Smartial Wayback Machine Text Extractor

Live version of this page DOES NOT exist (#0)

https://web.archive.org/web/20071209000455/http://test2.topsellersites.com:80/home/page-2.html

This article contains 10 images. You will find them at the very end of the article.

This article contains 1632 words.

Home - Don Wixom, Nampa, Caldwell, Boise, Eagle, Meridian

sellidaho.com

Home About Don Wixom Blog RE/MAX Advantage Contact Don Client Testimonials

Property Listings

MLS Search Office Listings Featured Listings Investment Properties MLS Blog

City Information

Nampa, ID Caldwell, ID Eagle, ID Boise, ID Meridian, ID

Community

Moving to Idaho Cities Schools Subdivisions Featured Subdivisions Featured Builders Events Activities Climate

Helpful Articles

For Buyers For Sellers Helpful Information Mortgage Loans Title and Escrow

Tools

Mortgage Calculator FAQs Real Estate Terms Referral Network Nampa Weather

Login

Username

Password

Remember me

Lost Password?

Syndicate

Home

QUICK SEARCH MLS#: Street Address:

Don Wixom | Nampa, Caldwell, Boise, Eagle, Meridian Idaho Real Estate Agent | Boise Realtor

Written by Don Wixom

Mortgage Bankers

Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans which they sell directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is considered to be a mortgage banker.

Some companies don't sell directly to those major investors, but sell their loans to the mortgage bankers.

Written by Don Wixom

In the "olden" days, when someone wanted a home loan they walked downtown to the neighborhood bank or savings & loan. If the bank had extra funds laying around and considered you a good credit risk, they would lend you the money from their own funds.

It doesn't generally work like that anymore. Most of the money for home loans comes from three major institutions:

Fannie Mae (FNMA - Federal National Mortgage Association)

Written by Don Wixom

The top 5 reasons a property will or will NOT sell:

1. Location

2. Price

3. Terms

4. Condition

5. Marketing

Proper Marketing is the Key!

Call Don today for a FREE Market Analysis of your Home!

Written by Don Wixom

Have These Items Ready When You Apply For a Loan

It used to be that lenders mailed out verifications to employers, banks, mortgage companies, and so on, in order to verify the data supplied by borrowers. Nowadays, the interest is often in speed and getting answers quickly, so "alternate documentation" has become more widely used. Alternate documentation means that underwriting answers can be obtained with information supplied directly from the borrower instead of waiting around for verifications to come back in the mail.

Written by Don Wixom

For your property to sell, count on Don for the most exposure to the marketplace! There's more to selling a home than placing a sign in the yard.

It takes personal marketing to buyers as well as other agents.

It takes someone on the go to make contacts with more people on a daily basis.

It takes advertising in print media as well as electronic & Internet marketing. Information is power!

Written by Don Wixom

When you apply for a mortgage loan, you expect your lender to pull a credit report and look at whether you've made your payments on time. What you may not expect is that they seem to be more interested in your "FICO" score.

"What's a FICO score?" is a common reaction.

Each time your credit report is pulled, it is run through a computer program with a built-in scorecard. Points are awarded or deducted based on certain items such as how long you have had credit cards, whether you make your payments on time, if your credit balances are near maximum, and assorted other variables.

Written by Don Wixom

How would you like a mortgage loan where you did not have to make the whole payment if you did not want to? Or would you like a loan with an interest rate about one percent below a thirty-year fixed rate mortgage and pay zero points? Or a loan where you did not have to document your income, savings history, or source of down payment? How would you like a mortgage payment of only 2.95 percent? You can have all that with the 11th District Cost of Funds Index (COFI) Adjustable Rate Mortgage.

Sound too good to be true? Sound like a bunch of hype?

Written by Don Wixom

You will receive a detailed summary of costs you may have to pay when you buy or refinance your home. They are listed in the order that they should appear on a Good Faith Estimate you obtain from a mortgage lender. There are two broad categories of closing costs. Non-recurring closing costs are items that are paid once and you never pay again. Recurring closing costs are items you pay time and again over the course of home ownership, such as property taxes and homeowner's insurance. Some of the items that appear here do not traditionally appear on a lender's Good Faith Estimate and lenders are not required to show all of these items.

More...

The Biweekly Mortgage - Who Needs It?
Documenting Your Assets - Verifying Your Down Payment
Your Savings and Down Payment
Creative Financing and Title Insurance
Title Insurance When Refinancing Your Loan
Title Insurance Requirements for Insuring Trusts
Statements of Information
Required Reporting to the IRS
Understanding Preliminary Reports
Title Insurance - Where Does Your Dollar Go?

<< Start < Prev 1 2 3 4 Next > End >>Results 19 - 36 of 64

Featured Listings

featuredlistings.php

Contact Me Today!

Don Wixom

RE/MAX Advantage

5680 E Franklin Rd Ste 100

Nampa, ID 83687

Direct: (208) 880-5039

Office: (208) 466-0002

Fax: (208) 466-2227

Email:

This e-mail address is being protected from spam bots, you need JavaScript enabled to view it

Broker/Owner,

ABR, CRS, GRI,

e-Pro Internet Professional

Quality Service Certified®

2000 "Realtor of the Year"

What Clients Say...

"We cannot thank you enough for your time and patience in finding our new home. There's no way we could've done it without you! You made all our dreams come true and we will always hold you dear for that."

~ Meguel and Kris Escutia, satisfied buyers

"Thank you Don for your considerate and professional help on selling our house. Your informative correspondance we recieved before deciding to list it, got you the house, and your continued contact to let us know what efforts were being made to advertise and show the house were greatly appreciated. Showing mutual respect, we feel like we have made a new friend!"

~ Bill and Sharrel Cash, satisfied sellers

"Thank you so much for all of your efforts, patience, perseverance and professional behavior through the ordeal of selling our house. The way you dedicated yourself to your work and to our needs truly showed your eagerness and ability to help. Thank you again."

~ Jan Byers, satisfied seller

"Just wanted you to know that we really appreciate how smoothly the sale of our home went. It really could not have worked out any better. The wide marketing of our home you initiated really paid off. Thank you for a terrific experience. You have our highest recommendations, and we'll be more than happy to pass it along. God Bless!"

~ John and Jeanie Mowery, satisfied sellers

"Thanks to Don Wixom, we have been enjoying our new home for six months now. Don as the realtor selling our house worked very hard for us. He helped us through all the complex paperwork involved in making offers, getting a loan, etc. Don paid attention to detail and kept us well informed about how things were going. When things needed to be done, Don was readily available, seeing us through a home inspection, even crawling under the house in the dirt and cobwebs when we asked him to. Don was always only a phone call away. We still remember his phone number, we called him so much! Don has a wealth of experience and resources to offer. We would definitely recommend him to anyone wanting to buy or sell real estate."

~Scott and Naomi Watson, satisfied buyers

Poll

The Treasure Valley is currently in a: Buyer's Market Seller's Market A Time of Stability A Quick Downturn in Values Today: Increasing Clouds

33°F | 20°F Tomorrow: Chance Snow Showers

36°F | 17°F Current Conditions: Overcast 37°F Extended Forecast >>