Smith & Coelho Real Estate - Direct: (208) 955-1700 - Fax: (208) 955-1701

General Information

Getting the best deal

What have similar properties sold for in the immediate area? How long were they on the market? How does this one compare? Is it over-priced, under-priced, or fair value? What type of market is it - is it a Seller's, Buyer's or a Balanced market? By having this information at your fingertips, you are in a position to negotiate the best price and take advantage of any opportunities that may show up.

Many people commonly use the terms Salesperson, Broker, Agent and REALTOR® interchangeably, as if they are all one and the same. The truth is that these terms have different meanings and we should be careful in their use.
Read through our list of the most common buying and selling mistakes to avoid.  By simply reading over this list it can help you to save thousands of dollars and position yourself for a very easy transaction. 
Buying or Selling a home is a complex and stressful undertaking. Getting an expert to help will save you time, money and aggravation.

Mortgage Calculator  or  Mortgage Pre-qualifier

Want to prequalify for a mortgage? Our mortgage pre-qualification calculator shows how lenders see you. See how much you can afford based on yearly income, debts & other factors. Our mortgage pre-qualification calculator will indicate how much you can borrow with a home loan by analyzing your income, assets, and current mortgage interest rates available to you.
Basically, a mortgage is just a loan that is to be used to finance the purchase of property. The property itself is used as security to ensure repayment and the lender holds the title or deed to the property either directly or indirectly (depending on your jurisdiction and type of lender) until you have repaid the entire amount plus interest. 
Fixed-Rate Mortgages, Adjustable-Rate Mortgages, 2-Step Mortgages, Conforming & Non-Conforming Mortgages, Balloon Mortgages, (FHA) Federal Housing Administration Mortgages, (VA) U.S. Department of Veteran Affairs and Fannie Mae and Freddie Mac.  Learn a little about the best available option for you.
We have provided the following mortgage worksheet to help you compare different mortgage products. It is meant to be downloaded and printed as many times as needed.  Right click the the Web Browser Window and then click on the "Print" button. Repeat this File/Print procedure to obtain as many copies of the worksheet as needed.