Megan  Schomer
Megan Schomer - Boise Real Estate "Your Idaho Home Agent"


Your Team

 

Your Agent
A successful purchase starts with the right representative. In fact, once you’ve selected the best agent to represent you, it is likely that he or she can recommend other professionals to join your team, taking more of the responsibility off of your shoulders.

Lender (Appraiser)
A bank is not just a bank. Having the right backer can be extremely important – it is your money we’re talking about after all! Make sure that your lender and financial representative is someone with whom you feel comfortable, and be wary of any lender who promises you more than you think you can reasonably afford. Your lenders may or may not require an independent appraisal, and typically will make arrangements for the appraisal themselves.

Lawyer
Your home purchase is far too important a transaction to skimp on legal representation at the risk of leaving yourself open to costly future issues. Find a lawyer who is willing to take the time to answer your questions and who specializes in real estate law.

Home Inspector
No home inspection is 100% guaranteed, but a few hundred dollars to catch a major problem now is certainly better than many thousands to correct that ‘surprise’ down the road. Ask your agent for a recommendation.

Contractor
Planning some renovations? You’re not the only one! The home renovation industry is booming, and in some markets, booking a contractor must be done months in advance (that’s a long time to go without a kitchen). Don’t let finding the right contractor slip through the cracks – planning ahead will almost certainly make your renovation smoother, and you contractor will appreciate the advance notice.


Your Plan

 

1.  Find the right representative

Even if you’re not quite ready to buy, your buyer’s agent can be an absolute wealth of information, and can often offer ‘scoops’ on local developments you might not have know about otherwise.  Speak to your agent first and he or she can be helping to guide you right from the start.

2.  Find out what your price range is

Online mortgage calculators are a good place to start, but as you get closer to being ready to buy, there is no substitute for a written mortgage pre-approval.  Just speaking to your lender is an extremely worthwhile venture – this is the only way to really get an in-depth picture of your overall financial picture and to discover exactly what you can reasonably afford to spend on a home (and possibly on renovating).

3.  Find out what your local market looks like

The internet can be incredibly valuable in doing preparatory research.  Start with your agent – he or she can direct you to valuable resources and immediately start e-mailing you real estate listings that may interest you (or at least give you a better idea of what your needs and wants are).

4.  Find out what your true needs and wants are

Compose a needs/wants list that takes into consideration your local market conditions, your price range, and the advice of your real estate agent.

5.  Find your dream home!

Once you’re ready to act, you may be surprised by how quickly you can make a decision.  Armed with your pre-approval, a little market knowledge, and your needs/wants list, call your real estate agent, hit the pavement, and when you see ‘the house’, put in an offer. 

With the right team behind you, it really can be that easy!


Your Calculator


Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.

Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

 
Required
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $
Annual Insurance:  $
0.43%of Cost
Annual Property Tax:  $
1.2%of Cost
Monthly Income:  $
Monthly Debt:  $
        
Optional
Gross Debt Service Ratio (GDS): 
Total Debt Service Ratio (TDS): 
Condos Fees:  $

Results
  Receive this Detailed Analysis


Mortgage   Qualification   Affordability   Rent vs Buy    

Your Monthly Payments
 
Loan Amount:    
Loan Insurance ( %):
Total Loan(Mortgage) Amount:
 
Principal & Interest:    
Homeowners Insurance:    
Property Taxes:    
Condo Fees:    
Monthly Loan Insurance (%):    
Total Monthly Payment:    
 



Your Real Estate News


Yahoo! News Search Results for real estate
American Real Estate Withdraws Note Offer (AP via Yahoo! Finance)10/18/2006 4:44 PM
American Real Estate Partners LP, whose holdings include condominiums, hotels and golf courses, said Wednesday a subsidiary withdrew its previously announced offering of $250 million in senior floating rate notes.
Briefing - Asia Real Estate - Oct 19, 2006 (Asia Pulse via Yahoo! Asia News)10/18/2006 11:23 PM
An executive briefing on real estate for Oct 19, 2006, prepared by Asia Pulse (http://www.asiapulse.com), the real-time, Asia-based wire with exclusive news, commercial intelligence and business opportunities.
David Hendricks: San Antonio firm rides Mexico's commercial real estate boom (San Antonio Express News)10/18/2006 8:52 PM
FAS Construction Management did not offer its services in Mexico until a New York client needed the firm's services there. Now, FAS receives 40 percent of its revenues from its Mexico activities as foreign investors flood Mexico with real estate investments.
Stark offers transfer of real estate online (The Times-Reporter)10/19/2006 1:29 AM
CANTON – The Stark County auditor’s and recorder’s offices jointly announced a plan to allow electronic filing for real estate transfers. Stark County is the first county in the state to have e-filing of such transactions, according to a press release.
• Future of Miami Real Estate Market Trend (Turks.US)10/19/2006 2:45 AM
The city of Miami lushes with activity as it has been considered a future, albeit hot version of, Manhattan. Currently, Miami is an attractive venue for buyers to take advantage in, due to a high inventory of properties—Miami Real Estate properties for sale are increasing faster than those sold.
REAL ESTATE FOR RENT (Kathimerini)10/19/2006 2:03 AM
FURNISHED: Kolonaki, renovated penthouse, 120 sq.m., 2 bedrooms, 2 bathrooms, spectacular view of Athens-Acropolis; Lycabettus, modern, new maisonette, 140 sq.m., 2 bedrooms, 2 bathrooms, jacuzzi, garage; Pangrati, 70 sq.m., super modern, 1 bedroom, a/c. HELEN'S REAL ESTATE, 210.77.96.536, 6932.439.170, helens@ hol. gr.
For Real Estate Deal Maker, a Residential Venture (New York Times)10/17/2006 8:45 PM
He controls 77 million square feet of real estate around the world. He is developing Yankee Stadium for George Steinbrenner. He is a vice chairman of the Museum of Modern Art. But one thing Jerry I. Speyer is not known for, at least in New York City, is running apartment buildings.
Zlinsky region sees biggest real estate price hike in nine months (Prague Daily Monitor)10/19/2006 12:32 AM
Prague, Oct 18 (CTK) - Czech real estate prices have increased by an average 6 percent in the past nine months, according to AAAbyty.cz, one of the biggest real estate agents in the Czech Republic.
International Real Estate's First ETF (SeekingAlpha via Yahoo! Finance)10/18/2006 5:25 AM
Eli Hoffmann submits: Excerpt from our Wall Street Breakfast, a one-page summary of this morning's key market-moving and stock-moving stories: International Real Estate Gets Its Very Own ETF [Wall Street Journal ] Summary: State Street Corp.'s State Street Global Advisors recently filed with the Securities and Exchange Commission to launch an exchange-traded fund based on real-estate securities
U.S. commercial real-estate peak seen: report (People's Daily)10/18/2006 7:38 PM
The U.S. commercial real-estate cycle appears to have reached its peak and will begin pulling back in 2007, according to a new survey of industry executives, The Wall Street Journal reported Wednesday.



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