resources

Sample Financing Options! – 13662 99th Avenue NE, Kirkland WA 98034

About This Home:Light and bright 5 bedroom, 2.75 bath home in North Juanita on a quiet cul-de-sac. Features include spacious living room with a wood-burning fireplace, upgraded wood laminate flooring, updated kitchen with natural cherry cabinets, granite counters, tile floors, eating bar and stainless-steel appliances. Dining room with French doors open to spacious deck overlooking the patio and back yard. The daylight lower level features a second kitchen, 2 bedrooms, full bath and a family room with a wood-burning fireplace. Established rental (both long-term and Airbnb) for the past 10 years. Park-like back yard is fully-fenced and features a stone paver patio, level grassy yard, firepit, lush mature landscaping with blueberry and strawberry bushes, camellia and jasmine bushes, cherry tree, fig tree, 4 magnolia trees, hawthorn tree and 3 fir trees - enjoy your outdoor retreat! Pre-Approval and Financing:Our Team is ready to serve you! Contact us today to discuss your overall financing needs and goals. We'll customize lending solutions to give you the confidence, clarity and comfort you need to proceed with an offer on this home. From start to finish, we can complete the entire lending process in under 30 days.We Offer:Jumbo Loans, FHA, VA, Down Payment Assistance, Idaho Housing Finance, Conventional, and more!Thank you,Saul BaileyNMLS: 114610

Sample Financing Options! – 1888 N Lodge Creek Way, Eagle, ID. 83616

About This Home:Welcome to your dream home! Nestled on a generous . 43-acre lot, this immaculate 3,980 sq ft estate offers an unparalleled blend of luxury and country living. Boasting 5 spacious bedrooms, including two master suites, and 3.5 baths, every inch of this home has been meticulously maintained and thoughtfully designed. Discover an entertainer's paradise, featuring an open floor plan adorned with custom built-ins and designer fixtures. The gourmet kitchen, equipped with high-end appliances and ample storage, will inspire your inner chef. Retreat to the primary master suite, with a spa-like bath and expansive walk-in closet. The second master suite provides added luxury and convenience for guests or multi-generational living. Outside, the beautifully landscaped yard beckons with lush greenery and a custom shed for all your storage needs. The dream garage is a showstopper complete with custom cabinets and epoxy flooring, ideal for car enthusiasts and hobbyists alike. One of Eagle's most sought-after neighborhoods!Pre-Approval and Financing:Our Team is ready to serve you! Contact us today to discuss your overall financing needs and goals. We'll customize lending solutions to give you the confidence, clarity and comfort you need to proceed with an offer on this home. From start to finish, we can complete the entire lending process in under 30 days.We Offer:Jumbo Loans, FHA, VA, Down Payment Assistance, Idaho Housing Finance, Conventional, and more!Thank you,Saul BaileyNMLS: 114610

Sample Financing Options! – 3551 W. Old Gold Dr. Meridian, ID. 83646

About This Home:This delightful home offers comfort and class in the established and well sought-after Spurwing Estates. Step inside to find a regal vaulted entry and real white oak hardwood floors that make the home look and smell brand new. The living room is anchored by a marble-tiled fireplace and wood-beamed ceiling. The spacious kitchen with a HUGE center island is a chef's dream - commercial refrigerator, double oven and bright granite and quartz countertops. Also on the main level is a bright office with double doors, an ensuite for guests or generational living/mother-in-law suite and a flex room that can serve as a gym or bonus room. Up the stunning hardwood staircase you'll find 4 bedrooms, 2 bathrooms and the laundry room. The Primary suite features a walk-in designer closet and a spa-like bathroom with clawfoot tub. The three-car garage has an epoxy flooring finish and built-in shelving. There are 2 rooms in the garage, perfect for storing holiday decorations, food storage, or gardening supplies.Pre-Approval and Financing:Our Team is ready to serve you! Contact us today to discuss your overall financing needs and goals. We'll customize lending solutions to give you the confidence, clarity and comfort you need to proceed with an offer on this home. From start to finish, we can complete the entire lending process in under 30 days.We Offer:FHA, VA, Down Payment Assistance, Idaho Housing Finance, Conventional, and more!Thank you,Saul BaileyNMLS: 114610

Sample Financing Options! – 329 S Hamlin Lane, Eagle, ID. 83616

About This Home:Welcome to your dream home in the prestigious Riverstone Subdivision of Eagle, Idaho! This stunning residence offers 4 spacious bedrooms, 2.5 luxurious baths, a versatile bonus room, and a dedicated office. Nestled in a resort-like community, you'll enjoy unparalleled amenities including a sparkling pool, state-of-the-art gym, and scenic lakes scattered throughout. Plus, a charming beach house is coming soon with white sand! Embrace the serene lifestyle with direct access to the river for endless outdoor adventures. This home is a perfect blend of comfort, elegance, and modern convenience. Don't miss this rare opportunity to live in one of Eagle's most sought-after neighborhoods!Pre-Approval and Financing:Our Team is ready to serve you! Contact us today to discuss your overall financing needs and goals. We'll customize lending solutions to give you the confidence, clarity and comfort you need to proceed with an offer on this home. From start to finish, we can complete the entire lending process in under 30 days.We Offer:FHA, VA, Down Payment Assistance, Idaho Housing Finance, Conventional, and more!Thank you,Saul BaileyNMLS: 114610

Sample Financing Options! – 3519 N 36th St. Boise, ID. 83703

About This Home:The old world charm & unique character of this original homestead is ideally situated on . 364 acres near 36th & Hill! Come experience the peaceful serenity of the park-like backyard! This is a unique property with so many uses! Entertain guests who stay in the yurt & renovated vintage Airstream! THE 28x33 DETACHED SHOP has a studio apartment, spacious loft area with hardwood floors for an artist/yoga studio, natural light, wood stove, full bathroom & laundry facilities. The main house features a newly remodeled kitchen, balcony, hardwood floors, basement with a full bathroom, gas fireplace & built-in storage. Priority deeded water rights for flood irrigation gives you plenty of resources to grow an extensive garden to attract bees, birds & butterflies! A perfect place to create your very own homestead life in the city-it even comes with a chicken coop! Just 1 block from the foothill trails, Sockeye Brewing, Golf Course, Hillside Jr. High & Edwards Greenhouse! There are too many amenities to list!Pre-Approval and Financing:Our Team is ready to serve you! Contact us today to discuss your overall financing needs and goals. We'll customize lending solutions to give you the confidence, clarity and comfort you need to proceed with an offer on this home. From start to finish, we can complete the entire lending process in under 30 days.We Offer:FHA, VA, Down Payment Assistance, Idaho Housing Finance, Conventional, and more!Thank you,Saul BaileyNMLS: 114610

Sample Financing Options! – 2308 W Coneflower St. Nampa, ID. 83686

About This Home:Embrace Nampa's charm in this 4 bd, 2 ba haven, stretching over 2,033 sqft. Featuring a vast kitchen with island and ample cabinets, alongside energy-efficient appliances for the culinary enthusiast. Natural light floods the open floor plan, highlighted by special blinds for ambiance control. The master suite is a sanctuary with a spacious tub and generous closet. Recent enhancements include life-proof carpets, a revitalized yard w/ flowering bushes, a playset, and dog run. Revel in the expansive backyard, complete w/ a shed and a cozy patio. Don't miss the whole-house water filtration system. Situated minutes from Lake Lowell, and a quick drive to shopping essentials or downtown, this home is nestled in a friendly neighborhood known for its tight-knit community. You’ll appreciate the thoughtful updates throughout, including soft-close drawers, dual vanity sinks, tile floors, and quartz countertops. Your Nampa dream home combines lifestyle and location in one perfect package.Pre-Approval and Financing:Our Team is ready to serve you! Contact us today to discuss your overall financing needs and goals. We'll customize lending solutions to give you the confidence, clarity and comfort you need to proceed with an offer on this home. From start to finish, we can complete the entire lending process in under 30 days.We Offer:FHA, VA, Down Payment Assistance, Idaho Housing Finance, Conventional, and more!Thank you,Saul BaileyNMLS: 114610

Sample Financing Options! – 24551 Benhaven Ln. Middleton, ID. 83644

About This Home:Gorgeous estate on 5 acres PLUS a pond in Middleton! Magnificent, custom built home that is tucked away at the end of a quiet country lane perfect for an equestrian property, , complete w/ small barn. This spectacular 5 bed/3.5 bath home offers a bright and open floor plan encompassing high end finishes. From custom cabinetry, to dual ovens, beautiful granite countertops, stunning trim work throughout and extra touches everywhere. Attention to detail is not lacking in this 4,239sf home. The kitchen, eating and great room have all recently been updated and are stunning. The primary suite offers plenty of natural light, with a "spa-like" bathroom consists of a walk in shower, soaker tub, dual vanities and a large walk-in primary closet. A second room on the main level that could be used as a second office, bedroom or playroom. Upstairs includes 4 great sized guest rooms as well as a rec room PLUS a bonus room, perfect for a game or media room! No HOA or CCRsPre-Approval and Financing:Our Team is ready to serve you! Contact us today to discuss your overall financing needs and goals. We'll customize lending solutions to give you the confidence, clarity and comfort you need to proceed with an offer on this home. From start to finish, we can complete the entire lending process in under 30 days.We Offer:Jumbo/Wealth Loans, FHA, VA, Down Payment Assistance, Idaho Housing Finance, Conventional, and more!Thank you,Saul BaileyNMLS: 114610

Sample Financing Options! – 4608 W Renhold St. Meridian, ID. 83646

About This Home:Bright and spacious home that was immaculately maintained! This home is at the end of a private driveway, no through traffic in front of your house w/ main level master and two beds, optional 4th bedroom or bonus room up stairs! Flowing interior design combined with a refreshing mix of upgrades creates an impressive ambiance throughout. Kitchen features granite counters & an island perfect for entertaining! Spacious master suite! Backyard is fully fenced, & nicely landscaped! Community boasts a clubhouse and pool to enjoy the summer days! This home is close to schools, shopping and more! Don't miss this opportunity in the heart of Meridian!Pre-Approval and Financing:Our Team is ready to serve you! Contact us today to discuss your overall financing needs and goals. From start to finish, we can complete the entire lending process in under 30 days.We Offer:FHA, VA, Down Payment Assistance, Idaho Housing Finance, Conventional, and more!Thank you,Saul BaileyNMLS: 114610

Special Financing! – 442 N 6th St. Payette, ID. 83661

About This Home:Calling all handymen! This is a great opportunity to own a classic 20th century fixer-upper in Payette, Idaho. This is truly a diamond in the rough. .. ready for your visions to become a reality. This 4 bedroom 1 bathroom home offers all the character of a historic home, just waiting for you to sculpt it into your modern dream. Situated in the heart of Payette with plenty of room to add a detached garage/shop with alley access. .. the possibilities are endless.Pre-Approval and Financing:Our Team is ready to serve you! Contact us today to discuss your overall financing needs and goals. We offer the Fannie Mae Homestyle Renovation Loan, which is perfect for this home. From start to finish, we can complete the entire lending process in under 30 days.We Offer:FHA, VA, Down Payment Assistance, Idaho Housing Finance, Conventional, and more!Thank you,Saul BaileyNMLS: 114610

Sample Financing Options! – 739 W. Producer Dr. Meridian, ID. 83646

About This Home:Welcome to this stunning 4-bedroom, 3-bathroom residence nestled in the coveted Paramount Subdivision. Boasting versatility, this home offers a downstairs owner's suite and a second additional suite with a newly remodeled full bath, perfect for generational living. An upstairs bonus room could be an optional 5th bedroom. Enjoy gatherings in the timelessly updated kitchen with open shelving, and unwind on the covered back patio overlooking the serene water feature and fire pit. Plantation shutters, real hardwood flooring, and vaulted sky-lit ceilings enhance the elegance of this home. With access to four neighborhood pools and all three boundaried schools within walking distance, this property embodies the ideal family-friendly lifestyle. Don't miss the opportunity to make this your forever home, where great neighbors and endless amenities await!Pre-Approval and Financing:Our Team is ready to serve you! Contact us today to discuss your overall financing needs and goals. We'll customize lending solutions to give you the confidence, clarity and comfort you need to proceed with an offer on this home. From start to finish, we can complete the entire lending process in under 30 days.We Offer:FHA, VA, Down Payment Assistance, Idaho Housing Finance, Conventional, and more!Thank you,Saul BaileyNMLS: 114610

Sample Financing Options! – 326 W. Ada St. Boise, ID. 83702

About This Home:Welcome to 326 West Ada St, meticulously remodeled to offer modern comforts while retaining its historic charm. Located in the highly desirable North End neighborhood of Boise, this home combines the best of both worlds: character and convenience. As you step inside, you'll be greeted by an inviting atmosphere with newly refinished hardwood floors that add warmth and character to every room. The main level features a spacious living area, perfect for relaxing or entertaining guests. A dream kitchen with stainless steel appliances, quartz countertops, custom cabinetry, and a stylish tile backsplash. One of the standout features of this property is its ultra-close proximity to foothills trails, perfect for outdoor enthusiasts and nature lovers. Enjoy hiking, biking, right from your front door. This home's location is unbeatable! Don't miss this opportunity to own a piece of Boise's history in one of its most coveted neighborhoods. Schedule your private showing today!Pre-Approval and Financing:Our Team is ready to serve you! Contact us today to discuss your overall financing needs and goals. We'll customize lending solutions to give you the confidence, clarity and comfort you need to proceed with an offer on this home. From start to finish, we can complete the entire lending process in under 30 days.We Offer:FHA, VA, Down Payment Assistance, Idaho Housing Finance, Conventional, and more!Thank you,Saul BaileyNMLS: 114610

Sample Financing Options! – 10736 Bridgetower Dr. Boise, ID. 83709

About This Home:Welcome Home! Pride of Ownership can be felt in this well maintained and updated centrally located property. Large 1/3 acre lot with 6 bed, 3 bath has room for EVERYTHING! Fully insulated & heated garage, garden beds, blue tooth managed irrigation & sprinkler system, RV parking, fire pit and great room plus living room! The list goes on! Covered oversized deck designed to enjoy the amenities of the huge fully fenced backyard. Wood burning fireplace both up and down stairs, 3 beds up and 3 beds down with entertaining space on both floors. Tastefully updated kitchen and bathrooms make this home ready for you. Move in Ready and Immaculately Maintained combines comfort, space and easy living. Brand new HVAC Jan. 2024. NO HOA's! Come and see! Minutes from the interstate: less than 5 min to the Mall -15 min to downtown Boise and 15 min the Village.Pre-Approval and Financing:Our Team is ready to serve you! Contact us today to discuss your overall financing needs and goals. We'll customize lending solutions to give you the confidence, clarity and comfort you need to proceed with an offer on this home. From start to finish, we can complete the entire lending process in under 30 days.We Offer:FHA, VA, Down Payment Assistance, Idaho Housing Finance, Conventional, and more!Thank you,Saul BaileyNMLS: 114610

Sample Financing Options! – 17589 Mountain Springs Ave. Nampa, ID. 83687

About This Home:Beautiful, better than new, home built in 2019! Located in much desired Whitney Springs sub, walking distance to community park, elementary and middle schools, minutes to Costo and I-84 access! This wonderful home features 4 bed, 2.5 bath, 3 car garage, beautiful laminate flooring, large kitchen area with tons of cabinet space, Island and nice size eating area. Other great features include a den/office/family room, all 4 bedrooms on same level, second floor laundry room, nice size master bedroom with dual vanities, walk in shower and walk in closet, fully fenced backyard, full auto sprinklers and dog run. It's like buying a brand new home with everything already completed and ready to move into!Pre-Approval and Financing:Our Team is ready to serve you! Contact us today to discuss your overall financing needs and goals. We'll customize lending solutions to give you the confidence, clarity and comfort you need to proceed with an offer on this home. From start to finish, we can complete the entire lending process in under 30 days.We Offer:FHA, VA, Down Payment Assistance, Idaho Housing Finance, Conventional, and more!Thank you,Saul BaileyNMLS: 114610

Sample Financing Options! – 5055 W Fairborough Dr. Meridian, ID. 83646

About This Home:Meticulously maintained NW Meridian home boasting numerous upgrades! The home offers functional living with a warm cozy fireplace, vaulted ceilings, hardwood floors & an exceptional kitchen equipped with new stainless-steel appliances, granite countertops & a corner pantry. The primary bedroom includes access to the backyard patio & an ensuite with dual vanities, granite countertops & a spacious walk-in closet. The upstairs bonus room, versatile as a 4th bedroom with a private closet, ensures ample space. Enjoy the sunny enclosed sunroom overlooking the park-like backyard. Dual covered patios on both sides of the sunroom create the ideal entertaining space + is wired for a hot tub! The backyard includes a shop with electricity & workbench for hobbyists & raised garden beds. Recent upgrades in 2023 include a durable 50-year roof & refreshed exterior paint. Practical additions like leaf filter on gutters, water softener, hot water tank & air conditioner were upgraded in 2021.Pre-Approval and Financing:Our Team is ready to serve you! Contact us today to discuss your overall financing needs and goals. We'll customize lending solutions to give you the confidence, clarity and comfort you need to proceed with an offer on this home. From start to finish, we can complete the entire lending process in under 30 days.Thank you,Saul BaileyNMLS: 114610

Is Homeownership in your future? Not sure where or how to start? Here’s where the dream begins!

Thanks for stopping by today!Here are the websites mentioned in the brief video for more learning and resources:http://www.saulbaileyteam.comhttp://www.saulbailey.teamWe're delighted that you've chosen to explore your home buying journey with us. Understanding that purchasing a home is a significant decision, we aim to make this process as smooth and informative as possible. My websites are designed to guide you through every step, offering a wealth of resources that illuminate the path towards homeownership.From insightful articles detailing key aspects of the home buying process to personalized advice tailored to your unique needs, our goal is to empower you with knowledge and confidence. We understand that each client's journey is unique, and our team is dedicated to providing support that aligns with your specific aspirations and concerns. Let us be your partner in making one of the most important decisions of your life, ensuring that you feel well-informed and supported every step of the way.Feel free to download the Homebuyers Guide here.Thank you!Saul Bailey

Special Financing Incentives! – 6327 W Stavros Dr. Meridian, ID. 83646

Attention Buyers! Special Financing Incentives Available:Seller Credit For 2:1 Buydown Financing. Contact Preferred Lender Saul Bailey at Cornerstone Home Lending for full details and customized financing scenarios.Lender Credit for Lender Fees and Appraisal costs. (appx. $2,500 value)About This Home:Welcome to your dream home in Meridian, ID! This captivating two-story residence showcases the Finley floor plan, boasting 2365 sqft of elegant living space. The grandeur begins with coffered ceilings that add a touch of sophistication to the open and inviting ambiance. Embrace the freedom of customization as you tailor the finishes to match your unique style and taste. Cozy up by the charming gas fireplace on cool evenings, creating the perfect atmosphere for relaxation and gatherings. The upper level presents all 4 bedrooms and a versatile flex space, adaptable to your needs as a home office, playroom, or media center. With a 3-car tandem garage, this home provides ample room for vehicles and additional storage. Located near Owyhee High School, this delightful abode offers both convenience and a sense of community. Don't miss the chance to make this stunning Finley floor plan home yours.Pre-Approval and Financing:Our Team is ready to serve you! Contact us today to discuss your overall financing needs and goals. We'll customize lending solutions to give you the confidence, clarity and comfort you need to proceed with an offer on this home. From start to finish, we can complete the entire lending process in under 30 days.We Offer:FHA, VA, Down Payment Assistance, Idaho Housing Finance, Conventional, and more!Thank you,Saul BaileyNMLS: 114610

Special Financing Incentives! – 6335 W Stavros Dr. Meridian, ID. 83646

Attention Buyers! Special Financing Incentives Available:Seller Credit For 2:1 Buydown Financing. Contact Preferred Lender Saul Bailey at Cornerstone Home Lending for full details and customized financing scenarios.Lender Credit for Lender Fees and Appraisal costs. (appx. $2,500 value)About This Home:* * PHOTO SIMILAR * * Introducing the exquisite Aspen floor plan in the Lupine Cove subdivision —a single-level masterpiece awaiting your personal touch. This thoughtfully designed home offers the perfect blend of luxury and versatility. Customize your finishes to create a space that truly reflects your unique style. The highlight of this exceptional residence is its remarkable office and flex space, offering endless possibilities to tailor it to your specific needs. Step inside and be captivated by the elegance of coffered ceilings in both the owner's suite and the dining room, exuding an air of sophistication. Outside, the community will boast a charming playground and inviting pergola space, perfect for enjoying the outdoors with family and friends. Embrace the opportunity to make this dream home your own and indulge in a lifestyle of comfort and distinction.Pre-Approval and Financing:Our Team is ready to serve you! Contact us today to discuss your overall financing needs and goals. We'll customize lending solutions to give you the confidence, clarity and comfort you need to proceed with an offer on this home. From start to finish, we can complete the entire lending process in under 30 days.

Special Financing Incentives! – 1005 N Shamrock St. Boise, ID. 83713

Attention Buyers! Special Financing Incentives Available:Seller Credit For 2:1 Buydown Financing. Contact Preferred Lender Saul Bailey at Cornerstone Home Lending for full details and customized financing scenarios.Lender Credit for Lender Fees and Appraisal costs. (appx. $2,500 value)About This Home:Stunning brand new Boise home offering the perfect canvas for your next chapter. Step inside and discover an inviting space designed with your comfort in mind. Upstairs, you'll find the cozy bedrooms or spend time gathering by the warm fireplace during the Idaho winters. Unleash your inner chef in the pristine, modern kitchen equipped with a gas stovetop, tile backsplash, quartz countertops, and top-of-the-line stainless steel appliances. Luxury fixtures throughout the home add a touch of elegance to everyday living. This property is a blank slate, ready for your personal touches and customization. Best of all, there's no HOA, giving you the freedom to make this home truly your own. Enjoy the convenience of a prime area near Fairview and Cloverdale Road, with easy access to local parks, restaurants, and daily amenities! This brand new home offers comfort, style, and endless possibilities in an unbeatable location. Full fence installation currently in the process of being scheduled!Pre-Approval and Financing:Our Team is ready to serve you! Contact us today to discuss your overall financing needs and goals. We'll customize lending solutions to give you the confidence, clarity and comfort you need to proceed with an offer on this home. From start to finish, we can complete the entire lending process in under 30 days.

Special Financing Options! – 263 S. Fusion Ave. Kuna, ID. 83634

Attention Buyers! Special Financing Incentives Available:Seller Credit For 2:1 Buydown Financing. Contact Preferred Lender Saul Bailey at Cornerstone Home Lending for full details and customized financing scenarios.Lender Credit for Lender Fees and Appraisal costs. (appx. $2,500 value)About this home:Welcome to the Henley at Indian Creek Ranch by Ninety Degree Construction! This spacious home boasts a versatile floorplan with a main level primary suite. Use the 4th bedroom as an office for added flexibility. The dream kitchen features a Bosch appliance package, island and a walk-in pantry. Relax on the oversized covered patio in your fully-fenced backyard. Indian Creek Ranch offers an outdoor oasis right in your backyard! Amenities in Indian Creek Ranch include relaxing by the pool, meeting friends and family at the community event area complete with pickleball courts, a bocce ball court, and a playground or enjoying the beach at the waterfront park. You'll love living in this amazing community!

Unlocking Homeownership: The New 5% Down Payment From Fannie Mae

Hello, future homeowners and savvy investors! I'm excited to share the fantastic news that could transform your thoughts on homeownership and real estate investing. Starting after November 18, 2023, Fannie Mae is introducing a groundbreaking change: they will now accept a mere 5% down payment for 2-, 3-, and 4-unit homes you plan to live in! ⚡️Why is this a Big Deal? ⚡️ Acquiring a multifamily home required a substantial 15-25% down payment for years. However, with Fannie Mae's new guidelines, purchasing such properties just became more accessible than ever before. Consider this: previously, buying a $500,000 triplex meant putting down $125,000. Now? Just $25,000! That's a significant $100,000 difference! ⚡️Why Consider a Multifamily Home? ⚡️ Buying a multifamily property isn't just about having multiple units. It's a strategic move. You can live in one unit and rent out the others, generating rental income. This can offset your mortgage payments and even provide a passive income stream. Plus, it's an excellent opportunity for budding landlords to gain experience. ⚡️What About First-Time Buyers? ⚡️ Good news! Even if you're a first-time buyer, in most scenarios, you can use projected rental income from your property to help qualify for the loan, as long as you're currently paying rent somewhere. This can significantly aid in affording the mortgage rates in today's market. ⚡️Why is Fannie Mae Making this Move? ⚡️ Fannie Mae recognizes many challenges in today's housing market, especially with rising rents and mortgage rates. Adjusting their guidelines aims to support credit access and promote affordable rental housing. This change means you could transition from renting a room to owning a multifamily property, all while fostering affordable rental opportunities in your community. ⚡️ How Much Can I Borrow? ⚡️ While the change is limited to standard conforming loan amounts (excluding high-balance loans in pricier areas), plenty of leeway remains. Here's a breakdown for 2023: 2-unit: $929,850 3-unit: $1,123,900 4-unit: $1,396,800 ⚡️When Can You Jump In? ⚡️ If this opportunity resonates with you, start immediately gathering your income, assets, and employment documents. While you can begin your application process now, some updates are still pending in Fannie Mae's systems. This includes details about asset reserve levels and rates from private mortgage insurance companies for these new loans. But don't let that deter you—be proactive and get a head start! ⚡️In Conclusion ⚡️ This is a transformative moment for prospective homeowners and budding landlords. With just a 5% down payment, you could be on your way to owning a multifamily property and reaping the benefits of homeownership and real estate investment. Reach out to us, and let's explore how this change can pave the way for your future in real estate!

Embracing Innovation: How Digital Tools Transform Open Houses

Revolutionize Your Open Houses with Digital Solutions Dear Listing Agents, In an ever-evolving real estate market, adapting to new technologies is critical to delivering exceptional service to your clients. That's why I'd like to introduce you to our innovative approach to open houses – the Digital Open House. Our unique property site is designed to provide a comprehensive and educational experience for potential buyers and buyer agents, utilizing a suite of digital tools to present your listings in the best possible light. ⚡️ Highlights Of A Digital Open House ⚡️ We can use some or all of the following features below. ⬇️ ➡️ Financing Details: We provide a unique Total Cost Analysis (TCA) video for each property. This breaks down all costs, payments, and options associated with purchasing the home, offering a transparent and comprehensive understanding of the financial aspects. ➡️ Property Tours: We can integrate any property tour videos you've created and uploaded on YouTube. Showcasing the house inside and out, these videos are a valuable tool for immersing potential buyers in the property. ➡️ QR Codes: Our special property QR codes can be printed and placed around the house during open houses. Once scanned, we capture consumer data, allowing us to provide personalized information about the property and financing options. ➡️ Rate Buy-Down Video: Leveraging my expertise in rate buy-downs, I can create a separate TCA report showcasing different rate buy-down options that could be utilized to purchase the property. ➡️ Traditional Property Flyers with QR Codes: We provide traditional property flyers alongside digital offerings. When scanned, these codes direct users to the property site URL for detailed information about the home. ➡️ Matterport Video: We can integrate this into our site if you have recorded a 3D Matterport tour of the property. This provides an immersive visual experience for buyers and their agents, giving them a comprehensive view of the property. ➡️ Appointment Scheduling Widget: Our property site includes a widget for scheduling calls using Calendly. This allows potential buyers or their agents to set up a 15-minute call to ask questions or discuss the property and financing options further. ➡️ Pre-Approval Widget: We have a widget with my contact information and an application for those ready to proceed with a link to the loan application. This streamlines the pre-approval process and gets buyers one step closer to their dream home. Our Digital Open House can revolutionize how you conduct open houses, enhancing the experience for potential buyers and increasing the chances of a successful sale. I look forward to supporting your next open house with these innovative digital tools. Sample Property Site -

The Solution is at Home!

Breaking down the buydown: Ideas, Options, Calculation Method

This short video provides general information about the various seller paid buydown products and how exactly, the product costs are calculated, benefits to each party, etc.

The #1 Thing You Need In Your Homebuying Journey!

Just like gearing up for an epic river journey, your home-buying voyage demands exceptional guides. Here's the #1 rule: enlist a top-tier realtor and lender to kickstart your adventure. Picture This: Imagine setting off on a river trip – the thrill of the unknown. To ensure a smooth ride, you'd hire a savvy guide who knows the twists, turns, and hidden gems. They'll navigate the rapids, spot the breathtaking views, and find perfect rest stops. In Home Buying, It's Parallel: Just as a guide on the river is crucial, a realtor and lender are your navigators through the complexities of home buying. We've got the expertise to steer you right, from finding hidden pitfalls to choosing prime stops. Expert Insight: We've steered thousands through this journey, while you might be on your first or second ride. Trust our seasoned guidance to get you where you want to be. Set Your Course for Success: Count on us for an enjoyable, stress-free experience that leads to the perfect home sweet home. From river rapids to mortgage matters, let's make your journey unforgettable!

I’m not ready to buy yet…..should I contact a lender?

Buying a home is a process, and I'm here to guide you every step of the way. Whether you're planning for the near future or a couple of years down the road, let's chat! Don't wait! Let's tackle your questions, map out a game plan, and make your home-buying experience smooth and enjoyable when you're ready. I look forward to talking with you soon! Saul

REALTOR Partners – Our Client Welcome & Approval Process

Welcome to the Saul Bailey Mortgage Team, where our personalized buyer pre-approval process is designed to ensure professional and attentive service. We work closely with real estate agents and their buyer referrals, focusing on a seamless and confident home-buying journey. ABOUT US At Saul Bailey Mortgage Team, we're more than a group of experts; we're a team available even during nights and weekends. Known for our "white glove" approach, we aim to provide exceptional care throughout every step. For more information, visit us at https://www.houseloan.com/saulbailey/about-me.html. ONLINE APPLICATION Before jumping into the application process, we hold a consultation to understand your client's unique needs. Then, we introduce our user-friendly online application which allows clients to upload documents and track their loan status conveniently from their phone. To learn more, go to https://www.houseloan.com/saulbailey/prequalify.html. NEW BUYER ZOOM CALL After reviewing the application, we hold a Zoom call to discuss loan options, including down payment, budgets, rates, and fees. To simplify the complex figures involved, we provide a personal Total Cost Analysis (TCA) that reflects the options covered during the Zoom call. Check out an example TCA at https://mcedge.tv/syj41p. PRE-APPROVAL PACKAGE Our comprehensive pre-approval package reassures listing agents and sellers about the borrower's approval and their partnership with a competent and thorough lending team. Visit https://saulbailey.lenderlaunchpad.com/presentation/90004 to view an example of our pre-approval package and new buyer welcome page. CONTACT US We're excited to demonstrate how we help our real estate partners win more offers and close more deals. To experience our exceptional service firsthand, schedule a meeting at https://www.houseloan.com/SaulBailey/ or reach out to us at saul@saulbaileyteam.com. You can also call us at Washington: 425.750.2594 | Idaho: 208.789.6405. Join us at the Saul Bailey Mortgage Team, where we're dedicated to your clients' successful journey to homeownership.

Our New Client Pre-Approval Process And Resource Links

Welcome to the Saul Bailey Mortgage Team! Our personalized Pre-Approval process is crafted to prioritize your unique needs, ensuring a smooth and reassuring home-buying journey. We're here to provide guidance, share expertise, and foster confidence at each step of the way.ABOUT US:We are more than your mortgage team; we're dedicated professionals working 'round the clock, including nights and weekends, to serve you. Renowned for our "White Glove, 5 Star Service," we aim to exceed expectations in all aspects of the home loan process.Discover more about us here:https://www.houseloan.com/saulbailey/about-me.html INITIAL CONSULTATION AND ONLINE APPLICATION PROCESS:Our journey together begins with a personalized consultation to understand your unique needs and aspirations. Following this, we introduce you to our easy-to-use online application, allowing you to upload documents and track your loan status, all from the convenience of your phone.Start your home-buying journey here:https://www.houseloan.com/saulbailey/prequalify.htmlNEW BUYER ZOOM CALL OR IN-PERSON MEETING:After completing your Pre-Approval, we will conduct an in person or Zoom call to guide you through all loan options, including down payments, budgets, rates, and fees. To simplify complex financial figures, we provide a custom Total Cost Analysis (TCA) reflecting the options discussed during the call.To get a glimpse of a TCA, visithttps://mcedge.tv/4ftxtb.PRE-APPROVAL PACKAGE:Our comprehensive Pre-Approval Package assures all parties of your readiness and our dedication to your home buying journey. Our meticulous approach underscores our commitment to delivering a successful home buying experience.NEXT STEPS:We're thrilled to accompany guide you through the financing process of your home buying journey. Lean on us for questions, advice and needs as you move along through the process!https://www.houseloan.com/SaulBailey/Join us at the Saul Bailey Mortgage Team, where we're dedicated to fostering your confidence and certainty on your journey to homeownership. We can't wait to work with you!

Reviews

"Matt and I experienced excellent customer service from Saul Bailey and his team at Cornerstone!"

linda hermanson

"I had a great experience with the Saul Bailey team. I specifically worked with Saul and Susannah. They were very professional, courteous, and helpful throughout the whole process. They offered me a competitive rate and a flexible repayment plan that suited my needs. They also communicated with me regularly and answered all my questions promptly. I would highly recommend this lender to anyone looking for a reliable and trustworthy partner for their financial goals."

ritika gupta

"Such an experienced team that’s very easy to work with! We were so happy to go through Saul’s team to get our home loan. Saul is great at walking you through all of the different options and strategies and the whole team made submitting all the documentation a breeze. Can’t recommend them enough!"

orin reynolds