Listing Details: Jerome, Hagerman and Twin Falls, Idaho Real Estate Listings & Homes For Sale Provided by BJ Ross

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Reduced - Great agricultural home

$179,500 Just Reduced!

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Address: 2382 Ritchie Road	City/ST: Hagerman, ID	Zip Code: 83332
Property Type: Single Family Home	New or Resale: Resale	Square Footage: 2080
Bedrooms: 4	Bathrooms: 2 full, 1 half	MLS# 98409401

This home and 5 acres is just waiting for you to raise a few animals, grow a great garden, put up some fruit for the winter and heat your home for pennies! 4 bedrooms, 2.5 baths, covered patios with a hot tub on one, large double garage, fireplace in living room and a free-standing wood stove in family room. Out buildings include a well built chicken house, loafing shed, grain bin, 2 corrals, all the equipment to water.

Last Updated: 1/8/2010 2:05:39 PM

Listing Agent and Office: Kitty Martin, Canyonside Irwin Realty Inc., Hagerman

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Financing Your Home >Mortgage Fears

It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!

Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.

Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.

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Q	What does "contingency" mean in real estate?
A	A contingency is a specified event that must take place before a home purchase contract is binding; for example, a sale can be said to be "contingent upon the sale of the buyer's current residence."
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BJ Ross, REALTOR�, real estate agent and broker for Jerome, Hagerman and Twin Falls, Idaho home listings, property and land for sale - NUMBER1EXPERT

BJ Ross
Canyonside Irwin Realty
700 S. Lincoin
Jerome, ID 83338
208-539-0795
Fax: 208-324-3363
bjross@NUMBER1EXPERT.com

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