2631 W Sky Wood Drive Eagle Idaho ~ $524,900.

Take a moment to check out our newest listing in Timberland Estates, Eagle Idaho.  Custom built, one owner home situated on .85 acres.  This single story home with upstairs bonus room features 3 bedrooms, 3.5 baths, formal dining and vaulted living area.  The kitchen has all the goodies any chef would desire including two pantries, double ovens, granite counters and is open to the eating  and living area.  An 18×13 workshop, separate from the garage,  is a plus for any hobbyist. Bedroom 2 has a full bath attached and would be a terrific second mini master. Property includes apple, peach, and plum trees with permanent garden shed and garden area. Lots of quality in this house with hardwood floors, tile and custom woodwork. If you love lots of storage and a bit of elbow room, this might just be your new home.

2631 W Sky Wood Drive

For more photos and details of this fine home click here.

To visit this home, please call today at 208.890.8390

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Energy Saving Alternatives Can Save You Some Greenbacks

These hot summer days make me cringe at the thought of my next power bill.  When the air conditioning unit come on I can see the greenbacks floating out of my checkbook.

I don’t currently have any alternative energy sources but I am considering it for my next home building project.  Nice to know that there are a few federal tax credits for those that choose to make some energy efficient home improvements.Image

Not all energy efficient improvements qualify. You can get credit for the following:

  • geothermal heat pumps that meet the Energy Star program requirements.
  • small residential wind turbines
  • solar water heaters ~ not applicable for hot tubs or swimming pools.
  • solar panels ~ must meet current building codes.
  • fuel cells

The residential energy tax credit helps individual taxpayers pay for residential alternative energy equipment. It is only good thru 2016 so move fast if you plan to install some of these energy efficient improvements.

This credit is not available on rental properties, only on your primary residence or second home.

If you’re eligible, you can claim this credit on Form 5695,  Residential Energy Credits when you file your federal income tax return.

For all the details, see IRS Notice 2009-41, which you can download from www.irs.gov. Click here for the direct link to form 5695.

Stay cool my friends and thanks for stopping by my blog.  If you are ever in need of a friendly Realtor with lots of experience, please give me a call at 208.890.8390 or send me an e-mail @ iGroupRE@gmail.com

Love To Cook? You Might Just Like This Kitchen!

ImageHomes are moving quickly in this sought after Meridian neighborhood.

Don’t wait too long before taking a peek at my newest listing in Settlers Bridge.

Click here for a video tour

Click here for more property details

Thanks for stopping by my blog…..

Hot Tips for a Cool Summer in Boise

hot in boiseSummer time has hit the Treasure Valley in a big way! With temperatures here expected to stay in the triple digits for several days in a row it may seem as though we went right from the winter chills to the summer sweats with little in between!
To help my friends and followers stay cool this summer I’ve put together some links to great articles full of ideas on how you can stay cool and even keep your pocket book happy along the way as well!

Deck Makeover for Under $300
Is your patio or deck a sweltering pool of misery come summer time? Think that adding features to your favorite outdoor spot is outside of your budget? Here are some great tips on how you can improve your deck and add value to your home for less!

Trim Your Summer Electric Bill
Sure as the sun is hot, the power bill goes up every Summer. While it is somewhat unavoidable as we must use more power to better cool our homes during extreme heat there ARE some things you can do to at least help keep the costs down.

Is Your Ceiling Fan Turning the Right Way?
Believe it or not this can make a BIG difference regarding how well your ceiling fan cools you and the room. Should it be clock-wise or counter-clockwise? How can you tell? Follow the link to find out!

courtesy of House Beautiful

Yummy Bonus Tip: Avocado Sandwich Recipe!
Perfect for the poolside palette this delicious vegetarian sandwich is sure to please! Tangy, juicy, crunchy, and tasty, this wonderful summer recipe from House Beautiful can be put together quickly and easily for patio parties!

This can save you thousands of dollars but don’t tell anyone, it’s a secret…

Have you ever dared to look at the total amount of interest you’d pay if your mortgage went to a typical 30 year term?  Yikes!  Want a few simple ways to cut that interest down to size? Found this great article written by Barbara Bayer that I thought some of you might enjoy.

Send in extra money to pay down principal 

In the mid-1970s, Marc Eisenson coined the term “banker’s secret,” which promoted a cost-saving idea: Pay more than required on your monthly mortgage, and you’ll save a pile of money. Eisenson says, “It was a secret that bankers knew, but didn’t share with their customers.”

Here’s how it works. If you take out a $200,000 30-year mortgage at an interest rate of 6%, and hold it to term, you’ll pay a total of $382,537.97 for your home, including interest of $182,537.97. However, if you send in just $100 each month in additional principal, you’ll save more than $49,000 in interest over the term of the loan.

There’s another huge perk: You’ll pay off the loan five years and five months ahead of schedule. This strategy puts you in total control of the restructuring process, and there are no fees involved.

Another way to pay off your loan early is to use a bi-weekly payment plan. Banks and third-party companies can implement this plan for you, but they’ll charge hundreds or thousands of dollars in fees. We don’t recommend you pay for the service unless you lack the self-discipline to make the payments yourself.

With this strategy, you make half your monthly mortgage payment every two weeks, which equals 13 payments a year instead of 12. With bi-weekly payments on a 30-year $200,000 loan, you’ll save more than $49,000 in interest over the course of the loan, and pay it off approximately five years earlier.

Other ways to easily do it yourself:

  • Make one additional mortgage payment per year at any time.
  • Divide your monthly payment by 12, and add that extra amount each month when you pay your mortgage.

Recast mortgage for lower payments

If you want to lower your monthly payment and have at least $5,000 to contribute, you can request a mortgage recast. In this scenario, you don’t change the interest rate or term of your mortgage, you change the principal balance, and the term begins anew.

Here’s how it works: After 10 years of paying your 30-year mortgage with a 6% interest rate and a monthly payment of $1,432.86, your balance is $200,000. With a mortgage recast, you contribute an additional $20,000, and have a new principal amount of $180,000, with the same remaining 20 years to pay it off at 6%. However, your new monthly payment is $1,289.58, for a savings of $143.28 per month.

There’s a small fee for this service — approximately $250. The bank gets nothing out of this except retaining your loyalty, so they don’t promote it. It’s up to the lender whether it’ll do it, so all you can do is ask. It’s also likely to be a lengthy process. You have nothing to lose, however, except a higher monthly payment.

Refinance your loan

The most common way to restructure your loan is with a mortgage refinance, where you replace your current mortgage with a new one at a lower interest rate. If you took that same $200,000 balance on your 6% mortgage and refinanced into one with a 5% interest rate, you’d reduce your monthly payment from $1,199 to $1,074, saving $125 monthly.

Refinancing may be challenging to get approved for in a tight lending environment, where you need stellar credit scores and a steady job history. You’ll also need to pay closing costs, which can run 3% to 6% of the loan amount.

These tips are appropriate if you’re current on your mortgage and have extra money. Struggling home owners should consider the government-sponsored Home Affordable Modification Program (HAMP) for mortgage restructuring.

 

 

A strong work ethic and trustworthiness will set you apart…

I can’t tell you how exciting it is when I receive feedback from a client like this.  I am not only a proud broker but in this particular case a proud mom.  What a joy it is for me to have both of my daughters as licensed real estate agents working for Integrity Group.  I began my journey in real estate prior to having children and now am fortunate to have them both working by my side.
A client testimony ~   May 2012
“Kristina Cleaver was enthusiastic and helpful from start to finish, and ultimately due to her perseverance in searching, she found me the right home.
I would recommend her to anyone! She would serve the experienced home-buyer or investor just as well as the first time home-buyer. Mentored by a seasoned real estate agent with a wealth of experience, Kristina brings enthusiasm and persistance that is unique to her along with the resources and information of someone who has been in the industry for years. Another notable aspect, and perhaps the most important, is Kristina’s demonstrated level of trustworthiness. This is paramount in reducing stress and time for the buyer or seller, where certain items can be delegated to her that one may feel uncomfortable in leaving unguarded.
I strongly recommend Kristina to anyone dealing in real estate. Her strong work ethic, perseverance, pleasant personality, and trustworthiness set her apart in an excellent way.”
A. Chiles
For all of your real estate needs, call the agents you can trust at 208.890.8390   Visit our website here for more client testimonies.  Contact Kristina direct at 208.890.1204