What is an "earnest money" deposit?
A serious buyer will put down an "Earnest Money Deposit" as a show of good faith. This shows the seller that they are "earnest" in their interest to purchase the property.

What is a Purchase and Sale Agreement?
Purchase & Sale Agreement (commonly referred to as P&S) is a form that expands the Offer to Purchase in detail. It covers in specific detail, such items as mortgage contingency, condition of the property, deadlines for loan commitment and closing date, and details of any other arrangements that have been made between the parties.

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Take a Visual Tour of the Boise Area

Helpful Websites

Staging Your Home

view our other websites View our other websites
which help
promote your home during
the selling process.

GENERAL REAL ESTATE INFORMATION
The Escrow Closing Process, Title Insurance, HUD-1 Form Explained, Your Settement Costs.

Learn about your home inspection, take a vistual home inspection tour.

Learn about radon in your home, Citizens Guide to Radon.

Lead issues, Reducing Lead when remodeling your home, Lead paint disclosure form, Protect your family from lead in your home.

Dealing with asbestos.

Idaho Real Estate Representation, how are you represented in a Idaho real estate transaction.

Dealing with underground storage tanks.

Moving in town or relocation to a new city is never easy. Here are some articles that may make this move a little easier. Six to Eight Weeks Before Moving Day, Packing Your Stuff, Ten Most Forgottten Items, Moving with Kids, Moving with Pets, & After the Move.

Let Denise show you how making a good first impression, is the key to selling your home. ( before & after )

Find A New Home Using a Map

*As a member of the Intermountain MLS Service we can show you just about any home in the area.* *Call me or e-mail for your personal showing of any of these homes.*

Many real estate agents leave all the financing up to the lender. We believe the real estate agent and the consumer/borrower should understand the lending process and the loan programs available. We have provided the following areas for you to explore and research about real estate financing, VA loans, FHA loans, Conventional loans, Idaho Housing & Financing Association.

Other areas you might like to research is Mortgage Underwriters, Fair Housing, Cleaning up your credit, and Private Mortgage Insurance.

Calculators

Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.

Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

Required


Term In Years:

Interest Rate:		%

Cost of Home:	$

Down Payment:	$

Annual Insurance:	$
Estimate Insurance to 0.43%of Cost

Annual Property Tax:	$
Estimate Tax to 1.2%of Cost

Monthly Income:	$

Monthly Debt:	$

Optional

Gross Debt Service Ratio (GDS):
Total Debt Service Ratio (TDS):
Condos Fees:	$

Results

Receive this Detailed Analysis

Mortgage

Qualification

Affordability

Rent vs Buy

Your Monthly Payments

Loan Amount:
Loan Insurance ( %):
Total Loan(Mortgage) Amount:

Principal & Interest:
Homeowners Insurance:
Property Taxes:
Condo Fees:
Monthly Loan Insurance (%):
Total Monthly Payment: