Homes in Boise Idaho
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Homes in Boise - By Price Range
|All Listings||Under $100,000||$100,000 - $200,000|
|$200,000 - $300,000||$300,000 - $400,000||$400,000 - $500,000|
|$500,000 - $600,000||$600,000 - $700,000||$700,000 - $800,000|
|$800,000 - $900,000||$900,000 - $1,000,000||Over $1,000,000|
Homes in Boise - By Price Range
Homes in Boise Idaho - From Starting Your Search to Closing
Whether you’re relocating for a job or simply making a local move as you explore homes in Boise, Idaho, it’s important to know what to expect in the home buying process. Here are three items to help you demystify the process.
#1 - Closing time: Points versus Interest
Prior to closing, you will most likely have a chance to choose between paying additional “points” in exchange for a lower interest rate. These points are a certain amount of interest that would have accrued over the life of the loan. If you intend to live in your new Boise home for five years (at a minimum — ten is best), you may want to choose the points. Doing it this way can save you more money over the life of the loan (via the lowered interest rate).
#2 - Get Pre-approval
Of course, before you even begin to think about closing time (although you should plan ahead), you will need to find out if you can qualify for a loan in the first place. Ensure your credit has been fixed as much as possible, and start applying for pre-qualification on home loans. Pre-approval can help ensure that you’re able to secure a home that you want — rather than making an offer, and finding out you don’t qualify for the amount that you offered. Save time and save face by getting pre-approval. This way, you’ll know exactly how much home you can have. Additional note: Just because you get pre-approved for a loan amount doesn’t mean you can necessarily afford that amount. Make sure you check into your finances to make sure the numbers make sense for your financial situation. If you are interested in pursuing Boise foreclosure homes a pre-approval letter will be required before most lenders will consider your offer.
#3 - Research First, Offer Second
Even if you have a buyer’s agent, make sure that he or she is helping you research on the home you’re interested in purchasing. Bidding on a home can be a tricky process — you don’t want to bid too high, and lose out on getting a good deal, but you don’t want to bid too low, and risk insulting the seller to the point where they won’t do business with you. The best way to go about making a good first offer is by researching at what price point of what comparable homes are being offered. For example, if similar properties are selling at 3 percent below asking price, your first offer would most likely be around 5-6 percent lower than the asking price. As homes and properties in Boisehave more demand than supply right now, many offers need to actually go over full price to have any chance against multiple competing offers.
No matter where you’re at in the buying process — whether you’re a first time buyer just looking at homes in Boise, Idaho, or an experienced buyer relocating to the area — follow these three tips to ensure an easier home-buying process.
IDX information is provided exclusively for consumers' personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. IMLS does not assume any liability for missing or inaccurate data. Information provided by IMLS is deemed reliable but not guaranteed.
Listing information last updated on December 3rd, 2021 at 12:15am MST.