Now reduced $40,000! Beautiful remodeled home in a great location near Warm Springs Ave. Close to the Green Belt and a trail that goes to Table Rock. Great landscaping with fruit trees and flowers (See Pictures). Walking path. New paint inside and out. Tiled bathroom with jetted tub. New carpet. Huge deck with waterfall. Family room has a built in entertainment unit. Solar heated water unit. Over $6,000 worth in landscaping! And much More!

Brought to you by:

Bradley Oliver (Realtor)

Century 21 1st Place Realty

Boise, Idaho

208-947-4659

Bradley@Century21.com

Find the home using your iphone, then call me to get you into the home to see the inside! No Obligation!

Press Release

New Low Downpayment Financing Available

Boise, Idaho, June 15, 2010: This new loan program is available today! If you have wanted to own your own home, now might be the best time.

Below are some of the features of this new program

• As little as $1,000 down payment
• No mortgage insurance
• Must make less than $61,900 for 1-2 person or less than $71,875 for 3 or more persons
• Maximum home price $265,400
• Must be a first time home buyer
• Must have a FICO Credit score of 680 and higher

To find out if you are eligible for this new loan program call Brad today at 947-4659 or email me at Bradley@Century21.com for more information.

There are a lot of so called REO property lists out there on the internet. Some are legitimate and others are a flat out rip off. And in most cases outdated and are from companies that are not from Idaho!

So how do you know that you are getting the most up-to-date local REO list for all of treasure valley?

Well, you go to the official reo property list! Complete with pictures, descriptions, HOA information, lot sizes, and much much more!

There are no fees. No obligations. And no hassles.

Simple, updated local reo list. That’s it!

Visit the website today!

You may also reach me at 208-947-4659 or 208-284-5697

Email me at Bradley@Century21.com

You’ll be glad that you did!

Boise area official REO property list below:

http://BoiseHomeBargain.web.officelive.com

There is a huge push from the Obama administration to help folks stay in their homes through loan modifications and avoid foreclosures by doing short sales. Banks are getting “kickbacks” incentives to do these things to avoid foreclosures.

But why is it taking months to get an approval on my short sale?

Some banks are literally overwhelmed with short sale offers across the country. Most banks are understaffed in these departments. Bank of America (Countrywide) is one that comes to mind. The average time frame to hear back from a short sale offer from B of A is about 3-4 months. During that time, most buyers walk away and look for another property. So then another offer comes in for the same property and can take another 3-4 months to approve that offer. Hopefully this will change very soon.

Bank of America has signed up with a company called REOTrans soon to be called Equator. B of A has been using this company on a trial basis to do short sales through. This is in a way “streamlining” the short sale process. So far, I have heard that it has been working much better! So be on the look out for this. If you have not signed up yet for REOTrans, I highly suggest that you do. Their website is http://www.reotrans.com

Wells Fargo and Wachovia have really streamlined there approval process that can take less than 10 business days with less paperwork! So if you have one of these banks, things can go very quickly and smoothly.

So as you can see, short selling your home is not always a slow and painful process. In some cases it is a simple process and other times, not so simple. But in some cases, it might still be better than a foreclosure. Read my blog about “Life after a short sale” http://bradoliver.wordpress.com/

Call me or email me today for a free consultation and free information.

Brad Oliver

Century 21 1st Place Realty

208-284-5697

Bradley@Century21.com

I recently come across some really great information about life after a short sale. For most sellers, selling their personal home as a short sale has meant for the most part, they cannot finance another home for at least 2 years. Some even say that a short sale is just as bad as a full foreclosure, where the bank takes back the property via a auction. This is of course not always true. There is some really great news! read on.

In a foreclosure, when the bank takes back the property through an auction, you cannot finance another home for at least another 3-4 years. Your credit score drops 100-200 or more points. In a short sale, your credit score may only drop slightly. Also if you sell a home via a short sale, you might be able to buy another home the following week! You cannot do this if you let the bank take back the property.

There are no FHA guidelines for a short sale or pre-foreclosure. FHA does not for the most part look at a short sale as the same as a foreclosure. I have recently found some banks that do FHA loans that will loan money for another home, even if you just recently sold your home through a short sale. This is great news for those who really need to sell their home because of a job transfer, a sudden drop in income, a divorce, and so on.

To find out more about this new FHA program, call me or email me today for a free consultation and free details.

Brad Oliver

Century 21 1st Place Realty

208-284-5697

Bradley@Century21.com

And if you want to become an expert and make money, send me your email and I will get $10 for everyone I refer to the site.

Law questions

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I have access to a group of professional approved loan modifiers that in most cases can help the homeowner stay in their home by doing a loan modification with their mortgage company. These are Idaho State approved loan modifiers. These are folks that are ready to help those in OUR community during these rough times.

And if they cannot help them stay in their homes, then that is where I would like to help. I would short sale the home for them to save the homeowner’s credit. And this would cost the homeowner no money at all. The bank will pay for all fees, and in some cases, liens that are attached to the property!

By doing a short sale, the home owner will have a chance to buy a home again in 24 months. If they let the bank take the home back, it can be 5-7 years before they could buy a home again. Plus, if the home owner does a short sale, their credit score would only drop 50-70 points unlike a full foreclosure would be 200-300 point drop. This will affect the home owner getting insurance and other items that look at credit scores.

So let us come together to help people in OUR community during these difficult times.

Short Sale Agent

Brad Oliver

Century 21 1st Place Realty

208-947-4659

Bradley@Century21.com

Follow me twitter@BradinBoise