Meridian is a very family oriented city with low crime. Check out the crime stats and sex offender list at these websites:

• ID State Police Sex Offender site: http://isp.idaho.gov/sor_id/
• ID State Police Crime in Idaho site: http://www.isp.idaho.gov/citizen/crime_stats.html

18

Lochsa Falls

Price Range: 100K-200K

Year Built: 1998-Present

Home Size Range: 1800-2800 cft

Community Amenities: swimming pool, near shopping centers, excellent public schools, near Settlers, Heroes and Tully Park, Meridian Library, Churches, Meridian LDS temple site, Elementary, Middle and High schools, New Fred Meyer to be completed in June of 2012.

7

Cedar Springs

Price Range: 100K-200K

Year Built: 1998-Present

Home Size Range: 1800-2800 cft

Community Amenities: swimming pool, near shopping centers, excellent public schools, near Settlers, Heroes and Tully Park, Meridian Library, Churches, Meridian LDS temple site, Elementary, Middle and High schools, New Fred Meyer to be completed in June of 2012.

2

Baldwin Park

Price Range: 100K-200K

Year Built: 1998-Present

Home Size Range: 1800-2800 cft

Community Amenities: swimming pool, near shopping centers, excellent public schools, near Settlers, Heroes and Tully Park, Meridian Library, Churches, Meridian LDS temple site, Elementary, Middle and High schools, New Fred Meyer to be completed in June of 2012.

27

Spurwing Greens

Price Range: 100K-200K

Year Built: 1998-Present

Home Size Range: 1800-2800 cft

Community Amenities: swimming pool, near shopping centers, excellent public schools, near Settlers, Heroes and Tully Park, Meridian Library, Churches, Meridian LDS temple site, Elementary, Middle and High schools, New Fred Meyer to be completed in June of 2012.

City of Meridian

City of Meridian census quick facts: http://quickfacts.census.gov/qfd/states/16/1652120.html
City of Meridian site: http://www.meridiancity.org/
Meridian Chamber of Commerce: http://www.meridianchamber.org/

Utilities

City of Meridian: (water sewer & trash billed together: http://www.meridiancity.org/utility_billing.aspx?id=87
Intermountain Gas: http://www.intgas.com/index1.html
Idaho Power: http://www.idahopower.com/
Sanitary Services Company (Trash & Recycling): http://www.sscwaste.com/

Schools

Meridian School District Joint School District #2
Check out the Meridian School District for current boundaries and more:
Meridian School Dist. site: http://www.meridianschools.org/Pages/Home.aspx
There are also several charter schools within the Meridian School District to consider. Check out the Idaho Charter School Network for more information: http://idahocharterschoolnetwork.com/icsn/index.cfm/home

Meridian Amenities

City of Meridian Parks & Recreation site: http://www.meridiancity.org/parks_rec.aspx?id=206
Meridian Dairy Days: http://www.dairydays.org/
Meridian Speedway http://www.meridianspeedwayonline.com/
Majestic Theaters http://www.hallettcinemas.com/theater%20pages/majestic.html
Meridian Town Center (under construction): http://www.centercal.com/meridian.html
Wahooz family fun park http://www.wahoozfunzone.com/
Roaring Springs water park http://www.roaringsprings.com/
Meridian Chamber of Commerce (restaurants & shopping): http://www.meridianchamber.org/
Meridian Pool: http://www.meridianpool.com/
Idaho State University - Meridian Heath Science Center: http://www.isu.edu/meridian/
St. Luke's Meridian Medical Center: http://www.stlukesonline.org/meridian/

Irrigation Districts

Settlers Irrigation Dist. Site: http://settlersirrigation.org/default.aspx
Nampa & Meridian Irrigation Dist. Site: http://www.nmid.org/
New York Irrigation Dist.

Meridian is a very family oriented city with low crime. Check out the crime stats and sex offender list at these websites:
ID State Police Sex Offender site: http://isp.idaho.gov/sor_id/
ID State Police Crime in Idaho site: http://www.isp.idaho.gov/citizen/crime_stats.html

Bear Creek Neighborhood

Welcome to Bear Creek!  Homes range from $155,000 to $490,000 in the last year.  Beak Creek subdivision is wrapped around City of Meridian’s Bear Creek park making it a very large development.  Park includes baseball fields, basketball courts, extensive play structures, swings, covered picnic area and lot of open space!  Miles of walking paths connect the park and subdivision.  Walk to family entertainment hot spots like Wahooz and Roaring Springs!  Easy access to I-84.  Bear Creek also includes a gated community.  As one of Meridian’s extensive Boise, Idaho communities, Bear Creek is a great community to live in within the Boise real estate area.

• HOA site: http://meridianbearcreek.org/
• Dues: $300 annually, $350 annually for gated community
• City of Meridian site: http://www.meridiancity.org/
• City of Meridian Parks & Recreation link: http://www.meridiancity.org/parks_rec.aspx?id=206
• Nampa & Meridian Irrigation Dist. Site: http://www.nmid.org/
• Settlers Irrigation Dist. Site: http://settlersirrigation.org/default.aspx
• MLS area: NW Meridian 1030

Bear Creek Amenities

• Bear Creek Park http://www.meridiancity.org/parks_rec.aspx?id=3328
• Wahooz family fun park http://www.wahoozfunzone.com/
• Roaring Springs water park http://www.roaringsprings.com/
• Restaurants, shopping and businesses
• Churches
• St. Lukes Hospital - Meridian

Homes for Sale in Bear Creek

Public Schools

Elementary:  McPherson
Middle: Lake Hazel
High: Mountain View

Check out the Meridian School District for current boundaries and more:
Meridian School Dist. site: http://www.meridianschools.org/Pages/Home.aspx

There are also several charter schools within the Meridian School District to consider. Check out the Idaho Charter School Network for more information: http://idahocharterschoolnetwork.com/icsn/index.cfm/home

Additional Neighborhood Information

Meridian is a very family oriented city with low crime. Check out the crime stats and sex offender list at these websites:

• ID State Police Sex Offender site: http://isp.idaho.gov/sor_id/
• ID State Police Crime in Idaho site: http://www.isp.idaho.gov/citizen/crime_stats.html

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Thousand Springs Neighborhood

Welcome to Thousand Springs!  Homes range from $125,000 to $315,000 in the last year.  Thousand Springs has a dramatic waterfall main entrance and other water features throughout.  Residents enjoy resort style living with a gated pool, playgrounds, parks, walking paths, pond and water features.  As one of Meridian’s newer Boise, Idaho communities, Thousand Springs is a great community to live in within the Boise real estate area.

• HOA site:
• Dues: $250 annually
• City of Meridian site: http://www.meridiancity.org/
• City of Meridian Parks & Recreation link: http://www.meridiancity.org/parks_rec.aspx?id=206
• Nampa & Meridian Irrigation Dist. Site: http://www.nmid.org/
• Settlers Irrigation Dist. Site: http://settlersirrigation.org/default.aspx
• MLS area: NW Meridian 1030

Thousand Springs Amenities

• Shopping and restaurants along the Eagle Road corridor
• Julius M. Kleiner Memorial Park – open fall of 2012
• Meridian Town Center (corner of Eagle & Fairview Roads) – destination shopping under construction
• Bear Creek Park http://www.meridiancity.org/parks_rec.aspx?id=3328
• Wahooz family fun park http://www.wahoozfunzone.com/
• Roaring Springs water park http://www.roaringsprings.com/
• Restaurants, shopping and businesses
• Churches
• St. Lukes Hospital - Meridian

Homes for Sale in Thousand Springs

Public Schools

Elementary:  Siena
Middle: Lake Hazel
High: Mountain View

Check out the Meridian School District for current boundaries and more:
Meridian School Dist. site: http://www.meridianschools.org/Pages/Home.aspx

There are also several charter schools within the Meridian School District to consider. Check out the Idaho Charter School Network for more information: http://idahocharterschoolnetwork.com/icsn/index.cfm/home

Additional Neighborhood Information

Meridian is a very family oriented city with low crime. Check out the crime stats and sex offender list at these websites:

• ID State Police Sex Offender site: http://isp.idaho.gov/sor_id/
• ID State Police Crime in Idaho site: http://www.isp.idaho.gov/citizen/crime_stats.html

Sutherland Downs Neighborhood

Welcome to Sutherland Downs! Sutherland Downs provides maintenance free, elegant patio home living in Meridian, Idaho near the southeast corner of Eagle and Victory. Sutherland Downs offers 79 home sites surrounding a 3 acre common area park with walking paths and a gazebo. As one of Meridian's newer Boise, Idaho communities, Sutherland Downs is a great community to live in within the Boise real estate area.

New homes are still available! Ted Mason Signature Homes http://www.tedmason.com/news/sutherland-downs

• HOA site:
• Dues: $840 annually
• City of Meridian site: http://www.meridiancity.org/
• City of Meridian Parks & Recreation link: http://www.meridiancity.org/parks_rec.aspx?id=206
• Nampa & Meridian Irrigation Dist. Site: http://www.nmid.org/
• Settlers Irrigation Dist. Site: http://settlersirrigation.org/default.aspx
• SW Boise/Meridian 550

Sutherland Downs Amenities

• Restaurants, shopping and businesses
• Churches
• St. Lukes Hospital - Meridian

Homes for Sale in Sutherland Downs

Public Schools

Elementary School: Lake Hazel
Middle School: Lake Hazel
High School: Mountain View

Check out the Meridian School District for current boundaries and more:
Meridian School Dist. site: http://www.meridianschools.org/Pages/Home.aspx

There are also several charter schools within the Meridian School District to consider. Check out the Idaho Charter School Network for more information: http://idahocharterschoolnetwork.com/icsn/index.cfm/home

Additional Neighborhood Information

Meridian is a very family oriented city with low crime. Check out the crime stats and sex offender list at these websites:

• ID State Police Sex Offender site: http://isp.idaho.gov/sor_id/
• ID State Police Crime in Idaho site: http://www.isp.idaho.gov/citizen/crime_stats.html

Secrets of Professional Home Stagers

Cost-effective ways to spruce up your home for a quick sale

By Diane Benson Harrington

Where's the house? Where's the fountain? Home-stager Barb Schwarz says you can't sell it if you can't see it.

Maybe you've seen the shows. A house languishes on the market and a crew of home stagers descends on the place and before you know it, they whip it into shape fast. And then what? It sells.

An investment of a few hundred or maybe a few thousand dollars in a home headed for the market — a sprucing up the pros call "home staging" — can yield nice returns.

Why stage a house? "Buyers can only imagine what they see, not what it's going to be," says Barb Schwarz, a broker who now focuses entirely on staging homes with her International Association of Home Staging Professionals. "If you don't clean the carpet or don't take down the flocked wallpaper or the teenager's walls are painted bright purple, the buyer can't envision it any other way."

If done well, staging makes a remarkable difference. "We took over a house that was on the market for six months, didn't change the price, staged it, and it sold in 18 days," says Realtor® Paul Conti, who with his wife Ginger, stages and sells houses with Re/Max Valley Properties in San Jose, Calif.

Schwarz, who says she invented the concept and term of "home staging," claims that homes staged by her accredited students sell in an average of 42 days vs. an unstaged home's 136 days and with an increase in sales price of 6 to 22 percent.

Regardless of the numbers, the National Association of Realtors® has touted the benefits of staging — and it's a given that real estate agents on commissions are just as eager as home sellers to boost a home's selling price and lessen its time on the market.
Whether you want to spruce up your home for your own pleasure or boost its bottom line, stagers' advice can give your house an amazing new look. Here's how:

Start at the street
"Curb appeal" isn't just a fancy phrase created to boost landscapers' income. It's a crucial first impression that can make buyers either wary of stopping to look or eager to step inside. Be sure your lawn and gardens look great, trash cans and bikes are put away, house numbers are attractive and easy to see, the front door is spectacular (because you've replaced it or painted it and perhaps updated the hardware), and that you have some attractive potted plants by the door.

Remember the foyer
The second first impression comes the minute a potential buyer steps inside your home. Coats on a rack, shoes underneath and keys and other doodads in a dish on a console table may mean you're a fabulous organizer, but it's not the way to sell a home. Put the coats and shoes in a closet, the keys in your purse and a vase of flowers on the table.

Try the 1/4 to 1/2 rule
While a few homes out there have too little furniture and too few accessories, the vast majority have way too much. You don't just want to straighten up your clutter, you want to remove it. Consider putting at least one-quarter of your furniture in storage, one-third of your books in boxes and at least one-half of your knickknacks away. Use the same rule with cabinets, closets and counters. If they're stuffed full, buyers will think they're too small. Keep them tidy and one-third to one-half empty (place just a few things on each shelf). Don't forget to pare down your outside furnishings and accessories, too.

Clean 'til you drop
Or hire a cleaning crew to come regularly while your home is on the market, or at least for a one-time super-cleaning. Don't skip windows (inside and out), behind the toilet, bathroom grout, under sinks. Actually move your furniture to vacuum behind and under it.
Arrange furnishings to highlight the architecture

Take advantage of views and fireplaces. Spruce them up by framing or highlighting them, not covering them up or weighing them down. Put tall objects (furniture, vases, paintings or plants) against tall walls. Highlight, don't block, the traffic flow. Grab a couple of sturdy friends and play with different ways to arrange your furniture. Again, pay special attention to your friends' opinions.

Use rooms as they were intended
Take the exercise equipment out of the guest room and put a bed back in. Put a table and chairs in an eat-in kitchen. Get the home office equipment and filing cabinets out of your little-used dining room and set the table for company (or just put a nice vase of flowers on top).

Fix what's broken
Buyers look for flaws to help lower the sales price in negotiations. That wobbly stair rail may still support you and the crack in the ceiling plaster may not be structural, but it'll leave buyers wondering what else is not quite right. No matter how minor the problem, take your toolbox around and start fixing.

Update what you can
Tired home is often thanks to tired paint or furnishings. A new coat of neutral-toned paint is a buyer-pleasing backdrop. Remove outdated furniture; trade sofas with a friend or relative while your house is on the market, ditch yours and buy new, or store yours and rent or borrow a more contemporary style. Tired area rugs (or too many of them) detract from nice wood floors. Shag or other old-fashioned carpeting will turn buyers off. Replace it if you can; clean it if you can't. Update a tired kitchen with an inexpensive new countertop, new cabinet doors, or even just new cabinet hardware.

Erase your personality
Love Hummels? Bummer. Collect fishing lures? Too bad. Think that colorful painting is quirky and fun? At least half the people who see it won't. Box up your collections, your personal photos, and anything you wouldn't expect to see on the floor of a furniture showroom. (Nondescript art is fine; art with attitude is not.) And put away blow dryers, makeup and toothbrushes. Buyers need to imagine themselves in your home, not wonder what its current inhabitants are like.

Invite over honest friends
Ask two or three of your most forthright friends to look through your house with the eye of a home buyer: What needs changing? The smell of pets? A cracked window? Not-so-clean appliances? What's acceptable for daily living isn't likely to impress a buyer.
Find storage away from your house

It's tempting to shove all the boxes of extras into the basement or garage, but buyers will be looking there — judging how big they are. Make them as empty as possible by renting a storage space or borrowing a neighbor's or relative's garage for a while. (For last-minute things — a stack of papers, a handful of dirty clothes — you need to put away before a showing, stash them in the washer or dryer or under beds; most buyers never look there.)

Copyright © by Move, Inc.

Fireplaces Will Help Sell a House

Maybe they're not the source of heat, but they add decorative warmth

By Al Heavens

Houses with fireplaces have a stronger pull for buyers than homes without them.

One reason is decorative. Whether they work or not, fireplaces provide a focal point for the room or even the whole house. They exude warmth. They provide a sense of hearth and home.

Another is utilitarian. Although fireplaces no longer are the only source of heat in most houses, they provide a welcome alternative during storms that can knock out service for days.

There are areas of the country where you can't sell a new house without one. One of these is California, where Gopal Ahluwalia, director of research for the National Association of Home Builders, says, "you probably don't need one more than three days a year."

But, he says, "lifestyle is guided by the conditions of the economy. When you have money left over, you want to spend it on things you don't need."
With the economy struggling to recover, will fewer buyers of new houses be opting for fireplaces, or will owners of existing houses be wary of adding them?

Not necessarily, the experts say. A fireplace can be paid for over time in a 30-year mortgage, and lower interest rates reduce that kind of burden even further.

The fireplace has been standard in new construction for at least 15 years, if not more. What has changed is not the size of the fireplace, but the number of fireplaces and their locations.

"The concept of fireplaces has changed," says Kira McCarron, marketing director of Toll Bros, which builds luxury houses in almost 20 states. "The shift from masonry to prefab designer boxes has put fireplaces in bathrooms, dining rooms and bedrooms, as well as living rooms and family rooms."

Fireplaces can be seen on walls of entertainment rooms, below big-screen televisions, "so that you have your choice of what you want to see," she says.

The increase in locations results from advances in technology: development of gas fireplaces and the ability to vent them through a wall to the outside without a masonry chimney, and the use of flexible pipe for bringing the gas to the units.

Right now, it's about 50-50 wood versus gas, with wood in the living room and gas anywhere else.
Burning wood raises environmental issues.

According to the U.S. Department of Energy, wood-burning appliances and fireplaces can emit large quantities of air pollutants, including nitrogen oxides, carbon monoxide, organic gases, and particulate matter.

Many of these compounds can cause serious health problems, especially for children, pregnant women, and people with respiratory ailments. Several have demonstrated cancer-causing properties similar to those of cigarette smoke. In many urban and rural areas, smoke from wood burning is a major contributor to air pollution.

The advent of vent-free fireplaces also has helped increase the number of units per household because of the flexibility of installation.
But vent-free appliances raise safety concerns. The units are banned in some states and even in states where vent-free fireplaces are permitted, the final say rests with the municipal or county government.

Both unvented and vented heating appliances must be properly maintained to reduce the risk for associated health hazards, according to the U.S. Department of Health and Human Services.

Safety concerns were at the top of contractor John Burke's list when he put a vent-free fireplace in his house.

"There had to be a constant supply of fresh air in that house to guarantee safe operation," Burke says. "Fortunately, the house was old and drafty, and there was never an issue."

However, the unit he bought had both a carbon monoxide monitor and an oxygen-depletion sensor. If the level of oxygen in the room with the fireplace reaches a dangerous level, the flame shuts off immediately.

"Never leave a gas fireplace running when you aren't in the room," Burke says. "And make certain that you shut it off when you go to sleep for the night."

The typical cost of a standard gas fireplace is $600 to $3,000, without installation. Electric fireplaces run about $1,200 to $1,500, but usually generate enough heat to take the edge off one or two rooms.

With fireplaces in older houses, the issue is chimney lining, says developer Mark Wade, who rehabs many older city houses. Most home inspectors recommend that stainless-steel liners be installed in old chimneys.

But it can be expensive, says Wade. Typically, a stainless steel liner installed from fourth floor to the basement can cost $3,000 for about 1 1/2 hours' work.

Copyright © by Realty Times

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

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Remodel or Refinance?

Why not do both?

By David Reed

Let's see. Do I want to refinance now or wait until I finish with my home improvements? Or do I go ahead and get a construction loan, complete my addition, then refinance both my mortgages when the addition is complete? Do I need the value of my new addition to increase my appraised value? These are questions many in America are asking, improve now or refinance now? Why not do both?

Historically, when one wanted to use the equity in their home for home improvements there were two distinct ways. Obtain an equity loan based upon current appraised value or get some building plans and specifications together, along with a contractor’s bid and get a construction loan. What are the differences?

First, let's look at the similarities. Both are usually second mortgage loans. Liens that subordinate to a current first mortgage. The equity loan is based upon the current market value of the home and the construction loan may use the "as finished" value of the home. That's the value of the house after the improvements have been completed. It's common during a major remodel of a home to have the cost of construction to surpass the current value of the property. And without any equity in the home, lenders aren't as inclined to offer their best programs when someone is automatically "upside down" with regards to value.

Many times, second mortgages will carry a higher rate than a first mortgage or in the instance of an equity loan or line of credit the interest rate itself will be an adjustable one. Low now, but higher later.

That presents a problem. If you elect to take a construction or equity loan, then that rate may be higher than what's currently available for a first mortgage refinance. And if your construction period will last for two or three months, then there's no guarantee that interest rates will be where they are now. You run the risk of getting a construction loan while keeping your fingers crossed that interest rates stay low. At least until you have time to build on your house and refinance your new note. Until now.

Some lenders offer a mortgage refinance that does both. Refinance a current first mortgage into a lower rate while at the same time borrowing enough for home improvements. How is this done? Both Fannie Mae and Freddie Mac have programs that allow for a homeowner to refinance their current mortgage using today's low fixed rates while at the same time borrowing still more money for home improvements. Again at today's low rates, not at higher or variable construction loan terms.

For instance, you want to make some improvements on your home such as an extra bedroom and an extra floor. Your current mortgage is $180,000 while your house would appraise at $200,000. Not much room there for an equity loan is there? Your improvements will cost $100,000 and your new value will be somewhere near $300,000 when construction is finished. Using this new mortgage program, you will now be able to not only refinance with the most competitive rates available, but you'll also be able to borrow enough for home improvements while using the "future" appraised value of your home and all the equity that comes along with it.

So quit thinking in the past. Not all lenders will offer this program, so you might need to shop a bit. But don't think that a construction loan and a regular refinance are two different animals. They don't have to be.

Copyright © by Realty Times

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

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Five Keys to Successful Negotiation

Whether you're a buyer or a seller you want to succeed in the realty marketplace. That's natural and reasonable, but what are the steps you need to triumph?

Negotiation is a complex matter and all transactions are unique. Both sides—buyer and seller—want to feel that the outcome favors them, or at least represents a fair balance of interests. In the usual case there is a bit of bluff, some give-and-take, and neither party gets everything they want.
So how do you develop a strong bargaining position, one which will help you get the most from a transaction? Experience shows there are five basic keys which will determine who wins at the negotiating table.

1. What does the market say?
At various times we're in a "buyers" market, a "sellers" market, or a market where housing supply and demand are roughly equal. If possible, you want to be in the market at a time when it favors your position as a buyer or seller.

Because all properties are unique—it is possible to buck general trends and have more leverage than the marketplace would seem to allow. For instance, if you have a property in a desirable neighborhood with few sales, you may be able to get a better deal than elsewhere. Or, if you're a buyer who can quickly close, that might be an important negotiating chip when dealing with an owner who just got a new job 500 miles away.

2. Who has leverage?
If you're on the front page of the local paper because your business went bust—and the buyer knows it—you have little clout in the bargaining process. Alternatively, if you're among six buyers clamoring for that one special property, forget about dictating an agreement—the owner can sit back and pick the offer which represents the highest price and best terms.

3. What are the details?
A lot of attention in real estate is paid to transaction prices. This surely makes sense, but the key to a good deal may be more complex.
Consider two identical properties that each sell on the same day for $275,000. The houses are the same, the sale prices are the same, but are the deals the same? Maybe not. For instance, one owner may have agreed to paint the property, replace the roof, purchase a new kitchen refrigerator, and pay the first $3,000 of the buyer's closing costs. The second owner made no concessions.
In this example, the first house was actually sold at discount—the $275,000 purchase price less the value of the roof repairs, closing credit, and other items. If you're a buyer, this is the deal you want. If you're a seller, you would prefer to be the second owner and give up nothing.

4. What about financing?
Real estate transactions involve a trade—houses for money. We know the house is there, but what about financing? There are several factors that impact the money issue:

Has the buyer been pre-qualified or pre-approved by a lender? Meeting with a lender before looking at homes does not usually guarantee that financing is absolutely, unquestionably available—a loan application can be declined because of appraisal problems, title issues, survey findings, and other reasons.

But, buyers who are "pre-qualified" or "pre-approved" (these terms do not have a standard meaning around the country) at least have some idea of their ability to finance a home and know that they are likely to qualify for certain loan programs.

The result is that pre-qualified buyers represent less risk to owners than a purchaser who has never met with a lender. If the seller accepts an offer from a buyer with unknown financial strength, it's possible that the transaction could fail because the buyer can't get a loan. Meanwhile, the owner may have lost the opportunity to sell to a qualified buyer.

The lower the interest rate, the larger the pool of potential buyers. More buyers equal more potential demand, good news for sellers.
Alternatively, high rates or even rising rates may drive buyers from the marketplace—and that's not good for anyone.

It used to be that downpayments were a major financing hurdle—but not anymore. For those with good credit, loans with 5 percent down or less are now widely available. In fact, 100 percent financing, mortgages with nothing down, are now being made by conventional lenders. Reduced downpayment requirements are good for both buyers and sellers.

5. Who has expertise?
Imagine you're in a fight. The other guy has black belts in 12 martial arts—and you don't. Who's going to win?
Brokers have long represented sellers, and now buyer brokerage is entirely common. In a transaction where one side has representation and the other does not, who has the advantage at the bargaining table?

Copyright © by Realty Times
 

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Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

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The Top 10 Greenest Cities

Is your community among them?

It’s not easy being green – for a city, that is. It's tough enough to simply keep up with the endless trash, traffic and pollution generated by urban life. To actually get the better of it with good public transportation, smart recycling programs and the kind of well-kept streets, parks and playgrounds that make cities fun and healthful places to live, that’s the true challenge. So who measures up?
We’ve picked 10 places – in no particular order – that we think are doing a great job at putting residents first. That means they’re obsessed with clean air and clean water, renewable energy, reliable city buses, trams, streetcars and subways, a growing number of parks and greenbelts, farmer’s markets and, very important, opportunities for community involvement.

Portland, Oregon
Affordable and accessible, this city straddling the banks of the Willamette River has long made sustainable living a priority. More than 30 years ago, with other cities in a freeway-building frenzy, Portland broke ranks and tore down a six-lane expressway to make room for a waterfront park. Since then the city has set an urban growth boundary to protect 25 million acres of forest and farmland, started a solid-waste program that recycles more than half of the city’s trash and erected more than 50 public buildings that meet tough standards set by the United States Green Building Council. One of the most bike-friendly cities in the U.S., Portland’s public transportation, Portland’s public transportation systems boasts a high rate of ridership. Add in one of the nation’s largest city parks – the aptly named Forest Park has 74 miles of running, biking and hiking trails – and Portland’s rep as the nation’s greenest city makes sense.

Austin, Texas
Home to the first Whole Foods Market and more than 300 days of sunshine a year (and you thought this city was all about the music) Austin spreads out among 205 parks, 14 nature preserves, and 25 greenbelts. Talk about green. The city plans to meet 20 percent of its energy needs with renewable energy and energy efficiency by 2020. Factor in county laws protecting the region’s natural watershed from development, a recycling center that dates back to 1970, a dozen outdoor farmer’s markets, city buses that offer free rides on “high ozone” days and an innovative "pay-as-you-throw" trash collection program that rewards residents for being less wasteful and Austin easily earns a spot on the Green List.

Minneapolis, Minnesota
Named one of the top business districts in the nation for by the Environmental Protection Agency, Minneapolis is a commuter’s paradise where more than 60 percent of downtown workers use public or alternative transportation to get to the office. Free parking for registered van and car pools, an extensive bike path and bike lane system and employer-sponsored showers and locker rooms not only add endorphins but make a significant dent into auto-based air pollution. On the way to work, commuters thread their way among scores of lakes and parks and ponds and greenbelts and more than 200,000 trees. With great drinking water, active community organizations and the Minnesota State Department of Commerce nudging businesses and residents to hook solar systems up to the city's grid, it doesn’t take Mary Tyler Moore tossing her beret into the air to let you know this is a great place to live.

Boulder, Colorado
Being green has been a way of life in this small Rocky Mountain city ever since prescient city planners started preserving parkland in 1898. Today, with more than 42,000 acres of pristine land cushioning the city from urban sprawl, Boulder is a place where hiking trails, rock-climbing areas, picnic spots and fishing holes are within reach of every resident. But there’s more to this city than just a pretty face. It’s a place where more than 90 percent of residents recycle, where new water meters are not allowed above certain elevation, thus protecting ridgelines and peaks, and where, when recent federal tax cuts gutted city budgets, residents voted themselves a third sales-tax hike to raise $51 million to buy and protect even more open land.

Burlington, Vermont
In this small city on Lake Champlain, community pride and responsibility drive the urge to be green. More than one-third of all energy used in the city comes from renewable resources, an impressive statistic in chilly New England. Burlington laws don’t allow the use of pesticides on public parks, land or waterways. Challenged by their local leaders to come up with environmental priorities and solutions to existing problems, residents formed an extensive network of citizen-based groups that take on everything from environmental programs to clean up toxic sites to watchdog groups to monitor pollution in Lake Champlain. With local agriculture a mainstay of the region, schools are switching to locally- and organically-grown foods. The idea of sustainability is becoming part of the school curriculum so, as Burlington’s children grow and take their places in the community – any community – they can take a greener way of thinking along with them.

Madison, Wisconsin
The first city in the U.S. to offer curbside recycling (and one of the few with a university course on ice cream making) Madison’s 15,000 acres of lakes and 6,000 acres of parkland give it great appeal. Drawn by the natural beauty, residents seem determined to help preserve it. The recycling program gets a whopping 97 percent participation, with 265 tons of material – everything from broken washers to empty beer cans to grass clippings – collected each week. A year-round farmer’s market (held indoors in the frigid winter months) draws vendors and buyers from throughout the fertile region. As a result, organic and local-grown foods are a priority. This bike-friendly city with over 100 miles of bike paths ranks high in air quality, no surprise in a place where there are three bikes for every car.

New York, New York
Surprise! Thanks to its storied (and widely used) public transportation, energy-efficient housing and good water quality, New York rates a place among the nation’s green cities. Central Park makes it even greener. Considered a folly of epic proportions when its 843 swampy, muddy acres were set aside in the 1850s, Central Park is a wilderness within the urban core. More than 80 percent of NYC residents use public transportation, something that earns the city bragging rights. In fact, New Yorkers burn gasoline at the rate the U.S. did in the 1920s. The key to the city’s low use of fossil fuels, pesticides and other energy sources is population density. Calculated by square foot, New York uses as much energy and produces as much solid waste as any city. Calculate by population, however, and the numbers shift. Per capita, New Yorkers use fewer resources and put less pressure on their surroundings than any other city of its size. So welcome to the Big Green Apple.

San Francisco, California
To the superlatives the City by the Bay has acquired over the decades – steepest, foggiest, most expensive – add greenest. With bus, subway and ferry services that reach throughout the Bay area, avid bikers and devoted car poolers, San Francisco has a good track record for getting people out of their cars. In fact, more than half the city’s residents use public or alternative transportation to get to work. With Golden Gate Park, the newly-decommissioned Presidio, beaches, extensive bike paths and access to the Pacific and the Bay, the city has an abundance of recreational options. Prevailing winds from the water help keep pollution at bay. The city is also a leader in green building, with more than 20 building projects registered for official green certification. And city residents are willing to tax themselves. Voters said yes to allowing the city to sell $100 million in revenue bonds to support renewable energy.

Santa Monica, California
Just 12 years ago, the environmental future of this seaside city looked unimpressive. Thanks to an active city council, which wrote and enacted the Sustainable City Plan, Santa Monica has turned green. Three of every four of the city’s public works vehicles run on alternative fuel, making it among the largest such fleets in the country. All public buildings use renewable energy. In the last 15 years, the city has cut greenhouse gas emissions by nearly 10 percent, a feat in car-crazy Southern California. City officials and residents have made the ongoing cleanup of the Santa Monica Bay a priority – an urban runoff facility catches 3.5 million gallons of water each week that would otherwise flow into the bay. Add in the miles of beaches, extensive curbside recycling, farmer’s markets, community gardens, the city’s nimble bus system and Santa Monica is clearly more than just another bathing beauty.

Chicago, Illinois
With open space, public transportation and a commitment to renewable and sustainable energy, Chicago has earned a spot on numerous ‘greenest city’ lists. The city has 42 green-certified building projects, with more to come. All of the city’s nine museums and the Art Institute of Chicago have been converted to run partially on solar power. Close to one-third of all residents use public transportation to get to work. Among the city’s energy goals, likely to be met, is buying 20 percent of its electricity from renewable energy sources this year. City officials have voted to give tax incentives to homeowners who invest in Chicago’s many historic homes and retrofit them with energy efficient heating and cooling systems, as well as water-saving plumbing. Water quality on the city’s lakefront is rated as excellent by the Natural Resources Defense Council, a happy detail for all the swimmers, boaters and sun bathers along the shore in the summer. And you thought it was all about Oprah.

Copyright © by Move, Inc.

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We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

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Is a smaller Boise home better for you?

Sometimes Smaller Is Better

Keep buyers needs and wants in balance

By Al Heavens

The trend in residential construction is definitely toward bigger.

In the last 30 years, the square footage of a typical single-family house has increased by 40 percent. Yet there are some buyers looking for smaller houses. Many empty nesters are looking to downsize from houses that often exceed 4,000 square feet to ones that are 2,000 square feet or smaller.
Another segment is the first-time buyer. Typically just starting out and cash-poor, the first-timer in the new-house market wants an affordable house that will launch him or her on the road to equity.
However, while both segments want smaller, they want to have the appearance of bigger.
There are several things to keep in mind when you market smaller houses to empty nesters. The most important is never skimp in your design of the kitchen, living room and master bedroom. Empty nesters are used to having these big, and if you make them smaller, they won't even look at the house.

Put yourselves in the empty nesters' place. If they are downsizing from 4,000 square feet, they don't want a master bedroom closet that's half the size of what they are used to. They might even want a nicer kitchen than what they had - for example, better countertops such as granite or Corian instead of laminate or tile.

Real estate agents need to be sensitive to the needs and prejudices of the buyers, and must always consider how both spouses will react to the floor plan.

Surveys show that women want two dining areas - a formal one and a breakfast room. You will need to guarantee both.

Because a lot of the product is designed by men, women often are left out of the equation.
When a woman comes into a plan and can see the toilet from the living room, that's a negative. To a guy, that's a positive. He won't miss any part of the game.

It is easy to generalize about buyers in other ways. The problem is that builders tend to lump all buyer segments together instead of developing housing to fit different niches, and real estate agents have to follow suit.

Market research helps you develop your criteria. You need to know who you are selling to, and come up with designs that reflect the characteristics and needs of your buyers - especially those whose needs are not being met by others.

There are a lot of different niches in the under-2,000-square-foot market as well as different stages in the lives of these buyers - whether young or older - to be accommodated.

The first-time buyer, for example, is barely out of the apartment complex. This buyer's expectations are very reality-based because of budget constraints. He or she doesn't have a lot of money to spend.

One of the major challenges being faced in the creation of affordable housing is rising land costs.
Plans have to be designed to fit smaller lots to reduce buyer costs. And that requires a lot of creativity. People buying their first houses today think they should have all the bells and whistles, but have no idea how much these things cost. What they should be buying is shelter, but instead they want to buy things like garage-door openers.

The unrealistic attitude of many first-time buyers is created when they visit new-home developments offering higher-price houses. They'll visit a model for $350,000 that had everything they might ever want in a house and then go to a development selling $150,000 house and demand the same things.
What some lower-end builders do to keep prices down is make standard items into options. If you save $100 10 times that cuts $1,000 from the price of the house. If buyer then wants to add these things later, when he or she has more money, then they can do it.

For example, the delivery price of oak handrail is about $32 a foot. After installation, it becomes a $750 to $900 item. When the situation is explained in that way, buyers will say, 'We don't really need oak handrails,' and the price drops.

Another example: Some builders don't offer kitchen cabinet hardware as standard, suggesting that, at $3 each, it would be better if the buyer went to the home center and made installing the hardware a Saturday project.

These things have to be explained carefully to buyers. More than anything else, they want to know that they are spending their money wisely and want to be assure that you are helping them look out for their best interests.

Copyright © by Realty Times

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Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

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12 Red Flags That Should Raise Concern

Buying? Here's why you need a home inspection

By Michele Dawson

Indeed, more than 40 percent of the previously owned homes on the market have at least one serious defect, according to HouseMaster, a major home inspection company with offices in more than 390 cities in the United States and Canada.

"Virtually every 'used' home needs some repair or improvement," said Kathleen Kuhn, CEO and president of HouseMaster. "That's to be expected. But with today's high prices, you want to make sure that you are aware of any major problems in a house you are considering purchasing, and what it will take to remedy the situation."

Drawing from their own findings from more than one million home inspections, HouseMaster says the most serious home defects to be on the lookout for are:

Cracked heater exchange
Failing air-conditioning compressor
Environmental hazards including radon, water contamination, asbestos, lead paint, and underground storage tanks
Moisture in the basement
Defective roofing and/or flashings
Insect infestation -- termites or carpenter ants
Mixed plumbing
Aluminum wiring
Horizontal foundation cracks
Major house settlement
Undersized electrical system
Chimney settling or separation

Kuhn says most of these problems can be repaired. However, depending on the specific problem, the cost can be substantial, particularly if the defect involves one of the major systems. The cost could become a factor in whether you ultimately buy the house.

For example, a new air conditioning compressor could cost you up to $1,200. A new roof or repairs can cost at least several thousand dollars. A wet basement could cost up to $5,000 to remedy.
If you enter negotiations to buy a particular house, your agent should advise you to provide a provision for renegotiating or backing out of the contract if a home inspector finds major problems.
"If the property inspectors find that little or no corrective work is required, you have little or nothing to negotiate," say Eric Tyson and Ray Brown in their book, Homebuying for Dummies. "Suppose, however, that your inspectors discover the $200,000 house you want to buy needs $20,000 of corrective work for termite and dry-rot damage, foundation repairs, and a new roof. Big corrective work bills can be deal killers."

If repairs are needed, there are several ways to proceed if you still want to buy the house, the Dummies book advises.

The sellers can leave enough money in escrow to cover the cost of repairs, with instructions for the escrow officer to pay the contractors as the work is completed.

The lender can withhold part of the full loan amount in a passbook savings account until the work has been done.

The sellers may give a credit for the work. Lenders may disapprove of this last alternative because there aren't assurances that the repairs will be made.

A home inspection usually costs between $250 and $400. Hire a qualified inspector. Try to get referrals from friends or anyone you know who has had a satisfactory experience with a home inspector. Also, look for affiliations with organizations like the American Society of Home Inspectors or the American Association of Home Inspectors. Both groups require its members to be certified, meet professional qualifications, and adhere to specific business ethics.

Once you make an appointment with a home inspector, it's important to be there.

Your investment of spending these few hours with the inspector could prevent headaches and save time in the future. As the home inspector examines the various systems and components of your home, ask him or her to explain what problems may be encountered down the road, what signs to look for, and how to prevent them. Try to learn how things work and how to maintain them. The inspector may also point out little flaws or oddities that don't measure up to being mentioned in the report, but may warrant keeping an eye on.

Says Kuhn of HouseMasters, "A pre-purchase inspection is your best protection against buying a home based more on emotions, rather than as a sound investment."

Copyright © by Realty Times

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Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

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At a Loss

What to do if your house is losing money
By Blanche Evans

There are no guarantees that real estate will provide you a return on your investment. While some people are able to sell their homes at a handsome profit, others are not able to sell without incurring a loss. If you think your home is losing value, what should you do?

Don't panic

Homes are not as volatile as other investments. Unlike stocks which can gain or lose 100 percent of their value in one day, homes gain or lose value over months and years. While a home is losing value, it may have gained in value for years before, depending on when it was purchased and for how much.
Real estate, like any other commodity is subject to supply and demand. Demand increases with the number of jobs in the community. If there are jobs, there is more demand for homeownership. If jobs are leaving the community, there is less demand for homes.
Homes historically beat inflation. For this reason, falling real estate prices seldom retest previous lows except in extreme circumstances when communities are dominated by a single employer or industry that has suffered a downturn. In most cases, home values recede and go on to stabilize or test new highs.

Look at the local economy

Are businesses letting people go, or are they closing their doors? Some communities turn into ghost towns with the closing of major employers, but generally these closings will be preceded by months or years of job losses, rumors of closings, lack of raises for personnel, receding population and other indicators. This is generally a slow process that can trend over years, but in areas that are losing population and jobs, housing prices likely won't come back until the re-entrance of a significant employer or the reopening of a plant.

In other areas, job loss is temporary as companies shore up bottom lines by letting personnel go. Eventually, they find that they can't compete, and they begin to hire back staff. So the housing stock that suffered a devaluation, may see itself rise in value again as jobs return to the area.
The key is will your community come back or not? The answer to that lies in the desirability of the community. Has civic planning for resources and local amenities been wise? Is the community attractive with natural resources nearby such as an ocean, lake or the mountains? Is the economy of the community diverse enough to get citizens through the loss of a major employer or an economic recession? Are community leaders working to attract new growth with incentives for relocating companies? Is this a place people want to live? If so, you can look forward to a turnaround, sooner or later.

Remember why you live where you live
Your home is more than an investment. It is a place to live. Unlike stock certificates which will hardly keep the rain off your head, a home is a refuge even while it is losing value.
When you buy a home, you are buying more than an investment opportunity. You are buying a stake in the local community, which is one of the reasons why the U.S. government works to make homeownership so attractive. As a homeowner, you get mortgage interest rate deductions off of your income tax. If you want to sell your home after two years of occupation, you may do so without paying capital gains if you are single and the gains are less than $250,000. That's quite a nestegg to get tax-free.
If you bought your home because of attractive qualities, and keep reinvesting in your home by performing repairs and updates, and your home is in a desirable neighborhood, chances are good that you will recover your investment and be able to one day sell at a profit.

You'll only take a loss if you sell

If you aren't in a must-sell position, review the state of your economy. If your finances are in disorder, with too much credit card debt, for example, and too many obligations, now's the time to cut personal expenses. But don't sell your home because you think prices are falling unless you have another reason to make the change. Do you want a different lifestyle? Want to live in a different area? Fine, go do it.
If you are in a must-sell position, now's not the time to try to sell your home alone. Talk to a Realtor. Good Realtors are more diversified than you may think. Let a Realtor help you determine your ability to sell. While they can't perform voodoo economics and pull a profit out of your home if you are overextended with equity loans, they can certainly help you with a strategy to sell where losses are minimized as much as possible. Many Realtors are also cracker-jack property managers and can help you lease your home until selling is more profitable.

Your losses may be unrealized

Keep in mind that we have been through some unusual economic times, with great profits being made on stocks and homes before the stock bubble burst in 2001. Following the economic downturn were some tremendous losses felt by millions of people.

There's a tendency to think that when a home escalates in value, that such gains are an entitlement of a clever investor. But you aren't an investor - you are a homeowner. Selling a home at a big profit isn't an entitlement of homeownership. If your home is losing value, is it a real loss? In other words if you had to sell today, would you have to come to the closing table with cash to pay off your mortgage?

The market sets the value for your home. Equity builds with time and the reduction of loan amounts and interest -- but only if home continues to be well-maintained and improved when needed.

The market isn't responsible for the fact that you may have been in your home only six months and purchased the home with a 103 percent loan, and now you need to sell. And if you got into trouble with American Express, got an equity loan to pay it off, and are now upside down in your home, that's hardly the market's fault either. It's not the market's fault if you overimproved the home with amenities buyers may not want. If you haven't made any improvements on your home and buyers are offering you wholesale instead of retail, again that is a reflection of the market.

Anytime you are able to sell your home or any asset and walk away with a check, you did well -- in any economy.

Copyright © by Realty Times

How to Set Your Selling Price

Being overpriced is a bad start
By Michele Dawson

If you're selling your house, one of the first steps you'll take is setting an asking price, a maneuver that requires the ability to find the perfect balance between attracting solid offers and ultimately receiving top dollar.

If you're working with a Realtor or other industry professional, you'll probably hear talk of fair market value, which typically means the highest value an educated buyer will pay. Fair market value is usually not the asking price.

Many agents will begin by conducting a competitive market analysis of your house and give you an estimate of the fair market value of your home, which is a range that will fluctuate depending on the housing market in your area and how much similar homes in your neighborhood are selling for.
If you're in a hot seller's market, like many communities throughout California and much of the West, you'll have the advantage.

"The market has been gaining steam, and the seller is taking control," said Nashat Benyamein, a broker in Long Beach, Calif. "Our average number of days on the market went from 30 days to 7 days or less."

While overpricing to some degree can be beneficial, you'll still want to be careful and avoid pricing your home too high, which almost always is nonproductive.

As you work with your agent and set your price, you'll want to recognize the factors that may prompt you to raise your asking price too much when it isn't warranted.
Some of those factors include:

Upgrades have been added. While many home improvements will help you recoup a good chunk of your investment, it won't give you 100 percent of what you paid. Also, the more personal the improvement—a swimming pool, a sunroom, purple floors—the less likely it will be viewed favorably by potential buyers.

The need for money.

You're moving to a higher-priced area.

The original purchase price was too high.

The seller lacks factual comparable sales to prove what the market value is.

The seller wants bargaining room (listing more than 1-3 percent above market value actually reduces bargaining power).

An unnecessary move, so you're not motivated.

On the other hand, if you're in a neutral or buyer's market, like in Minneapolis, you'll really need to be cautious in setting your price.

"While a few select neighborhoods are experiencing good activity, the market generally is favoring buyers," said Mary Jo Oren, a Realtor in Minneapolis, Minn. "Price reductions are becoming more common and sellers are having a tough time adjusting to fewer offers, fewer multiple offers and increased market time to sell. Buyers are less emotional and not afraid to offer significantly less than list price plus ask for additional seller participation."

Generally, the asking price—the price advertised when it goes on the market—is set slightly higher than market value, usually 1 to 3 percent above market value.

You should assume that negotiation will be necessary to reach an agreement with the buyer. If you price your home too much above market value, you'll get fewer showings and offers in which the potential buyer is fishing to determine how low you'll go.

You'll want to establish your priority list: Are you more concerned with selling quickly or getting the most money possible? You'll also want to contemplate whether you think the agent's suggested price is reasonable and whether you'd pay that amount if you were a buyer.

Your agent, as well as friends, relatives, and neighbors, will help you point out your house's advantages and disadvantages that you may not have thought about because you're too close to the house and not as objective as others.

A third party will help you think of your house as a commodity—something with positive and negative selling points. At that point you can decide on a price that you deem competitive and in line what other houses in your area have sold for.

Copyright © by Realty Times
 

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Make Them An Offer They Can't Refuse

Follow three key steps to buy your house

By Michele Dawson

Once you're preapproved for a loan and you've survived the rigors of house hunting, the time will come when you find a house that you'd like to call home. But first, you'll need to make an offer.
The offer is the first step in the negotiation process. A good basic offer includes the price you're willing to pay for the house, your financing terms, and contingencies, such as specifying what will happen if negative findings come up during the inspection.

Purchase contracts vary from state to state. Regardless of where you live, if you're making an offer, you want it to be carefully worded and well thought out.

In the book "Home Buying for Dummies (Hungry Minds Inc., 2001)," authors Eric Tyson and Ray Brown say there are three key elements to a good offer.

Begin, they say, with a realistic offering price. Your agent will help you with this, but basically you want to come up with a price based on similar houses sold in the neighborhood in the past six months. You'll also want to keep the local conditions in mind. In other words, if houses are selling quickly and many houses are receiving multiple offers, you'll need to bid competitively.
That would be the case in some regions of the country, including Pennsylvania.

"The market is strong for sellers," said Maureen Clay, a Carlisle, Penn. Realtor. "Homes that are being placed on the market are selling quick with multiple offers being presented. There is a high demand for homes up to $220,000. With supply low and demand high, buyers are being caught in a bidding war."

But if you're in a market in which houses are on the market longer, like Denver, Colo., then you can be proceed a bit more cautiously with a bit more wiggle room for negotiation.

"In past years, selling a home in Denver was about as easy as putting a for sale sign in your front yard and waiting for buyers to come in droves," said Denver Realtor Laurie Erb. "The economy was hot, high tech jobs were plentiful and, as a result, homeowners got top dollar and plenty of offers. Not any more. Like the jobs that fuel home buying, the days of easy sales are gone."

The second element to include in your offer is realistic financing terms. If you're pre-approved for a loan, be sure to include that in the offer so the seller knows you're serious. It will also give you an edge over any other offers that don't have a pre-approved loan.

And finally, include a property inspection clause. What if it's determined the roof needs to be replaced, or the heating and cooling system is faulty and it will take $3,000 to fix it?

"It's smart to use property inspection clauses that enable you to reopen negotiations regarding any necessary corrective work after you've received the inspection reports," the homebuying Dummies book says.

Meanwhile, Freddie Mac says there are additional items that should be covered in the offer:
• Any concessions you'd like the seller to make, like paying part of the closing costs or providing an allowance to get worn carpet replaced.
• Financing contingencies. If you're in a hot seller's market, your loan should already be approved. But if it's not, you may choose to make the offer contingent on approval of a mortgage with a specific rate and terms.
• Conveyances. This includes what is included in the sale. For instance, a refrigerator.
• The amount of your deposit.

Also, most offers include a deadline for a response, perhaps three days.
Finally, put everything in writing. Don't rely on verbal agreements. If the seller tells you he'll provide a carpet allowance for the shabby avocado-colored carpet but it isn't specified in the offer, then you may not get the money -- and be stuck with green carpet.

Copyright © by Realty Times
 

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Home-buying With Others

Buying a home is more affordable when you share the costs with friends and family

By Tasha Schroeder

In today’s market, home prices are out of reach for many, but some are pooling their resources with a friend or family member to purchase a home they otherwise wouldn’t be able to afford. For young adults who can’t pay for a home on their own—or for family members who want to take advantage of the tax benefits associated with home ownership—co-buying is the best bet when it comes to buying a house.

"Neither of us had a big enough chunk of money to put down for a home in a desirable neighborhood," Brian Free told the U.S. News & World Report about his decision to purchase a home with his friend. "However, aggregating our resources allowed us to find a home that suited our needs."

As with any financial arrangement involving close friends or family, planning and careful consideration are needed. But with forethought and a little know-how, many of the common pitfalls can be avoided.

Choose how you will hold title
The decision on how to hold title determines who can sign documents and how the property is transferred in case of an owner’s passing. Co-buyers who aren’t married to each other may share a title as tenants in common (TIC) or as joint tenants with right of survivorship (JTWROS). Married co-owners may also take title via community property or tenancy by the entirety.

How do TIC and JTWROS ownerships differ?
When each co-owner has an equal interest (or share) in a home, a JTWROS applies, with one title held between all the co-owners. When a co-owner dies, his or her share goes to the other owners. Ultimately, the last surviving owner will own all the shares in the property.

The shares of tenants in common may be equal or unequal, and each co-owner has a separate legal title. In a TIC arrangement, there is no right of survivorship, so the home doesn’t go to the last surviving owner. Each co-owner can pass along his or her ownership via a will, meaning that the remaining tenants in common may find themselves sharing ownership of a home with someone they have never intended to.

Tenancy in common can be dissolved when one owner buys out another, the property is sold or one owner files a partition action to sell the home.

How are TIC and JTWORS ownerships similar?
In both tenancy in common and joint ownership situations, co-owners have equal rights of possession, meaning that each may occupy and use the property. If the home is rented, each co-owner is entitled to rental income from the entire property in proportion to the ownership share.
Before you buy, write a co-ownership agreement

Sharing the cost of buying a home can benefit all the parties involved, but it’s essential to determine ground rules before any money changes hands.

Co-ownership agreements are essentially the pre-nuptial agreements of home ownership: they lay out the relevant concerns of the parties involved. While it might be difficult to imagine problems when you’re excited to own a home with a friend or family member, these documents are important because they are the only way to resolve ownership issues aside from court proceedings. And when thousands of dollars are stake, it’s important to address the next three concerns.
What are the ownership percentages?

For joint tenants, this is easy: each co-owner has an equal share. Tenants in common may choose to divide the shares, perhaps based on the amounts contributed for the down payment.
How are ongoing expenses divided?

The division of recurring expenses such as mortgage payments, property taxes, insurance, utilities and maintenance costs should be spelled out in your co-ownership agreement. They may be divided to match the ownership percentages, or by the amount of time each co-owner will invest in improving or providing upkeep for the property. Consider setting up a joint checking account so that any co-buyer may draw from it in order to pay these bills.

What happens when one co-owner wants to sell?
When co-owners want to their interest in the house, they are not required to sell to someone approved by the remaining co-owners. However, a co-ownership agreement can grant the remaining co-owner the right of first refusal.

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Find the Perfect Neighborhood

How to scout out the best place to call home

By Michele Dawson

Once you've become pre-qualified for a loan, you should be ready to put your house-hunting efforts into full gear. But don't skip the important step of scouting out neighborhoods before you start your search for the perfect house.

The neighborhood in which you live will heavily dictate your whole way of life—things like walking to a nearby park with your kids, knowing your kids are attending good schools, feeling safe when your children play outdoors, being close to restaurants and shopping, enjoying a short commute, and knowing your home will appreciate at a healthy rate.

Of course one way to get started in your neighborhood search is to get in your car and explore, especially if you're unfamiliar with the area. Get an idea about the neighborhoods by driving around and seeing which areas appeal to you. Walk around, explore, and talk to some of the residents.
Take note of the general appearance of the homes. Are they well maintained? Are they nicely landscaped?

If you have children, you might be looking for a neighborhood with plenty of children around, as opposed to neighborhoods that attract more seniors or young singles.

Other factors you'll want to consider are the schools, crime, your family's specific needs, and appreciation - as in how much the value of the home is likely to increase.

A good Realtor will be very familiar with all the neighborhoods in the area and should be able to tell you about the strengths and weaknesses of the specific neighborhoods you're eyeing.

The school district
Even if you don't have school-aged children, buying a home in a district with good schools will be in your best interest. When and if you sell the home at some point in the future, future buyers with children will likely consider good schools their top priority. And neighborhoods with good schools typically attract more buyers.

There are several sites on the Web in which school reports are just a few mouse clicks away. Basically all you do is enter a geographical area or zip code and it will display ratings for the school system. Also:

• Ask your Realtor about information on schools in the area.
• Talk to people in the neighborhood, especially people with children.
• Standardized test scores are also available on the Internet.
• Visit the schools and take a tour if you have children. It's important that your decision isn't based purely through facts gathered online. Get a true feeling for what the school is like.

Crime statistics
No one wants to live in a neighborhood where break-ins and burglary are the norm. There are web sites that can provide you with statistics on crime and other information pertinent to your search.
In addition to school information, Homestore lets you enter a city or zip code and provides you with crime data for the area you choose. It also compares crime statistics with other cities (such as the city from which you are moving).

In researching a neighborhood, you must first determine your area. The suburbs may have lower crime statistics, but may be farther from your work. Cities may have more crime, but may have other qualities that you consider more attractive, such as convenience and cultural activities.
Use the following tips to help you learn about crime statistics in a neighborhood:

• Talk to neighbors.
• Take note if there are bars on the windows and doors of homes.
• Talk to the police or sheriff's department.
• Check for gang graffiti on walls and walkways.
• Keep in mind that if you're looking in-town, you may not be able to get away from everything you consider unappealing (such as noise and traffic).

Keep your family in mind
A home isn't just an investment when you have a family to think of. You'll need to consider more than just the number of bedrooms or whether it has an attached garage. You'll need to consider the community first and foremost. Do you want schools that are in walking distance? Do you want to be close to your place of employment? Do you want to be close to shopping, restaurants, and other services?

You'll also want to research property values before you find a home in the neighborhood that you like; property values reflect a community's overall health.
And when you do your research, find out what houses sell for now versus a decade ago, five years ago, and three years ago. Also, find out how much property taxes have gone up.

Copyright © by Realty Times

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Shopping for a Home in Winter

A strategy for bargain hunters

If you've been thinking about buying a new home, winter is the time to start getting serious. Here are a few reasons to brave the cold and go on a house hunt:

The winter season has fewer units on the market, and sellers tend to need to move from their property. You can use that to your advantage to get a favorable deal.

Winter has fewer buyers in the market. Looking for a home in the winter can be inconvenient, and people are less likely to move. Families also tend to be on a September to June cycle because they are unwilling to move their children to a new town in the middle of the school year. Fewer buyers means less competition.

Lenders also usually have fewer loans to process and less paperwork to deal with (though this can change quickly if rates fluctuate). With lenders less hassled, you can expect a smoother process to get approved for a mortgage. But, as reported in Bankrate.com, there are exceptions to this rule, most notably in warmer parts of the country (especially Florida), ski towns, and in parts of the country where demand is so strong that it will not slacken during the winter months.

Finally, as all savvy shoppers know, after the holiday season comes the season of bargain opportunities. This includes houses, as well.

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Include these Contingencies in Your Offer

Make home purchase contingent on getting information and answers

By Ilona Bray
Nolo.com

Buying a house isn't like buying a television, where you can return it within 30 days if you don't like it. Once the deal is done, it's pretty much done. So it's worth investigating whether you're doing the right thing before the purchase is finalized.

The standard home purchase contract lists several conditions that must be met before the closing will take place, covering issues like financing, inspections, insurance, and more. These conditions are called "contingencies."

How contingencies work
You, as well as the seller, will probably ask that a number of these contingencies be added to the written purchase contract. (As a practical matter, you'll be doing most of this on paper, within your writtenoffers and counteroffers.)

The contract will build in a certain amount of time (usually several weeks) between the contract signing and final "closing" of the deal. (In some states, this period is called "escrow.") During this time period, you and the seller will be working hard to meet or remove the various contingencies (for example, by securing a loan and scheduling inspections), and will advise the other party of progress being made. If either of you fails to meet or remove a contingency, you can either call off the purchase or renegotiate around the issue.

Types of contingencies
Some contingencies are quite standard, and both you and the seller would probably be foolish to reject them. For example, a buyer's inspection contingency is quite common -- in which you condition the closing on receiving and being happy with the result of reports from inspectors whom you hire.

A financing contingency is also common, making the sale contingent upon you, the buyer, securing an acceptable loan or other financing with which to buy the house.

More and more buyers are adding an insurance contingency to their contracts. That's because in recent years, homeowners living in states with a history of household toxic mold, earthquakes, or hurricanes, have been surprised to receive a flat out "no" from the insurance carriers. You can make your contract contingent on your applying for and receiving a commitment in writing.

Other contingencies are less the norm, and become a matter for negotiation. For example, the seller might ask that the deal be made contingent on his or her successfully buying another house. If you need to move quickly, you can reject this contingency, or demand a time limit. Likewise, you can request that the deal be made contingent on your successfully selling your house.)

Next step
Put your contingencies in writing, most likely as part of your offer on the house, or as part of the contract that you and the seller agree on.

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Tax Benefits For When You Sell

Selling means it's time to pay Uncle Sam—maybe

By Broderick Perkins

As the time nears to pay your dues in Club America, your home offers financial shelter from what otherwise could be a taxing expense—especially if you've sold your home when your tax returns are due.

The Taxpayer Relief Act of 1997, credited with having a significant role in keeping the real estate sector ahead of the rest of the economy, is perhaps the best tax shelter your home provides.

Generally, the federal tax law says when you sell your home, if you qualify, you can keep, tax free, capital gains of up to $500,000 if you are married filing jointly or $250,000 for single taxpayers, or married taxpayers who file separately.

Under the law, to qualify for the $500,000/$250,000 exclusion, the home must have been your primary residence for at least two of the prior five years.

The exclusion is not a one-time deal, but a benefit you can use again and again, theoretically every two years -- provided you qualify each time by meeting the owner-occupied-two-out-of-five-years requirement.

If, for example, you have two homes and live in one for two years, sell it and then live in the other for the next two years and sell it, both sales qualify for the exclusion.

Special provisions are available if, through some unforeseen event such as a job change, illness, death of a spouse, divorce, disaster, war or some other hardship, you are forced to sell before you meet the two-year residency requirement.

For qualifying unforeseen circumstances, you can prorate the $500,000/$250,000 exclusion (not your specific gain) if you are forced to sell early. That means if you only live in your home a year (half the two-year requirement) before you are forced to sell because of some qualifying unforeseen event, you can exclude from taxes up to $250,000 (half the exclusion) in capital gains if you are married and file jointly or $125,000 for separate and single filers.

One unforeseen event covered by the provision is the September 11, 2001 acts of terrorism in New York, Pennsylvania and Washington, D.C.

Sellers are eligible to prorate the exclusion provided:

1. A spouse, home co-owner, or person living with the taxpayer was killed by the attacks.
2. The taxpayer's principal residence was damaged.
3. The taxpayer or a person listed in (1) became eligible for unemployment compensation, or
4. The taxpayer or a person listed in (1) had a change in employment or self-employment that resulted in the taxpayer’s inability to pay reasonable basic living expenses for the household.

Selling costs
If, when you sell your home, you realize a taxable gain even after the exclusion, you can reduce your gain with selling costs.

Your gain is your home's selling price, minus deductible closing costs, minus your basis. Your basis is the original purchase price, plus capital improvements, minus any depreciation.

Real estate broker's commissions, title insurance, legal fees, administrative costs and inspection fees are all considered selling costs. Selling costs can also include items otherwise considered repairs—painting, wallpapering, planting flowers, maintenance and the like—provided you complete them within 90 days of your sale and provided they were completed to make the home more saleable.

Moving costs
If a new job forces you to sell your home and move, you can deduct some job-related moving costs. Your new job must be at least 50 miles from the old and you must work full time at the new work place for 39 of the 52 weeks following the move. Deductions include travel or transportation costs and expenses for lodging and storing your household goods.

To be eligible for moving costs deductions if you are self-employed, you must work full-time for at least 39 weeks during the first 12 months and a total of 78 weeks during the first 24 months after arriving at the new job location.

Check with your tax professional and state and local tax authorities to learn about home selling-related tax benefits.

Copyright © by Realty Times

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Focus On Your Kitchen

This room's condition is a major consideration in a sale

By Michele Dawson

If you're selling your home, your best chance at cooking up a sale is in the kitchen.

For today's home buyer, the kitchen is typically the most important room in the house—an area where form and function are equally important. Buyers view kitchens as an area that has many functions—preparing dinner, sharing meals, sorting mail, paying bills, and generally hanging out.

In fact, a recent survey by SieMatic Corp. revealed that 85 percent of respondents said the condition of a home's kitchen is a major consideration when making a purchasing decision.

A major kitchen overhaul probably doesn't make sense when you're ready to sell. But you'll want to do all you can to make your kitchen look its best. Some things you can do to make your kitchen shine include:

Think paint. Slapping on a fresh coat of paint is an easy, inexpensive way to brighten and revive any room. It's best to stick to neutral colors—you never know what the preferences of potential homebuyers will be.

Freshen up your countertop. If your countertop tile is old, grungy or outdated, think about some new tile. This can be done pretty inexpensively, especially if you don't have a lot of counterspace. Again, try to keep it neutral. Although it may be tempting, now's not the time to try out the cobalt blue.

Make a splash. Get rid of that old stainless steel faucet and update it with a sleek, stylish replacement. Today's faucets come in a range of materials and colors.

Copyright © by Realty Times

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We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

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Don't Neglect the Garage

This important space needs to be as clutter free as the home

By Michele Dawson

Your yard is in perfect order, the front door is freshly painted, the interior is sparkling, and soft music plays lightly in the background. Your house is ready for potential buyers. Or is it?

If you're like other whose home is on the market, you've gone through the steps of making your house show well. But how much time have you spent making your garage look its best?

The garage is an important amenity for many homeowners.

Among new-home buyers, about one-fourth want garages that can hold not two, but at least three vehicles, regardless of the additional cost, according to the National Association of Home Builders' report, "The Next Decade for Housing." Most buyers like the extra space for storage.

So, just as you've beautified the rest of your house, making it open and clutter-free, you'll want the same attention given to your garage.

You can achieve that by following these steps:

• Get rid of all that extra stuff. What's in all of those boxes lining the shelves of your garage? Gather all the items you don't use anymore (this would also be a good time to gather those final items from the rest of your house as well) and have a garage sale. Once you've sold everything you can, take everything that's left over to a local charity.
• Dust the walls and corners. Get rid of spider webs.
• Hang up heavy-duty hooks for larger items that are taking up room. This will help the garage look more orderly.
• If you have cabinets, shelves, or ready-made storage systems, organize the contents; get rid of anything you don't need.
• Try to get everything off the floor and into cabinets or shelves.
• Make sure all flammable items, tools, and chemicals are stored away and out of reach of children. You don't want potential buyers to wonder what else you may have handled irresponsibly.
• If you don't already have one, install a smoke detector in your garage.
• Make sure your garage door opener is working. Are all the extra functions operating properly - the automatic light function, the automatic reverse (this is a safety feature that reverses direction when something is obstructing the door), small opening feature for pets, emergency release, and the wall control panel.

And finally, clean those floors:

• Wipe up any excess oil with a towel or cloth.
• Pour some paint thinner on the oil spot, making sure it is fully saturated.
• Pour an absorbent material over the saturated spot. You can use cat litter, sand, baking soda, corn meal, sawdust, or any other absorbent material you may have on hand.
• Leave the mixture to set overnight.
• Sweep up your mixture. If possible, try to use a heavy push broom with sturdy bristles.
• Pour a little laundry bleach, dry dishwasher detergent or a concrete cleaning solution on the oil-marked concrete. Let it sit for about an hour.
• Rinse the area off with hot water and scrub the area with a broom.

If your garage has a workbench, extra storage space, or any unique features, be sure you let your real estate agent know so those features can be pointed out to potential buyers.

And don't forget the garage door, part of the total "curb appeal" package. Make sure it's clean, and if it's worn or marked up, a coat of fresh paint is an easy step that will make a big difference to the house hunters who pull up alongside the curb and will likely see the garage right away.

While a garage usually won't make or break a sale, it could be a tiebreaker and adds to the overall first impression.

Copyright © by Move, Inc.

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We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

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Create a 'Throne Room' Fit for Royalty

A dozen tips for making your bathroom shine when selling

By Michele Dawson

If you're in the midst of selling your home, or plan to do so soon, you probably know all about staging your house so it will "show" well. One area that deserves special attention is the bathroom.

Aside from the kitchen, which most homebuyers consider to be the most important room in the house, the bathrooms are considered a key selling point. That's especially true with the master bathroom or suite area.

This is indicated by the trends seen among buyers of new homes.

"Our second-favorite room is the bath," said Joan McCloskey, a former Better Homes and Gardens Magazine editor who talked about new-home buyer trends at this year's International Builder Show. "Even humble folks are pampering themselves with luxurious bathrooms in the master suite. Our bathrooms set the mood for the day and homeowners want it light, comfortable, and cheerful. Toys in this room and the master include heated floors, little refrigerators, steam showers with multiple shower heads, soaking tubs, towel warmers, fireplaces, and coffee nooks."

The National Kitchen and Bath Association says today's bathrooms are more elaborate and luxurious; one emerging trend is adding columns in the bathroom for a roman spa feel.

While there are common preferences among buyers purchasing move-up or luxury homes, the trends tend to trickle down to entry-level homes -- often in the way of options and upgrades -- and remodeled homes. Potential homebuyers will take note of the state of your bathrooms, whether it's a 1,200 square-foot starter home or roomy executive-style digs.

When it comes to color for fixtures and floors, neutrals are dominant and woods, especially cherry, are in vogue. Granite countertops are popular and nickel is being used more often than stainless steel for faucets. Shower areas are getting more elaborate and multiple shower heads are popular.

If your bathroom is dated, you may want to consider a minor remodel before selling. Remodeling Magazine says you'll recover, on average, 88 percent of the money you spend once you sell. The minor remodel costs an average of $9,720.

If you are willing to spend, some improvements you may want to consider include:

• Replace your bathtub with a whirlpool bath. Or if you don't want to spend that much and your tub is unattractive, replace it with a non-whirlpool variety. A nice shiny tub will make a lot more points than one that is dingy and decades-old.

• Change out your toilets. There are many attractive models on the market, many available for less than $200. And many new models use less water than older ones, another plus for would-be homebuyers.

• Install new flooring. If that old vinyl is worn or unattractive, consider installing tile. If you purchase modestly priced tile you can plan to spend anywhere from $300 to $3,000 tiling two bathrooms and a powder room, depending on the cost of the tile, size of the rooms and whether you do the job yourself or hire someone.

• Add a new vanity. This can be especially impressive in the master bathroom and the powder room. Storage is especially important in the master bathroom, so make sure your new vanity has plenty of storage.

• Replace your sinks. A pedestal sink is a stylish option for the powder room. They come in a range of styles and generally have a large bowl. The drawback to a pedestal design is that you won't have storage space. Also, if you're considering a free-standing basin, you'll need to be sure you choose a spout that can reach the bowl. Another up-and-coming style is the vessel sink, which looks like a bowl on top of the countertop. Some can be installed with a wall-mount bracket. These sinks are stylish and work well if you're aiming to create a simple, geometric look. You'll have a huge variety of choice in materials: cast iron, glass, stainless steel, brass, nickel, copper, stone, and many others.

If you're on a budget or need to sell in a hurry, there are many lower-cost options to make your bathroom look its best, including:

• Add new faucets. Nothing will make your bathroom sparkle more than a stylish new faucet. Be sure you don't go for anything too dramatic. You'll want to choose one that will appeal to a range of tastes.

• Paint. Nothing makes a bigger impact than fresh paint. Go for a light color. To be safe, go as neutral as possible. Light blues and greens are popular bathroom colors.

• Light it up. Warm fluorescent vertical wall sconces will provide you with even lighting on your face -- essential for applying cosmetics or shaving. In addition, a halogen light placed above the vanity provides cross lighting when used with wall sconces. Indirect -- also called cove -- lighting through hidden light source provides a soft, warm glow to the bathroom.

• Keep it clean. Make sure your mirrors sparkle, the water spots are gone and the floors are spotless.

• Hang new towels.

• Install new hardware -- towel and paper rings, and new pulls and knobs for your vanities.

• Accessorize. If you don't have any art on the walls, hang a framed print. Fill a vase with flowers and place it on the vanity or counter. Place a candle arrangement on a bathtub ledge or counter, if space permits. Throw down a new rug to provide texture and color.

Copyright © by Realty Times

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How to Track Down Foreclosure Properties

First, find a local agent that specializes in that area

Novices interested in buying foreclosed houses should find a good local agent specializing in that area, says Steve Berges, a seasoned renovator of distressed homes and author of real-estate investing guides including "The Complete Guide to Flipping Properties" (John Wiley & Sons, 2003).
He says many real-estate brokerages have agents who are experts on foreclosed properties. Some of them advertise that skill in local real-estate publications. Agents who work regularly with banks in finding buyers for foreclosed homes should be able to let you know what's available and guide you through what can be a complicated process. Try to find someone experienced in your market who can recommend an agent.

Another real-estate author, William Bronchick, whose books include "Flipping Properties: Generate Instant Cash Profits in Real Estate" (Dearborn Trade, 2001), suggests finding a local information provider to e-mail you regular reports on notices of default. He pays about $40 a month for one such service covering six counties. There also are national companies that provide such information, but sometimes their information is dated, Mr. Bronchick warns.
A good source of data on repossessed homes being sold by the U.S. government is the Web site of the Department of Housing and Urban Development (www.hud.gov). Information on available homes is updated weekly, HUD says.

Both authors warn that the pursuit of foreclosed properties is highly competitive in some markets and no sure ticket to riches. Berges says he invests in houses only if he is confident he can make at least a 15- to 20-percent return on his money. He wants a wide margin for error because the costs of rehabilitating and selling a house can be hard to predict. That furnace that seemed sound could conk out before you sell the house.

Aside from the cost of buying and fixing the house, you need to add up the likely cost of financing, insurance, taxes and any brokerage commission on your eventual sale of the property, Berges says. "It's not as cut-and-dried as you might be led to believe," he says, but it can be very profitable if you get it right.

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FAQ: Am I Eligible for the Tax Credit?
 

Answers to 23 frequently asked questions about the extended homebuyer tax credit

1. Who is eligible to claim the $8,000 tax credit for first-time buyers?
First-time home buyers who have not owned a home in the past three years and who purchase any kind of home—new or resale—are eligible for the tax credit for 10 percent of the purchase price, up to a maximum of $8,000. To qualify for the current tax credit, a home purchase must occur on or after November 6, 2009 and they must have a binding sales contract in force on or before April 30, 2010. Purchasers have until June 30, 2010 to close.  The full credit is available for married couples filing a joint return whose modified adjusted gross income is $225,000 or less and for other taxpayers who’s MAGI is $125,000 or less. The credit phases out for buyers earning more than those income limits.
Persons claimed as dependents by other taxpayers or who are under age 18 do not qualify for the tax credit program.
Source: National Association of Home Builders, Internal Revenue Service

2. Who is eligible to claim the $6,500 tax credit?
Homeowners who have lived in their current home for at least five consecutive years within the last eight and who want to purchase a different home qualify for a $6,500 tax credit. Home purchase must occur between November 7, 2009 and April 30, 2010. The purchaser has until June 30, 2010 to close.
Source: National Association of REALTORS®

3. What is the definition of a first-time home buyer?
The law defines “first-time home buyer” as a buyer who has not owned a principal residence during the three-year period prior to the purchase. If you have not owned a home in the past three years but your spouse has owned a principal residence, neither you nor your spouse qualifies for the first-time home buyer tax credit. However, IRS Notice 2009-12 allows unmarried joint purchasers to allocate the credit amount to any buyer who qualifies as a first-time buyer, such as may occur if a parent jointly purchases a home with a son or daughter. Ownership of a vacation home or rental property not used as a principal residence does not disqualify a buyer as a first-time home buyer.
Source: NAR, NAHB

4. How is the amount of the tax credit determined?
The tax credit is equal to 10 percent of the home’s purchase price up to a maximum of $8,000 (See No. 12 for price limits) for first-time buyers and a maximum of $6500 for existing owners.
Source: NAR, NAHB
 

5. The income limits for claiming the tax credit were raised when the tax credit was extended. Are the higher limits retroactive?
No. The new income limits are only applicable to purchases occurring after November 6, 2009. The income limits for sales occurring after November 6, 2009 are $125,000 a year for individuals and $225,000 for couples $75,000 for single taxpayers and $150,000 for married couples filing jointly.
Source: NAHB, IRS

6. What is “modified adjusted gross income”?
Modified adjusted gross income or MAGI your total annual income minus adjustments to income. Examples of adjustments to income are Alimony payments, contributions to an IRA, contributions to health savings accounts, or moving expenses for a new job.
Source: Investopedia, IRS
 

7. If my modified adjusted gross income (MAGI) is above the limit, do I qualify for any tax credit?
Possibly. It depends on your income. Partial credits of less than $8,000 are available for some taxpayers whose MAGI exceeds the phase out limits.
Source: NAHB

8. Can you give me an example of how the partial tax credit is determined?
Just as an example, assume that a married couple has a modified adjusted gross income of $235,000. The applicable phase out to qualify for the tax credit is $225,000, and the couple is $10,000 over this amount. Dividing $10,000 by the phase-out range of $20,000 yields 0.5. When you subtract 0.5 from 1.0, the result is 0.5. To determine the amount of the partial first-time home buyer tax credit that is available to this couple, multiply $8,000 by 0.5. The result is a $4,000 credit.
Here’s another example: assume that an individual home buyer has a modified adjusted gross income of $138,000. The buyer’s income exceeds $125,000 by $13,000. Dividing $13,000 by the phase out range of $20,000 yields 0.65. When you subtract 0.65 from 1.0, the result is 0.35. Multiplying $8,000 by 0.35 shows that the buyer is eligible for a partial tax credit of $2,800.
Please remember that these examples are intended to provide a general idea of how the tax credit might be applied in different circumstances. You should always consult your tax advisor for information relating to your specific circumstances.
Source: NAHB
 

9. How is this home buyer tax credit different from the tax credit that Congress enacted in early 2009?
For first-time buyers the tax credit’s income limits were increased, the documentation requirements were tightened, and the program's deadlines were extended. Existing homeowners who buy a new principal residence also now qualify for a credit up to $6500.
Source: NAHB
 

10. How do I claim the tax credit? Do I need to complete a form or application? Are there documentation requirements?
You claim the tax credit on your federal income tax return. Specifically, home buyers should complete IRS Form 5405 to determine their tax credit amount, and then claim this amount on line 67 of the 1040 income tax form for 2009 returns (line 69 of the 1040 income tax form for 2008 returns). No other applications are required, and no pre-approval is necessary. However, you will want to be sure that you qualify for the credit under the income limits and first-time home buyer tests. Note that you cannot claim the credit on Form 5405 for an intended purchase for some future date; it must be a completed purchase. Home buyers must attach a copy of their HUD-1 settlement form (closing statement) to Form 5405 as proof of the completed home purchase.
Source: NAHB
 

11. What types of homes will qualify for the tax credit?
Any home that will be used as a principal residence will qualify for the credit, provided the home is purchased for a price less than or equal to $800,000. This includes single-family detached homes, attached homes like townhouses and condominiums, manufactured homes (also known as mobile homes) and houseboats. The definition of principal residence is identical to the one used to determine whether you may qualify for the $250,000 / $500,000 capital gain tax exclusion for principal residences.
It is important to note that you cannot purchase a home from, among other family members, your ancestors (parents, grandparents, etc.), your lineal descendants (children, grandchildren, etc.) or your spouse or your spouse’s family members. Please consult with your tax advisor for more information. Also see IRS Form 5405.
Source: NAR, NAHB

12. I read that the tax credit is “refundable.” What does that mean?
The fact that the credit is refundable means that the home buyer credit can be claimed even if the taxpayer has little or no federal income tax liability to offset. Typically this involves the government sending the taxpayer a check for a portion or even the entire amount of the refundable tax credit.
For example, if a qualified home buyer expected, notwithstanding the tax credit, federal income tax liability of $5,000 and had tax withholding of $4,000 for the year, then without the tax credit the taxpayer would owe the IRS $1,000 on April 15th. Suppose now that the taxpayer qualified for the $8,000 home buyer tax credit. As a result, the taxpayer would receive a check for $7,000 ($8,000 minus the $1,000 owed).
Source: NAHB
 

13. Will the tax credit need to be repaid?
No. The buyer does not need to repay the tax credit, if he/she occupies the home for three years or more. However, if the property is sold during this three-year period, the full amount credit will be recouped on the sale.
Source: NAR

14. Instead of buying a new home from a home builder, I hired a contractor to construct a home on a lot that I already own. Do I still qualify for the tax credit?
Yes. For the purposes of the home buyer tax credit, a principal residence that is constructed by the home owner is treated by the tax code as having been “purchased” on the date the owner first occupies the house. In this situation, the date of first occupancy must be on or after November 6, 2009 and on or before April 30, 2010 (or by June 30, 2010, provided a binding sales contract was in force by April, 30, 2010).
In contrast, for newly-constructed homes bought from a home builder, eligibility for the tax credit is determined by the settlement date.
Source: NAHB

15. Can I claim the tax credit if I finance the purchase of my home under a mortgage revenue bond (MRB) program?
Yes. The tax credit can be combined with an MRB home buyer program. Note that first-time home buyers who purchased a home in 2008 may not claim the tax credit if they are participating in an MRB program.
Source: NAHB
 

16. I live in the District of Columbia. Can I claim both the Washington, D.C. first-time home buyer credit and this new credit?
No. You can claim only one.
Source: NAHB

17. I am not a U.S. citizen. Can I claim the tax credit?
Maybe. Anyone who is not a nonresident alien (as defined by the IRS), who has not owned a principal residence in the previous three years and who meets the income limits test may claim the tax credit for a qualified home purchase. The IRS provides a definition of “nonresident alien” in IRS Publication 519.
Source: NAHB
 

18. Is a tax credit the same as a tax deduction?
No. A tax credit is a dollar-for-dollar reduction in what the taxpayer owes. That means that a taxpayer who owes $8,000 in income taxes and who receives an $8,000 tax credit would owe nothing to the IRS.
A tax deduction is subtracted from the amount of income that is taxed. Using the same example, assume the taxpayer is in the 15 percent tax bracket and owes $8,000 in income taxes. If the taxpayer receives an $8,000 deduction, the taxpayer’s tax liability would be reduced by $1,200 (15 percent of $8,000), or lowered from $8,000 to $6,800.
Source: NAHB
 

19. I bought a home in 2008. Do I qualify for this credit?
No, but if you purchased your first home between April 9, 2008 and November 6, 2009, you may qualify for a different tax credit. Please consult with your tax advisor for more information.
Source: NAHB
 

20. Is there a way for a home buyer to access the money allocable to the credit sooner than waiting to file their 2009 or 2010 tax return?
Yes. You have several options.
Prospective home buyers who believe they qualify for the tax credit are permitted to reduce their income tax withholding. Reducing tax withholding (up to the amount of the credit) will enable the buyer to accumulate cash by raising his/her take home pay. This money can then be applied to the down payment.
Buyers should adjust their withholding amount on their W-4 via their employer or through their quarterly estimated tax payment. IRS Publication 919 contains rules and guidelines for income tax withholding. Prospective home buyers should note that if income tax withholding is reduced and the tax credit qualified purchase does not occur, then the individual would be liable for repayment to the IRS of income tax and possible interest charges and penalties.
Second, you may claim the tax credit and participate in a program financed by tax-exempt bonds. As a result, some state housing finance agencies have introduced programs that provide short-term second mortgage loans that may be used to fund a down payment. Prospective home buyers should check with their state housing finance agency to see if such a program is available in their community. Here is a list of state agency loan programs with information on how to apply.
Source: NAHB, National Council of State Housing Agencies

21. HUD is now allowing "monetization" of the tax credit. What does that mean?
It means that HUD allows buyers using FHA-insured mortgages to apply their anticipated tax credit toward their home purchase immediately rather than waiting until they file their 2009 or 2010 income taxes to receive a refund. These funds may be used for certain down payment and closing cost expenses.
Under HUD’s guidelines, non-profits and FHA-approved lenders are allowed to give home buyers short-term loans of up to $8,000. The guidelines also allow government agencies, such as state housing finance agencies, to facilitate home sales by providing longer term loans secured by second mortgages.
Housing finance agencies and other government entities may also issue tax credit loans, which home buyers may use to satisfy the FHA 3.5 percent down payment requirement. In addition, approved FHA lenders can purchase a home buyer’s anticipated tax credit to pay closing costs and down payment costs above the 3.5 percent down payment that is required for FHA-insured homes.
Source: NAHB
 

22. If I’m qualified for the tax credit and buy a home in 2009 (or 2010), can I apply the tax credit against my 2008 (or 2009) tax return?
Yes. The law allows taxpayers to choose (“elect”) to treat qualified home purchases in 2009 (or 2010) as if the purchase occurred on December 31, 2008 (or if in 2010, December 31, 2009). This means that the previous year’s income limit (MAGI) applies and the election accelerates when the credit can be claimed. A benefit of this election is that a home buyer in 2009 or 2010 will know their prior year MAGI with certainty, thereby helping the buyer know whether the income limit will reduce their credit amount.
Taxpayers buying a home who wish to claim it on their prior year tax return, but who have already submitted their tax return to the IRS, may file an amended return claiming the tax credit using Form 1040X. You should consult with a tax professional to determine how to arrange this.
Source: NAHB
 

23. For a home purchase in 2009 or 2010, can I choose whether to treat the purchase as occurring in the prior or present year, depending on in which year my credit amount is the largest?
Yes. If the applicable income phase out would reduce your home buyer tax credit amount in the present year and a larger credit would be available using the prior year MAGI amounts, then you can choose the year that yields the largest credit amount.
Source: NAHB

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Affordability Options For First-Time Buyers

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What is PMI?
 

This insurance policy is a gift to your lender
 

By Courtney Ronan

If you're preparing to make the transition from renter to first-time homebuyer, you've undoubtedly been told by wide-eyed veterans of the homebuying process (or renters who equate homebuying with certain poverty), "Watch out for that PMI." PM what? PMI, as in Private Mortgage Insurance. It's a fact of life for homebuyers who put down less than 20 percent on their homes (and with home prices on the rise, that's most of us). From the lender's perspective, PMI is a necessary protection. For homebuyers, it's not likely to be the deciding factor that causes financial ruin; after all, you've got your principal and interest, which can make your PMI look like pocket change.
 

Nevertheless, first-time buyers often experience trepidation when they see that mortgage payment on paper for the first time, so the addition of a PMI isn't a welcome sight. In short, the PMI adds a weighty cherry to the top of an already overwhelming sundae.
 

So how exactly does PMI protect your lender? First, let it be said that PMI was designed strictly for your lender's protection and not yours. Essentially, there's nothing in the PMI for you ... except a lighter wallet.
 

The PMI gives lenders incentive to seek out more business—in other words, to find more homebuyers like yourself, many of whom have never bought a home before and, like you, are able to put down the bare minimum 3 percent down payment. In a sense, we can all be grateful for the PMI, because without it, if you didn't have 20 percent to put down, you'd probably be out of luck.
What lender would take the risk on a 3 percent downer?
 

A few factors to consider before you jump on the PMI bandwagon: First, it's not inevitable. Some lenders won't ask you to pay a PMI, so you'll want to do some comparison shopping, investigate your alternatives and discuss your options with your Realtor if you're unsure about the best route to take. If you want to make your PMI premiums tax-deductible, find a lender who will give you the option of including your PMI within the interest rate you've agreed to pay for your home loan. But with every pro, of course, there's a possible con.
 

If you opt for a conventional loan (versus FHA), such loans will often eliminate your PMI when you've achieved 20 percent equity. For first-time buyers, it needs to be stated that it's going to take you many, many years to reach 20 percent equity. National trends certainly indicate that most of us will move out of our homes long before we reach that mark; five to seven years is the average. But let's say you remain in your home long enough to reach that 20 percent equity milestone. If you have your PMI premiums included in your loan's interest rate, your PMI won't go away once you achieve 20 percent equity.
 

If you remain consistent with the national trend and either move out of your home within five to seven years or refinance it, including your PMI in your loan interest rate probably makes sense from a tax perspective. One other factor to consider: If you live in a region of the country where property values are skyrocketing and show no signs of slowing down (example: San Francisco or San Jose, Calif.), you're likely to reach 20 percent equity in a much shorter amount of time than in a market where property values are increasingly more slowly.
 

Homebuyers who obtained home loans either on or after July 29, 1999, have a loophole: They're entitled to the immediate cancellation of their PMIs upon their achievement of 22 percent equity. Another safeguard on your side is outlined in the Homeowners' Protection Act of 1998, which actually enables homeowners to request the cancellation of their PMIs prior to reaching 22 percent equity. Homeowners—with the exception of those with FHA loans, who are not given the opportunity to cancel their PMIs before the entire loan is paid off—may request the cancellation of their PMIs upon reach 20 percent equity.
 

So while the PMI isn't a welcome sight each month, you are granted some concessions in exchange for the financial inconvenience. The silver lining of this "necessary evil" is that it allows thousands of renters each year achieve the American Dream of homeownership.
 

Copyright © by Realty Times

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Debt Reduction Not Required to Buy

Cash on hand may be more important

Q: I would like to purchase my first home in 6 months. A loan officer pulled my credit report a few months ago and I've almost paid off my bills. I have about another $4,000 in balances left on four accounts. Should I pay off my debt before buying a house?
A: The answer always depends on several factors, but as a general rule - no. If you're looking to purchase a house soon, like the reader above, then you need cash for down payment (unless you're looking at a zero down program), closing costs and then reserves.

The down payment can range from 1 percent up. In the above example, the $4,000 could go a long way toward closing. But if you spend all your extra cash to pay off that amount, then you are at ground zero again and have to start saving up for the above mentioned expenses.
Besides, the traditional debt-to-income ratio calculation allows buyers to have consumer debt when qualifying for the loan. The standard debt ratio is 28/36 - 28 percent of your income can be used for your mortgage payment, which includes taxes and insurance; and 36 percent for the mortgage payment plus the rest of your debt.

For example. A person who wants to purchase a $200,000 property with a 10 percent down payment must qualify for a $180,000 loan. At 7 percent on a 30-year fixed rate, the estimated PITI would be about $1,400 per month (depending on your local property tax rate). That payment is 28 percent of $5,000, which means our buyer would have to make $60,000 annually to qualify for the above described loan.
 

In addition, the borrower can have another 8 percent in debt - bringing his or her total debt payments to $1,800 per month. As you can see, if you pay off a loan balance for $4,000, but it only gives you another $75 - $100 in monthly cash flow, it's not going to positively effect your buying power. It just eats up the cash you would have had without paying off the debt.
 

Granted, there are some loan programs that allow higher ratios, but you are more than likely going to pay higher interest rates and points to use that type program.
Keep in mind, I adhere to the G.O.O.D. principle - Get Out Of Debt - just as a matter of smart money management. But it's not always the best move to pay off all your debt while you're trying to save money for the purchase of your house. Owning a home is always a lot better than renting and if paying off your consumer debt first keeps you out of the housing market, then you're really losing money by paying rent instead of building wealth and taking advantage of tax benefits through homeownership.
 

This is especially true if you live in an area that is experiencing good appreciation in home values. If nothing else, you can refinance your house in a few months or years and pay off the debt with cash from your equity. This way, the interest now being used to pay off the credit card balances is tax deductible, because it is part of your house payment.
 

If the $200,000 property above is appreciating at 5 percent (just below last year's national average of 5.5 percent, according to the National Association of Realtors), then in one year, that house will be worth $210,000. The next year it will be worth $220,500 - which gives you more than $40,000 of equity to dip into to pay off consumer debt if you want to. (The $40,000 comes from subtracting your loan amount - $180,000 - from the current value of your house - $220,500.) With a bit of patience and budgeting, you've now started building wealth by leveraging your money. The $20,000 down payment has more than doubled, you now have equity to pay off debt and you're taking home more of your paycheck because you can deduct all that interest each year from your income, thus lowering your tax bill.
 

Copyright © by Realty Times

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The key to selling a home for the best price and with the fewest hassles is attract as many potential buyers as possible into the property. And, this task should be completed in the shortest amount of time.  The following are suggestions that can help you reach your home selling goals: 
 

1. It is critical that you make your home emotional and appealing. Home buyers purchase a residence based more on its emotional appeal than on any other single factor. To maximize your home selling profits, it must show very well. With the guidance of a real estate professional, your home should be made as emotionally appealing as possible.
 

2. To maximize your net selling proceeds; you must have an aggressive, well-organized marketing plan. Because there is a direct correlation between the number of potential buyers who view your home and its final selling price, you should do everything possible to access 100%+ of the available buyer pool. A great marketing plan is often designed to attract buyers from sources that most laymen don’t even know exist. 
 

3. Quality advertising is critical to selling a home with minimal inconvenience and for the best possible price. Be sure your home is advertised in publications that maximize exposure and attract the greatest number of buyers. Finding these sources will require either experience or a substantial amount of research.
 

4. A well-recognized sign placed in front of a property can make a big difference in the benefits received by a home seller. The recognition and familiarity that come with a well-known real estate sign make a potential buyer more likely to view a property. And, as we have already discussed, more buyers usually mean a higher net for the seller. 
 

5. A unique and powerful strategy to help sell a home is to implement an extensive and aggressive Choose a Neighbor program. A neighboring homeowner may have a friend, relative or acquaintance that might be searching for a house. If these neighboring homeowners are made aware that a property is available, they often introduce the “For Sale” home to potential buyers.
 

6. An extremely professional informational and photo brochure should be created for your home. This brochure must feature top quality photos and an exclusive, detailed home description. A quality brochure is one of the most effective tools available to a home seller.
 

7. Open Houses should be held if the property is in a location that would make holding a home open appropriate, beneficial and convenient for the seller. The keys to a successful Open House are to display the home correctly, to have the proper signage and to market the event to as many potential buyers as possible. Follow-up with the people who attend the Open House is also critical.
 

8. Following-up with each potential buyer who has viewed a home is extremely important to home selling success. A homeowner must know what buyers and agents who have viewed the residence are thinking. When a seller becomes aware of problems that are keeping potential buyers from writing offers, he can make the needed corrections.
 

9. A home seller can increase the size of the buyer pool for his/her property by exposing it to as many worldwide referral networks as possible. These networks, usually established between professional real estate organizations, are an incredible source of potential buyers.
 

10. In today’s world, where over 70%+ of all potential home buyers begin their property search on the Internet, it is important to have a “For Sale” property displayed on as many websites as possible. By doing so, a home will be exposed to many thousands of buyers; locally, nationally and internationally.
 

11. Approximately 66% of all people who move from one home to another, do so within the same community in which they have been living. For this reason, it is often to a home seller’s advantages to target market his property to homeowners who would view his home as a potential move-up residence. By doing so, the home seller can stimulate buyer interest from people who might otherwise never know the home is available.
 

12. The most important aspect of selling a home is to have it priced correctly. Homes that are priced correctly sell for the most money, with the fewest possible hassles. It is critical to thoroughly research what buyers have been willing to pay for like properties and to price the subject home accordingly. Overpriced homes, in the end, usually sell for less.
 

13. The majority of homes that sell do so through cooperation between two real estate agents. Because agents share information and expose their listings to other Realtors through the Multiple Listing Service, it is important that a home, to receive maximum buyer exposure, be listed in this cooperative system. Homes that are not listed in the MLS miss being exposed to thousands of buyers and, of course, fewer buyers usually mean a lower final sales price.
 

14. One of the keys to selling a home for the most profit is to make it convenient for potential buyers to view the property. Any access limitations discourage some buyers from viewing a home. It is critical that the residence be accessible at the times when buyers are available. Those times are daily from 9:00 AM to approximately 8:00 PM.
 

A. A home seller cannot wait around hoping a buyer will discover his/her home and purchase it. Buyers must be aggressively sought through an efficient and effective marketing plan.
B. Maximizing a home’s exposure requires that a financial investment be made in quality marketing tools and systems.
C. A step-by-step, organized, effective marketing plan, one that has proven itself to be the successful, must be implemented to maximize a home’s exposure.
D. The person who is marketing a home must know the real estate business! This knowledge comes from both formal real estate education and from hands-on experience. 
E. A home should be marketed with specific goals in mind. These goals should include getting the best possible price, in the shortest amount of time. It should be marketed with the fewest possible inconveniences to the homeowner.
F. The hazards of overpricing include: To maximize value and minimize inconveniences, a home seller must access 100%+ of the available Buyer Pool. Buyers must be attracted from as many sources as possible.
 

Your satisfaction is our only purpose. If you would like a more thorough presentation of Home Selling Strategies, or if you would like to know the value of a property you own, please click here. We would be happy to provide you with a no-cost, no-obligation professional property evaluation.
This article originated on moveup.com

Why Isn't My Home Selling?

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Price is the No. 1 culprit

By Rick Hazeltine

If your answer is price, you’ll be right a good majority of the time. If your home isn’t selling, buyers think the value of your house is less than the price you want.

For all the time and effort that goes into buying and selling, the economics of the process is relatively simple. Anything is only worth what a buyer is willing to pay and a seller willing to accept. This is the same whether it’s a pack of baseball cards or a $1 million house.

Although the economics may be simple, arriving at that magic price is difficult. Just think of the cost, time and energy that companies put into pricing a product so it succeeds in the marketplace. It’s no different in real estate.

If you’ve taken the time to educate yourself on the local market and are diligent in hiring a professional agent, and are willing to listen to her, you can get a lot closer to the magic number. But you are setting yourself up for disaster if you don’t do your homework and go with what you “feel” your house is worth. Worse yet, is interviewing agents and choosing one solely because she says she can get you more than what the other agents think the house will sell for.

These are some of the most common mistakes sellers make when setting a price:

Price based on need
What you want to make from selling your home means absolutely nothing to buyers or the marketplace. So setting a price based on what you want so you can retire, move up, start a business, etc. will almost certainly fail.

Price based on ego
Your neighbor sold for $200,000 last year so you want $210,000 because you “know” your house is better. Regardless that the market dropped five percent since your neighbor sold. Nearly every owner thinks their house is the best on the block, or at least better than any of the ones that have recently sold or are on the market. Unfortunately for sellers, your opinion doesn’t carry any weight with buyers. Only their opinion matters.

Price based on greed
Even if it’s been shown that your house will likely sell for around $250,000, you insist on listing it for $275,000 because “you never know, someone could come along who just has to have it. Besides, if we don’t get any bites we can always lower the price later.” The problem is it won’t take long for buyers to realize your price is unrealistic and think you are, too, and won’t want to deal with you unless the house is “a steal.” The listing languishes, so you drop the price, but not enough, it sits even longer and pretty soon you have a listing that’s been on the market so long buyers decide there is something wrong and steer clear.

The solution is to get the price right. This is done by using what is called a Competitive Market Analysis (CMA). If you’ve hired the right agent, this is the first folder out of their briefcase when you meet to list your home. A CMA breaks down the sales price of homes that are similar to yours in location, size, age and condition.

Your agent will also consider the listing prices of homes on the market, but these are used more to identify the competition. Even with a strong agent and CMA, your price may not be on target. That’s because the market is always changing and your agent should be updating your CMA whenever anything comparable to your property sells.

Not every reason your home isn’t selling will be the price, although they will be related to it. Here we have that value vs. price issue. If buyers perceive imperfections in your listing, they will want a discount, so if they’re not buying, your price is not discounted enough for buyers to believe the value to them at least equals that of your price.

For example, if your lawn is brown and the landscaping worn, buyers will want a discount. The problem is that a seller will not consider this a major issue and attach a much lower discount than a buyer will accept.

This is why it is imperative that sellers do everything they can to eliminate any issues buyers may have with their house before listing. Obviously, you can’t do anything about a bad location, such as being near railroad tracks, or that you have just one bathroom. But you and your agent should have factored these drawbacks into the listing price.

Here are some of the most common reasons buyers are turned off by a particular house, so make sure these are addressed before lopping thousands of dollars off the asking price:

Put on a good show
This is the second biggest reason a home isn’t selling. Buyers often talk of “connecting” to a house. This is not likely to happen if your house is not company-coming-over clean and ready to show like a model. This goes for the outside as well. If you don’t want to put the effort into doing this, then you’d better adjust your price to compensate because buyers will only consider your house because it’s a good deal, not because it “speaks to them.”

Can’t buy what they can’t see
If you make it difficult for people to see your property, then chances of a sale at the price you want drops considerably. Selling can be a nuisance, but it’s a necessary one. If you don’t allow a lockbox or require appointment-only showings, you are the culprit to the house not selling.

Out of your hands
It’s not always the seller’s fault that a house isn’t selling. Sometimes the market changes and buyers disappear. Maybe a new home development has opened nearby and they are “stealing” the customers. Or maybe you’ve received bad advice from your agent. Any of these can affect whether your house sells, which means you need to consider the reasons and make the necessary adjustments.

Copyright © by Move, Inc.

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Clear the Clutter and Sell Your House

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14 ways you can make your house show better

By Diana Lundin

You don’t have to be a minimalist when it comes to your decor but if you want to sell your home, your chances improve greatly if you get rid of the clutter.

While curb appeal speaks volumes, once potential buyers enter your house, you want them to be able to picture themselves in it. And they can’t do that if your stuff is spilling out all over the place. Clutter is confusion to prospective buyers and that puts you at a disadvantage right away.

If you’re living in a cluttered home, you may not be able to see disarray. You see sentimental tchotchkes, memories of your beloved grandparents, or knick-knacks from a great vacation; the buyer, on the other hand, sees chaos. They can’t separate the house from the clutter and in a market where there are more homes than buyers, you need every advantage you can get.

Even if your house is clean, having stuff crammed in every nook and cranny is visually unappealing.

What to do?

Well, you don’t need to hire a stager, at least not initially, but you should consider renting a storage space and clear everything out.

Make the house neutral. Make it possible for buyers to mentally move their own belongings in.

As with any type of decluttering project, make piles of things you’re going to save, things you’re going to donate, and things you’re going to throw away. Be ruthless. There’s a lot of money at stake, after all, especially if you need to sell your house fast.

Call a local charity to pick up your items or drop them off yourself. If you can absolutely, without a doubt have a garage sale or sell items online, you can do that as well but it might be best if you can just say good-bye to what you don’t need any more and give to a charitable organization. Yard sales, eBay and Craigslist take time and organization that you might not have during the selling process.

Keep what you’re going to save and store it. You’re not getting rid of it, you’re just getting it out of sight.

And throw things away. Really. It's time.

Here are some particular areas you should pay attention to as you declutter.

• Keep furniture to a minimum in your living areas so that your rooms look bigger.
• Clear out shoes, coats, umbrellas and other outdoor items from your foyer or mudroom.
• Move out big pieces of equipment, such as guitars, amps, drum sets, or exercise equipment.
• Take down your personal photos and store them for yourself. Let the buyer imagine putting pictures of their own family on the walls, tables and shelves.
• Get rid of old newspapers, books and magazines, recycling if you can.
• Organize your wires in computers, printers, televisions and other electronic equipment so that it doesn’t look sloppy and overwhelming.
• Take away those boxes of tissue, medicines, magazines and other items you might have on your nightstand and keep just lamps, clocks and maybe a book or two on them.
• Edit your bookshelves so that you have a neat, orderly space with books and perhaps a few decorative items, like a vase, globe or other art object.
• Remove everything from your kitchen countertops, keeping only essentials like a toaster. Add decorating items sparingly (bowls of unblemished fruit look nice). And clear off all those magnetized coupons and your child’s artwork from the refrigerator.
• Arrange the shelves in your pantry nicely. Have everything point in the same direction so that it looks neat and organized.
• Get rid of sickly plants and only keep a few healthy looking ones on display.
• Make sure your beds are made and all extraneous items, like clothes, toys or shoes, are off the floor.
• Clear out the bathrooms and spruce them up with some fresh soaps, towels or maybe flowers. Hide your razors, toothbrushes and shampoos out of sight in a cabinet while your house is being shown.
• Clean out your closets so they aren’t packed to the rafters.

Copyright © by Move, Inc.

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We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

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Learn how to negotiate to get the price you want

By Broderick Perkins

A buyer's market is spreading nationwide during a season when buyers are already in short supply. That makes it a crucial time for sellers to dust off those concessions and hone their negotiating skills.

Resale home sales tumbled 11.7 percent in September, the largest plunge since resale homes fell 12.5 percent in April 1995, according to the National Association of Realtors.

That put the seasonally adjusted annual pace of homes sales at 4.89 million units, the lowest since July of last year.

"This is not surprising given the terrorist impact of the week of Sept. 11," said David Lereah, chief economist for the NAR.

Lereah said home sales activity was significantly disrupted in the days following the attacks on New York's World Trade Center and the Pentagon, which killed thousands of people. Contracts and closings that week came to a virtual standstill around the country, he said.

Perhaps, but markets like Denver, Silicon Valley and others were already feeling the brunt of economic turmoil and the once-spared housing sector has begun to take some licks.

Nationwide, as inventories rose, prices fell to $148,100 from August's record level of $153,700. September's level was 4.6 percent higher than September a year ago, NAR said.

Sellers who've done their homework and can document evidence that they've priced it right can hold the line against demanding buyers.

Here are some strategies that can owners get the price you've set. Whatever concessions you make, put them in writing as part of the sales contract.

Copyright © by Realty Times

Buyers, Get an Edge During The Busy Spring Season

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Getting started early is key to success

By Michele Dawson

The spring and summer months are traditionally the busiest times of year for the residential real estate market. Weather is more cooperative and many families like to move while the kids are on their summer break.

But in recent years spring, for many regions, has meant more homes on the market, but also more buyers, fierce competition and an increase in prices.

If you're in the market for a house this spring, there are a number of steps you can take to try to give you the advantage over other homebuyers, including:

• If you're going to work with a Realtor or real estate professional, get started early. Interview three or four, get references and let the person you choose know exactly what you're looking for.
• Get your loan pre-approved. This will give an advantage on several fronts. First, it will be done and out of the way. Second, you'll know how much the bank is willing to loan you so you know in which price range to look. And third, it shows sellers that you're serious and ready to buy when you make an offer.
• Figure out how much you have for a down payment. NAR says first-time buyers typically make a down payment of 6 percent on a home purchase, and 24 percent of down payment funds were gifts from relatives or friends. If that's not an option, there are many loan programs that accept down payments of five or three percent. And don't forget closing costs, which will often run two to seven percent of the property's purchase price.

• Be ready at a moment's notice. If you're in an especially tight market, your Realtor will be reviewing new listings as soon as they're available. If he or she finds something that matches your criteria, you'll want to look at the house and be ready to make an offer -- quickly.

• When looking at houses, look at the potential. There are major factors you won't be able to change -- the neighborhood, proximity to work and schools, the basic floorplan of the house (unless you plan on completely renovating), and size of the back yard, among other things. If you're put off by paint or carpet color or old linoleum floors, envision what the walls will look like with your color of choice and the floors in a material you prefer.

• If you're buying in a seller's market, listen carefully to your Realtor or agent about how much you should offer. If there's competition you may want to offer more than the listing price and you shouldn't try asking for things like carpet allowances or a long closing date. If you know sellers may have several offers in front of them, you'll want to make yours the best.

• Begin thinking about homeowners' insurance now. Begin by making sure your credit report is accurate -- credit histories are sometimes used to determine whether a company will insure you, and, if so, at what rate. Also, the Insurance Information Institute says you should get a copy of your loss history report, such as a CLUE report from ChoicePoint or an A-PLUS report from Insurance Services Office. This is a record of home insurance claims you have filed. If you have not filed any insurance claims in the past five years, you won't have a loss history report. The better your report, the better chance you'll have of obtaining reasonably-priced insurance on the house you buy. And if you're renting, make sure you have renter's insurance -- it's helpful to have insurance history when you obtain insurance for your new house.

Copyright © by Realty Times

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We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

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Breaking Down the Offer

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The truth is in the details

By Rick Hazeltine

After all the preparation and waiting you finally get the call you’ve been waiting for: Someone is writing an offer.

First, you experience a rush of adrenaline, followed by the thought it could be a low-ball offer. Welcome to the rollercoaster. Agents don’t usually want to tell you the amount of the offer over the phone because there are other aspects to consider, such as contingencies, seller concessions and real property requests.

It’s only natural to focus on the price, but once you’ve processed that, make sure to look at the rest of the offer before you jump up and down or ready a tirade. It’s possible to get a full-price offer and have it net you less money than one $20,000 under your asking price.

Your agent will help break down the offer but it’s a good idea to have a working knowledge of the contract beforehand. Although real estate sales contracts can vary by state, they generally need to include similar information. Here’s a look at what you’ll find in a real estate sales contract that could affect your bottom line:

Earnest money deposit. This is intended to show how serious the buyer is. If an offer might be thought of as weak, a buyer will sometimes include a large earnest money deposit to show they are committed to purchasing the property. The buyer usually dictates where the deposit is to be held and that’s rarely in the hands of the seller. Usually, the check goes to a third party, such as escrow, an attorney or even a broker’s trust account. This depends on local real estate custom. The earnest money deposit usually goes toward the buyer’s down payment. If either party is unable to meet the agreed upon contingencies and the deal falls apart, the buyer receives their deposit back. Most real estate contracts also have a section on any disputes going to arbitration, so the odds of the seller getting all or a portion of the earnest money deposit if the buyer backs out, is doubtful.

Purchase price. This is the line everyone cares about the most. But before breaking out the champagne, read on and make any adjustments to the price based on what the buyer wants as part of the offer.

Mortgage contingency. This is likely the first contingency you will see. Here, the buyer state’s their offer is based on acquiring a mortgage for a certain term and rate. You need to make sure the rate and term are realistic. Occasionally, a buyer will use this as an out clause by stating unrealistic figures, such as a 30-year, 5 percent fixed-rate loan with no points when that type of loan carries a 7 percent rate with 1.5 points in your area. If this goes unaddressed, a buyer could be hedging their bet by tying up your property and then backing out because of cold feet or they find something they like better. It doesn’t happen often, but you need to be aware of the possibility. Also, make sure there is a realistic time limit stated in the contract, otherwise the buyer can take as long as they want “looking” for terms that they are not going to get. This is also where a buyer would specify whether they want you to carry back a first or second mortgage.

Seller concessions. This could be anything from the seller paying some or all of the buyer’s closing costs to agreeing to having seller funds put aside to pay for a new roof. If you are in a hot market, buyers usually ask for few concessions because they know they aren’t likely to get them. The cooler the market, the more seller concessions the buyers want.

Inspection contingencies. Here the buyer states that their offer is contingent on them accepting a home inspection report that they pay for. It also can include contingencies for the pest, well and/or septic inspections. Legally, they could include a contingency for their mother-in-law approving the purchase, so make sure the contingencies are realistic.

Personal property. This is where the buyer can ask for everything and the kitchen sink. They may not want anything or they may want your great aunt’s grand piano that looks great in the music room, or the fountain in the back yard. They may want the washer and dryer or the refrigerator. Basically, anything that is physically attached to the property is considered part of the transaction and would belong to the buyer. This would include light fixtures, a dishwasher or custom book cases. Furniture or a refrigerator are not attached and therefore belong to the seller. As the seller, though, make sure to state in your listing or any counter offers if there are “attached” items that will not be included, such as the dishwasher, Viking stove and trash compactor that match your fridge or your antique light fixtures. Buyers may also include items they want removed before closing, such as the dilapidated shed or the 27 cans of old paint in your garage.

Appraisal contingency. The buyer will include this to make sure the house appraises for the sales price. In rare cases, a bank won’t appraise the house for the agreed upon price. It becomes more common if there are more seller concessions. For example, if the agreed upon price is $300,000 but includes up to $10,000 in buyer closing costs, the house may not appraise if it’s really worth $295,000

Buyer selling property contingency. You may get an offer that is contingent on the buyer selling their property. Sellers must be careful of this situation. Basically, the buyer can only fulfill the contract if he sells his house. The key to this contingency is to make sure there is a time limit, otherwise the buyer can tie up the property for possibly months or longer. Usually, a seller responds by including a 72-hour clause, also known as a kick-out clause. This clause allows the seller to keep the house on the market. If another offer is received, the seller gives the buyer 72 hours to fulfill the contract or the deal is cancelled.

With all of these other aspects to an offer to consider, it should be obvious to a seller that the purchase price is just the beginning. You won’t know how much the sale really gets you until all the other factors are subtracted or weighed.

Copyright © by Move, Inc.

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We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

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A House That Looks Good Will Sell

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How to attain curb appeal

By Al Heavens

A house should have curb appeal, they say, but what exactly does that mean?

What it means is that, if a buyer drives past a house at 5 or 10 m.p.h., the front of the place should be alluring enough for that buyer to stop the car. If the seller has done the job properly, the buyer should then get out of the car and write down the real estate agent's name and number.

You can achieve curb appeal - which the National Association of Realtors says sells 49 percent of all houses - whether you have a city townhouse with no front yard or a suburban house with trees and a lawn.

One facet of curb appeal you may not be able to control is the condition of your neighbors' houses and yards. If they all look nice, then the buyer will become as intrigued with the neighborhood as with your house. If the other yards are filled with kids' toys, and the buyer has children, that means potential playmates.

If the other yards are filled with rubbish and junk cars, good luck to you.

From my personal curb-appeal file, here's how to handle prettying up city and suburban (or semi-suburban) houses for sale:

The yardless townhouse: It is 1987, the real estate market is beginning to deflate, and there is a surplus of townhouses for sale downtown. There is the added disadvantage of living near a public-housing project with the accompanying perception of high crime.

The advantages: Close-knit neighborhood with nice, well-done townhouses, a school around the corner, a turn-of-the-century social club being renovated as apartments, children playing in the street serve as a deterrent to criminals, no abandoned cars, and lots of street trees.

In this case, I touched up the blue paint on the trim and on the front door, and added shutters to the living room window.

I bolted a flower box to that window ledge and a half-barrel on the side of the two marble steps up to the front door and filled both - and a small area around the tree in front of the house - with impatiens.

I made sure the steps were washed and bleached white.

On open-house days, I rewarded the children with ice cream if they kept the noise down to a roar and sat on someone else's steps for two hours.

Results: The ultimate buyer was at the first open house, even though the house was on the market for five months and two real estate brokerages.

Lessons learned: Give all the kids ice cream. I missed one, who erroneously, and loudly, reported that someone had stolen her bike during an open house.

The city house with front yard: It is June 2001, the real estate market is unstoppable, and there is a shortage of housing in the $150,000-to-$300,000 range.

The advantages: There's the shortage, of course. The semi-suburban neighborhood is beautiful, filled with trees, the azaleas are in bloom, the street is open again after a year of railroad-bridge replacement, and my neighbors are tired of my writing about them and would do anything to see me go.

The disadvantages: The beer distributorship at the corner produces a lot of trash. The street is a main route between two major city avenues.

The solution: Touch up the front of the house, including washing the mildew from the porch columns and rails. Put a new coat of paint on the porch floor, keep the hedges trimmed neatly, plant plenty of flowers, and use lots of dark mulch that you should water regularly.

Repaint the concrete bench under the dogwood. Replace and paint the stairs to the porch. Repair the sidewalk.

Make sure the lawn is mowed once a week and watered regularly. Dead-head the flowers. Pick up trash not only in front of your house but in front of your neighbors' houses.

Wash the windows.

Results: House is on the market for a weekend. Eighteen couples have appointments on day two, 50 groups appear at open house on day three. Seven offers, two at asking, five over.

Lessons learned: A lot of ugly houses sold over asking price last spring, but you can't assume that your ugly house will. Never take risks, but don't go overboard trying to pretty up.

Remember, at first contact, it is not how good the house feels but how good it looks.

But once you get them through the door, you better be real sure that what's inside looks as good as what's outside.

Copyright © by Realty Times

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

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As you read and study about buying real estate, you will often find the words "house" and "home" used interchangeably. There is a huge difference between a house and a home.

A house can be a place to eat, sleep, park your car, and put all your "stuff" (including other family members). It is a material possession and an investment. A home is where you feel comfortable, warm, safe, and protected.

A home is where you live.

A house is something you buy logically. A home is an emotional purchase. When buying real estate you have to balance your emotional wants and your logical needs because there will almost certainly be a time when the two conflict.

Example

For example, you may want a house with a view, but the payment is higher than you feel comfortable with on a thirty-year fixed rate mortgage.

What do you do?

Purchase the house anyway and budget more carefully for the next few years? Buy the same house without the view and get it cheaper? Make a larger down payment by borrowing from your 401K or family members, so you get a lower payment? Get an adjustable rate mortgage with a smaller payment instead of a fixed rate loan? Or buy a smaller house and still get the view?

When viewing the house, most people look at it emotionally and envision it as a safe, happy, comfortable home. Later, when making the offer or filling out a mortgage application, your logic may begin to kick in, instead. That's when "buyer's remorse" may come up, but...that's a different article.

Balancing Act

The trick in buying real estate is to view all decisions with both a logical perspective and an emotional perspective. If a situation presents itself that requires a trade-off, decide on whether there is a huge conflict or a small one. Logic should win the big conflicts, but emotion should always be a factor, even winning the small ones.

You will find yourself owning a warm, happy, safe home – and an investment for the future at a price you are willing to pay.

Buy or Sell First?

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Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

Can I Safely Walk Away from My Mortgage?

The answer to this question depends to a large part on whether you live in a state that has consumer protection statutes known as "anti - deficiency" statutes. These statutes are designed to protect the homeowner from being responsible for loans secured by their personal residence when the personal residence is "underwater." An "underwater" personal residence is one in which the principal balance on the loans that are against the property are in excess of the value of the property.

In many states, some form of consumer protection has been enacted by the state legislature which prevents banks from suing homeowners for deficiencies. These laws typically apply to single family owner occupied residences.

In California, for example, the legislature enacted Code of Civil Procedure section 580b which prohibits a deficiency judgment in the strict sense, i.e., a personal judgment against the debtor. In relevant part the code section provides as follows:

"No deficiency judgment shall lie in any event after a sale of real property or an estate for years therein for failure of the purchaser to complete his or her contract of sale, or under a deed of trust or mortgage given to the vendor to secure payment of the balance of the purchase price of that real property or estate for years therein, or under a deed of trust or mortgage on a dwelling for not more than four families given to a lender to secure repayment of a loan which was in fact used to pay all or part of the purchase price of that dwelling occupied, entirely or in part, by the purchaser."

In layman's terms this means that a homeowner who secures a "purchase money" loan ( which means a loan used to purchase his home can not be sued by his bank on the loan that is secured by the home.

You will also note that this section only applies to a "dwelling of not more than four families" which in essence means that if you live in and own and duplex, triplex or fourplex, this anti - deficiency statute applies to you.

This type of statute has been adopted in many states across the country. You should check with an attorney in your state to find out the exact language of the statute in your state and whether or not it applies to you.

So if your personal residence is "underwater" in the state like California and it is secured by a "purchase money" loan, you can safely "walk away" from the mortgage and its financial obligation without fear of being sued by your lender.

Once you made this determination, that you are in an anti - deficiency state and that the anti - deficiency statutes apply to you, your next decision really is one of personal choice. Do you love the house? Do you think the market will recover? Can you afford your mortgage payments?

It is certainly nice to know that you do have choices. However, be clear not everyone can simply "walk away" from their mortgage. It is best that you seek legal advice from a competent real estate attorney in your state before you make the decision to "walk away."

 

]]> http://www.stewartrealtyllc.com/buyers/singles-dive-into-the-real-estate-market.html ODctMTMyODI5NTk0MA== Fri, 03 Feb 2012 12:05:40 -0700 Why are more singles buying Boise real estate?

Singles Dive Into The Real Estate Market

The real estate market — with all its rollercoaster-like dips and turns — has occupied a huge amount of our attention in recent years. While most of the news has been bad (record foreclosures, innumerable bad loans), much has also been made of this cheerful fact: Single women have become a major force in the real estate market. According to the National Association of Realtors, last year unmarried gals made up 20 percent of all home buyers, where single guys accounted for 12 percent.

Why the discrepancy between men and women? No one seems to be able to put their finger on it exactly. I personally think it's because the concept of home resonates so strongly with women. Regardless of our marital status, we want to come home from work to a place that feels like ours.

According to the Joint Center for Housing Studies, the three main reasons single women are buying homes in record numbers are: to relocate closer to a job or family; because they need more space; and, the No. 1 reason cited, because they have a strong desire, plain and simple, to nest. I rest my case.

Realtors and builders are taking notice of this trend. In new home construction, builders are putting in extras such as security features, gourmet kitchens and yards with little to no maintenance required.

For many singles, the time is ripe for that first big purchase. Interest rates are at historic lows and are expected to stay there for at least the near future, according to the National Association of Home Builders.

"I've been in real estate a long time, and this is the best market I've ever seen for buyers," says Jan Gray, a Northern California realtor who specializes in coastal properties south of San Francisco. "The rates are super low, and don't believe people who say it's hard to get a loan. It's just not like the old days, when banks accepted you if you had a pulse."

Gray has sold homes to both families and singles, and says unmarried women are among the most excited — and savviest — clients she's had. "They've ranged in age from 35 and settled on a career to and 60 and retiring," she says. "And for the most part, all have done tons of homework and know what they're looking for."

As a single woman, Gray knows the joys of feathering a nest by oneself. "When women shop for a home with a man, I always see them deferring to him: his need for a garage, or a work space, or a man cave. When women buy for themselves, they are excited about turning this place into something that reflects them and who they are — they know they could even paint the bathroom pink if they wanted to!"

So ... are you convinced? Herewith, some tips for being a savvy solo home shopper. For starters, it's no longer "location, location, location." It's now "location, condition and price."

Location
Obviously, location is still important. Try to buy in the best neighborhood you can afford. But also take your passions and hobbies into consideration before investing. If you love the nightlife that a big city has to offer, consider living right in town, with restaurants and bars within walking distance. But if you're an outdoorsy type, a more suburban — or even rural — setting would put you closer to the weekend activities you love. Since many home-buying single women also are mothers, it's also important to consider a school district's reputation and the safety of the area.

Condition
For many solo buyers, a property's condition is of equal importance to its location. I purchased a brand-new condo almost 20 years ago, and reveled in the fact that I didn't need to call a repairman for almost 10 years. Old cottages in the woods may sound charming but can be money pits. Gray says, "I know it's boring, civil-engineering stuff, but before you buy, find out about drainage. Will your basement flood in winter rains?" And don't be afraid to poke around at the foundation, especially when you're buying an older home. Spending a few dollars on a professional inspector can save heartache down the line.

Price
Where the rule of thumb used to be buy the most expensive house you can so that you can realize more of a return, nowadays you should carefully consider your monthly mortgage payment. Experts say it should not exceed 28 percent of your pre-tax monthly income. And stop thinking of a house as an investment and just think of it as a home (and perhaps also a tax write-off).

Consider Your future
Single women are buying houses at all different stages of their lives. Some are just starting out and still plan to get married and have kids someday. Others are "done" with marriage and looking happily at a future on their own. Before you buy a house, think about what you want your future to look like. If kids are a big hope, buying a studio condo could be a mistake. Likewise, you might not want to rattle around a four-bedroom place if you're solo. Adds Gray, "Also, listen to your body. Smart women know that they should find a place with minimal stairs if they plan to grow old there."

Might this home become a rental?
Some single buyers — especially younger ones — might not have the most stable lives. Perhaps their employers might transfer them to another city for a year, or they might fall in love and want to move. For that reason, when you buy a home, try to envision its potential attractiveness as a rental. Is it close to stores, restaurants and other pluses? What are the rent prices in that area, and would your mortgage payment be equivalent?

How much upkeep will you want to do?
If you're an avid gardener, having a yard with roses and hedges might seem like a dream. But if you're brown-thumbed like me, a condo might be the perfect answer. And if you have to have that lawn to be happy, but lack the time to mow it, Gray recommends that you "factor in the cost of a gardener before you sign on the dotted line."

Take it slow
If you watch shows like "House Hunters," you might believe that buyers spend about 20 minutes in a house before writing that huge check. But experts advise that you take it slow: See as many different kinds of homes as you can. Even if you don't think you'd be interested in a condo, you might see one that turns out to be perfect for you. Gray even advises clients to visit a house they're interested in several times. "Go at different times of the day to see its exposure to the sun. Orientation of a home is also important." And there's no need to rush! It's a buyer's market right now, with a glut of homes for sale. So take your time and enjoy the process!

For information on the basics of home-buying, visit RealEstateABC.

Article taken from ABC.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/about-stewart-realty-llc-of-idaho/meet-our-staff.html ODEtMTMxNjA5Njc0Mw== Thu, 15 Sep 2011 08:25:43 -0600 OFFICE

 

Jeff Stewart, Broker/Owner

SERVICE – INTEGRITY – RESULTS. Jeff Stewart’s promise to you is simple and straightforward: he’ll get the job done with professionalism and efficiency. Jeff is more than an experienced real estate agent; he’s the Broker and Owner of Stewart Realty, LLC. Of the many designations available to real estate professionals, Broker is the most meaningful as well as the most difficult to obtain. You can be confident that Jeff has the experience, knowledge and motivation necessary to manage your transaction the way you want it managed. He’ll give you the facts and he’ll negotiate fiercely on your behalf..

Jeff’s background in real estate is broad-based. In addition to his sales and brokering experience, Jeff has appraised over 300 properties in the valley. His skill and expertise in real estate property valuation in the Boise area as well as Kuna, Meridian, Nampa, Star, Middleton, Eagle is an invaluable resources for buyers and sellers. Jeff also maintains a detailed understanding of the mortgage programs available including those through Rural Development loans and Idaho Housing & Finance loans both an attractive benefit for first-time buyers.

To investors, Jeff brings expertise gained through the purchase and maintenance of his own income properties. He has also worked in Boise’s residential construction business and knows construction quality, which can guide buyers through what could otherwise be significant pitfalls. Lastly, Stewart Realty is one of few brokerages that is approved to bid on HUD Repo properties. Jeff Stewart is a true real estate professional, one who holds himself to the highest standards of ethics and service. Contact him directly with any questions you may have about Real Estate in the Boise Valley.

Contact Information

Direct: 208.602.1993
Toll-Free: 1.866.787.5445
Fax: 208.887.9111
Email: Jeff@StewartRealtyllc.com
Visit My Website: www.StewartRealtyllc.com

 

Nicole Smith, Office Manager and Transaction Coordinator

Born and raised in the Treasure Valley Nicole was the daughter of a successful real estate agent and as such she was raised to understand and appreciate the importance of building trusting relationships, good work ethics and attention to details.  In July of 1997 Nicole became a licensed real estate agent even while she continued her education at Boise State University.  During this time she received the Re/Max President’s Club Award for earnings.

In August, 2000 Nicole married Dillon Smith and graduated from BSU’s Business Department with a bachelor’s degree in Marketing.  In 2002 Nicole and Dillon moved to Northern Idaho for Dillon to finish his education in Architecture at the University of Idaho.  Nicole sold real estate at Gail Byer’s Real Estate, a local Moscow brokerage for the next two years.
Since returning to Boise Nicole has broadened her already excellent real estate experience working for Boise Title and Escrow, Skyline Development and Conklin Property Management.  In February of 2011 Nicole joined Stewart Realty as its primary Office Manager and Transaction Coordinator.

Nicole and Dillon have two handsome boys, Luke and Jake that have been a source of nonstop joy and learning experiences.  They love living in this wonderful area, close to many family members and friends.  They also have fun taking advantage of Idaho’s outdoor attractions.  Practicing real estate has given Nicole the unique opportunity of helping folks call Idaho home.  This has been both enjoyable and rewarding to her.

Nicole is always here to provide excellent service to our clients’ needs and you will discover her cheerful and helpful attitude.  Give Nicole a call at the office at 208-887-5445 if you ever have questions about your transaction, need information on a specific property or if she can assist you in any other way!

Contact Information

Direct: 208-887-5445
Email: contact@StewartRealtyllc.com

 

]]> http://www.stewartrealtyllc.com/about-stewart-realty-llc-of-idaho/realtor-link-directory-6.html NzctMTI5OTM2OTcyNA== Sat, 05 Mar 2011 17:02:04 -0700

Texas

Burleson,Crowley,Cleburne and Greater Fort Worth Homes and Houses for sale.
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Amarillo,Texas Real Estate
Welcome to Amarillo, Texas! Specializing in helping Buyers and Sellers in the Amarillo, Bushland, Lake Tanglewood, and Canyon, Texas Area.   Using today's technology with yesterday's ands-on service to make your real estate dreams come true!  Call today (806) 236-1370 or eMail:  connietaylor@kw.com We would love to hear from you!

Canyon Lake and Texas Hill Country Real Estate
Listing specialists for Canyon Lake and the Texas Hill Country. Technology plays a bigger part in marketing your property than ever. Hire a real estate company that knows how to get your property SOLD! 21st Century Real Estate with a Technology Advantage. A proud member of the Texas Land Team.

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Frisco, McKinney, Plano and Allen Texas Real Estate

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Neetu Kainthla - College Station Real Estate
Neetu Kainthla, Realtor - Listing and selling residential single family homes, townhomes, duplexes, condos, four-plexes and commercial properties in College Station and Bryan, Texas.

Bryan-College Station Texas Real Estate - The Smith Team

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Corpus Christi Real Estate
Specializing in Corpus Christi real estate - Padre Island, Portland, Rockport, Ocean Drive, Kings Crossing, Lamar Park, Calallen, and Nueces County. Carole Edwards is helping you to find and buy the home of your dreams.

Texas Hill Country Real Estate
Area information & MLS access.  Count on Maggy to help you buy or sell that perfect Hill Country property - serving the greater Kerrville area, including Bandera, Center Point, Comfort, Ingram & Hunt. Residential, land, recreational, hunting tracts, live water properties & luxury homes. Maggy Swyers-Oppelt, Broker/Owner, ABR, CNE, CRS, e-PRO.  Paddle Creek Properties. 830.329.6198.

Utah

Utah Real Estate by Orem's Nicest Realtor
Utah real estate listings from ALL Realtors. Save your searches. Free automated updates of HOT new listings. Free map search.

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St. George GMAC Real Estate. St. George Utah real estate. Southern Utah real estate. Find beautiful homes for sale in Southern Utah.

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Salt Lake County Homes for Sale and Utah Real Estate Information
Your one-stop source for real estate services covering the Salt Lake County, Salt Lake, City , and the surrounding Wasatch Front  areas. With a focus on exceptional service, over 20 years of experience, you'll find everything you'll need from complete MLS listings, valuable home value calculation tools, and comprehensive area information! Marty Gale - CREA, e-Pro, Broker - 1-877-898-9502 Toll Free e-Mail: marty.gale@remax.net www.galeteam.com

Virginia

Alexandria Virginia Real Estate
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Fairfax Virginia Real Estate
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Your-HouseFinder.com
Virginia Beach real estate agent David Phillips & Associates selling real estate in Virginia Beach, Chesapeake, Norfolk, Suffolk, and Portsmouth - Virginia. Specializing in beach homes and condos.

Fairfax County Real Estate
For Fairfax County Real Estate, Jeanne Littlejohn is the Realtor for you! Serving Northern Virginia and Fairfax County Real Estate Needs.

Leesburg VA Real Estate
Leesburg VA real estate. Kormann Realty can can help you in Northern Virginia. Search the Loudoun County MLS for homes and condos in Ashburn, Sterling, Herndon, Reston, Fairfax and Arlington County.

Arlington VA Real Estate
Arlington VA real estate and Arlington, Virginia homes for sale. Your real estate resource for Arlington VA MLS listings, condos and homes for sale in Arlington, Virginia.

Arlington Virginia Real Estate
Arlington Virginia real estate agents, The Ferguson Team covers the real estate needs of Arlington County, Fairfax County and Alexandria and buying or selling property in Northern Virginia Arlington.

Washington

Vancouver Clark County Homes
Discover Vancouver, Clark County, Washington real estate and homes for sale. Access and search current MLS listings. Link to relocation, school, crime and community information.

Marysville Washington Real Estate
Peggy Fisher your Skagit and Snohomish County Real Estate agent.  Search and Save new homes in the Skagit County Real Estate Market.

My Seattle Realty - For all your Real Estate Needs!
First time home buyer to Investor with 100's of units to manage. Call Elena Neely, 206 992-0654

Seattle Real Estate Agents
Seattle Team Real Estate agents are based in Kirkland, but help buyers find homes all over the Seattle Area.

Seattle Real Estate
Professional Seattle Washington Real Estate organization whose purpose is to guide individuals and families through the often complex processes of buying or selling a home.

Seattle Real Estate
Search Seattle Real Estate listings to find the best real estate deal in Seattle area including Bellevue, Bothell, Brier, Edmonds, Everett, Kenmore, Kirkland, Lake Forest Park, Lynnwood, Mountlake Terrace, Mill Creek, Redmond, Seattle, Shoreline, and Woodinville real estate markets.

Eastern Washington and Northern Idaho Real Estate
Gene Smith (USAF-Ret), helping clients Buy and Sell Luxury Homes, Farms, Ranches (horse & cattle), Waterfront & Acreage property in Spokane Washington and Post Falls, Sandpoint and Coeur d'Alene Idaho.

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Wenatchee Real Estate
Search Wenatchee Washington Real Estate for Sale - Wenatchee Real Estate listings and find your new Wenatchee home today.

Vancouver Homes
Real-Estate-Vancouver features helpful real estate information in Greater Vancouver for home buyers and sellers. Vancouver homes and properties in Downtown, Dunbar, Kitsilano, Richmond and more.

Luxury Home/Resort Realtor, Spokane Washington & Post Falls/Coeur d'Alene Idaho.

Vancouver Clark County Real Estate
Vancouver, Clark County, Washington real estate and homes for sale. Search current MLS listings. Link to relocation and community information.

Seattle Washington Real Estate
Seattle Real Estate - Seattle Washington's complete website for real estate, homes for sale and virtual tours. Search for Seattle Real Estate on this site.

Bellingham Real Estate
The Johnson Team will help you find Real Estate, Homes, and Property in Bellingham and Whatcom County.

Seattle Real Estate Advisor
Deciding where to live is not always easy, but Seattle Real Estate Advisor can help you you find and compare real estate in every community and find your new home in your ideal surroundings.

Real Estate in Perth, Kelmscott & WA
Brendan Leahy Real Estate are the specialists in houses for sale and rent in Perth, Kelmscott & WA.  Need a market appraisal or thinking of buying or selling a house in WA then see your local real estate agent in Kelmscott, Brendan Leahy.

Milwaukee Executive Real Estate - Milwaukee Executive Realty
Milwaukee Executive Realty specializes in premiere real estate in the Milwaukee area.

Morgantown, West Virginia Real Estate
Houses For Sale - Search for a home - Morgantown, WV West Virginia Real Estate - Morgantown Homes and Land - a public service website for buying, selling, renting, and leasing houses, property, and land in and around Morgantown, West Virginia

]]> http://www.stewartrealtyllc.com/about-stewart-realty-llc-of-idaho/realtor-link-directory-5.html NzYtMTI5OTM2ODU0Mw== Sat, 05 Mar 2011 16:42:23 -0700

Ohio

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Columbus Ohio Real Estate and Columbus Ohio Homes with great financing available since 1991.

Cincinnati Real Estate
View Cincinnati Real Estate Listings of Cincinnati real estate, homes, realty, condos, land and luxury properties.

Oklahoma

Tulsa, OK area Residential Real Estate
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Tulsa Real Estate and Homes for Sale
Easily search Tulsa, Oklahoma Real Estate and Homes for Sale.  Comprehensive Brokerage Services for Buyers and Sellers of residential and commercial real estate throughout the Greater Tulsa Area.

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www.TomandBev.com is just a click away from all you want to know about the Tulsa Oklahoma area.  We specialize in Tulsa, Broken Arrow, Owasso, Jenks, Bixby, Sand Springs and Lake Keystone.  Tom and Bev are committed to provide service with you, the client, in mind.  Discover the difference!  http://www.tomandbev.com

Oregon

Lake Oswego Homes for Sale and Real Estate Info
Your one-stop source for real estate services covering the Lake Oswego, West Linn, and Tigard areas. With a focus on exceptional service, you'll find everything you'll need from complete MLS listings, valuable home value calculation tools, and comprehensive area information!

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Prudential Northwest Properties
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Your complete Bend Oregon Real Estate and greater Central Oregon resource for up to date Real Estate and community information. Search the MLS, or browse the many pages of helpful Real Estate information and statistics about our community.

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Grants Pass Real Estate and Southern Oregon Real Estate and homes for sale. Top Realtor Commander Chris Barnett provides real Estate Services for the areas of Grants Pass,Medford, Rogue River, Murphy, Ashland, Applegate, Merlin, Josephine County and all of Southern Oregon. View featured homes, read Josephine County home buying advice and more.

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Search the entire Bandon Oregon area including Coquille, Myrtle Point, Langlois, Sixes, Port Orford, North Bend, and Coos Bay

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portland-me-realestate.com provides helpful information about Portland Maine real estate including Cape Elizabeth, Cumberland, Falmouth, and Westbrook homes and condos.

Pennsylvania

Bethlehem PA Real Estate
Bethlehem PA real estate and Bethlehem Pennsylvania homes for sale. Let Cassidon Realty be your Bethlehem PA real estate agents for Bethlehem PA MLS listings, condos and homes for sale in Bethlehem Pennsylvania.

Rhode Island

Rhode Island Real Estate
Rhode Island real estate...lavish Newport mansions ... lakefront homes of Burrillville ... historic mills of Woonsocket real estate for everyone.

RI Commercial Real Estate Consulting
Rhode Island Real Estate investment property. Looking for income property, commercial real estate, investment financing? We can help.

RI Real Estate, Mortgages, Property Management
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Tennessee

West Knoxville Real Estate
West Knoxville Real Estate and Homes for Sale by Realtor Al Mier, serving West Knoxville area.

Nashville Real Estate
Search the entire Nashville Tenessee MLS database of homes feature all areas of Nashville including Brentwood, Franklin, Hendersonville, Belle Meade Forest Hills and all areas in between.

Nashville Homes for Sale: Remax
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South Carolina

Charleston SC Real Estate - Home Sale in Charleston
Charleston SC Real Estate, Charleston SC Home for Sale - Daniel Ravenel SIR for buying and selling your dream real estate or home in Charleston South Carolina.

]]> http://www.stewartrealtyllc.com/about-stewart-realty-llc-of-idaho/realtor-link-directory-4.html NzUtMTI5OTM2NzA0NQ== Sat, 05 Mar 2011 16:17:25 -0700

North Carolina

Charlotte Real Estate
Let us search for properties in the Charlotte North Carolina area for you. Take the hard work on finding the right property for your needs and wants!

Charlotte Real Estate
View 25,000  properties in the Charlotte  North Carolina area, get free school reports, experienced Re/Max broker Roger Berrey provides  valuable relocation resources.

REMAX of Greensboro Real Estate & Relocation Services
Residential Real Estate and Relocation services. Serving Greensboro, High Point, Winston-Salem, Kernersville, Oak Ridge, Summerfield and the Triad.

Lockwood Folly Riverfront Community
The Villages At GOOSE MARSH is an private waterfront communiy located along the banks of Lockwood River in Bolivia North Carolina.

Greensboro Real Estate - Winston Salem Real Estate - High Point Real Estate
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Raleigh Real Estate
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Lake Norman Real Estate
Lake Norman Real Estate for Waterfront and off waterfront homes and lots in the Lake Norman and greater Charlotte NC area since 1991.

Nebraska

Specializing in OMAHA REAL ESTATE
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New Jersey

Garden State Homes - Terry & Bill Hassan
Bergen County, New Jersey Real Estate Specialists

South Jersey Real Estate. Camden homes for sale. (800) 815-9472
South Jersey Realtor Dennis J. Zisa. Homes for sale and investment property in Camden, Cherry Hill, Collingswood, Pennsauken, Oaklyn, Woodlynne And Merchantville. Camden homes for Rent.

Homes at the Jersey Shore
Search and find the best homes at the Jersey Shore, expert advice, residential listings, local info, a proven New Jersey Shore real estate expert.

New Mexico

Alamogordo NM Real Estate
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Homes in NM
Tim Lewis is your Alamogordo homes expert helping buyers and sellers of all home in NM.

Real Estate in Santa Fe, NM
I am a buyer's agent specializing in Relocation. I help people find homes, land and real estate in Santa Fe, New Mexico. Santa Fe style homes, luxury real estate, vacation homes, condos and land in Santa Fe, Las Campanas, Tesuque, Eldorado and Rancho Viejo. Search Santa Fe MLS listings for homes, land and condos.

Nevada

Las Vegas Real Estate online
Every available property for sale in Nevada. Nevada Real Estate specialists.

Mesquite Nevada Real Estate
Scott Hansen is an accomplished Real Estate professional who will work to achieve your Mesquite Nevada Real Estate goals and is committed to Excellence, Integrity, Superior Service and Results in all your Real Estate needs! FREE Relocation Packets. FREE 24 Hour MLS access for buyer's. Call 1-888-484-9456, or visit my website at  http://www.mesquiterealestate4u.com

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See what Las Vegas real estate has to offer.

Las Vegas Real Estate
Search for Las Vegas Real Estate! Search for homes in Summerlin - Green Valley - Seven Hills - Anthem - Southern Highlands - Lake Las Vegas - Boulder City - Luxury Highrises

New York

New York City Real Estate School
Real Estate salesperson licensing, online classes, broker licensing, real estate continuing education and more.

Long Island Real Estate - Long Island's Best Homes.com
If you're considering buying or selling a home on Long Island, you'll want to visit this site. It's a comprehensive resource for all your real estate needs. Find information about homes, schools, neighborhoods in Long Island's Nassau County, Suffolk County and Queens County. Calculate your mortgage and learn all about the process. You'll find everything you need to know about buying or selling a home anywhere. Click the link above to get FREE REPORTS.

Buffalo & Suburbs Real Estate, Western New York Real Estate, West Seneca Real Estate, Erie County Real Estate, Bob Rigby
Specializing in Greater Buffalo & Suburbs real estate, West Seneca, Cheektowaga, Orchard Park, Hamburg, Elma, Lancaster, other Southtowns,  and Erie County. Bob Rigby, Rigby Home Sellers Team, helping to find and buy the home of your dreams.

Rochester, Mn - Real Estate
Lynette Bates, Realtor, ABR, CRS, Rochester, MN. Try my online home search!

Syracuse Real Estate, Central New York Real Estate, Onondaga County Real Estate, Roger Schleicher
Specializing in Syracuse real estate, Central New York, CNY, Manlius, Cazenovia, Clay, Baldwinsville, Jamesville, Minoa, Pompey, Chittenango, Lafayette, Tully, Kirkville, Onondaga, Fayetteville, Dewitt, Cicero, Liverpool, and Onondaga County. Roger Schleicher helping to find and buy the home of your dreams.

]]> http://www.stewartrealtyllc.com/about-stewart-realty-llc-of-idaho/realtor-link-directory-3.html NzQtMTI5OTM2NjAyOQ== Sat, 05 Mar 2011 16:00:29 -0700

Massachusetts

Massachusetts Real Estate
If you're in the market for Massachusetts Real Estate look no further than Steve Levine and the Massachusetts Real Estate . Sellings houses and homes all over Massachusetts including Boston, Andover, Concord, Sudbury, Shersbury and Worcester County.

Boston Real Estate, Boston Condos
Boston real estate, condominium and neighborhood information.

Newton Real Estate, Brookline, Boston - Chuck Petitti, Century 21
Newton Real Estate, Brookline, Wellesley, Boston - Century 21, Chuck Petitti - Chuck Petitti with Century 21 Garden City Homes specializes in single family, multi-family and condominiums in Newton, Brookline, Arlington, Wellesley, Weston, Allston, Back Bay, Beacon Hill, Brighton, West Roxbury, Cambridge, Natick, Needham, Somerville, Waltham, Watertown, Financial District, The Fenway and the Theatre District.

Duxbury Real Estate, Duxbury Condos
Duxbury Real Estate Realtor - Homes, Duxbury condos, Plymouth, Kingston, Marshfield, Scituate, Weymouth, Hingham, Quincy, Hull, Cohasset, Scituate, Plympton, Pembroke, Hanson, Hanover, Rockland, MA, Massachusetts - Duxbury Real Estate

Norwell Real Estate, Norwell Condos
Michael Coletta, Realtor - Respresenting Boston's South Shore including Marshfield, Scituate, Weymouth, Hingham, Quincy, Hull, Cohasset, Scituate, Plympton, Pembroke, Hanson, Hanover, Duxbury, Plymouth Kingston and Rockland.

Jebb and Driggin
Exclusive buyers' agents firm specializing in Boston and the surrounding area. MLS listings from both major listing services.

Maryland

Cross Home Team - Maryland Real Estate - RE/MAX 1st Advantage
Providing home buyers and sellers professional service through a unique blend of the latest tools & technology. (Baltimore, Bel Air, Cockeysville, Lutherville, Middle River, Nottingham, Parkville, Perry Hall, Rosedale, Timonium, Towson, White Marsh)

Michigan

Grand Rapids Real Estate - Michigan Homes for Sale
Search Grand Rapids homes for sale, condos, investment properties, vacant land, and other Kent County Michigan real estate.

Dearborn Mi Real Estate And Homes For Sale - Mark Beydoun Realtor
Michigan realtor providing professional real estate services in Dearborn, Dearborn Heights, Detroit, Canton, Westland, Garden City, Livonia, Down River and the greater south east Michigan areas. Search MLS, buyer and seller information and much more!

Minnesota

Minnesota Real Estate Team
Looking to buy or sell a home, condo, loft, townhome, or lakeshore property in Minnesota? Interested in real estate investing? Click here to learn more about the Minnesota Real Estate Team.

Link Real Estate Services of Minneapolis Minnesota
Serving Minneapolis- Saint Paul Minnesota. Offers special promotions for home buyers and home sellers.

Edina Realty
Edina Minnesota prime real estate. With our online listings, you can view choice real estate in Edina Minnesota. Use our MLS quick search and make your Edina Minnesota dream home a reality.

White Bear Lake Homes for Sale and Real Estate Info
Your one-stop source for real estate services covering the White Bear Lake , Mahtomedi, and Stillwater areas. With a focus on exceptional service, you'll find everything you'll need from complete MLS listings, valuable home value calculation tools, and comprehensive area information!

Edina Realty | Minneapolis Homes for Sale
Search Minneapolis homes, townhomes and condos for sale including its suburbs.

Milwaukee Duplex, Milwaukee Investment Properties
Carole Wehner - Milwaukee duplex expert for over 17 years. Milwaukee investment properties, duplexes for sale in Milwaukee.

Mequon Real Estate, Waukesha, Franlin - Milwaukee Executive Realty
Representing buyers and sellers all over the Milwaukee area including Whitefish Bay, Waukesha, Bayside, New Berlin, Mequon, Brookfield, Elm Grove, Wauwatosa, Franklin and other communities.

Milwaukee Condos, Milwaukee Real Estate - Chris Haines
Representing buyers and sellers in all of the metropolitan Milwaukee, Wisconsin region for condos and single family homes. Areas include Shorewood, Whitefish Bay, Fox Point, Bayside, River Hills, Mequon, Brookfield, Elm Grove, Wauwatosa, Franklin and other communities.

Downtown Milwaukee Condos, Lower and Upper East Side Homes and More
Downtown, Milwaukee's Lower East Side, Upper East Downtown, Milwaukee's Lower East Side, Upper East Side, Bayview, Wauwatosa, West Allis, South Milwaukee, St. Francis and other Milwaukee area Communities Realtor. Real estate agent with Milwaukee Executive Realty representing, condos, homes, new construction and commercial properties.

Missouri

Mark Magas, ePro - St. Louis Realtor
Information about St. Louis and the surrounding communities - search homes for sale, schools, neighborhoods, things to do, restaurants, shopping, theatres, nightlife. Buyers, fill out my 'Dream Home' form to let me know what you're looking for and I'll send you a list of homes within 24 hours. Sellers, fill out my Home Value form to get a free Comparative Market Analysis.

Montana

Whitefish Montana Real Estate
Search for Real Estate in Northwest and Whitefish Montana. Properties and Homes by Kay Whaley.

]]> http://www.stewartrealtyllc.com/about-stewart-realty-llc-of-idaho/realtor-link-directory-2.html NzMtMTI5OTM2MzAzMA== Sat, 05 Mar 2011 15:10:30 -0700

Connecticut

Stamford, Greenwich, Norwalk and Lower Fairfield County
Christina Tracy Realtor Real Estate in Greenwich, Stamford and Norwalk CT http://www.christinatracy.com Condos to Waterfront Real Estate. Site features new construction, area photos and local real estate news in lower Fairfield CT. Christina Tracy is a Relocation expert in CT.

Florida

Palm Beach Real Estate
A-Venture Capital Estates is a Palm Beach State licensed real estate brokerage firm that provides services in Palm Beach, Manapalan, Hypoluxo Island, West Palm Beach, Jupiter, Miami, South Beach, Fort Lauderdale, and other Florida area.

Beaumont Real Estate
Find your Beaumont Real Estate today. Beaumont is a fast growing city with new housing developments that are springing up on a daily basis. Find information about Beaumont real estate today.

Palm Beach Real Estate, Palm Beach Condos
Real estate agent serving the Town of Palm Beach, Hypoluxo, Manalapan, Lantana and South Palm Beach.

Jacksonville Florida Real Estate JacksonvilleFlRealEstate
A visitor and new residents guide to Jacksonville Fl real estate Single Family Homes, Condos, Oceanfront, waterfront, riverfront, golf, land, lots, gated communities, luxury homes, second homes, vacation homes, investment property, investments, 1031 Exchange and commercial real estate throughout the Jacksonville Florida and Duval County area.

Miami Preconstruction and Ft. Lauderdale Preconstruction Condos, Homes and Luxury Real Estate
Miami Luxury Real Estate Properties - Miamirealestatetrends.com will help you buy, sell or invest in luxury real estate in the Miami and Ft. Lauderdale Metro areas.

Vacation Capital Real Estate
Vacation Capital Real Estate provides real estate services for vacation, retirement, or investment rental homes in Orlando Florida, Central Florida, Kissimmee Florida and the Disney area.

Your source for Tampa, Clearwater and St. Petersburg real estate and homes
Tampa Real Estate. Your source for Tampa, Clearwater and St. Petersburg real estate and homes for sale.

Gibbons Realty
See all Pensacola Beach Condos available for sale. Find Beach, Luxury and waterfront condos in Pensacola Beach, Florida.

Orlando Investment Property
Realtors specializing in investment properties in Kissimmee and Orlando. Vacation homes, second homes and income producing properties.

Miami Lofts for sale, Miami condos and preconstruction
Bestmiamilofts.com - A great selection of lofts in Miami for sale.

Boca Raton FL Real Estate
South Florida Real Estate, Search for schools, golfing and tennis communities, condos, waterfront properties, local businesses and much more.

Cape Coral Real Florida Estate & Property Management
Cape Coral FL Real Estate services from real estate agents specializing in Lee County- homes for sale, houses,villas and condos. Property Management, Condo Management, Homes For Rent and Homes For Sale.

Real estate office located in Port St. Lucie Florida
We offer real estate services, flat fee MLS, Florida MLS databank of properties, seller assist programs, commericial sales and property management for Port St Lucie, Vero Beach, Fort Pierce and surrounding areas. We speak Spanish.

Boca Raton Real Estate, Boca Raton Realtor, Florida Realtor
Boca raton, boca raton real estate, florida real estate, real estate, property, investment property, beach real estate, palm beach county, investment, florida, land, homes, and beach info from Boca Raton Realtor, florida realtor, remax realtor Jenniffer Lee.

Melbourne Homes for Sale and Real Estate Info
Your one-stop source for real estate services covering the Melbourne, Cocoa Beach, and Palm Bay areas. With a focus on exceptional service, you'll find everything you'll need from complete MLS listings, valuable home value calculation tools, and comprehensive area information!

Florida Homes and Land For Sale
View Florida Homes Web Portal Homes and Land For Sale.

Myrtle Beach Foreclosures
Specializing in Short Sales and Foreclosures in the Myrtle Beach area.

Georgia

Augusta Real Estate - Columbia County Georgia - Martinez - Evans - Philip Black RealtyAugusta Real Estate Full Service Flat Fee Discount Realtors Augusta Georgia Real Estate Discount Brokers serving ( Richmond County ) Augusta, Fort Gordon, Hephzibah, Georgia, ( Columbia County ) Martinez, Evans, Grovetown, Harlem, Appling, GA, and ( Aiken County ) North Augusta and Aiken, South Carolina and surrounding areas.

Log Cabins For SaleBuy a log cabin home in Blue Ridge, Georgia with the help of Mountain Country Realty.

First Eco Green Real Estate Agent in South GeorgiaProviding Excellent Service in Luxury Homes in Thomasville, Valdosta, Cairo and South Georgia Real Estate. I can help you find the perfect home in your new neighborhood, just right for your budget and your lifestyle. Marlene Bienes – Realtor. Your #1 Expert in Green Homes.

North Georgia Cabin RentalsCreekside Mountain Cabins will provide a cabin for you in the Blue Ridge Mountains of north Georgia.

Hawaii

Maui Real Estate: Lanikeha KaanapaliAlong the slopes of West Maui’s Mt. Kahalawai, the 110 acres of Lanikeha will overlook the magnificent Pacific Ocean and the mountains of West Maui, sites that have helped earn Maui recognition in ten consecutive Conde Nast Travelers’ polls as the Best Island In the World.

Maui Real EstateKen, Greg, and Jeremy Smith (The Smith Team) with Coldwell Banker Island Properties in Wailea, Maui are one of the top real estate agent teams in Hawaii. In 2006, their efforts put them amongst the top 100 real estate agents in Hawaii. If you are looking for a dedicated, hard working team of individuals to help you buy or sell property in Maui, please call on the Smith Team.

Iowa

Peachtree Realtors Web SiteReal Estate for Waterloo Iowa and surrounding area.

Idaho

Idaho Falls Real Estate, Rigby Real Estate, Bonneville County Real Estate, Steve AndersonSpecializing in Idaho Falls Real Estate, Rigby Real Estate, Shelley Real Estate, including Firth, Ririe, Island Park, Swan Valley, Rexburg, Bonneville County and Jefferson County. Steve Anderson helping to find and buy the home of your dreams.

Pocatello Real Estate, Pocatello Remax, Pocatello Schools, Pocatello Idaho Homes For SaleSpecializing in Pocatello Idaho homes for sale, Pocatello schools info, Pocatello Remax and Pocatello real estate. Whether you are looking at Pocatello real estate, Chubbuck homes, Pocatello Realtors or Chubbuck new homes, you will find it here. My access to Bannock County homes and Southeastern Idaho real estate cannot be beat. Get assistance for Pocatello ID homes for sale, Chubbuck real estate, Pocatello real estate and Bannock County new homes.

Mark Hall Real EstateSearch the entire Sandpoint area MLS at markhallrealty.com.

Sandpoint Real EstateFind your dream home in the Idaho Panhandle. Lush forest, clean lakes and rivers and outdoor paradise. Sandpoint Idaho Real estate for sale by Rain Silverhawk. See our virtual tours, search the mls or find get information on North Idaho.

 

 

]]> http://www.stewartrealtyllc.com/about-stewart-realty-llc-of-idaho/realtor-link-directory.html NzItMTI5ODkyNjc2OA== Mon, 28 Feb 2011 13:59:28 -0700

Alaska

Alaska Real Estate
Webmasters helping webmasters develop high value relevant links. Promoting ethical web-marketing using the time trusted pillars of relevance and popularity.

Alabama

Jere  Whitehouse, RE/MAX of Montgomery, Montgomery Alabama Real Estate, Relocation Specialist
Jere Whitehouse, e-PRO, ABR, CRS, SRES. Specializing in Montgomery real estate, Prattville, Wetumpka, Millbrook, Lake Martin, Lake Jordan, Montgomery County,  Elmore County,  and Montgomery County. Military Relocation to and from Maxwell Air Force Base and Gunter Air Force Base.  Jere Whitehouse is a Military Veteran specializing in Military Relocations. "Let me put my twenty-plus years of experience to work for you!" Jere Whitehouse, Associate Broker, RE/MAX of Montgomery.

Huntsville Houses
Huntsville Alabama MLS search, Automated Real Estate Search, HomeValue and Real Estate Market Updates, Huntsville Alabama area Rental Homes, Property Management.

Dothan AL Commercial Real Estate
We are currently the number one real estate company in Dothan Alabama and our commercial office specializes in commercial/industrial, special use, lots and land in the Houston County AL real estate area.

Birmingham AL Real Estate
Homes for sale. Real estate in Birmingham AL including, all Over The Mountain areas. Relocation specialist.

Arkansas

Buyers First Realty
Northwest Arkansas Real Estate, MLS Search. Direct Search Link to Northwest Arkansas Listings nothing to fill out. Real Estate listings updated continuously for Bentonville, Rogers, Fayetteville, Bella Vista and surrounding areas. Buyers Agent for Northwest Arkansas.

Arizona

Scottsdale Real Estate
Search the entire Phoenix metro area including Scottsdale, Tempe, Mesa, Chandler, Ahwatukee, Fountain Hills, Paradise Valley, Glendale, Gilbert, Peoria, Glendale and more. Check out our new map based search system.

Sedona Real Estate Buyer's Broker
Arizona's #1 Buyer's Agency - search all Sedona and area MLS homes and land listings from our website. We are buyer's agents exclusively, not salespeople - 100% loyalty.

Arizona Land For Sale
Beautiful mountain and ranch acreage in Arizona.  From 5 to 50 acres of trees and views.  Terms available on most tracts. Visit MYAZLAND.COM

Gilbert Real Estate - Mesa Real Estate - Scottsdale Real Estate
MLS Map Search Updated daily w/thousands of Mesa, Gilbert & Scottsdale homes for sale. View all Mesa, Gilbert & Scottsdale Real Estate. Luxury Homes, waterfront houses, condos, & foreclosures. RE/MAX Arizona. Arizona Accredited BUYERS Representative (ABR), Specializing in RELOCATION. Search Maricopa County, AZ including Gilbert, Chandler, Mesa, Phoenix, Tempe, Fountain Hills, Scottsdale, Paradise Valley, Higley, & Pinal County, including Queen Creek, and Apache Junction Real Estate.  Email: zenja@arizonahomes411.com

Phoenix Real Estate
Search the entire Phoenix metro area including Phoenix Golf Property, horse property, and even commercial property.

Scottsdale AZ Real Estate
Scottsdale AZ real estate and Scottsdale Arizona homes for sale. Your real estate resource for Scottsdale AZ MLS listings, condos and new homes for sale in Scottsdale Arizona.

AAArizona - Green Valley Arizona Real Estate
Free Information about Green Valley, Arizona.

AAArizona - Tucson Real Estate
Easy home searches for the Tucson home buyer.

Phoenix Real Estate
Ann Morgan serving the Phoenix/Ahwatukee Foothills, the golf course community of Ocotillo, Chandler, Tempe, Gilbert and Scottsdale.

Premier Tucson Homes - Tierra Antigua Realty
Working to achieve YOUR real estate GOALS in  Southern Arizona - Tucson, Oro Valley, Dove Mountain, Marana, Catalina & area communities!

AAArizona - Phoenix Real Estate
Easy home searches for the Phoenix home buyer

Green Valley Real Estate
Green Valley Real Estate - Search all Green Valley AZ property and homes for sale with our real estate map search.  Marty and Laura Dobos are here to serve your Real Estate needs.

Own Arizona American Real Estate US Property America Investment
Offering Arizona real estate to international investors who live outside the United States and wish to invest in the United States. Own Arizona is here for you to invest in the USA Real Estate Property Land and Home Sales.

Brenda O'Brien Long Realty, Tucson Real Estate and Tucson Arizona Homes
Tucson Real Estate & Tucson Home Pictures and Virtual Realty Tours. No Registration Required.

Green Valley Real Estate - Retire in Tucson AZ
Arizona Real estate info for Green Valley, Sahuarita, Quail Creek, Del Webb and Tucson areas. FREE MLS listings. Luxury, golf course and vacation homes. Retirement & relocation info 877-273-2146.

Phoenix Real Estate | Arizona New Homes | Scottsdale Property MLS
Homes in Phoenix Arizona - Scottsdale AZ. Search real estate in Phoenix - Scottsdale Arizona AZ. Search the mls for new homes, real estate, property, houses in Glendale, Peoria and Sun City.

Buying or Selling Phoenix Real Estate

Arizona Real Estate
Anna Coady is the buying and selling specialist for Tempe, Scottsdale, Chandler, Gilbert, Ahwatukee, Mesa, Phoenix, Sun Lakes, Queen Creek, Paradise Valley, Fountain Hills, and all of Maricopa County.

Prescott AZ Real Estate
Prescott Arizona local Real Estate experts.  Find more about the area and your Real Estate needs with our professional team.

California

California Fishing Guide
Experience heart pounding sport fishing action. Catch more Kings. California fishing guide with thirty years experience gives all out fishing effort.

Dana Point Harbor Inn - A California Beach Vacation
Dana Point Harbor Inn is located in the heart Doheny State Beach, Laguna Beach, Newport Beach, Trestles Beach and many other beaches Our Inn offers plenty of room amenities such as cable tv, internet access and enjoy a free continental breakfast.

Moving Companies in Los Angeles California
Site includes easy searches for California movers and Los Angeles moving companies. Site also includes searches for moving boxes, moving supplies and moving materials.

Sacramento Real Estate
Experienced Sacramento Real Estate Agent can find you homes, condos and luxury properties in Rocklin, Roseville, Sacramento areas in California.

Michael Wilson - Commercial & Residential Real Estate in Orange County, CA
Michael  and his Network have over 20 years of Real Estate experience. Let them help you buy or sell a residential or commercial property in the Orange County area.

Malibu and Los Angeles California Real Estate
Beverly Taki of Coldwell Banker is your real estate source for the West Los Angeles area, Malibu, Beverly Hills, Pacific Palisades, Santa Monica, Topanga, Calabasas, Agoura to Malibu beachfront estate properties.   Unique Homes, Luxury Homes, Distinctive Homes, Ranches, Vacant Land and Condominiums.  Search the entire MLS from my site.  Call Beverly Taki at 310-435-4090

Beautiful Goleta Real Estate
Goleta Real Estate, Santa Barbara, Montecito, Goleta, Hope Ranch

Chula Vista Real Estate
Find the home or condo of your dreams in desirable Chula Vista, California.

Laguna Beach real estate
Find luxury Laguna Beach real estate and Orange County homes with the Canaday Group.

Matt Larsen homes
San Francisco Bay Area real estate. If you are buying or selling property in the area, contact Matt Larsen at 510.415.2458 direct. You can search the MLS for homes and obtain a wealth of valuable real estate information.

Huntington Beach CA Real Estate
Huntington Beach CA real estate. Search the entire Los Angeles county and Orange County MLS. Huntington Beach, Long Beach, Newport Beach, Laguna Beach.

Stockton Ca Real Estate
Stockton Ca Real Estate, Wright Realtors, 360 Full Screen virtual photography tours on every listing, Search the entire Multiple Listing with our IDX System, Free email of new listings, 1,100 page plus web site with pages for every San Joaquin City.

Rich Satisfaction - Commercial & Residential Real Estate in Orange County, CA
Richard has over 20 years of Real Estate experience. Let him help you buy or sell a residential or commercial property in the Orange County area including Irvine, Newport Beach, Newport Coast, Tustin Ranch, Lake Forest, Mission Viejo, Laguna Beach, and Laguna Hills CA!

CORONA, RIVERSIDE Real Estate, Homes, Loans - Séan McAlary, Broker
Real Estate, Homes, Golf Property, Land, Riverside County Loans, Corona, Eagle Glen, Chase Ranch, Dos Lagos, The Retreat, Trilogy, Seven Oaks, Crown Ranch, The Pinnacle, Mountain Gate, Sierra Del Oro, Sycamore Creek, Montecito Ranch, Horsethief Canyon, Lake Elsinore, Norco, Eastvale, Victoria Grove, Orangecrest, Loring Ranch, Murrieta, Temecula, CA Ocean Front Real Estate, Beach Homes.

Sacramento Real Estate - Elk Grove Real Estate
Sacramento real estate brokers Coleen and David Jurewicz have over 50 years combined experience helping people buy and sell homes in Sacramento Placer and El Dorado counties.

San Diego Short Sales, Real Estate and Homes For Sale
Need to sell a home due to a financial hardship? We can help! Find out your options.

californiapropertyrealtor.com
Bertha Mejia - Schonder can provide home buyers with a full service, anxiety-free real estate experience, delivering a level of service unmatched in the real estate industry.

Encinitas 55+ Real Estate Communities
View listings for Encinitas California 55+ properties and communities.

Fresno Real Estate & Homes
Fresno Real Estate & Homes

Newport Beach Real Estate
Newport Beach Real Estate

California Homes For Sale
See California Real Estate and homes for sale or rent, plus land and lots.

Colorado

Colorado Springs Real Estate
Colorado Springs real estate specialist for home buyers and sellers. Providing MLS home search, relocation assistance, school reports, and market analysis.

Colorado Real Estate
If you are ever looking for real estate in Denver Colorado or real estate in Boulder Colorado comeback to Colorado real estate. Your Colorado Real Estate Professionals!

The Group Inc.

Durango Real Estate
Charles and Mary Rigby are all you need to know about Durango CO real estate.

A Colorado Springs Relocation & Business Directory
Complete Colorado Springs relocation directory including real estate listings and a Free relocation CD offer!

Cherry Creek, Washington Park, and Denver Real Estate
Specializing in Cherry Creek, Washington Park,and Denver Real Estate, including Crestmoor, Country Club, Polo Club, Bonnie Brae,Belcaro, Cherry Creek, and Washington Park. Unprecedented service since 1978.

Grand Junction Real Estate-Mesa Real Estate
Specializing in Grand Junction Real Estate, Mesa Real Estate, Mesa County Communities of Grand Junction, Fruita, Palisade, Clifton, Whitewater and more. Ron Fleenor your Colorado Realtor. Email ronfleenor1@earthlink.net

]]> http://www.stewartrealtyllc.com/buyers/common-first-time-home-buyer-mistakes.html NzEtMTI5NTkyNDg4Nw== Mon, 24 Jan 2011 20:08:07 -0700 Avoid the first-time Boise home buyer mistakes.  See them here:

Common First-Time Home Buyer Mistakes

1. They don’t ask enough questions of their lender and end up missing out on the best deal.

2. They don’t act quickly enough to make a decision and someone else buys the house.

3. They don’t find the right agent who’s willing to help them through the homebuying process.

4. They don’t do enough to make their offer look appealing to a seller.

5. They don’t think about resale before they buy. The average first-time buyer only stays in a home for four years.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/7-reasons-to-own-your-home.html NzAtMTI5NTkyNDg0OA== Mon, 24 Jan 2011 20:07:28 -0700 What are the advantages of owning a Boise home?  Here are some reasons that will help convince you that purchasing real estate is right for you.

7 Reasons to Own Your Home

1. Tax breaks. The U.S. Tax Code lets you deduct the interest you pay on your mortgage, your property taxes, as well as some of the costs involved in buying your home.

2. Appreciation. Real estate has long-term, stable growth in value. While year-to-year fluctuations are normal, median existing-home sale prices have increased on average 6.5 percent each year from 1972 through 2005, and increased 88.5 percent over the last 10 years, according to the NATIONAL ASSOCIATION OF REALTORS®. In addition, the number of U.S. households is expected to rise 15 percent over the next decade, creating continued high demand for housing.

3. Equity. Money paid for rent is money that you’ll never see again, but mortgage payments let you build equity ownership interest in your home.

4. Savings. Building equity in your home is a ready-made savings plan. And when you sell, you can generally take up to $250,000 ($500,000 for a married couple) as gain without owing any federal income tax.

5. Predictability. Unlike rent, your fixed-mortgage payments don’t rise over the years so your housing costs may actually decline as you own the home longer. However, keep in mind that property taxes and insurance costs will increase.

6. Freedom. The home is yours. You can decorate any way you want and benefit from your investment for as long as you own the home.

7. Stability. Remaining in one neighborhood for several years gives you a chance to participate in community activities, lets you and your family establish lasting friendships, and offers your children the benefit of educational continuity.

Online resources: To calculate whether buying is the best financial option for you, use the “Buy vs. Rent” calculator at www.GinnieMae.gov.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/why-you-should-work-with-a-realtor.html NjktMTI5NTkyNDgxMA== Mon, 24 Jan 2011 20:06:50 -0700 Boise real estate Realtors!  Here’s why you should use one in your next Boise home sale or purchase.

Why You Should Work With a REALTOR ®

Not all real estate practitioners are REALTORS®. The term REALTOR® is a registered trademark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION of REALTORS® and subscribes to its strict Code of Ethics. Here are five reasons why it pays to work with a REALTOR®.

1. You’ll have an expert to guide you through the process. Buying or selling a home usually requires disclosure forms, inspection reports, mortgage documents, insurance policies, deeds, and multi-page settlement statements. A knowledgeable expert will help you prepare the best deal, and avoid delays or costly mistakes.

2. Get objective information and opinions. REALTORS® can provide local community information on utilities, zoning, schools, and more. They’ll also be able to provide objective information about each property. A professional will be able to help you answer these two important questions: Will the property provide the environment I want for a home or investment? Second, will the property have resale value when I am ready to sell?

3. Find the best property out there. Sometimes the property you are seeking is available but not actively advertised in the market, and it will take some investigation by your REALTOR® to find all available properties.

4. Benefit from their negotiating experience. There are many negotiating factors, including but not limited to price, financing, terms, date of possession, and inclusion or exclusion of repairs, furnishings, or equipment. In addition, the purchase agreement should provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase. Your agent can advise you as to which investigations and inspections are recommended or required.

5. Property marketing power. Real estate doesn’t sell due to advertising alone. In fact, a large share of real estate sales comes as the result of a practitioner’s contacts through previous clients, referrals, friends, and family. When a property is marketed with the help of a REALTOR®, you do not have to allow strangers into your home. Your REALTOR® will generally prescreen and accompany qualified prospects through your property.

6. Real estate has its own language. If you don’t know a CMA from a PUD, you can understand why it’s important to work with a professional who is immersed in the industry and knows the real estate language.

7. REALTORS® have done it before. Most people buy and sell only a few homes in a lifetime, usually with quite a few years in between each purchase. And even if you’ve done it before, laws and regulations change. REALTORS®, on the other hand, handle hundreds of real estate transactions over the course of their career. Having an expert on your side is critical.

8. Buying and selling is emotional. A home often symbolizes family, rest, and security — it’s not just four walls and a roof. Because of this, home buying and selling can be an emotional undertaking. And for most people, a home is the biggest purchase they’ll ever make. Having a concerned, but objective, third party helps you stay focused on both the emotional and financial issues most important to you.

9. Ethical treatment. Every member of the NATIONAL ASSOCIATION of REALTORS® makes a commitment to adhere to a strict Code of Ethics, which is based on professionalism and protection of the public. As a customer of a REALTOR®, you can expect honest and ethical treatment in all transaction-related matters. It is mandatory for REALTORS® to take the Code of Ethics orientation and they are also required to complete a refresher course every four years.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/questions-to-ask-when-choosing-a-realtor.html NjgtMTI5NTkyNDc3NA== Mon, 24 Jan 2011 20:06:14 -0700 What questions do you ask when choosing a Boise realtor?

Questions to Ask When Choosing a REALTOR ®

Make sure you choose a REALTOR® who will provide top-notch service and meet your unique needs.

1. How long have you been in residential real estate sales? Is it your full-time job? While experience is no guarantee of skill, real estate — like many other professions — is mostly learned on the job.

2. What designations do you hold? Designations such as GRI and CRS® — which require that agents take additional, specialized real estate training — are held by only about one-quarter of real estate practitioners.

3. How many homes did you and your real estate brokerage sell last year? By asking this question, you’ll get a good idea of how much experience the practitioner has.

4. How many days did it take you to sell the average home? How did that compare to the overall market?
The REALTOR® you interview should have these facts on hand, and be able to present market statistics from the local MLS to provide a comparison.

5. How close to the initial asking prices of the homes you sold were the final sale prices? This is one indication of how skilled the REALTOR® is at pricing homes and marketing to suitable buyers. Of course, other factors also may be at play, including an exceptionally hot or cool real estate market.

6. What types of specific marketing systems and approaches will you use to sell my home? You don’t want someone who’s going to put a For Sale sign in the yard and hope for the best. Look for someone who has aggressive and innovative approaches, and knows how to market your property competitively on the Internet. Buyers today want information fast, so it’s important that your REALTOR® is responsive.

7. Will you represent me exclusively, or will you represent both the buyer and the seller in the transaction? While it’s usually legal to represent both parties in a transaction, it’s important to understand where the practitioner’s obligations lie. Your REALTOR® should explain his or her agency relationship to you and describe the rights of each party.

8. Can you recommend service providers who can help me obtain a mortgage, make home repairs, and help with other things I need done? Because REALTORS ® are immersed in the industry, they’re wonderful resources as you seek lenders, home improvement companies, and other home service providers. Practitioners should generally recommend more than one provider and let you know if they have any special relationship with or receive compensation from any of the providers.

9. What type of support and supervision does your brokerage office provide to you? Having resources such as in-house support staff, access to a real estate attorney, and assistance with technology can help an agent sell your home.

10. What’s your business philosophy? While there’s no right answer to this question, the response will help you assess what’s important to the agent and determine how closely the agent’s goals and business emphasis mesh with your own.

11. How will you keep me informed about the progress of my transaction? How frequently? Again, this is not a question with a correct answer, but it reflects your desires. Do you want updates twice a week or do you not want to be bothered unless there’s a hot prospect? Do you prefer phone, e-mail, or a personal visit?

12. Could you please give me the names and phone numbers of your three most recent clients?
Ask recent clients if they would work with this REALTOR® again. Find out whether they were pleased with the communication style, follow-up, and work ethic of the REALTOR ®.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/take-the-stress-out-of-homebuying.html NjctMTI5NTkyNDczOQ== Mon, 24 Jan 2011 20:05:39 -0700 Purchasing Boise real estate doesn't have to be stressful.  Follow these helpful tips.

Take the Stress Out of Homebuying

Buying a home should be fun, not stressful. As you look for your dream home, keep in mind these tips for making the process as peaceful as possible.

1. Find a real estate agent who you connect with. Home buying is not only a big financial commitment, but also an emotional one. It’s critical that the REALTOR® you chose is both highly skilled and a good fit with your personality.

2. Remember, there’s no “right” time to buy, just as there’s no perfect time to sell. If you find a home now, don’t try to second-guess interest rates or the housing market by waiting longer — you risk losing out on the home of your dreams. The housing market usually doesn’t change fast enough to make that much difference in price, and a good home won’t stay on the market long.

3. Don’t ask for too many opinions. It’s natural to want reassurance for such a big decision, but too many ideas from too many people will make it much harder to make a decision. Focus on the wants and needs of your immediate family — the people who will be living in the home.

4. Accept that no house is ever perfect. If it’s in the right location, the yard may be a bit smaller than you had hoped. The kitchen may be perfect, but the roof needs repair. Make a list of your top priorities and focus in on things that are most important to you. Let the minor ones go.

5. Don’t try to be a killer negotiator. Negotiation is definitely a part of the real estate process, but trying to “win” by getting an extra-low price or by refusing to budge on your offer may cost you the home you love. Negotiation is give and take.

6. Remember your home doesn’t exist in a vacuum. Don’t get so caught up in the physical aspects of the house itself — room size, kitchen, etc. — that you forget about important issues as noise level, location to amenities, and other aspects that also have a big impact on your quality of life.

7. Plan ahead. Don’t wait until you’ve found a home and made an offer to get approved for a mortgage, investigate home insurance, and consider a schedule for moving. Presenting an offer contingent on a lot of unresolved issues will make your bid much less attractive to sellers.

8. Factor in maintenance and repair costs in your post-home buying budget. Even if you buy a new home, there will be costs. Don’t leave yourself short and let your home deteriorate.

9. Accept that a little buyer’s remorse is inevitable and will probably pass. Buying a home, especially for the first time, is a big financial commitment. But it also yields big benefits. Don’t lose sight of why you wanted to buy a home and what made you fall in love with the property you purchased.

10. Choose a home first because you love it; then think about appreciation. While U.S. homes have appreciated an average of 5.4 percent annually over from 1998 to 2002, a home’s most important role is to serve as a comfortable, safe place to live.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/7-tips-for-buying-in-a-tight-market.html NjYtMTI5NTkyNDcwNw== Mon, 24 Jan 2011 20:05:07 -0700 Is Boise real estate being sold out from under you?  These tips will help you become a powerful buyer in a competitive market.

7 Tips for Buying in a Tight Market

Increase your chances of getting your dream house in a competitive housing market, and lower your chances of losing out to another buyer.

1. Get prequalified for a mortgage. You’ll be able to make a firm commitment to buy and your offer will be more desirable to the seller.

2. Stay in close contact with your real estate agent to find out about the newest listings. Be ready to see a house as soon as it goes on the market — if it’s a great home, it will go fast.

3. Scout out new listings yourself. Look at Web sites such as REALTOR.com, browse your local newspaper’s real estate section, and drive through the neighborhood to spot For Sale signs. If you see a home you like, write down the address and the name of the listing agent. Your real estate agent will schedule a showing.

4. Be ready to make a decision. Spend a lot of time in advance deciding what you must have in a home so you won’t be unsure when you have the chance to make an offer.

5. Bid competitively. You may not want to start out offering the absolute highest price you can afford, but don’t go too low to get a deal. In a tight market, you’ll lose out.

6. Keep contingencies to a minimum. Restrictions such as needing to sell your home before you move or wanting to delay the closing until a certain date can make your offer unappealing. In a tight market, you’ll probably be able to sell your house rapidly. Or talk to your lender about getting a bridge loan to cover both mortgages for a short period.

7. Don’t get caught in a buying frenzy. Just because there’s competition doesn’t mean you should just buy it. And even though you want to make your offer attractive, don’t neglect inspections that help ensure that your house is sound.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/lender-checklist-what-you-need-for-a-mortgage.html NjUtMTI5NTkyNDY3Mw== Mon, 24 Jan 2011 20:04:33 -0700 Need a loan to purchase Boise real estate? Here's what a lender will need from you.

Lender Checklist: What You Need for a Mortgage

• W-2 forms — or business tax return forms if you're self-employed — for the last two or three years for every person signing the loan.
• Copies of at least one pay stub for each person signing the loan.
• Account numbers of all your credit cards and the amounts for any outstanding balances.
• Copies of two to four months of bank or credit union statements for both checking and savings accounts.
• Lender, loan number, and amount owed on other installment loans, such as student loans and car loans.
• Addresses where you’ve lived for the last five to seven years, with names of landlords if appropriate.
• Copies of brokerage account statements for two to four months, as well as a list of any other major assets of value, such as a boat, RV, or stocks or bonds not held in a brokerage account.
• Copies of your most recent 401(k) or other retirement account statement.
• Documentation to verify additional income, such as child support or a pension.
• Copies of personal tax forms for the last two to three years.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/10-questions-to-ask-your-lender.html NjQtMTI5NTkyNDYzNQ== Mon, 24 Jan 2011 20:03:55 -0700 Need a home loan to purchase Boise real estate?  Here are some good questions to ask lenders as you shop around.

10 Questions to Ask Your Lender

1. What are the most popular mortgages you offer? Why are they so popular?

2. Which type of mortgage plan do you think would be best for me? Why?

3. Are your rates, terms, fees, and closing costs negotiable?

4. Will I have to buy private mortgage insurance? If so, how much will it cost, and how long will it be required? (NOTE: Private mortgage insurance is usually required if your down payment is less than 20 percent. However, most lenders will let you discontinue PMI when you’ve acquired a certain amount of equity by paying down the loan.)

5. Who will service the loan — your bank or another company?

6. What escrow requirements do you have?

7. How long will this loan be in a lock-in period (in other words, the time that the quoted interest rate will be honored)? Will I be able to obtain a lower rate if it drops during this period?

8. How long will the loan approval process take?

9. How long will it take to close the loan?

10. Are there any charges or penalties for prepaying the loan?

Used with permission from Real Estate Checklists & Systems, www.realestatechecklists.com.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/loan-types-to-consider.html NjMtMTI5NTkyNDU5MA== Mon, 24 Jan 2011 20:03:10 -0700 What home loan is best for you?  Check out these loan types to consider when purchasing Boise real estate.

Loan Types to Consider

Brush up on these mortgage basics to help you determine the loan that will best suit your needs.

• Mortgage terms. Mortgages are generally available at 15-, 20-, or 30-year terms. In general, the longer the term, the lower the monthly payment. However, you pay more interest overall if you borrow for a longer term.
• Fixed or adjustable interest rates. A fixed rate allows you to lock in a low rate as long as you hold the mortgage and, in general, is usually a good choice if interest rates are low. An adjustable-rate mortgage is designed so that your loan’s interest rate will rise as market interest rates increase. ARMs usually offer a lower rate in the first years of the mortgage. ARMs also usually have a limit as to how much the interest rate can be increased and how frequently they can be raised. These types of mortgages are a good choice when fixed interest rates are high or when you expect your income to grow significantly in the coming years.
• Balloon mortgages. These mortgages offer very low interest rates for a short period of time — often three to seven years. Payments usually cover only the interest so the principal owed is not reduced. However, this type of loan may be a good choice if you think you will sell your home in a few years.
• Government-backed loans. These loans are sponsored by agencies such as the Federal Housing Administration (www.fha.gov) or the Department of Veterans Affairs (www.va.gov) and offer special terms, including lower down payments or reduced interest rates to qualified buyers.

Slight variations in interest rates, loan amounts, and terms can significantly affect your monthly payment. For help in determining how much your monthly payment will be for various loan amounts, use Fannie Mae’s online mortgage calculators.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/specialty-mortgages-risks-and-rewards.html NjItMTI5NTkyNDU0Mw== Mon, 24 Jan 2011 20:02:23 -0700 Specialty Mortgages: Risks and Rewards

In high-priced housing markets, it can be difficult to afford a home. That’s why a growing number of home buyers are forgoing traditional fixed-rate mortgages and standard adjustable-rate mortgages and instead opting for a specialty mortgage that lets them “stretch” their income so they can qualify for a larger loan.

But before you choose one of these mortgages, make sure you understand the risks and how they work.

Specialty mortgages often begin with a low introductory interest rate or payment plan — a “teaser”— but the monthly mortgage payments are likely to increase a lot in the future. Some are “low documentation” mortgages that come with easier standards for qualifying, but also higher interest rates or higher fees. Some lenders will loan you 100 percent or more of the home’s value, but these mortgages can present a big financial risk if the value of the house drops.

Specialty Mortgages Can:

• Pose a greater risk that you won’t be able to afford the mortgage payment in the future, compared to fixed rate mortgages and traditional adjustable rate mortgages.
• Have monthly payments that increase by as much as 50 percent or more when the introductory period ends.
• Cause your loan balance (the amount you still owe) to get larger each month instead of smaller.

Common Types of Specialty Mortgages:

• Interest-Only Mortgages: Your monthly mortgage payment only covers the interest you owe on the loan for the first 5 to 10 years of the loan, and you pay nothing to reduce the total amount you borrowed (this is called the “principal”). After the interest-only period, you start paying higher monthly payments that cover both the interest and principal that must be repaid over the remaining term of the loan.
• Negative Amortization Mortgages: Your monthly payment is less than the amount of interest you owe on the loan. The unpaid interest gets added to the loan’s principal amount, causing the total amount you owe to increase each month instead of getting smaller.
• Option Payment ARM Mortgages: You have the option to make different types of monthly payments with this mortgage. For example, you may make a minimum payment that is less than the amount needed to cover the interest and increases the total amount of your loan; an interest-only payment, or payments calculated to pay off the loan over either 30 years or 15 years.
• 40-Year Mortgages: You pay off your loan over 40 years, instead of the usual 30 years. While this reduces your monthly payment and helps you qualify to buy a home, you pay off the balance of your loan much more slowly and end up paying much more interest.

Questions to Consider Before Choosing a Specialty Mortgage:

• How much can my monthly payments increase and how soon can these increases happen?
• Do I expect my income to increase or do I expect to move before my payments go up?
• Will I be able to afford the mortgage when the payments increase?
• Am I paying down my loan balance each month, or is it staying the same or even increasing?
• Will I have to pay a penalty if I refinance my mortgage or sell my house?
• What is my goal in buying this property? Am I considering a riskier mortgage to buy a more expensive house than I can realistically afford?

Be sure you work with a REALTOR® and lender who can discuss different options and address your questions and concerns!

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

]]> http://www.stewartrealtyllc.com/buyers/creative-ways-to-afford-a-home.html NjEtMTI5NTkyNDQ5Ng== Mon, 24 Jan 2011 20:01:36 -0700 It's a good time to buy Boise real estate! Here are some creative ways to afford a home.

Creative Ways to Afford a Home

1. Investigate local, state, and national down payment assistance programs. These programs give qualified applicants loans or grants to cover all or part of your required down payment. National programs include the Nehemiah program, www.getdownpayment.com, and the American Dream Down Payment Fund from the Department of Housing and Urban Development, www.hud.gov.

2. Explore seller financing. In some cases, sellers may be willing to finance all or part of the purchase price of the home and let you repay them gradually, just as you would do with a mortgage.

3. Consider a shared-appreciation or shared-equity arrangement. Under this arrangement, your family, friends, or even a third-party may buy a portion of the home and share in any appreciation when the home is sold. The owner/occupant usually pays the mortgage, property taxes, and maintenance costs, but all the investors' names are usually on the mortgage. Companies are available that can help you find such an investor, if your family can’t participate.

4. Ask your family for help. Perhaps a family member will loan you money for the down payment or act as a co-signer for the mortgage. Lenders often like to have a co-signer if you have little credit history.

5. Lease with the option to buy. Renting the home for a year or more will give you the chance to save more toward your down payment. And in many cases, owners will apply some of the rental amount toward the purchase price. You usually have to pay a small, nonrefundable option fee to the owner.

6. Consider a short-term second mortgage. If you can qualify for a short-term second mortgage, this would give you money to make a larger down payment. This may be possible if you’re in good financial standing, with a strong income and little other debt.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATION

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

AL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

 

]]> http://www.stewartrealtyllc.com/buyers/how-big-of-a-mortgage-can-i-afford.html NjAtMTI5NTkxMTc1MA== Mon, 24 Jan 2011 16:29:10 -0700 Is your current Boise home too small? Here's how you can calculate how big of a mortgage you can afford.

How Big of a Mortgage Can I Afford?

Not only does owning a home give you a haven for yourself and your family, it also makes great financial sense because of the tax benefits — which you can’t take advantage of when paying rent.

The following calculation assumes a 28 percent income tax bracket. If your bracket is higher, your savings will be, too. Based on your current rent, use this calculation to figure out how much mortgage you can afford.

Rent: _________________________

Multiplier: x 1.32

Mortgage payment: _________________________

Because of tax deductions, you can make a mortgage payment — including taxes and insurance — that is approximately one-third larger than your current rent payment and end up with the same amount of income.

For more help, use Fannie Mae’s online mortgage calculators.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/get-your-finances-in-order-to-do-list.html NTktMTI5NTkxMTY4Ng== Mon, 24 Jan 2011 16:28:06 -0700
Want to buy a Boise home? Here's how to get your finances in order:

Get Your Finances in Order: To-Do List

1. Develop a household budget. Instead of creating a budget of what you’d like to spend, use receipts to create a budget that reflects your actual spending habits over the last several months. This approach will factor in unexpected expenses, such as car repairs, as well as predictable costs such as rent, utility bills, and groceries.

2. Reduce your debt. Lenders generally look for a total debt load of no more than 36 percent of income. This figure includes your mortgage, which typically ranges between 25 and 28 percent of your net household income. So you need to get monthly payments on the rest of your installment debt — car loans, student loans, and revolving balances on credit cards — down to between 8 and 10 percent of your net monthly income.

3. Look for ways to save. You probably know how much you spend on rent and utilities, but little expenses add up, too. Try writing down everything you spend for one month. You’ll probably spot some great ways to save, whether it’s cutting out that morning trip to Starbucks or eating dinner at home more often.

4. Increase your income. Now’s the time to ask for a raise! If that’s not an option, you may want to consider taking on a second job to get your income at a level high enough to qualify for the home you want.

5. Save for a down payment. Designate a certain amount of money each month to put away in your savings account. Although it’s possible to get a mortgage with only 5 percent down, or even less, you can usually get a better rate if you put down a larger percentage of the total purchase. Aim for a 20 percent down payment.

6. Keep your job. While you don’t need to be in the same job forever to qualify for a home loan, having a job for less than two years may mean you have to pay a higher interest rate.

7. Establish a good credit history. Get a credit card and make payments by the due date. Do the same for all your other bills, too. Pay off the entire balance promptly.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/budget-basics-worksheet.html NTgtMTI5NTkxMTYzOQ== Mon, 24 Jan 2011 16:27:19 -0700 Just in time for New Year's resolutions...budgeting basics!  With these tips you'll be a Boise Home owner in no time!

Budget Basics Worksheet

The first step in getting yourself in financial shape to buy a home is to know exactly how much money comes in and how much goes out. Use this worksheet to list your income and expenses below.

INCOME
Take Home Pay (all family members)
Child Support/Alimony
Pension/Social Security
Disability/Other Insurance
Interest/Dividends
Other
Total Income

EXPENSES
Rent/Mortgage (include taxes, principal, and insurance)
Life Insurance
Health/Disability Insurance
Vehicle Insurance
Homeowner’s or Other Insurance
Car Payments
Other Loan Payments
Savings/Pension Contribution
Utilities (gas, water, electric, phone)
Credit Card Payments
Car Upkeep (gas, maintenance, etc.)
Clothing
Personal Care Products (shampoo, cologne, etc.)
Groceries
Food Outside the Home (restaurant meals and carryout)
Medical/Dental/Prescriptions
Household Goods (hardware, lawn, and garden)
Recreation/Entertainment
Child Care
Education (continuing education, classes, etc.)
Charitable Donations
Miscellaneous
Total Expenses
Remaining Income After Expenses (Subtract Total Income from Total Expenses)

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/what-you-can-do-to-improve-your-credit.html NTctMTI5NTkxMTYwMg== Mon, 24 Jan 2011 16:26:42 -0700 Planning to purchase a Boise home in the future? Here are some tips to improve your credit now.

What You Can Do to Improve Your Credit

Credit scores, along with your overall income and debt, are big factors in determining whether you’ll qualify for a loan and what your loan terms will be. So, keep your credit score high by doing the following:

1. Check for and correct any errors in your credit report. Mistakes happen, and you could be paying for someone else’s poor financial management.

2. Pay down credit card bills. If possible, pay off the entire balance every month. Transferring credit card debt from one card to another could lower your score.

3. Don’t charge your credit cards to the maximum limit.

4. Wait 12 months after credit difficulties to apply for a mortgage. You’re penalized less for problems after a year.

5. Don’t order items for your new home on credit — such as appliances and furniture — until after the loan is approved. The amounts will add to your debt.

6. Don’t open new credit card accounts before applying for a mortgage. Too much available credit can lower your score.

7. Shop for mortgage rates all at once. Too many credit applications can lower your score, but multiple inquiries from the same type of lender are counted as one inquiry if submitted over a short period of time.

8. Avoid finance companies. Even if you pay the loan on time, the interest is high and it will probably be considered a sign of poor credit management.

This information is copyrighted by the Fannie Mae Foundation and is used with permission of the Fannie Mae Foundation. To obtain a complete copy of the publication, Knowing and Understanding Your Credit, visit www.homebuyingguide.org.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/tax-benefits-of-homeownership.html NTYtMTI5NTkxMTU2NA== Mon, 24 Jan 2011 16:26:04 -0700 Your Boise home tax benefits.

Tax Benefits of Homeownership

The tax deductions you’re eligible to take for mortgage interest and property taxes greatly increase the financial benefits of homeownership. Here’s how it works.
Assume:
$9,877 = Mortgage interest paid (a loan of $150,000 for 30 years, at 7 percent, using year-five interest)
$2,700 = Property taxes (at 1.5 percent on $180,000 assessed value)
______

$12,577 = Total deduction

Then, multiply your total deduction by your tax rate.
For example, at a 28 percent tax rate: 12,577 x 0.28 = $3,521.56
$3,521.56 = Amount you have lowered your federal income tax (at 28 percent tax rate)

Note: Mortgage interest may not be deductible on loans over $1.1 million. In addition, deductions are decreased when total income reaches a certain level.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/property-tax-questions-you-need-to-ask.html NTUtMTI5NTkxMTUyNg== Mon, 24 Jan 2011 16:25:26 -0700 Boise real estate property tax questions you should ask.

Property Tax Questions You Need to Ask

1. What is the assessed value of the property? Note that assessed value is generally less than market value. Ask to see a recent copy of the seller’s tax bill to help you determine this information.

2. How often are properties reassessed, and when was the last reassessment done? In general, taxes jump most significantly when a property is reassessed.

3. Will the sale of the property trigger a tax increase? The assessed value of the property may increase based on the amount you pay for the property. And in some areas, such as California, taxes may be frozen until resale.

4. Is the amount of taxes paid comparable to other properties in the area? If not, it might be possible to appeal the tax assessment and lower the rate.

5. Does the current tax bill reflect any special exemptions that I might not qualify for? For example, many tax districts offer reductions to those 65 or over.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/8-tips-to-guide-for-your-home-search.html NTQtMTI5NTkxMTQ4Mw== Mon, 24 Jan 2011 16:24:43 -0700 Looking for a home in the Boise Area?

Looking for just the right home can be a daunting task, one that can consume vast amounts of often limited time and energy.  Not to mention the challenges it presents in the way of figuring out what is truly important to you and family members.

The eight tips that follow can be your informal roadmap to organizing your search and reducing the stress associated with what might be one of the biggest decisions your family will make.

8 Tips to Guide for Your Home Search

1. Research before you look. Decide what features you most want to have in a home, what neighborhoods you prefer, and how much you’d be willing to spend each month for housing.

2. Be realistic. It’s OK to be picky, but don’t be unrealistic with your expectations. There’s no such thing as a perfect home. Use your list of priorities as a guide to evaluate each property.

3. Get your finances in order. Review your credit report and be sure you have enough money to cover your down payment and closing costs. Then, talk to a lender and get prequalified for a mortgage. This will save you the heartache later of falling in love with a house you can’t afford.

4. Don’t ask too many people for opinions. It will drive you crazy. Select one or two people to turn to if you feel you need a second opinion, but be ready to make the final decision on your own.

5. Decide your moving timeline. When is your lease up? Are you allowed to sublet? How tight is the rental market in your area? All of these factors will help you determine when you should move.

6. Think long term. Are you looking for a starter house with plans to move up in a few years, or do you hope to stay in this home for a longer period? This decision may dictate what type of home you’ll buy as well as the type of mortgage terms that will best suit you.

7. Insist on a home inspection. If possible, get a warranty from the seller to cover defects for one year.

8. Get help from a REALTOR®. Hire a real estate professional who specializes in buyer representation. Unlike a listing agent, whose first duty is to the seller, a buyer’s representative is working only for you. Buyer’s reps are usually paid out of the seller’s commission payment.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/tips-for-finding-the-perfect-neighborhood.html NTMtMTI5NTkxMTMxNw== Mon, 24 Jan 2011 16:21:57 -0700 How to find the perfect Boise neighborhood.

You've heard location, location, location when buying a home.  Follow these steps to find that Boise community to call home.

Tips for Finding the Perfect Neighborhood

Your neighborhood has a big impact on your lifestyle. Follow these steps to find the perfect community to call home.

• Is it close to your favorite spots? Make a list of the activities — movies, health club, church, etc. — you engage in regularly and stores you visit frequently. See how far you would have to travel from each neighborhood you’re considering to engage in your most common activities.
• Check out the school district. This is especially important if you have children, but it also can affect resale value. The Department of Education in your town can probably provide information on test scores, class size, percentage of students who attend college, and special enrichment programs. If you have school-age children, visit schools in the neighborhoods you’re considering. Also, check out www.schoolmatters.com.
• Find out if the neighborhood is safe. Ask the police department for neighborhood crime statistics. Consider not only the number of crimes but also the type — such as burglaries or armed robberies — and the trend of increasing or decreasing crime. Also, is crime centered in only one part of the neighborhood, such as near a retail area?
• Determine if the neighborhood is economically stable. Check with your local city economic development office to see if income and property values in the neighborhood are stable or rising. What is the percentage of homes to apartments? Apartments don’t necessarily diminish value, but do mean a more transient population. Do you see vacant businesses or homes that have been for sale for months?
• See if you’ll make money. Ask a local REALTOR® or call the local REALTOR® association to get information about price appreciation in the neighborhood. Although past performance is no guarantee of future results, this information may give you a sense of how good of an investment your home will be. A REALTOR® or the government planning agency also may be able to tell you about planned developments or other changes in the neighborhood — like a new school or highway — that might affect value.
• Make personal observations. Once you’ve narrowed your focus to two or three neighborhoods, go there and walk around. Are homes tidy and well maintained? Are streets quiet? How does it feel? Pick a warm day if you can and chat with people working or playing outside.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

  ]]> http://www.stewartrealtyllc.com/buyers/how-high-tech-home-is-your-home.html NTItMTI5NTkxMTI3OQ== Mon, 24 Jan 2011 16:21:19 -0700 How high tech is your Boise home?  What to look for in high tech Boise area real estate.

How High Tech Home is Your Home?

If the latest technology or entertainment options are important in your new home, add the following questions to your buyer’s checklist.

1. Are there enough jacks in every room for cable TV and high-speed Internet hookups?

2. Are there ample telephone extensions or jacks?

3. Is the home pre-wired for home theater or multiroom audio and video? Does it have in-wall speakers?

4. Does the home have a local area network (LAN) for linking computers?

5. Does the home already have wiring for DSL or another high-speed Internet connection?

6. Does the home have multizoning heating and cooling controls with programmable thermostats?

7. Does the home have multiroom lighting controls, window-covering controls, or other home automation features?

8. Is the home wired with multipurpose in-wall wiring that allows for reconfigurations to update services as technology changes?

To rate the home on its technological sophistication, fill out the Consumer Electronics Association’s TechHome checklist at www.ce.org/techhomerating.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

 

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/pros-and-cons-of-going-condo.html NTEtMTI5NTkxMTI0NQ== Mon, 24 Jan 2011 16:20:45 -0700 To buy a condo or not buy a condo?  Here's something you should consider before buying this type of Boise real estate.

Pros and Cons of Going Condo

Condominiums and townhouses offer an affordable option to single-family homes in many markets, and they’re ideal for those who appreciate a maintenance-free lifestyle. But before you buy, make sure you do your legwork. These are some of the important elements to consider:

• Storage. Some condos have storage lockers, but usually there are no attics or basements to hold extra belongings.
• Outdoor space. Yards and outdoor areas are usually smaller in condos, so if you like to garden or entertain outdoors, this may not be a good fit. However, if you dread yard work, this may be the perfect option for you.
• Amenities. Many condo properties have swimming pools, fitness centers, and other facilities that would be very expensive in a single-family home.
• Maintenance. Many condos have onsite maintenance personnel to care for common areas, do repairs in your unit, and let in workers when you’re not home — good news if you like to travel.
• Security. Keyed entries and even doormen are common in many condos. You’re also closer to other people in case of an emergency.
• Reserve funds and association fees. Although fees generally help pay for amenities and provide savings for future repairs, you will have to pay the fees decided by the condo board, whether or not you’re interested in the amenity.
• Resale. The ease of selling your unit may be dependent on what else is for sale in your building, since units are usually fairly similar.
• Condo rules. Although you have a vote, the rules of the condo association can affect your ability to use your property. For example, some condos prohibit home-based businesses. Others prohibit pets, or don’t allow owners to rent out their units. Read the covenants, restrictions, and bylaws of the condo carefully before you make an offer.
• Neighbors. You’re much closer to your neighbors in a condo or town home. If possible, try to meet your closest prospective neighbors.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/10-questions-to-ask-the-condo-board.html NTAtMTI5NTkxMTIwOQ== Mon, 24 Jan 2011 16:20:09 -0700 Before buying a Condo, ask the Condo Board these questions:

10 Questions to Ask the Condo Board

Before you buy, contact the condo board with the following questions. In the process, you’ll learn how responsive — and organized — its members are. You’ll also be alerted to potential problems with the property.

1. What percentage of units is owner-occupied? What percentage is tenant-occupied? Generally, the higher the percentage of owner-occupied units, the more marketable the units will be at resale.

2. What covenants, bylaws, and restrictions govern the property? What grandfather clauses are in place? You may find, for instance, that those who buy a property after a certain date can’t rent out their units, but buyers who bought earlier can. Ask for a copy of the bylaws to determine if you can live within them. And have an attorney review property docs, including the master deed, for you.

3. How much does the association keep in reserve? Plus, find out how that money is being invested.

4. Are association assessments keeping pace with the annual rate of inflation? Smart boards raise assessments a certain percentage each year to build reserves to fund future repairs. To determine if the assessment is reasonable, compare the rate to others in the area.

5. What does and doesn’t the assessment cover? Does the assessment include common-area maintenance, recreational facilities, trash collection, and snow removal?

6. What special assessments have been mandated in the past five years? How much was each owner responsible for? Some special assessments are unavoidable. But repeated, expensive assessments could be a red flag about the condition of the building or the board’s fiscal policy.

7. How much turnover occurs in the building? This will tell you if residents are generally happy with the building. According to research by the NATIONAL ASSOCIATION OF REALTORS®, owners of condos in two-to-four unit buildings stay for a median of five years, and owners of condos in a building with five or more units stay for a median of four years.

8. Is the condo building in litigation? This is never a good sign. If the builders or home owners are involved in a lawsuit, reserves can be depleted quickly.

9. Is the developer reputable? Find out what other projects the developer has built and visit one if you can. Ask residents about their perceptions. Request an engineer’s report for developments that have been reconverted from other uses to determine what shape the building is in. If the roof, windows, and bricks aren’t in good repair, they become your problem once you buy.

10. Are multiple associations involved in the property? In very large developments, umbrella associations, as well as the smaller association into which you’re buying, may require separate assessments.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/5-things-to-know-about-homeowner’s-insurance.html NDktMTI5NTkxMTE1Mw== Mon, 24 Jan 2011 16:19:13 -0700 Get your Boise home insured. Important points about homeowner's insurance.

5 Things to Know About Homeowner’s Insurance

1. Know about exclusions to coverage. For example, most insurance policies do not cover flood or earthquake damage as a standard item. These types of coverage must be bought separately.

2. Know about dollar limitations on claims. Even if you are covered for a risk, there may be a limit on how much the insurer will pay. For example, many policies limit the amount paid for stolen jewelry unless items are insured separately.

3. Know the replacement cost. If your home is destroyed you’ll receive money to replace it only to the maximum of your coverage, so be sure your insurance is sufficient. This means that if your home is insured for $150,000 and it costs $180,000 to replace it, you’ll only receive $150,000.

4. Know the actual cash value. If you chose not to replace your home when it’s destroyed, you’ll receive replacement cost, less depreciation. This is called actual cash value.

5. Know the liability. Generally your homeowner’s insurance covers you for accidents that happen to other people on your property, including medical care, court costs, and awards by the court. However, there is usually an upper limit to the amount of coverage provided. Be sure that it’s sufficient if you have significant assets.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/tips-for-lowering-homeowner’s-insurance-costs.html NDgtMTI5NTkxMTExNQ== Mon, 24 Jan 2011 16:18:35 -0700 Do you own a Boise home?  Do you want to lower your homeowner's insurance costs?  Check out these tips!

Tips for Lowering Homeowner’s Insurance Costs

1. Review the Comprehensive Loss Underwriting Exchange (CLUE) report on the property you’re interested in buying. CLUE reports detail the property’s claims history for the most recent five years, which insurers may use to deny coverage. Make the sale contingent on a home inspection to ensure that problems identified in the CLUE report have been repaired.

2. Seek insurance coverage as soon as your offer is approved. You must obtain insurance to buy. And you don’t want to be told at closing that the insurer has denied your coverage.

3. Maintain good credit. Insurers often use credit-based insurance scores to determine premiums.

4. Buy your home owners and auto policies from the same company and you’ll usually qualify for savings. But make sure the discount really yields the lowest price.

5. Raise your deductible. If you can afford to pay more toward a loss that occurs, your premiums will be lower. Avoid making claims under $1,000.

6. Ask about other discounts. For example, retirees who tend to be home more than full-time workers may qualify for a discount on theft insurance. You also may be able to obtain discounts for having smoke detectors, a burglar alarm, or dead-bolt locks.

7. Seek group discounts. If you belong to any groups, such as associations or alumni organizations, they may have deals on insurance coverage.

8. Review your policy limits and the value of your home and possessions annually. Some items depreciate and may not need as much coverage.

9. Investigate a government-backed insurance plan. In some high-risk areas, federal or state government may back plans to lower rates. Ask your agent.

10. Be sure you insure your house for the correct amount. Remember, you’re covering replacement cost, not market value.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/5-things-to-know-about-title-insurance.html NDctMTI5NTkxMTA2Nw== Mon, 24 Jan 2011 16:17:47 -0700 Looking to buy a Boise Home?  Here are some things to know about title insurance.

5 Things to Know About Title Insurance

Title insurance protects the holder from any losses sustained from defects in the title. It’s required by most mortgage lenders. Here are five other things you should know about title insurance.

1. It protects your ownership right to your home, both from fraudulent claims against your ownership and from mistakes made in earlier sales, such as mistake in the spelling of a person’s name or an inaccurate description of the property.

2. It’s a one-time cost usually based on the price of the property.

3. It’s usually paid for by the sellers, although this can vary depending on your state and local customs.

4. There are both lender title policies, which protect the lender, and owner title policies, which protect you. The lender will probably require a lender policy.

5. Discounts on premiums are sometimes available if the home has been bought within only a few years since not as much work is required to check the title. Ask the title company if this discount is available.

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/10-questions-to-ask-home-inspectors.html NDYtMTI5NTkxMTAzMQ== Mon, 24 Jan 2011 16:17:11 -0700 How do you choose a Boise home inspector?  Here are 10 good questions to ask a perspective inspector before you make your decision.

10 Questions to Ask Home Inspectors

Before you make your final buying or selling decision, you should have the home inspected by a professional. An inspection can alert you to potential problems with a property and allow you to make an informed decision. Ask these questions to prospective home inspectors:

1. Will your inspection meet recognized standards? Ask whether the inspection and the inspection report will meet all state requirements and comply with a well-recognized standard of practice and code of ethics, such as the one adopted by the American Society of Home Inspectors or the National Association of Home Inspectors. Customers can view each group’s standards of practice and code of ethics online at www.ashi.org or www.nahi.org. ASHI’s Web site also provides a database of state regulations.

2. Do you belong to a professional home inspector association? There are many state and national associations for home inspectors, including the two groups mentioned in No. 1. Unfortunately, some groups confer questionable credentials or certifications in return for nothing more than a fee. Insist on members of reputable, nonprofit trade organizations; request to see a membership ID.

3. How experienced are you? Ask how long inspectors have been in the profession and how many inspections they’ve completed. They should provide customer referrals on request. New inspectors also may be highly qualified, but they should describe their training and let you know whether they plan to work with a more experienced partner.

4. How do you keep your expertise up to date? Inspectors’ commitment to continuing education is a good measure of their professionalism and service. Advanced knowledge is especially important in cases in which a home is older or includes unique elements requiring additional or updated training.

5. Do you focus on residential inspection? Make sure the inspector has training and experience in the unique discipline of home inspection, which is very different from inspecting commercial buildings or a construction site. If your customers are buying a unique property, such as a historic home, they may want to ask whether the inspector has experience with that type of property in particular.

6. Will you offer to do repairs or improvements? Some state laws and trade associations allow the inspector to provide repair work on problems uncovered during the inspection. However, other states and associations forbid it as a conflict of interest. Contact your local ASHI chapter to learn about the rules in your state.

7. How long will the inspection take? On average, an inspector working alone inspects a typical single-family house in two to three hours; anything significantly less may not be thorough. If your customers are purchasing an especially large property, they may want to ask whether additional inspectors will be brought in.

8. What’s the cost? Costs can vary dramatically, depending on your region, the size and age of the house, and the scope of services. The national average for single-family homes is about $320, but customers with large homes can expect to pay more. Customers should be wary of deals that seem too good to be true.

9. What type of inspection report do you provide? Ask to see samples to determine whether you will understand the inspector's reporting style. Also, most inspectors provide their full report within 24 hours of the inspection.

10. Will I be able to attend the inspection? The answer should be yes. A home inspection is a valuable educational opportunity for the buyer. An inspector's refusal to let the buyer attend should raise a red flag.

Source: Rob Paterkiewicz, executive director, American Society of Home Inspectors, Des Plaines, Ill., www.ashi.org.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

 

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/what-a-home-inspection-should-cover.html NDUtMTI5NTkxMDk5NQ== Mon, 24 Jan 2011 16:16:35 -0700 Boise real estate home inspections.  What should be inspected in your Boise home?

What a Home Inspection Should Cover

Home inspections will vary depending on the type of property you are purchasing. A large historic home, for example, will require a more specialized inspection than a small condominium. However, the following are the basic elements that a home inspector will check. You can also use this list to help you evaluate properties you might purchase.

For more information, try the virtual home inspection at www.ASHI.org, the Web site of the American Society of Home Inspectors.

Structure: A home’s skeleton impacts how the property stands up to weather, gravity, and the earth. Structural components, including the foundation and the framing, should be inspected.

Exterior: The inspector should look at sidewalks, driveways, steps, windows, and doors. A home’s siding, trim, and surface drainage also are part of an exterior inspection.

• Doors and windows
• Siding (brick, stone, stucco, vinyl, wood, etc.)
• Driveways/sidewalks
• Attached porches, decks, and balconies

Roofing: A well-maintained roof protects you from rain, snow, and other forces of nature. Take note of the roof’s age, conditions of flashing, roof draining systems (pooling water), buckled shingles, loose gutters and downspouts, skylight, and chimneys.

Plumbing: Thoroughly examine the water supply and drainage systems, water heating equipment, and fuel storage systems. Drainage pumps and sump pumps also fall under this category. Poor water pressure, banging pipes, rust spots, or corrosion can indicate problems.

Electrical: Safe electrical wiring is essential. Look for the condition of service entrance wires, service panels, breakers and fuses, and disconnects. Also take note of the number of outlets in each room.

Heating: The home’s heating system, vent system, flues, and chimneys should be inspected. Look for age of water heater, whether the size is adequate for the house, speed of recovery, and energy rating.

Air Conditioning: Your inspector should describe your home cooling system, its energy source, and inspect the central and through-wall cooling equipment. Consider the age and energy rating of the system.

Interiors: An inspection of the inside of the home can reveal plumbing leaks, insect damage, rot, construction defects, and other issues. An inspector should take a close look at:

• Walls, ceilings and floors
• Steps, stairways, and railings
• Countertops and cabinets
• Garage doors and garage door systems

Ventilation/insulation: To prevent energy loss, check for adequate insulation and ventilation in the attic and in unfinished areas such as crawlspaces. Also look for proper, secured insulation in walls. Insulation should be appropriate for the climate. Excess moisture in the home can lead to mold and water damage.

Fireplaces: They’re charming, but they could be dangerous if not properly installed. Inspectors should examine the system, including the vent and flue, and describe solid fuel burning appliances.

Source: American Society of Home Inspectors (www.AHSI.org)

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

 

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/whats-a-home-warranty.html NDQtMTI5NTkxMDk1Mw== Mon, 24 Jan 2011 16:15:53 -0700 Does your Boise home need a home warranty?  Here is the definition of a home warranty for Boise real estate.

What's a Home Warranty?

A home warranty is a service contract, normally for one year, which helps protect home owners against the cost of unexpected covered repairs or replacement on their major systems and appliances that break down due to normal wear and tear. Coverage is for systems and appliances in good working order at the start of the contract.

Check your home warranty policy to see which of the following items are covered. Also find out if the policy covers the full replacement cost of an item.

• Plumbing
• Electrical systems
• Furnace
• Water heater
• Heating ducts
• Water pump
• Dishwasher
• Garbage disposal
• Stove/cooktop/ovens
• Microwave
• Refrigerator
• Washer/dryer
• Swimming pool (may be optional)

Source: American Home Shield, www.ahswarranty.com, REALTOR® Benefits Partner

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

 

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/17-tips-for-packing-like-a-pro.html NDMtMTI5NTkxMDkxNw== Mon, 24 Jan 2011 16:15:17 -0700 Moving into or out of your Boise home?  Here are some great packing tips!

17 Tips for Packing Like a Pro

Moving to a new home can be stressful, to say the least. Make it easy on yourself by planning far in advance and making sure you’ve covered all the bases.

1. Plan ahead by organizing and budgeting. Develop a master “to do” list so you won’t forget something critical on moving day, and create an estimate of moving costs. (A moving calculator is available at REALTOR.com)

2. Sort and get rid of things you no longer want or need. Have a garage sale, donate to a charity, or recycle.

3. But don’t throw out everything. If your inclination is to just toss it, you're probably right. However, it's possible to go overboard in the heat of the moment. Ask yourself how frequently you use an item and how you’d feel if you no longer had it. That will eliminate regrets after the move.

4. Pack similar items together. Put toys with toys, kitchen utensils with kitchen utensils. It will make your life easier when it's time to unpack.

5. Decide what, if anything, you plan to move on your own. Precious items such as family photos, valuable breakables, or must-haves during the move should probably stay with you. Don't forget to keep a "necessities" bag with tissues, snacks, and other items you'll need that day.

6. Remember, most movers won’t take plants. If you don't want to leave them behind, you should plan on moving them yourself.

7. Use the right box for the item. Loose items are prone to breakage.

8. Put heavy items in small boxes so they’re easier to lift. Keep the weight of each box under 50 pounds, if possible.

9. Don’t over-pack boxes. It increases the likelihood that items inside the box will break.

10. Wrap every fragile item separately and pad bottom and sides of boxes. If necessary, purchase bubble-wrap or other packing materials from moving stores.

11. Label every box on all sides. You never know how they’ll be stacked and you don’t want to have to move other boxes aside to find out what’s there.

12. Use color-coded labels to indicate which room each item should go in. Color-code a floor plan for your new house to help movers.

13. Keep your moving documents together in a file. Include important phone numbers, driver’s name, and moving van number. Also keep your address book handy.

14. Print out a map and directions for movers. Make several copies, and highlight the route. Include your cell phone number on the map. You don’t want movers to get lost! Also make copies for friends or family who are lending a hand on moving day.

15. Back up your computer files before moving your computer. Keep the backup in a safe place, preferably at an off-site location.

16. Inspect each box and all furniture for damage as soon as it arrives.

17. Make arrangements for small children and pets. Moving can be stressful and emotional. Kids can help organize their things and pack boxes ahead of time, but, if possible, it might be best to spare them from the moving-day madness.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/what-not-to-overlook-on-a-final-walk-through.html NDItMTI5NTkxMDg0OA== Mon, 24 Jan 2011 16:14:08 -0700 Are you ready for the final walk-through of your Boise home purchase?  Reference this list during your appointment.

What Not to Overlook on a Final Walk-through

It’s guaranteed to be hectic right before closing, but you should always make time for a final walk-through. Your goal is to make sure that your home is in the same condition you expected it would be. Ideally, the sellers already have moved out. This is your last chance to check that appliances are in working condition and that agreed-upon repairs have been made. Here’s a detailed list of what not to overlook for on your final walk-through.

Make sure that:

• Repairs you’ve requested have been made. Obtain copies of paid bills and warranties.
• There are no major changes to the property since you last viewed it.
• All items that were included in the sale price — draperies, lighting fixtures, etc. — are still there.
• Screens and storm windows are in place or stored.
• All appliances are operating, such as the dishwasher, washer and dryer, oven, etc.
• Intercom, doorbell, and alarm are operational.
• Hot water heater is working.
• No plants or shrubs have been removed from the yard.
• Heating and air conditioning system is working
• Garage door opener and other remotes are available.
• Instruction books and warranties on appliances and fixtures are available.
• All personal items of the sellers and all debris have been removed. Check the basement, attic, and every room, closet, and crawlspace.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/closing-documents-you-should-keep.html NDEtMTI5NTkxMDc5Ng== Mon, 24 Jan 2011 16:13:16 -0700 Have you just purchased Boise real estate?  These are the closing documents you should keep.

Closing Documents You Should Keep

On closing day, expect to sign a lot of documents and walk away with a big stack of papers. Here’s a list of the most important documents you should file away for future reference.

• HUD-1 settlement statement. Itemizes all the costs — commissions, loan fees, points, and hazard insurance —associated with the closing. You’ll need it for income tax purposes if you paid points.
• Truth in Lending statement. Summarizes the terms of your mortgage loan, including the annual percentage rate and recision period.
• Mortgage and note. Spell out the legal terms of your mortgage obligation and the agreed-upon repayment terms.
• Deed. Transfers ownership to you.
• Affidavits. Binding statements by either party. For example, the sellers will often sign an affidavit stating that they haven’t incurred any liens.
• Riders. Amendments to the sales contract that affect your rights. Example: The sellers won’t move out until two weeks after closing but will pay rent to the buyers during that period.
• Insurance policies. Provide a record and proof of your coverage.

Sources: Credit Union National Association; Mortgage Bankers Association; Home-Buyer’s Guide (Real Estate Center at Texas A&M, 2000)

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/buyers/common-closing-costs-for-buyers.html NDAtMTI5NTkxMDc1Ng== Mon, 24 Jan 2011 16:12:36 -0700 Closing on a Boise home?  Here are some common buyer closing costs.

Common Closing Costs for Buyers

You’ll likely be responsible for a variety of fees and expenses that you and the seller will have to pay at the time of closing. Your lender must provide a good-faith estimate of all settlement costs. The title company or other entity conducting the closing will tell you the required amount for:

• Down payment
• Loan origination
• Points, or loan discount fees, which you pay to receive a lower interest rate
• Home inspection
• Appraisal
• Credit report
• Private mortgage insurance premium
• Insurance escrow for homeowner’s insurance, if being paid as part of the mortgage
• Property tax escrow, if being paid as part of the mortgage. Lenders keep funds for taxes and insurance in escrow accounts as they are paid with the mortgage, then pay the insurance or taxes for you.
• Deed recording
• Title insurance policy premiums
• Land survey
• Notary fees
• Prorations for your share of costs, such as utility bills and property taxes

A Note About Prorations: Because such costs are usually paid on either a monthly or yearly basis, you might have to pay a bill for services used by the sellers before they moved. Proration is a way for the sellers to pay you back or for you to pay them for bills they may have paid in advance. For example, the gas company usually sends a bill each month for the gas used during the previous month. But assume you buy the home on the 6th of the month. You would owe the gas company for only the days from the 6th to the end for the month. The seller would owe for the first five days. The bill would be prorated for the number of days in the month, and then each person would be responsible for the days of his or her ownership.

« Back to Buyers Reports

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/sellers/8-reasons-why-you-should-work-with-a-realtor.html MzktMTI5NTkxMDY5MA== Mon, 24 Jan 2011 16:11:30 -0700 Considering selling your Boise area real estate?

As you start planning to sell your property, one of the first decisions you will face is whether you should try to sell the property yourself or enlist the services of a real estate agent.

Before you make that decision consider the following reasons you should give serious consideration to working with  a real estate professional, one who is a REALTOR®

8 Reasons Why You Should Work With a REALTOR®

Not all real estate practitioners are REALTORS®. The term REALTOR® is a registered trademark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION of REALTORS® and subscribes to its strict Code of Ethics. Here are five reasons why it pays to work with a REALTOR®.

1. Navigate a complicated process. Buying or selling a home usually requires disclosure forms, inspection reports, mortgage documents, insurance policies, deeds, and multipage settlement statements. A knowledgeable expert will help you prepare the best deal, and avoid delays or costly mistakes.

2. Information and opinions. REALTORS® can provide local community information on utilities, zoning, schools, and more. They’ll also be able to provide objective information about each property. A professional will be able to help you answer these two important questions: Will the property provide the environment I want for a home or investment? Second, will the property have resale value when I am ready to sell?

3. Help finding the best property out there. Sometimes the property you are seeking is available but not actively advertised in the market, and it will take some investigation by your REALTOR® to find all available properties.

4. Negotiating skills. There are many negotiating factors, including but not limited to price, financing, terms, date of possession, and inclusion or exclusion of repairs, furnishings, or equipment. In addition, the purchase agreement should provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase. Your agent can advise you as to which investigations and inspections are recommended or required.

5. Property marketing power. Real estate doesn’t sell due to advertising alone. In fact, a large share of real estate sales comes as the result of a practitioner’s contacts through previous clients, referrals, friends, and family. When a property is marketed with the help of a REALTOR®, you do not have to allow strangers into your home. Your REALTOR® will generally prescreen and accompany qualified prospects through your property.

6. Someone who speaks the language. If you don’t know a CMA from a PUD, you can understand why it’s important to work with a professional who is immersed in the industry and knows the real estate language.

7. Experience. Most people buy and sell only a few homes in a lifetime, usually with quite a few years in between each purchase. Even if you have done it before, laws and regulations change. REALTORS®, on the other hand, handle hundreds of real estate transactions over the course of their career. Having an expert on your side is critical.

8. Objective voice. A home often symbolizes family, rest, and security — it’s not just four walls and a roof. Because of this, homebuying and selling can be an emotional undertaking. And for most people, a home is the biggest purchase they’ll every make. Having a concerned, but objective, third party helps you stay focused on both the emotional and financial issues most important to you.

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/sellers/5-things-to-do-before-putting-your-home-on-the-market.html MzgtMTI5NTkxMDY0NA== Mon, 24 Jan 2011 16:10:44 -0700 Are you ready to list your Boise home for sale?  Here are five things to do before you put it on the market.

5 Things to do Before Putting Your Home on the Market

1. Have a pre-sale home inspection. Be proactive by arranging for a pre-sale home inspection. An inspector will be able to give you a good indication of the trouble areas that will stand out to potential buyers, and you’ll be able to make repairs before open houses begin.

2. Organize and clean. Pare down clutter and pack up your least-used items, such as large blenders and other kitchen tools, out-of-season clothes, toys, and exercise equipment. Store items off-site or in boxes neatly arranged in the garage or basement. Clean the windows, carpets, walls, lighting fixtures, and baseboards to make the house shine.

3. Get replacement estimates. Do you have big-ticket items that are worn our or will need to be replaced soon, such your roof or carpeting? Get estimates on how much it would cost to replace them, even if you don’t plan to do it yourself. The figures will help buyers determine if they can afford the home, and will be handy when negotiations begin.

4. Find your warranties. Gather up the warranties, guarantees, and user manuals for the furnace, washer and dryer, dishwasher, and any other items that will remain with the house.

5. Spruce up the curb appeal. Pretend you’re a buyer and stand outside of your home. As you approach the front door, what is your impression of the property? Do the lawn and bushes look neatly manicured? Is the address clearly visible? Are pretty flowers or plants framing the entrance? Is the walkway free from cracks and impediments?

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/sellers/12-questions-to-ask-when-choosing-your-realtor.html MzctMTI5NTkxMDYxMg== Mon, 24 Jan 2011 16:10:12 -0700 Are you ready to list your Boise home for sale?  Reference this information when choosing your Realtor.

12 Questions to Ask When Choosing Your REALTOR

Make sure you choose a REALTOR® who will provide top-notch service and meet your unique needs.

1. How long have you been in residential real estate sales? Is it your full-time job? While experience is no guarantee of skill, real estate — like many other professions — is mostly learned on the job.

2. What designations do you hold? Designations such as GRI and CRS®, which require that agents take additional, specialized real estate training, are held only by about one-quarter of real estate practitioners.

3. How many homes did you and your real estate brokerage sell last year? By asking this question, you’ll get a good idea of how much experience the practitioner has.

4. How many days did it take you to sell the average home? How did that compare to the overall market? The REALTOR® you interview should have these facts on hand, and be able to present market statistics from the local MLS to provide a comparison.

5. How close to the initial asking prices of the homes you sold were the final sale prices? This is one indication of how skilled the REALTOR® is at pricing homes and marketing to suitable buyers. Of course, other factors also may be at play, including an exceptionally hot or cool real estate market.

6. What types of specific marketing systems and approaches will you use to sell my home? You don’t want someone who’s going to put a For Sale sign in the yard and hope for the best. Look for someone who has aggressive and innovative approaches, and knows how to market your property competitively on the Internet. Buyers today want information fast, so it’s important that your REALTOR® is responsive.

7. Will you represent me exclusively, or will you represent both the buyer and the seller in the transaction? While it’s usually legal to represent both parties in a transaction, it’s important to understand where the practitioner’s obligations lie. Your REALTOR® should explain his or her agency relationship to you and describe the rights of each party.

8. Can you recommend service providers who can help me obtain a mortgage, make home repairs, and help with other things I need done? Because REALTORS® are immersed in the industry, they’re wonderful resources as you seek lenders, home improvement companies, and other home service providers. Practitioners should generally recommend more than one provider and let you know if they have any special relationship with or receive compensation from any of the providers.

9. What type of support and supervision does your brokerage office provide to you? Having resources such as in-house support staff, access to a real estate attorney, and assistance with technology can help an agent sell your home.

10. What’s your business philosophy? While there’s no right answer to this question, the response will help you assess what’s important to the agent and determine how closely the agent’s goals and business emphasis mesh with your own.

11. How will you keep me informed about the progress of my transaction? How frequently? Again, this is not a question with a correct answer, but how you judge the response will reflect your own desires. Do you want updates twice a week or do you prefer not to be bothered unless there’s a hot prospect? Do you prefer phone, e-mail, or a personal visit?

12. Could you please give me the names and phone numbers of your three most recent clients? Ask recent clients if they would work with this REALTOR® again. Find out whether they were pleased with the communication style, follow-up, and work ethic of the REALTOR®.

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

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]]> http://www.stewartrealtyllc.com/sellers/does-moving-up-make-sense.html MzYtMTI5NTkxMDU3MA== Mon, 24 Jan 2011 16:09:30 -0700 Does Moving Up Make Sense? ]]> http://www.stewartrealtyllc.com/sellers/checklist-17-service-providers-you-will-need-when-you-sell.html MzUtMTI5NTkxMDUzNw== Mon, 24 Jan 2011 16:08:57 -0700 Checklist to consider when you sell your Boise home.

Checklist: 17 Service Providers You'll Need When You Sell

• Real estate attorney
• Appraiser
• Home inspector
• Mortgage loan officer
• Environmental specialist
• Lead paint inspector
• Radon inspector
• Tax adviser Sanitary systems expert
• Occupancy permit inspector
• Zoning inspector
• Survey company
• Flood plain inspector
• Termite inspector
• Title compan
• Insurance consultant
• Moving company

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

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]]> http://www.stewartrealtyllc.com/sellers/forms-you-will-need-to-sell-your-home.html MzQtMTI5NTkxMDQ4Mg== Mon, 24 Jan 2011 16:08:02 -0700 When you sell your Boise home here are some forms you may need.

Forms You wi€™ll Need to Sell Your Home

1. Property disclosure form. This form requires you to reveal all known defects to your property. Check with your state government to see if there is a special form required in your state.

2. Purchasers access to premises agreement. This agreement sets conditions for permitting the buyer to enter your home for activities such as measuring for draperies before you move.

3. Sales contract. The agreement between you and the seller on terms and conditions of sale. Again, check with your state real estate department to see if there is a required form.

4. Sales contract contingency clauses. In addition to the contract, you may need to add one or more attachments to the contract to address special contingencies — such as the buyer’s need to sell a home before purchasing yours.

5. Pre- and post-occupancy agreements. Unless you’re planning on moving out and the buyer moving in on the day of closing, you’ll need an agreement on the terms and costs of occupancy once the sale closes.

6. Lead-based paint disclosure pamphlet. If your home was built before 1978, you must provide the pamphlet to all sellers. You must also have buyers sign a statement indicating they received the pamphlet.

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

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]]> http://www.stewartrealtyllc.com/sellers/open-house-safety-tips.html MzMtMTI5NTkxMDQzNg== Mon, 24 Jan 2011 16:07:16 -0700 Make sure to review these safety tips before an open house for your Boise home.

Open House Safety Tips

An open house can be a great sales tool, but it also exposes you to numerous unfamiliar people for the first time. Stay safe by practicing these guidelines.

• Call the local police department and ask them to have a squad care drive by during your open-house hours.
• Check your cell phone strength and signal prior to the open house. Have emergency numbers programmed on speed dial. Carry an extra, fully charged cell phone battery.
• Determine several €œescape€ routes that you can use in case of an emergency. Make sure all deadbolt locks are unlocked to facilitate a faster escape.
• Turn on the lights and open the curtains. These are not only sound safety procedures, but also great marketing tactics.
• Make sure that if you were to escape by the back door, you could escape from the backyard. Frequently, high fences surround yards that contain swimming pools or hot tubs.
• When prospective buyers begin to arrive, jot down their car descriptions, license numbers and physical descriptions.
• When showing the house, always walk behind the prospect. Direct them; do not lead them. Say, for example, The kitchen is on your left,€ and gesture for them to go ahead of you.
• Notify a friend or a relative that you will be calling in every hour on the hour. And if you don not call, they are to notify the police immediately.
• Inform a neighbor that you will be showing the house and ask if he or she would keep an eye and ear open for anything out of the ordinary.

Source: National Association of REALTORS® Safety Week kit

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

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]]> http://www.stewartrealtyllc.com/sellers/simple-tips-for-better-home-showings.html MzItMTI5NTkxMDQwMg== Mon, 24 Jan 2011 16:06:42 -0700 Prepare your Boise home for a fantastic showing by following these tips.

Simple Tips for Better Home Showings

1. Remove clutter and clear off counters. Throw out stacks of newspapers and magazines and stow away most of your small decorative items. Put excess furniture in storage, and remove out-of-season clothing items that are cramping closet space. Don’t forget to clean out the garage, too.

2. Wash your windows and screens. This will help get more light into the interior of the home.

3. Keep everything extra clean. A clean house will make a strong first impression and send a message to buyers that the home has been well-cared for. Wash fingerprints from light switch plates, mop and wax floors, and clean the stove and refrigerator. Polish your doorknobs and address numbers. It’s worth hiring a cleaning service if you can afford it.

4. Get rid of smells. Clean carpeting and drapes to eliminate cooking odors, smoke, and pet smells. Open the windows to air out the house. Potpourri or scented candles will help.

5. Brighten your rooms. Put higher wattage bulbs in light fixtures to brighten up rooms and basements. Replace any burned-out bulbs in closets. Clean the walls, or better yet, brush on a fresh coat of neutral color paint.

6. Don’t disregard minor repairs. Small problems such as sticky doors, torn screens, cracked caulking, or a dripping faucet may seem trivial, but they’ll give buyers the impression that the house isn’t well-maintained.

7. Tidy your yard. Cut the grass, rake the leaves, add new mulch, trim the bushes, edge the walkways, and clean the gutters. For added curb appeal, place a pot of bright flowers near the entryway.

8. Patch holes. Repair any holes in your driveway and reapply sealant, if applicable.

9. Add a touch of color in the living room. A colored afghan or throw on the couch will jazz up a dull room. Buy new accent pillows for the sofa.

10. Buy a flowering plant and put it near a window you pass by frequently.

11. Make centerpieces for your tables. Use brightly colored fruit or flowers.

12. Set the scene. Set the table with fancy dishes and candles, and create other vignettes throughout the home to help buyers picture living there. For example, in the basement you might display a chess game in progress.

13. Replace heavy curtains with sheer ones that let in more light. Show off the view if you have one.

14. Accentuate the fireplace. Lay fresh logs in the fireplace or put a basket of flowers there if it’s not in use.

15. Make the bathrooms feel luxurious. Put away those old towels and toothbrushes. When buyers enter your bathroom, they should feel pampered. Add a new shower curtain, new towels, and fancy guest soaps. Make sure your personal toiletry items are out of sight.

16. Send your pets to a neighbor or take them outside. If that’s not possible, crate them or confine them to one room (ideally in the basement), and let the real estate practitioner know where they’ll be to eliminate surprises.

17. Lock up valuables, jewelry, and money. While a real estate salesperson will be on site during the showing or open house, it’s impossible to watch everyone all the time.

18. Leave the home. It’s usually best if the sellers are not at home. It’s awkward for prospective buyers to look in your closets and express their opinions of your home with you there.

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

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]]> http://www.stewartrealtyllc.com/sellers/low-cost-ways-to-spruce-up-your-homes-exterior.html MzEtMTI5NTkxMDM2NQ== Mon, 24 Jan 2011 16:06:05 -0700 How to create better curb appeal for your Boise home that will reel in potential buyers.

Low-Cost Ways to Spruce Up Your Home’s Exterior

Make your home more appealing for yourself and potential buyers with these quick and easy tips:

1. Trim bushes so they don’t block windows or architectural details.

2. Mow your lawn, and turn on the sprinklers for 30 minutes before the showing to make the lawn sparkle.

3. Put a pot of bright flowers (or a small evergreen in winter) on your porch.

4. Install new doorknobs on your front door.

5. Repair any cracks in the driveway.

6. Edge the grass around walkways and trees.

7. Keep your garden tools and hoses out of sight.

8. Clear toys from the lawn.

9. Buy a new mailbox.

10. Upgrade your outside lighting.

11. Buy a new doormat for the outside of your front door.

12. Clean your windows, inside and outside.

13. Polish or replace your house numbers.

14. Place a seasonal wreath on your door.

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/sellers/12-tips-for-hiring-a-remodeling-contractor.html MzAtMTI5NTkxMDMxNA== Mon, 24 Jan 2011 16:05:14 -0700 Are you considering remodeling your Boise home? Here are some tips for hiring a contractor.

12 Tips for Hiring a Remodeling Contractor

1. Get at least three written estimates.

2. Check references. If possible, view earlier jobs the contractor completed.

3. Check with the local Chamber of Commerce or Better Business Bureau for complaints.

4. Be sure the contract states exactly what is to be done and how change orders will be handled.

5. Make as small of a down payment as possible so you won’t lose a lot if the contractor fails to complete the job.

6. Be sure that the contractor has the necessary permits, licenses, and insurance.

7. Check that the contract states when the work will be completed and what recourse you have if it isn’t. Also, remember that in many instances you can cancel a contract within three business days of signing it.

8. Ask if the contractor’s workers will do the entire job or whether subcontractors will be involved too.

9. Get the contractor to indemnify you if work does not meet any local building codes or regulations.

10. Be sure that the contract specifies the contractor will clean up after the job and be responsible for any damage.

11. Guarantee that the materials that will be used meet your specifications.

12. Don’t make the final payment until you’re satisfied with the work.

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/sellers/how-to-get-an-offer-on-your-home.html MjktMTI5NTkxMDI3Mw== Mon, 24 Jan 2011 16:04:33 -0700 How to get an offer on your Boise real estate.

How to Get an Offer on Your Home

1. Price it right. Set a price at the lower end of your property’s realistic price range.

2. Prepare for visitors. Get your house market ready at least two weeks before you begin showing it.

3. Be flexible about showings. It’s often disruptive to have a house ready to show at the spur of the moment. But the more amenable you can be about letting people see your home, the sooner you’ll find a buyer.

4. Anticipate the offers. Decide in advance what price and terms you’ll find acceptable.

5. Don’t refuse to drop the price. If your home has been on the market for more than 30 days without an offer, you should be prepared to at least consider lowering your asking price.

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

If you have questions about buying or selling Boise area real estate please complete the form, we will contact you immediately...

Name Phone Email Enter code

 

]]> http://www.stewartrealtyllc.com/sellers/moving-checklist-for-sellers.html MjgtMTI5NTkxMDIxOQ== Mon, 24 Jan 2011 16:03:39 -0700 Moving Checklist for Sellers

• Provide the post office with your forwarding address two to four weeks ahead of the move.
• Notify your credit card companies, magazine subscriptions, and bank of your change of address.
• Create a list of friends, relatives, and business colleagues who need to be notified about your move.
• Arrange to disconnect utilities and have them connected at your new home.
• Cancel the newspaper, or change the address so it will arrive at your new home.
• Check insurance coverage for the items you’re moving. Usually movers only cover what they pack.
• Clean out appliances and prepare them for moving, if applicable.
• Note the weight of the goods you’ll have moved, since long-distance moves are usually billed according to weight. Watch for movers that use excessive padding to add weight.
• Check with your condo or co-op about any restrictions on using the elevator or particular exits for moving.
• Have a “first open” box with the things you’ll need most, such as toilet paper, soap, trash bags, scissors,
  hammer, screwdriver, pencils and paper, cups and plates, water, snacks, and toothpaste.

Plus, if you’re moving out of town, be sure to:

• Get copies of medical and dental records and prescriptions for your family and your pets.
• Get copies of children’s school records for transfer.
• Ask friends for introductions to anyone they know in your new neighborhood.
• Consider special car needs for pets when traveling.
• Let a friend or relative know your route.
• Empty your safety deposit box.
• Put plants in boxes with holes for air circulation if you’re moving in cold weather.

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

]]> http://www.stewartrealtyllc.com/sellers/what-to-have-on-hand-for-the-new-owners.html MjctMTI5NTkxMDA4NA== Mon, 24 Jan 2011 16:01:24 -0700 Having the following items on hand for the new owners of your Boise area home will make the transition easier for them and for you. Use this article from from REALTOR® magazine as a quick checklist. 

What to Have on Hand for the New Owners

• Owner’s manuals and warranties for appliances left in the house.
• Garage door opener.
• Extra sets of house keys.
• A list of local service providers — the best dry cleaner, yard service, plumber, etc.
• Code to the security alarm and phone number of the monitoring service if not discontinued.
• As a courtesy, you could provide numbers to the local utility companies.
• If it’s a condo, leave information on how to contact the condo board.

Reprinted from REALTOR® magazine (REALTOR.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved

# # #

Whether you are searching for Homes in Boise, an Eagle Idaho Horse Property, Homes in Meridian Idaho or Land in Caldwell Idaho you have come to the right place. We specialize in representing buyers searching for Boise area real estate.

Our Boise MLS Search Engine coupled with our Local Demographic Data combine to provide you every listed property in the area along with concise economic, historical, climate and school information for each city in the valley.

We assist buyers in search of the rich, healthy and vibrant lifestyle that Boise is known for. Come and enjoy the low stress environment, low cost of living, excellent schools, low taxes, friendly people and boundless recreational activities Boise has to offer.

 

If you would like assistance please complete the form, we will contact you immediately.

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]]> http://www.stewartrealtyllc.com/about-stewart-realty-llc-of-idaho/link-directory.html MjYtMTI5NTQ3NDA5MA== Wed, 19 Jan 2011 14:54:50 -0700 Realtor Links (select a state)

Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Florida, Georgia, Hawaii, Iowa, Idaho, Massachussets, Maryland, Michigan, Minnesota, Missouri, Montana, North Carolina, Nebraska, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, Tennessee, South Carolina, Texas, Utah, Virginia, Washington

 

Mortgage Links

Mortgage Links, More Mortgage Links

 

To initiate this link exchange, please add a link on your website using the info below. After you have added the link and published it on the web, fill out your info and submit the following form:

Website URL	http://www.stewartrealtyllc.com
Website Title	Stewart Realty - Boise Idaho Real Estate
Description	Serving all of southwest Idaho including Boise, Meridian, Kuna, Nampa, Caldwell and Emmett.

Exchange Links

Place our link on your website, then submit the form below - we will then add your link to our directory.

Website URL*

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Website Title*

Website Description

URL of Our Link on Your Site*

Your Location / State*

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Fields marked with a * are required

 

]]> http://www.stewartrealtyllc.com/about-stewart-realty-llc-of-idaho/agent-referral.html MjUtMTI5NTQ3NDAxMg== Wed, 19 Jan 2011 14:53:32 -0700 All Licensed Realtors of any State of the United States or Province of Canada may submit Real Estate Client Referrals on this page.  All referrals are paid at a rate of 25% of gross commissions received and funds are dispersed to your broker within 5 days of closing.

Please submit the following information and you will be contacted with the necessary referral documents within 24 hours.

Referring Agent

Name*

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Phone*

Company

Last Name of Client

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Fields marked with a * are required

 

]]> http://www.stewartrealtyllc.com/about-stewart-realty-llc-of-idaho/testimonials.html MjQtMTI5NTQ3MzQ5Mg== Wed, 19 Jan 2011 14:44:52 -0700 Submit a Testimonial

After living 60+ years in Missouri we decided to move to Meridian, Idaho. It was a big decision and we had many question regarding neighborhoods, houses, subdivisions, builders, to name just a few. Jeff Stewart was very highly recommended to us and we were not disappointed. He answered all our questions and offered many helpful suggestions. He always responded promptly and never complained even though we asked to tour many, many homes on our visits to Meridian. The house we decided to buy was a foreclosure. This added extra questions and details to the closing process. Jeff handled it all efficiently and arranged for us to close on the property even though we were 1500+ miles away in Missouri. We love our home and do not plan to move for many years but if we do we will definitely call on Jeff to help us find our next home.

Posted By: Phil & Janie Magruder
Meridian - Idaho

]]> http://www.stewartrealtyllc.com/about-stewart-realty-llc-of-idaho/our-agents.html MjItMTI5NTQ3Mjc0OQ== Wed, 19 Jan 2011 14:32:29 -0700 Jeff Stewart Broker/Owner

SERVICE – INTEGRITY – RESULTS. Jeff Stewart’s promise to you is simple and straightforward: he’ll get the job done with professionalism and efficiency. Jeff is more than an experienced real estate agent; he’s the Broker and Owner of Stewart Realty, LLC. Of the many designations available to real estate professionals, Broker is the most meaningful as well as the most difficult to obtain. You can be confident that Jeff has the experience, knowledge and motivation necessary to manage your transaction the way you want it managed. He’ll give you the facts and he’ll negotiate fiercely on your behalf.

Jeff’s background in real estate is broad-based. In addition to his sales and brokering experience, Jeff has appraised over 300 properties in the valley. His skill and expertise in real estate property valuation in the Boise area as well as Kuna, Meridian, Nampa, Star, Middleton, Eagle is an invaluable resources for buyers and sellers. Jeff also maintains a detailed understanding of the mortgage programs available including those through Rural Development loans and Idaho Housing & Finance loans both an attractive benefit for first-time buyers.

To investors, Jeff brings expertise gained through the purchase and maintenance of his own income properties. He has also worked in Boise’s residential construction business and knows construction quality, which can guide buyers through what could otherwise be significant pitfalls. Lastly, Stewart Realty is one of few brokerages that is approved to bid on HUD Repo properties. Jeff Stewart is a true real estate professional, one who holds himself to the highest standards of ethics and service. Contact him directly with any questions you may have about Real Estate in the Boise Valley.

Contact Information

Direct: 208.602.1993
Toll-Free: 1.866.787.5445
Fax: 208.887.9111
Email: Jeff@StewartRealtyllc.com
Visit My Website: www.stewartrealtyllc.com

 

Cheri Taliaferro – Agent

Cheri’s broad background of career experience brings a breath of fresh air to the real estate world. Committed to ethics, efficiency, and enjoyment, she strives to take the stress out of each transaction for her buyers and sellers alike. A “bulldog” when it comes to negotiating, Cheri is known for her ability to get the best possible deals for her clients. And she does it all with a smile!

Before beginning her career as a Real Estate Professional, Cheri was a wildland firefighter for 11 years, 5 of those as a smokejumper in McCall, Idaho. She also spent 6 years working for the National Science Foundation as a Heavy Equipment Operator at the South Pole in Antarctica, where she met her husband. It takes a lot of grit and good attitude to be a woman in those two professions! She is tough, driven, and values integrity above all else. Her zest for life is contagious to all she meets.

Cheri cherishes the fact that her clients are clients and friends for life. She is truly and sincerely honored when her past clients refer her to friends and family. That trust is what she treasures the most. Give Cheri a call at 208-949-9368, and experience what it’s like to work with a true professional. Visit her website at  www.Nampa-RealEstate.com to search for properties in Nampa.

Contact Information

Direct:  208.602.1993
Cell:  208-949-9368
Toll-Free:  1.866.787.5445
Fax:  208-376-0520
Email:  taliaferrorealty@gmail.com
Visit My Website:  www.Nampa-RealEstate.com

]]> http://www.stewartrealtyllc.com/about-stewart-realty-llc-of-idaho/about-us.html MjEtMTI5NTQ3MjU4NQ== Wed, 19 Jan 2011 14:29:45 -0700 Jeff Stewart
Broker / Owner
208.602.1993
Jeff@StewartRealtyllc.com Nicole Smith
Office Manager
208.887.5445
Contact@StewartRealtyllc.com

 

Stewart Realty is located in the heart of Idaho's Treasure Valley in Meridian, Idaho 10 miles west of Boise. Broker Jeff Stewart has been in the Boise Idaho Real Estate business since 2002 and opened Stewart Realty in 2007. After working for two other local brokerages Jeff could see great need for a brokerage that was truly client service oriented and who had an excellent working knowledge of all the various technical dimensions of real estate. Jeff's training in real estate appraisal gives him excellent tools to serve his clients that most agents don't have.

Each member of the Stewart Realty team are professional consultants, respected and trusted as a key resource by clients & industry peers for their knowledge of Boise Area Real Estate. Each enjoys a reputation for personal service, accessibility and quick response to clients and all parties involved in each real estate transaction.

Each team member is selected first and foremost for their strong ethics, experience and unwavering commitment to the Realtor/Client relationship. Due to this diligent practice of real estate Stewart Realty has achieved significant business relationships and developed many long-lasting friendships with hundreds of satisfied clients as well as other local & national real estate professionals. Stewart Realty has also achieved the Idaho BBB Accredited Business for their commitment to high ethical standards.

Jeff offers full-time dedication to the real estate profession; a level of commitment that places client interests first; the ability to both listen and hear; a strong sense of accountability; up to the minute knowledge of the local market, contributing factors and current trends; fair and professional treatment of all parties in a transaction; skilled internet communications; superior negotiation skills; flexibility and an intelligent, creative approach to negotiation conflicts. Since 2002 Jeff has appraised or sold more than 450 properties in the Boise Idaho real estate market. As an owner of rental income property he can also show you how to buy right and make good income in the Treasure Valley Rental Property business with net returns of up to 20%.

Jeff grew up in the Boise area and left in 1981 to start a career in Composite Aerospace Manufacturing. He worked in Nevada, Utah, Kansas, California and Washington during the 80's and 90's and resided in the Seattle area for about 15 years. In 2002, Jeff and his wife Janet decided to move their family back to Boise, Idaho for the great quality of life to be found here. Jeff and Janet have 5 children, Lorin, Ashley, Sally, Emma and Claire.

Thanks for visiting us at StewartRealtyllc.com! You will find that our website is geared to give you exceptional information & service. If you have comments or suggestions regarding our website or service, please e-mail them to me at jeff@StewartRealtyLLC.com.

Best regards,

Jeff Stewart

]]> http://www.stewartrealtyllc.com/real-estate-resource-center/local-news.html MjAtMTI5NTQ3MjQ4MA== Wed, 19 Jan 2011 14:28:00 -0700  

Television

NBC KTVB Channel 7 Boise – www.ktvb.com
ABC KIVI Channel 6 Boise – www.kivitv.com
Fox Channel 12 Boise – www.ktrv.com
CBS KBCI Channel 2 Boise – www.2news.tv

 

Newspapers

Idaho Statesman – www.idahostatesman.com
Idaho Press Tribune – www.idahopress.com
All Idaho Newspapers – www.50states.com/news/idaho.htm
Idaho Business Review – www.idahobusiness.net

 

News Radio

AM580 KIDO – www.580kido.com
AM670 KBOI – www.670kboi.com

]]> http://www.stewartrealtyllc.com/real-estate-resource-center/local-events.html MTktMTI5NTQ3MjM4Ng== Wed, 19 Jan 2011 14:26:26 -0700 Concerts and Event Centers

IdahoTickets.com
www.idahotickets.com

Alive After Five
Summer Concert Series
Wednesdays in the Summer, 5 to 8pm
Phone: 208-472-5251
www.downtownboise.org

Idaho Center
16200 North Idaho Center Blvd., Nampa ID
Phone: 208-468-1000
www.idahocenter.com

Morrison Center
2201 Cesar Chavez Ln., Boise ID
Phone: 208-426-1609
http://mc.boisestate.edu/

Nampa Civic Center
311 3rd St. S., Nampa ID
Phone: 208-468-5500
www.nampaciviccenter.com

Qwest Arena
233 S. Capitol Blvd., Boise ID
Phone: 208-424-2200
www.qwestarenaidaho.com

Taco Bell Arena
1910 University Dr., Boise ID
Phone: 208-426-1900
www.tacobellarena.com

Education Centers

Hispanic Cultural Center of Idaho
315 Stampede Dr., Nampa ID
Phone: 208-442-0823
www.hispanicculturalcenter.org

Idaho Human Rights Education Center
801 S. Capitol Blvd., Ste. 102, Boise ID
Phone: 208-345-0304
www.idaho-humanrights.org

Log Cabin Literacy Center
801 S. Capitol Blvd., Boise ID
Phone: 208-331-8000
www.thecabinidaho.org

Golf Courses

BanBury Golf Club
2626 N. Marypost Pl., Eagle ID
Phone: 208-939-3600
www.banburygolf.com

Boise Ranch Golf Course
6501 S. Cloverdale, Boise ID
Phone: 208-362-6501
www.boiseranchgc.com

Broadmore Country Club (Private)
103 Shannon Dr., Nampa ID
Phone: 208-466-1114
www.golflink.com

Crane Creek Country Club (Private)
500 W. Curling Dr., Boise ID
Phone: 208-344-9313
www.cranecreekcountryclub.com

Desert Canyon Golf Course
1880 E. 8th N., Mountain Home ID
Phone: 208-587-3293
www.mountain-home.us

Eagle Hills Golf Club
605 N. Edgewood Ln., Eagle ID
Phone: 208-939-0402
www.eaglehillsgolfcourse.com

Emmett City Golf Course
2102 Sales Yard Rd., Emmett ID
Phone: 208-365-2675

Fairview Golf Course
816 Grant St., Caldwell ID
Phone: 208-455-3090
www.golflink.com

Falcon Crest Golf Course
11102 S. Cloverdale Rd., Kuna ID
Phone: 208-362-8897
www.falconcrestgolf.com

Foxtail Golf Course
990 W. Chinden, Meridian ID
Phone: 208-887-4653
www.golffoxtail.com

Hillcrest Country Club (Private)
4610 Hillcrest Dr., Boise ID
Phone: 208-343-5425
www.hillcrest.cc

Indian Lakes Golf Course
4700 S. Umatilla, Boise ID
Phone: 208-362-5771
www.indianlakesgolf.com

Jug Mountain Ranch
McCall ID
Phone: 208-634-5072
www.jugmountainranch.com

Lakeview Golf Club
4200 Talamore, Meridian ID
Phone: 208-888-4080
www.golflakeviewgc.com

McCall Golf Club
McCall ID
Phone: 208-634-7200
www.mccallgolfclub.com

Pierce Park Greens
5812 N. Pierce Park Ln., Boise ID
Phone: 208-853-3302
www.pierceparkgreens.com

Plantation Country Club (Private)
6515 W. State, Boise ID
Phone: 208-853-4440
www.plantation.americangolf.com

Purple Sage Golf Course
15192 Purple Sage Rd., Caldwell ID
Phone: 208-459-2223
www.purplesagegolfcourse.com

Quail Hollow Golf Course
4520 N. 36th St., Boise ID
Phone: 208-344-7807
www.quailhollowgolfclub.com

Ridgecrest Golf Course
3730 Ridgecrest Dr., Nampa ID
Phone: 208-468-9073
www.ridgecrestgolf.com

River Bend Golf Course
18981 Fish Rd., Wilder ID
Phone: 208-482-7169
www.golflink.com

Scotch Pines Golf Course
10610 Scotch Pines Rd., Payette ID
Phone: 208-642-1829
www.scotchpinesgolf.com

Shadow Valley Golf Course
15711 Hwy. 55, Boise ID
Phone: 208-939-6699
www.shadowvalley.com

Silver Sage Golf Course
775 Pine St., Mountain Home ID
Phone: 208-828-6151
www.golflink.com

Spurwing Golf Course (Private)
6800 N. Spurwing Wy., Meridian ID
Phone: 208-887-1800
www.spurwing.com

Warm Springs Golf Course
2495 Warm Springs Ave., Boise ID
Phone: 208-343-5661
www.cityofboise.org

Weiser Rolling Hills Golf Course
50 W. Indianhead Rd., Weiser ID
Phone: 208-549-0456
www.golflink.com

Whitetail Golf Course (Private)
501 W. Lake St., McCall ID
Phone: 208-634-2244
www.whitetailclub.com

Kids & Family

Arts for Kids
November through May
Phone: 208-433-5675
www.cityofboise.org

Boise Tour Train
Boise Tour Train Depot in
Julia Davis Park, 602 Julia Davis Dr.
May through September
P.O. Box 9165, Boise ID
Phone: 208-433-0849 or 208-342-4796
www.boisetrolleytours.com

Boise Watershed Education Center
11818 W. Joplin Rd., Boise ID
Phone: 208-384-3901
www.boiseenvironmentaleducation.com

Ceramica
510 W. Main St., Boise ID
Phone: 208-342-3822
www.ceramicaboise.com

Discovery Center of Idaho
131 Myrtle St., Boise ID
Phone: 208-343-9895
www.scidaho.org

Givens Hot Springs
11 miles south of Marsing on Hwy 78
Phone: 208-495-2000
www.givenshotsprings.com

Idaho Ice World
7072 S. Eisenman Rd., Boise ID
Phone: 208-331-0044
www.idahoiceworld.com

Pojos Family Fun Center
7736 W. Fairview Ave., Boise ID
Phone: 208-376-6009
www.pojos.com

Rafiki
6202 W. State St., Boise ID
Phone: 208-853-2626
www.rafikiplay.com

Roaring Springs Water Park
May through September
400 W. Overland Rd., Meridian ID
Phone: 208-884-8842
Toll-free: 877-420-7529
www.roaringsprings.com

The Little Gym
Boise
Phone: 208-424-0486
www.tlgboiseid.com
Eagle/Meridian
Phone: 208-938-6185
www.tlgeaglemeridianid.com

Tumble Time Gymnastics
1379 Cloverdale Rd., Boise
Phone: 208-375-0063
www.tumbletimegymnastics.com

Wahooz Family Fun Zone
Located nest to Roaring Springs Water Park
S. Blue Marlin Ln., Meridian ID
Phone: 208-898-0900
www.wahoozfunzone.com

Wings Center
1875 Century Way, Boise ID
Phone: 208-376-3641
www.wingscenter.com

YMCA
Caldwell Family YMCA
3720 S. Indiana Ave., Caldwell ID
Phone: 208-454-9622
Downtown Family YMCA
1050 W. State St., Boise ID
Phone: 208-344-5501
West Family YMCA
5959 N. Discovery Place, Boise ID
Phone: 208-377-9622
http://ymcaboise.org

Young Chefs Academy
3210 E. Chinden Blvd., Ste. 128, Eagle ID
Phone: 208-939-2550
www.youngchefsacademy.com

Libraries

Ada Community Library
10664 W. Victory Rd., Boise ID
Phone: 208-362-0181
Star Branch Library
10706 W State St., Star ID
Phone: 208-286-9755
www.adalib.org

Boise Public Library
715 S. Capitol Blvd., Boise ID
Phone: 208-384-4076
Town Square Branch
350 N. Milwaukee
Phone: 208-384-4238
www.boisepubliclibrary.org

Caldwell Public Library
1010 Dearborn, Caldwell ID
Phone: 208-459-3242
www.caldwell.lili.org

Eagle Public Library
100 N. Stierman Way, Eagle ID
Phone: 208-939-6814
www.eaglepubliclibrary.org

Emmett Public Library
275 Hays St., Emmett ID
Phone: 208-365-6057
http://emmett.lili.org

Garden City Library
6015 Glenwood, Garden City ID
Phone: 208-472-2940
http://gardencity.lili.org

Kuna Public Library
457 Locust, Kuna ID
Phone: 208-922-1025
www.kunalibrary.org

Meridian Library District
Main Branch
1326 W. Cherry Ln., Meridian ID
Phone: 208-888-4451
Silverstone Branch
3531 E. Overland Rd., Meridian ID
Phone: 208-884-2616
www.mld.org

Middleton Public Library
307 E. Main, Middleton ID
Phone: 208-585-3931
http://middleton.lili.org

Mountain Home Public Library
790 North 10th East, Mountain Home ID
Phone: 208-587-4716
http://www.mhlibrary.org

Nampa Public Library
101 – 11th Ave South, Nampa ID
Phone: 208-468-5805
www.nampalibrary.org

Local Fairs and Festivals

Christmas in the City
Phone: 208-472-5251
www.downtownboise.org

Downtown Nampa Nights
Thursdays 5:30 to 8pm
1st St. S. and 12th Ave. S., Nampa ID
www.downtownnampa.com

Eagle Arts Faire
Early July
Heritage Park
185 E. State St., Eagle ID
www.eaglearts.org

Eagle Fun Days
Early June
www.eaglechamber.com

First Thursday
First Thursday of every month, 5 to9pm
Phone: 208-472-5251
www.downtownboise.org

Gem/Boise County Fair & Rodeo
Phone: 208-365-6828

Great Garden Escape Concert Series
Thursdays 6:30 to 9:30pm
Idaho Botanical Garden
2355 N. Penitentiary Rd., Boise ID
www.idahobotanicalgarden.org

Idaho Green Expo
Mid July
850 W. Front St., Boise ID
www.idahogreenexpo.org

McCall Winter Carnival
Late January through Early February
McCall ID
www.mccallwintercarnival.com

Meridian Dairy Days
Third full weekend of June
www.meridianchamber.org

Payette County Fair & Rodeo
Early August
310 E. Blvd., New Plymouth ID
www.payettecountyfair.org

Western Idaho Fair
August
Phone: 208-376-3247
www.idahofair.com

Markets

Capital City Public Market
April through December
Phone: 208-345-9287
www.capitalcitypublicmarket.com

Hyde Park Street Fair
Phone: 208-884-7780
www.northend.org

Meridian Farmers Market and Bazaar
May through September
Phone: 208-376-2610
www.meridianfarmersmarket.com

Nampa Farmers Market
April through October
www.nampafarmersmarket.com

Movies

Country Club Reel Theatre
4550 Overland Rd., Boise ID
Phone: 208-377-2620
www.google.com

Edwards Boise Downtown Stadium 9
760 Broad St., Boise ID
Phone: 208-338-3821
www.google.com

Edwards Nampa Stadium 14
2001 North Cassia St., Nampa ID
Phone: 208-467-3312
www.google.com

Edwards Theatre & IMAX
7709 Overland Rd., Boise ID
Phone: 208-377-9603
www.google.com

Egyptian Theater
746 W. Main St., Boise ID
Phone: 208-345-0454
www.egyptiantheatre.net

Idaho International Film Festival
Late September
Phone: 208-331-0909
www.idahofilmfestival.com

Majestic Cinemas
2140 E. Cinema Dr., Meridian ID
Phone: 208-888-2228
www.google.com

Nampa Reel Theatre
2104 Caldwell Blvd., Nampa ID
Phone: 208-377-2620
www.google.com

Northern Lights Cinema Grill
1509 Caldwell Blvd., Nampa ID
Phone: 208-475-2999 Ext.1
www.google.com

Northgate Reel Theatre
6950 West State St., Boise ID
Phone: 208-377-2620
www.google.com

Overland Park Cinemas
7051 Overland Rd., Boise ID
Phone: 208-377-3072
www.google.com

The Flicks
646 Fulton St., Boise ID
Phone: 208-342-4222
www.theflicksboise.com

Museums

Basque Museum and Cultural Center
611 Grove St., Boise ID
Phone: 208-343-2671
www.basquemuseum.com

Boise Art Museum
670 Julia Davis Dr., Boise ID
Phone: 208-345-8330
www.boiseartmuseum.org

Boise Public Art and History Tours
www.cityofboise.org/citygovernment/artsandhistory

Boise Train Depot
2603 W. Eastover Terrace, Boise ID
www.cityofboise.org

Idaho Black History Museum
508 Julia Davis Dr., Boise ID
Phone: 208-433-0017
www.ibhm.org

Idaho Museum of Military History
4748 Lindbergh St., Bldg. 924, Boise ID
Phone: 208-422-4841
http://museum.mil.idaho.gov

Idaho Museum of Mining & Geology
2455 Old Penitentiary Rd., Boise ID
Phone: 208-368-9876
http://idahomuseum.org

Idaho State Capitol
700 W. Jefferson St., Boise ID
Phone: 208-334-5174
www.capitolcommission.idaho.gov

Idaho State Historical Museum
610 N. Julia Davis Dr., Boise ID
Phone: 208-334-2120
www.idahohistory.net

Nampa’s Train Depot Museum
Phone: 208-467-7611
http://cchsociety1002.qwestoffice.net

Old Idaho Penitentiary
2445 Old Penitentiary Rd., Boise ID
Phone: 208-368-6080
www.idahohistory.net

Warhawk Air Museum
201 Municipal Dr., Nampa ID
Phone: 208-465-6446
www.warhawkairmuseum.org

Music

Boise Baroque Orchestra
October through April
Phone: 208-345-3612
www.boisebaroque.com

Boise Master Chorale
November through March
P.O. Box 2244, Boise ID
Phone: 208-344-7901
www.boisemasterchorale.org

Boise Music Week
Spring
www.boisemusicweek.org

Boise Philharmonic Orchestra
September through May
516 S. 9th St., Boise ID
Phone: 208-344-7849
Toll-free: 888-300-7849
www.boisephilharmonic.org

Boise State University
Department of Music
1910 University Dr., Boise ID
Phone: 208-426-1596
www.boisestate.edu/music

Darkwood Consort
P.O. Box 1362, Boise ID
Phone: 208-331-3309
www.darkwoodconsort.com

Gene Harris Jazz Festival
Late April
Phone: 208-426-JAZZ
www.geneharris.org

Meridian Symphony Orchestra
P.O. Box 1016, Meridian ID
Phone: 208-891-2721
www.meridiansymphony.org

Music Theatre of Idaho
203 9th Ave S., Nampa ID
Phone: 208-468-2385
www.mtionline.org

National Old-time Fiddlers’ Contest
Late June
Toll-free: 800-437-1280
www.fiddlecontest.com

Opera Idaho
513 S. 8th St., Boise ID
Phone: 208-345-3531
www.operaidaho.org

Nature

Deerflat National Wildlife Refuge Center
13751 Upper Embankment Rd., Nampa ID
Phone: 208-467-9278
www.fws.gov/deerflat

Idaho Botanical Garden
2355 N. Penitentiary Rd., Boise ID
Phone: 208-343-8649
www.idahobotanicalgarden.org

Morrison-Knudsen (MK) Nature Center
600 S. Walnut, Boise ID
Phone: 208-334-2225
http://fishandgame.idaho.gov

World Center for Birds of Prey
5668 West Flying Hawk Ln., Boise ID
Phone: 208-362-3716
www.peregrinefund.org

Zoo Boise
355 Julia Davis Dr., Boise ID
Phone: 208-384-4260
www.zooboise.org

Parks

Boise River Greenbelt
Boise Parks & Recreation Department
1104 Royal Blvd., Boise ID
Phone: 208-384-4240
www.cityofboise.org/parks

Idaho Anne Frank Human Rights Memorial
770 S. 8th St., Boise ID
www.cityofboise.org

Idaho Department of Parks and Recreation
P.O. Box 83720, Boise ID
Phone: 208-334-4199
www.idahoparks.org

Public Recreation Facilities
Tennis Courts
Phone: 208-384-4240
www.cityofboise.org/parks
Swimming Pools
Phone: 208-384-4256
www.cityofboise.org

Recreation – Summer

Blue Cruise of Idaho
3000 E. Pine Ave., Meridian ID
Phone: 208-331-7317
www.bluecruiseidaho.com

Floating the Boise River
www.cityofboise.org/boiseriver

City of Trees Marathon
Early October
Phone: 208-888-2122
www.cityoftreesmarathon.com

Lucky Peak Reservoir
www.parksandrecreation.idaho.gov

Race to Robie Creek
Mid April
www.robiecreek.com

St. Luke’s Women’s Fitness Celebration
September
Phone: 208-381-2221
www.celebrateall.org

Wells Fargo Twilight Criterium
Bike Race
July
Phone: 208-393-2256
www.boisetwilightcriterium.com

Recreation – Winter

Bogus Basin Mountain Recreation Area
Phone: 208-332-5100
Toll-free: 800-367-4397
www.bogusbasin.org

Brundage Mountain Ski Resort
Phone: 208-634-4151
www.brundage.com

Idaho Snow Riders
Presidents Day Weekend
Phone: 208-653-2410

Soldier Mountain Ski Resort
Phone: 208-764-2526
www.soldiermountain.com

Sun Valley Ski Resort
Phone: 208-622-2001
www.sunvalley.com

Tamarack Ski Resort
Toll-free: 877-TAM-RESORT
www.tamarackidaho.com

Winter Games of Idaho
January through February
Phone: 208-342-2722
http://wintergamesofidaho.com

Seniors

Idaho Senior Games
August
Phone: 208-322-7033
www.idahoseniorgames.org

Idaho Senior Living Council
www.idslc.org

Senior Pro Rodeo
Phone: 208-365-3485

Senior Resources
www.boisepubliclibrary.org

Senior Solutions, Inc.
Solutions for Independent Living
3010 West State St., Suite 120, Boise ID
Phone: 208-345-7777
E-mail: seniorpr@mindspring.com
http://www.seniorsolutions.bz/

Sports

Albertson’s Boise Open
Phone: 208-336-3029
www.boiseopen.pgatour.com

Boise Burn Arena Football
Phone: 208-383-0080
www.boiseburn.com

Boise Hawks Baseball
June through September
Phone: 208-322-5000
www.boisehawks.com

Boise State University
Phone: 208-426-1289
www.broncosports.com

Caldwell Night Rodeo
August
Phone: 208-459-7493
www.caldwellnightrodeo.com

Firebird Raceway
Phone: 208-938-8986
www.firebirdonline.com

Idaho Stampede Basketball
November through April
Phone: 208-388-4667
www.nba.com/dleague/idaho

Idaho Steelheads Hockey
October through April
Phone: 208-383-0080
www.idahosteelheads.com

Les Boise Park
Phone: 208-376-7223

Meridian Speedway
335 S. Main St., Meridian ID
Phone: 208-888-2813
www.meridianspeedwayonline.com

Snake River Stampede
July
Phone: 208-466-8497
www.snakeriverstampede.com

World Sports Humanitarian Hall of Fame
1910 University Dr., Boise ID
P.O. Box 9324, Boise ID
Phone: 208-343-7224
www.sportshumanitarian.com

Theater & Arts

Art in the Park
Early September
Phone: 208-345-8330
www.boiseartmuseum.org

Ballet Idaho
October through May
501 S. 8th St., Ste. A, Boise ID
Phone: 208-343-0556
www.balletidaho.org

Boise Contemporary Theater
October through May
P.O. Box 1981, Boise ID
Phone: 208-331-9224
www.bctheater.org

Boise Little Theater
September through May
100 E. Fort St., Boise ID
Phone: 208-342-5104
www.boiselittletheater.org

Boise State University
Department of Theatre Arts
1910 University Dr., Boise ID
http://theatre.boisestate.edu

City Arts Celebration
Phone: 208-433-5670
www.cityofboise.org

Idaho Dance Theatre
November through April
405 S. 8th St., Ste. 363, Boise ID
Phone: 208-331-9592
http://idahodancetheatre.org

Idaho Shakespeare Festival
June through September
P.O. Box 9365, Boise ID
Phone: 208-429-9908
www.idahoshakespeare.org

Knock’em Dead Dinner Theater
October through June
333 S. 9th St., Boise ID
Phone: 208-385-0021
www.kedproductions.org

Morrison Center
2201 Campus Ln., Boise ID
Phone: 208-426-1609
http://mc.boisestate.edu

Starlight Mountain Theatre
Garden Valley ID
Phone: 208-342-2187
www.starlightmountaintheatre.com

Vineyards and Wineries

Bitner Vineyards
16645 Plum Rd., Caldwell ID
Phone: 208-899-7648
www.bitnervineyards.com

Cinder 107 E. 44th St., Garden City ID
Phone: 208-433-9813
www.cinderwines.com

Davis Creek Cellars
429 Main St., Ste. 101, Marsing ID
Phone: 208-794-2848
www.daviscreekcellars.com

Fraser Vineyard
1004 La Pointe St., Boise ID
Phone: 208-345-9607
www.fraservineyard.com

Hells Canyon Winery
18835 Symms Rd., Caldwell ID
Phone: 208-454-3300
www.hellscanyonwinery.org

Indian Creek Winery
1000 N. McDermott Rd., Kuna ID
Phone: 208-922-4791
www.indiancreekwinery.com

Koenig Vineyards
20928 Grape Ln., Caldwell ID
Phone: 208-455-8386
www.koenigvineyards.com

Miceli Vineyards & Winery
8114 Owyhee View Ln., Givens Hot Springs ID
Phone: 208-896-5803
www.micelivineyards.com

Parma Ridge Vineyards
24509 Rudd Rd., Parma ID
Phone: 208-722-6885
www.parmaridge.com

River Heights Vineyard
795 River Heights Dr., Meridian ID
Phone: 208-846-8700

Sawtooth Winery
13650 Surrey Ln., Nampa ID
Phone: 208-467-1200
www.sawtoothwinery.com

Silver Trail Winery
1299 N. School St., Kuna ID
Phone: 208-922-9558
www.silvertrailwinery.com

Snake River Winery
786 W. Broad St., Boise ID
Phone: 208-345-9463
www.snakeriverwinery.com

Ste. Chapelle Winery
19348 Lowell Rd., Caldwell ID
Phone: 208-453-7843
Toll-free: 877-783-2427
www.stechapelle.com

Syringa Winery
107 E 44th St., Garden City ID
Phone: 208-440-1616
www.syringawinery.com

Vale Wine Company
107 E 44th St., Garden City ID
Phone: 208-409-8950
www.valewine.com

Williamson Orchards & Vineyards
19692 Williamson Ln., Caldwell ID
Phone: 208-459-7333
www.willorch.com

Woodriver Cellars
3705 Hwy. 16, Eagle ID
Phone: 208-286-9463
www.woodrivercellars.com

3 Horse Ranch Vineyards
5900 Pearl Rd., Eagle ID
Phone: 208-867-9721
www.3horseranchvineyards.com

Around Idaho

Bruneau Sand Dunes State Park
www.parksandrecreation.idaho.gov

Idaho City
www.idahocitychamber.com

Oregon Trail
www.nps.gov/oreg
www.octa-trails.org

Ride Idaho
7 Day Bike Ride
Early August
Phone: 208-345-1960
www.rideidaho.org

]]> http://www.stewartrealtyllc.com/real-estate-resource-center/local-affiliates.html MTgtMTI5NTQ3MjI0Mg== Wed, 19 Jan 2011 14:24:02 -0700 Moving to the Boise, Idaho Area?  We know how difficult moving can be and then finding all those trusted people to assist with the things you need to get re-established.  Below are trusted people that provide a number of different services related to Relocating or Real Estate in the Boise Area.  If you have any feedback from using any of our Local Affiliates we would love to hear from you.  If you are looking for a reliable lender please go to the Buyers Page and click on "Preferred Lenders".

Aerial Photography

High Pictography
Jill Slade
Phone: 208-345-2550
www.HighPictography.com

Accountants

EideBailly – CPAs & Business Advisors
Kristi Halford - CPA
877 W. Main St., Ste. 805
Boise ID 83702
Phone: 208-383-4708
Fax: 208-344-7435
E-mail: khalford@eidebailly.com
www.eidebailly.com

Appraisals

Allen Appraisal Services
Jeff Allen
Phone: 208-724-0400
Fax: 208-939-4490
E-mail: jeff983@cableone.net

Perry Appraisals
Jared Perry
2699 W. Ebbtide St.
Meridian ID 83642
Phone: 208-866-1801
Fax: 208-288-1991
E-mail: jared@perryappraisals.net
www.perryappraisals.net

Attorney

David L. Whitney
110 N. 9th Ave.
P.O. Box 26
Caldwell ID 83606
Phone: 208-459-3659
Fax: 208-459-6147

Taylor Land Planning
Mary Shaw Taylor
509 S. Middleton Rd. #105
Middleton ID 83644
Phone: 208-585-3819
Fax: 208-585-5881
E-mail: mshawtaylor@taylorlandplanning.com

Banking/Lending

Northwest – Farm Credit Services
Rod Endow - Manager/VP Community Lending Group
16034 Equine Dr.
Nampa ID 83687
Phone: 208-468-1628
Toll-free: 800-819-3312
Cell: 208-867-3365
Fax: 208-468-1606
E-mail: rod.endow@farm-credit.com
www.farm-credit.com

Syringa Bank
Lou Ratto - Vice President – Branch Manager
1299 N. Orchard St.
Boise ID 83706
Phone: 208-322-6363
Cell: 208-859-0279
Fax: 208-322-0980
E-mail: lratto@syringabank.com

Syringa Bank
Dee Carter - Vice President – Real Estate Lending Manager
1299 N. Orchard St.
Boise ID 83706
Phone: 208-947-9637
Cell: 208-412-3587
Fax: 208-658-0887
E-mail: dcarter@syringabank.com

Hopkins Financial Services, Inc.
910 E. Carol St.
Meridian, ID  83642
Phone: 208-467-5467
www.hopkinsfinancial.com 

Carpet

A ABC Clean Way
Carpet & Upholstery Cleaning
Nampa ID 83653
Phone: 208-377-3012 or 208-463-9377

Joe’s Carpet Service
Carpet Laying, stretching & Repair
Joe Lopp - Manager
Phone: 208-377-8117
Cell: 208-284-8518

Construction

Borup Construction
2250 N. Meridian Rd.
Meridian ID 83642
Phone: 208-884-1092
Fax: 208-884-1094
www.borupconstruction.com

Dentists/Orthodontics

Caldwell Orthodontic
Dr. Neal Webster, D.D.S.
3611 S. 10th
Caldwell, ID  83605
Phone:  208-459-3666
www.caldwellorthodontics.com

Design & Planning

Place! Inc.
Evelyn Grime
1611 W. Warren Street
Boise, ID 83706
Phone: 208-412-2600
evelyn@design4place.com
www.design4place.com

Financial Planning

Dillon Financial Planning
Debra Dillon
1159 E. Iron Eagle Dr., Ste. 170-C
Eagle ID 83616
Phone: 208-336-7503
E-mail: info@DillonFinancialPlanning.com
www.DillonFinancialPlanning.com

Furniture

Brandon Scheaffer
3301 E. Lanark
Meridian ID 83642
Phone: 208-288-4100
Cell: 208-855-2073
E-Mail: cornflakeburgler@gmail.com
www.rcwilley.com

Handyman/Home Repair

Jobs by Robb
Robb Hackworth
Phone: 208-989-4527
E-mail: reh1470@msn.com

Home Inspections

Anthem Inspections, LLC
David Reish
3013 Maywood Ave.
Boise ID 83704
Phone: 208-941-5760
Fax: 208-717-0974
E-mail: dave@antheminspections.com
www.antheminspections.com

Building Specs, LLC
Inspection Systems
Matt Dawes
Phone: 208-323-4900
Toll-free: 866-323-4900
Fax: 208-323-4903
E-mail: info@buildingspecs.us
www.buildingspecs.us

A Notch Above Home Inspection
30 Years Experience
Jim Enzler, Certified Home Inspector
Phone: 208-283-1115
E-mail: jenzler@cableone.net

Randy Funk
Residential & Commerical Inspections
Phone: 208-914-5793

Hotels & RV Resorts

Ambassador RV Resort
615 S. Smeed Parkway
Caldwell, ID  83605
Phone:  208-454-8584
www.grapevine7.com

Best Western Plus Rama Inn
1019 S. Progress Ave.
Meridian, ID  83642
Phone:  208-887-7888
www.bestwesternmeridian.com

Best Western Plus Vista Inn at the Airport
2645 Airport Way
Boise, ID  83705
Phone:  208-336-8100
www.bestwestern.com/vistainnattheairport

Best Western Airport Inn
2660 Airport Way
Boise, ID  83705
Phone:  208-384-5000
www.bestwestern.com/prop-13040

Boise-Meridian KOA RV Resort
184 W. Pennwood St.
Meridian, ID  83642
Phone:  208-888-7003
www.koa.com

Candlewood Suites
700 N. Cole Rd.
Boise, ID  83704
Phone:  208-322-4300
boisecwsom@sonmar.com

Comfort Inn
2526 Airport Way
Boise, ID  83705
Phone:  208-336-0077
www.choicehotels.com

Country Inn & Suites
3355 E. Pine Ave.
Meridian, ID  83642
Phone:  208-639-3300
www.countryinns.com/meridianid

Comfort Suites
2906 Vista Ave.
Boise, ID 83705
Phone:  208-472-1222
www.lodgingboise.com

Harrison Plaza Suite Hotel
409 S. Cole Rd.
Boise, ID  83709
Phone:  208-375-7666
www.harrisonhotelboise.com

Hilton Garden Inn
145 E. Riverside Dr.
Eagle, ID  83616
Phone:  208-938-9600
www.hiltongardeninn.com

Hi Valley RV Park
10555 Horseshoe Bend Rd.
Boise, ID  83714
Phone:  208-939-8080
www.hivalley@grapevine7.com

Holiday Inn Express & Suites
4104 E. Flamingo Ave.
Nampa, ID  83687
Phone:  208-466-4045
www.hiexpress.com/nampaid

Inn America
2275 Airport Way
Boise, ID 83705
Phone:  208-389-9800
www.boise@innamerica.com

Motel 6
1047 S. Progress Ave.
Meridian, ID  83642
Phone:  208-888-1212
www.motel6meridian.com

Motel 6
2323 Airport Way
Boise, ID  83705
Phone:  208-344-3506
www.motel6.com

Marriott Springhill Suites
6325 N. Cloverdale Rd.
Boise, ID  83713
Phone:  208-914-2021
www.marriott.com/boish.com

Marriott Fairfield Inn & Suites
16150 N. Midland Blvd.
Nampa, ID  83687
Phone:  208-467-5888
www.fairfieldinn.com/boinp

Mr. Sandman Inn & Suites
1575 S. Meridian Rd.
Meridian, ID  83642
Phone:  208-887-2062
www.mrsandmaninn.com

Oxford Suites
1426 S. Entertainment Ave.
Boise, ID  83709
Phone:  208-322-8000
www.oxfordsuites.com

Rodeway Inn
130 Shannon Dr.
Nampa, ID  83687
Phone:  208-442-0800
www.rodewayinn.com

Rodeway Inn
1115 N. Curtis Rd.
Boise, ID 83706
Phone:  208-376-2700
www.rodewayinnboise.com

Safari Inn
1070 Grove St.
Boise, ID  83702
Phone:  208-344-6556
www.safariinndowntown.com

Sleep Inn
1315 Industrial Rd.
Nampa, ID  83687
Phone:  208-463-6300
www.choicehotels.com

Sleep Inn Airport Boise
2799 Airport Way
Boise, ID  83705
Phone:  208-336-7377
www.choicehotels.com

Super 8
624 Northside Blvd.
Nampa, ID  83687
Phone:  208-467-2888
www.super8.com

Super 8
2773 Elder Street
Boise, ID  83705
Phone:  208-344-8871
www.supertelinc.com

Insurance

Bonner Insurance Services
Russ Bonner - Independent Agent
2770 E. Franklin Rd.
Meridian ID 83642
Phone: 208-855-9221
Cell: 208-890-9509
Fax: 208-884-1787
E-mail: russbonner@aol.com

Farm Bureau Mutual Insurance Company of Idaho
Jared Hall
224 12th Avenue Rd.
Nampa ID 83686
Phone: 208-463-1194
Cell: 208-250-2343
Fax: 208-463-1390
E-mail: jhall@idfbins.com

Computer/Network Set-up & Repair

Professional I.T. Solutions
Jared Durham - Computer Specialist
3313 W. Cherry Ln., Ste. 601
Meridian ID 83642
Phone: 208-514-3575
E-mail: support@myproitsolution.com
www.myproitsolution.com

Laboratory

Alchem Laboratories
Water, Waste Water and Soil Analysis
Stephen Quintero - Lab Supervisor
104 W. 31st St.
Boise ID 83714
Phone: 208-336-1172
Toll-free: 800-474-1172
Fax: 208-336-7124

Landscape

Acclima – Closed Loop Irrigation Systems
Brad Nuffer
2260 E. Commercial St.
Meridian ID 83642
Phone: 208-350-3184 or 208-887-6368
E-mail: brad.acclima@gmail.com
www.acclima.com

Idaho Scene Scapes, LLC
Steven Lloyd - Owner
Phone: 208-941-8807
Andrea Lloyd
Owner/Designer
208-559-2518
E-mail: idahoscenescapes@hotmail.com

My Sprinklers Blown Out
David Meine
Owner - Phone: 208-453-2022
www.MySprinklersBlownOut.com

Painting

Rod's Custom Painting
Owner - Rod Black
New Contruction & Repaints
Phone- 208-861-6024
E-mail: rodpblack@cableone.net

Pest Control

Shoreline Pest Control, Inspection and Treatment
Rory Clinton
New Plymouth ID
208-707-2847

Physicians

St. Lukes Family Health
Dr. Mark A. Kropf, MD
Board Certified Family Physician
3410 W. Milano Drive, Suite 150
Meridian, ID 83646
208-887-5445
http://slfhonline.org

Planning & Zoning

Ada County
Ada County Courthouse
200 W. Front St.
Boise ID 83702
Phone: 208-287-7900
Fax: 208-287-7909
www.adaweb.net/DevelopmentServices.aspx

Boise County
Patti Burke - Administrator
413 Main Street
Idaho City ID 83631
Phone: 208-392-2293, Ext. 115
Fax: 208-392-2259
E-mail: pburke@co.boise.id.us
www.boisecounty.us/Planning_and_Zoning.aspx

Canyon County
Development Services
1115 Albany St., 3rd Floor
Caldwell ID 83605
Phone: 208- 454-7458
Fax: 208-454-6633
Email: dsdinfo@canyonco.org
www.canyonco.org/dsd.aspx?id=904

Elmore County
Growth and Development Department
520 East 2nd South
Mountain Home ID 83647
Phone: 208-587-2142
Fax: 208-587-2120
www.elmorecounty.org

Gem County
Development Services Department
109 S. McKinley
Emmett, ID 83617
Phone: 208-365-5144
Fax: 208-365-2499
www.co.gem.id.us/development-services/default.htm

Owyhee County
Planning and Zoning
County Annex Building
17069 Basey Street
Murphy ID 83650
Phone: 208-495-2095
Fax: 208-495-2051
www.owyheecounty.net/index1.php?pz

Payette County
Mary A. Mejia - Administrator
1130 3rd Ave. N., Room 107
Payette ID 83661
Phone: 208-642-6018
E-mail: mmejia@payettecounty.org
www.payettecounty.org/pnz/pnz.htm

Valley County
Planning and Zoning
219 N. Main St.
PO Box 1350
Cascade ID 83611
Phone: 208-382-7115
Fax: 208-7119
www.co.valley.id.us/PZ_minutes.htm

Washington County
Planning and Zoning
County Courthouse
256 East Court
Weiser ID 83672
Phone: 208-414-3631
Fax: 208-414-0394
www.co.washington.id.us/plan_zone/index.htm

Printing & Graphic Design

Graphic Source
Barbara Kirk - Owner
615 E. Kingsford
Meridian ID 83642
Phone: 208-887-6775

Thorne Printing
Sheila Kirkman
623 12th Avenue Rd.
Nampa ID 83686
Phone: 208-466-3682
Fax: 208-466-1133
E-mail: thorne@thorneprint.com

Property Cleanup, Drainage & Mold Restoration

AES, LLC.
Advanced Environmental Solutions
Mold and drainage remediation
Dane Barlow
10400 Overland Rd. PMB 252
Boise, Idaho 83709
Phone: 208-888-9075
Email: barlow.dane@yahoo.com
www.antimold.com

CTR - Cleanup & Total Restoration
Fire-water-wind-smoke-mold-vandalism
Don Huckvale
158 E. 52nd St.
Garden City, ID  83714
Phone: 208-377-1877
Fax: 208-377-1884
Cell: 208-573-1214
E-mail: don@ctridaho.com
www.ctridaho.com

D & R
Drainage Systems LLC.
Dan Flynn
Phone: 208-713-7555
Email: dan@DRDrainageSystems.com
www.DRDrainageSystems.com

Junk Bros.
Phone: 208-921-5656 or 208-949-4968
Ryan or Jason
Email: junkbrosusa@gmail.com

Ness Drainage
Crawlspace draining, cleaning & mold elimination
Doug Ness
1315 "A" West Orchard Ave.
Nampa, ID  83651
Phone: 208-466-7594
Fax: 208-466-7166
E-mail: doug@nessconstruction.com
www.nessdrainage.com

Property Management

Regency Property Management
Lynn Ploskonka - Owner/Agent
Phone: 208-939-7757

Boise Property Management, LLC
Jason Woodward
13601 W McMillan Rd, Suite 102-187
Boise ID 83713
Phone: 208-377-2525
Cell: 208-697-4454
Fax: 208-377-2540
E-mail: jwoodward@bpmidaho.com
http://bpmidaho.com

Tax-Deferred Exchanges

Pioneer 1031 Co.
Bobbie Deidrich - Assistant Banking Coordinator
703 Americana Blvd., Ste. 120
Boise ID 83702
Phone: 208-373-3739
Toll-Free: 800-556-1031
Fax: 208-373-3737
E-mail: bobbie@pioneer1031.com
www.pioneer1031.com

Title Companies

Pioneer Title Co.
Anne Patterson - Customer Service Representative
775 S. Rivershore Ln., Ste. 120
Eagle ID 83616
Phone: 208-938-7490
Fax: 208-938-7490
E-mail: annep@pioneertitleco.com
www.pioneertitleco.com

Pioneer Title Co.
April Ashby - Escrow Officer
775 S. Rivershore Ln., Ste. 120
Eagle ID 83616
Phone: 208-938-7486
Fax: 208-938-8073
E-mail: aprila@pioneertitleco.com
www.pioneertitleco.com

Pioneer Title Co.
Ramona Schoonover - Escrow Officer
1500 S. Washington Ave., Ste. B
Emmett ID 83617
Phone: 208-365-5343
Fax: 208-365-3650
E-mail: ramonas@pioneergemcounty.com
www.pioneertitleco.com

Pioneer Title Co.
Vicki Hunsperger - Escrow Officer
610 S. Kimball
Caldwell ID 83605
Phone: 208-459-1651
Direct: 208-455-7305
Fax: 208-455-1138
E-mail: vickih@pioneercanyon.com
www.pioneertitleco.com

Stewart Title
Christal Skeem - Marketing Representative
9196 W. Emerald, Ste. 100
Boise ID 83704
Office: 208-373-0009
Direct: 208-287-8118
Cell: 208-921-0427
Fax: 208-377-0285
E-mail: cskeem@stewart.com
www.stewartboise.com

Website Management Services

IdahoWebpages.com
3847 Elsinore Way
Meridian, ID 83646
208-888-9166
joe@idahowebpages.com
www.IdahoWebpages.com

Water Companies

Idaho Water Company, LLC
Del Kohtz
1135 Valley Rd. S.
Eden ID 83325
Phone: 208-825-5617
Cell: 208-312-1135 or 208-410-0438
Fax:208-825-5063
E-mail: del@idahowatercompany.com

Wells & Drilling

Down Right Drilling & Pump Inc.
Sam Kingrey/Tony Hackett
6025Little Freeze Out Rd.
Caldwell ID 83607
Phone: 208-454-3098
Fax: 208-454-0010

Window Cleaning

Graeagle Window Cleaning Company
David L. Sohn - Owner
Call for Free Estimates
Phone: 208-761-7000
E-mail: sohnraid@msn.com

]]> http://www.stewartrealtyllc.com/relocation/best-place-to-live.html MTctMTI5NTQ3MTk4Mg== Wed, 19 Jan 2011 14:19:42 -0700 Boise - One of the Best Places to Live, Work and Play

Locals have known for a long time why the Boise Area is one of the best places to live, from the mountains where locals hike, ski and snowboard, to the valleys, where you can run along the greenbelt, visit the scene downtown or hike or float the Snake River Canyon. The Boise area has fantastic schools and great jobs. Just listen to the many wonderful things that others have discovered about Boise.

“No. 4 Most Secure Mid Sized City” “What does it take to be one of the nations most secure cities? We looked for lower crime rates, a lower risk of natural disasters, such as tornadoes, earthquakes or floods, and a healthy economy, as represented by future job growth.” Farmers Insurance Friendly Exchange Magazine- “Finding the safest Places”, Summer 2005.

“No. 9 among Top Metros for Scientists and Engineers per Capita” Exceptionally well placed to attract and nurture high-tech companies and entrepreneurs” Expansion Management Magazine- “Americas Super Cities of the Future” – May 12, 2005 “

A TOP CHOICE for Footloose Techies.” “Nestled at the base of the Rocky Mountains, the city has long been known for its astonishing scenery and outdoor recreational opportunities. But in recent years Boise has undergone a transformation…creating a ‘new’ new economy in the shadow of the old one.” INC. Magazine- “The Best Places for Doing Business in America 2005” – May 2005

Visit the City Pages located in the lower left column of our our website to find the area that is the best fit for your family and lifestyle.

More Boise Area Reports:

• CNN Money.com - Best Places to Live
• National Geographic - Where to Live and Play
• "Best Place" Accolades for Boise
• Forbes.com - Best Places to Live
• Wikipedia Information for Boise,_Idaho
• HouseHunt.com - 10 Best Small Cities to Live
• BuildIdaho.com - Boise Market Report
• City Comparison Tool
• Boise Ranked #10 Best
• 10 Best Towns for Families: 2010

]]> http://www.stewartrealtyllc.com/relocation/climate-and-weather.html MTYtMTI5NTQ3MTg5MQ== Wed, 19 Jan 2011 14:18:11 -0700 Boise Idaho Climate & Weather

Boise, Idaho's climate is dominated by clear skies and sunny days. All four seasons are experienced in Boise, with the turning of Fall colors, a warm sunny Summer, beautiful Spring time and a cool but usually not too cold Winter.

Weather FAQ's

• Boise's coldest month is January with an average temperature of 24° F
• The warmest month in Boise is July where temperatures average 89° F
• Driest month is August with under .5 inches of rain
• Wettest month is March where you can expect about 1.5 inches of rain.

Current Weather

]]> http://www.stewartrealtyllc.com/relocation/travel-and-recreation.html MTUtMTI5NTQ3MTYxOA== Wed, 19 Jan 2011 14:13:38 -0700 Travel

The average commute time in the Boise Metro Area is 20.2 minutes.

Check Road and Traffic Conditions throughout Idaho
http://www.511.idaho.gov

Transportation Information

Ada County Highway District
3775 Adams St.
Garden City ID 83714
Phone: 208-387-6120
Traffic: 208-387-6140
www.achd.ada.id.us

Community Planning Association
800 S. Industry Wy., Ste. 100
Meridian ID 83642
Phone: 208-855-2558
www.compassidaho.org

Idaho Transportation Department
3311 W. State St.
P.O. Box 7129
Boise ID 83707
Phone: 208-334-8000
www.itd.idaho.gov

Valley Regional Transit
830 N. Main St., Ste. 230
Meridian ID 83642
Phone: 208-846-8547
www.valleyregionaltransit.org

RV Parks

Ambassador RV Resort
615 South Smeed Parkway
Caldwell ID 83605
Phone: 208-454-8584
Toll-free: 888-877-8307
Fax: 208-454-7932
E-mail: ambassadorrvresort@yahoo.com
www.grapevine7.com/ambassador.htm

Boise-Meridian RV resort
184 W. Pennwood St.
Meridian ID 83642
Toll-free: 866-988-7003
www.nwfamilyrvresorts.com

Caldwell Campground
21830 Towns Cir. #34
Caldwell ID 83607
Phone: 208-454-0279
Fax: 208-454-1956
E-mail: info@caldwellcampground.com
http://caldwell.myownfreeweb.com

Fort Running Bear
P.O. Box 909
Mountain Home ID 83647
Phone: 208-653-2494
E-mail: ftrunningbear@aol.com
www.fortrunningbear.com

Garrity Boulevard RV Park
3515 Garrity Boulevard
Nampa ID 83687
Phone: 208-442-9000‎

HiValley RV Park
10555 Horseshoe Bend Rd.
Boise ID 83714
Toll-free: 888-457-5959
Phone: 208-939-8080
Fax: 208-939-3105
E-mail: hivalleyboise@yahoo.com
www.grapevine7.com/hivalley.htm

McCall RV Resort
200 Scott St.
McCall ID 83638
Phone: 208-634-1418
Toll-free: 800-709-9739
E-mail: mccallrvresort@yahoo.com
www.mccallrvresort.com

Mason Creek RV Park
807 Franklin Blvd
Nampa ID 83687
Phone: 208-465-7199‎

Mountain View RV Park
2040 Airport Way
Boise ID 83705
Phone: 208 345-4141
Toll-free: 877 610 4141
Fax: 208 345 4170
www.boiservpark.com

On the River RV park
6000 N. Glenwood
Boise ID 83714
Phone: 208-375-7432
Toll-free: 800-375-7432
Fax: 208-375-7463
E-mail: otrrvp@spro.net
www.ontheriverrvpark.com

Boise Airport
3201 Airport Wy., Ste. 1000
Boise ID 83705
Phone: 208-383-3110
www.cityofboise.org/departments/airport

Commercial Airline Carriers

Delta Airlines
Reservations: 800-221-1212
Flight Status: 800-325-1999
www.delta.com

Frontier Airlines
Reservations: 800-432-1359
Flight Status: 800-432-1FLY
www.frontierairlines.com

Horizon Air
Reservations: 800-547-9308
www.alaskaair.com

Northwest Airlines
Reservations: 800-225-2525
Flight Status: 800-441-1818
www.nwa.com

SkyWest Airlines
Reservations: 800-345-9792
www.skywest.com

Southwest Airlines
Reservations: 800-435-9792
www.southwest.com

United Airlines
Reservations: 800-241-6522
Flight Status: 800-824-6200
www.united.com

US Airways
Reservations: 800-235-9292
www.usairways.com

Charter Aircraft/Other Services

Access Air
Phone: 800-307-4984
www.accessair.net

Conyan Aviation
Phone: 208-342-1042
www.conyanaviation.com

Jackson Jet Center
Phone: 877-383-3300
www.jacksonjetcenter.com

McCall Aviation
Phone: 800-992-6559
www.mccallaviation.com

Salmon Air
Phone: 800-448-3413
www.salmonair.com

Turbo Air
Phone: 208-343-3300
www.turboairboi.com

Western Aircraft
Phone: 888-511-5004
www.westair.com

Recreation

Official Idaho Vacation and Travel Guide
www.visitidaho.org

4D Longhorn Guest Ranch
High Valley ID
Phone: 208-989-5033
www.4dranches.com

Action Whitewater Adventures
P.O. Box 1634
Provo UT 84603
Phone: 800-453-1482
International: 801-375-4111
E-mail: guideinfo@riverguide.com
www.riverguide.com

Activity Barn
Lift-Served Snow Tubing
McCall ID
Phone: 208-634-2222
Fax: 208-634-1268
www.activitybarn.com

Bighorn Outfitters
Dave Melton
11 Tom Boyle Road
Carmen ID 83462
Toll-free: 800-259-3992
www.huntidaho.com

Black Canyon Reservoir
www.usbr.gov

Blue Cruise of Idaho
Cycling Events
3000 E. Pine Ave., Meridian ID
Phone: 208-331-7317
www.bluecruiseidaho.com

Bogus Basin Mountain Recreation Area
Phone: 208-332-5100
Toll-free: 800-367-4397
www.bogusbasin.org

Boise River
Floating the River
www.cityofboise.org/boiseriver

Boulder Creek Outfitters
P.O. Box 119
Peck ID 83545
Phone: 208-486-6232
Fax: 208-486-7280
E-mail: idahohunts@bouldercreekoutfitters.com
www.bouldercreekoutfitters.com

Brundage Mountain Ski Resort
208-634-4151
www.brundage.com

Cascade Raft and Kayak
7050 Highway 55
Horseshoe Bend ID 83629
Phone: 208-793-2221
Toll-free: 800-292-7238
www.cascaderaft.com

Castle Creek Outfitters
#13 17 Mile Rd.
Salmon, ID 83467
Phone: 208-756-2548
Email: shane@castlecreekoutfitters.com
www.castlecreekoutfitters.com

City of Trees Marathon
Early October
208-888-2122
www.cityoftreesmarathon.com

Hells Canyon Raft
P.O. 4610
McCall ID 83638
Toll-free: 800-523-6502
E-mail: hcr@hellscanyonraft.com
www.hellscanyonraft.com

Idaho Afloat
Toll-free: 800-700-2414
E-mail: info@idahoafloat.com
www.idahoafloat.com

Idaho Fishing
http://fishandgame.idaho.gov/fish

Idaho Fish-n-Hunt
Comprehensive Fishing and Hunting Information
www.idfishnhunt.com

Idaho Guide Service
563 Trotter Dr.
Twin Falls ID 83301
Phone: 208-734-4998
Toll-free: 888-73-IDAHO
www.idahoguideservice.com

Idaho Hunting
http://fishandgame.idaho.gov/cms/hunt

Idaho Skiing and Winter Recreation
www.visitidaho.org/winter

Idaho Whitewater Unlimited
P.O. Box 570
Garden Valley ID 83622
Phone: 208-462-1900
Toll-free: 800-800-RAFT
E-mail: idwhtwtr@idahowhitewaterunltd.com
www.idahowhitewaterunltd.com

Ken Smith’s Hunting Idaho
1691 Old Ahsahka Grade
Ahsahka ID 83520
Phone: 208-476-7148
Toll-free: 877-844-3474
E-mail: kensmith62@yahoo.com
www.huntingidaho.com

Kookaburra Rafting, LLC
1115 Highway 93 South
Salmon ID 83467
Phone: 208-756-4386
Toll-free: 888-654-4386
www.raft4fun.com

Lucky Peak Reservoir
www.parksandrecreation.idaho.gov

O.A.R.S.
Phone: 209-736-4677
Toll-free: 800-346-6277
Fax: 209-736-2902
www.oars.com/idaho

Mystic Saddle Ranch
HC64 Box 9951
Stanley ID 83278
Phone: 208-774-3591
Toll-free: 888-722-5432
Fax: 208-774-3455
E-mail: info@mysticsaddleranch.com
www.mysticsaddleranch.com

Race to Robie Creek
Mid April
www.robiecreek.com

River Dance Lodge
7743 Highway 12
Kooskia ID 83539
Phone: 208-765-0841
Toll-free: 866-769-8747
Fax: 208-667-6506
E-mail: info@RiverDanceLodge.com
www.riverdancelodge.com

Row Adventures
P.O. Box 579
Coeur d'Alene ID 83816
Direct: 208-765-0841
Toll-free: 800-451-6034
Fax: 208-667-6506
E-mail: info@rowadventures.com
www.rowadventures.com

Sawtooth Adventure Company
P.O. Box 206
Stanley ID 83278.
Direct: 208-721-8772
Toll-free: 866-774-4644
E-mail: info@sawtoothadventure.com
www.sawtoothadventure.com

Silver Spur Lodge & Outfitters
2742 Dixie Rd.
Dixie ID 83525
Phone: 208-842-2417
E-mail: silverspurlodge@hughes.net
www.silverspurlodge.com

Soldier Mountain Ski Resort
Phone: 208-764-2526
www.soldiermountain.com

Snowmobiling in Idaho
www.sledtherockies.com/idaho

St. Luke’s Women’s Fitness Celebration
September
Phone: 208-381-2221
www.celebrateall.org

Sun Valley Ski Resort
Phone: 208-622-2001
www.sunvalley.com

Tamarack Ski Resort
Phone: 877-TAM-RESORT
www.tamarackidaho.com

Teton Mountain Ranch
269 West 800 South
Victor ID 83455
Phone: 208-787-9005
Toll-free: 866-787-9005
www.elkadventures.com

Teton Valley Lodge, Inc.
379 Adams Rd
Driggs ID 83422
Phone: 208-354-2386
Toll-free: 800-455-1182
Fax: 866-417-2323
E-mail: flyfish@tetonvalleylodge.com
http://tetonvalleylodge.com

Tight Lines, Inc.
Fishing & Rafting
Jeff & Laura Helfrich
P.O. Box 117
Vida OR 97488
Toll-free: 877-855-6270
www.tightlinesfishing.com

Wells Fargo Twilight Criterium
Bike Race
Mid July
Phone: 208-393-2256
www.boisetwilightcriterium.com

Winter Games of Idaho
January through February
Phone: 208-342-2722
http://wintergamesofidaho.com

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Local Utility Contacts | Moving & Storage | Top Employers | Cable, Internet and Phone

Local Utility Contacts

Boise

Water, Sewer and Sanitation Payments
Phone: 208-384-3735
Billing: 208-384-3900
E-mail: utilities@cityofboise.org
www.cityofboise.org

Intermountain Gas Co.
Phone: 208-377-6840
www.intgas.com

Idaho Power Co.
Phone: 208-388-2323
www.idahopower.com

Caldwell

Water, Sewer and Sanitation Payments
411 Blaine St.
P.O. Box 1179
Caldwell ID 83606
Phone: 208-455-3000
Fax: 208-454-3640
E-mail: water@ci.caldwell.id.us
www.cityofcaldwell.com

Intermountain Gas Co.
Phone: 208-377-6840
www.intgas.com

Idaho Power Co.
Phone: 208-388-2323
www.idahopower.com

Eagle

Water, Sewer and Sanitation Payments
Ada County Treasurer
P.O. Box 2868
Boise ID 83701
Phone: 208-287-6800
www.adaweb.net

Intermountain Gas Co.
Phone: 208-377-6840
www.intgas.com

Idaho Power Co.
Phone: 208-388-2323
www.idahopower.com

Emmett

127 E Main St
Emmett ID 83617
Phone: 208-365-3485
Fax: 208-365-3220
http://emmettidaho.com

Emmett Sanitation
2200 S. Boise Ave.
Emmett ID
Phone: 208-365-6103

Intermountain Gas Co.
Phone: 208-377-6840
www.intgas.com

Idaho Power Company
Phone: 208-388-2323
www.idahopower.com

Fruitland

Water, Sewer and Sanitation Payments
City of Fruitland
200 S. Whitley
Fruitland ID 83619
Phone: 208-452-4421
www.fruitland.org

Intermountain Gas Co.
Within the Treasure Valley: 208-377-6840
Outside the Treasure Valley: 1-800-548-3679
www.intgas.com

Idaho Power Co.
Within the Treasure Valley: 208-388-2323
Outside the Treasure Valley: 1-800-488-6151
www.idahopower.com

Garden City

Water, Sewer and Sanitation Payments
6015 Glenwood St.
Garden City ID 83714
Phone: 208-472-2900
Fax: 208-472-2996
www.gardencityidaho.govoffice.com

Intermountain Gas Co.
Phone: 208-377-6840
www.intgas.com

Idaho Power Co.
Phone: 208-388-2323
www.idahopower.com

Greenleaf

Water, Sewer and Sanitation Payments
Summer irrigation provided within city limits
20523 North Whittier Dr.
Greenleaf ID 83626
Phone: 208-454-0552
Fax: 208-454-7994
E-mail: greenleafcity@cableone.net
www.greenleaf-idaho.us

Intermountain Gas Co.
Within the Treasure Valley: 208-377-6840
Outside the Treasure Valley: 1-800-548-3679
www.intgas.com

Idaho Power Co.
Within the Treasure Valley: 208-388-2323
Outside the Treasure Valley: 1-800-488-6151
www.idahopower.com

Homedale

Water, Sewer and Sanitation Payments
31 West Wyoming Ave.
P.O. Box 757
Homedale ID 83628
Phone: 208-337-4641
Fax: 208-337-5904
E-mail: cityofhomedale@cableone.net
http://cityofhomedale.com

Intermountain Gas Co.
Within the Treasure Valley: 208-377-6840
Outside the Treasure Valley: 1-800-548-3679
www.intgas.com

Idaho Power Co.
Within the Treasure Valley: 208-388-2323
Outside the Treasure Valley: 1-800-488-6151
www.idahopower.com

Horseshoe Bend

Water and Sewer Payments
Phone: 208-793-2255
Sanitation Payments – Miller Enterprises
Phone: 208-793-2561

Intermountain Gas Co.
Within the Treasure Valley: 208-377-6840
Outside the Treasure Valley: 1-800-548-3679
www.intgas.com

Idaho Power Co.
Within the Treasure Valley: 208-388-2323
Outside the Treasure Valley: 1-800-488-6151
www.idahopower.com

Kuna

Water, Sewer and Sanitation Payments
763 W. Avalon
Kuna, Idaho 83634
Phone: 208-922-5546
E-mail: bill@cityofkuna.com
www.cityofkuna.com

Intermountain Gas Co.
Phone: 208-377-6840
www.intgas.com

Idaho Power Co.
Phone: 208-388-2323
www.idahopower.com

Marsing

Marsing City Hall
425 S. Main St.
Marsing ID 83639
Phone: 208-896-4122

Intermountain Gas Co.
Within the Treasure Valley: 208-377-6840
Outside the Treasure Valley: 1-800-548-3679
www.intgas.com

Idaho Power Co.
Within the Treasure Valley: 208-388-232
Outside the Treasure Valley: 1-800-488-6151
www.idahopower.com

McCall

Water and Sewer Payments
Public Works Department
815 N. Samson Trail
McCall ID 83638
Phone: 208-634-5580
www.mccall.id.us

Sanitation Payments – Lakeshore Disposal
McCall ID 83638
Phone: 208-634-7176

Intermountain Gas Co.
Within the Treasure Valley: 208-377-6840
Outside the Treasure Valley: 1-800-548-3679
www.intgas.com

Idaho Power Co.
Within the Treasure Valley: 208-388-2323
Outside the Treasure Valley: 1-800-488-6151
www.idahopower.com

Melba

City Hall
P.O. Box 209401
Carrie Rex Ave.
Melba ID 83641
Phone: 208-495-2722
Fax: 208-495-0952
E-mail: publicworks@cityofmelba.org
http://cityofmelba.org

Intermountain Gas Co.
Within the Treasure Valley: 208-377-6840
Outside the Treasure Valley: 1-800-548-3679
www.intgas.com

Idaho Power Co.
Within the Treasure Valley: 208-388-2323
Outside the Treasure Valley: 1-800-488-6151
www.idahopower.com

Meridian

Water, Sewer and Sanitation Payments
Meridian City Hall
33 E. Broadway Ave., Ste. 106
Meridian ID 83642
Phone: 1-208-888-4439
Fax: 1-208-887-4813
E-mail: utilitybilling@meridiancity.org
www.meridiancity.org

Intermountain Gas Co.
Phone: 208-377-6840
www.intgas.com

Idaho Power Co.
Phone: 208-388-2323
www.idahopower.com

Middleton

Water, Sewer and Sanitation Payments
6 N Dewey Ave.
Middleton ID 83644
Phone: 208-585-6611
E-mail: citmid@middletonidaho.us
www.middletonchamber.org

Intermountain Gas Co.
Phone: 208-377-6840
www.intgas.com

Idaho Power Co.
Phone: 208-388-2323
www.idahopower.com

Mountain Home

Water, Sewer and Sanitation Payments
City of Mountain Home
160 South 3rd East
P.O. Box 10
Mountain Home ID 83647
Phone: 208-587-2104
www.mountain-home.us

Intermountain Gas Co.
Phone: 208-377-6840
www.intgas.com

Idaho Power Co.
Phone: 208-388-2323
www.idahopower.com

Nampa

Water, Sewer and Sanitation Payments
Central Services Building
224 11th Ave. So.
Nampa ID 83651
Phone: 208-468-5711
Fax: 208-468-5730
E-mail: utility@cityofnampa.us
www.cityofnampa.us

Intermountain Gas Co.
Phone: 208-377-6840
www.intgas.com

Idaho Power Co.
Phone: 208-388-2323
www.idahopower.com

New Plymouth

Water, Sewer and Sanitation Payments
City Hall
301 N. Plymouth Ave.
P.O. Box 158
New Plymouth ID 83655
Phone: 208-278-5338
Fax: 208-278-5330
E-mail: clerk@npidaho.com
www.npidaho.com

Intermountain Gas Co.
Within the Treasure Valley: 208-377-6840
Outside the Treasure Valley: 1-800-548-3679
www.intgas.com

Idaho Power Co.
Within the Treasure Valley: 208-388-2323
Outside the Treasure Valley: 1-800-488-6151
www.idahopower.com

Notus

City Hall
Notus ID 836563
Phone: 208-459-62123

Intermountain Gas Co.3
Within the Treasure Valley: 208-377-68403
Outside the Treasure Valley: 1-800-548-36793
www.intgas.com

Idaho Power Co.3
Within the Treasure Valley: 208-388-23233
Outside the Treasure Valley: 1-800-488-61513
www.idahopower.com

Parma

Parma City Office
305 N. 3rd
Box 608
Parma ID 83660
Phone: 208-722-5138
Fax: 208-722-5139

Intermountain Gas Co.
Within the Treasure Valley: 208-377-6840
Outside the Treasure Valley: 1-800-548-3679
www.intgas.com

Idaho Power Co.
Within the Treasure Valley: 208-388-2323
Outside the Treasure Valley: 1-800-488-6151
www.idahopower.com

Payette

Water, Sewer and Sanitation Payments
700 Center Ave.
Payette ID 83661
Phone: 208-642-6024
Fax: 208-642-1412
E-mail: billing@cityofpayette.com
www.cityofpayette.com

Intermountain Gas Co.
Within the Treasure Valley: 208-377-6840
Outside the Treasure Valley: 1-800-548-3679
www.intgas.com

Idaho Power Co.
Within the Treasure Valley: 208-388-2323
Outside the Treasure Valley: 1-800-488-6151
www.idahopower.com

Star

Star Sewer & Water District
100 S. Star Rd.
P.O. Box 400
Star, ID 83669
Phone: 208-286-7388
www.starswd.com

Sanitation Payments – Allied Waste
Phone: 208-345-1265
www.staridaho.org

Intermountain Gas Co.
Phone: 208-377-6840
www.intgas.com

Idaho Power Co.
Phone: 208-388-2323
www.idahopower.com

Weiser

Water, Sewer, Sanitation and Electric Payments.
Weiser City Hall
55 West Idaho St.
Weiser ID 83672
Phone: 208-414-1965
http://weiser.govoffice.com

Intermountain Gas Co.
Within the Treasure Valley: 208-377-6840
Outside the Treasure Valley: 1-800-548-3679
www.intgas.com

Wilder

Water, Sewer and Sanitation Payments
City of Wilder
219 3rd St.
P O Box 687
Wilder ID 83676
Phone: 208-482-6204
Fax: 208-482-7890
www.cityofwilder.org

Intermountain Gas Co.
Within the Treasure Valley: 208-377-6840
Outside the Treasure Valley: 1-800-548-3679
www.intgas.com

Idaho Power Co.
Within the Treasure Valley: 208-388-2323
Outside the Treasure Valley: 1-800-488-6151
www.idahopower.com

⇑ Back To Top

Moving and Storage

ABF Boise
7556 W Mossy Cup St.Boise ID 83709
Phone: 208-362-2235
www.abfs.com

Air Van Boise Moving & Storage
3340 S Denver Way
Boise ID 83705
Toll-free: 800-769-5641
Phone: 208-345-3030
Fax: 208-345-3813
SalesInfo@airvanmoving.com
www.airvanmoving.com

All My Sons of Boise
2240 South Cole Rd
Boise ID 83709
Phone: 208-672-8220
Fax: 208-672-1142
www.allmysons.com/boise

Budget Truck Rental
www.budgettruck.com

Plantation Tune Tech
6550 W State Street
Boise ID 83714
Phone: 208-853-4832

Hallmark Motors LLC
4201 Overland RoadBoise ID 83705
Phone: 208-331-6638

Beckham Collision Center LLC
117 North 21st Avenue
Caldwell ID 83605
Phone: 208-459-0962

Auto Marine Upholstery
543 Old Highway 30
Mountain Home ID 83647
Phone: 208-587-0618

Freedom Storage Center
www.freedomstoragecenter.com
8303 West Vincent Street Boise Idaho 83709 Phone: 208-853-2323
809 South KCID Road Caldwell Idaho 83606 Phone: 208-853-2323
943 West Overland Road Meridian Idaho 83642 Phone: 208-853-2323
9870 West State Street Star Idaho 83669 Phone: 208-853-2323

Gem State Moving
4790 Clinton Street
Boise ID 83706
Phone: 208-381-0665
Fax: 208-319-0321
Cell: 208890-7634
gemstatemoving@msn.com
www.gemstatemoving.com

Merchants Moving & Storage, Inc.
11345 Executive Drive
Boise ID 83713
Phone: 208-376-8990
Toll-free: 888-376-8990
Fax: 208-376-1301
ron@merchantsmoving.com
www.merchantsmoving.com

Mesa Systems, Inc.
7600 S. Eisenman
Boise ID 83716
Toll-Free: 1-800-950-7661
Phone: 208-336-7000
Fax: 208-336-9734
Boise@mesasystemsinc.com
www.mesasystemsinc.com

Moving Companies
www.topmovingcompanies.com

Republic Storage of Idaho
www.republicstorageofidaho.com
3290 S. Denver Way Boise ID 83705 Phone: 208-344-6800 Fax: 208-344-0495
9033 W. Chinden Blvd. Boise ID 83714 Phone: 208-322-7020 Fax: 208-322-7021
3202 E. Cleveland Blvd.C aldwell ID 83605 Phone: 208-454-1000 Fax: 208-454-3347
8785 Horseshoe Bend Road Boise ID 83714 Phone: 208-939-5577 Fax: 208-939-2655
627 S. Meridian Meridian ID 83642 Phone: 208-888-4500 Fax: 208-888-5261
1575 W. 6th S.Mountain Home ID 83647 Phone: 208-587-3097 Fax: 208-587-8791
827 W. Karcher Rd. Nampa ID 83687 Phone: 208-467-5600 Fax: 208-467-5611
9044 W. State StreetStar ID 83669 Phone: 208-286-0411

Ryder Truck Rental
4580 Enterprise Street
Boise ID 83705
Phone: 208-345-0193
www.ryder.com

U-Haul
www.uhaul.com
1350 W Victory Road Boise ID 83705 Phone: 208-345-4412
402 N Illinois Avenue Caldwell ID 83605 Phone: 208-454-6783
8959 W State Street Boise ID 83714 Phone: 208-853-2879
1101 S Washington Avenue Emmett ID 83617 Phone: 208-365-0782
8151 W Chinden Boulevard Garden City ID 83714 Phone: 208-377-2755
3685 Highway 95 Homedale, ID 83628 Phone: 208-337-5474
611 E Shortline Street Kuna ID 83634 Phone: 208-922-1904
13849 Highway 55 Mccall ID 83638 Phone: 208-634-7048
337 North Meridian Road Meridian ID 83642 Phone: 208-895-0669
990 W 6th South Mountain Home ID 83647 Phone: 208-587-8165
376 Nampa Caldwell Boulevard Nampa ID 83651 Phone: 208-466-4303
116 W Maple Street New Plymouth ID 83655 Phone: 208-278-0158
809 E Grove Avenue Parma ID 83660 Phone: 208-722-7709
605 S Main Street Payette ID 83661 Phone: 208-642-9349
549 S Star Road Star ID 83669 Phone: 208-286-0719
745 E Commercial Street Weiser ID 83672 Phone: 208-549-1266

⇑ Back To Top

Top Employers

Ada County

Human Resources
Ada County Courthouse
200 W. Front Street
Boise ID 83702
Phone: 208-287-7123
Fax: 208-287-6999
Information Line: 208-287-7080
www.adaweb.net

Albertsons A SUPERVALU Company

Multiple Treasure Valley Locations
Corporate Office
250 Parkcenter Blvd.
Boise ID 83705
www.albertsons.com

Amalgamated Sugar Co.

Boise Office
1951 S. Saturn Way, Suite 100
Boise ID 83709
Phone: 208-383-6500
Fax: 208-383-6688

Nampa Factory
138 W. Karcher Avenue
Nampa ID 83687
P.O. Box 8787
Nampa ID 83653
Phone: 208-466-3541
Fax: 208-466-0295
www.amalgamatedsugar.com

Blue Cross of Idaho

3000 East Pine Avenue
Meridian ID 83642-5995
Phone: 208-345-4550
www.bcidaho.com

Boise, Inc.

Formerly Boise Cascade,
LLC1111 West Jefferson Street Ste 200
Boise ID 83702
PO Box 990050
Boise ID 83799
Phone: 208-384-7000
www.boiseinc.com

Boise School District

8169 W. Victory Rd.
Boise, ID 83709
Phone: 208-854-4074
www.boiseschools.org

Boise State University

Main Switchboard: 208-426-1000
Human Resource Services
1910 University Drive
Mailstop 1265
Boise ID 83725
Phone: 208-426-3170
Fax: 208-426-2056
www.boisestate.edu

Caldwell School District

Human Resources
1101 E Cleveland Blvd
Caldwell ID 83605
Phone: 208-455-3300
http://caldwellschools.org

Citicorp

Multiple Treasure Valley Locations
www.citibank.com

City of Boise

Human Resources Contact
Phone: 208-384-3850
Fax: 208-384-3868
E-mail: hr@cityofboise.org
TTY: 800-377-3529
www.cityofboise.org

College of Idaho

Human Resources
Box # 542112 Cleveland Blvd.
Caldwell ID 83605
Phone: 208-459-5680
Fax: 208-459-5362
www.collegeofidaho.edu

DirecTV

Boise Customer Contact Center
Boise ID
www.directv.com

Fred Meyer

Multiple Treasure Valley Locations
www.fredmeyer.com

Hewlett-Packard Company

11311 W Chinden Blvd.
Garden City ID
Phone: 208-396-6000
www.hp.com

Idaho Banking Company

Multiple Treasure Valley Locations
www.idahobankingco.com

Idaho Department of Commerce

Attn: Human Resources
P.O. Box 83720
Boise ID 83720-0093
Phone: 208-334-2650 ext 2136
www.commerce.idaho.gov

Idaho Department of Health and Welfare

Boise Office
1720 Westgate Drive
Boise ID 83704
Phone: 208-334-0901

McCall Office
299 South 3rd Street
McCall ID 83638
Toll-free: 877-819-8327
Phone: 208-634-3510

Mountain Home Office
2420 American Legion Blvd.
Mountain Home ID 83647
Phone: 208-587-9061
Fax: 208-587-5024
www.healthandwelfare.idaho.gov

Idaho Department of Labor

317 W. Main Street
Boise ID 83735
Phone: 208-332-3570
Fax: 208-334-6430
Email: www@labor.idaho.gov
http://labor.idaho.gov

Idaho National Guard

Resources Staffing Manager
Phone: 208-272-4220
Human Resource Officer
Phone: 208-272-3809
www.idahoarmyguard.org

Idaho Pacific Lumber Company

7255 W. Franklin Road
Boise ID 83709
PO Box 190390
Boise ID 83719
Phone: 800-231-2310 or 208-375-8052
Fax: 208-375-3054
www.idapac.com

Idacorp, Inc.

Parent Company of Idaho Power
Corporate Headquarters
1221 W. Idaho St.
Boise ID 83702
P.O. Box 70
Boise ID 83707
www.idacorpinc.com

Idaho Timber

Corporate Office
1299 N. Orchard St., Ste. 300
Boise ID 83706
P.O. Box 67
Boise ID 83707
Phone: 208-377-3000
www.idahotimber.com

J.R. Simplot Company

Simplot Employment Center
877-878-7404
careers@simplot.com
www.simplot.com

Mercy Medical Center

1512 12th Avenue Road
Nampa ID 83686
Main Switchboard: 208-463-5000
Job Hot Line: 208-463-5802
www.mercynampa.org

Meridian School District

District Service Center
1303 E. Central Drive
Meridian ID 83642
Phone: 208-855-4500
Fax: 208-350-5962
www.meridianschools.org

Micron Technology

8000 S. Federal Way
P.O. Box 6
Boise, ID 83707-0006
Phone: 208-368-4000
Fax: 208-368-4435
www.micron.com

Mountain Home Air Force Base

Base Operator: 208-828-1110
DSN: 728-1110
www.mountainhome.af.mil

Nampa School District

District Office
619 S. Canyon
Nampa ID 83686
Phone: 208-468-4600
Fax: 208-468-4638
www.nsd131.org

Qwest Communications

Multiple Treasure Valley Locations
www.qwest.com

Saltzer Medical Group

Locations in Nampa, Meridian, Caldwell and Boise
www.saltzermed.com

St. Alphonsus Regional Medical Center

6140 W. Curtisian
Boise ID 83706
Phone: 800-574-5627 or 208-367-2149
Fax: 208-367-312
E-mail: applications@sarmc.org
www.saintalphonsus.org

St. Luke's Boise Medical Center

Human Resources
148 East Jefferson Street
Boise, ID 83712
jobs@slrmc.org
HR Representative: 208-381-2470
Application Information Line: 800-722-7052 or 208-381-1187
Fax: 208-381-4649
www.slrmc.org

St. Luke's Meridian Medical Center

Human Resources
520 South Eagle Road
Meridian, ID 83642
jobs@slrmc.org
Phone: 208-706-5240
Fax: 208-706-5241
www.slrmc.org

Teleperformance Call Center

Boise ID
www.teleperformance.com

T-Mobile Call Center

Meridian ID
www.t-mobile.com

U.S. Bank

Multiple Treasure Valley Locations
www.usbank.com

U.S. Postal Service

Multiple Treasure Valley Locations
www.usps.com

Veterans Affairs, Medical Center

Boise Regional Office
444 W. Fort St.
Boise ID 83702

Boise VA Medical Center
500 W. Fort Street
Boise ID 83702

Boise Vet Center
2424 Bank Drive, Ste. 100
Boise ID 83705
www.vacareers.va.gov

Wal-Mart

Multiple Treasure Valley Locations
www.walmart.com

WinCo Foods

Multiple Treasure Valley Locations
www.wincofoods.com

URS Washington Division

Boise Offices
1750 Front Street, Suite 100
Boise ID 83702-5192P
hone: 208-344-140
Fax: 208-338-9063

720 Park Boulevard
Boise ID 83712
P.O. Box 73
Boise ID 83729
Phone: 208-386-5000
Fax: 208-386-7186
www.wgint.com

Wells Fargo

Multiple Treasure Valley Locations
www.wellsfargo.com

West Valley Medical Center

Attn: Human Resources
1717 Arlington Ave
Caldwell ID 83605
Phone: 208-455-3835
Jobline: 208-455-3828
www.westvalleymedctr.com

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Cable, Internet and Phone

Cable One

Cable, Internet and Phone
1-888-204-9383
www.cableone.net

Clear

Internet
208.323.3560
www.clear.com

Comcast

Cable, Internet and Phone
1-800-COMCAST
www.comcast.com

DirecTV

Cable
1-800-644-0741
www.directv.com

Dish Network

Cable
1-888-825-2557
www.dishnetwork.com

Fiberpipe

Internet
1-888-414-8818
www.fiberpipe.net

Integra Telecom

Internet and Phone
1-877-953-7747
www.integratelecom.com

Century Link

Cable, Internet and Phone
1-888-360-0785
www.qwest.com

Vonage

Local and Long Distance
1-800-583-9216
www.vonage.com

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