Many Boise homeowners today are feeling the pinch of a recession and a housing market that has not bounced back in most areas. For many such homeowners the difficulty of the situation is only made worse by the fact that they may be in default to the bank and sometimes owe more money on their mortgage loan than the home is worth. In such situations, a Boise short sale may be an option to consider if you need to sell your home fast. A short sale is a type of transaction that allows you to sell your home for less than the amount that you owe on the mortgage. In this case the lender may accept the sales amount as payment in full for the mortgage. If the lender agrees to the sale, you usually will not be held liable for the difference or deficiency between the sales amount and the loan balance, but that is not always the case. Call 208-906-2436 today to get your questions answered and start on the road to reclaiming your life. ...read more

Our homes are one of the most important possessions in our lives. Now that you are in danger of losing your house in foreclosure in Boise, you are probably experiencing a flux of emotions with a sense of urgency to stop your family's home from being foreclosed on. Getting laid off, acquiring more than one's share of hospital bills, losing a loved one, or just allowing the bills to get carried away. It's typically not your fault!  Major things can happen to throw your carefully crafted budget off track!  It happens to the best of us and we're all human. We understand the shock and feelings of being off-balance. It brings on sleepless night upon night. The state of panic is evident, however if you are panicking-you can stop now. ...read more

Are you worried about losing your house to foreclosure?  Do you have unanswered questions about what is going on?  Do you have trouble communicating with your bank? Are you ready to throw your hands up and walk away? If you are feeling any of these things then a "short sale" might be the answer you are looking for.To successfully negotiate a short sale you need a short sale expert who understands your local Boise market.   Many houses in today's market are worth less than what is owed on the mortgage and therefore, cannot be sold in the traditional sense.  If your home is over leveraged with debt, a short sale could be a great option for you to pursue.Many real estate agents are unaccustomed to short sales. A successful short sale requires experience, systems, education, patience, negotiation skills, and most of all tireless dedication.  You will need the help of an experienced "Short Sale Expert" who understands what you are going through and who understands how to work with your bank.  Fill in the form to the right to be connected with a local Boise, Idaho "Short Sale Expert" or call 208-906-2436 today. ...read more

Avoid Foreclosure In BoiseIt's our belief that what you do from this very moment is vitally important for your financial future. In fact, once you discover that things aren't as bad as they seem (and that you may even have the upper hand), the panic will begin to subside, and you can begin to take the proper steps to stop foreclosure, save your home, or if you decide to, to sell your house fast, before the bank can reposes it.Foreclosure Is Not Your Final Option And while you are not alone and there is help, time is really of the essence here. Every day that goes by is one more day that you could get right on top of things and make out better than you think. A foreclosure can not only affect your house and your consumer credit, but it could go much DEEPER by stripping your assets, your retirement funds and much, much more. You don't want this matter to go any deeper than affecting just the state of your home ownership.Take Action Today To Stop Foreclosure That's exactly why you must take the appropriate action right now. In fact, taking action right now to save your home or to sell your home fast, and not ignoring the situation, no matter how painful it is, is actually in your best interest.  There are Solutions that CAN Be Arranged Before Foreclosure is the Final Option! * You must become properly informed as to what your options are. And I mean before ever approaching the $200/hr paid opinion of a lawyer, or other third party for advice.  * You must become aware of the scams people pull to make you believe they really want to help you with your situation. * You must know who to contact first and in what order, to find the best alternative way to solve the problem-other then foreclosure. * You must know what to do to prepare if you just can't keep the house (and you will definitely need to plan on this one well in advance). Whatever you decide to do, whether it is to stop foreclosure of your Boise home by seeking a loan modification, negotiating a short sale to sell your home fast, or working with your bank to cure your default you will find the information you need atwww.we-buy-houses-quick.com. ...read more

We buy houses quick in any condition and location in Meridian, Idaho and the surrounding areas.  Call 208-906-2436 today for a free no obligation consultation with a "Quick Sale" expert. Foreclosure Behind on Payments Upside Down Mortgage Divorce Inheritance Tired of Being a Landlord Relocating For a Job Need to Move Quickly House Needs Extensive Repair ...read more

We know that selling a home or property can be very stressful, especially when you need to sell your house fast in Boise.  We have a specialized understanding of real estate in your community, and can find a selling solution best for you. We have helped sellers in all types of situations, and we can help you too!  Call 208-906-2436 for a free no obligation consultation with a "Quick Sale" expert. ...read more

I've walked several industrial and retail properties with potential tenants lately and am reminded each time that these properties have a tad more complexity due to the nature of those leases since they are typically NNN or CAM type leases. You need to understand the type of lease you are negotiating when dealing with commercial real estate properties.  You may be incurring legal responsibilities for costs you might not have anticipated if you don't understand the nature of the lease. GROSS LEASE This is a lease where the tenant pays one singe charge to the owner.  All utilities, building maintenance, and operating costs are paid by the owner. NNN LEASE or TRIPLE NET LEASE A NNN Lease is a Lease where the tenant pays their pro-rata share of real property taxes, insurance and operating expenses. CAM LEASE or COMMON AREA MAINTENANT LEASE A CAM Lease is very similar but is used in retail environments locally, at least.  Retail properties can often have common areas for general use of all tenants or their guests and the respective tenants pay for the same items in the NNN lease, but since retail environments may have common use areas and typically more parking area, the leases are generally called CAM Leases. SOME THINGS TO LOOK FOR ASSOCIATED WITH NNN AND CAM LEASES In both NNN&CAM leases, tenants typically pay their pro-rata share of real property taxes, insurance, and operating expenses.  These expenses are generally estimated annually and paid monthly very similar to insurance and taxes paid on a residence through a mortgage / escrow company.  In theory, this is more efficient since the owner estimates the expenses each year and does not have to include a "risk" factor in case actual expenses are higher since all expenses are paid by the tenants (except those expenses attributable to vacant spaces, which are borne by the owner).  However, efficient as this may sound, there are some issues to look into when renting properties with NNN or CAM fees. OVERHEAD FEE Is the owner allowed to add a factor to the annual NNN / CAM fees?  In some leases, the owner may ask for an add-on factor to pay for administrative costs of estimating and collecting the fees.  Locally, the majority of leases do not have an add-on factor, but some range upwards of 10%.  If the owner does not have a property manager, an add-on might be appropriate.  On the other hand, if the owner does have a property manager AND there is an add-on fee, it is worth determining why that is. LEASING AND MARKETING FEE Leasing and marketing fees paid to acquire new tenants is generally a cost borne by the owner and should not be a fee paid by existing tenants. Marketing costs to advertise the property for the benefit of existing tenants in a retail environment are generally specified and incurred with some level of tenant input.  Those costs are typically borne by the tenants on a pro-rata basis. CAPITAL & MAINTENANCE EXPENSES When leasing, make sure you understand how this issue is handled in the lease.  Typically, capital expenses are borne by the owner.  Some leases will give the owner the ability to do a cost – benefit analysis to see if a capital expenditure will reduce operating & / or maintenance expenses and, if so, to then include those costs in the NNN / CAM charges. UTILITY COSTS(Water, electrical, sewage, trash, etc) In most cases, with a NNN / CAM lease, the tenant pays for their cost of these utilities.  in some instances, one or more of the utilities may be provided by the owner to be billed directly to one or more tenants, or included in the NNN / CAM charges.  For instance, with a small industrial center with several small spaces, it may be more economical and / or efficient to have a single trash bin for common use.  In that case, the trash will be provided by the owner and all tenants pay their pro-rata share of the expense.  However, if one tenant uses an extraordinary amount of a utility, the owner should have that tenant arrange for their own service so other tenants are not unduly burdened by costs more appropriately borne by that tenant. MAINTENANCE This is the issue I am most interested in discussing with this blog.  Make sure you understand who is responsible for what costs in your lease.  Typically, the owner is responsible for the exterior and structural elements of the building.  As a tenant, you are typically responsible for HVAC maintenance, plumbing, electrical, etc…  So, if you are moving into a brand new building and the HVAC system needs to be replaced, you should be able to use the existing warranties.  But what if you're about to move in to an existing space and do not know what the maintenance program has been for the HVAC system?  Or what if the last tenant drained oil into the sump system?  First of all, you need to have an inspection done if those elements are critical or are otherwise of concern to you.  You might even look at capping your exposure in case a major element of the space breaks, like the HVAC. SUMMARY Make sure you go over the draft lease with your leasing agent.  You should have already made sure you are working with a qualified commercial real estate agent.  Real estate agents without any or much experience in the technical aspects of leasing a commercial space may not be aware of the different issues important when leasing commercial facilities. If you need assistance evaluating your commercial real estate needs, please feel free to contact us. Sincerely, ...read more

 Looking for a home or property in the mountains yet within easy commute to Boise area? Idaho City, Boise County homes are a short 30-45 minute drive to Boise. Homes in th Idaho City, Boise County areas are typically log homes,log sided type framed homes or cedar type homes. There are also more affordable cabins and manufactured homes. Boise County and Idaho City  homes are set in a rural type setting. Boise County is 88% public lands with pockets of residential areas. If you are a nature lover, hunter, fisherman or just like to be outdoors then this is a great place to live. I have 80 listings of homes and properties in Idaho City, Boise County and Boise areas. Visit my website at vernsidahohomes.com to view my listings of vacant land and homes in Idaho City, Boise County and Boise areas. vernsidahohomes.com is a great tool to learn about local schools, businesses,local government, recreational opportunities and much more!  Many homes in Idaho City, Boise County and Boise areas border National Forests, BLM or State of Idaho lands so access for hunting and hiking is great! Idaho City is a small historic gold mining town which was once the largest city in the pacific northwest. It is rich in mining history. Visit my website at vernsidahohomes.com and visit the Boise County link to get more information on Idaho Citys history.   ...read more

Sometimes property sellers ask me, "Do we really have to stage our home?". The answer is "yes", if you are a serious seller who wants to sell your home quicker and for more money. The answer is" no" if you don't care how long it takes to sell your home and you aren't concerned with making the most possible money. In today's real estate market you must set your home apart and make it stand out in a crowded landscape of homes, foreclosures, and short sales. You need to give buyers a reason to choose YOUR property over the competition and home staging will most definitely assist in accomplishing this. We have had huge success in helping sellers. To see some of or testimonials visit www.DawnTempleton.com. ...read more

The secret is out! Home Staging is the secret to a quicker and more profitable sale. Home staging is vital to setting your home apart in Boise's competitve real estate market. But what many may not realize, is that there are no regulations governing the Home Staging Business and that anyone can create a business name and call themselves a home stager. I have actually seen home staging jobs that I felt were a detriment to getting the property sold, so buyer beware! Here are my suggestions for making sure you choose a competent and professional home stager: 1. Look for some kind of training or certifications from the larger, more reputable entities such asStagedHomes.com( This training results in the ASP-Accredited Staging Professional designation as well as others) 2. Look for a portfolio of at least ten different properties ( not ten pictures of the same house). Confirm that the portfolio is the actual work of the home stager. view our portfolio atwww.DawnTempleton.com 3. Ask for references! A good home stager will have happy past clients that are willing to speak about their experience 4. If your selected Home Stager does not ask you to sign a contract or paperwork of any kind, this too is a sign that the Home Stager is not a true professional. Buyer Beware! If you have a question regarding Home Staging send me an e-mail at DawnTempleton@hotmail.com. I look forward to hearing from you! ...read more

Over the past 120 days we have had great success with the homes we have staged selling fast. I believe it is because they have been priced right and they look good. Pricing your hame correctly is just as important as staging it in the market. ...read more

We've just published a new edition of our newsletter! You can check it out on our website and get the latest information from SysTm Sign Posts. Let us know what you think! Read It Now Here ...read more

Forget about purchasing an expensive professional real estate post. Forget about storing a professional real estate post. Forget about trying to transport a professional real estate post to your properties. Forget about installing a professional real estate post. Hire SysTm Sign Posts to do the work for you!  SysTm Sign Posts will rent to you a professional real estate post. SysTm Sign Posts will transport a professional real estate post to your property. SysTm Sign Posts will install a professional real estate post on your property. SysTm Sign Posts provides a service to help you save time and money.  SysTm Sign Posts will also attract clients to your properties.  Stand out from the crowd and hire SysTm Sign Posts to install a professional sign post on your properties. Visit SysTm Sign Posts website atwww.post4rent.com ...read more

Jim Handy- Owner/Operator 1020 W Franklin St Boise, ID 83706 Phone: (208)323-8852 Fax: (208)323-8854 What is Cambria Lending of Idaho and what do we do?   ·       We are a family owned and operated full service wholesale mortgage company specializing inIdahohome loans and refinancing. Whatever your residential financial needs, we will tailor a loan that is right for you. Cambria Lending is a wholesale Idaho mortgage brokerage, designed for Idaho residents and property owners. As a mortgage broker, it is our job to find the right loan at the best possible rate to meet your every need.   Why should you choose Cambria Lending of Idaho over the competition?   ·       We provide direct, one-on-one customer service throughout the entire loan process. Unlike other mortgage companies, at Cambria Lending your loan transaction is handled by your personal Broker only. In most companies your loan file is transferred between numerous departments and personnel. Cambria Lending eases miscommunication and simplifies the loan process for you. Your experienced Broker provides you with immediate, dedicated service and is with you through every step of the process - from your loan application, to helping you choose the right loan program, to closing your loan. Cambria Lending provides unsurpassed customer service. ·       We can offer you the very best rates available.  Another reason to choose Cambria Lending of Idaho is because we are a wholesale broker specializing in theIdahomarket, most retail brokers don't compare. We can pre-qualify you within 24 hours of receiving your completed application and save you hundreds of dollars on your monthly mortgage and sometimes over one thousand dollars on unnecessary closing fees.  Don’t be fooled by other online loan brokers that offer to lock in rates they cannot deliver.   Because we specialize in Idaho Home Loans we have available to us a tremendous network of Lenders and Idaho Appraisers.  We will give you the personal attention you deserve and an unparalleled commitment to customer service.    ·       Free Credit Counseling. We are here to help you understand the process of getting a loan. We will sit down with you and explain the specifics of your credit report and tell you ways that you can improve your credit score so that the best rates are available to you. Do not hesitate to call us with any questions. Our hours are Monday-Friday9:00AM- 5:00PM, but we are available by phone or appointment evenings and weekends. Jim Handy (208) 323-8852 ...read more