Tim Baldwin - Mortgage Loan Officer

10/25/2024

5.0 star review received on Experience.com for Tim Baldwin by April C - Tim kept open communiciation and informed at all levels of this transaction.

Click to see all 4 reviews of Tim Baldwin, Mortgage Loan Originator | NMLS # 201665

10/10/2024

4.83 star review received on Experience.com for Tim Baldwin by Gordon H - Tim and staff is on top of their game. The best part they track all the clients next actions with polite reminders when you’re asleep at the wheel, as it gets a bit confusing at times.

Click to see all 3 reviews of Tim Baldwin, Mortgage Loan Originator | NMLS # 201665

09/30/2024

Seeing Ashton Jeanty play in person Saturday was amazing. Then to watch the televised game with close ups and replays of his explosive runs and extra effort made it even better. You hear alot about "God given talent". And yes, that makes a difference. But guys like Jeanty, and Leighton Vander Esch didn't become some of the best players in all college football because of God given talent. The work in training and the weight room is clear. But the extra effort on every down, really separates them from the competition. When you see Jeanty run like his life depends on getting that extra yard on every play is just amazing. This play was no exception. Broken tackle after broken tackle on this play, then a lunge to the end zone. Watching something very special here folks!

09/03/2024

We are sponsoring the breakfast before the Give Back Gold tournament this Thursday at Falcon Crest Golf Course. If you are going, see you there!

We look forward to seeing our all of our golfers out on Thursday, September 5th at the Falcon Crest Golf Club (11102 S Cloverdale Rd, Kuna, ID 83634) for the Give Back Golf Tournament! This is our largest fundraiser for the REALTOR® Community Foundation (RCF). This year, proceeds from this event wi...

08/26/2024

With the feds expected to cut interest rates next month, should you wait to talk with a lender to get prequalified to buy a home? The short answer is... it depends. Those that were in the home buying market a few years ago, when mortgage rates hit all time lows, know that while lower rates equal lower mortgage payments, low homes for sale inventory and bidding wars for homes are less than ideal, and left many home buyers frustrated as they were unable to buy the homes they most desired. If you are in the buying market, and see the home for sale that fits your needs, and you are able to afford it now, most experts agree in purchasing now. If/when rates do fall, refinancing is always an option. For some, that are working on credit repair, or simply can not afford to buy at this time, and need lower rates for lower payments, then waiting may be the best option. Keep in mind however, if rates decrease, but the cost of homes go up, there may be no net savings by waiting. So, there are many things to consider. My advice, if you are ready and financially able to buy, reach out to an agent and lender now. It doesn't hurt to have a conversation and find out if buying now makes sense for you. I/we lend in 44 US states and have some great buyer incentives to save in closing costs and/or buy down your mortgage rate with lender credit. PM me with questions. Tim NMLS 201665
https://www.youtube.com/watch?v=cU6IBw-0Yus
https://www.guardianmortgageonline.com/loan-originators/tim-baldwin/

Federal Reserve Chair Jerome Powell issued his strongest signal yet that the central bank will soon begin cutting interest rates during a speech at the Jacks...

08/22/2024

The safety of Realtors was discussed at a meeting I attended recently. To all Real Estate agents, be careful and be smart, not naïve. To home buyers, when your agent is following safety protocol asking for your name, contact info, and careful of when and where to meet, there's a reason! This is sad! Be careful.

08/21/2024

To military; enlisted and veterans, if you bought a home with a VA mortgage when rates peaked last year, they have come down over a point. We are starting to see some IRRRL refies now (VA's version of a streamline refinance with no appraisal needed), and cashout refies as well. Message me if interested. Tim NMLS 201665. Source from - https://fred.stlouisfed.org/series/OBMMIVA30YF #0

08/07/2024

https://www.bankrate.com/mortgages/todays-rates/mortgage-rates-for-wednesday-august-7-2024/

The average rate you'll pay for a 30-year fixed mortgage today is 6.56, the average rate for the benchmark 15-year fixed mortgage is 6.00 percent, and the average 5/1 ARM rate is 6.18 percent.

06/14/2024

5.0 star review received on Experience.com for Tim Baldwin by Tom H P - Tim and his team were always available when we needed to ask questions or concerns. They were always giving updates on where we were in the process.

Click to see all 2 reviews of Tim Baldwin, Mortgage Loan Originator | NMLS # 201665

06/06/2024

D Day. Lest we forget!

05/14/2024

The morel of this story is, when you are a mortgage loan officer, answer your phone, even on a Saturday out on the lake! After a few Saturdays helping agents with open houses, this past Saturday, I was fly fishing on a beautiful lake and catching some large and beefy rainbow trout when my cell rang, It was an agent for a borrower I had already pre-approved to buy a home. I thought, well, I'm out on the lake, and I obviously have cell service, just don't drop your phone! A few minutes later, the buyer's agent added the listing agent to the phone call. After a brief 3-way discussion, the deal was made and the purchase contract was signed by all parties, while I continued fishing in God's country. Great day! I was able to land some gorgeous fish, and a mortgage loan, while the happy buyers are super excited to close on their new Idaho home! Realtors and home buyers, choose a lender that will answer your calls and take care of you. Oh... and of course, Marie did not disappoint on the delicious fish dinner last night :). Tim

04/16/2024

Is It a Good Time to Buy a House?
Get ready for competition if you’re buying this spring. But compared to 2023 and 2022, conditions look slightly better for buyers.
If you're wondering whether it's a good time to buy a house, ask this instead: Is it a good time in my life to buy a house?

The full article from Nerdwallet is in the link below.
I am licensed to lend in nearly all US states. Send me a message with any questions about lending or buying a home.
Tim NMLS # 201665

For now, inventory remains tight, but with mortgage rates falling from October highs, conditions compared to 2023 are improving for buyers.