Idaho

I get asked more questions about credit than I do about interest rates. Many times its from someone with a credit issue or perceived credit issue and they're looking for reassurance about their credit.

The FHA Mortgage program doesn't have a minimum credit score, instead it looks at the credit history as a whole. The biggest one is that a borrower must have a clean credit history for the last 12 months. That means anyone with a 30 day late payment on their credit report is ineligible. Also, FHA Mortgages have a 2 year waiting period after a bankruptcy discharge.

Now the lack of a minimum credit score doesn't stop the individual banks and lenders from having their own requirements on top of FHA Mortgageguidelines. Right now, most lenders and banks are requiring a 620 minimum fico score. They are also requiring that the borrower have a minimum established number of credit lines, usually 3 to 5. This can be a problem for the first time home buyer or someone who doesn't use a lot of credit.

In my next post, I'll go into detail about how one can overcome a skinny credit profile and get approved for one of my Idaho FHA Mortgages.

For the 17th year, Idaho Falls, Idaho is the place to be on July 4th for one of the most amazing fireworks displays in the nation. Hosted by Melalueca, the "Freedom Celebraton" culminates in the largest fireworks display west of the Mississippi.

This article ranks the Idaho Falls fireworks display #17, right after Disney World's "Celebrate America." And this reviewer gives Idaho Falls the distinction of being #2 in the nation, only behind Philadelphia.

More than 100,000 visitors flock to Idaho Falls from all over the state and across the nation to view this spectacular display. And while parking can be a problem, the show -- which typically lasts about 1/2 hour and is coreographed to popular and patriotic music -- is worth the trouble.

So come to Idaho Falls, a great city and a great place to celebrate our nation's independence! You won't be disappointed, and you may decide to stay awhile ... or perhaps even a lifetime.

Big news of the day: DEA joins the Micheal Jackson death investigation.

Oh yeah, here is some other apparently less important news: 467,000 jobs were cut in June. The jobless rate now stands at 9.5%. US Marines are involved in a brand new offensive in Afganistan. North Korea test fired 4 short range missiles. The State of California is broke and will issue IOU's in place of money.

Sometimes I must wonder where we are as a country. I know that this is nothing new. Our media tends to focus on topics that it can ride for weeks rather than what is important. The powers that be in the media like to tell us that they only print what we want to read about or see more of. The scary thing to me is that is probably true.

We have all seen the results of the radio station that did the on air survey last November. The DJ's called C-stores and other various establishments and gave the workers a quick quiz. A huge majority of the respondants who were voting for candidate Obama had no clue about basic geography or who was in charge of our country or their state. Truly scary.

Any of us who watch TV ( I do not), know what type of programing is currently available to us. I once tried out for Jeopardy. I studied for weeks to get ready for the trials. The questions were tough and rigourous. Watch the same show now. It is beyond the dumbing down of America. The questions are much simpler in nature than they used to be. I have read that even Alex Trebek is frustrated. Beyond Jeopardy, we have shows that are basically degenerate. Everything has to keep moving quickly in the show because or the viewers will become bored. There is no thinking allowed. Everything must be spoon fed to us in order to keep us watching. Is this who we are or who the media wants us to be?

I truly believe that we a nation are getting dumber. Instead of the 3R's, kids are taught that if they do not recycle a can, they are a criminal. Instead of learning the Presidents in order, kids are taught about how to use a condom and have safe sex.

It is no wonder that everyone seems to be concerned with Michael Jackson. All of the other news of the day requires thinking. As a country, we seem to be doing less of that.

If you’re planning on celebrating the 4th of July in the Boise area this year, you really ought to get out to see some of the Firework shows happening across the valley. Of course you can’t see them all, but I’ve compiled a list of times and places where you can not only see the fireworks displays, but take part in some family fun activities as well.

Boise Fireworks Show

Again this year, the Boise 4th of July Fireworks Show will be held in Ann Morrison Park at dusk following some activities taking place throughout the day.

Parking in the area can be a bit rough, so, if you don’t want to hoof it far, get there early and plan on leaving late after the crowds clear out.

Meridian Fireworks Show

The City of Meridian will be having a 4th of July Celebration at Storey Park in Meridian starting at 1:00pm. There will be live music all day, a climbing wall and inflatables for the kids.

At 9:00pm, there will be a “Safe and Sane” fireworks show for the kids then, there will be a larger professional fireworks show launching at Meridian Speedway.

Nampa Fireworks Show

Even with an overall higher property tax rate in Nampa, they can’t seem to put together a fireworks show for its community and a recent phone call to the city of Nampa led me to the God and Country Festival which is actually tonight at the Idaho Center in Nampa.

The fireworks show happens on July 1st following an evening of live music and celebration honoring the U.S. Military. For more information, visit their site.

McCall Fireworks Show

If you are going to be in Vally County this weekend, you’ll be able to catch a McCall Fireworks show at dusk on the 4th of July.

The McCall Chamber of Commerce is also sponsoring a number of events in Downtown McCall. For more information visit their site.

Do you know of any other Fireworks Shows in the Boise area?

Post a comment and let us know!

Read this from the source! 4th Of July: Fireworks Shows In Boise

A magical Garden Valley Idaho Evening Sky.

There are few words that need to be written to accompany the set of pictures in this blog. I got to experiance one of the magical Garden Valley, Idaho sunsets from a home I have listed for sale the other night. My Sellers invited me to a magnificent dinner of fresh salmon cooked on a cedar plank. It was served over a bed of fresh greens and papaya. As wonderful as the dinner was....... it was topped by the view from this magical cabin and the gorgeous Garden Valley Evening sky!

Dawn
Associate Broker. E-Pro
Garden Valley Real Estate as 43 Degrees North Real Estate
Dawn@GardenValleyRealEstate.info
www.GardenValleyRealEstate.info
(208) 861-0734