Debbie Holmes

The Boise real estate market is doing better then most of the country. Sure houses have been sitting on the market longer than used to but we haven't had a dramatic price drop. Still we have deals here if you qualify for a mortgage. Here is a secret 90% of the people still qualify. It's only the ones with real credit issues that can't qualify. We have more foreclosures but its not like other places.

Right now the prices are soft and there are bargains to be had. I think they will rise when this mortgage mess is cleaned up. I can find a buyer a wonderful home below market value. If you want a home and qualify for the mortgage it is a great time to buy here in Boise, Idaho.

This house is priced at $199,990

This house in near Boise in Caldwell priced $175,000

This condo is $144,900

After a week of sunny sort of warmish weather it is raining.

Rain is really good since we live in an arid climate. What is even better is that I am not running an open house in the rain today!!! Today is National History Day and my son, Joshua, is completing. Therefore, I took the day off. This afternoon I will probably try to call some clients. They might even be home because it is raining. I like showing houses in the rain. You can see if they leak.

Boise is a great place to live!!! Come check us out!!!!! The Boise real estate market is picking up!!!

Boise in the Summer!!!

Should I buy a house in this market? Treasure Valley in Idaho (edit/delete)

Debbie and my youngest son after a chess tournament

Every where I go people ask me:

1. How is the housing market?
2. Can I sell my home?
3. Are we at the bottom of the market?
4. When should I buy and/or sell my house?
5. I'm upside down in my house. What do I do?
6. Where do I go for help?
7. Should I rent?
8. Can I get a loan?
9. Can I get a good deal on a home?
10. What is a short sale?
11. What is a bank owned property?
12. Should I buy at a foreclosure auction?
13. Why should I hire a real estate agent anyway?

Debbie before she became a real estate agent.....

I am not a fortune teller and I have no crystal ball:

1. If you must sell and you bought your house before 2006 you will still make a profit!!!!!!!
2. It you have good credit or cash this is a great time to buy!!!!!!!!!!!!
3. A good loan officer is essential!!!!!!
4. A good real estate agent (like me) if also essential.
5. If you are dealing with builders you still want I buyers agent (the seller pays and you are represented by your own negotiator not the builders).
6. If you are upside down or your interest rate have adjusted too high I can help negotiate with the banks.
7. Buying a home at a foreclosure auction is risky and requires a full payment in cashiers check the day of auction.
   
8. It is safer to buy a pre-foreclosure home or a bank owned property (REO)
9. Even if you owe more then your house is worth you do not always have to bring money to closing.
10. I believe that we are at the bottom of the market unless the government or lenders screw us up.
11. This is a good time to move up in houses. I would sell my home first then buy the new one. (unless I wanted to be a landlord). You might not get top dollar on your current home but you will get an even better deal on the larger home.

So be cautious but buy now or sell if you need to a home in the treasure valley call me...... or just click on one of the buttons below. I am so proud of myself. I just figured out how to link using buttons yesterday. Maybe I can perfect them

Specializing in the Boise real estate market, also serving Ada and Canyon Counties....

Debbie, 208-761-2551

Here are some pictures of Beautiful Idaho!!!!! Our austere natural beauty, rugged mountains, great cities, and culture are only some of the reasons to live here!!!!!

Beautiful downtown Boise

the Boise river Great skiing

Boise State University our blue football field

The Greenbelt

It happened. At least we signed. The house that was supposed to close on January 30 finally closed today. My seller disappeared the second I got the time from title. I found her 20 minutes before closing. When we got there she told me she forgot to pick up her husband. It is supposed to fund tomorrow. This has been very aggravating and we have 9 addendum's on the contract due to the delay in funding. Sometimes one wishes for a day job. So that is at least one sold on the Boise real estate market.

sold!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

This one is gone but I have others:

I had one of the best open houses ever. My partner and I had the house shining. What a difference 18 days of 4 people working plus new carpet, vinyl and paint. Before we bought it people would come in and be overwhelmed about the amount of work that was needed on the house. Today everyone loved it. I must of had 10 couples go through it. The first lady wanted to buy it, She asked me if we could do I contract tonight. I said sure but I thought her husband ought to see the house first. I also want her to see a loan officer, Dona Jeka first too. She will talk to her loan officer tomorrow. I hope she buys it , she really loves the home. I am so proud of the job we did getting the house ready. I think we spent about $6k on everything including labor. My stepmother bet us lunch that we wouldn't be ready. She admitted she owes us lunch......

Here are some of the pictures....

This should be the toast of the Caldwell real estate market!!!!

Thank you everybody who gave me suggestions on how to rehab the house. I used a lot of them. Look further down in my blog for before pictures.