October 29, 2018 | Saige Hartman

That doesn’t seem fair, so in order to preserve the spirit of Halloween week for house buyers, here is a theme-appropriate tale with half a dozen shriek-producing plot twist endings:
(Turn down the lights).
Imagine an innocent couple—after an uneventful series of house showings, they finally find the home of their dreams! They apply for the home loan; all they have to do is await approval…
It’s a dark and stormy night. Now the phone rings! It’s the bank; the phone is on speaker as we hear the bone-chilling voice that says:  
  1. “Is it true that you just changed jobs two weeks ago?”
  2. “Soooo, last Tuesday you decided to buy a bunch of furniture for the new house—on credit?”
  3. “That big one-time deposit into your bank account. It came from…where, exactly?”
  4. “Looks like you forget to list that personal loan balance of $12,315?”
  5.  “I see you bought a very nice car last week. Very. Nice.” 
  6. “Eight credit inquiries in the past two months? Really—eight?”
 Credit missteps like these can turn into trap doors on the path to owning a home. But such scary Halloween plot twists will just be make-believe—especially for Boise house buyers who have the benefit of teaming up with a licensed Boise real estate professional. Whether buying or selling, I hope you’ll give me a call—the earlier, the better!        


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