So, you gave her the RING.... but now.. WHAT ABOUT THE HOUSE??

Congrats to all you Boise, ID love birds that are either just getting engaged today, or are renewing your love for one another on this Valentines Day! .....BUT....

If you did just get engaged, what are you plans for once the two of you move in together?  Or maybe you already live together and will be combining your finances for the first time.... Where are you planning on starting out this new journy together?? Renting...or Buying???

I bet that RING you just bought wasn't cheap, and probably was the majority if not all of your tax return.  So now if you even wanted to think about putting a down payment down, you're going to have to wait at least 6-8 months to save up right....??????

NOPE!! There are actually quite a few options depending on your credit score and the location where you are wanting to buy, that you can actually get 100% financing (aka $0 down) and walk into a brand new home with nothing out of pocket!

But why buy just starting out? Why not!! In our local market in Boise, rental vacancies are extremely low, meaning it is hard to find something nice that is going to be pushing $1,000 dollars a month.(and that's just an apartment!)

However, with the interest rates still below 4% on 30 year fixed loans... you can easily be living in a very nice home, that is YOURS, that you are putting money away on to build equity and have a mortage closer to $800 or $850! If you don't believe me, just give me a call! 208-631-8775.

Or better yet, register on my website to start looking at homes now! www.jeff.househuntersofidaho.com

So once again, congrats on the new steps you are about to take!! And although like the oldie song by the Beatles says, " Can't buy me love"... if you are wise and don't though it away early on in your new relationship, you may just end up having more of it at the end!   Com Muito Amor Jeff

2days 2 cents: What are you doing to show your clients they are of value!!!

2days 2 cents

“ Let us endeavor so to live that when we come to die even the undertaker will be sorry. ”
Mark Twain (1835–1910)
American writer
Do your prospects and customers know
they're important to you?

Sales thanks...

Do your people (customers, prospects, team, colleagues) know they're important to you? Always? Sometimes? Rarely?

Remember... It's your occasional words and continual actions that'll help them know best.

To be sure it's a closer to always thing, consider implementing a personal appreciation audit each month or quarter for your most important people - remembering that actions speak louder than words (but words are important too).

Sales thanks...

Do your people (customers, prospects, team, colleagues) know they're important to you? Always? Sometimes? Rarely?

Remember... It's your occasional words and continual actions that'll help them know best.

To be sure it's a closer to always thing, consider implementing a personal appreciation audit each month or quarter for your most important people - remembering that actions speak louder than words (but words are important too).

Boise finds itself in the "TOP 20" again!!!

And no! It's not the Football! Team!!!

Boise was rated 18 of the top 20 Healthiest Housing Markets for 2011!!! Check out the evidence for yourself!!

Boise is #18!

With a 109% projected increase for building permits for the year, with CBH Homes leading the way,
2011 is shaping up to be a year in which if you are currently a fence sitter, you might want to "JUMP OFF" before you're left with a sliver in your bum!!! (Unless of course it's a Vinyl fence...haha... "building humor")

You think that sign is silly don't you!!! Who would be crazy enough to sit on "that fence"...... what I'm telling you is I'm asking you the same question! 

2011 is the year! Call me and I'll help you through it! 208-631-8775

Don't throw your TAX RETURN AWAY! Invest it in your NEW HOME!

BELIVE ME! I know the feeling of having that fat IRS check burn in your pocket! CARS, TV's, NEW FURNITURE, ETC ETC, so many things you could do with it! However........

NONE of those will ever give you a return on investment! (now, for all you "naysayers" I know a home is not always 100 percent on this) But I'm willing to bet on it over any of the other options any day!

RENTERS! PAY ATTENTION HERE! Most don't realize that with a traditional FHA loan (most common loan on homes) that you ONLY NEED 3.5 % down payment! And with the average american getting around $3,200 back from the IRS, (and the average 3.5% down payment for a single family home being $2,000- $5,000) AND the majority of sellers paying ALL closing cost fees, it would be very possible to get into a NEW HOME and finally kick your landlord to the curb! (Not to mention all the other tax benefits that come as being a home owner).

PLEASE, check out my friend, Terry Heffner's blog (Guild Mortage), and for more information on this!

Terry Heffner's Blog

WHY SPEND YOUR TAX RETURN ONCE!? Make that money work for you, invest! And enjoy being a Home Owner!!!

BOISE HOMES: Interest Rates take dip...BUT NOT FOR LONG!

Attention Homebuyers! Interest rates just dropped again ever so slightly! And now would be the time to take advantage of those rates! According to mortgage expert Terry Heffner with Guild Mortgage, interest rates are only going to trend upward through out 2011. See his video below for a better explanation.

AGENTS: Your clients need to know about this information!

Currently on a $100,000 loan the monthly Mortgage Insurance is $75.00
Beginning April 18th, $100,000 loan amount, the monthly MI will be $95.78, or a increase of $20.78/$100,000.
Pass it along to any homebuyers sitting on the fence post, although home prices are going down, interest rates and NOW MI rates are going up.See this link below for more info.

HUD Link

Also, let your buyers know that if they wait for prices to fall, and rates do increase then they in the end would lose! See graph below:

15 sales days left this month, 38 left this quarter Saturday, February 5

“ I attribute my success to this:
I never gave or took an excuse. ”
Florence Nightingale (1820–1910)
English pioneer of modern nursing

Sales reminder...

Objections are a requirement to a successful sales day.

It means you're engaging your prospects and customers and helps you

move the sales process along (or end the process with an unqualified prospect).

All along, make sure you're qualifying continually!
__________

If you've not seen it or need a reminder, 1 minute from Nike...

DON’T MAKE EXCUSES!

EXCUSE VIDEO

500 bones to roll with!!

There is a pretty good chance that if you are reading this blog that you yourself live in a CBH Home! Or you know someone that does. CBH is by far the largest builder in the State of Idaho, so it's not that unlikely!

BUT!!!! Here is what you probably did not know! If you reside in a CBH Home and refer ANY (or all :) of your friends to buy a new CBH Home, you will get "$500 big ones", "$500 Benjamins", "$500 ways to make it rain", "$500 bones to roll with"!!!!!

So if you know anyone looking, send him my way.......and then invite me to the after party!

Click to start your CASH PROJECT

OPEN HOUSE PARTY!!!! Boise New Construction!! CBH Homes (Bridgeview)

I am hosting an open house today 1/28/2011 from noon till 5:30 at 8300 Grubstake Ave. Boise, ID. I will be desplaying and showing homes in our Bridgeview Community!

Brideview is just off of Amity and Cole, and minutes from the freeway! And i have brand new homes starting in at $108k! And that is 1413 sq ft.!!! 

Please feel free to call me as well for more information!!!

Map: 
Location of OPEN HOUSE!