First-Time Buyers

If you are a first time home owner in the Boise area, you have probably been dreaming of buying your first home in Idaho for quite some time. Changing from a renter to homeowner may be easier than you think, and we're here to help if you're looking in Idaho. 

Contact us today at 208-850-6324, or email

After contacting a real estate agent, what's next?

First of all, learn the financing basics. Get pre-approved and become a smart shopper.

When you buy your first home in Boise, making monthly payments probably won't be a problem. After all, you're already paying rent to your landlord each month. It's coming up with the lump sum needed for a down payment and closing costs that may seem impossible. Fortunately, there are options to make buying your first home a happy reality. Our Idaho real estate agents at Expert Realty are here to make your life easier. We can direct you towards a mortgage broker when you are ready!

Programs for first-time buyers. There are several local and federal government programs that help first time buyers get into the housing market. Ask one of our Realtors, or a mortgage broker, about these options, we'd be happy to help.

Lenders. Your bank or credit union may help as well. Are you debt-free and own something free and clear, like a car? Your lender may lend you the down payment by securing it against this asset.

Private contracts. Look for a seller to help you buy and finance your home. Some sellers are willing to carry the contract themselves and will waive the down payment. You may only have to pay the monthly mortgage installments.

Need financial solutions?

Credit or tax problems. Do you have problems with your credit rating or owe money in taxes? Buying your first home is still a possibility. Check with your lending institution about options, such as paying a higher down payment.

You probably still have a lot of questions, feel free to contact our office to speak with a licensed Realtor in the Boise area today. Call 208-850-6324, or email