Connecting those who have Served with Experts for a smooth & successful Real Estate experience.
North Idaho Home Advantage
Home Advantage is a program to connect you with resources and options to provide a smooth process to home ownership. We will provide you honest straight forward interest to help you make the best choices for your and your family.
Yes - You have options.
Yes - There are several options for 100% financing or low down payment solutions.
Yes - We are Local.
Yes - We are Experienced & Full Time.
Yes - We can Help You.
Guiding You through the Process
Meet with a real estate professional Discuss the type of home you're looking for, including style, price, and location.
The Buyer's Advantage As the home buyer, your agent's commission is paid by the seller of the home in almost all circumstances. This means your representation costs you nothing!
Get Pre-Approved You will need pay stubs, W2s, and bank statements. Knowing what you can afford is critical to a successful home shopping experience.
Search for Homes The fun part! Your agent will schedule showings and help you find the perfect home.
Advanced Search Not all real estate websites are the same. Your real estate professional has tools and systems to ensure you see every available home that meets your criteria.
Make an Offer Your agent will prepare your offer based on the price and terms you choose.
Negotiation and Contract It may take a few tries to get it just right, but hang in there. You're on your way!
The Contract In most cases the contract provides you with a timeline to obtain financing as well as time to inspect the physical condition of the home. Your real estate professional will inform you of all your rights and responsibilities related to the contract.
Under Contract or In Escrow You and the seller have agreed to the price and terms. The home is effectively held for you until closing.
Final Details Perform due diligence, order the appraisal, conduct an inspection, and review terms with the lender.
Preparing for Closing You will be finalizing your loan, reviewing documents, and discussing the findings from the inspection. Your agent will manage this entire process for you.
Closing This is the transfer of funds and ownership. A title company or an attorney typically acts as an independent third party to facilitate the closing.
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100 % Financing
There are multiple ways to get 100% financing and even 99.9% financing. From VA loans to USDA loans to FHA with down payment assistance we can assist you with getting grants for the down payment, or even getting funds in the form of a second loan so that you do not have to come up with money to put down on purchasing your new home.
National Guard or Reserve Members you are eligible for a VA Loan after serving 6 years or have been on deployment.
We are here to answer your questions and to help you throughout the process. Every buyer has a unique set of needs and criteria, we can discuss with you the pros and cons of each program or product to help find the best fit for you and your family.
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Secrets for Success
Lay the Groundwork Collect financial documents, such as bank statements, tax returns, pay stubs, etc. and avoid big purchases until you've met with a mortgage professional. Adding to your monthly payments can affect your ability to get a loan. If you can, start saving as early as possible to ensure you have adequate funds for a down payment and moving expenses. These steps will make your loan application process easier and you'll be able to start house shopping right away.
Work with an agent An agent will guide you through the process and make sure you are informed every step of the way. In almost all circumstances, the seller pays the real estate commission for both their own agent and the buyer's agent. This means you get to reap the benefits of working with an agent for no out-of-pocket expense. Whether it's finding the best mortgage broker or helping you negotiate through a multiple offer situation, your agent will be there to help you succeed.
Communicate Effectively Ask questions. If something in your contract seems confusing, ask about it before you sign. You don't want to have questions after you've committed. Pick a communication method since there will be a lot of back and forth between you and the team. Finally, be direct with your team and don't hesitate to speak up if you don't like something.
Be patient, persistent, and decisive Buying a home is an important decision. You have to balance patience with your ability to be decisive when you find the right home. Depending on market conditions, your first offer may not get accepted but be persistent. Trust your intuition when you've found the right house and go for it!
Be Flexible Remember, you can always update your home, the neighborhood may change in a few years, or you may decide to move again, so this might not be your final home. Besides your financial capabilities, almost everything else is beyond your control so be flexible with the process.
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