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BUYER SERVICES

We're here to help you find the home of your dreams. With a team of experts guiding you every step of the way, our extensive knowledge and experience will ensure you have the best home buying experience possible. Download my Buyer Packet Here. 

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SELLER SERVICES

We take the stress out of selling your home by providing a seamless experience from start to finish. Our team will put you in the best position to market your home and sell it for the highest possible price. Download my FREE seller packet here. 

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Preferred Professionals

Here is our list of preferred professionals! Because we value our clients we have compiled this list as a resource for you when searching for a qualified professional. Those who are listed here have been rated highly by past clients that we have worked with and have highly-rated services. We welcome additional suggestions for this list as well as future feedback for those currently on this list.

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H

Home Inspector

L

Lender

BUYERS-WHAT YOU NEED TO KNOW ABOUT LOANS

How much do I need for a down payment on a home?

The amount you'll need for a down payment can vary depending on the type of loan you choose and your personal financial situation. While a 20% down payment is often cited as the standard, many homebuyers, especially first-time buyers, put down much less.

 

For example:

🔹Conventional loans may require as little as 3% down.
🔹FHA loans typically require a 3.5% down payment.
🔹VA and USDA loans may offer 0% down options for eligible buyers.
🔹Idaho-specific programs and local down payment assistance options can help reduce the upfront costs even further.


To find out what you might qualify for and what your exact down payment could look like, I recommend contacting one of the three preferred lenders listed under the "Vendors" tab on my site. They can walk you through your options based on your specific financial profile.

What’s the difference between pre-qualification and pre-approval?
How does my credit score affect my mortgage rate?
What are closing costs, and how much should I expect to pay?
How long does the homebuying process usually take?
Can I buy a home if I’m self-employed or have irregular income?
What’s included in my monthly mortgage payment?

MORTGAGE CALCULATOR

Use our home loan calculator to estimate your total mortgage payment, including taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan, to calculate your mortgage payment, schedule, and more.
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Your mortgage payments over 30 years will add up to $0.
Get more info from a local expert!
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GET MORE INFORMATION

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Phone*

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Kim Brown

+1(707) 307-3807

kimbrownsellsidaho@gmail.com

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