Deb and Tom Nicholls
Deb and Tom Nicholls
2024-04-16
Kara, Gracie and Becky were great to work with during our home search. It was a long process and they were both patient and gracious with us from beginning to end. If you are in the market to purchase or sell your home, we would highly recommend City of Trees Real Estate.
Louis Spiker
Louis Spiker
2024-04-14
We recently had the pleasure of working with Renee Faught as my realtor, and I cannot praise her enough for the outstanding service she provided throughout the entire home-buying process. Renee took the time to understand our needs and preferences truly, and she was dedicated to finding us the perfect home that checked off all the boxes on our wishlist. Her attention to detail and expertise in the real estate market were invaluable in helping us navigate through the various listings and make informed decisions. What truly sets Renee apart is her exceptional communication skills and responsiveness. She was always available to answer any questions, provide updates on new listings, and guide us through each step of the home-buying process. Her proactive approach and willingness to go above and beyond for her clients made the entire experience seamless and stress-free. Thanks to Renee's expertise and guidance, we found the perfect home that exceeded our expectations. I cannot recommend Renee highly enough to anyone in search of a dedicated, reliable, and knowledgeable realtor. If you're looking for a real estate professional who truly cares about finding you the perfect home, look no further than Renee. Thank you, Renee, for helping us find our dream home!
LeeAnn Rossi
LeeAnn Rossi
2024-04-10
Tara and her team did an outstanding job helping us Selling our home!
Dennis Lanham
Dennis Lanham
2024-04-04
very easy and very professional.
Dan Zimmerman
Dan Zimmerman
2024-04-02
Francesca is an absolute pleasure to work with. She is knowledgeable and professional. Highly recommend using Francesca if you are in need of real estate services.
Meghan Yenney
Meghan Yenney
2024-04-02
Thank you to Victoria and team for helping us through buying our new home and selling our previous home! Our experience was great and so much less stressful because of them. Highly recommend!
Teena Nash
Teena Nash
2024-03-21
I can't say enough good about working with Lucas O'Neill. He is very knowledgeable and professional in his work with my elderly parent. He soldiered through a very difficult transaction with two clients that couldn't coordinate, had a rocky divorce sale, court orders, difficult title company to work with and yet he remained positive through the entire experience. I'm impressed with his ability to problem solve with all the issues we had between the two clients, two attorneys, and the inspections and repairs. The one client was really difficult to coordinate with, wouldn't provide keys or use a lockbox, locked the inspector out and yet Lucas was so good about dealing with all the crazy that was going on and still making the sale go through on the closing date. I really don't know any other agent that would have stuck around to finish the deal, and through the holidays to boot. Lucas is a keeper, and just such a good solid guy! Bravo for a job well done!
Blake Mckernan
Blake Mckernan
2024-03-19
City of Trees Real Estate has an amazing team that made our big move painless and easy! They were all very responsive on top of each step and very informative when needed. Cant thank them enough for getting us into our dream home!
Blakely Frechette
Blakely Frechette
2024-03-18
Francesca exceeded my expectations as a real estate agent. From the moment I expressed interest, she was prompt in her responses and demonstrated a genuine attentiveness to my specific needs throughout the entire home buying journey. Her professionalism and dedication made the process smooth and stress-free. I wholeheartedly recommend Francesca to anyone seeking a reliable and committed agent.

Applying for a Mortgage?

By: Brent Hanson

10 Questions You Should Ask Yourself Before Applying For A Mortgage

If you are considering applying for a refinance, it is important to understand the mechanics of your mortgage loan. Before you sit down to speak with your loan officer, you should consider preparing a list of questions you feel may need to be answered.

Typically, your loan officer will be available to assist through the entire mortgage process. Here are some questions that you may need to get answers to before completing your application:

  1. What Type Of Loan Is Best For Me?

Your loan officer can discuss the various loan programs available to help you refinance. Some borrowers will benefit greatly from adjustable rate mortgages while others prefer fixed rate. However, other borrowers may find a fixed rate is the best option. Discuss various loan terms such as 30-year or 20-year mortgage loans.

  1. What Documents Are Required?

Be prepared to provide your loan officer with several documents. The most common documents include pay stubs, bank statements and tax returns. Loan officers will also need a complete list of debts including auto payments, credit card payments and student loans.

  1. What Costs Are Involved?

Prior to a loan closing you will be required to pay some costs up front. These may include appraisal fees, credit report fees and application fees. Discuss all these costs with the loan officer to determine how much money will be required prior to the loan being approved. In addition, discuss any funds that will be required to complete the loan closing.

  1. Can I Select My Own Appraiser?

When you apply for a refinance loan in Boise, lenders will require a property appraisal. Lenders typically maintain a list of approved appraisers and supply those lists to the loan officers. Typically, the loan officer will assign an appraiser to review the property. Borrowers generally have no input regarding the choice of appraisers.

  1. When Will I Get A Good Faith Estimate?

Good Faith Estimates (GFE) must be issued after you have completed your loan application. A second GFE is typically presented along with the HUD1 prior to closing. Keep in mind, the GFE is only an estimate of costs and that actual costs may be slightly higher or lower.

  1. How Long Until We Can Close Our Loan?

Loan closing times are based on a number of factors. Closing dates may be delayed if there are missing documents or other underwriting delays. Speak with the loan officer to get an estimate on the time from application to closing.

  1. What Possible Delays May I Face In Closing?

There are a number of delays that often cannot be avoided. However, some can be avoided by making sure you provide your loan officer with all the documents they request in a timely manner. In some cases, there may be a delay in getting the appraisal completed or for title searches. Your loan officer can discuss other reasons why a delay may occur.

  1. Do I Need An Attorney For Closing?

When you are ready to close your loan, you are welcome to have an attorney representing you. Generally, there will be an attorney present at the closing however, they are there to represent the lender. If you feel more comfortable having an attorney present, discuss this with your loan officer to ensure the attorney receives the date, time and location of closing.

  1. Should I Lock In My Interest Rate?

Before locking in a rate, make sure it is important to understand there may be fees associated with an interest rate lock. Bear in mind, should rates decline during the period between application and closing you will not be able to take advantage of those lower rates.

  1. When Will I Get A HUD1 Statement?

As a borrower, you are entitled to review their HUD1 statement prior to closing. Your loan officer should make arrangements with you to provide the statement one or two days prior to closing for your review. This will give you an opportunity to review loan terms, interest rate and costs of the loan.

Never hesitate to ask your loan officer any questions you may have. The more questions you have addressed during the application process, the less likely you will be to be confused at the time of your mortgage closing. Keep in mind, your loan officer is there to answer your questions and guide you through the entire loan process.

 

If you want to start searching for your dream home click this link: Boise Real Estate