CINDY SMITH
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Boise , ID - 90°

I love living in the Boise Valley. I grew up in the West end of the Treasure Valley on a farm and since marrying my husband we have lived in Boise. Our children have attended college here and are now starting their own families and choosing to settle here. Needless to say we love it here.


There have been a lot of changes in the Treasure Valley throughout the years. Boise has all the rewards of a big city while maintaining that friendly hometown feeling.

I have been in sales for the past 21 years and the last six years have been a full time commitment in Real Estate and to my clients. Whether buying or selling a home, my commitment is to fulfill your Real Estate dreams. Please feel free to contact me by phone or email with your real estate questions.
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Boise Home Mortgage News

There has been a lot of activity this past week with the debt ceiling troubles coming to a head, with no small help from Standard & Poor downgrading the United States credit rating. Despite these worries low mortgage rates have managed to survive both the debt crisis and the countries credit downgrade.

Surveys of wholesale and direct lenders are showing that while mortgage rates have survived this turmoil so far with the larger 30 year fixed  rate only fluctuating by .125%. With good credit borrowers can still obtain these low rates; this demonstrates that Рwith mortgage rates still at the lowest levels of the year РNOW may be a great time for Boise home buyers who receive lender approval.

Through combining low FHA rates and current low down payment requirements, borrowers looking to purchase a home are still able to find great affordable homes. Although FHA closing costs may be higher because of the various fees and upfront mortgage insurance requirements, the benefits of an FHA mortgage far outweighs the cost.

MBS prices (mortgage backed securities) are up again are up this week. Who cares? Mortgage rates generally change in the opposite direction of MBS prices.

A spot of bright news is that private sector jobs increased and mortgage applications are also seeing an increase. On the down side, factory orders decreased, showing no real hurry in the construction industry to start cranking out new product in a still saturated market. Overall though, investors are reacting well to the news of Standard and Poor’s downgrading of the U.S. credit rating by capitalizing on the boost for the bond market while. If investors continue to seek the safety of bonds, mortgage rates should remain low.

Not sure about buying a home in this turbulent economy? I can help address your concerns and talk with you about why right now is still one of the best times to buy a home in Boise. Visit my Boise Homes website to search for available homes or contact me today to find out what a experience Boise REALTOR can do to help you!


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