Posts from November 2019
25
6 Signs You're Ready to Buy a Home
Homeownership is an important financial goal for many Americans. Although renting provides flexibility, there's nothing quite like owning a home. You can call your own. So how do you know when the time is right to start looking at Boise homes for sale? Our REALTORS® share some important factors to consider before you dive into buying a home.
- Your credit is in good shape.
Getting your debt and finances in shape before applying for a mortgage is vital. The higher your credit score, the easier it will be to get a mortgage with a low-interest rate. If your credit score is low, you may not qualify for a loan at all. Lenders also look at your debt-to-income ratio, or DTI, which involves adding up all monthly debts then dividing them by your gross monthly income. The lower your DTI ratio, the better. - You've saved enough for a down payment.
There are plenty of home loan programs that require much less than the traditional 20 percent down. Some FHA loans require just 3.5 percent down, and government loans such as those guaranteed by the US Department of Veteran's affairs require no down payment. Shop around and look for loan programs to see which one will best fit your needs. Make sure you also have enough set aside for closing costs.
11
5 Boise Bakeries for Your Holiday Pies
It's almost time to celebrate the holidays once again around Boise, and what could be better than enjoying a sweet, seasonal treat during this special time of year? Whether you're looking to indulge a little for the season or you want the perfect pie to bring to your next holiday party, Boise has a bakery that's sure to please. The city is home to both classic, mom-and-pop bakeries, and artisanal spots serving flavors from around the world. Our REALTORS® have the details on local bakeries in the area where you can pick up your holiday pies this year.
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Wildflour Bakery – 304 E 42nd St., Garden City, ID 83714
Garden City homes for sale make it easy to visit Wildflour Bakery, which serves some of the best cookies in Idaho and so much more. Everything at Wildflour Bakery is made by hand, in small batches, by a small team of bakers who truly love what they do. Stop by to pick up all of your pies for the holiday season, and get to know the team. The Garden City location also features an espresso bar, perfect for grabbing a burst of energy while you're busy stocking up for the season.