Idaho Vacation Spotlight: Sandpoint

Vacation Spotlight: SandpointThis weeks vacation spotlight is about Sandpoint! There are a TON of small Idaho towns to visit, and right at the top of that list is Sandpoint. Situated in the heart of the northwest, this small town of about 7500 is an absolute GEM of a vacation spot! Strongly featuring some great local food, and a ton of places to stay right on the lake, you are sure to enjoy your time spend in this little lake town. For starters, the food here is AMAZING! There are several awesome restaurants you will Vacation Spotlight Sandpointwant to eat at. Breakfast here starts early and is good at all the local diners. Our particular favorites have to be the amazing Mexican/American fusion breakfasts at Joel’s, and anything on the menu at Panhandler’s. Their pies are the things of legend, and they are the best anywhere I’ve tested in North Idaho! Stick to their breakfast menu, and you will be a huge fan of their laid-back atmosphere and really satisfying food. After you stuff your face with food, there is a ton of shopping just down the street from Panhandler’s. All the local boutiques are right down the street and feature a ton of local artists and crafts. Its about a 2 hour shopping trip down the street, and that will prep you for lunch. All the locals know to eat at McDuff’s Pub! The food is amazing and the beer is some of the best in the northwest! If your in the mood for a bit lighter fair you can get a great lunch salad at Laughing Dog. Both breweries have great lunch menus and will set you back less then 15 bucks with an ice cold Vacation Spotlight: Sandpointbrew! Eat quickly though, because afternoon is the perfect time to check out the lake. There are several marinas that will rent you a boat for under 100 bucks, but I might suggest walking on the beaches. There are a few nice little parks along the waters edge walking distance from where you just had lunch! If you like golfing there are 2 courses SOMEWHAT close to Sandpoint. Priest River and the Elks. Both are easy courses, and make for a good couple hours after a light lunch. Depending on the season your visiting there are many art and beer festivals, and a ton of hiking trails as spring starts to break into summer.

The true highlight of the trip will be your dinner. There are so many great dinner spots its hard to just pick a few! The Hydra Steakhouse is the BOMB. Everything on the menu is super good. No matter what you end up eating, SAVE SPACE for a mud pie. Trust me, their amazingly tasty. Trinity has great seafood dishes and has an amazing location as well. If your hoping to save a few bucks, you can hit up the brewery you missed for lunch, or stop in to Spud’s or Jalapeños. Both feature great price cuisine that is delicious. After dinner, sitting on the beach watching the sunset is THE BEST thing you will do on the whole trip. Really, this is what vacations are about. Great food and relaxing. So pull up a chair and enjoy. Theres more to do in Sandpoint, but who really cares? Enjoy the view, theres more activities tomorrow!Vacation Spotlight: Sandpoint

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Common mortgage questions answered!

mortgage questionsThere are a lot of people out there seeking home mortgages, but very few are going to find a fair, secure loan. Most will end up paying far too much, and others won’t be able to afford the terms. These are obviously traps you want to avoid like the plague, and thus it’s in your best interest to learn more about the lending process before proceeding.

Get a pre-approval letter for your mortgage loan. A pre-approved mortgage loan normally makes the entire process move along more smoothly. It also helps because you know how much you can afford to spend. Your pre-approval letter will also include the interest rate you will be paying so you will have a good idea what your monthly payment will be before you make an offer.

As a first-time homebuyer, you may qualify for government programs. These government programs often work with individuals with lower credit scores and can often assist in finding low interest mortgages.

Really think about the amount of house that you can really afford. Banks will give you pre-approved home mortgages if you’d like, but there may be other considerations that the bank isn’t thinking of. Do you have future education needs? Are there upcoming travel expenses? Consider these when looking at your total mortgage.

mortgage questions

Pay off your mortgage sooner by scheduling bi-weekly payments instead of monthly payments. You will end up making several extra payments per year and decrease the amount you pay in interest over the life of the loan. This bi-weekly payment can be automatically deducted from your bank account to make it easy and convenient.

Look closely at lenders. There are many companies willing to lend you money to finance your home. They are not all equal. Look into the reputation of the lender and try to talk to people who have their loans through them. Reputations are hard to hide, and you will want to know how your potential lender handles business.

Mortgage rates change frequently, so familiarize yourself with the current rates. You will also want to know what the mortgage rates have been in the recent past. If mortgage rates are rising, you may want to get a loan now rather than later. If the rates are falling, you may decide to wait another month or so before getting your loan.

The more you know about home mortgages, the better off you’ll be when it’s time to sign the papers. By using tips like the ones provided to you above, you can avoid a lot of the traps and scams that snag so many others. Just take your time, learn about the subject, and never sign anything unless you understand it.

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Mortgage tips you need to know!

mortgage tipsGetting a home mortgage can sometimes be very difficult. If you are looking for your dream home and in search of a mortgage, then you will want good information about what to look for. Continue to the article below for many tips on how to go about choosing the right home mortgage.

When you get a quote for a home mortgage, make sure that the paperwork does not mention anything about PMI insurance. Sometimes a mortgage requires that you get PMI insurance in order to get a lower rate. However, the cost of the insurance can offset the break you get in the rate. So look over this carefully.

Before getting a mortgage, study your credit history. Good credit is what can help you get a mortgage. Obtain copies of your credit history and scores from the three major credit-reporting bureaus. Study your reports carefully to ensure that no issues or errors must be resolved before you apply. Many lenders need a minimum score of 680, which complies with Freddie Mac and Fannie Mae’s guidelines. Most lenders want to avoid scores that are lower than 620.

mortgage tipsTry shopping around for a home mortgage. When you do shop around, you need to do more than just compare interest rates. While they’re important, you need to consider closing costs, points and the different types of loans. Try getting estimates from a few banks and mortgage brokers before deciding the best combination for your situation.

Before you refinance your mortgage, make sure you’ve got a good reason to do so. Lenders are scrutinizing applications more closely than ever, and if they don’t like the reasons you’re looking for more money, they may decline your request. Be sure you can accommodate the terms of the new mortgage, and be sure you look responsible with the motivations for the loan.

Get pre-approved for a home mortgage before shopping for a new house. Nothing is worse than finding the perfect house, only to find out that you can’t get approved for a mortgage. By getting pre-approved, you know exactly how much you can afford. Additionally, your offer will be more attractive to a seller.

Finding the right home mortgage for your situation can sometimes be a confusing process. Many people are not familiar with how to begin the process of seeking a home mortgage. Thankfully the article you just read was packed full of quality tips that should have left you feeling like an expert on the subject of home mortgage.

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