$705,000  Nampa, Idaho
Step into stately living with this beauty that includes vistas of the Boise foothills. Located on a 1 acre home site at the end of the cul-de-sac on a private lane. The front porch and river rock accents invite you into single level living with an upstairs oasis that could be a primary suite or bonus room, and features a full bath and views of the Boise foothills. Open floor plan with no backyard neighbors, allowing for spectacular sunset views. The kitchen is the heart of the home w/ large breakfast bar, pantry & desk nook all opening to the family room’s vaulted ceilings, gas fireplace & walls of windows. Picture yourself enjoying indoor entertaining as it flows perfectly from your dining room to the gorgeous back patio and grounds. Main lvl Master boasts a large walk in closet, dual vanities, a soaking tub & separate shower & door to patio. Bring toys as there is RV parking. Office or 4th bdrm. New carpet & paint throughout.
Call Marty Siebertz 208-336-9600

$2,800,000  Nampa, Idaho
This Prime acreage with commercial frontage in Southeast Nampa with the potential to be subdivided is full of opportunity! Approx. 62 +/- acres located in area ideal for Single Family Residential 1-2.5 acre parcels. Great location close to schools, amenities & city center. Irrigation water way runs through center of property for added aesthetic potential for new development. On a clear day you'll have views of the entire valley, the Boise Front, and Owyhee Mountains. Near Idaho's wine country and outdoor recreation. Several access points. Flanked at South side by a beautiful acreage community of custom homes. Up-and-coming area. GREAT OPPORTUNITY!
Call Marty Siebertz 208-336-9600
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Eagle Idaho is a desireable, upscale community nestled along the base of the Boise foothills. Eagle offers high-end, quality-crafted homes, fine dining, boutique shopping and a friendly community. The Boise river meanders through Eagle and you'll often find folks walking the greenbelt or enjoying a peaceful picnic along the banks. Eagle offers convenient access to the entire Treasure Valley and provides direct routes to northern ski areas, foothills hiking, river rafting and other fun Idaho outdoor activities. If you prefer newer construction homes in an upscale market then Eagle is the place for you. Pictured above is Rembrandt’s Coffee House in Eagle’s quaint downtown area.
The North End
North Boise is one of the most sought after communities in the Boise area. Affectionately referred to as The North End, here you will find classic architecture and character in the turn of the century and early 1900's era homes. Many homes in The North End have been fully restored to their original condition with a complementary touch of modern conveniences. If you enjoy tree-lined streets, patio-dining at corner restaurants and quiet and peaceful neighborhoods then be certain to see a few Boise homes in this area during your visit. Pictured above is Boise’s historic Harrison Boulevard which runs from Boise’s thriving downtown through the heart of The North End.

$650,000  Arco, Idaho
What an opportunity! Although The Golden West Cafe was rebuilt on the edge of town in 1989, it has been an Arco icon since the late 1940's. Always locally owned and a favorite, not only by the local patrons but those who have traveled US-20 for decades. This is a rare opportunity of property & business combined into a smooth continuation of operation, ready for fresh ideas, or an entirely new concept. The east section of the restaurant has a banquet room for private parties that has recently had the start of a remodel converting it into living space giving you both a restaurant & living quarters under one roof!
Call Tia Dowdle 208-631-1396

$1,799,999  Emmett, Idaho
Two homes on 6.7 acres. Perfectly situated for multigenerational living. Main home is a single-level custom built with a 3 bedroom, 2.5 bath split-bedroom floorplan. Open living area with a fireplace and lots of natural light from wall-to-ceiling windows tucked under an inviting covered front patio. The gorgeous kitchen features dual Bosch dishwashers, double ovens, pot filler, large granite island, large counter/eating space, formal dining area and walk-in pantry. Office/craft/multi-use room with built-in cabinetry and large granite work island. Covered patio off of dining/kitchen area. Live/work scenario with TWO 40x60 shops (both have power, one is set up for office use with mezzanine and bathroom. Other various outbuildings and full auto sprinklers for lawn. Second home is under construction 2bed/2bath/2car with porch and 30x60 shop. Home is closed-in (roofed, sided and framed) Seller is in the process of completing it-or-take it over and choose your finishes. Lots of special extras, too much to mention
Call Cori Duncan 208-861-1663

$13,250,000  Eagle, Idaho
Sale or Joint Venture. Palermo Estates is a fully approved shovel ready subdivision consisting of 21x five-acre lots spanning 120 acres in the Eagle foothills just North of Beacon Light Road between Eagle Road and Highway 55. Very nicely situated at the end of Triple Ridge Estates with very high-end estate properties lining the meandering tree-lined drive back to this location. Exceptional view properties. Feels a million miles away, yet very close to upscale shopping, high-end restaurants, and more. Actual view shown. Video tour: https://youtu.be/juHgiK5Rj20 ** Access is North on Triple Ridge from Beacon Light Road, East on Trinity, to end of road. Please do not access property without a showing appointment. Thank you.
Call Steve Barbey 208-724-8169

$295,000  Cascade, Idaho
On top of the world! This 1.7 acres of wooded land features granite boulders, pre-designed building sites & potential for a family compound. Peacefully nestled on the property is a huge deck overlooking breathtaking views of Cascade Lake & West Mountain. Plenty of room for RV parking & toys. This rare find includes a 22' Lance travel trailer so you can camp now and build later! Carefree living with no HOA's or CC&R's. Includes a permitted septic system connected to the trailer. Close to Lake Cascade, boat ramp, ATV & snowmobile trails, Cascade & Tamarack Ski Resort. Private road access with County maintained road for year-round access below. Once you've found yourself sitting on the deck, you'll never want to leave. Property next door is available for sale with same owner. Watch for wildlife as deer and fox live in the hood. Just 80 miles from Boise and you'll leave the city life behind. This is your own private Idaho!
Call Marty Siebertz 208-336-9600

$435,000  Mountain Home, Idaho
Welcome to your dream property nestled near the picturesque Anderson Ranch Reservoir and the world class trout fishery on the South Fork Boise River! This stunning parcel offers an unparalleled opportunity to own a slice of paradise in the heart of Idaho’s natural bounty. Immerse yourself in the tranquil waters, surrounded by breathtaking scenery, and experience the thrill of landing trophy-worthy trout. Hunters will find themselves in a paradise for upland game bird hunting and (OTC) elk and deer hunting opportunities. Off-road enthusiasts can explore nearby public lands with miles of motorcycle, UTV and snowmobile trails. This location truly offers four-season recreation, ensuring year-round enjoyment. From fishing and hunting in the warmer months to skiing and snowboarding in the winter, you'll have endless opportunities for outdoor adventure. The property lies just 10 minutes from the South Fork Boise River and Reservoir Boat Ramp , 1 hour to Boise. 1.5 hours to Sun Valley and only 20 mins to Mtn. Home.
Call Steve Claridge 208-539-2833

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June 12, 2023
There’s a lot to consider when deciding if you should rent or buy a home, and in the current environment, it’s getting trickier to decide. Given economic uncertainty, recession fears, high interest rates, and conflicts/instability throughout the world, you may think now is not the time to invest in a home, but conside this:
• Idaho is the fourth most expensive state for renters, where renters have experienced an average 41% increase in prices over the past three years.?(MovingFeedback analyzed data from Zillow.com)
• Rents are expected to grow more than home prices in 2023, according to Realtor.com
• Mortgage rates are likely to decline through 2023, although they will remain volatile as the markets react to economic data on inflation and employment
• Investor activity is cooling off since the hot market of 2021
• Sellers are more flexible on price and other terms and conditions

Drilling Down
A 41% increase in rental prices equates to paying on average almost $475 per month over what you paid just 3 years ago. That’s a huge bite out of your income! Of course, asking prices for properties for sale have also dramatically increased during that same time period. The good news for Buyers is many Sellers are accepting offers below asking price with closing credits and cash incentives to buy down mortgage rates.

Rent prices may begin to stabilize during the next year, but don’t expect prices to drop quickly. “We are seeing moderation in construction costs and land costs, therefore there should be a corresponding rent stabilization in the near future,” Jeff Hess, development partner at Hawkins Homes and Communities, said. “However, some new multi-family projects are locked into old land and construction contracts, so the leveling off will still take some time. There is a slight uptick in inventory, but still in short supply for the near future.”

Although mortgage rates are expected to decline, they’re still high. The average fixed rate on a 30-year mortgage is expected to fluctuate between 6% and 6.5% this spring, according to housing economists interviewed by U.S. News.

Professional investors might be tapering down their home purchases, which could be a good development for frustrated homebuyers who find it hard to compete with investors’ lofty, quick-close, all-cash offers. “We have seen that investor activity has started to come down, which means that the typical homebuyer would be competing with fewer investors,” says Hannah Jones, an economic data analyst at Realtor.com. “We heard this over and over during the [COVID-19] pandemic. A family is looking to buy a home but they got outbid by investors.”

What Does This All Mean?
Market dynamics are changing so rapidly that most of us are at a loss on how to proceed. Shmuel Shayowitz, president and chief lending officer at Approved Funding, thinks anyone contemplating a home purchase this year needs to access personalized guidance and advice. That’s a fancy way of saying consult with a knowledgeable Realtor and Lender who can lay out your options so you can make an informed decision. If renting is the best option, your Realtor will tell you that. For instance, if you’re planning on staying in the area less than 2 years, you need to repair your credit, or other factors come into play, renting may be the best option. However, don’t be discouraged if you don’t have much money for a down payment, should you decide to buy. A good Realtor will connect you with a mortgage lender, if you don’t know one, who will have several loan options for your consideration. For example, Rocket Mortgage, the largest lender in the U.S. in 2022, announced its ONE+ program this week. United Wholesale Mortgage, the No. 2 lender, launched its Conventional 1% Down loans in April — then made them significantly more generous following Rocket’s announcement. The rival programs piggyback off of Fannie Mae’s HomeReady mortgages and Freddie Mac’s Home Possible loans. Those initiatives allow borrowers who make less than 80 percent of their neighborhoods’ median income to obtain a conventional loan with just 3 percent down.

Negotiating a cash incentive as part of your offer will give you money to buy down the mortgage interest rate, such as a 3-2-1 or a 2-1 buy down where the buyer can buy down the rate but needs a seller credit to do so,” Joshua Massieh, a mortgage broker at Pacwest Funding said. “The buydown would help the buyer get into the 4% rate range and that is a huge difference!” There are even O down programs available to first-time home buyers or military personnel. For the cost of what you pay to secure a rental property, you may be able to use that money to get into your own home.

Bottom Line
If all this information sounds Greek to you, don’t despair! A good Realtor can help you make sense of it all. They can even direct you to a credit repair agency that can help you repair your credit so you can get pre-qualified for a loan. The bottom line: renting vs. buying is a personal choice; only you can decide what’s right for you. Your Realtor can help guide you through the decision-making process so you can make an informed decision. The more you know, the easier your choice will be.

Kelly McCune
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