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

$565,000
3 Beds ⋅ 2 Baths ⋅ 2,008 SqFt. ⋅ 0.14 Acres ⋅ 98995534 MLS
Welcome to this beautifully maintained single-level, 3 bed, 2 bath + Office home offering the perfect blend of comfort, style, & functionality! This thoughtfully designed home features a dedicated office with Fiber Internet, making it ideal for remote work, or can be used as a 4th bedroom. Upon entry, you're greeted by a wide, inviting hallway that leads into a bright, open-concept living space w/soaring vaulted ceilings, built in speakers, abundant recessed lighting, & brand new LVP flooring, base trim, & interior paint throughout the entire home. The spacious kitchen is the heart of the home, showcasing quartz countertops, a large island with breakfast bar, rich espresso cabinetry, stainless steel appliances, gas range, subway tile backsplash, walk-in pantry, & RO System at the Kitchen Sink. The split-bedroom floor plan offers privacy and the generous primary suite features a spa-like bath with dual vanities, quartz countertop, soaking tub, separate shower, & oversized walk-in closet. Laundry room provides a utility sink & extra cabinetry while the oversized 3-car garage provides epoxy flooring & ample space for vehicles & toys. Enjoy the low maintenance yard w/ a raspberry bush, covered front & back porch, & inviting curb appeal. Just 12 miles from Micron, this move-in-ready home combines modern finishes, spacious living, & an exceptional floor plan you'll love for years to come!

6296 S Ironwood Ave, Boise
$360,000
3 Beds ⋅ 1 Baths ⋅ 1,025 SqFt. ⋅ 0.42 Acres ⋅ 98995520 MLS
This is definitely a developer/flipper special with most of the value in the land. Large .42 acre lot offers a number of options for re-development. Current R1-B zoning may allow for splitting the lot, if house were torn down. Existing house is a bit rough, but might offer a unique opportunity to the right fixer/flipper. Unfinished basement has a separate exterior access which could potentially be used to add a second unit and the large lot offers plenty of room for an additional ADU. Please verify all with Boise City Planning and Zoning, agent/seller makes no guarantees regarding future uses.

2300 S Pond, Boise
$1,519,771
5 Beds ⋅ 6 Baths ⋅ 4,582 SqFt. ⋅ 0.43 Acres ⋅ 98995471 MLS
Set on nearly half an acre in the hills of Dry Creek Ranch, this Harrison home offers an RV garage and plenty of space. Inside, the open-concept layout centers around a vaulted great room with large windows that capture backyard views and natural light. The kitchen connects to the dining and great room, creating an easy flow for daily living. A flex room on the main level adds versatility for a second office, a den, or playroom. Upstairs, a spacious bonus room provides additional living space, while each bedroom features its own private bath and walk-in closet. Tucked away, the primary suite includes a large bath and walk-In closet. The Dry Creek Ranch Community Clubhouse spans five manicured acres, featuring sports courts, a pool, and a 8,840 sqft. clubhouse w/ state-of-the-art amenities. Located in the Eagle Foothills minutes from the best Idaho has to offer, including local dining, shopping, and outdoor recreation. Home is under construction with a January 2027 completion date. Photos Similar.

13731 N Spring Creek Way, Boise
$510,000
4 Beds ⋅ 2 Baths ⋅ 1,872 SqFt. ⋅ 1.22 Acres ⋅ 98995432 MLS
Welcome to your dream mountain escape in Wilderness Ranch! Unwind on the sweeping wraparound deck and soak in panoramic Idaho views. Situated ideally on the lower level of the ranch, just one mile from HWY 21, you'll enjoy rare, effortless year-round access to the front and back of the home via the circular drive. Inside, thoughtful updates shine throughout. The remodeled kitchen flows seamlessly into comfortable living spaces, complemented by a 2-year-new Daikin smart climate system with advanced humidity control. The main level offers two charming bedrooms, while the daylight walkout basement features a great room anchored by a wood-burning stove and two more generous bedrooms. Outside, embrace the mountain lifestyle with space to roam, take in the crisp air, and even gather fresh eggs from your ready-to-use custom chicken coop. A rare blend of mountain seclusion, modern upgrades, and easy accessibility, don't miss this opportunity to own a slice of heaven in the Idaho mountains.

37 Mores Creek Cir, Boise
$975,000
4 Beds ⋅ 3 Baths ⋅ 2,538 SqFt. ⋅ 0.22 Acres ⋅ 98995431 MLS
This beautiful, single-level is located in Cartwright Ranch and borders a common area with NO BACK NEIGHBORS and a beautifully landscaped backyard. The property features an open floor plan with abundant natural light, split bedrooms, and high ceilings. The kitchen is equipped with quartz and granite countertops, built-in Bosch appliances, and generous cabinetry. Also includes an oversized north-facing covered patio. A standout feature is the cedar-lined versatile studio/shop space, perfect for a home office, art studio, workshop, or hobby room. Additionally, the garage includes epoxied floors and a 9-foot-high door to accommodate larger vehicles or boats. Cartwright Ranch, which borders Hidden Springs, offers fantastic amenities, including parks, a community pool, clubhouse, fitness center, open green spaces, and direct access to the Ridge to Rivers trail system, all located just minutes from downtown Boise and Eagle

3254 W Miners Farm Dr, 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.