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Most metropolitan areas, no matter how thriving their economy is, will have a few foreclosures. And Boise, Idaho is no different. Boise foreclosures are excellent real estate options for those interested in purchasing a home for a more affordable price. In Boise, foreclosure homes will range from under $100,000 to over $400,000, with varying amounts of listings depending on the year, the season, and the contemporary economy.
When looking into a home that is foreclosed, it is important to note the details to purchasing one of these properties. This includes the type of sale the property is. With a foreclosure home, there may be a short sale, where the home will sell for less than is actually owed. This will most likely make the home more affordable. However, short sales are more likely to fall through, so some real estate agents may advise against them.
The most common type ofsale for a foreclosed home in Boise, Idaho is an auction. The bank that is foreclosing a home will market it on Boise’s MLS and other areas, designate a set auction date, and sell the home to the highest bidder. In this scenario, there is also a high possibility of getting a home below its value. However, if you manage to outbid the other buyers and purchase the foreclosed home, the bank will rarely negotiate repairs to the home. Most of the time, you will get the home how it is.
Before you purchase a foreclosed home, make sure to get a pre-approval letter from your lender to ensure that your transaction will have as little complications as possible. Also, consider contacting a real estate agent to help you through the process.
Idaho’s Foreclosure Policy
Boise, and the rest of Idaho, follows non-judicial foreclosure rates. This means that if the homeowner does not object to the foreclosure, then the court is not required to be involved with the process. If, however, the homeowner has the opinion they are being treated unfairly, they can indeed take the matter to court. This rarely, if ever, happens.
In Idaho, a foreclosure occurs when a payment is not made to the mortgage. The homeowners will receive a Notice of Default in the mail and are given a certain amount of time to make a payment. If they do make the payment, then the process does not continue and their home is no longer pending for foreclosure. If, however, they do not make the payment, then a Notice of Sale is sent to them and the house is put on the market for sale. During this step, the homeowners are still given the opportunity to make the necessary payments. If they do not, they are given a date in which they have to vacate the home to be sold.
Living in Boise
If you do decide to purchase a home off of Boise foreclosures for sale, you will have access to everything that the Boise area has to offer. Whether you want to get outdoors or would rather spend your day within Boise highly developed urban center, this beautiful capital city has something for you.
Are you looking to get outdoors? Boise’s incredible public park areas are excellent places to spend your time enjoying Idaho’s varied seasons. Kathryn Albertson Park includes paved paths between acres of greenery, as well as places to enjoy nature and watch wildlife. You can also visit the oldest and most popular park, Julia Davis Park. This one not only includes a grassy area, but also many of Boise’s amenities including the Discovery Center, the Boise Art Museum, Idaho Historical Museum, and the Boise Greenbelt.
The Boise Greenbelt itself is a great place to get outdoors. It is a 20 mile long paved pathway that travels alongside the Boise River. This trail, which connects most of Boise’s city parks in what is known as the Chain of Jewels, is used for fun and easy travel in the Boise area. Most swimming areas in the Boise River can be accessed from the Greenbelt.
For those who want a more rugged way to get outdoors for a day, the Boise Foothills to the northeast of Boise is lined with trails leading up to Table Rock Plateau and Camel’s Back Park. This high desert terrain is often rocky and lined with a wide variety of wildlife, and is often considered excellent for hiking, biking, horseback riding, and ATV motoring.
Some people want to get into the outdoors for more than a day. If this is you, try visiting the Boise National Forest. There are dozens of camping sites in this area, both developed and less developed. Go overnight, a weekend, or longer to get outdoors. While camping, there is an array of activities including swimming, hiking, bird watching, horseback riding, four-wheeling, fishing, and more.
Looking for a more urban environment? Boise may still be for you. Traverse Downtown Boise for local clothing shops and boutiques. For larger department stores, try the Boise Towne Square mall, the largest shopping center in the Boise Metropolitan area. If you want an outdoor shopping center that was designed in the European style, visit The Village at Meridian.
Surrounding communities like Meridian may not be part of Boise proper, but are in such close proximity to the capital of Idaho that residents can enjoy businesses and attractions from all over the Treasure Valley with ease. Other cities in the Boise Metropolitan area include Eagle, Star, and Kuna. For those who want to enjoy all that Boise has to offer but find a home that are outside of its limits, these are also great places to live. Look into the Boise area for your next home today!
IDX information is provided exclusively for consumers' personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. IMLS does not assume any liability for missing or inaccurate data. Information provided by IMLS is deemed reliable but not guaranteed.
Listing information last updated on April 27th, 2017 at 10:37am MDT.