Steve and Cindy Jones
Steve 208-634-6497
Cindy 208-634-6849
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Lenders Corner
What is a USDA Loan?
Of McCall Mortage
It is a government loan backed by United States Department of Agriculture. USDA loans offer a zero down payment mortgage that eligible buyers in a rural area can take advantage. For those of us in Idaho (Valley County, Adams, and parts of ADA), this program is mostly available. The requirements in addition to certain rural and suburban areas include: Income eligibility
requirements (household income limits); the home must be a primary home; US citizen status; and must meet certain credit and debt measurements.
 USDA is similar to FHA and VA in that they are government backed and there is a guarantee fee. This fee can also be 100% financed. The guarantee fee and monthly mortgage insurance are at a reduced fee, less than FHA loans. The home must meet the same appraisal guideline standards as FHA.
USDA will loan on all single family homes including Manufactured homes. The advantage of USDA over FHA is that no down payment is required. However, the credit requirements are higher than FHA, for example 620 credit score is required. And debt to income ratios should be under 45%. And alike other "affordable" mortgage products, there is an income cap.
For homebuyers looking in rural areas to purchase, and have little money to put down, USDA is a great option.
McCAll Mortgage Company can help qualify your borrower for many different programs or types of homes. Give us a call today to discuss USDA, as one of the several loan solutions we can offer for you.
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Spring is here in McCall bringing us bright and cheery flowers, which means Summer can't be far behind!
In this Newsletter we discuss the new bike trails being proposed, golf course openings, the GIG Foundation Fundraiser (Kit Worthington Foundation for the Arts), and our new Lenders Corner.
Here are some current blog posts
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Golf Courses Set to Open
 The McCall Golf Course is set to open May 24th, just in time for Memorial Day Weekend! Groundskeepers are working hard on the course, and the greens came out of our harsh Winter in great shape.
Jug Mountain Ranch is planning on opening May 24th as well. Check out their rates on this link
Single Track Bike Trails Study Complete
Seventy miles of single-track dirt trails along county roads to connect towns in Valley County and beyond are recommended in a new study.
The "singletrack sidewalks" are recommended by the International Mountain Biking Association in a feasibility study done in association with the West Central Mountains Economic Development Council and Valley County Pathways.
The study sees the trails as a way to tie together Cascade, Donnelly, Lake Fork and McCall with an eye toward connecting to New Meadows and the Weiser River Trail.
The $19,000 study was funded by a grant from the Mountain Central Association of Realtors in McCall and the National Association of Realtors.
"It gives us a path forward looking at a number of options for building future pathways to fulfill our vision," said Steve Stuebner of Valley County Pathways.
Stuebner and Andrew Mentzer of the West Central Mountains Economic Development Council will be sharing the results of the study in the coming weeks.
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Annual GIG Fundraiser May 15th!
The Kit Worthington Foundation for the Arts (The GIG) will be hosting their annual fundraiser Wednesday May 15th at Bistro 45.
 This year's theme is "A Day At The Races~Kentucky Derby Style", and we are encouraging everyone to dress the part! Bright Race Day Dresses and Big Hats, Jockey Outfits, Horse-themed attire, etc. As in past years, there will be two wine-tastings with commemorative glass, raffle prizes, live music, complimentary Stacey Cakes treats, Hometown Pizza and Bistro fare, and a HUGE Silent Auction.
The event is free, with a nominal charge for wine tasting. Come help us celebrate the Kick-off to Summer in Style!
Wednesday, May 15th, 1 to 6pm in the Bistro 45 Courtyard. Proceeds benefit Valley and Adams County Students via scholarship funds, who are interested in pursuing music and the arts.
The McCall, Idaho based Kit Worthington Foundation for the Arts (the GIG) invites grant requests from students from Adams and Valley County year round.
The mission of the foundation is to help young students achieve their dreams through education, inspiration and opportunity.
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Spring Time is a Great Time to Sell Your Property!
Get A Jump On The Hottest Time to Sell!
Before Spring turns into Summer, takes some time to think about selling your property. This year in June marks our 22nd year selling real estate in the McCall area. Contact us if you are interested in selling your home or land. We have a very comprehensive listing presentation that takes you through all of the steps in how we Market, Sell and Close your property, you can view
this with this link
Contact us now at 208 634 6497 or email sjones@2ndhomes.com to receive your copy of our presentation.
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Real Estate Sales Update
Sales for the First Quarter of 2019 have been brisk, however a shortage of inventory has kept sales a bit off-pace. The first part of this year saw some amazing quick-sales of listings of homes in the McCall area as well as Tamarack, with the new ownership of Tamarack Resort causing sales to pick up.
We have the sales from the 12 month period from May 1 2019 to May 1 2018 as compared to the same time-frame the year before on our sales data page. We have a 14% increase in home sales prices for the past 12 months! Click on the link below for all the info.
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