$924,900  Meridian, Idaho
This Beautiful home in the heart of the Paramount Subdivision backs up to a lovely green and maintained common area and is within walking distance to community pools and schools. This 7 bedroom +Office, 4.5 bath home with a basement is a big family's dream home. Basement was an addition in 2015 and offers a huge living/rec space, lots of storage, 2 bedrooms, a bathroom and don't forget to look for the hidden closet! Large kitchen with big island & sink that looks out onto the common area, dining space and Living room are all one big gathering space. The Master suite has a nice size sitting area and walk in closet with built ins. There is a cozy and inviting front porch and the covered back patio is spacious and great for entertaining. The backyard sport court is sure to provide lots of fun and activity for the whole family. In addition to its remarkable features, this home is conveniently located within easy reach of shopping, dining, and recreational facilities.
Call Heather Hughes 208-573-1196

$529,900  Meridian, Idaho
A Must See! This 4-bed, 2.5 bath home located in Meridian, ID has a number of extras, including granite counter tops, LVP flooring, upgraded thermostat, car charger, a bonus room with power blinds and more... Enjoy the convivence of a completed back yard with vinyl fencing which currently has a wide-open view, then compliment that with an extended patio and fully automatic sprinkler system, or perhaps head over and spend some time at one of the nearby neighborhood parks. This may be the home of your dreams.
Call Lloyd Frazier 208-447-0187

$357,995  Payette, Idaho
Nestled in a peaceful and private neighborhood, this newly constructed single-level home offers the perfect blend of modern living. The open-concept design provides a seamless flow from the living room to the kitchen, creating a warm and inviting atmosphere for family and guests. Kitchen boasts stunning countertops, ample storage, and top-of-the-line appliances, making meal preparation a breeze. Enjoy family dinners in the dining area, with large windows that flood the space with natural light. The master suite is your own private retreat, complete with a luxurious bathroom and a spacious walk-in closet.Two additional bedrooms and a second full bathroom provide plenty of room for family or guests. The true gem of this property is the potential for a spacious shop, perfect for the hobbyist or anyone needing additional storage space.Located in the heart of Payette, you're just minutes away from schools, parks, shopping, and dining. Builder offering $5,000 towards buyers closing costs. You will love this home!
Call Oscar Cortez 208-739-7111

$649,900  Meridian, Idaho
This wonderful home located on Luminous Ave in Reflection Ridge has a spacious covered 30'x15' patio on its north side, facing the marvelous Boise foothills, and is accented by a fantastic rock retaining wall. The interior of the house is equally excellent, with hand-textured walls, an insulated garage, handsome quartz countertops, two European-style walk-in showers, an extra-large laundry room, and abundant storage space. A truly excellent property presenting an opportunity that should not be missed.
Call Matthew Schweiger 208-440-9191

$89,000  Emmett, Idaho
Single level home minutes into town. With a well-thought-out floor plan, a generously sized kitchen, and a great living room for family, & guests. You will love the covered patio for all those great evenings. Home also comes with a storage shed, perfect for storing all those tools & a washer, & dryer. Home is located close to downtown Emmett, schools, shopping, & medical facilities. Lot Rent is $370 a month, & does not include utilities. Come on by & take a look at your new home. Property is being sold in "AS IS" condition.
Call Oscar Cortez 208-739-7111

$685,000  Nampa, Idaho
Envision yourself living in this elegant beauty with endless possibilities and vistas of the Boise foothills. Located on a spacious 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 off entry could be 4th bedroom. New carpet & paint throughout.
Call Marty Siebertz 208-336-9600

$590,000  Parma, Idaho
9 Acres of Bliss: Move-In Ready Home with Breathtaking Views! The Modern updated Kitchen is a dream, So much counter space, and so much storage space and a walk in pantry. No HOA's ! such a plus. Come see this beautiful home.
Call Monday Platter 208-401-5269

$912,900  Boise, Idaho
This single-level estate-type cul-de-sac home is in a truly spectacular location, x3 and will never have through traffic. Comes with a full fence, fully-landscaped yard and pressurized irrigation; enormous 3-car insulated garage; Amenities quartz countertops, hand-textured walls, local custom-made cabinetry from Kyle's Custom Cabinets, double oven; walk-in master shower, second shower tiled to the ceiling; reasonable association dues and county taxes; no neighbors to the north of the property, built by local family builder with more than 25 years of experience.
Call Matthew Schweiger 208-440-9191

$1,150,000  Boise, Idaho
Don’t miss your chance to own this magnificent home located on a spacious lot in Boise’s coveted Highlands neighborhood. This homes spacious open concept floor plan is highlighted by an abundance of natural light creating a warm and inviting glow throughout with both foothill and city views. Entertain or just relax on the expansive patio and enjoy the fire while overlooking the number 6 fairway on Crane Creek golf course with expansive views of the foothills. The newly finished upper deck is an added bonus and great for indoor/outdoor entertaining. The lower level with walk-out patios makes a great get-a-way. Perfect for kids, guests or just for you. Easy access to foothills, Bogus Basin, Downtown and of course, if you desire, Crane Creek Country Club. Fresh interior paint, new roof, new water heater, recently installed solar panels for low energy cost.
Call John Poole 208-440-9600

$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
IdahoRealEstate.com Blog

Tips for securing your valuables at home.


Have you ever wondered where burglars turn to first if they successfully attempt a break-in? Ever wonder what would happen in your property should a fire break out? Ever wonder how long it will take to put out the fire? Ever wonder how long it will take for the Fire Department to actually arrive at your property? These are all valid questions you should be asking yourself when considering how to protect your yourself, your home and all of your valuable possessions.

Below are some tips and a few ways to protect yourself and your possessions.

1st off invest in a home safe, this is a great place to start, look for a good quality MADE IN AMERICA safe for all of your valuables. A safe that is pry-proof and fire rated is a good idea as well. Safes hold so much more than firearms, they can be used for cash, keys, stocks, paperwork and jewelry just to name a few of the items you should be securing. Also look for a safe company that offers a Lifetime Warranty, not just a Limited Warranty, Lifetime Warranty is the way to go. Look for a company that stands behind their product, and be prepared to invest in protecting your valuables.

2nd purchase and install Security Cameras, Ring offers an entry level DoorBell system that is available at your local Hardware Store as well as On-line. This system and others that compare are easy to use, install and bring peace of mind when traveling or away from your property.

The last tip for securing valuables at home is lighting, make sure your home is well lit. Make sure the address is lit and visible from the street to ensure any Law Enforcement or Fire Department responding to a call can easily find your home.

HAPPY HOME OWNERSHIP comes with securing all your valuables.

Cortie Noud

The Dynamic Landscape of Today's Real Estate Environment


The real estate environment of today is characterized by a dynamic interplay of various factors, shaping a landscape that reflects both challenges and opportunities. In recent years, the sector has experienced unprecedented changes, driven by technological advancements, economic shifts, and evolving consumer preferences.

One of the most significant influences on today's real estate market is the rapid integration of technology. The advent of digital platforms, data analytics, and artificial intelligence has transformed the way properties are bought, sold, and managed. Online listing platforms, virtual tours, and predictive analytics have streamlined the property search process, providing buyers and sellers with more information and convenience. Blockchain technology is also making waves by enhancing transparency and security in real estate transactions.

Furthermore, economic factors play a crucial role in shaping the real estate environment. Global economic uncertainties, inflation rates, and interest rate fluctuations impact property values and financing options. The aftermath of the COVID-19 pandemic has ushered in a new era of remote work, influencing housing preferences and demand for properties in suburban and rural areas. The need for flexible and adaptable spaces has become a priority, challenging traditional notions of urban living.

Government policies and regulations also significantly influence the real estate landscape. Measures related to zoning, environmental considerations, and tax incentives shape development patterns and impact property values. Sustainable and eco-friendly practices are gaining prominence, reflecting a growing awareness of the environmental impact of real estate development.

The rise of the sharing economy has introduced new dynamics to the real estate market, with platforms like Airbnb affecting the traditional rental market. Investors and homeowners are increasingly exploring short-term rental opportunities, creating a blend of residential and commercial uses in certain areas.

In conclusion, today's real estate environment is a complex and dynamic ecosystem influenced by technological innovation, economic shifts, government policies, and changing consumer behaviors. Navigating this landscape requires stakeholders to stay informed, adapt to emerging trends, and embrace innovation. As the real estate sector continues to evolve, it presents both challenges and opportunities for those involved, shaping the way we live, work, and invest in property.

Cori Duncan

Home Equity Line of Credit (HELOC)


Home ownership is a great way to start to build wealth in one’s personal portfolio. As one builds equity in a personal residence, it is an opportunity to use that equity built in the form of a HELOC; also known as a Home Equity Line of Credit. This tool makes available to you, at a variable interest rate, a sum based on the dollar value of your ownership stake in your home. One of the best parts of a home equity line of credit is its versatility: You can use the funds for almost anything. But, given the nature of the financing, some uses are more suitable than others.
This is a common way for homeowners to tap into the value of the home for some quick cash. While this may sound like an easy way to pay off some debts or pay for a quick vacation, there are things to think about before using a HELOC.

You may be considering using a HELOC to take that vacation that you have been dreaming of. In general, this is not considered a good use of the funds. Save up money to pay for it; don't use your HELOC to fund it. If you fall behind on your HELOC payments, your lender can foreclose on you, eventually evicting you from your home and taking possession of it. Taking that risk to fund a vacation isn't worth it!!!

You may also be considering using HELOC funds for advanced education. Because the interest rates with HELOC’s can be lower than what you'd get with private student loans, you might consider funding all or part of your or your children's college tuition with a HELOC. Again, this is risky. If you stop making student loan payments, your credit score will tumble, but a lender can't take possession of your home. The same can't be said if you stop making payments on a HELOC.

Credit card debt is a little trickier. Credit card debt comes with sky-high interest rates. It might make financial sense, to use a HELOC to pay off your credit card debt, as the interest rate attached to the money you've borrowed against your HELOC will be far lower. Again, though, there is risk. If you're worried that you won't be able to afford your HELOC payments, don't borrow against your line of credit to pay off your credit card debt. Your credit card provider can't foreclose on your home if you fall behind on your payments.

HELOCs tend to come with lower interest rates than credit cards or personal loans, which makes them a more affordable option when financing home repairs or renovations. Using your HELOC to fund improvements that will increase the value of your home is the best use of your HELOC dollars. You'll even gain a tax benefit: You can write off the interest you pay on your HELOC if you use the funds for renovations or improvements that boost the value of your home.

HELOCs offer the flexibility of borrowing what you need and only when you need it, making them a good choice for those who lack a defined sum or those who require ongoing access to funding. Opening a HELOC provides access to a line of credit that you can draw from again and again for as long as 10 to 15 years. Managing this type of fund requires discipline and a plan for repayment, or you can easily get in over your head. “For fiscally responsible people, these can be amazing tools. For folks with less financial discipline or security, they can be devastatingly bad,” says Ryan Cicchelli, founder of Generations Insurance & Financial Services, a Cadillac, Mich.-based financial planning firm.
There are many cases in which a HELOC can provide a smart way to leverage the equity in your home to achieve other financial goals or pay for large expenses. Before opening a HELOC, however, it’s always a good idea to shop around and crunch the numbers, ensuring that this line of credit is truly the most cost-effective option. In addition, you should be diligent about responsibly managing the HELOC and develop a clear repayment plan that you can stick to.
Whatever you use the HELOC for, responsible management is the key.
“You can do this by only drawing funds that you feel secure in repaying relatively quickly, making timely payments and not digging in too deep,” says Ryan Cicchelli.

Carol Relf

Our home can be yours too


The secret is out for our fabulous “Treasure Valley” which includes our cities of Boise, Eagle, Meridian, Star, Nampa, Kuna, and Caldwell. Boise is our Capitol which naturally encourages individual civic outreach as many visit our awe-inspiring Capitol Building in downtown where the power lives and breathes. The quality of life cannot be overstated including so much for so many including almost all out-door activity imaginable including water/snow skiing, golf courses, motorbikes, and miles of trails for the hiker. The Morrison Center, and Esther Simplot Performing Arts Academy and more smaller venues for artists, musicians, teachers and/or participants. Each town/city has a personality of its own so one does not out-shine the other. The Village in Meridian was a new beginning of more locality quality of life expansion with fabulous restaurants, winter ice skating rink, and musical water fountain dancing for pure enjoyment. We are ready to introduce you to our scenic towns, majestic mountain views, rivers flowing through our fabulous parks, and a way of life that is nearly unmatched. We are growing as cities and invite you to be a part of the expansion of our wonderland.

Sandy Post

Navigating the Waves of Real Estate: Understanding the Impact of Interest Rates


In the ever-evolving landscape of real estate, one factor that consistently commands the attention of both buyers and sellers is interest rates. Mortage interest rates play a pivotal role in shaping the dynamics of the real estate market, influencing everything from property values to the affordability of homeownership. In this blog post, we'll explore the intricate relationship between interest rates and real estate, shedding light on how fluctuations can impact various aspects of the market.

Interest rates, essentially the cost of borrowing money, have a direct effect on the housing market. When interest rates are low, borrowing becomes more affordable, enticing prospective homebuyers to enter the market. Conversely, high interest rates can act as a deterrent, making mortgages more expensive and potentially slowing down the pace of real estate transactions.

For homebuyers, the interest rate is a crucial factor in determining the affordability of a property. Even a seemingly small change in interest rates can have a significant impact on monthly mortgage payments. As rates rise, the cost of borrowing increases, potentially pricing some buyers out of the market or, forcing them to settle for a more modest home.

On the flip side, low-interest rates can spark a surge in demand for homes as buyers capitalize on the favorable borrowing conditions. This increased demand often leads to a rise in property prices, benefiting sellers who may see the value of their homes appreciate. However, the delicate balance between supply and demand and the many variables that shape our reale esate markets.

As we begin 2024, we once again find our selves in a changing dynamic. The 30 year fixed rate has fallen a full point from it high point near 8%, to current rates slightly below 7% (6.94% as of this writing), and forcasters are cautiously signaling futher reductions are we move throught the year. Will we see interest rates in below 4% again? In my opinion it’s very unlikely. However, rates in the mid 5% are real possiblity by the end of the year.

While falling mortgage rates may be good news for buyers, it is important to remember that improving interest rates will likely increase demand for existing homes, driving up home pricing, and potentialy negating the increased buying power that come with lower rates.

Real estate professionals closely monitor interest rate trends as they shape their strategies for buying or selling properties. A sudden spike in rates might prompt sellers to adjust their pricing expectations, while buyers may need to act swiftly to secure a property before affordability diminishes.

In conclusion, the ebb and flow of interest rates have a profound impact on the real estate market. Whether you're a first-time homebuyer, a seasoned investor, or a seller looking to capitalize on market trends, understanding the relationship between interest rates and real estate is crucial. Working in conjunction with Real Estate and Lending professionals will empower you to navigate the waves of the real estate market successfully.

Bob Poole

What does your credit look like?


First-time homebuyers often face challenges related to credit scores, as they may not have an extensive credit history. It's advisable for prospective homebuyers to review their credit reports, address any discrepancies, and work on improving their credit scores before applying for a mortgage.
Improving credit scores can take anywhere from 1-3 months or even longer depending on the severity of the credit. Plan ahead! Understanding credit score requirements and taking steps to enhance creditworthiness can significantly impact the ability to purchase a home and influence the overall cost of homeownership. Credit monitoring helps you "Stay on top" of your credit, enabling you to be ready for the mortgage lending process without any surprises.
If you need help with your credit, contact me and I will get you in contact with someone who can help.

Grant Presol

Preparing your home for the season


Preparing to sell your home or just cleaning up after winter can seem daunting but with these quick tips, focusing on one task at a time, you will be less overwhelmed, and your home will be ready for spring in no time at all.

Surprisingly spring comes quickly once the holidays are over and your list of things-to-do is probably only getting longer. After playing, or hibernating, through the winter your list is probably a bit overwhelming and it’s time to get moving and get things spruced up. While waiting for the weather focus on tidying up inside, such as; donating unused items, organize the kitchen and bathroom cupboards, touch up paint, replace old caulk with a fresh new bead of caulk, be sure all lighting is in good working order (Clear lighting elevates our mood and is welcoming to guests), and clean the inside windows.

Once the weather has cleared enough to get going on the outside, focus on curb appeal, the front door or porch is a great place to start. Did you know that the front door gives a vital first impression to the home? Fresh paint or touch up to the porch/front door along with a new doormat goes a long way, clean the outside of the windows, rake the yard, fill holes in the siding with caulk and touch up paint where needed, and if you have a patio, create a welcoming feel by scrubbing it and freeing it from clutter. If you have outdoor furniture, arrange it on the patio to give it the warm feel of a comfortable place to entertain. This will give your home a fresh new look for the season whether you plan to stay or you are selling.

Want more tips, don’t hesitate to holler. We’re always happy to help.

Tia Dowdle

Prepping for winter in Idaho


If you are new to Idaho, and have never owned a home in a cold climate, here are some tips for preparing your home for the winter. Many of these things should have already been done by now, but if not, you may consider taking care of them before a deep freeze. This is especially true if you are selling your home and have already moved on to your new destination. Having a vacant home in the winter has its own set of challenges – but being prepared can take the fear and worry about something going wrong… because if you don’t take precautions, something can definitely go wrong. What are the most important things to think about? Here’s a list of things to consider:
• Have lawn watering system blown out to remove water from pipes. (You should do this by October or before the first freeze)
• Change batteries and test smoke alarms and carbon monoxide detectors.
• Have furnace inspected and serviced, and change furnace filter.
• Clean out gutters. This is to prevent ice dams that can cause roof leaks.
• Trim trees if needed. To prevent tree limbs from falling on the roof during a heavy snowfall.
• Turn off water to outdoor spigots if possible.
• Disconnect any garden hoses and cover the spigot. Try using a Styrofoam-type insulating cover to prevent freezing and condensation.
• Check all door and window weatherstripping for damage: Replace any damaged weather stripping.
• Check and repair any worn or damaged weather-stripping caulk.
• Store or protect outdoor lawn furniture.
• Wrap or protect delicate shrubs or gardens.
If you are leaving your house unoccupied for more than a few days at a time, setting your thermostat at 55 degrees or so while you’re gone will save energy and keep anything from freezing. If your home is currently vacant and listed for sale, be sure to keep your home warmer than that – at least 65-68 degrees – you want the potential buyers to stay as long as possible to see all that you have to offer. If it’s too cold inside, they’ll want to leave quickly and get back to their warm car.

If you are wondering why it is so important to keep the inside of your vacant home warm, remember that water expands when it freezes – water pipes will burst if the water freezes. Weighing the cost between keeping the thermostat a little higher and the cost to remedy a flooded house due to burst water pipes is easy math. I once sold a home in December to an out of state couple that weren’t moving in for a couple weeks. While checking on the home, I walked in to discover that the heater had shut off, and all the pipes had frozen, bursting one in the upstairs bathroom. Fortunately, the frozen water had stopped the complete flooding of the house; there was only a small puddle on the bathroom floor. If the heater had gone back on there would have been a major disaster. It’s a good thing I arrived when I did, and was able to turn the water main off and get a plumber and HVAC guy out to remedy the situation.
Moral to the story? If you do have a vacant home in the winter, be sure to have someone check in from time to time – you too can avert a disaster! Be sure you know where the main water shut-off valve, and be sure to let your agent or whomever is checking on your home know where it is.
If you have any questions, or need real estate assistance, please feel free to reach out – I’m always happy to help!
Happy Holidays!
Terry Ivins

Supply and Demand in the Real Estate Market


Welcome to Idaho! We enjoy a wonderful quality of life here with scenic vistas and unlimited recreation!

It is amazing in the midst of a pandemic, high unemployment, protests and a Presidential Election. Home prices are setting record highs, low interest rates, with multiple offers on many properties. WAIT! That was in 2020....

That fast paced crazy market stopped abruptly in May of 2022. Low inventory, longer Days on The Market, Sold prices and Values continue to decline in many markets. Homes not appraising at the Contract price. A time of uncertainty for some.

Mortgage rates have also been a Hot Topic! BIG changes...8.5 % today. Many would-be sellers today are not able or willing to trade their current low mortgage rate of 3% up to 8+%. New Loan programs are being created and Seller or Builder concessions are common. Sellers paying to help the Buyer buy their home.

If you find a house you love and it fits your needs please don’t wait!

Our market is still a Seller’s market. We don't know if we will see Short Sales and Foreclosures like in 2010. If you think you have found something that is a good deal, so do many others. The Good Deals go quickly under contract in a couple days.

While many are waiting for sale prices to be lower or interest rates to be lower. That may not pencil out either in the long run.

Usually during the winter months we experience a slowdown in Real Estate sales. Weather and economic factors play a part in the market. This year may be different. Many are moving for job changes and the big surge is to be closer to family.

As a recent Economic Forecast Speaker stated; We are navigating by the stars in cloudy, overcast conditions.

Find a great Realtor and Financial professional to help you with these important decisions.

Thank you!

Sue Kropf

What Does It Mean to Stop and Smell the Roses?


As we slowly move into the winter months, it is the perfect time to not only count our blessings, but take time to acknowledge the value and meaning of the most important people and things in your life. According to science, spending time in nature is a common source of joy. Just the act of appreciating a dandelion or a rose may play an even larger role in our overall happiness than we know.
Stopping to smell the roses is an act of appreciation and realization ofa source of goodness in our lives. It means taking the time to recognize the daily moments that bring us joy and to really see what causes that emotion. The difference in well-being, happiness, sense of elevation, and level of connectedness to other people, can be significantly higher for those who spend time noticing and savoring these moments of joy.
Once you have experienced the delight of something, expressing it to someone else grows the sentiment and spreads the joy.
The expression “stop and smell the roses” is not just about flowers or nature, but an encouragement to live life with a deeper gratefulness for the world around us. It is a reminder to slow down and take notice of the people and events of the day, to be present in every moment, seeing beyond the ordinary. It means consciously directing your mind to be aware and attentive to the present moment to be able to experience and enjoy more of the world surrounding you.
No matter what part of your life’s walk you are on, there is always time to adopt this this trusted mantra. Best to you~ Steve C.

Contributions to this article courtesy of CrisaSeniorLiving.org
Steve Claridge