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keciamortenson
Kecia Mortenson
Real Estate Agent

    13 Years in Nampa
    Boise Real Estate Specialist
    Nampa Real Estate Expert

Direct: 208-615-5020



Company Info

Keller Williams Realty Boise
5660 E Franklin Rd Ste 201
Nampa, ID

Archive for February 2012

Get a $150,000 home for $553 /mo, principal and interest…really

Wednesday, February 22nd, 2012

My lender is offering a special for the month of March. She will buy down your interest rate for the first 2 years so your loan will be at 2.25% Here’s how it works and it is a great way to buy something now and make it affordable while your income grows. After the two years it finalizes with no increases at a fixed rate of 4.25% for the life of the loan. She is paying this out of her pocket, taking the hit to increase her productivity through March.

Taxes and Insurance depending on the price of a home ususally run about $100 to $200 a month so when added to the payment on the purchase price above, your total PITI (principal, interest, taxes and insurance) will be $653 to $753 a month. This offer is available on FHA loans, most common loan for buyers wanting to put the least cash down.

If you are considering a home in Boise, Nampa, Meridian or any nearby location in the Treasure Valley, with prices on the rise,(in case you haven’t seen what’s been happening in our market),  now is truly the time to buy, and this deal just makes it that much sweeter. This is a real and fair offer from my lender with no gimmicks. However, bad timing that she is on a fishing trip in through Sunday the 4th, but we can reel her in her next week (pun intended).

Please call or email me and I will connect you with her. If all looks good, we can go shopping!!!

To calculate a payment at 2.25% for a purchase mortgage…..use this calculator

Mortgage Calculator

  • Price of Home ($)
  • Down Payment (%)
  • Mortgage Term (Y)
  • Interest Rate (%)
  • Monthly Payment ($)

click here if you would like me to call you to learn more

Click this link…

to privately search homes in the MLS.


Click this link

to get in touch with Amy, my lender

Weʼre in a “Masterpiece” Market in Boise, ID!

Tuesday, February 14th, 2012

If You Could Buy a Van Gogh in 1885, Wouldnʼt You?

“The fishermen know that the sea is dangerous and the storm terrible, but they have never found those dangers sufficient reason for remaining ashore.”

Vincent van Gogh, Dutch painter (March 30, 1853 – July 29, 1890)

http://www.vangoghgallery.com/

Artists take risks. They pursue their vision, often without financial security, facing long odds while stewing in their own self-doubt. When the world tells them “it’s not safe,” they listen to their own voice despite “prevailing wisdom.” They have a vision and they pursue it.

Occasionally, if they’re very lucky, they get to look back on their life and see the path that lead them to create a masterpiece. At the time, the path wasn’t easy, yet in retrospect, it looks very much like the only possible path they could take.

I think in twenty years or even ten years, we’re going to hear the collective sound of people kicking themselves because they did not buy a home this year. As their teenage sons and daughters graduate and enter the future job market and begin searching for their first home, they’ll turn to their parents and say, “Seriously? You’re telling me when I was in middle school, you could get a 30-year fixed for under 5%?”

Too many remain terrified by the last great storm in the housing market. They stand now on the shores of incredible opportunity, but can’t shake the vision of all those values sinking into oblivion.

Think about the future. Who might need a home? Is there an opportunity to “be the bank” when the time comes? The descendants of those savvy collectors who bought a Van Gogh painting for mere dollars in 1885 are surely grateful for their grandparents’ eyes today, aren’t they?

Yes, there is uncertainty, but this is the calmest water you’re ever going to see. Set sail now and buy a home. Those that do will certainly be rewarded. As for the masterpiece? It will be the satisfaction of looking back and realizing they bought at just the right time.

There’s certainly no risk to exploring the opportunity. I’d love the opportunity to sit down with you and plot a possible course to the best investment you could make. Contact me today at: kecia@homesID.com or 208 724-4661.

See the chart below to see that our market is on the way back up, creating the perfect time to buy.

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