Get Preapproved for a Loan FIRST!

Unless you are paying cash for a home, you’ll need to borrow money. Don't make the mistake of running out and starting to view properties before you have taken the most important first step: solidifying how you will finance the purchase once you find that perfect home. This misstep can be detrimental to your home search and can quickly turn what should be a fun experience into a discouraging one. Although the preapproval process can be time consuming, it has to be done at some point. So, why not save yourself the headache later and get it done now. The benefits of taking care of this step FIRST far outweigh any reasons you may have not to.Get preapproved for a loan first | Loan preapproval

  • Takes Time: It can take several days to secure a preapproval letter from a lender. Trying to scramble to get this done once you've found a home can be very stressful and may end up costing you the house.

  • Saves Time: Active home searching requires a good deal of your valuable time, energy, and consideration. If you don’t want to waste that, make sure your financing is secured so you can be confident that when you find “the house” you will have the means to purchase it. It’s better to know before you go!

  • Increases Buyer Marketability: If you find “the house” at a great price, chances are you may not be the only one looking at it. If the seller gets multiple offers (which happens frequently in our market when there is a good home at a good price), the seller will most likely choose an offer from a buyer who can show proof of secured financing. Having loan preapproval makes you more marketable as a buyer!

  • Required on Distressed Property: If you end up deciding on a home that is listed as a foreclosure or short sale, the bank requires a loan preapproval letter to accompany the offer. If you don’t have one ready, you will likely miss out on these properties.

  • Gives Peace of Mind: Having loan preapproval upfront gives you peace of mind. You know from the get-go how much you qualify for, what your interest rate will be, what your payments will be, how much you need to have saved for your down payment, and what price of home would fit into your monthly budget.

Make your home buying experience the best that it can be by starting the process off right and getting preapproved FIRST! You will definitely be glad you did. If you don't already have a lender you are working with and would like a recommendation, check out these providers!

 

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Newest Boise Area Homes for Sale

$549,900
3 Beds ⋅ 3 Baths ⋅ 1,999 SqFt. ⋅ 0.16 Acres ⋅ 99000642 MLS
Welcome to this beautifully maintained home in one of Northwest Boise's most desirable neighborhoods, where pride of ownership is evident throughout. Lovingly cared for and in exceptional condition, this custom home offers quality craftsmanship, thoughtful design, and modern finishes in a location that's hard to beat. Enjoy the freedom of no HOA while being just minutes from shopping, the Greenbelt, parks, and convenient access to Highway 55. The highly sought-after floor plan features all bedrooms upstairs, creating a functional separation between living and private spaces.The spacious kitchen is the heart of the home, showcasing a large center island, LG appliances, an oversized pantry, and abundant counter space perfect for entertaining or everyday living. Every bedroom has generous storage throughout. Additional highlights include dual-zone smart thermostats for year-round comfort, a fully insulated garage with a steel-backed garage door and ultra-quiet opener, automatic sprinklers, and a low-maintenance yard.

10386 W Shields Ave, Boise
$799,000
3 Beds ⋅ 3 Baths ⋅ 1,753 SqFt. ⋅ 0.07 Acres ⋅ 99000626 MLS
Newer construction in the heart of Boise's North End, just steps from Camel's Back Park, Highlands Hollow trail, and Hyde Park. A lush landscape welcomes you into an open-concept main floor built for easy living, with a brick fireplace, ample storage, shiplap accents, a white oak bar, and a built-in dining bench that make the space feel warm from day one. The kitchen delivers with crisp gray cabinetry, subway tile backsplash, quartz counters, and stainless appliances, all wrapped around a warm breakfast nook and walk in pantry. Upstairs, the primary suite offers its own private sitting area with room to unwind and tree top sunset views, while the secondary bedroom is flexible enough for a combined guest room home office. Just minutes from downtown Boise, this home blends walkable North End living with modern finishes throughout. The backyard has maintenance free xeriscape and raised garden beds with espalier fruit trees. Walk to coffee, Certified Bakery, and enjoy this low-maintenance haven.

2320 N 16th St, Boise
$674,900
4 Beds ⋅ 3 Baths ⋅ 2,102 SqFt. ⋅ 0.17 Acres ⋅ 99000621 MLS
Some homes simply feel special—and this beautifully appointed Hidden Springs residence captures the essence of relaxed, refined living. From the gracious wrap-around front porch to the light-filled interiors, every space feels welcoming, peaceful, and effortlessly livable. Gorgeous hardwood floors and sophisticated neutral hues create a timeless backdrop throughout the fabulous floorplan, where the great room provides a natural gathering place for both everyday moments and entertaining. The chef’s kitchen is designed to inspire, featuring a gas range and an inviting connection to the main living spaces. Retreat to the main-floor primary suite, complete with a spacious walk-in closet, while three additional bedrooms and 2½ baths offer exceptional flexibility. Outside, the large covered patio extends the living space and invites you to linger and enjoy the serene surroundings. A three-car tandem garage provides abundant storage for vehicles, recreation gear, and more. Just steps from the community pool and open space, this home offers an extraordinary lifestyle within Hidden Springs, where 900+ acres of preserved open space, abundant wildlife, trails, pools, farm, orchard, restaurant, coffee shop, library, schools, concerts, and community events create a true sense of place. And downtown Boise is just 15 minutes away. Open House Saturday, Sept. 12, 11 AM–12 PM & Sunday, Sept. 13, 12–1

4780 W Farm View Dr., Boise
$425,000
3 Beds ⋅ 2 Baths ⋅ 1,252 SqFt. ⋅ 0.229 Acres ⋅ 99000612 MLS
OPEN HOUSE SATURDAY AND SUNDAY 1-3. Easy 15-minute commute to Micron! Perfect for first time buyers or investors. Charming single level with functional floor plan that includes 3 bedrooms, plus a small office - perfect for working from home, a study place or for hobbies with real hardwood floors and shiplap ceilings through entry, living room, kitchen and dining plus updated bathrooms with quartz. Enjoy outdoor living in the private, oasis backyard with huge patio ideal for entertaining, relaxing and enjoying summer evenings that leads to a hot tub under a canopy of trees. Storage shed included. Close to walking path that leads to Silver Sage Elementary School. Garage with Epoxy floor and storage. Great opportunity for anyone looking for comfortable living with desirable outdoor space and RV potential.

7584 W Snohomish Street, Boise
$525,000
2 Beds ⋅ 1 Baths ⋅ 740 SqFt. ⋅ 0.14 Acres ⋅ 99000603 MLS
Location, charm, and a backyard that will make you never want to leave - this North End cottage checks every box. Situated just blocks from Boise foothills trail access and within walking distance of Hyde Park, Camelsback Park, and Elm Grove Park, this location is hard to beat. This 2 bed, 1 bath home has been fully updated, including a new kitchen and bathroom. Refinished original hardwood floors run throughout, and top-down bottom-up blinds let in plenty of natural light while maintaining complete privacy. The detached 252 square foot backyard office/studio with its own heating and cooling is perfect for working from home, a creative space, or a guest retreat. A 432 square foot garage rounds out the property with room for vehicles or storage. Outside you’ll find a beautifully landscaped backyard retreat with a producing apple tree, plenty of shade, and room for a small garden. This is the North End cottage you’ve been waiting for!

2520 N 26th St, Boise
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Information courtesy of Intermountain Multiple Listing Service. Information provided by IMLS is deemed reliable but not guaranteed. IDX information is provided exclusively for consumers' personal, non‐commercial use, it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. IMLS does not assume any liability for missing or inaccurate data. All listings provided by IMLS are marked with the official IMLS IDX icon.