Because of the rising home prices we developed a program that would help you save money and in most cases you'll be able to have
instant equity in the property once you close on it.  

One of the draw backs to most Rent-To-Own programs is that the only homes that are available, are homes that sellers own and are
willing to do a Rent-To-Own with the buyer.  This really limites the buyers choices as to homes that they could choose from.  Also be
careful of owners doing rent-to-own programs.  A lot of them will want to adjust the price of the home to Market Value at the time you
decide to buy the property.  Caution!  Something to watch out for is if the owner is having you make your payment directly to him.  
There have been cases where the buyer has made the payment directly to the seller and the seller has not paid the mortgage
payment.  The buyer wasn't aware and the home went into foreclosure.  The buyer lost all of there down payment monies and had to
move out of the home.   

So what we've done is develop a Rent-To-Own program that gives the buyer a choice of any home that is currently for Sale on the
MLS or For Sale By Owner.  We are able to do this by developing a group of investors that will purchase the home for you and lease it
back to you with an option to purchase.  We use a third party Escrow Company that you make your payment to each month. Then the
Escrow Company sends the payment to the Mortgage Company insuring that payment is being made.  

New construction works great for both the investor and you (the buyer).  As the buyer you can choose your own interior and exterior
colors.  If you need help with a down payment it's easy to include sweat equity.  Also all new homes come with a 1 year structural and
mechanical warranty.  That means that anything that should go wrong with the home including plumbing, electrical, appliances would
be covered under the builders warranty.  We can also include in the price of the home blinds, fencing, sprinkler systems, fridges,
garage door openers, landscaping etc.   Don't think that you have to wait for your home to be built (unless you want to build it from
scratch).  New construction includes any existing homes that haven't been lived in.

How does the program work?  

You decide on a home that we help you find.  The payment is figured based on the Sales Price of the home.(The listed price that the
investor buys it for).  Depending on the investor they will require $3,000-$5,000 down payment and the first months lease payment
prior to occupying.  The down payment will be credited back to you at the time you close on the property.  You'll have 1-3 years to
qualify to buy the home.  You'll make a minimum payment to the third party escrow company each month.   If you would like to pay
more than the minimum payment and have it credited towards the sales price of the home when you buy it, you may do so.  You as the
buyer will be responsible for all utilities and repairs to the property.  You will have the right to landscape, paint and decorate as you
please as long as it is within the CC&R's set by the subdivision that the property is located in.   Once you become qualified to
purchase the home you notify the investor and close on the home.  It's as easy as that.

So what are the advantages?

1.)  You get to choose the home thats right for you.
2.)  The Sales price doesn't increase while your Leasing the property.
3.)  You gain equity in your home when home prices increase or by doing improvements to the home.
4.)  You have the freedom to decorate and make improvements to your home.
5.)  Your monthly Lease payment will not increase during the Lease Option period.  (Most rentals have a yearly rate increase).
6.)  You save on moving expenses.
7.)  Pride of ownership

For more information about this program please contact us.                       
boisehomes4you.com
"RENT-TO-OWN"
EXPERTS ADVICE:
Things to consider when your housing needs change
HOME BUYING-PRIMER
5 Tips to help you prevent first-time buyers' mistakes
SENIOR LIVING
6 Tips for evaluating a senior living community
WHAT TO EXPECT FROM A BUYERS'
AGENT
4 Tips to help you work with your agent
IS RENTERS INSURANCE WORTH IT?
Learn how it won't break the bank and give you
some added peace-of-mind
ARE YOU READY TO BUY A HOME?
Advice for the first-time buyer
Davy Thomsen
"On The Move For You!"
8100 W. EMERALD SUITE 170   
BOISE ID.  83702     208.846.9302
DAVY'S CELL:         208.409.6399
Fax:                         208-846-9301
Email:                      davy@kw.com
EMAIL ME AT
davy@kw.com
I am one of only a few
Certified Short Sale Specialists
in the Boise Area