Your Friend in the
Real Estate Business

Hi, I’m Kelly Ryan, I have been working professionally in the Treasure Valley for decades to help people connect with their community and prosper.
I would love to help you too!

Get in Touch
East Boise
Kelly Ryan

Local Market Expertise

Deep understanding of the local housing market, including neighborhoods, schools, amenities, and market trends, to help clients make informed decisions and find the right home for their needs.

Boise Downtown
Boise Foothills

Personalized Service and Advocacy

Tailored guidance and unwavering advocacy to ensure clients feel supported throughout the buying or selling process, from initial consultations to closing, addressing their unique goals and concerns.

Seamless and Stress-Free Transactions

Expertise in managing contracts, negotiations, and timelines to streamline the process, minimize stress, and avoid potential pitfalls, ensuring clients have a smooth and positive experience.

Eagle Idaho Home

Frequently Asked Questions

  • You’re ready to buy a home if you have a stable income, a good credit score, savings for a down payment and closing costs, and a clear understanding of your financial situation and long-term goals.

  • The down payment typically ranges from 3% to 20% of the home's purchase price, depending on the loan type. Some programs, like VA or USDA loans, may offer options with no down payment required.

  • Closing costs are fees associated with finalizing the purchase of a home, including lender fees, title insurance, and escrow charges. They generally range from 2% to 5% of the home's purchase price.

  • To get pre-approved, you need to provide a lender with financial documents such as pay stubs, tax returns, and credit history. Pre-approval helps determine how much home you can afford and strengthens your offer.

  • Pre-qualification is an informal estimate of what you can afford based on self-reported financial information, while pre-approval involves a thorough review of your finances by a lender and carries more weight with sellers.

  • The home-buying process can take anywhere from 30 to 90 days, depending on factors like market conditions, financing, and the time it takes to find the right property.

  • Pay attention to the home’s condition, layout, natural light, storage, and any signs of needed repairs. Consider the neighborhood’s amenities, safety, and proximity to work, schools, and other priorities.

  • Once your offer is accepted, the process includes a home inspection, appraisal, securing financing, and completing paperwork with your lender and title company before closing.

  • Yes, a home inspection is highly recommended to identify potential issues. The buyer typically pays for the inspection, and it provides an opportunity to negotiate repairs or adjust the purchase price.

  • Earnest money is a deposit you make to show you’re serious about buying the home. It’s usually 1% to 3% of the purchase price and is applied to your closing costs. It may be refundable if certain contingencies (like financing or inspection) aren’t met.