Local Advantage

The Advantage of Using a Local Boise Lender

Purchasing a home can be quite competitive, especially when there are more buyers than sellers. You need every edge you can get when negotiating with a seller.

Many local realtors advise their clients that using a local lender with brick and mortar office can give them a huge advantage in the negotiation.

Here Are the Top 5 Reasons That Many Realtors and Sellers Prefer Working With Local Boise Lenders:

  • Real Estate transactions are notoriously complicated. Being able to sit down with a local lender can provide great peace of mind. Online lenders often operate phone queues. You might end up talking with a different agent each time you call. If an online lender is slow to return your call or process your loan, there isn’t a lot you can do about it. If a local lender is slow to return calls you can drive down to their office for a face-to-face meeting. Hopefully, any lender you choose is responsive, but it can be advantageous to stack the cards in your favor.
  • Local lenders typically rely on reputation and referrals for the lifeblood. The chances you will be viewed as “just another loan file” rather than a person are a lot less likely. Loan Officers who work on a referral basis rather than by getting online leads are highly motivated to keep you happy.
  • Every real estate transaction involves multiple parties. Appraisers, Inspectors, Realtors, Title Companies, Escrow Companies. Home Owner’s Insurance. Mortgage Insurance. Contractors and more. Working with someone who has a good relationship with local industry professionals can often make the transaction go quicker and smoother.
  • Market Knowledge. Often out of town or online lenders are not familiar with local market quirks. For examples, VA loans require termite inspections in some areas of the country, but not others. They are rarely required in Idaho and not having to just through this unnecessary hoop can save you time, money and stress.
  • Local Economy: Local professionals live and work in the local community. The money you spend with them often ends up being spent locally and helping the local economy.

To discuss the loan approval process with a local lender, call one of our Home Loan Specialists at (208) 388-0500

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