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    Is it the right time for you to buy a home in Boise?

    Maybe you are tired of renting. Maybe you've had a baby or two and are outgrowing your current home. Or possibly a new job is bringing you to our great city. No matter the reason, you are looking to buy a home in Boise.Is it time to buy a home in Boise

    Deciding if it is the right time to buy a home in Boise can be both exciting and scary. Even if you've bought one before, a home is the single largest purchase most people will ever make. Thus, the decision should be made with careful consideration.

    Consider the cost to buy a home in Boise

    One of the more major things to think about as you contemplate whether or not to buy a home in Boise should be how your new mortgage will affect your budget. Consider any upcoming life changes such as adding a child, changing jobs, going back to school, etc. Keep in mind that a lender may qualify you to buy a home in Boise that is priced considerably higher than what would fit comfortably into your budget.

    To gage where the right mortgage for your budget might be, use these helpful tips:

    • A buyer can typically afford a mortgage two to three times their gross income. For example, if your gross income is $100,000, then you may be looking at a mortgage in the $200,000 to $300,000 range.

    • Know how much cash you have available for a down payment. The more you are able to put down, the more you can save on a mortgage. Plus, if you can put down 20% or more, you can avoid paying private mortgage insurance, which can save you $100s on your mortgage each month.

    • Your monthly mortgage payment (including principal, interest, taxes, and insurance) should be less than 28% of your gross income.

    • The sum of all of your bills (including your mortgage, car payments, utilities, credit cards, etc.) should be less than 41% of your gross income.

    • Due to the tax benefits of home ownership, your mortgage payment could be 1/3 more than your monthly rent and still provide you with the same net at the end of the year.

    Connect with a local Boise buyer's agent

    Remember that when you decide you are ready to buy a home in Boise you don't have to walk through the process alone. A real estate agent is not just a person with access to the MLS database, but someone who can provide you with valuable market knowledge. The local buyer's agents at TripleCord Real Estate know the area and can help you buy a home in Boise that suits your needs and your pocket book. We can also guide you through every step of the process, from deciding between a pre-owned home or a newly built one, to making the offer, and negotiating after the inspection.

    The home buying process can be intimidating, but with the right preparation and consideration you can confidently buy a new home in Boise to live in for years to come!

     

    BUYERS GUIDE:  PREVIOUS  |  NEXT

     

     

     

    Newest Boise Area Homes for Sale

    6412 W Cassia St, Boise image
    6412 W Cassia St, Boise $395,000

    Beautifully updated mid-century home on the Boise Bench in fantastic location. Gorgeous kitchen with concrete countertops, open shelving, slate tile floor, and matching s...

    • 3 Beds
    • 1 Baths
    • 988 SqFt.
    • 0.19 Acres
    • 98849233 MLS
    403 E Reserve St, Boise image
    403 E Reserve St, Boise $919,900

    Own a piece of history! Simply elegant Queen Anne style;built in 1893 "The Jones House" was historically moved in 2017 & perfectly restored to its original charm at the b...

    • 3 Beds
    • 2 Baths
    • 1,459 SqFt.
    • 0.126 Acres
    • 98849227 MLS
    4500 Five Mile Rd, Boise image
    4500 Five Mile Rd, Boise $759,900

    3 SHOPS!! Hard to find 1 acre property in SW Boise. Remodeled 3 bdrm, 3 bath home w/attached heated shop, .5 bath, w/car lift. And 50' x21' RV/shop w/2overhead doors, gas...

    • 3 Beds
    • 3 Baths
    • 2,096 SqFt.
    • 1.02 Acres
    • 98849228 MLS
    2662 N Westland Place, Boise image
    2662 N Westland Place, Boise $400,000

    Nestled in a quiet cul-de-sac sits this adorable home. This home creates a feeling of warmth when you enter the door. The main living area allows for ample natural light...

    • 3 Beds
    • 2 Baths
    • 1,249 SqFt.
    • 0.14 Acres
    • 98849222 MLS
    6426 E Bear Ridge Street, Boise image
    6426 E Bear Ridge Street, Boise $729,000

    The Cordova is one of Eaglewood Homes' most popular designs! The contemporary exterior is beautifully designed with excellent attention to detail. The Cordova is a versat...

    • 4 Beds
    • 3 Baths
    • 2,402 SqFt.
    • 0.152 Acres
    • 98849212 MLS


    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.

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    Meet Our Agents

    "We couldn't be more impressed by the dedicated, professional, custom-tailored services we received from TripleCord Real Estate when we decided it was time to sell our home and buy a new home." ~The Stichkas  

    Read more testimonials HERE!

     

     

    Boise Communities

    • About Boise
    • 0550 - SW Boise
    • 0100 - North Boise
    • 0600 - West Boise
    • 0200 - NE Boise
    • 0650 - W Boise-Mer
    • 0300 - SE Boise
    • 0700 - Garden City
    • 0400 - Boise Bench
    • 0800 - NW Boise
    • 0500 - South Boise

    Meridian Communities

    • About Meridian
    • 1020 - NE Meridian
    • 1000 - SE Meridian
    • 1030 - NW Meridian
    • 1010 - SW Meridian

    Other Local Communities

    • Eagle
    • Nampa
    • Star
    • Caldwell
    • Kuna
    • East Boise County
    • Middleton

    Other Helpful Links

    • IMLS Area Map & Information
    • Guide to Buying a Home
    • Guide to Selling a Home
    • Homeowner Resources
    • Utility & Quick Reference Phone Guide
    • Demographics & Area Information Links
    • Recommended Providers
    • TripleCord and Our Agents
    • Local Boise Area Events
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    3635 S Weathered Ave.
    Boise, ID  83706
    P: 208-861-5639   
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