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        <title><![CDATA[Blog]]></title>
        <link><![CDATA[https://mschroeder.cbboise.com/blog]]></link>
        <description><![CDATA[Blog]]></description>
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                <item>
        <title>
            <![CDATA[Introduction to Budgeting]]>
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        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2026/04/03/introduction-to-budgeting]]>
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        <description>
            <![CDATA[<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogHeader-1120x630_2025.png" alt="" style="display: block; margin: 0px auto; max-width: 100%; height: 318px;" width="566"></p>
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<p style="text-align: left;"><em>An important step toward realizing your financial goals is creating a realistic budget.</em></p>
<p style="text-align: left;"><em>A budget is simply a spending plan that is based on your expenses and income. A written plan helps you stay on track, day to day and month to month, for meeting your financial goals.</em></p>
<p style="text-align: left;">For most of us, debt is a part of life. Mortgages, student loans, car and credit card payments all affect how we spend and save our money. Maintaining a spending plan can't eliminate debt overnight, but it will help to minimize unnecessary debt while building healthy financial habits.</p>
<p style="text-align: left;">How you spend your money says a great deal about your priorities and how prepared you are to achieve your financial goals. Some spending, even if it's repaying a debt, can be considered an investment – even if it's not going toward retirement or saving for a nice home. One example could be repaying higher education loans – for many college graduates, every dollar spent on tuition has been returned many times in the form of higher wages. So some spending, and even debt, can be a smart investment in your future.</p>
<p style="text-align: left;">On the other hand, we routinely spend money on things without realizing the real cost. This is especially true of everyday expenses like purchasing food on the go. Just think - if you were to have three restaurant dinners out per week that cost $35 each, these meals would cost nearly $5,500 per year. A $10 lunch at the office would cost another $2,600 per year. A nice cup of coffee each day could add up to over $1,000 per year. So that's a total of over $9,000 per year of after-tax income spent on convenience eating – much more than preparing food at home.</p>
<p style="text-align: left;">The idea here is not that you should never go out to dinner, but that unplanned purchases can add up in ways you might not expect. Creating a budget helps you focus your spending on what really matters to you. By budgeting your money, you control your spending habits, rather than letting your spending habits control you.</p>
<p style="text-align: left;"><a href="https://moneyedu.iccu.com/public/featured-topic.cfm?code=ICCU&moduleid=5&popular&name=Introduction%20to%20Budgeting&resources">Source</a></p>
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<p><a href="https://www.iccu.com/coldwell-banker-tomlinson-mortgage-loan-officers"> <img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogFooter-1120x450_2025.png" alt="" style="display: block; margin: 0px auto; max-width: 100%; height: 265px;" width="736"> </a></p>
<p> </p>]]>
        </description>
        <pubDate>
            <![CDATA[Fri, 03 Apr 2026 12:40:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2026/04/03/introduction-to-budgeting]]>
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                    <category>
                <![CDATA[Personal Finance]]>
            </category>
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        <title>
            <![CDATA[7 Things to Add to Your Spring Bucket List in the Treasure Valley]]>
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        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2026/03/09/7-things-to-add-to-your-spring-bucket-list-in-the-treasure-valley]]>
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            <![CDATA[<p data-start="253" data-end="528"></p>
<p data-start="253" data-end="528"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/AdobeStock_494221670.jpeg" width="650" height="433" alt=""></p>
<p data-start="253" data-end="528"><em>After a long winter, spring in the Treasure Valley brings something everyone looks forward to—longer days, fresh air, and the chance to enjoy the community again. It's the perfect time to step outside, try something new, and make the most of the season before summer arrives.</em></p>
<p data-start="530" data-end="643"><em>If you're looking for a little inspiration, here are a few ideas to add to your <strong data-start="610" data-end="643">spring bucket list this year.</strong></em></p>
<hr data-start="645" data-end="648">
<h3 data-start="650" data-end="692">Take a Relaxing Day Trip to Idaho City</h3>
<p data-start="693" data-end="860">Spring is a great time to explore the mountains before summer crowds arrive. One of the most relaxing day trips from Boise is a visit to <strong data-start="830" data-end="859">The Springs in Idaho City</strong>.</p>
<p data-start="862" data-end="1034">Nestled in the pines, The Springs offers beautiful outdoor soaking pools fed by natural geothermal water. It's the perfect place to unwind, especially on a cool spring day.</p>
<p data-start="1036" data-end="1156">Many visitors pair their soak with a walk around historic Idaho City or lunch in town before heading back to the valley or a night at The Pines, located next to The Springs. Just reserve your spot early!</p>
<hr data-start="1158" data-end="1161">
<h3 data-start="1163" data-end="1199">Enjoy Brunch at a Local Favorite</h3>
<p data-start="1200" data-end="1278">Spring weekends are perfect for brunch, and Boise has plenty of great options.</p>
<p data-start="1280" data-end="1451"><strong data-start="1280" data-end="1295">First Watch</strong> is a popular spot for a bright, fresh breakfast and has two Meridian locations. Local favorites include the <strong data-start="1373" data-end="1391">Farmhouse Hash</strong>, the <strong data-start="1397" data-end="1415">Belgian waffle</strong>, and their smooth <strong data-start="1434" data-end="1450">house coffee</strong>.</p>
<p data-start="1453" data-end="1626">Another Boise staple is <strong data-start="1477" data-end="1486">BACON</strong>, known for its creative menu and, of course, everything bacon. It's a fun place to gather with friends and start a relaxed weekend morning.</p>
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<h3 data-start="1633" data-end="1667">Visit the Boise Farmers Market</h3>
<p data-start="1668" data-end="1789">One of the best signs that spring has truly arrived is the return of the <strong data-start="1741" data-end="1765">Boise Farmers Market</strong>, opening <strong data-start="1775" data-end="1788">April 4th</strong>.</p>
<p data-start="1791" data-end="1919">Held near Shoreline Drive, the market features incredible local vendors offering everything from fresh produce to artisan foods.</p>
<p data-start="1921" data-end="1957">Two favorites locals often seek out:</p>
<ul data-start="1958" data-end="2098">
<li data-start="1958" data-end="2021">
<p data-start="1960" data-end="2021"><strong data-start="1960" data-end="1978">The Hummus Guy</strong>, known for his flavorful homemade hummus</p>
</li>
<li data-start="2022" data-end="2098">
<p data-start="2024" data-end="2098"><strong data-start="2024" data-end="2050">Zeppole Baking Company</strong>, famous for their delicious breads and pastries</p>
</li>
</ul>
<p data-start="2100" data-end="2193">It's the perfect place to spend a Saturday morning while supporting local farmers and makers.</p>
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<h3 data-start="2200" data-end="2237">Refresh Your Patio for the Season</h3>
<p data-start="2238" data-end="2341">Even though spring weather can still be cool, it's a great time to start refreshing your outdoor space.</p>
<p data-start="2343" data-end="2384">Simple updates can make a big difference:</p>
<ul data-start="2385" data-end="2544">
<li data-start="2385" data-end="2424">
<p data-start="2387" data-end="2424">Add new outdoor cushions or pillows</p>
</li>
<li data-start="2425" data-end="2464">
<p data-start="2427" data-end="2464">Bring out lanterns or string lights</p>
</li>
<li data-start="2465" data-end="2502">
<p data-start="2467" data-end="2502">Add a planter with spring flowers</p>
</li>
<li data-start="2503" data-end="2544">
<p data-start="2505" data-end="2544">Create a small coffee or reading corner</p>
</li>
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<p data-start="2546" data-end="2625">These small touches can make your patio feel ready for the warmer months ahead. </p>
<hr data-start="2627" data-end="2630">
<h3 data-start="2632" data-end="2661">Plant a Small Herb Garden</h3>
<p data-start="2662" data-end="2757">Spring is the perfect time to start a small herb garden—and you don't need much space to do it.</p>
<p data-start="2759" data-end="2815">Try planting <strong data-start="2772" data-end="2789">one large pot</strong> with a mix of herbs like:</p>
<ul data-start="2816" data-end="2857">
<li data-start="2816" data-end="2825">
<p data-start="2818" data-end="2825">Basil</p>
</li>
<li data-start="2826" data-end="2837">
<p data-start="2828" data-end="2837">Parsley</p>
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<li data-start="2838" data-end="2848">
<p data-start="2840" data-end="2848">Chives</p>
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<li data-start="2849" data-end="2857">
<p data-start="2851" data-end="2857">Mint</p>
</li>
<li data-start="2849" data-end="2857">Dill</li>
</ul>
<p data-start="2859" data-end="2975">Place it on your patio or near a sunny kitchen window and you'll have fresh herbs ready for cooking all season long.</p>
<hr data-start="2977" data-end="2980">
<h3 data-start="2982" data-end="3011">Hike the Table Rock Trail</h3>
<p data-start="3012" data-end="3101">As the foothills turn green again, it's the perfect time to explore Boise's trail system.</p>
<p data-start="3103" data-end="3305">The <strong data-start="3107" data-end="3127">Table Rock Trail</strong>, part of the Ridge to Rivers network, is one of the most iconic hikes in the area. The moderate climb rewards hikers with sweeping views of Boise and the entire Treasure Valley.</p>
<p data-start="3307" data-end="3383">Spring is an especially beautiful time to go before the summer heat arrives.</p>
<hr data-start="3385" data-end="3388">
<h3 data-start="3390" data-end="3421">Attend a Local Spring Event</h3>
<p data-start="3422" data-end="3478">Spring also brings some of Boise's most exciting events.</p>
<p data-start="3480" data-end="3502">Two favorites include:</p>
<p data-start="3504" data-end="3640"><strong data-start="3504" data-end="3531">Treefort Music Festival</strong> – One of Boise's most vibrant events, Treefort fills downtown with music, art, food, and energy each spring held March 25-29th at locations throughout downtown Boise.</p>
<p data-start="3642" data-end="3826"><strong data-start="3642" data-end="3676">The Boise Flower & Garden Show</strong> – Held <strong data-start="3684" data-end="3713">March 27–29 at Expo Idaho</strong>, this event is perfect for anyone looking for gardening inspiration, landscaping ideas, and outdoor living tips.</p>
<hr data-start="3828" data-end="3831">
<h3 data-start="3833" data-end="3862">A Season for Fresh Starts</h3>
<p data-start="3863" data-end="4112">Spring always feels like a fresh chapter in the Treasure Valley. Whether it's soaking in Idaho City, hiking the foothills, visiting the farmers market, or enjoying brunch with friends, this season offers so many ways to reconnect with the community.</p>
<p data-start="4114" data-end="4219">Sometimes the best way to welcome spring is simply to get out and enjoy everything our area has to offer.</p>]]>
        </description>
        <pubDate>
            <![CDATA[Thu, 19 Mar 2026 18:50:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2026/03/09/7-things-to-add-to-your-spring-bucket-list-in-the-treasure-valley]]>
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                <![CDATA[Uncategorized]]>
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        <title>
            <![CDATA[February Market Report]]>
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        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2026/03/19/february-market-report-3]]>
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        <description>
            <![CDATA[<h3><span><span style="line-height: 9pt;"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/Feb_Market_Report_Mock_Up.png" width="658" height="853" alt="" style="display: block; margin-left: auto; margin-right: auto;"></span><em><span style="line-height: 9pt;"><br></span></em></span></h3>
<h6><span><em>From Our Friends At<a href="https://www.boirealtors.com/february-2026-market-report/"> Boise Regional REALTORS<sup>®</sup></a></em></span></h6>
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<h3><strong>ADA COUNTY</strong></h3>
<p><strong>MEDIAN SALES PRICE —</strong></p>
<ul>
<li>Resale homes aged 11–30 saw higher sales in February, with prices holding steady from January ($540K in January to $542K in February). New-never occupied homes also increased in February, with prices rising slightly ($549K in January to $555K in February).</li>
<li>Boise and Meridian were the only Ada County cities with homes selling under $400K in February, with 34 in Boise and 14 in Meridian.</li>
</ul>
<p><strong>HOMES SOLD —</strong></p>
<ul>
<li>Resale homes aged 11–30 rose 60% this month, driven by Boise and Meridian, while other age groups remained steady. </li>
<li>New-never occupied homes increased 30%, boosting overall new home sales, with gains in Eagle, Kuna, and Meridian.</li>
</ul>
<p><strong>PENDING SALES —</strong></p>
<ul>
<li>53% of homes currently pending sale are set to close next month. These homes are majority resale homes (54%) and 67% are located in either Boise or Meridian. </li>
<li>If things remain as they are, the number of homes pending to close in March 2026 is larger than the number of homes sold in February 2026 in Ada County. This means we will likely see increased sales numbers for Ada next month.</li>
</ul>
<p><strong>INVENTORY —</strong></p>
<ul>
<li>39.7% of inventory was listed in the past month. February listings skewed more toward resale homes (52%) compared to older inventory (37%). </li>
<li>There is a segment of resale homes in Boise (~50 homes) added this month that will likely be sold in the month of March based on average DOMs for similarly aged homes sold in February.</li>
</ul>
<p><strong>DAYS ON MARKET —</strong></p>
<ul>
<li>Average days on market for resale homes between 11-20 years old decreased by 14 days in February. </li>
<li>Price does not appear to be the main driver for how long a home stays on the market before sale in Ada County (shown below). It appears factors like location and age are better predictors.</li>
</ul>
<p></p>
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<div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey"><span style="color: #002169;"><strong>"February marked a strong rebound in Ada County, with increased sales and a surge in pending activity signaling even more momentum ahead. While pricing remained relatively stable, shifts in where homes are selling and the mix of inventory continue to shape overall trends. In a market this dynamic, having a REALTOR® who understands local nuances is essential." </strong></span></div>
<div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey"><span style="color: #002169;"><strong><em>~Susan Weaver, Boise Regional REALTORS® 2025 President</em></strong></span></div>
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<h3><strong>CANYON COUNTY</strong></h3>
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<div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey"><strong>MEDIAN SALES PRICE —</strong></div>
<ul>
<li class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey">Median sales price remained mostly similar in February ($441,990).</li>
<li class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey">The median price of homes <1-5 years old increased by 31%, this was also accompanied by an increase in the number of homes sold at this age group.</li>
<li class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey">Homes older than 20 years tend to have lower median prices than younger homes.</li>
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<p><strong>HOMES SOLD —</strong></p>
<ul>
<li>The increase in sales from January to February was similar to the increase between January and February of last year.</li>
<li>Half of the homes (51%) sold were new, this is about 5% higher than the 2025 average.</li>
</ul>
<p><strong>PENDING SALES —</strong></p>
<ul>
<li>The number of homes pending sale was higher in February than in January (702), the median price of these homes is $454,990.</li>
<li>63% of the pending sales are for new homes with a median price of $471,469. </li>
<li>The median price of pending resale homes is only $418,950.</li>
</ul>
<p><strong>INVENTORY —</strong></p>
<ul>
<li>The median price of homes in inventory increased by 5% which is the same increase of the median price of sold homes. </li>
<li>About 40% of homes on inventory were added in February, the rest have been on the market for an average of 102.3 days.</li>
<li>Half of the homes on the market are in Nampa.</li>
</ul>
<p><strong>DAYS ON MARKET —</strong></p>
<ul>
<li>The average days on market for February remained similar for the third month in a row.</li>
<li>Though Caldwell and Nampa sell the most amount of homes in Canyon County, the average days on market of homes sold in Caldwell is almost two weeks longer than the average of homes sold in Nampa (71 and 58 days respectively).</li>
</ul>
<hr>
<p><span style="color: #002169;"><strong>"February showed renewed strength in Canyon County, with a significant increase in sales and steady price growth driven largely by new construction activity. Buyer demand remains strong, particularly in areas like Nampa and Caldwell, while inventory continues to build. In a market like this, having a REALTOR® who understands local trends is key to making informed decisions."<em> ~Susan Weaver, Boise Regional REALTORS® 2025 President</em></strong></span></p>
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<p>To view the Treasure Valley homes currently for sale, <a href="https://www.cbboise.com/results/?autocomplete=off&aid=&oid=&aname=&aimg=&chome=&odoor=&agent_hasfeat=&viewtype=responsive&newsearch=1&newsearchresults=1&page=0&saved_search=0&sort_by=1&condition=or&keySession=&searchBoundaries=&status_types%5B%5D=sale&property_category%5B%5D=residential&property_type%5Bresidential%5D%5B%5D=single&property_type%5Bresidential%5D%5B%5D=townhouse&property_type%5Bresidential%5D%5B%5D=condo&property_type%5Bresidential%5D%5B%5D=mobile&property_type%5Bresidential%5D%5B%5D=prefab&pricemin=&pricemax=&bedmore=1&bedrooms=&bath_thre=1&bath_full=&sqfoot_low=&sqfoot_high=&acres=&acres_h=&yb_l=&yb_h=&taxmin=&taxmax=&garages=&garages_alt=1&stories=&fireplaces=&pool=&allowpets=&home_type=&reducedpricedays=&pastdays=0&foreclosure=&shortsale=&pagenum=1" target="_blank" rel="noopener">CLICK HERE</a></p>
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        <pubDate>
            <![CDATA[Thu, 19 Mar 2026 13:22:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2026/03/19/february-market-report-3]]>
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                    <category>
                <![CDATA[Uncategorized]]>
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        <title>
            <![CDATA[A Simple Spring Cleaning Plan: One Day a Week]]>
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        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2026/03/09/a-simple-spring-cleaning-plan-one-day-a-week]]>
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        <description>
            <![CDATA[<p data-start="452" data-end="691"></p>
<p data-start="452" data-end="691"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/AdobeStock_1874456149.jpeg" width="650" height="366" alt=""></p>
<p data-start="452" data-end="691"><em>Spring cleaning doesn't have to mean spending an entire weekend surrounded by cleaning supplies and overflowing donation boxes. Instead, think of it as a <strong data-start="606" data-end="622">spring reset</strong>—a thoughtful way to refresh your home one manageable step at a time.</em></p>
<p data-start="693" data-end="814"><em>By dedicating <strong data-start="707" data-end="741">just one focused day each week</strong>, you can tackle the spaces that matter most without feeling overwhelmed.</em></p>
<hr data-start="816" data-end="819">
<h3 data-start="821" data-end="866">Week 1: Declutter the Spaces You Use Most</h3>
<p data-start="867" data-end="898">Start where daily life happens and makes the most visual impact.</p>
<p data-start="900" data-end="1083">Focus on the rooms that shape your everyday routine, usually the living room, dining area, and entryway. Clearing clutter here instantly makes your home feel lighter and more inviting.</p>
<p data-start="1085" data-end="1107"><strong data-start="1085" data-end="1107">Try this approach:</strong></p>
<ul data-start="1108" data-end="1328">
<li data-start="1108" data-end="1168">
<p data-start="1110" data-end="1168">Clear surfaces like coffee tables, consoles, and shelves, and then clean with wood polish or a multi-purpose cleaner.</p>
</li>
<li data-start="1169" data-end="1223">
<p data-start="1171" data-end="1223">Sort through mail, papers, and miscellaneous items</p>
</li>
<li data-start="1224" data-end="1281">
<p data-start="1226" data-end="1281">Refresh entryway baskets, coat hooks, or shoe storage</p>
</li>
<li data-start="1282" data-end="1328">
<p data-start="1284" data-end="1328">Add some spring decor to freshen up the space like a new candle, fresh flowers, or new pillow.</p>
</li>
</ul>
<p data-start="1330" data-end="1419">Small edits in high-traffic areas can dramatically change how your home feels day to day.</p>
<hr data-start="1421" data-end="1424">
<h3 data-start="1426" data-end="1457">Week 2: Refresh the Kitchen</h3>
<p data-start="1458" data-end="1567">The kitchen is often the heart of the home, and a seasonal reset here can make everyday routines feel easier.</p>
<p data-start="1569" data-end="1582"><strong data-start="1569" data-end="1582">Focus on:</strong></p>
<ul data-start="1583" data-end="1776">
<li data-start="1583" data-end="1627">
<p data-start="1585" data-end="1627">Cleaning out the refrigerator and pantry (get rid of expired and unused foods)</p>
</li>
<li data-start="1628" data-end="1674">
<p data-start="1630" data-end="1674">Wiping cabinet fronts and backsplash areas</p>
</li>
<li data-start="1675" data-end="1730">
<p data-start="1677" data-end="1730">Decluttering utensils, gadgets, and duplicate items</p>
</li>
<li data-start="1731" data-end="1776">
<p data-start="1733" data-end="1776">Organizing drawers and storage containers</p>
</li>
</ul>
<p data-start="1778" data-end="1895">Even small changes, like clearing countertops or organizing spices, can make the kitchen feel more open and functional.</p>
<hr data-start="1897" data-end="1900">
<h3 data-start="1902" data-end="1929">Week 3: Reset Bathrooms</h3>
<p data-start="1930" data-end="2009">Bathrooms are small spaces, but they benefit greatly from a thoughtful refresh.</p>
<p data-start="2011" data-end="2037"><strong data-start="2011" data-end="2037">This week's checklist:</strong></p>
<ul data-start="2038" data-end="2224">
<li data-start="2038" data-end="2088">
<p data-start="2040" data-end="2088">Deep clean sinks, faucets, and shower surfaces</p>
</li>
<li data-start="2089" data-end="2127">
<p data-start="2091" data-end="2127">Wash bath mats and shower curtains</p>
</li>
<li data-start="2128" data-end="2171">
<p data-start="2130" data-end="2171">Declutter drawers and medicine cabinets</p>
</li>
<li data-start="2172" data-end="2224">
<p data-start="2174" data-end="2224">Replace worn towels, bath mats and rugs</p>
</li>
</ul>
<p data-start="2226" data-end="2298">A clean, organized bathroom instantly feels more spa-like and welcoming.</p>
<hr data-start="2300" data-end="2303">
<h3 data-start="2305" data-end="2345">Week 4: Refresh Bedrooms and Closets</h3>
<p data-start="2346" data-end="2447">Bedrooms should feel calm and restorative. Spring is the perfect time to reset these personal spaces.</p>
<p data-start="2449" data-end="2462"><strong data-start="2449" data-end="2462">Focus on:</strong></p>
<ul data-start="2463" data-end="2628">
<li data-start="2463" data-end="2493">
<p data-start="2465" data-end="2493">Rotating seasonal clothing</p>
</li>
<li data-start="2494" data-end="2531">
<p data-start="2496" data-end="2531">Donating items you no longer wear</p>
</li>
<li data-start="2532" data-end="2581">
<p data-start="2534" data-end="2581">Washing bedding, mattress covers, and pillows</p>
</li>
<li data-start="2582" data-end="2628">
<p data-start="2584" data-end="2628">Organizing and clearning nightstands and dresser drawers</p>
</li>
</ul>
<p data-start="2630" data-end="2726">A simplified closet can make mornings easier—and a refreshed bedroom often leads to better rest.</p>
<hr data-start="2728" data-end="2731">
<h3 data-start="2733" data-end="2767">Week 5: Prepare Outdoor Spaces</h3>
<p data-start="2768" data-end="2842">As the weather warms, outdoor areas become natural extensions of the home.</p>
<p data-start="2844" data-end="2858">Spend time on:</p>
<ul data-start="2859" data-end="3002">
<li data-start="2859" data-end="2888">
<p data-start="2861" data-end="2888">Sweeping patios and decks</p>
</li>
<li data-start="2889" data-end="2919">
<p data-start="2891" data-end="2919">Cleaning outdoor furniture</p>
</li>
<li data-start="2920" data-end="2958">
<p data-start="2922" data-end="2958">Refreshing planters or garden beds</p>
</li>
<li data-start="2959" data-end="3002">
<p data-start="2961" data-end="3002">Checking exterior lighting and pathways</p>
</li>
</ul>
<p data-start="3004" data-end="3112">Even a modest outdoor refresh can create a welcoming space for relaxing evenings or gatherings with friends.</p>
<hr data-start="3114" data-end="3117">
<h3 data-start="3119" data-end="3164">The Secret to Spring Cleaning That Sticks</h3>
<p data-start="3165" data-end="3233">The key isn't doing everything, it's doing <strong data-start="3207" data-end="3232">a little consistently</strong>.</p>
<p data-start="3235" data-end="3392">By spreading projects over several weeks, your home gradually becomes lighter, calmer, and more organized without the stress of a full-day cleaning marathon.</p>
<p data-start="3394" data-end="3586">And as every homeowner knows, when a space feels refreshed, it changes how you experience it. Spring isn't just about cleaning—it's about creating a home that feels ready for the season ahead. Also, consider letting professionals tackle some of the bigger items that make a big impact: pressure washing, window washing, landscape pruning/planting and carpet cleaning are just a few.</p>
<p data-start="3394" data-end="3586">Your home will feel ready for a new season.</p>]]>
        </description>
        <pubDate>
            <![CDATA[Mon, 16 Mar 2026 10:59:00 EST]]>
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        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2026/03/09/a-simple-spring-cleaning-plan-one-day-a-week]]>
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                <![CDATA[Uncategorized]]>
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        <item>
        <title>
            <![CDATA[Credit Reports and Scores]]>
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        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2026/03/09/credit-reports-and-scores-2]]>
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            <![CDATA[<p></p>
<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogHeader-1120x630_2025.png" width="549" height="309" alt="" style="display: block; margin-left: auto; margin-right: auto;"></p>
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<p><em>Whether buying a pack of gum at a quickie mart, financing a car, or paying for a home or a college education, most people use some form of credit daily. Credit offers a way for us to get the things we want without having to carry cash, and it allows us to buy things we might not be able to afford all at once by paying over time.</em></p>
<p><em>What is credit? At the most basic level, credit is a promise that you will repay any loan according to the terms of the agreement between you and a lender. </em></p>
<p><em>If a friend has ever asked if they could borrow your money, you may have asked yourself whether they could pay you back. Lenders ask themselves similar questions and have devised a system to rate the likelihood that people will repay their debts. This system consists of credit reports and credit scores.</em></p>
<p><strong>Credit Reports </strong></p>
<p>A credit report is a financial report card that contains detailed personal and financial information dating back seven years or more. You have three credit reports assembled by the three major credit reporting bureaus - Experian, Equifax, and TransUnion. Credit report information includes:</p>
<ul>
<li>Social Security number and date of birth.</li>
<li>Current and previous addresses.</li>
<li>Current and previous employers.</li>
<li>Recent credit inquiries.</li>
<li>Tax or legal issues, including bankruptcies, liens, and foreclosures.</li>
<li>Active loans and lines of credit, including the percentage of available credit used.</li>
<li>Loan repayment history.</li>
<li>Details of accounts that have been referred to a collection agency.</li>
</ul>
<p>A credit report filled with missed payments and other harmful items will make it more challenging to get loans, and loans will be more expensive since the interest rate will be higher to offset the increased risk of default. And the penalties don't stop there - banks, insurance companies, credit card companies, utilities, landlords, and even employers can access and use your credit report to make decisions about you. About half of all employers use credit reports as a factor in making hiring decisions.</p>
<p>Given the pervasive use of credit reports, it's easy to understand the importance of maintaining a favorable report.</p>
<p>Reviewing your credit reports at least once yearly is a good idea. By doing so, you can spot errors and even identity theft. Call the credit bureau immediately if you find errors on your credit report. Under the Fair Credit Reporting Act, the bureaus have 30 days to investigate and correct any erroneous information.</p>
<p>Credit reporting agencies are required to offer a free report once per year through the government-mandated<span> </span><a href="https://www.annualcreditreport.com/" target="_blank" rel="noopener">AnnualCreditReport.com</a><span> </span>website. The agencies may also try to sell you services as you review your report, but these extras are not required.</p>
<p>Many websites offer so-called "free" credit reports and scores, but most of those sites try to sign you up for a credit monitoring service. These services are unnecessary for most and often cost $150 or more annually.</p>
<p><strong>Credit Scores</strong></p>
<p>If your credit report is like a report card, your credit score is your overall credit grade. A credit score is a three-digit number that summarizes everything about your credit report into one number. Credit scores typically range between 300 and 850, with around 700 being average. The higher the score, the better.</p>
<p>The most commonly known score was created by the Fair Isaac Corporation, which is why credit scores are sometimes called FICO scores. While there are various credit score providers, scores are determined based on factors including:</p>
<ul>
<li>Payment history - Whether you pay your bills on time. Late payments can lower your score.</li>
<li>Credit utilization - The ratio of credit you're using compared to your limit. </li>
<li>Length of credit history - How long you've had credit. The longer, the better.</li>
<li>New credit - Opening new accounts can temporarily lower your average account age and score.</li>
<li>Credit mix - Having different types of credit (credit cards, loans, mortgages, etc) can improve your score.</li>
</ul>
<p>The interest rate you receive on most loans is based, to a large degree, on your credit score. Building and maintaining a solid credit history is the only way to earn a high credit score. Review our Maintaining and Improving Your Credit Score topic for more details.</p>
<p>While access to your credit reports is free via the AnnualCreditReport.com website, there's no government mandate to provide free credit scores. Here's how you can check your score:</p>
<ul>
<li>Credit Reporting Agencies – You can purchase a score directly from Equifax, Experian, and TransUnion. </li>
</ul>
<ul>
<li>Credit Card Providers - Many issuers offer free credit scores as a part of their services. These are often available in the account management section of your online account. </li>
</ul>
<ul>
<li>Paid Services - There are many services that, for a monthly fee, provide you with access to your credit score and credit monitoring services. Be cautious and research thoroughly before paying for any services to avoid scams.</li>
</ul>
<ul>
<li>Free Online Platforms - Websites and apps like Credit Karma, Credit Sesame, and WalletHub offer free access to your credit score. These platforms provide VantageScore, which is slightly different from the FICO score used by many lenders but can still give you a good idea of your credit standing.</li>
</ul>
<ul>
<li>Directly from FICO - The Fair Isaac Corporation (FICO) is behind the most commonly used credit score model. You can purchase your FICO score from their website.</li>
</ul>
<ul>
<li>Credit Unions and Banks - Some banks and credit unions offer their members or customers free credit scores.</li>
</ul>
<p>When creating a new account to access your credit score, you must provide sensitive personal information. Always use strong, unique passwords and take advantage of the platform's additional security features. And be wary of services that claim to offer "free" scores but require credit card information. Some might enroll you in a trial service that could incur charges if not canceled.</p>
<p>Remember, while your credit score is a crucial part of your financial health, reviewing the full report is essential to check for errors or signs of fraud. Regularly monitoring both ensures you're informed and can take action when necessary.</p>
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<div class="col-sm-12"><a href="https://moneyedu.iccu.com/public/featured-topic.cfm?code=ICCU&moduleid=10&popular&name=Credit%20Reports%20and%20Scores&resources">Source</a></div>
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<p><a href="https://www.iccu.com/coldwell-banker-tomlinson-mortgage-loan-officers"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogFooter-1120x450_2025.png" width="744" height="268" alt="" style="display: block; margin-left: auto; margin-right: auto;"></a></p>
<p> </p>]]>
        </description>
        <pubDate>
            <![CDATA[Mon, 09 Mar 2026 16:28:00 EST]]>
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        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2026/03/09/credit-reports-and-scores-2]]>
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                    <category>
                <![CDATA[Personal Finance]]>
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        <item>
        <title>
            <![CDATA[January Market Report]]>
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        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2026/02/18/january-market-report-3]]>
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        <description>
            <![CDATA[<h3><span><span style="line-height: 9pt;"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/2026_mock_up_copy.png" width="400" height="463" alt="" style="display: block; margin-left: auto; margin-right: auto;"></span><em><span style="line-height: 9pt;"><br></span></em></span></h3>
<h6><span><em>From Our Friends At<a href="https://www.boirealtors.com/january-2026-market-report/"> Boise Regional REALTORS<sup>®</sup></a></em></span></h6>
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<h3><strong>ADA COUNTY</strong></h3>
<p><strong>MEDIAN SALES PRICE —</strong></p>
<ul>
<li>Homes sold in Meridian comprised 31% of sales in January, compared to 36% of homes sold in December. The median sales price of homes sold in Meridian has trended ~$50-75K lower than Ada County overall for the past six months. </li>
<li>The most affordable homes in Ada County continue to be located in Kuna where the median sales price of homes sold in January was $424,990.</li>
</ul>
<p><strong>HOMES SOLD —</strong></p>
<ul>
<li>Sales declined in January for both new and resale homes in Ada County. The decline was most significant for resale homes between 11-30 years old (-39% in sales volume from December to January). Despite this drop, sales still remain at a slightly higher level than this point in 2025.</li>
<li>Out of all cities in Ada, Meridian saw the largest drop in sales this month (-30%), mainly due to decline in new home sales.</li>
</ul>
<p><strong>PENDING SALES —</strong></p>
<ul>
<li>63% of homes included in pending sales were originally designated as pending sale in January 2026. 80% of homes that were originally designated as pending sale before January 2026 are new homes (compared to 47% of homes that changed to pending sale in January 2026). </li>
<li>Homes set to close next month (48% of current pendings) are slightly more likely to be new homes (40%) than homes sold in Ada County in January (36%).</li>
</ul>
<p><strong>INVENTORY —</strong></p>
<ul>
<li>35% of homes currently in inventory were added in January. One-third of these homes added are located in Meridian where the vast majority are new homes. In overall inventory, 60% of homes are new. Homes added in January were evenly split between new and resale homes. </li>
<li>Madrone Heights in Kuna and Centerville in Meridian currently have 32 homes in inventory, the most of any other subdivisions in Ada County.</li>
</ul>
<p><strong>DAYS ON MARKET —</strong></p>
<ul>
<li>There is a significant discrepancy between the days on market (DOM) and cumulative days on market (CDOM) for younger resale homes sold in Meridian and Eagle this month. DOM averages the number of days properties have been actively marketed from the time they are listed until they go under contract. CDOM provides a broader view by continuing to count days if the property is taken off the market as long as it is relisted within 90 days.</li>
</ul>
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<div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey"><span style="color: #002169;"><strong>"January brought a natural seasonal slowdown in Ada County, with fewer sales but a healthy jump in pending activity. We're also seeing pricing influenced by where homes are selling, especially with fewer of the more affordable Meridian properties closing this month. In a market this nuanced, having a REALTOR® who understands local trends city by city truly makes a difference. " <em>~Susan Weaver, Boise Regional REALTORS® 2025 President</em></strong></span></div>
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<h3><strong>CANYON COUNTY</strong></h3>
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<div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey"><strong>MEDIAN SALES PRICE —</strong></div>
<ul>
<li class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey">The median sales price of homes sold in January remained similar to December.</li>
<li class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey">The median price of homes in Canyon has not varied much since last January with only a range of $24,000 between monthly medians. This indicates some level of stability in the market.</li>
<li class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey">The median price of homes 81 years or older decreased by $48,500 (15%) in January.</li>
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<p><strong>HOMES SOLD —</strong></p>
<ul>
<li>96 fewer new construction homes sold in January (-45%). They accounted for 44% of total sales, compared to 52% in December.</li>
<li>103 fewer homes sold in Nampa (-46%) in January and accounted for 45% of total sales, compared to 55% in December.</li>
<li>While sales slid month-over-month, resale sales carried closings for year-over-year comparisons, rising by 12.6%.</li>
</ul>
<p><strong>PENDING SALES —</strong></p>
<ul>
<li>Even with the drop of sales, the number of pending sales at the end of January was higher than it has been in months (609), about half of these homes are set to close in February.</li>
<li>63% of the pending sales (381) are new homes. 77% of these new homes are either in Caldwell or Nampa.</li>
<li>The median price of homes pending sale is $465,990 and had been on the market for an average of 53 days.</li>
</ul>
<p><strong>INVENTORY —</strong></p>
<ul>
<li>37% of the homes on inventory were added in January; the other homes on the market have been on the market an average of 108 days. </li>
<li>67 homes on the market have already dropped their listing price by $40,000 or more. These homes have been on the market for an average of 166 days. </li>
<li>New resale homes (aged <1-10 years) have the highest average list prices of homes on the market.</li>
</ul>
<p><strong>DAYS ON MARKET —</strong></p>
<ul>
<li>The average DOM for houses sold in Canyon County increased slightly to 63 days in January. This is two weeks longer than the average DOM in Canyon County for all of 2025 (49 days). In January, a home in the 11-20 month age group sold that had been on the market for a year and a half which did slightly skew the average by two days.</li>
<li>Homes in Caldwell in January tended to be on the market on average longer than in the other cities in Canyon.</li>
</ul>
<hr>
<p><span style="color: #002169;"><strong>"While sales dipped in January, pricing in Canyon County has remained remarkably steady over the past year. New construction continues to play a significant role, particularly in Nampa and Caldwell, even as buyers take a little more time to make decisions. This kind of steady but shifting market is exactly where experienced guidance adds real value."<em> ~Susan Weaver, Boise Regional REALTORS® 2025 President</em></strong></span></p>
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</div>
<p>To view the Treasure Valley homes currently for sale, <a href="https://www.cbboise.com/results/?autocomplete=off&aid=&oid=&aname=&aimg=&chome=&odoor=&agent_hasfeat=&viewtype=responsive&newsearch=1&newsearchresults=1&page=0&saved_search=0&sort_by=1&condition=or&keySession=&searchBoundaries=&status_types%5B%5D=sale&property_category%5B%5D=residential&property_type%5Bresidential%5D%5B%5D=single&property_type%5Bresidential%5D%5B%5D=townhouse&property_type%5Bresidential%5D%5B%5D=condo&property_type%5Bresidential%5D%5B%5D=mobile&property_type%5Bresidential%5D%5B%5D=prefab&pricemin=&pricemax=&bedmore=1&bedrooms=&bath_thre=1&bath_full=&sqfoot_low=&sqfoot_high=&acres=&acres_h=&yb_l=&yb_h=&taxmin=&taxmax=&garages=&garages_alt=1&stories=&fireplaces=&pool=&allowpets=&home_type=&reducedpricedays=&pastdays=0&foreclosure=&shortsale=&pagenum=1" target="_blank" rel="noopener">CLICK HERE</a></p>
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        <pubDate>
            <![CDATA[Wed, 18 Feb 2026 12:53:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2026/02/18/january-market-report-3]]>
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                    <category>
                <![CDATA[Uncategorized]]>
            </category>
                    <category>
                <![CDATA[News]]>
            </category>
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        <title>
            <![CDATA[Local Spotlight: The Treasure Valley's "Big Three" — Where to Call Home in 2026]]>
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        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2026/02/04/local-spotlight-the-treasure-valley-s-big-three-where-to-call-home-in-2026]]>
        </link>
        <description>
            <![CDATA[<h1 data-path-to-node="3"><img src="http://mschroeder.cbboise.com/shared/fs/0759/company/AdobeStock_406468840_Editorial_Use_Only.jpeg" width="650" height="433" alt=""></h1>
<p data-path-to-node="4"><em>The Treasure Valley has officially evolved from a hidden gem into a dynamic Pacific Northwest powerhouse. But as the valley grows, the personalities of its primary cities—Boise, Meridian, and Nampa—have become more distinct. Whether you're looking for historic charm, master-planned convenience, or the best bang for your buck, here is how the "Big Three" stack up in today's market.</em></p>
<h3 data-path-to-node="5">1. Boise: The Character & Culture Hub</h3>
<p data-path-to-node="6">Boise remains the heart of the valley, defined by its "amenity-rich" lifestyle. In 2026, the market here is all about inventory selectivity.</p>
<ul data-path-to-node="7">
<li>
<p data-path-to-node="7,0,0">The Vibe: From the historic North End to the rising Southeast corridor near the Micron expansion, Boise is for those who want a 10-minute commute and immediate access to the Greenbelt.</p>
</li>
<li>
<p data-path-to-node="7,1,0">Real Estate Take: While newer parts of the valley see more price flexibility, core Boise neighborhoods are holding their value best. Character properties—Victorians and Mid-Century Moderns—remain the "gold standard" for long-term appreciation.</p>
</li>
</ul>
<h3 data-path-to-node="8">2. Meridian: The Epicenter of Innovation</h3>
<p data-path-to-node="9">Meridian has transitioned from a suburb to a self-contained destination. Two major areas are redefining the city as we move into the 2026 spring market:</p>
<ul data-path-to-node="10">
<li>
<p data-path-to-node="10,0,0">The District at 10 Mile: This is the big talk of 2026. Often called "The Village 2.0," this $1 billion, 200-acre mixed-use hub is roughly four times the size of the original Village. With Target as an anchor, it's creating a true "urban-style" district where you can live, work, and dine without ever leaving the 10 Mile corridor.</p>
</li>
<li>
<p data-path-to-node="10,1,0">The South Meridian Boom: If you haven't driven south of the freeway lately, you'd hardly recognize it. South Meridian is the valley's premier growth zone. Huge master-planned communities like Pinnacle and Southridge are offering resort-style living with incredible views and massive community parks, drawing in buyers who want high-end new construction. A Costco is planned in 2026 off Meridian Road and Lake Hazel.</p>
</li>
<li>
<p data-path-to-node="10,2,0">Real Estate Take: Meridian is the Convenience Capital. If you want a brand-new home within five minutes of world-class shopping and the valley's best medical hubs, this is your spot.</p>
</li>
</ul>
<h3 data-path-to-node="11">3. Nampa: The Value & Space Frontier</h3>
<p data-path-to-node="12">Nampa has stepped out of the shadow of its neighbors to become the primary choice for buyers seeking elbow room and affordability.</p>
<ul data-path-to-node="13">
<li>
<p data-path-to-node="13,0,0">The Lifestyle: Nampa balances its agricultural roots with a revitalized downtown core that now rivals Boise's for local eats and boutique shopping. It's perfect for those who want a larger lot—think room for a shop, an RV, or a sprawling garden.</p>
</li>
<li>
<p data-path-to-node="13,1,0">Real Estate Take: Nampa remains the affordability champion. In 2026, we're seeing strong year-over-year appreciation here because the entry point is still accessible for many families. It is the "Value Zone" for anyone looking to maximize their square footage.</p>
</li>
</ul>
<p></p>
<h3 data-path-to-node="15">Beyond the Big Three</h3>
<p data-path-to-node="16">While Boise, Meridian, and Nampa often steal the headlines, they are far from the only stars in the Treasure Valley. Cities like <b data-path-to-node="16" data-index-in-node="129">Eagle</b> offer unparalleled luxury and river access, while <b data-path-to-node="16" data-index-in-node="185">Star</b> and <b data-path-to-node="16" data-index-in-node="194">Middleton</b> provide a peaceful, rural-residential feel that is becoming increasingly popular. To the south, <strong>Kuna</strong> has experienced rapid growth over the last decade, offering a perfect balance of affordability and easy access to both Meridian and Boise, and <b data-path-to-node="16" data-index-in-node="370">Caldwell's</b> downtown revitalization and Sunnyslope wine country offer a lifestyle that is uniquely "Idaho." Each of these cities has its own distinct character, ensuring that no matter what your "dream home" looks like, there is a corner of the valley that fits.</p>]]>
        </description>
        <pubDate>
            <![CDATA[Tue, 17 Feb 2026 18:15:00 EST]]>
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        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2026/02/04/local-spotlight-the-treasure-valley-s-big-three-where-to-call-home-in-2026]]>
        </guid>
                    <category>
                <![CDATA[Buying A Home]]>
            </category>
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        <item>
        <title>
            <![CDATA[The Best Indoor Plants for Your Home]]>
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        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2026/02/04/the-best-indoor-plants-for-your-home]]>
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        <description>
            <![CDATA[<p><em></em></p>
<p><em><img src="http://mschroeder.cbboise.com/shared/fs/0759/company/AdobeStock_563044404.jpeg" width="650" height="433" alt=""></em></p>
<p><em>Indoor plants add elements of charm and personality to a home. When you match greenery to each room's light and humidity, plants thrive naturally and require less effort. Let's explore the best indoor plants for every space and how they can transform your living areas.</em></p>
<h3><strong>Entryway Indoor Plants Set the Tone</strong></h3>
<p>First impressions matter, and<span> </span><a href="https://blog.coldwellbanker.com/the-best-entryway-decor-ideas/">entryways</a><span> </span>set the tone for the entire home. These areas can be challenging for plants due to low light and drafts, so hardy greenery is ideal. The<span> </span><a href="https://www.countryliving.com/uk/homes-interiors/interiors/a64699943/aspidistra-plant/">Cast Iron plant</a><span> </span>thrives in dim corners and narrow hallways. Its upright shape fits small spaces without blocking pathways and requires very little care.<span> </span><a href="https://www.marthastewart.com/8031179/snake-plant-grow-guide">Snake plants</a><span> </span>are another reliable option. They tolerate average indoor light and bring structure to smaller entryways, making the space feel polished and inviting. Both plants add lush greenery with minimal maintenance, instantly enhancing the foyer.</p>
<h3><strong>Living Room Greenery Ground the Space</strong></h3>
<p>Living rooms benefit from plants that stand out without overwhelming furniture.<span> </span><a href="https://www.bhg.com/indoor-palm-plants-8553059">Parlor Palms</a><span> </span>add height and scale to larger rooms. Their feathery fronds soften sharp edges and bring a natural flow to corners or high-ceilinged spaces. Areca palms add movement and texture, balancing clean-lined furniture and darker finishes. For smaller areas or shelves,<span> </span><a href="https://www.countryliving.com/gardening/garden-ideas/a35154804/spider-plant/">Spider Plants</a><span> </span>are ideal. Its long, arching leaves bring life and motion, giving a curated, professional look with minimal effort. Together, these plants create a vibrant yet harmonious living area.</p>
<h3><strong>Dining Room Plants Elevate the Mood</strong></h3>
<p>Dining rooms need greenery that complements the space without interfering with meals.<span> </span><a href="https://www.southernliving.com/how-often-to-water-money-trees-11865290">Money Trees,</a><span> </span>with their braided trunks and leafy canopies, make a striking statement in corners or on sideboards. A<span> </span><a href="https://www.bhg.com/how-to-grow-monstera-6827870">Monstera plant</a><span> </span>brings sculptural interest with large, relaxed leaves that pair beautifully with wood tables and layered lighting.<span> </span><a href="https://www.homesandgardens.com/gardens/where-to-place-a-peace-lily-2026">Peace Lilies</a><span> </span>add quiet elegance. Placed on a console, they brighten the room without clutter and are simple to maintain. These plants enhance ambiance while remaining functional for everyday living and entertaining.</p>
<h3><strong>Kitchen Spruce That Brings Fresh Energy</strong></h3>
<p>Kitchens are active spaces with temperature changes, moisture and daily movement. Adaptable, low-maintenance plants work best. The<span> </span><a href="https://www.housedigest.com/1959034/how-to-grow-care-for-money-plant-houseplant/">Chinese Money Plant (Pilea)</a><span> </span>thrives on windowsills or floating shelves. Its coin-shaped leaves and rapid growth make it a fun, interactive addition. You can even propagate baby plants to start new pots or share with friends, creating a playful and living décor element in your kitchen.</p>
<h3><strong>Bathroom Greenery Adds Tropical Flair</strong></h3>
<p>Bathrooms naturally provide the moisture many plants crave.<span> </span><a href="https://www.bhg.com/gardening/houseplants/projects/9-top-ferns-to-grow-as-houseplants/">Bird's Nest Ferns</a><span> </span>flourish in steam-filled spaces. Their bright, wavy leaves look beautiful on a vanity or tub edge, turning a simple bathroom into a relaxing, green retreat. Boston Ferns are another excellent choice. Their full fronds soften tile, glass and stone surfaces, adding lush texture and a sense of calm.</p>
<h3><strong>Bedroom Plants Support Restful Spaces</strong></h3>
<p>Bedrooms call for soothing, understated greenery.<span> </span><a href="https://www.southernliving.com/garden/indoors/calathea-plant-care">Calatheas</a>, or Prayer Plants, make excellent bedside companions. Their leaves fold at night and open in the morning, creating a subtle, living rhythm. With filtered water and light care, they add life to a nightstand while keeping the space serene.<span> </span><a href="https://www.thespruce.com/grow-aglaonema-houseplants-1902734">Chinese Evergreens</a><span> </span>are a quieter alternative, offering patterned leaves and slow growth that bring texture without demanding attention.</p>
<p>A well-placed plant is the finishing touch that transforms a house into a curated home. When greenery aligns with each room's light, humidity and purpose, it thrives naturally and enhances how a home feels and functions. Start with one carefully chosen plant, and you'll see how simple greenery can make every space inviting and alive.</p>
<p></p>
<p>by <a href="https://blog.coldwellbanker.com/author/kimberly-quevedo/" class="text-sm text-paleblue2 hover:text-softblue">Kimberly Quevedo</a></p>
<p></p>]]>
        </description>
        <pubDate>
            <![CDATA[Mon, 09 Feb 2026 17:30:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2026/02/04/the-best-indoor-plants-for-your-home]]>
        </guid>
                    <category>
                <![CDATA[Home Improvement]]>
            </category>
                    <category>
                <![CDATA[Gardening]]>
            </category>
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        <item>
        <title>
            <![CDATA[Planning For Your Home Purchase]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2026/02/02/planning-for-your-home-purchase-2]]>
        </link>
        <description>
            <![CDATA[<p></p>
<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogHeader-1120x630_2025.png" width="549" height="309" alt="" style="display: block; margin-left: auto; margin-right: auto;"></p>
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<p><em>Before you buy a home, it's essential to understand how much debt is reasonable for you and what upfront costs you'll face during the purchase process. From the down payment to closing costs, having a clear picture of your financial situation will help you avoid unpleasant surprises and ensure you're making a sound investment.</em></p>
<p><strong>The Debt-to-Income Ratio</strong></p>
<p>When you apply for a mortgage, lenders will closely examine your finances to determine how much you can realistically afford to spend on a home. One of the key measures they use is your "debt-to-income ratio" (DTI), which compares your pre-tax income to your housing costs and other monthly debt payments. This ratio helps lenders gauge your ability to manage monthly mortgage payments responsibly.</p>
<p><em>How the Debt-to-Income Ratio Works</em></p>
<p>Your DTI is calculated by dividing your total monthly debt payments by your gross (pre-tax) monthly income. For example, if your monthly debts - including housing, credit card payments, and car loans - total $2,000 and your gross income is $5,000, your DTI would be 40%.</p>
<p>Most lenders prefer that your total monthly debts, including your estimated mortgage payment, don't exceed 36% of your gross income. However, this percentage can vary based on your financial situation. If you can make a larger down payment (20% or more) and have little additional debt, some lenders might be willing to accept a higher DTI - sometimes up to 43% or even 50% for certain loan programs.</p>
<p><em>Don't Let the Ratio Fool You</em></p>
<p>Just because a lender approves you for a particular loan amount doesn't mean you can comfortably afford it. You may have heard the term "house poor" before - meaning you own a home but have little money left for anything else because your mortgage and related costs consume most of your income. The DTI ratio only accounts for debts and doesn't consider other significant expenses, such as health insurance, groceries, childcare, transportation, or personal spending habits.</p>
<p>That's why taking a step back and assessing your entire financial picture is essential. Consider consulting with a financial professional who can help you analyze your overall budget and ensure that your home purchase aligns with your long-term financial goals. Remember, the goal is to find a home that enhances your life, not restricts your ability to enjoy it.</p>
<p><strong>Saving for a Home Purchase: More Than Just the Down Payment</strong></p>
<p>When buying a home, there are several upfront costs to consider beyond just the mortgage. These expenses can add up quickly, so it's important to plan ahead and understand what you'll need to save. Here's a breakdown of some common costs you'll encounter:</p>
<p><em>The Down Payment</em></p>
<p>This is likely your largest upfront expense, and it's the amount you pay directly toward the cost of your home. Most down payments range from 5% to 20% of the home's purchase price, but the percentage you need can vary based on your lender and loan type.</p>
<p>For example, if you're purchasing a $300,000 home, a 5% down payment would be $15,000, while a 20% down payment would be $60,000. If you can manage a 20% down payment, you'll avoid the cost of private mortgage insurance (PMI) - a policy that protects the lender if you default on the loan but doesn't benefit you directly. Avoiding PMI can save you hundreds, if not thousands, of dollars per year, making it worth the effort to save up if you can.</p>
<p><em>Closing Costs</em></p>
<p>Closing costs can total between 2% and 5% of the home's price and include expenses like:</p>
<ul>
<li>Loan origination fees (the cost of processing your mortgage application).</li>
<li>Legal fees for handling contracts and paperwork.</li>
<li>Inspection, appraisal, and title search fees to ensure the property is in good condition and has a clear title.</li>
<li>Escrow deposits for taxes and insurance.</li>
<li>Title insurance fees to protect against any issues with the property's ownership history.</li>
</ul>
<p>While these costs can seem overwhelming, some can be rolled into your mortgage or negotiated with the seller. For instance, you might ask the seller to cover some of your closing costs as part of the negotiation process, especially in a buyer's market.</p>
<p><em>Cash Reserves</em></p>
<p>In addition to the down payment and closing costs, many lenders require that you have cash reserves equal to at least two months' worth of principal, interest, taxes, and insurance (PITI) payments. This money shows lenders that you have a financial cushion and can continue making mortgage payments in case of an emergency.</p>
<p><em>Moving and Utility Costs</em></p>
<p>Don't forget about the cost of actually moving into your new home. Whether you're hiring professional movers or renting a truck, moving expenses can add up. You may also need to pay deposits for utilities like electricity, water, and gas, especially if setting up service for the first time.</p>
<p><em>Home Maintenance and Repairs</em></p>
<p>Although you might be focused on getting the keys to your new home, thinking about future expenses is crucial. Every homeowner should budget for ongoing maintenance, repairs, and potential upgrades. A good rule of thumb is to set aside 1% to 3% of your home's value each year for maintenance costs. For a $300,000 home, this means saving $3,000 to $9,000 annually.</p>
<p><strong>How Much Should You Save Before Buying a Home?</strong></p>
<p>To estimate how much you'll need, start by determining how much home you can afford. A common rule of thumb is that your home should cost between two and three times your annual income. For example, if you earn $80,000 per year, you might look for a home priced between $160,000 and $240,000. Keep in mind that this is just a starting point - many factors, such as your debt, location, and lifestyle, will affect how much you can truly afford.</p>
<p>When planning your savings goal, aim to have enough for your down payment, closing costs, moving expenses, and an emergency fund. It's always better to have a little extra than to find yourself strapped for cash after making such a significant purchase.</p>
<p><strong>The Takeaway</strong></p>
<p>Buying a home is a significant financial commitment, and understanding both the upfront costs and long-term responsibilities is key to making an intelligent investment. Take the time to evaluate your financial situation, seek professional guidance if needed, and set realistic goals that align with your lifestyle and future plans. With the right preparation, you'll be ready to make your dream of homeownership a reality.</p>
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<div class="col-sm-12"><a href="https://moneyedu.iccu.com/public/featured-topic-theme.cfm?code=ICCU&FeaturePage=1&ModuleID=250&cbid=3343&resources">Source</a></div>
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<p><a href="https://www.iccu.com/coldwell-banker-tomlinson-mortgage-loan-officers"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogFooter-1120x450_2025.png" width="744" height="268" alt="" style="display: block; margin-left: auto; margin-right: auto;"></a></p>
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        </description>
        <pubDate>
            <![CDATA[Mon, 02 Feb 2026 16:29:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2026/02/02/planning-for-your-home-purchase-2]]>
        </guid>
                    <category>
                <![CDATA[Buying A Home]]>
            </category>
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        <item>
        <title>
            <![CDATA[December Market Report]]>
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        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2026/01/19/december-market-report-2]]>
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        <description>
            <![CDATA[<h3><span><span style="line-height: 9pt;"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/2025_Market_Report.png" width="356" height="255" alt="" style="display: block; margin-left: auto; margin-right: auto;"></span><em><span style="line-height: 9pt;"><br></span></em></span></h3>
<h6><span><em>From Our Friends At<a href="https://www.boirealtors.com/december-2025-market-report/"> Boise Regional REALTORS<sup>®</sup></a></em></span></h6>
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<h3><strong>ADA COUNTY</strong></h3>
<p><strong>MEDIAN SALES PRICE —</strong></p>
<ul>
<li>The number of new home sales increased from November to December and the sales prices of these new homes were 10% lower on average than those sold in November.</li>
<li>Sales prices for new homes declined most significantly in Kuna, Meridian, and Star-the same cities where 77% of new home sales were in December. These price declines likely contributed to overall median sales prices dropping in Ada County in December.</li>
</ul>
<p><strong>HOMES SOLD —</strong></p>
<ul>
<li>In November, 33% of homes sold were new homes and this number increased to 41% of homes sold in December. As a proportion of overall monthly sales, December had the highest level of new homes sales out of any other month in 2025. </li>
<li>The number of homes sold that were over 20 years old decreased by 14.5% from November to December and evidence shows the sales gap between ages narrowed.</li>
</ul>
<p><strong>PENDING SALES —</strong></p>
<ul>
<li>62% of homes pending sale in Ada County in December are new homes. 40% of these pending new homes are located in Meridian, more than double the number located in any other city in Ada County.</li>
<li>A significant proportion of pending sales (44%) are set to close in January 2026.</li>
<li>25% of these homes set to close in the next couple weeks are over 20 years old and located in Boise.</li>
</ul>
<p><strong>INVENTORY —</strong></p>
<ul>
<li>Only 22% of homes in inventory were added this last month. This smaller addition of fresh options resulted in a decline in overall inventory levels from November to December, lowerin the months' supply of inventory to 2.2.</li>
<li>The majority (53%) of homes added to inventory in December were new homes.</li>
<li>64% of homes that have been in inventory over 50 days were new homes.</li>
</ul>
<p><strong>DAYS ON MARKET —</strong></p>
<ul>
<li>Days on market increased significantly for young resale homes sold in December. This pocket of homes comprises less than 5% of overall sales in Ada County for the month.</li>
<li>Resale homes between 21-80 years old had the lowest average days on market out of any other segment in 2025. These homes were on the market for under 30 days on average before being sold this past year.</li>
</ul>
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</div>
<div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey"><span style="color: #002169;"><strong>"December brought a noticeable shift toward new construction, with more buyers finding opportunities in newly built homes at lower price points. While prices softened a bit, activity remained steady. This tells us buyers and sellers are still meeting each other, just with a little more care and intention as the year closed." <em>~Elizabeth Hume, Boise Regional REALTORS® 2025 President</em></strong></span></div>
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<h3><strong>CANYON COUNTY</strong></h3>
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<div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey"><strong>MEDIAN SALES PRICE —</strong></div>
<ul>
<li class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey">The median sales price in Canyon County rose by $10,000 from November to December. MOM % +2.4% +0.0% +3.0%</li>
<li class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey">New homes, homes <1-5 years old, and homes 6-10 years old had similar median prices (around $452,000).</li>
<li class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey">The median price of sold homes in Parma increased by $141,250 in December. Notably, 4 of the 8 homes sold in Parma sold for over $600,000, contributing to the town's median sales price increase.</li>
</ul>
<p><strong>HOMES SOLD —</strong></p>
<ul>
<li>December saw the highest sales of new homes since December 2021.</li>
<li>In 2025, 52% of sold Canyon County homes were in Nampa and a third (33%) were sold in Caldwell</li>
<li>After a significant drop (-25%) in sales in November, sales in December rebounded by 27.6%.</li>
<li>Sales in Nampa were similar to October sales after the November dip while Caldwell didn't fully bounce back.</li>
</ul>
<p><strong>PENDING SALES —</strong></p>
<ul>
<li>475 sales were pending at the end of December. This is a drop of 100 from the end of November.</li>
<li>The median price of pending sales is $462,612, about $40,000 above December's median for closed homes.</li>
<li>62% of pending sales are for new homes. The average price of these homes is $581,475. </li>
<li>There are currently 9 homes pending sale in Star. The most homes sold in Star in a month in 2025 was 8.</li>
</ul>
<p><strong>INVENTORY —</strong></p>
<ul>
<li>About 23% of current inventory was added in December.</li>
<li>Contrary to March 2025's statistic that 17.5% of listings nationally are new construction, 63% of homes in Canyon County are new builds.</li>
<li>14% of homes on the market have decreased their price by $30,000 or more. Homes on the market 81 years or older have had the largest drops in listing prices (-$90,000 on average</li>
</ul>
<p><strong>DAYS ON MARKET —</strong></p>
<ul>
<li>Average days on market increased again in December from 55.5 days in November to 60.6 days in December. The decrease in sales in November may have led to this lag in average days on market.</li>
<li>The average days on market for houses sold in Caldwell increased by about 3 weeks (from 50 days to 73).</li>
<li>Additionally, the average days on market for houses 1-5 years old increased by three weeks (from 27 to 49 days).</li>
</ul>
<hr>
<p><span style="color: #002169;"><strong>"Canyon County rebounded nicely in December after a slower November, especially with strong new home activity. Prices stayed relatively stable, even as days on market stretched slightly. It's a market that rewards patience and thoughtful pricing, particularly during the winter months."<em> ~Elizabeth Hume, Boise Regional REALTORS® 2025 President</em></strong></span></p>
<hr></div>
</div>
<p>To view the Treasure Valley homes currently for sale, <a href="https://www.cbboise.com/results/?autocomplete=off&aid=&oid=&aname=&aimg=&chome=&odoor=&agent_hasfeat=&viewtype=responsive&newsearch=1&newsearchresults=1&page=0&saved_search=0&sort_by=1&condition=or&keySession=&searchBoundaries=&status_types%5B%5D=sale&property_category%5B%5D=residential&property_type%5Bresidential%5D%5B%5D=single&property_type%5Bresidential%5D%5B%5D=townhouse&property_type%5Bresidential%5D%5B%5D=condo&property_type%5Bresidential%5D%5B%5D=mobile&property_type%5Bresidential%5D%5B%5D=prefab&pricemin=&pricemax=&bedmore=1&bedrooms=&bath_thre=1&bath_full=&sqfoot_low=&sqfoot_high=&acres=&acres_h=&yb_l=&yb_h=&taxmin=&taxmax=&garages=&garages_alt=1&stories=&fireplaces=&pool=&allowpets=&home_type=&reducedpricedays=&pastdays=0&foreclosure=&shortsale=&pagenum=1" target="_blank" rel="noopener">CLICK HERE</a></p>
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        </description>
        <pubDate>
            <![CDATA[Mon, 19 Jan 2026 11:33:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2026/01/19/december-market-report-2]]>
        </guid>
                    <category>
                <![CDATA[News]]>
            </category>
                                <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/075900465/2025_Market_Report.png]]></overviewPhoto>    </item>
        <item>
        <title>
            <![CDATA[7 Mistakes to Avoid When Buying Your First Home]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2026/01/07/7-mistakes-to-avoid-when-buying-your-first-home]]>
        </link>
        <description>
            <![CDATA[<div class="entry-content text-black">
<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/company/AdobeStock_277501704.jpeg" width="700" height="467" alt=""></p>
<p><em>Becoming a homeowner is an exciting, decision-packed time that can quickly feel overwhelming. The good news is that you can actually enjoy the journey with confidence and positivity. Just prioritize your financial goals, envision the life you want to create and avoid the most common first-time home buyer mistakes.</em></p>
<h3><strong>Skipping the Pre-Approval Process</strong></h3>
<p>Many first-time buyers start touring properties before locking in a<span> </span><a href="https://www.forbes.com/advisor/ca/mortgages/things-you-need-to-be-preapproved-for-a-mortgage/">mortgage pre-approval</a>. While you may be tempted to jump right into showings, getting pre-approved ensures you understand your budget, strengthens your offer and prevents surprises down the road. It also signals to sellers that you're a serious and qualified candidate, which can give you an advantage in competitive situations.</p>
<h3><strong>Focusing Only on the Home – Not the Location</strong></h3>
<p>You can update a kitchen, replace carpet or apply fresh paint, but you can't change the neighborhood. Be sure to note school districts, commute times, nearby amenities and future development plans. Exploring the area in the morning and evening is another way to determine whether it truly fits your lifestyle.</p>
<h3><strong>Draining Your Savings for the Down Payment</strong></h3>
<p>Contributing as much as you comfortably can toward your<span> </span><a href="https://themortgagereports.com/18520/20-percent-downpayment-risk-mortgage-interest-rate">down payment</a><span> </span>is smart, but don't wipe out your savings. Homeownership comes with unexpected costs – repairs, maintenance and moving expenses. Having a healthy emergency fund means you can handle those unforeseen hiccups without added stress.</p>
<h3><strong>Making Big Purchases Before Closing</strong></h3>
<p>Once your loan application has been submitted, avoid opening new credit cards, financing furniture or making large purchases. Even small monetary changes can affect your approval and delay your closing. Lenders monitor your fiscal stability throughout the process, so staying consistent will keep you in good standing and on schedule.</p>
<h3><strong>Waiving Inspections</strong></h3>
<p>In a competitive market, some inexperienced buyers consider forgoing<span> </span><a href="https://www.nar.realtor/the-facts/consumer-guide-home-inspections">inspections</a><span> </span>to strengthen their offer. But careful scrutiny by a licensed professional may uncover hidden – and pricey – issues. Structural or mechanical problems aren't always visible to the untrained eye, and you don't want to take any unnecessary risks.</p>
<h3><strong>Letting Emotions Drive the Decision</strong></h3>
<p>It's natural to fall in love with a home, but don't let emotion overshadow practicality. Stay rooted in your budget, your needs and your long-term goals. Taking a step back to evaluate the residence objectively can help ensure it supports your way of living both now and in the future.</p>
<h3><strong>Not Asking Enough Questions</strong></h3>
<p>There's no such thing as a silly question in real estate. Ask about the age of major systems, HOA fees, utility costs, resale potential and any other specifics you feel are relevant. The more clarity you gain now, the smoother your transition will be once you move in.</p>
<p>Buying your first home is a major milestone, but that doesn't mean it has to be a high-stress experience. With an awareness of the typical mistakes to avoid – and the guidance of a trusted real estate agent – you can get into a place you will treasure for years to come.</p>
<p></p>
<p>By Carma Stahnke</p>
<p>Original article <a href="https://blog.coldwellbanker.com/7-mistakes-to-avoid-when-buying-your-first-home/">here</a></p>
</div>]]>
        </description>
        <pubDate>
            <![CDATA[Thu, 15 Jan 2026 16:48:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2026/01/07/7-mistakes-to-avoid-when-buying-your-first-home]]>
        </guid>
                    <category>
                <![CDATA[Buying A Home]]>
            </category>
                                <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/company/AdobeStock_277501704.jpeg]]></overviewPhoto>    </item>
        <item>
        <title>
            <![CDATA[New Year, New Goals: Why Goal Bingo Is the Refresh We All Need]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2026/01/07/new-year-new-goals-why-goal-bingo-is-the-refresh-we-all-need]]>
        </link>
        <description>
            <![CDATA[<h2 data-start="268" data-end="333"><img src="http://mschroeder.cbboise.com/shared/fs/0759/company/Gemini_Generated_Image_bw6lenbw6lenbw6l.png" width="614" height="858" alt=""></h2>
<p data-start="335" data-end="472"><em>January naturally invites a reset. Fresh calendars. New intentions. A quiet motivation to do things a little more thoughtfully this year.</em></p>
<p data-start="474" data-end="632"><em>But instead of rigid resolutions that fade by February, many people are embracing a more flexible—and more enjoyable—approach to goal-setting: <strong data-start="617" data-end="631">goal bingo</strong>.</em></p>
<h4 data-start="634" data-end="658">What Is Goal Bingo?</h4>
<p data-start="659" data-end="939">Goal bingo is exactly what it sounds like. A bingo-style card filled with meaningful, achievable goals across different areas of your life. Instead of chasing one big resolution, you focus on steady progress—checking off squares as you go and celebrating small wins along the way.</p>
<p data-start="941" data-end="1008">There's no pass or fail. No all-or-nothing pressure. Just momentum.</p>
<h4 data-start="1010" data-end="1044">Why This Trend Is Catching On</h4>
<p data-start="1045" data-end="1138">Traditional resolutions tend to demand perfection. Goal bingo encourages consistency instead.</p>
<p data-start="1140" data-end="1369">By spreading goals across categories—home, finances, wellness, personal growth, relationships—you give yourself multiple ways to succeed. One completed square still counts. A full row is a win. A nearly finished card is progress.</p>
<p data-start="1371" data-end="1460">It's structured enough to create focus, yet flexible enough to adapt as the year unfolds.</p>
<h4 data-start="1462" data-end="1496">Bringing Goals Closer to Home</h4>
<p data-start="1497" data-end="1606">Many goal bingo cards naturally include home-related intentions, because home is where life actually happens.</p>
<p data-start="1608" data-end="1629">That might look like:</p>
<ul data-start="1630" data-end="1880">
<li data-start="1630" data-end="1689">
<p data-start="1632" data-end="1689">Completing a small home project you've been putting off</p>
</li>
<li data-start="1690" data-end="1747">
<p data-start="1692" data-end="1747">Creating a space that feels calmer or more functional</p>
</li>
<li data-start="1748" data-end="1778">
<p data-start="1750" data-end="1778">Hosting more intentionally</p>
</li>
<li data-start="1779" data-end="1826">
<p data-start="1781" data-end="1826">Reviewing long-term home or financial plans</p>
</li>
<li data-start="1827" data-end="1880">
<p data-start="1829" data-end="1880">Simply spending more time enjoying where you live</p>
</li>
</ul>
<p data-start="1882" data-end="2003">These goals don't require major change to be meaningful. Often, it's the smaller shifts that make the biggest difference.</p>
<h4 data-start="2005" data-end="2034">Progress Over Perfection</h4>
<p data-start="2035" data-end="2166">One of the most refreshing parts of goal bingo is its mindset. Success isn't defined by a single outcome—it's defined by alignment.</p>
<p data-start="2168" data-end="2323">You're allowed to adjust goals. Skip squares that no longer serve you. Add new ones as priorities evolve. The card works for you, not the other way around.</p>
<p data-start="2325" data-end="2478">That philosophy applies well beyond goal-setting. The best plans—especially when it comes to home—are the ones built with flexibility, clarity, and care.</p>
<h4 data-start="2480" data-end="2525">A Thoughtful Way to Shape the Year Ahead</h4>
<p data-start="2526" data-end="2668">Goal bingo turns intention into action without pressure. It encourages reflection, forward thinking, and steady progress—one square at a time.</p>
<p data-start="2670" data-end="2826">Whether your goals involve home, lifestyle, or long-term planning, the key is starting with clarity and giving yourself permission to move at your own pace.</p>
<p data-start="2670" data-end="2826"></p>
<p data-start="2670" data-end="2826">Here are some resources to make your own:</p>
<ul>
<li data-start="2670" data-end="2826">Canva has many templates</li>
<li data-start="2670" data-end="2826"><a href="https://parade.com/living/vision-board-bingo-cards-2025">Bingo card ideas</a></li>
<li data-start="2670" data-end="2826"><a href="https://marleydoodledigital.com/free-printable-goal-bingo-card/">Bingo card t</a>emplate</li>
</ul>
<p data-start="2670" data-end="2826"></p>]]>
        </description>
        <pubDate>
            <![CDATA[Mon, 12 Jan 2026 17:02:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2026/01/07/new-year-new-goals-why-goal-bingo-is-the-refresh-we-all-need]]>
        </guid>
                    <category>
                <![CDATA[Family Fun]]>
            </category>
                                <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/company/Gemini_Generated_Image_bw6lenbw6lenbw6l.png]]></overviewPhoto>    </item>
        <item>
        <title>
            <![CDATA[Free Yourself From Clutter With Today's Minimalist Design Trends]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2026/01/07/free-yourself-from-clutter-with-today-s-minimalist-design-trends]]>
        </link>
        <description>
            <![CDATA[<div class="entry-content text-black">
<p><em><img src="http://mschroeder.cbboise.com/shared/fs/0759/company/chairs-2181947_1920.jpg" width="700" height="467" alt=""></em></p>
<p><em>A cluttered home can make even the most familiar rooms feel smaller and less enjoyable – but today's minimalist design trends offer a way to simplify your space while keeping it welcoming. Create a home that feels lighter the moment you walk through the door by combining calming neutral hues, natural materials and light, multifunctional furniture and a few meaningful accents – all while boosting your home's resale value.</em></p>
<h3><strong>Start With a Softer Color Palette</strong></h3>
<p>A minimalist home doesn't have to feel stark. Soft whites, creamy beiges, warm grays, muted clays and<span> </span><a href="https://www.homesandgardens.com/interior-design/how-to-decorate-with-earthy-colors">earthy taupes</a><span> </span>create a soothing backdrop that reduces visual noise. This<span> </span><a href="https://www.thespruce.com/what-are-neutral-colors-8706096">calming palette</a><span> </span>brightens rooms, makes walls recede and creates a steady foundation where every space feels intentional and serene.</p>
<h3><strong>Use Natural Materials and Light to Open Space</strong></h3>
<p>Once your palette is in place,<span> </span><a href="https://www.homesandgardens.com/news/texture-in-interior-design">natural textures</a><span> </span>add depth without adding clutter. White oak, walnut, limestone, linen and wool bring softness to a room while keeping the overall look streamlined. A solid-wood dining table, a linen throw or a rug can make a space feel layered and inviting without relying on extra décor. Light also plays a major role in minimalism. Shades, glass interior doors and mirrors help natural light travel farther and visually expand the space. When light moves freely, clutter loses its dominance and rooms feel more open.</p>
<h3><strong>Maximize Storage With Multifunctional Furniture</strong></h3>
<p>Minimalist design works best when everyday items are thoughtfully placed out of sight.<span> </span><a href="https://www.yankodesign.com/2025/01/17/furniture-trends-to-watch-in-2025-sustainable-materials-biophilic-design-more/">Multifunctional furniture</a><span> </span>is one of the most practical ways to manage this. The minimalist design goal is to control what you see. You can incorporate lift-top coffee tables to hide remotes and chargers, bed frames with drawers to reduce closet overflow, entryway benches with concealed storage to keep clutter out of sight and floating vanities to keep counters clear. Even a single storage ottoman can conceal blankets, toys or seasonal décor. When clutter disappears, your home feels lighter.</p>
<h3><strong>Add Personality With Meaningful Accents</strong></h3>
<p>Minimalism means selecting your<span> </span><a href="https://blog.coldwellbanker.com/how-to-balance-retro-with-modern-design-in-your-home/">home's character</a><span> </span>carefully. Instead of displaying many small items, focus on one or two<span> </span><a href="https://www.thespruce.com/creating-and-defining-a-focal-point-452316">high-impact pieces</a><span> </span>that define the room. A framed print, sculptural lamp, textured area rug or handmade ceramic piece can anchor the space without overwhelming it. These accents add personality while preserving the airy energy that makes minimalist design so livable.</p>
<p>Minimalist design trends create spaces that feel open, grounded and genuinely livable. When your home is light and clutter-free, everyday life feels easier – and the look never goes out of style.</p>
<p></p>
<p>by Kimberly Quevedo</p>
<p>Original article <a href="https://blog.coldwellbanker.com/free-yourself-from-clutter-with-todays-minimalist-design-trends/">here</a></p>
</div>]]>
        </description>
        <pubDate>
            <![CDATA[Wed, 07 Jan 2026 16:44:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2026/01/07/free-yourself-from-clutter-with-today-s-minimalist-design-trends]]>
        </guid>
                    <category>
                <![CDATA[Home Improvement]]>
            </category>
                    <category>
                <![CDATA[Home Organization]]>
            </category>
                                <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/company/chairs-2181947_1920.jpg]]></overviewPhoto>    </item>
        <item>
        <title>
            <![CDATA[2026 Home Color Trends: Palettes for Every Room]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/12/03/2026-home-color-trends-palettes-for-every-room]]>
        </link>
        <description>
            <![CDATA[<p></p>
<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/company/AdobeStock_238382910.jpeg" width="750" height="500" alt=""></p>
<p>The 2026 home color trends are transforming how homeowners approach paint, shifting from sterile whites and cool grays to warm hues that feel personal and lived in. Designers call them "colors with soul" – palettes that introduce depth, comfort and character to everyday spaces. Soft greens bring balance, neutrals create connection and rich jewel tones add creativity and dimension. Whether you're refreshing a single room or reimagining your entire home, these curated palettes highlight the best of the 2026 home color trends and offer clarity for every corner.</p>
<h3><strong>Entryway: Terracotta and Mustard</strong></h3>
<p>Among the standout combinations within the 2026 home color trends, terracotta and mustard set the tone right from the front door. Terracotta walls offer earthy warmth while<span> </span><a href="https://www.behr.com/consumer/ColorDetailView/MQ4-13A">mustard</a><span> </span>on doors, paneling or wainscoting adds cheerful character. Layer in olive-green accents through plants or textiles for grounded contrast. This sun-washed palette transitions easily into surrounding spaces, creating a welcoming, cohesive feel throughout the home.</p>
<h3><strong>Living Room: Smoky Jade and Warm Neutrals</strong></h3>
<p>A hallmark of the 2026 home color trends is the return to nature-inspired greens – and<span> </span><a href="https://www.elledecor.com/design-decorate/color/a65540737/behr-color-of-the-year-2026/">smoky jade</a><span> </span>is leading the way. This blue-green shade shifts beautifully with natural light, creating a serene backdrop. Add depth with<span> </span><a href="https://www.housebeautiful.com/room-decorating/colors/a69042921/benjamin-moore-2026-color-of-the-year/">espresso or charcoal</a><span> </span>behind the sofa or media console and keep trim in a<a href="https://www.forbes.com/sites/rdaniel-foster/2025/09/24/sherwin-williams-names-universal-khaki-as-its-2026-color-of-the-year/"> tan with soft green undertones</a>. The overall palette delivers a refined, calming living room with timeless appeal.</p>
<h3><strong>Kitchen: Warm Eucalyptus and Sunny Accents</strong></h3>
<p>Green cabinetry continues to dominate, and<span> </span><a href="https://www.hgtv.com/decorating/color/color-of-the-year-valspar">warm eucalyptus</a><span> </span>is one of the year's most versatile choices. It adds personality without overwhelming the space. Keep kitchen walls in warm tan for balance, then introduce pale yellow inside built-ins, on a breakfast nook wall or through simple accents for brightness and lift. This combination feels both modern and enduring, giving the kitchen an inviting, personal touch.</p>
<h3><strong>Dining Room: Deep Plum and Gold</strong></h3>
<p>The 2026 home color trends showcase a renewed appetite for moody, jewel-toned rooms, making<span> </span><a href="https://www.elledecor.com/design-decorate/a66069486/graham-brown-color-of-the-year-2026/">deep plum</a><span> </span>a standout for dining spaces. Apply this dramatic shade to the walls to create intimacy. Add a<span> </span><a href="https://benjaminmoorefrance.com/en/colors/2077-20">saturated magenta or fuchsia</a><span> </span>on the ceiling, trim or built-ins for a bold twist, then finish with gold accents to elevate the space. It's a palette that enhances evening gatherings and adds an elegant glow to every meal.</p>
<h3><strong>Primary Bedroom: Dusty Rose and Grounded Green</strong></h3>
<p>A key color theme is softness paired with contrast. A<span> </span><a href="https://www.homesandgardens.com/interior-design/farrow-and-ball-sulking-room-pink">muted rose</a><span> </span>on bedroom walls brings a cocooned feel, while a deep, earthy green behind the headboard adds stability. Lighten the rose for a subtle ceiling wash to tie the room together and keep trim in<a href="https://www.bhg.com/off-white-paint-colors-11842633"> cream</a><span> </span>for airiness. This combination supports rest, comfort and calm – ideal for a sleep-focused sanctuary.</p>
<h3><strong>Bathroom: Jewel-Box Teal and Mahogany</strong></h3>
<p>For a luxurious paring, coat walls in<span> </span><a href="https://www.bhg.com/hgtv-home-by-sherwin-williams-color-of-the-year-2025-8686836">teal</a><span> </span>for a refreshing, spa-like foundation and then use<span> </span><a href="https://www.businesswire.com/news/home/20250826455014/en/GLIDDEN-Paint-Brand-Brings-Heritage-Home-With-2026-Color-of-the-Year-Warm-Mahogany">mahogany</a><span> </span>on the vanity for intimate, tailored contrast. Crisp white ceilings and brass fixtures keep the look polished and bright. The result is a restorative retreat with a modern feel.</p>
<h3><strong>Guest Bedroom: Milky Lavender and Periwinkle</strong></h3>
<p>Pastels with quiet depth are also rising and adding<span> </span><a href="https://www.homesandgardens.com/interior-design/best-lavender-paints">milky lavender</a><span> </span>walls in this space creates a soft, elegant foundation with a neutral undertone. Then, include periwinkle on the ceiling for subtle drama with a soothing lift. Keep textiles simple with muted gray-green accents for balance. The effect is a peaceful, welcoming space that encourages relaxation.</p>
<h3><strong>Home Office: Warm Black and Weathered Sage</strong></h3>
<p>For elevated work-from-home spaces, the 2026 home color trends lean into sophisticated contrasts. Warm black on most walls creates a focused, modern environment while<span> </span><a href="https://www.dunnedwards.com/colors/browser/de6270/">weathered sage</a><span> </span>behind the desk softens the backdrop and reduces eye strain. Keep ceilings white and lighting bright to balance the deeper tones. Together, the colors form a stylish workspace that supports productivity and clarity.</p>
<h3><strong>Color Makes a House Feel Like Home</strong></h3>
<p>The 2026 home color trends share one defining trait – each palette feels personal, warm and thoughtfully lived in. These hues bring comfort, depth and meaning to every room – and make your home feel grounded and welcoming the moment you step inside.</p>
<p></p>
<p>Original article<a href="https://blog.coldwellbanker.com/2026-home-color-trends-palettes-for-every-room/"> here</a>.</p>]]>
        </description>
        <pubDate>
            <![CDATA[Mon, 22 Dec 2025 10:02:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/12/03/2026-home-color-trends-palettes-for-every-room]]>
        </guid>
                    <category>
                <![CDATA[Home Improvement]]>
            </category>
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        <item>
        <title>
            <![CDATA[November Market Report]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/12/16/november-market-report-3]]>
        </link>
        <description>
            <![CDATA[<h3><span><span style="line-height: 9pt;"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/2025_Market_Report.png" width="356" height="255" alt="" style="display: block; margin-left: auto; margin-right: auto;"></span><em><span style="line-height: 9pt;"><br></span></em></span></h3>
<h6><span><em>From Our Friends At<a href="https://www.boirealtors.com/november-2025-market-report/"> Boise Regional REALTORS<sup>®</sup></a></em></span></h6>
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<h3><strong>ADA COUNTY</strong></h3>
<p><strong>MEDIAN SALES PRICE —</strong></p>
<ul>
<li>The slight increase in median sales price observed in November was driven by resale homes 21-50 years old. Areas where sales of homes 21-50 years old declined (Kuna and Meridian) saw the largest price increases for this home-type this month.</li>
<li>Kuna offers the most affordable new homes in Ada. For the past 6 months, new homes in Kuna have had the lowest median sales price, with Meridian ranking second.</li>
</ul>
<p><strong>HOMES SOLD —</strong></p>
<ul>
<li>In November, only 32 new homes were sold in Star. This is the lowest number of homes sold monthly in Star so far this year.</li>
<li>Kuna, Meridian, and Star all saw decreased new home sales in November while Boise and Eagle maintained similar volume to last month.</li>
<li>The decrease in resale home sales was driven by declines observed in Meridian and Kuna.</li>
</ul>
<p><strong>PENDING SALES —</strong></p>
<ul>
<li>Across all age bands, resale homes that are currently pending sale have already experienced a price cut from the original price associated with the listing on average, most significant for resale homes 1-10 years old.</li>
<li>36% of homes pending sale are located in Meridian, this is over 100 more homes than the next closest city (Boise).</li>
<li>Around 52% of homes currently pending sale are currently set to close by the end of 2025.</li>
</ul>
<p><strong>INVENTORY —</strong></p>
<ul>
<li>New homes account for 54% of inventory and average $788K, more than $100K higher than the average price of new homes sold in November. In most cases, these homes have already seen modest price cuts, averaging around $10K.</li>
<li>Madrone Heights, a subdivision in Kuna, currently has 50 homes in inventory all priced over $100K less than the median price a new home sold for in November.</li>
</ul>
<p><strong>DAYS ON MARKET —</strong></p>
<ul>
<li>Resale homes sold in Boise continue to have the lowest days on market in Ada but the average days on market for these homes has increased every month since June.</li>
<li>In November, the average days on market was higher for single family homes than any other month this year.</li>
<li>Middle-aged resale homes in Meridian saw the largest change in average days on market in November, increasing by 12 days on average from October.</li>
</ul>
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<div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey"><span style="color: #002169;"><strong>"November slowed down a bit, but it also showed us where buyers are still finding value. Older resale homes are playing a bigger role in pricing, while Kuna continues to stand out for more affordable new construction. With days on market stretching and price adjustments becoming more common, this is a market where good guidance really matters." <em>~Elizabeth Hume, Boise Regional REALTORS® 2025 President</em></strong></span></div>
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<h3><strong>CANYON COUNTY</strong></h3>
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<ul>
<li class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey">When looking at the age of the homes sold, the median sales price increased for newer resale homes (<1-5 years) by 24.6%. This group of homes had the highest median sales price by $100,000.</li>
<li class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey">The median sales price of single family homes in Caldwell increased by almost 7%, bringing the median price slightly higher than Nampa.</li>
</ul>
<p><strong>HOMES SOLD —</strong></p>
<ul>
<li>Sales decreased across the county by 25.1%, a bigger drop than was seen October to November in 2024.</li>
<li>Sales declined most sharply in Caldwell (31%) and Middleton (34%). Nampa experienced the smallest drop in sales volume, down just 11%.</li>
<li>New homes and those 6–10 years old saw the smallest sales declines, while homes 51+ years old experienced the largest decreases.</li>
</ul>
<p><strong>PENDING SALES —</strong></p>
<ul>
<li>Despite the drop in sales volume, the number of pending sales is similar to October.</li>
<li>The median price of pending sales is $452,490, slightly higher than the median price of homes sold in November.</li>
<li>Over half of the pending sales (62%) are for new homes and the average price of these homes is $566,450.</li>
<li>About half of the pending sales (49%) are in Nampa and nearly a third (32%) are in Caldwell.</li>
</ul>
<p><strong>INVENTORY —</strong></p>
<ul>
<li>In addition to a dip in sales volume, there was also a dip in inventory.</li>
<li>About 30% of homes on the market were added in November, the rest of the homes were on the market for an average of 108 days.</li>
<li>88 homes on the market (8%) have decreased their price by $50,000 or more. These homes have been on the market for an average of 174 days.</li>
</ul>
<p><strong>DAYS ON MARKET —</strong></p>
<ul>
<li>Average days on market rose nearly 8 days in November to 58 days, but followed an 7-day drop in October.</li>
<li>Newer resale homes (1–5 years old) and the oldest homes (81+) sold the fastest, averaging 29 and 27 days.</li>
<li>Nampa saw the largest month-over-month increase in days on market, rising from 47 to 62 days.</li>
<li>In Caldwell, average days on market remained steady from October to November despite higher median prices.</li>
</ul>
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<p><span style="color: #002169;"><strong>"Canyon County felt the seasonal slowdown in November, especially in sales volume, but prices held steady overall. Newer homes and new construction are still driving much of the activity, while some listings are adjusting after longer time on the market. It's a reminder that even in a slower month, well-priced homes still move."<em> ~Elizabeth Hume, Boise Regional REALTORS® 2025 President</em></strong></span></p>
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<p>To view the Treasure Valley homes currently for sale, <a href="https://www.cbboise.com/results/?autocomplete=off&aid=&oid=&aname=&aimg=&chome=&odoor=&agent_hasfeat=&viewtype=responsive&newsearch=1&newsearchresults=1&page=0&saved_search=0&sort_by=1&condition=or&keySession=&searchBoundaries=&status_types%5B%5D=sale&property_category%5B%5D=residential&property_type%5Bresidential%5D%5B%5D=single&property_type%5Bresidential%5D%5B%5D=townhouse&property_type%5Bresidential%5D%5B%5D=condo&property_type%5Bresidential%5D%5B%5D=mobile&property_type%5Bresidential%5D%5B%5D=prefab&pricemin=&pricemax=&bedmore=1&bedrooms=&bath_thre=1&bath_full=&sqfoot_low=&sqfoot_high=&acres=&acres_h=&yb_l=&yb_h=&taxmin=&taxmax=&garages=&garages_alt=1&stories=&fireplaces=&pool=&allowpets=&home_type=&reducedpricedays=&pastdays=0&foreclosure=&shortsale=&pagenum=1" target="_blank" rel="noopener">CLICK HERE</a></p>
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        </description>
        <pubDate>
            <![CDATA[Tue, 16 Dec 2025 17:33:00 EST]]>
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        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/12/16/november-market-report-3]]>
        </guid>
                    <category>
                <![CDATA[News]]>
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                                <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/075900465/2025_Market_Report.png]]></overviewPhoto>    </item>
        <item>
        <title>
            <![CDATA[Holiday Treats to Give Away or Keep]]>
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        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/12/03/holiday-treats-to-give-away-or-keep]]>
        </link>
        <description>
            <![CDATA[<p><span style="font-size: 12pt;"><strong></strong></span></p>
<p><span style="font-size: 12pt;"><strong><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/AdobeStock_676979506.jpeg" width="650" height="336" alt=""></strong></span></p>
<p><span style="font-size: 18pt;"><strong>Classic One-Bowl Chocolate Peppermint Bark Brownies</strong></span></p>
<ul>
<li>12 Tbsp. butter, unsalted</li>
<li>1 1/4 cups chocolate chips, divided</li>
<li>3/4 cup cocoa powder</li>
<li>1/2 tsp. salt</li>
<li>3/4 cup sugar</li>
<li>3/4 cup brown sugar, packed </li>
<li>3 large eggs</li>
<li>2 Tbsp. vegetable oil</li>
<li>1 tsp. peppermint extract</li>
<li>1/2 cup crushed candy canes</li>
<li>Optional: melted white chocolate for drizzling</li>
</ul>
<p>Preheat oven to 350°F Grease and line an 8×8 inch baking pan with parchment paper. Set aside. In a large microwavable safe bowl, combine the butter and 1/2 cup of the chocolate chips. Melt chocolate and butter in 30 second increments until fully melted, stirring in between intervals. Shouldn't take longer than 1 min 30 sec.</p>
<p>Add cocoa powder, salt and stir. Add in white and brown sugars. Stir. Whisk in eggs, one at a time.</p>
<p>Whisk in peppermint extract and oil. Fold in flour, chocolate chips and half crushed candy canes just until combined. Pour into prepared baking dish and bake for about 35-40 minutes or until a toothpick inserted into the center comes out mostly clean, it should still have a few moist crumbs on it. Careful not to over bake.</p>
<p>Press rest of crushed or broken candy canes into top of warm brownies, and drizzle with melted white chocolate if desired. Cool completely before cutting.</p>
<p></p>
<p><span style="font-size: 18pt;"><strong>Soft and Sticky Gingerbread (Cake)</strong> </span></p>
<p><em>If you have a gingerbread lover in your house, this cake is perfectly dense, filled with the warm spices and makes a wonderful Christmas dessert served with whipped cream. </em></p>
<ul>
<li>1/2 cup sugar</li>
<li>1/2 cup butter, softened</li>
<li>2 eggs</li>
<li>1 cup molasses</li>
<li>2 cups flour</li>
<li>1 cup boiling water</li>
<li>1/2 tsp. salt</li>
<li>1/2 tsp. cinnamon</li>
<li>1/4 tsp. cloves</li>
<li>1/4 tsp. nutmeg</li>
<li>1 tsp. giner</li>
<li>2 tsp. baking soda</li>
</ul>
<p></p>
<p>Heat oven to 350 degrees. Grease a 9 x 13 pan or line with parchment paper. Cream butter and sugar, add egg, then molasses. Sift dry ingredients and add to batter, mixing well. Add baking soda to boiling water and add to rest of mix. Blend together and pour into pan. Bake 30-35 minutes until it springs back. Serve warm with whipped cream or eggnog. </p>
<p></p>
<div class="wprm-recipe-instruction-text"><a href="https://cronesandwich.substack.com/p/a-comforting-recipe-for-a-comforting?utm_source=publication-search">Recipe</a> by Catherine Newman</div>]]>
        </description>
        <pubDate>
            <![CDATA[Thu, 11 Dec 2025 17:25:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/12/03/holiday-treats-to-give-away-or-keep]]>
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                    <category>
                <![CDATA[Uncategorized]]>
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        <item>
        <title>
            <![CDATA[Celebrating Sweet Generosity: Recapping Our 15th Annual Bake Sale Fundraiser]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/12/03/celebrating-sweet-generosity-recapping-our-15th-annual-bake-sale-fundraiser]]>
        </link>
        <description>
            <![CDATA[<h1 data-start="491" data-end="581"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/Charity_Group_Photo.jpg" width="700" height="651" alt=""></h1>
<p><em>Some of the recipients of our Bake Sale</em></p>
<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/bake_sale.jpg" width="703" height="293" alt=""></p>
<p><em>Our youngest bidder won a pass to Wahooz!</em></p>
<p><em></em></p>
<p data-start="583" data-end="1006">Every year, as the holidays approach our Coldwell Banker Tomlinson family gathers for a tradition that's as heartfelt as it is unforgettable. On <strong data-start="780" data-end="795">November 18</strong>, we hosted our <strong data-start="811" data-end="855">15th Annual Holiday Bake Sale Fundraiser</strong> - a lively, joyful, and deeply meaningful event that once again showed the remarkable generosity of our agents, affiliates, employees, and supporters.</p>
<p data-start="1008" data-end="1052">And the results? Nothing short of inspiring.</p>
<h3 data-start="1054" data-end="1091"><strong data-start="1058" data-end="1091">A Community That Shows Up Big</strong></h3>
<p data-start="1092" data-end="1323">What started years ago as a simple table of homemade treats has grown into a spirited live auction filled with everything from decadent baked goods to themed gift baskets, event tickets, VRBO stays, and one-of-a-kind experiences.</p>
<p data-start="1325" data-end="1515">In true CBT fashion, bidding gets competitive — and always fun. Your favorite pie might go for <strong data-start="1420" data-end="1428">$200</strong>, and no one bats an eye. That's the magic of this event: people show up ready to give.</p>
<p data-start="1517" data-end="1599">In just a little over <strong data-start="1539" data-end="1554">three hours</strong>, our community raised <strong data-start="1577" data-end="1598">more than $16,000</strong>.</p>
<h3 data-start="1601" data-end="1641"><strong data-start="1605" data-end="1641">A Lofty Goal With a Lot of Heart</strong></h3>
<p data-start="1642" data-end="1958">This year we set our sights high — aiming to support several community organizations dedicated to meeting essential needs. But we also committed to helping two of our own agents who have faced significant health challenges. "We pride ourselves in helping our own" isn't just something we say; it's something we live.</p>
<h3 data-start="1960" data-end="1997"><strong data-start="1964" data-end="1997">Who Your Generosity Supported</strong></h3>
<p data-start="1998" data-end="2127">Every dollar raised moves directly into the work of organizations making a tangible difference right here in the Treasure Valley:</p>
<p><strong data-start="2129" data-end="2158">Sleep in Heavenly Peace</strong><br data-start="2158" data-end="2161">Building bunk beds for children in low-income and struggling households — ensuring no child sleeps on the floor.</p>
<p><strong data-start="2275" data-end="2301">Bustin' Out of Boise</strong><br data-start="2301" data-end="2304">Providing practical, personal support to women navigating cancer: from rides to housekeeping to childcare and everything in between.</p>
<p><strong data-start="2438" data-end="2457">Wish Granters</strong><br data-start="2457" data-end="2460">Granting heartfelt wishes to adults facing terminal cancer — offering comfort, joy, and meaningful experiences in difficult moments.</p>
<p><strong data-start="2594" data-end="2612">Aging Strong</strong><br data-start="2612" data-end="2615">Supporting families as they care for loved ones with dementia, offering tools, resources, and encouragement.</p>
<p><strong data-start="2725" data-end="2754">Foothills Church Food Pantry</strong><br data-start="2754" data-end="2757">Providing weekly food support to individuals and families in need across our community.</p>
<p data-start="2846" data-end="2974">These organizations reflect the values we hold close: dignity, care, compassion, and showing up for people when it matters most.</p>
<h3 data-start="2976" data-end="3010"><strong data-start="2980" data-end="3010">Why This Tradition Matters</strong></h3>
<p data-start="3011" data-end="3321">Coldwell Banker Tomlinson is built on connection, trust, and service — values that guide everything we do. Our bake sale fundraiser is a testament to that spirit: a moment each year when we come together not just as colleagues, but as neighbors, advocates, and friends.</p>
<p data-start="3323" data-end="3510">It reminds us that generosity doesn't have to be grand to be powerful. Sometimes it looks like a homemade loaf of bread, a bidding paddle raised in the air, or a simple act of showing up.</p>
<h3 data-start="3512" data-end="3536"><strong data-start="3516" data-end="3536">Thank You</strong></h3>
<p data-start="3537" data-end="3708">To every baker, bidder, donor, organizer, and supporter — thank you. Your kindness fuels this tradition and makes a real, immediate difference for people who need it most.</p>
<p data-start="3710" data-end="3763">Here's to 15 years of giving… and to many more ahead.</p>]]>
        </description>
        <pubDate>
            <![CDATA[Wed, 03 Dec 2025 16:51:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/12/03/celebrating-sweet-generosity-recapping-our-15th-annual-bake-sale-fundraiser]]>
        </guid>
                    <category>
                <![CDATA[Uncategorized]]>
            </category>
                    <category>
                <![CDATA[Doers of Good]]>
            </category>
                                <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/075900465/Charity_Group_Photo.jpg]]></overviewPhoto>    </item>
        <item>
        <title>
            <![CDATA[Holiday Gift Ideas for Under $50]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/11/06/holiday-gift-idea-for-under-50]]>
        </link>
        <description>
            <![CDATA[<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/AdobeStock_630261969.jpeg" width="650" height="433" alt=""></p>
<p></p>
<p>'Tis the season for giving is coming up and, depending on your social calendar, 'tis also the season for spending. Finding the right gift for family, friends, coworkers or hosts – while staying in budget – can be challenging. The good news is that there are many ways you can show you care with a present that is both meaningful and affordable.</p>
<h3><strong>Cozy Home Accents</strong></h3>
<p>A touch of comfort may be your best choice, and nothing says the holidays like warmth and relaxation.<span> </span><a href="https://www.worldmarket.com/c/decor-and-pillows/pillows-and-throws/throws-and-blankets/?srsltid=AfmBOoojGYSrMmyqlZDcpQciKFu9vjpZtjiTS8hil7mkcdfjlt91Z6EB">World Market</a><span> </span>offers a wide selection of throw blankets, all under $50, along with matching pillows and cushions. You could also check out<span> </span><a href="https://www.yankeecandle.com/yankee-candle/candles/">Yankee Candle</a>. Their scents span the fragrance spectrum with favorites like Moonlit Woods, Tiki Bar and Honey Clementine. A pair of fuzzy slippers from<span> </span><a href="https://www.dsw.com/category/womens/shoes/slippers?cm_mmc=paid-_-GOOGLE-_-G_Brand_Slippers_Broad-_-Women%27s+House+Slippers-_-dsw+womens+house+slippers&gclsrc=aw.ds&gad_source=1&gad_campaignid=21695276850&gbraid=0AAAAADRIb9RGF1bqQ4srr6jAaNzOGcJ_e&gclid=Cj0KCQjwrc7GBhCfARIsAHGcW5Ufd5yNaWlWYtYkV8wcsZFuALNr62vWJKja4qAXTbT3IUyRmmtrKTUaAns_EALw_wcB">DSW</a><span> </span>or<span> </span><a href="https://www.landsend.com/search/S-xea?initialSearch=true&q=unisex%20slippers">Lands' End</a><span> </span>would be ideal for curling up on chilly nights.</p>
<h3><strong>Gourmet Treats</strong></h3>
<p>Edible goodies are not only delicious but easy to share as well, making them convenient for parties or last-minute get-togethers. Consider a<span> </span><a href="https://www.godiva.com/collections/chocolate-boxes?srsltid=AfmBOoqU4MNSzkrCbDVNHyU-1CoA4fW1d9NcbA7hPXnKplP-XvWFGNJd">Godiva chocolate gift box</a>, which you can purchase for as low as $20 at any number of stores. Coffee and tea lovers would enjoy a delivery-ready seasonal basket from Starbucks or Peet's Coffee. Stop by a local winery, see what's on display and pick up a bottle or two of the latest vintage. Another option? A<span> </span><a href="https://www.wisconsincheeseman.com/p/popcorn-trio-gift-tin-013394.html?source=google&code=organicshopping&medium=organic&link=013394&cm_mmc=google-_-organicshopping-_-surfacesongoogle-_-013394&cm_mmca1=AGQ&srsltid=AfmBOopS1UdyKh4SkHWZA-WTg9zCw9bQwjHskfwRaxam3VlSYQClnBROh9I">popcorn trio gift tin</a><span> </span>from The Wisconsin Cheeseman!</p>
<h3><strong>Personalized Finds</strong></h3>
<p>Customization can make an everyday item one of a kind – and memorable. Think monogrammed mugs, engraved keychains or wall calendars featuring family photos.<span> </span><a href="https://www.venuspuzzle.com/">Venus Puzzle</a><span> </span>sells a variety of personalized products, like photo puzzles and special-order paint-by-numbers sets. A name-embossed cutting board or pair of wine glasses would show you went the extra mile to choose something unique and heartfelt.</p>
<h3><strong>Games and Puzzles</strong></h3>
<p>Board and card games are inexpensive, timeless and a lot of fun! You could go for classics like Scrabble and Operation or try out newer challenges like Uno Flip or Stay Cool. They're perfect for those who like a little competition and are a good reason to unplug from screens and spend a bit of quality time together. You might want to bring a game for the adults and another for the kids if you're heading to a larger party with guests of all ages.</p>
<h3><strong>Creative Kits</strong></h3>
<p>Craft, cooking or DIY kits would be excellent for hands-on personalities.<span> </span><a href="https://www.uncommongoods.com/product/the-specialty-craft-cocktail-kit/541730000016?utm_keyword=google+surfaces&utm_source=google&utm_medium=cpc&utm_campaign=21654970540&gad_source=1&gad_campaignid=21654970540&gbraid=0AAAAAD_u0rVKpq5Gj61R-kw5IlVDsUgEn&gclid=Cj0KCQjwrc7GBhCfARIsAHGcW5Vb-jQO4Ds62RRrTqizPL1iMsRGnGgQWxLwRupJLdhmkuB7_Ijo5WsaAiv3EALw_wcB">Uncommon Goods</a><span> </span>boasts a wide range of beautifully packaged craft cocktail kits and products. Or how about an<span> </span><a href="https://trueleafmarket.com/products/barnwood-planter-organic-culinary-herb-garden-kit?variant=29390642937971&utm_source=google&utm_medium=cpc&utm_campaign=&utm_term=&utm_content=44988548639&gad_source=1&gad_campaignid=692227561&gbraid=0AAAAADPN2RMBRiUpYoIcyf4X3NDW_5Drk&gclid=Cj0KCQjwrc7GBhCfARIsAHGcW5UQqGZK8E-rRz9EOF0BNMRvsCr5OOhkm-S1IzKv3-zv5Mn5Jkbd-1gaAqWYEALw_wcB">herb garden kit</a><span> </span>from True Leaf Market, a<span> </span><a href="https://lonestarcandlesupply.com/candle-making-supplies/starter-kits/?srsltid=AfmBOop7nwX44bBwCh4tnL40rXffTWAWUpZFoPZCvy4YgPHAjWeck9D1">candle making starter kit</a><span> </span>from Lone Star Candle Supply or a beginner's embroidery set from<span> </span><a href="https://www.snugglymonkey.com/collections/hand-embroidery-kits?srsltid=AfmBOopOBGMXnY75mxwD7_jGd5mefpG_CLS4NOBCt_SdiWxsSWa1HFRo">Snuggly Monkey</a>? These interactive gifts double as both entertainment and a new hobby to explore.</p>
<h3><strong>Tech Accessories</strong></h3>
<p>Doesn't it seem like we're always in need of an upgrade? Tech accessories like wireless speakers and cordless ear buds are in constant demand and could be the most appreciated gift you could give. Other possibilities? Consider an<span> </span><a href="https://www.anker.com/collections/portable-chargers">Anker portable charger</a>, a magnetic phone mount for the car or colorful LED light strips. Even small accessories can make everyday life more convenient and enjoyable.</p>
<h3><strong>Luxurious Surprises</strong></h3>
<p>For those who always seem to be on the go, a spa-inspired present would be a great idea.<span> </span><a href="https://www.bathandbodyworks.com/c/gifts/gift-sets">Bath and Body Works</a><span> </span>offers all kinds of sweet-smelling products, like bath bomb sets, facial masks and essential oil diffusers. If you want to spend a little more, how about a manicure or massage at a local salon? These thoughtful indulgences are the very definition of rest and relaxation.</p>
<p>Holiday shopping doesn't need to be overwhelming – or expensive. With a little creativity, you can discover quality gifts under $50 that show how much you care. Whether it's cozy comforts, tasty treats or fun and games, these budget-friendly items will make your loved ones smile well into the new year!</p>
<p></p>
<p>Original article <a href="https://blog.coldwellbanker.com/holiday-gift-ideas-for-under-50/">here.</a></p>]]>
        </description>
        <pubDate>
            <![CDATA[Thu, 20 Nov 2025 13:17:00 EST]]>
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        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/11/06/holiday-gift-idea-for-under-50]]>
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                    <category>
                <![CDATA[Holidays]]>
            </category>
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        <item>
        <title>
            <![CDATA[October Market Report]]>
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        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/11/17/october-market-report-3]]>
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        <description>
            <![CDATA[<h3><span><span style="line-height: 9pt;"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/2025_Market_Report.png" width="356" height="255" alt="" style="display: block; margin-left: auto; margin-right: auto;"></span><em><span style="line-height: 9pt;"><br></span></em></span></h3>
<h6><span><em>From Our Friends At<a href="https://www.boirealtors.com/october-2025-market-report/"> Boise Regional REALTORS<sup>®</sup></a></em></span></h6>
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<h3><strong>ADA COUNTY</strong></h3>
<p><strong>MEDIAN SALES PRICE —</strong></p>
<ul>
<li>35% of homes sold in October were over 20 years old, an increase in overall proportion from September. On average, the sales price of these older homes is $120K lower than resale homes less than 20 years old.</li>
<li>The median sales price of a new home sold in Kuna in October was $454,990. These were the most affordable new homes sold in Ada in October, with a median price of >$100K less than those new homes sold outside of Kuna.</li>
</ul>
<p><strong>HOMES SOLD —</strong></p>
<ul>
<li>Sales in Ada County rebounded from dips observed in August and September, growing 8.3% in October.</li>
<li>This growth was due to significant sales increases in Meridian (+17%), Kuna (+23%), and Star (+18%).</li>
<li>While 36% of Ada's 2025 sales were in Boise, Meridian rose to meet Boise's sales volume in October. This is the f irst time since the beginning of 2025 that sales volumes in these two cities have been equivalent for the month.</li>
</ul>
<p><strong>PENDING SALES —</strong></p>
<ul>
<li>Over half of the homes pending sale in Ada County are new homes, the majority of which are currently under construction. Similar to new homes sold in October, 76% of new homes pending sale are located in either Meridian, Star, or Kuna.</li>
<li>In Meridian, there are currently 225 new homes pending sale, over half are currently under construction. These homes were pending after 14 days on market.</li>
</ul>
<p><strong>INVENTORY —</strong></p>
<ul>
<li>Less new homes were added to inventory in October when compared to September. The new homes that were added in October are mostly located in Star, Meridian, and Kuna which all saw strong new home sales in October.</li>
<li>Across all age bands, resale homes that have been in inventory longer than 80 days have on average experienced a $25K price cut. These homes are located throughout Ada County and not concentrated in one city.</li>
</ul>
<p><strong>DAYS ON MARKET —</strong></p>
<ul>
<li>Homes sold in Boise continue to have the lowest days on market across Ada County. In October, a home sold in Boise was on the market for an average of 35 days.</li>
<li>New homes sold in October that are currently under construction were on the market an average of 32 days. Two subdivisions in Star and one in Meridian sold over 10 homes under construction each in October. These homes were priced well below Ada's median sales price.</li>
</ul>
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<div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey"><span style="color: #002169;"><strong>"October really showed how dynamic Ada County can be. We saw buyers gravitate toward both older, more affordable homes and new construction in our fast-growing cities like Meridian, Kuna, and Star. With so much activity happening in different pockets of the county, having a REALTOR® who understands these micro-markets can make a large impact when navigating what's moving quickly and what isn't." <em>~Elizabeth Hume, Boise Regional REALTORS® 2025 President</em></strong></span></div>
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<h3><strong>CANYON COUNTY</strong></h3>
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<li class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey">The biggest change shift in median sales price for Canyon was seen in houses aged 6-10 years old (-10.5%)</li>
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<p><strong>HOMES SOLD —</strong></p>
<ul>
<li>39.7% of homes sold in Canyon County in October were new builds. The composition of homes sold by age remained similar from September to October.</li>
<li>45% of new homes sold were located in Nampa and 35% were located in Caldwell.</li>
<li>Only 15% of homes sold were purchased with cash while 22% were purchased with a FHA loan. Half of the homes were purchased with a conventional loan.</li>
</ul>
<p><strong>PENDING SALES —</strong></p>
<ul>
<li>The median price of pending sales is $444,000, a minimal change from September ($449,990).</li>
<li>61% of pending sales are new homes and the median price of those homes is $470,177.</li>
<li>15% (87) of pending homes had been on the market for more than 90 days. 45% of these 87 homes sold for $30,000 or more under their original list price.</li>
<li>25% of pending sales are not due to close until 2026.</li>
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<p><strong>INVENTORY —</strong></p>
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<li>30% of homes currently in inventory were added in October, the rest have been on the market an average of 101 days.</li>
<li>18% of homes on the market have reduced their original asking price by $30,000 or more.</li>
<li>The average days on market for these houses is 152 days with 1,011 days being the longest amount of time and 16 days being the shortest amount of time.</li>
</ul>
<p><strong>DAYS ON MARKET —</strong></p>
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<li>Average days on market in Middleton decreased by almost 20 days this month.</li>
<li>Average days on market decreased for resale homes older than 50 years, specifically for houses 81 years and older by the same amount they increased in September.</li>
<li>This indicates that there were potentially a few older homes that sold in September that had been on the market for a long time, impacting the overall average.</li>
</ul>
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<p><span style="color: #002169;"><strong>"Canyon County held steady in October, but different age groups of homes told very different stories: from quick-selling older homes to price-adjusted listings that sat longer. With new construction still driving a big share of activity, it's helpful to have a REALTOR® who can navigate those contrasts."<em> ~Elizabeth Hume, Boise Regional REALTORS® 2025 President</em></strong></span></p>
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<p>To view the Treasure Valley homes currently for sale, <a href="https://www.cbboise.com/results/?autocomplete=off&aid=&oid=&aname=&aimg=&chome=&odoor=&agent_hasfeat=&viewtype=responsive&newsearch=1&newsearchresults=1&page=0&saved_search=0&sort_by=1&condition=or&keySession=&searchBoundaries=&status_types%5B%5D=sale&property_category%5B%5D=residential&property_type%5Bresidential%5D%5B%5D=single&property_type%5Bresidential%5D%5B%5D=townhouse&property_type%5Bresidential%5D%5B%5D=condo&property_type%5Bresidential%5D%5B%5D=mobile&property_type%5Bresidential%5D%5B%5D=prefab&pricemin=&pricemax=&bedmore=1&bedrooms=&bath_thre=1&bath_full=&sqfoot_low=&sqfoot_high=&acres=&acres_h=&yb_l=&yb_h=&taxmin=&taxmax=&garages=&garages_alt=1&stories=&fireplaces=&pool=&allowpets=&home_type=&reducedpricedays=&pastdays=0&foreclosure=&shortsale=&pagenum=1" target="_blank" rel="noopener">CLICK HERE</a></p>
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        </description>
        <pubDate>
            <![CDATA[Mon, 17 Nov 2025 17:41:00 EST]]>
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        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/11/17/october-market-report-3]]>
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                    <category>
                <![CDATA[Uncategorized]]>
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        <item>
        <title>
            <![CDATA[Give Thanks, Give Back: Where to Donate Food This Thanksgiving in the Treasure Valley]]>
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        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/11/06/give-thanks-give-back-where-to-donate-food-this-thanksgiving-in-the-treasure-valley]]>
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        <description>
            <![CDATA[<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/AdobeStock_529642027.jpeg" width="650" height="434" alt=""></p>
<p>Now more than ever, families and individuals across the Treasure Valley are turning to local food banks for support. Rising costs have made it harder for many to put a full meal on the table — especially as Thanksgiving approaches.</p>
<p>This season, giving back can make all the difference. A few cans of soup, a box of pasta, or a simple donation can help a neighbor share in the warmth of a holiday meal.</p>
<p>Here are <strong>local food pantries and donation centers</strong> across the Boise, Meridian, and Nampa areas where your generosity can make an immediate impact.</p>
<p><strong> </strong></p>
<h3><strong>Treasure Valley Food Donation Locations </strong></h3>
<p><span style="font-size: 12pt;"><strong>Boise</strong></span></p>
<p><a href="https://www.vineyardboise.org/pantry"><strong>Vineyard Boise Food Pantry – Boise</strong></a><br>Hours: Tuesdays 1:00–3:00 p.m., Thursdays 5:00–7:00 p.m.<br>What They Need: Non-perishables, dry goods, canned soups, and toiletries.<br>How to Donate: Drop donations at the pantry during open hours or at the main church office during weekdays.</p>
<p><a href="https://corpuschristiboise.org"><strong>Corpus Christi House – Boise</strong></a><br>Hours: Monday–Saturday, 8:00 a.m.–3:00 p.m.<br>What They Need: Non-perishable food, ready-to-eat meals, and hygiene items.<br>How to Donate: Donations can be delivered on-site or arranged through their volunteer coordinator.</p>
<p><a href="https://www.boisecathedral.org/food-bank"><strong>Cathedral of St. John the Evangelist Food Bank – Boise</strong></a><br>Hours: Mondays, Tuesdays, and Wednesdays, 1:00 p.m.–3:00 p.m.<br>What They Need: Canned tuna, chicken, cereal, pasta sauce, soup, beans, fruits, vegetables, chili, and boxed mac & cheese.<br>How to Donate: Bring donations directly to the church during open hours.</p>
<p><a href="https://www.svdpid.org/foodpantries"><strong>St. Vincent de Paul Food Pantry – Boise</strong></a><br>Hours: Tuesdays and Fridays, 10:00 a.m.–12:00 p.m.<br>What They Need: Canned tuna, rice, peanut butter, and general pantry staples.<br>How to Donate: Deliver food items during open hours or contact the local pantry for current needs.</p>
<p><a href="https://boise.salvationarmy.org/boise2/cure-hunger/"><strong>The Salvation Army Boise Food Pantry</strong></a><br>Hours: Tuesday–Thursday, 1:00 p.m.–4:00 p.m.; Friday, 10:00 a.m.–1:00 p.m.<br>What They Need: Contact Family Services at (208) 433-4423 for the most-needed items.<br>How to Donate: Drop off food during open hours or arrange a larger donation by phone.</p>
<p><a href="https://boisehive.org/food-pantry"><strong>Boise Hive Food Pantry – Boise</strong></a><br>Hours: Daily, 12:00 p.m.–9:00 p.m.<br>What They Need: Non-perishable items and fresh produce.<br>How to Donate: Drop donations during open hours or sign up to volunteer.</p>
<p><a href="https://www.calvaryboise.com/foodpantry"><strong>Calvary Chapel Boise Food Pantry – Boise</strong></a><br>Hours: Monday–Thursday 10:00 a.m.–3:30 p.m.; Friday 10:00 a.m.–11:30 a.m.<br>What They Need: Cereal, canned vegetables, beans, tuna, rice, pasta, spaghetti sauce, peanut butter, boxed potatoes, and mac & cheese.<br>How to Donate: Drop off donations during business hours at the church's food pantry entrance.</p>
<p><strong></strong></p>
<p><span style="font-size: 12pt;"><strong>Meridian</strong></span></p>
<p><a href="https://meridianfoodbank.org/donate/"><strong>Meridian Food Bank</strong></a><br>Hours: Monday, Wednesday, and Thursday, 12:00 p.m.–4:00 p.m.<br>What They Need: Canned meats (tuna/chicken), peanut butter, beans, fruits, vegetables, pasta, sauce, cereal, rice, and soup.<br>How to Donate: Drop items during open hours or donate online to help purchase fresh food.</p>
<p><a href="https://idahofoodbank.org"><strong>The Idaho Foodbank – Meridian</strong></a> <br>Hours: Monday–Friday, 8:30 a.m.–4:30 p.m.<br>What They Need: Whole-grain pasta, canned fruits and vegetables, beans, rice, peanut butter, and boxed meals.<br>How to Donate: Drop off food during business hours or organize a community food drive. Details at <a href="https://idahofoodbank.org/get-involved/give-food-resources/food-donations/?utm_source=chatgpt.com">https://idahofoodbank.org/get-involved/give-food-resources/food-donations/</a></p>
<p><strong></strong></p>
<p><span style="font-size: 12pt;"><strong>Nampa</strong></span></p>
<p><a href="https://www.svdpid.org/donate-nampa-food-pantry"><strong>St. Vincent de Paul Nampa (Our Lady of Guadalupe)</strong></a><br>Hours: Tuesdays and Thursdays, 3:00 p.m.–5:00 p.m.<br>What They Need: Cereal, canned protein, pasta sauce, Hamburger Helper, and toilet paper.<br>How to Donate: Drop donations during open hours.</p>
<p><a href="https://carehp.org"><strong>Care House Food Bank – Nampa</strong></a><br>Hours: Tuesday, Thursday, and Saturday, 12:30 p.m.–4:00 p.m.<br>What They Need: General non-perishable items.<br>How to Donate: Deliver items during open hours or contact the organization for special drop-offs.</p>
<p><strong></strong></p>
<p><span style="font-size: 12pt;"><strong>Kuna</strong></span></p>
<p><a href="https://www.kunafoodbank.org/contact/"><strong>Kuna Food Bank</strong></a><br>Hours: Monday–Thursday, 9:00 a.m.–11:00 a.m.<br>What They Need: Non-perishables; perishable items like butter, eggs, produce, meat, and milk are accepted only during open hours.<br>How to Donate: Bring donations during open hours or drop non-perishables at yellow bins at local businesses.</p>
<p><strong></strong></p>
<p><span style="font-size: 12pt;"><strong>Star</strong></span></p>
<p><a href="https://staroutreachonline.com/"><strong>Star Food Bank (Star Outreach)</strong></a><br>Hours: Call (208) 779-0046 for drop-off times.<br>What They Need: Jam, jelly, salad dressing, cold cereal, canned fruit, pasta sauce, canned beans, and canned meats (tuna, chicken).<br>How to Donate: Call ahead to confirm donation times.</p>
<p><strong></strong></p>
<p><span style="font-size: 12pt;"><strong>Eagle</strong></span></p>
<p><a href="https://www.eaglefoodbank.com/"><strong>Eagle Food Bank</strong></a><br>Hours: Call for specific drop-off times.<br>What They Need: General non-perishable items.<br>How to Donate: Contact the food bank directly to arrange a delivery.</p>
<p><a href="https://www.hopelutheraneagle.org/"><strong>Hope Lutheran Food Bank – Eagle</strong></a><br>Hours: Monday–Wednesday, 10:00 a.m.–1:00 p.m.<br>What They Need: General non-perishable items.<br>How to Donate: Drop off items during open hours.</p>
<p><strong></strong></p>
<h3><strong>Specialized Food Donation Locations</strong></h3>
<p><a href="https://www.boisestate.edu/deanofstudents/campus-food-pantry/"><strong>Boise State University (BSU) Campus Food Pantry</strong></a><br>Hours: Monday–Friday, 8:00 a.m.–5:00 p.m.<br>Who They Serve: Current BSU students.<br>What They Need: Canned meats, beans, alternative milks, nut-free spreads, gluten-free pasta, and full-size personal care items.<br>How to Donate: Drop off donations at Campus School, Room 103.</p>
<p><strong>Caldwell Senior Center</strong><br>Address: 1009 Everett St, Caldwell, ID 83605<br>Phone: (208) 459-0132<br>What They Do: Offers daily community lunches for seniors (age 60+).<br>How to Donate: Call for donation hours or meal sponsorship opportunities.</p>
<p><strong>Meals on Wheels (Caldwell & Nampa)</strong><br>Caldwell URL: https://www.caldwellseniorcenter.org/meals-on-wheels/<br>Nampa URL: https://www.saintalphonsus.org/location/nampa-meals-on-wheels/<br>What They Do: Delivers meals to homebound seniors.<br>How to Donate: Call your local Meals on Wheels office to ask about in-kind donations or volunteer needs.</p>
<p><a href="https://www.eladacap.org/"><strong>El-Ada Community Action Partnership</strong></a><br>Boise Location: 2250 S Vista Ave, Boise, ID 83705<br>Garden City Location: 701 E 44th St, Garden City, ID 83714<br>Phone: (208) 345-2820<br>What They Do: Provides food boxes and resources to low-income residents.<br>How to Donate: Drop off donations during business hours or coordinate larger drives through their staff.</p>
<p> </p>
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        </description>
        <pubDate>
            <![CDATA[Wed, 12 Nov 2025 13:56:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/11/06/give-thanks-give-back-where-to-donate-food-this-thanksgiving-in-the-treasure-valley]]>
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                    <category>
                <![CDATA[Holidays]]>
            </category>
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        <item>
        <title>
            <![CDATA[Kitchen and Bath Remodels: Trending Functional, Stylish and Timeless]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/11/06/kitchen-and-bath-remodels-trending-functional-stylish-and-timeless]]>
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        <description>
            <![CDATA[<div class="entry-content text-black">
<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/AdobeStock_591311507.jpeg" width="650" height="434" alt=""></p>
<p>When updating your home, kitchen and bath remodels are always the first projects that are top of mind. Looking forward to 2026, renovations will pull from 2025 design trends while moving towards beautiful, practical and stylish for years to come. From calming color palettes to smart storage and thoughtful details, these aesthetic movements show how functionality and design can go hand in hand.</p>
<h3><strong>2025 Kitchen and Bath Remodel Trends: Warm and Functional</strong></h3>
<p>Kitchen and bathroom remodels leaned into warmth and natural tones, where<span> </span><a href="https://www.homesandgardens.com/news/kitchen-trends-202526">oak and walnut cabinetry</a><span> </span>replaced stark whites and earthy shades (like terracotta and clay) added character. Additionally, matte and textured finishes made surfaces more durable and visually interesting.</p>
<p>For kitchens, taller backsplashes, upgraded appliances and low-maintenance countertops were installed. And clever<span> </span><a href="https://www.bhg.com/kitchen/storage/organization/kitchen-storage-solutions/">storage solutions</a><span> </span>and improved lighting made spaces feel inviting and practical. On the other hand, bathrooms embraced a spa-like vibe with<span> </span><a href="https://www.bhg.com/best-bathroom-vanities-7483914">floating vanities,</a><span> </span>walk-in showers and luxurious touches like heated floors,<span> </span><a href="https://www.hgtv.com/shopping/product-reviews/best-towel-warmers">towel warmers</a><span> </span>and backlit mirrors. With comfort and everyday use in mind, these updates set the stage for 2026 kitchen and bath remodel trends.</p>
<h3><strong>Looking Forward to 2026: Practical and Timeless</strong></h3>
<p>Building on the warmth and functionality of 2025, kitchen and bathroom remodels in 2026 will prioritize thoughtful design features and enduring finishes. Kitchens will continue to transform into multifunctional hubs, including coffee stations, pet zones or flexible work nooks. And they will be adorned with warm wood cabinetry,<span> </span><a href="https://www.realsimple.com/the-backsplash-trend-taking-over-kitchens-in-2026-11820097">slab-style backsplashes</a><span> </span>and<span> </span><a href="https://www.homesandgardens.com/kitchens/kitchen-countertop-trends-2026">quartz and quartzite countertops</a><span> </span>in subtle patterns to establish the fresh, ageless look.</p>
<p>Adding a functional, stylish touch, upgrades are trending for soft-close drawers,<span> </span><a href="https://www.bhg.com/kitchen/sink/best-touchless-kitchen-faucets/">hands-free faucets</a><span> </span>and durable, water-efficient appliances. On the flip side, bathrooms will follow a similar philosophy, focusing on wellness and usability. Improvements of steam showers, ventilation and integrated lighting will simplify daily routines, while curved cabinetry and<span> </span><a href="https://www.bhg.com/vintage-bathroom-ideas-11699470">vintage-inspired touches</a><span> </span>like fabric sink skirts add personality.</p>
<p>When thinking about kitchen and bathroom remodels in 2026, you'll want to focus on<span> </span><a href="https://blog.coldwellbanker.com/top-5-home-renovations-with-the-best-return-on-investment/">thoughtful elements</a><span> </span>that improve everyday life and capture the feel-fresh-today aura while also boosting the long-term value of the home.</p>
<p></p>
<p>Original article <a href="https://blog.coldwellbanker.com/kitchen-and-bath-remodels-trending-functional-stylish-and-timeless/">here.</a></p>
</div>]]>
        </description>
        <pubDate>
            <![CDATA[Thu, 06 Nov 2025 13:30:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/11/06/kitchen-and-bath-remodels-trending-functional-stylish-and-timeless]]>
        </guid>
                    <category>
                <![CDATA[Home Improvement]]>
            </category>
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        <item>
        <title>
            <![CDATA[Making an Offer and Closing the Deal]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/11/03/making-an-offer-and-closing-the-deal]]>
        </link>
        <description>
            <![CDATA[<p></p>
<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogHeader-1120x630_2025.png" width="549" height="309" alt="" style="display: block; margin-left: auto; margin-right: auto;"></p>
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<p>Let's say you've done <em>everything</em><span> </span>right when navigating through the home-buying process - you scrimped and saved, improved your credit score to get the best mortgage rate, and secured pre-approval for your loan. Then, armed with research and data, you identified a great house in your favorite neighborhood.</p>
<p>Now, you're ready to buy. You only have a few hurdles remaining: making a smart offer, negotiating the terms of your contract, addressing contingencies, and walking away with the keys in your hand after closing the deal.</p>
<p>Now that you're so close, it's more important than ever to minimize mistakes and ensure a happy landing for your home purchase.</p>
<p><strong><em>Buying a home comes with a lot of moving parts — but with a REALTOR® from Coldwell Banker Tomlinson, you don't have to navigate them alone. Our agents guide you every step of the way, from offer to closing.</em></strong></p>
<p><strong>Submitting an Offer</strong></p>
<p>There's a lot more than just price to consider when making an offer on a home. This is a legal transaction, so every detail must be spelled out explicitly to avoid misunderstandings or complications down the road. Your offer is essentially a contract and should be clear, complete, and error-free.</p>
<p>When submitting an offer, make sure it includes:</p>
<ul>
<li>The Offer Price - The amount you're willing to pay for the home. Base this on comparable sales (known as "comps") in the area, the home's condition, and the current market climate.</li>
</ul>
<ul>
<li>Closing Date - The proposed date when the sale will be finalized. This can vary but is typically 30 to 60 days from when the offer is accepted.</li>
</ul>
<ul>
<li>Financial Terms - How you plan to pay for the home, whether it's through financing, an all-cash offer, or a combination. If you're pre-approved for a mortgage, include that information to strengthen your offer.</li>
</ul>
<ul>
<li>A Description or Address of the Property - Clearly identifying the property being sold, including its legal description.</li>
</ul>
<ul>
<li>Earnest Money Deposit - This shows you're serious about purchasing the home. Typically, 1-3% of the purchase price is held in escrow and applied to your down payment or closing costs if the deal goes through. Make sure the terms of this deposit are clearly stated - especially how it will be returned if the offer is declined.</li>
</ul>
<ul>
<li>Contingencies - Conditions that must be met for the sale to proceed, such as passing a home inspection, securing financing, or the sale of your current home.</li>
</ul>
<ul>
<li>Seller Concessions - If you're asking the seller to cover certain costs, such as closing fees or repairs, be sure to include this in your offer.</li>
</ul>
<ul>
<li>Terms for Pro-Rated Bills and Fees - Outline how utilities, property taxes, and homeowner association (HOA) fees will be handled up to the closing date.</li>
</ul>
<p>Submitting a well-organized, comprehensive offer shows the seller you're serious and prepared, making it more likely they'll respond favorably.</p>
<p><strong>Contingencies: Protecting Your Interests</strong></p>
<p>Contingencies are essential in any home purchase offer because they protect you from unexpected surprises or issues that could arise before closing. Common contingencies include:</p>
<ul>
<li>Home Inspection - This allows you to have a professional inspection of the property before the sale is finalized. If the inspection reveals significant issues, you can request repairs, negotiate a lower price, or even back out of the deal without penalty.</li>
</ul>
<ul>
<li>Financing Contingency - This ensures you can secure the necessary financing to purchase the home. If you're unable to get the loan, you're not obligated to complete the purchase.</li>
</ul>
<ul>
<li>Appraisal Contingency - This protects you if the home is appraised for less than the offer price. It allows you to renegotiate the price or walk away if you're unable to secure financing for the full amount.</li>
</ul>
<ul>
<li>Sale of Current Home - If you need to sell your existing home before buying a new one, this contingency protects you from being locked into two mortgages.</li>
</ul>
<p>While contingencies are there to protect you, be careful not to include too many, as this could make your offer less attractive to the seller—especially in a competitive market.</p>
<p><strong>Negotiating the Deal</strong></p>
<p>You might be thinking, "I've made my offer; now I just wait." But in reality, this is often just the beginning of the negotiation process. Almost every aspect of a real estate transaction can be negotiated, and this is your chance to work out terms that work best for you.</p>
<p>The price is usually the main point of negotiation, but it's not the only one. If the seller is motivated, especially if you're offering cash or have a pre-approval letter, you might be in a stronger position to negotiate a lower price. Pay attention to factors like:</p>
<ul>
<li>Local Housing Market - Is it a buyer's or seller's market? In a slower market, sellers may be more open to negotiation.</li>
</ul>
<ul>
<li>Time on Market - A home that's been listed for a while might indicate a seller who's more willing to accept a lower offer.</li>
</ul>
<ul>
<li>Recent Comparable Sales - Use recent sales data of similar homes to back up your offer.</li>
</ul>
<p>In addition to the price, you may also be able to negotiate other elements too. For example, if the inspection reveals issues, you can request that the seller make repairs or lower the sale price to cover the cost of fixing them yourself. Inclusions are also commonly negotiated - things like the washer and dryer, window treatments, or dining room chandelier.</p>
<p><strong>Handling Closing Costs: Who Pays What?</strong></p>
<p>Closing costs can be one of the most surprising expenses for homebuyers, often totaling 2-5% of the purchase price. These costs cover everything from loan origination fees to title insurance. While it's typical for buyers to cover most closing costs, there's always room for negotiation.</p>
<ul>
<li>Ask the Seller - In some cases, you can negotiate for the seller to cover a portion (or even all) of your closing costs. This tactic can be especially effective in a buyer's market or if the seller is eager to close quickly. Sometimes, it's easier to get a seller to pick up closing costs than to make an equivalent drop in the listing price.</li>
</ul>
<ul>
<li>Roll Closing Costs into Your Mortgage - Some lenders allow you to roll your closing costs into your mortgage. While this increases your monthly payment slightly, it can be helpful if you're short on cash.</li>
</ul>
<p><strong>Crossing the Finish Line</strong></p>
<p>The final step in the home-buying process is the closing the deal. This is where all your hard work pays off—literally. During closing, you'll sign a stack of documents to finalize your mortgage and the property transfer. Here's what to expect:</p>
<ul>
<li>The Final Walkthrough - Before closing, you'll have the opportunity to do a final walkthrough of the home to ensure it's in the condition agreed upon. Check that any requested repairs have been completed and that the property is ready for you to move in.</li>
</ul>
<ul>
<li>The Settlement Statement - This document outlines all the fees, credits, and payments required for closing. Review it carefully to ensure everything matches your expectations and the agreed-upon terms.</li>
</ul>
<ul>
<li>Signing the Paperwork - Be prepared to sign a lot of documents, from your mortgage agreement to the title transfer. Once everything is signed, you'll officially be a homeowner.</li>
</ul>
<p>The process of buying a home can be long and occasionally arduous, but the payoff is worth it. Few moments are as exciting as stepping through the door of a home you own for the very first time. By understanding each step, negotiating smartly, and being thorough in your approach, you've ensured you can enjoy the comfort, security, and pride of homeownership.</p>
<p></p>
<p></p>
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<section class="o-more-resources o-more-resources--related-posts">
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</div>
<p><a href="https://www.iccu.com/coldwell-banker-tomlinson-mortgage-loan-officers"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogFooter-1120x450_2025.png" width="744" height="268" alt="" style="display: block; margin-left: auto; margin-right: auto;"></a></p>
<p> </p>]]>
        </description>
        <pubDate>
            <![CDATA[Mon, 03 Nov 2025 16:03:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/11/03/making-an-offer-and-closing-the-deal]]>
        </guid>
                    <category>
                <![CDATA[Buying A Home]]>
            </category>
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        <item>
        <title>
            <![CDATA[Embracing the Slow Season: Finding Comfort and Balance at Home This Fall]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/10/07/embracing-the-slow-season-finding-comfort-and-balance-at-home-this-fall]]>
        </link>
        <description>
            <![CDATA[<p data-start="351" data-end="611"><span style="color: #003366;"><em><img src="http://mschroeder.cbboise.com/shared/fs/0759/company/alice-simkin-2fmh7i7ApvY-unsplash.jpg" alt="" width="611" height="407"></em></span></p>
<p data-start="351" data-end="611"><span style="color: #003366;"><em>As the days grow shorter and the air turns crisp, fall has a quiet way of inviting us to slow down. It's a season that encourages stillness — a chance to step back from busy routines and rediscover comfort in the simple moments that make home feel like home.</em></span></p>
<p data-start="613" data-end="793"><span style="color: #003366;"><em>After the rush of summer, this is your reminder to pause, breathe, and settle in. Here are a few ways to embrace the slow season and create a sense of balance and warmth at home.</em></span></p>
<hr data-start="795" data-end="798">
<h4 data-start="800" data-end="847"><strong data-start="805" data-end="845">Create spaces that encourage calm</strong></h4>
<p data-start="848" data-end="1155">Think soft light, warm textures, and layered comfort. Swap bright summer accents for cozy throws, textured pillows, and a neutral palette inspired by the season — misty blues, soft grays, and warm earth tones. Add a reading chair by the window or a candle-lit corner that feels like your personal retreat.</p>
<hr data-start="1157" data-end="1160">
<h4 data-start="1162" data-end="1204"><strong data-start="1167" data-end="1202">Reconnect with daily rituals</strong></h4>
<p data-start="1205" data-end="1477">Fall is the perfect time to bring intention back into your day. Start your mornings with something that grounds you — a walk in the cool air, coffee on the porch, or a few minutes of journaling. Even small rituals have a big impact when they help you reset and recharge.</p>
<hr data-start="1479" data-end="1482">
<h4 data-start="1484" data-end="1530"><strong data-start="1489" data-end="1528">Let scent and sound set the mood</strong></h4>
<p data-start="1531" data-end="1769">Fragrance has a powerful way of shifting energy. Think cedarwood, vanilla, or spiced orange for cozy, nostalgic notes. Pair that with a curated playlist — jazz, acoustic, or ambient — to set a calm, comforting tone throughout your home.</p>
<hr data-start="1771" data-end="1774">
<h4 data-start="1776" data-end="1816"><strong data-start="1781" data-end="1814">Simplify your surroundings</strong></h4>
<p data-start="1817" data-end="2020">The slow season is also a time to declutter and edit. Clear off countertops, refresh your entryway, and let your favorite pieces shine. A simplified space feels lighter and helps your mind do the same.</p>
<hr data-start="2022" data-end="2025">
<h4 data-start="2027" data-end="2077"><strong data-start="2032" data-end="2075">Weekend rituals to reset and restore</strong></h4>
<p data-start="2078" data-end="2399">Your weekends are the perfect time to slow down, center yourself, and prepare for the week ahead. Try setting aside a few hours for something that truly fills your cup — whether that's a slow morning walk with coffee in hand, a visit to a local farmers market, or a quiet afternoon spent cooking something from scratch.</p>
<p data-start="2401" data-end="2657">Even simple rituals — like refreshing your bedding, lighting a new candle, or planning meals for the week — can help you feel grounded and ready for what's next. Fall weekends are about finding joy in the little things that make life feel balanced again.</p>]]>
        </description>
        <pubDate>
            <![CDATA[Tue, 21 Oct 2025 10:00:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/10/07/embracing-the-slow-season-finding-comfort-and-balance-at-home-this-fall]]>
        </guid>
                    <category>
                <![CDATA[Home Organization]]>
            </category>
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        <item>
        <title>
            <![CDATA[September Market Report]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/10/20/september-market-report-3]]>
        </link>
        <description>
            <![CDATA[<h3><span><span style="line-height: 9pt;"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/2025_Market_Report.png" width="356" height="255" alt="" style="display: block; margin-left: auto; margin-right: auto;"></span><em><span style="line-height: 9pt;"><br></span></em></span></h3>
<h6><span><em>From Our Friends At<a href="https://www.boirealtors.com/september-2025-market-report/"> Boise Regional REALTORS<sup>®</sup></a></em></span></h6>
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<h3><strong>ADA COUNTY</strong></h3>
<p><strong>MEDIAN SALES PRICE —</strong></p>
<ul>
<li>Resale homes aged 31-50 saw the largest price drop between August and September, 13% lower on average.</li>
<li>Prices across different cities in Ada County remained at levels similar to those observed in August.</li>
<li>Younger resale homes comprised a smaller proportion of overall sales in September when compared to August. These homes tend to be priced higher than other resales and a slight decline here could explain the shrink in MSP.</li>
</ul>
<p><strong>HOMES SOLD —</strong></p>
<ul>
<li>The number of resale homes aged 10 years or younger sold decreased by 19% from August to September, this was the main reason overall sales volume declined in Ada County in September.</li>
<li>Across Ada, Meridian saw the largest decline in younger resale home sales which declined 27% in September.</li>
<li>For younger resales, the days on market increased by 6 days and sold for under the original list price on average.</li>
</ul>
<p><strong>PENDING SALES —</strong></p>
<ul>
<li>57% of homes currently pending sale are set to close within the following month, this is 5% more than homes that were pending sale last month.</li>
<li>Homes pending sale that are set to close this month are currently priced below the original price associated with the listing. This may indicate that buyers may have some price negotiating power currently in Ada County.</li>
</ul>
<p><strong>INVENTORY —</strong></p>
<ul>
<li>Over half of the homes that have remained in inventory are new homes, mostly located in Meridian. These homes show evidence of price cuts since the original listing and may continue to decline in price if they are left in inventory longer.</li>
<li>38% of homes currently in inventory were added in the past month. Nearly 40% of the homes added are older resales located in Meridian and Boise.</li>
</ul>
<p><strong>DAYS ON MARKET —</strong></p>
<ul>
<li>Homes sold in Boise had the lowest days on market in Ada County, 24 days on average. In Boise, the overall low DOM is driven by older resale homes which consistently sell after being on the market for around 25 days.</li>
<li>A resale home 10 years or younger sold in Meridian during August was on the market around 30 days on average. These same homes sold in September were on the market an average of 48 days.</li>
</ul>
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</div>
<div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey"><span style="color: #002169;"><strong>"Sales of newer resale homes dipped this month, particularly in Meridian, while Boise continues to move quickly. Older resale homes and new listings are still in demand, and with many pending sales priced below their original listing, buyers are finding opportunities—but inventory is tight in popular areas." <em>~Elizabeth Hume, Boise Regional REALTORS® 2025 President</em></strong></span></div>
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<h3><strong>CANYON COUNTY</strong></h3>
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<ul>
<li class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey">Median prices across cities generally decreased from August, though only mildly. ▪ Star had the highest median price again this month though this is out of only 6 houses sold within Canyon County lines.</li>
<li class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey">The median price of homes aged 6-10 years increased by 13% this month and homes aged 1-5 years increased by 4%, the median price for all other ages decreased.</li>
</ul>
<p><strong>HOMES SOLD —</strong></p>
<ul>
<li>Half of homes sold in September were located in Nampa, 33% were located in Caldwell. This is the same proportion as August.</li>
<li>18% of homes this month were purchased with cash while 24% were purchased with an FHA loan.</li>
<li>About half (53%) of FHA loans were used on houses in Nampa and 35% were used on houses in Caldwell.</li>
</ul>
<p><strong>PENDING SALES —</strong></p>
<ul>
<li>89 of the homes with sales pending had been on the market for more than 90 days. Of these 89 homes, 73% sold for $20,000+ under their original listing price.</li>
<li>55% of the pending sales are new build homes.</li>
<li>50.2% are in Nampa and 30.5% are in Caldwell this is similar to the proportion of homes sold in September.</li>
<li>18% of pending sales are not due to close until 2026.</li>
</ul>
<p><strong>INVENTORY —</strong></p>
<ul>
<li>29% of the homes currently in inventory were added in September, the rest have been on the market an average of 99 days.</li>
<li>The median sales price of inventory added in September ($471,500) is slightly lower than the median sales price of homes added before September ($495,000).</li>
<li>Nearly half of homes in inventory (52%) are new builds.</li>
<li>48% of the homes are in Nampa and 31% are in Caldwell.</li>
</ul>
<p><strong>DAYS ON MARKET —</strong></p>
<ul>
<li>Average days on market in Caldwell increased by 10 days this month and 11 days in Nampa. Caldwell's increase in September comes after a 14 day increase in August.</li>
<li>Average days on market increased for resale homes older than 50 years, specifically for houses 81 years and older (35 days).</li>
<li>Average days on market for homes 11-30 years old also saw an increase this month.</li>
</ul>
<hr>
<p><span style="color: #002169;"><strong>"Home prices remained mostly steady, though younger homes saw slight increases. Nampa and Caldwell continue to drive sales, and older resale homes are taking just a little longer to sell. Inventory is balanced, and with half of pending sales being new builds, the market is offering options for a wide range of buyers."<em> ~Elizabeth Hume, Boise Regional REALTORS® 2025 President</em></strong></span></p>
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<p>To view the Treasure Valley homes currently for sale, <a href="https://www.cbboise.com/results/?autocomplete=off&aid=&oid=&aname=&aimg=&chome=&odoor=&agent_hasfeat=&viewtype=responsive&newsearch=1&newsearchresults=1&page=0&saved_search=0&sort_by=1&condition=or&keySession=&searchBoundaries=&status_types%5B%5D=sale&property_category%5B%5D=residential&property_type%5Bresidential%5D%5B%5D=single&property_type%5Bresidential%5D%5B%5D=townhouse&property_type%5Bresidential%5D%5B%5D=condo&property_type%5Bresidential%5D%5B%5D=mobile&property_type%5Bresidential%5D%5B%5D=prefab&pricemin=&pricemax=&bedmore=1&bedrooms=&bath_thre=1&bath_full=&sqfoot_low=&sqfoot_high=&acres=&acres_h=&yb_l=&yb_h=&taxmin=&taxmax=&garages=&garages_alt=1&stories=&fireplaces=&pool=&allowpets=&home_type=&reducedpricedays=&pastdays=0&foreclosure=&shortsale=&pagenum=1" target="_blank" rel="noopener">CLICK HERE</a></p>
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        </description>
        <pubDate>
            <![CDATA[Mon, 20 Oct 2025 11:06:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/10/20/september-market-report-3]]>
        </guid>
                    <category>
                <![CDATA[Uncategorized]]>
            </category>
                                <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/075900465/2025_Market_Report.png]]></overviewPhoto>    </item>
        <item>
        <title>
            <![CDATA[Fun Ideas for Your Next Game Night]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/10/07/fun-ideas-for-your-next-game-night]]>
        </link>
        <description>
            <![CDATA[<p></p>
<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/company/sidral-mundet-nzSd8jiIbGc-unsplash.jpg" alt="" width="726" height="484"></p>
<p><span style="color: #003366;"><em>Looking to put a new spin on your upcoming game night? Start by thinking outside the box! Whether you're hosting a casual get-together, a birthday celebration or a holiday party, there are plenty of unique ways to keep the energy pumping and the laughter flowing.</em></span></p>
<h3><strong>Themed Game Night</strong></h3>
<p>Themed parties have long been a trusted standby, but that doesn't mean they have to be unoriginal. Just consider what your guests have in common and go from there. You could throw an 80s bash or build your party around superheroes or a favorite TV show. Dress up, prepare snacks and choose activities that fit the mood. You'll be surprised how enjoyable old pastimes are when tied to a creative concept.</p>
<h3><strong>Minute-to-Win-It Challenges</strong></h3>
<p>If you're goal is high-speed entertainment, short and silly tasks are perfect – and if one doesn't work, simply move on to the next. You could try stacking cups, balancing items or racing to complete a puzzle in under 60 seconds. These<span> </span><a href="https://www.signupgenius.com/groups/minute-to-win-it-games-adults.cfm/1000">fast-paced competitions</a><span> </span>are especially fun for kids and adults to play side by side, since skill isn't required. All you really need is a good attitude and a timer!</p>
<h3><strong>Board Game Tournament</strong></h3>
<p>If your guests prefer classics like Life, Sorry or Operation, take a different approach by organizing a mini-tournament. Rotate through a few games, keep score and crown a champion at the end. You can even prepare some prizes for the winner and runners-up – like a mock trophy or a personalized T-shirt. This format works really well with larger groups because everyone is engaged. A little rivalry also adds excitement!</p>
<h3><strong>Tech-Enhanced Fun</strong></h3>
<p>Technology opens the door to a plethora of possibilities, assuming your friends and family are comfortable with interactive apps or online party sites. Trivia platforms are particularly good here, as you don't have to prepare questions ahead of time. Easy to organize and ideal for larger groups, these<span> </span><a href="https://www.cnet.com/tech/gaming/the-15-best-mobile-games-in-2025-top-iphone-and-android-games/">options</a><span> </span>allow those unable to attend to join virtually, so no one feels left out.</p>
<h3><strong>Outdoor Game Night</strong></h3>
<p>If the weather's nice, take the adventure outside! Consider giant Jenga, cornhole or glow-in-the-dark hide-and-seek for a playful twist on the usual living room setup. The extra space lets everyone move around more freely, and the fresh air brings a relaxed vibe. Just be sure to have blankets available and plenty of lighting to keep the festivities going after the sun sets.</p>
<h3><strong>Food and Game Pairing</strong></h3>
<p>Another way to make your party truly one of a kind? Focus on the food! Inject an element of surprise with unexpected snacks like tater tot skewers or mac and cheese tacos. You could also prepare dishes of a certain type or category, like vegetarian cuisine or<span> </span><a href="https://www.thegraciouspantry.com/ethnic-regional-foods/">ethnic favorites</a>. If you time various courses throughout the evening, your guests will get a break between rounds to chat and recharge. An open buffet along with assorted table snacks is a great idea as well.</p>
<p>The best game nights are filled with laughter, connection and a little friendly competition, so don't feel like you need to follow strict rules. All that matters is making memories with the people you love. So map out your plan, gather your crew and get ready for a night of fun!</p>
<p></p>
<p><a href="https://blog.coldwellbanker.com/author/carma-stahnke/" class="text-sm text-paleblue2 hover:text-softblue">by Carma Stahnke</a></p>]]>
        </description>
        <pubDate>
            <![CDATA[Wed, 15 Oct 2025 16:39:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/10/07/fun-ideas-for-your-next-game-night]]>
        </guid>
                    <category>
                <![CDATA[Family Fun]]>
            </category>
                                <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/company/sidral-mundet-nzSd8jiIbGc-unsplash.jpg]]></overviewPhoto>    </item>
        <item>
        <title>
            <![CDATA[Coldwell Banker Real Estate Unveils New Ad Campaign]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/10/07/coldwell-banker-real-estate-unveils-live-well-with-coldwell-a-campaign-celebrating-a-better-way-to-find-home]]>
        </link>
        <description>
            <![CDATA[<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/company/New_Page_2.png" alt="" width="921" height="518"></p>
<p><span style="font-size: 14pt;"><strong>The new campaign, "Live Well with Coldwell" blends emotional storytelling, Move Meter technology, and the first-ever dedicated ad placements for the Coldwell Banker Global Luxury program</strong> </span></p>
<p>The campaign premiered this past September at Generation Blue Experience<sup>®</sup> ,Coldwell Banker Real Estate's highly attended international conference, and airing on select Thursday evenings this fall during football season on Prime Video. With this launch, Coldwell Banker Real Estate introduces a new tagline that reflects its focus on helping clients live well, wherever they call home.</p>
<p>At the center of the ads is the brand's proprietary<span> </span><a href="https://www.coldwellbanker.com/movemeter">Move Meter</a><a href="https://www.coldwellbanker.com/movemeter"><sup>®</sup></a>, a digital tool that helps consumers compare cities on cost of living, amenities, and lifestyle factors. Licensed music from Cat Stevens provides the soundtrack, underscoring the emotional journey people take in finding home.</p>
<p>"Live Well With Coldwell is a reminder that real estate is about more than transactions—it's about creating the foundation of a life well-lived," said<span> </span><strong>Brandon Newman, Coldwell Banker Real Estate Vice President of Marketing</strong>. "By pairing powerful storytelling with data-driven tools, this campaign connects dreams with decisions. Football is the perfect backdrop because it's where people gather to enjoy home, community, and tradition."</p>
<p>For the first time, the Coldwell Banker Global Luxury program will also have<span> </span><a href="https://youtu.be/5ueOyhey8rM">dedicated ad placements</a>, underscoring the brand's expertise in serving affluent buyers and sellers worldwide. The brand continues to enhance its support for its 95,000 agents delivering premium service across all market segments through innovative marketing materials, cutting-edge client service tools, and comprehensive professional development programs.</p>
<p>"Whether guiding a first-time buyer or a luxury client, we're giving our affiliated agents the tools, technology, and learning resources to deliver unmatched service at every price point," said<span> </span><strong>Jason Waugh, President of Coldwell Banker Affiliates</strong>.</p>
<p>The Coldwell Banker brand has long been known for its presence in sports marketing. Out of 550 advertisers during the 2024 football season, the Coldwell Banker<sup>®</sup><span> </span>brand ranked #3 in ad effectiveness<sup>1</sup>, and it has held the #1 real estate ad ranking for 13 consecutive years, according to ACE Metrix<sup>2</sup>. With this year's campaign airing on select Thursday evenings during the football season, the brand is building on that legacy while positioning itself for continued growth in an evolving housing market.</p>
<p><em>Enjoy the new ad played during select Amazon Prime Thursday night football games.</em></p>
<p><video width="860" height="430" controls="controls">
		<source src="http://mschroeder.cbboise.com/shared/fs/0759/company/if_you_want__60__16x9___1080p_.mp4" type="video/mp4" /></video></p>
<p><a href="https://blog.coldwellbanker.com/author/athena-snow/" class="text-sm text-paleblue2 hover:text-softblue">by Athena Snow</a></p>]]>
        </description>
        <pubDate>
            <![CDATA[Wed, 08 Oct 2025 12:00:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/10/07/coldwell-banker-real-estate-unveils-live-well-with-coldwell-a-campaign-celebrating-a-better-way-to-find-home]]>
        </guid>
                    <category>
                <![CDATA[News]]>
            </category>
                                <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/company/New_Page_2.png]]></overviewPhoto>    </item>
        <item>
        <title>
            <![CDATA[Saving Strategies for a New Mortgage]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/10/01/saving-strategies-for-a-new-mortgage]]>
        </link>
        <description>
            <![CDATA[<p></p>
<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogHeader-1120x630_2025.png" width="549" height="309" alt="" style="display: block; margin-left: auto; margin-right: auto;"></p>
<div class="row">
<div class="col-sm-12">
<p><em>Purchasing a home is one of the most significant financial decisions most people will make in their lifetime, and navigating the complexities of securing a mortgage can be complex - especially when interest rates are high. But there are strategies that may reduce your monthly costs and save thousands of dollars over the life of your loan.</em></p>
<p>While not covered here, the type of mortgage you choose, its term, and your eligibility for specialized loan programs also affect mortgage costs. Please explore our content on those topics for more details. <strong>The points below are intended for those who have already determined the right mortgage for them and are seeking ways to reduce its cost.</strong></p>
<p>Also, while it's easier said than done, one obvious way to reduce mortgage costs is to simply borrow less. Remember, just because your lender says you can "afford" a specific maximum payment, you <em>can</em> borrow less. Buying a home is both an emotional and financial decision, but keeping all options open is a responsible approach. For example, if you could be happy with a smaller house or a home in a different neighborhood, borrowing less will reduce your overall debt, your monthly payment, and the interest paid over the life of the loan. </p>
<p><strong>Improving Your Credit Score</strong></p>
<p>One of the most effective ways to reduce the cost of a new mortgage is to maximize your credit score before applying. Whether you plan to buy a home in six months or six years, this step increases your likelihood of qualifying for the lowest possible rate. </p>
<p>Your credit score is a crucial factor that lenders consider when determining your mortgage interest rate. A higher credit score indicates to lenders that you are a lower-risk borrower, which can lead to more favorable interest rates. Steps to improve your credit score include monitoring your credit reports for errors, paying your bills on time, and keeping your debt utilization ratio (the ratio of outstanding credit balances to credit limits) to 30% or less.</p>
<p>In the months leading up to your mortgage application, avoid new credit applications if possible. Your score can dip slightly each time you apply for credit that's unrelated to your mortgage.</p>
<p><strong>Compare Mortgage Lenders</strong></p>
<p>One of the most effective ways to minimize the cost of a new mortgage is to compare offers from multiple lenders. While it may be tempting to work with the first lender you encounter or the lender recommended by your realtor, taking the time to shop around may result in significant savings.</p>
<p>Each lender has its unique set of criteria for determining interest rates and terms, which means the offers you receive vary considerably from one lender to another. By obtaining quotes from several lenders, you can compare the interest rates, fees, and terms they offer and select the one that provides the best deal.</p>
<p>When comparing lenders, be sure to look beyond just the interest rate. Consider factors such as the annual percentage rate (APR), which includes the interest rate and any fees associated with the loan. Also, pay attention to the loan terms, including any prepayment penalties.</p>
<p>Remember that applying for a mortgage with multiple lenders within a short period (typically 45 days) will <em>not</em> significantly impact your credit score. Credit scoring models recognize that multiple mortgage applications within a short timeframe indicate that you are shopping for the best deal rather than seeking additional debt.</p>
<p><strong>Increasing the Down Payment</strong></p>
<p>The amount of your down payment plays a significant role in the cost of your mortgage. Lenders often offer lower interest rates to borrowers who make larger down payments. </p>
<p>In addition, if you can put down 20% or more of the home's purchase price, you can avoid the need for Private Mortgage Insurance (PMI), a monthly cost in the hundreds of dollars. Even if you can't put 20% down, higher down payments (besides having good-to-excellent credit) will minimize PMI costs.</p>
<p><strong>Exploring Mortgage Points</strong></p>
<p>Mortgage points, also known as discount points, are fees paid directly to the lender at closing in exchange for a reduced interest rate. This strategy can lower the monthly and overall cost of your mortgage, but it's essential to understand how they work and when purchasing them could make financial sense.</p>
<p>One mortgage point typically equals 1% of your loan amount. For instance, one point on a $350,000 loan would cost $3,500. Each point purchased usually lowers the interest rate by a fixed amount, which can vary from lender to lender but is often around 0.25%. To determine whether buying points is a good investment, calculate the break-even point - the time it takes for the monthly savings gained from a lower interest rate to exceed the cost of the points.</p>
<p>To understand the break-even point:</p>
<ul>
<li>Calculate the total cost of the points you're considering purchasing.</li>
<li>Subtract the monthly payment with points from the monthly payment without points - that's your monthly savings.</li>
<li>Divide the total cost of the points by the monthly savings to determine how many months it will take to break even.</li>
</ul>
<p>Here's an example:</p>
<ul>
<li>Loan Amount: $350,000</li>
<li>Rate without Points: 6.5%</li>
<li>Rate with One Point: 6.25% (costing $3,500)</li>
<li>Savings: $57 per month / $684 per year / $21,600 over 30 years</li>
<li>Break-Even Point: $3,500 / $57 ≈ 61 months </li>
</ul>
<p>The additional savings for each point you purchase will be similar. For example, buying two points for $7,000 would reduce your monthly payment by $114.</p>
<p>However, the decision about whether or not to purchase points can be complex. Here are some pros and cons to consider:</p>
<p><em>Pros of Buying Points</em></p>
<ul>
<li>Lower Monthly Payments - Reducing your interest rate lowers your monthly payments, making your mortgage more affordable month-to-month.</li>
</ul>
<ul>
<li>Long-Term Savings - If you plan to stay in your home long enough to pass the break-even point, buying points can save you a significant amount of money over the life of the loan.</li>
</ul>
<p><em>Cons of Buying Points</em></p>
<ul>
<li>Upfront Cost - You need to have the cash available to pay for the points at closing, which can be substantial.</li>
</ul>
<ul>
<li>Break-Even Timeline - If you move or refinance before reaching the break-even point, purchasing points would actually waste money.</li>
</ul>
<ul>
<li>Reduced Liquidity - The money spent on points could be used for other investments or savings opportunities that may offer a better return on investment.</li>
</ul>
<p>Remember, buying points only makes sense if you plan on owning the home well beyond the break-even point. Another consideration is the direction of interest rates - if current rates are low and expected to rise, locking in a lower rate by buying points can be particularly beneficial. But if rates are currently high and are expected to fall, refinancing the mortgage in the future could be a better option. Since the future can't be predicted, the best approach is to be informed about your choices and seek the advice of a financial professional when needed.</p>
<p><strong>Other Ways to Save </strong></p>
<p>Beyond maintaining a high credit score, comparing lenders, making a sizeable down payment, and purchasing points, you can employ other strategies that may reduce your mortgage's monthly and overall cost. </p>
<p><em>Shop Around for Homeowner's Insurance</em></p>
<p>Homeowner's insurance is a monthly cost that you do have some control over. The first step is to compare insurance providers since rates can vary significantly, even for similar coverage.</p>
<p>Another option is to explore policy bundles. Insurers often offer discounts if you bundle your homeowner's insurance with other policies, such as auto and umbrella insurance.</p>
<p>Finally, increasing your policy deductible can reduce monthly costs. A higher deductible can lower your insurance premium, but consider this option very carefully. Ensure you choose a deductible amount you could comfortably pay in case of a claim.</p>
<p><em>Explore Bi-Weekly Payment Plans</em></p>
<p>By paying half of your monthly mortgage payment every two weeks, you make 26 half-payments per year, which equates to 13 full monthly payments instead of 12. This extra payment won't reduce monthly costs, but it does reduce the principal balance faster - so you'll pay off your loan more quickly and minimize total interest charges.</p>
<p>Check with your lender if they offer a bi-weekly payment plan. Ensure that the extra payments go directly toward the principal. Some services charge for setting up bi-weekly payments, so it might be more cost-effective to make the additional payment on your own each year.</p>
<p><strong>The Takeaway</strong></p>
<p>Purchasing a home is a significant financial commitment, and the cost of a mortgage can substantially impact your long-term financial well-being. By taking proactive steps to minimize the cost of your mortgage, you can potentially save thousands of dollars over the life of your loan and make homeownership more affordable. Remember, even small steps can lead to substantial savings over the life of your mortgage. </p>
</div>
<section class="o-page__content entry-content"></section>
<section class="o-more-resources o-more-resources--related-posts">
<div class="o-more-resources__inner"></div>
</section>
</div>
<p><a href="https://www.iccu.com/coldwell-banker-tomlinson-mortgage-loan-officers"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogFooter-1120x450_2025.png" width="744" height="268" alt="" style="display: block; margin-left: auto; margin-right: auto;"></a></p>
<p> </p>]]>
        </description>
        <pubDate>
            <![CDATA[Wed, 01 Oct 2025 14:32:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/10/01/saving-strategies-for-a-new-mortgage]]>
        </guid>
                    <category>
                <![CDATA[Buying A Home]]>
            </category>
                                <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogHeader-1120x630_2025.png]]></overviewPhoto>    </item>
        <item>
        <title>
            <![CDATA[Create a Fall Reading Nook + 5 Standout Novels for Autumn]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/09/04/create-a-fall-reading-nook-5-standout-novels-for-autumn]]>
        </link>
        <description>
            <![CDATA[<p><strong><img src="http://mschroeder.cbboise.com/shared/fs/0759/company/AdobeStock_1597565585.jpeg" width="650" height="252" alt=""></strong></p>
<h3><span style="color: #003366;"><strong>Create Your Reading Sanctuary</strong></span></h3>
<p>Transform any quiet corner into an inviting retreat with these fall décor ideas:</p>
<ul>
<li><strong>Layer soft textures</strong>: Think chunky blankets, plush pillows, and warm-toned curtains in shades like deep olive or burnt sienna.</li>
<li><strong>Set the mood with lighting</strong>: Combine ambient overhead lights with a warm-toned floor or table lamp to cast that cozy glow.</li>
<li><strong>Curate your nook</strong>: A comfortable chair or window seat paired with a small bookshelf or basket makes grabbing your next page-turner effortless.</li>
<li><strong>Add a touch of charm</strong>: Simple accents like a vintage poetry book or a small plant can bring character and calm to your space.</li>
</ul>
<hr>
<p><strong></strong></p>
<h3 style="text-align: center;"><span style="color: #003366;"><strong>5 Must-Read Fiction Picks for Fall 2025</strong></span></h3>
<p style="text-align: center;"><strong><img src="http://mschroeder.cbboise.com/shared/fs/0759/company/Screenshot_2025-09-04_at_2_02_29___PM.png" width="131" height="200" alt=""></strong></p>
<p style="text-align: center;"><strong>The Emperor of Gladness</strong></p>
<p style="text-align: center;"><em>by Ocean Vuong</em></p>
<p style="text-align: center;">A beautifully wrought exploration of memory, care, and identity from one of today's most poetic voices.</p>
<p style="text-align: center;"></p>
<p style="text-align: center;"><strong><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/Screenshot_2025-09-04_at_2_02_46___PM.png" width="177" height="270" alt=""></strong></p>
<p style="text-align: center;"><strong>To the Moon and Back</strong></p>
<p style="text-align: center;"><em>by Eliana Ramage</em></p>
<p style="text-align: center;">Reese Witherspoon's September Book Club pick is a multi-generational, emotionally resonant novel about ambition, identity, and healing within a Native American family.</p>
<p style="text-align: center;"></p>
<p style="text-align: center;"><strong><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/Screenshot_2025-09-04_at_2_03_11___PM.png" width="182" height="274" alt=""></strong></p>
<p style="text-align: center;"><strong>Bridge of Sighs</strong></p>
<p style="text-align: center;"><em>by Richard Russo</em></p>
<p style="text-align: center;">This heartfelt novel explores love, friendship, and the lingering echoes of the past.</p>
<p style="text-align: center;"></p>
<p style="text-align: center;"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/Screenshot_2025-09-04_at_2_11_47___PM.png" width="191" height="287" alt=""></p>
<p style="text-align: center;"><strong>Culpability</strong></p>
<p style="text-align: center;"><em>by Bruce Holsinger</em></p>
<p style="text-align: center;">Oprah's selection, this gripping family drama weaves in profound questions about AI and ethics—relevant and thought-provoking for today's world.</p>
<p style="text-align: center;"></p>
<p style="text-align: center;"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/Screenshot_2025-09-04_at_2_04_34___PM.png" width="194" height="292" alt=""></p>
<p style="text-align: center;"><strong>Broken Country</strong></p>
<p style="text-align: center;"><em>by Clare Leslie Hall</em></p>
<p style="text-align: center;">This historical fiction transports readers to the 1960s through a tender and compelling story of family and identity.</p>
<p style="text-align: center;"></p>
<p style="text-align: center;"><strong></strong></p>
<hr>
<p><strong>Fall Into Reading</strong></p>
<p>Picture yourself nestled into your cozy nook with a soft blanket—perhaps a warm drink in hand—and one of these compelling reads. Each novel carries its own rich emotional journey, perfect for the slower, reflective pace of autumn.</p>
<p> </p>]]>
        </description>
        <pubDate>
            <![CDATA[Tue, 16 Sep 2025 16:05:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/09/04/create-a-fall-reading-nook-5-standout-novels-for-autumn]]>
        </guid>
                    <category>
                <![CDATA[Boise Life]]>
            </category>
                                <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/company/AdobeStock_1597565585.jpeg]]></overviewPhoto>    </item>
        <item>
        <title>
            <![CDATA[Seasonal Sips: Cozy Fall Drinks to Enjoy at Home]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/09/04/seasonal-sips-cozy-fall-drinks-to-enjoy-at-home]]>
        </link>
        <description>
            <![CDATA[<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/AdobeStock_681512283.jpeg" width="650" height="433" alt=""></p>
<p><span style="color: #003366;"><em>As the days grow cooler and the leaves turn golden, fall invites us to slow down and savor the season. And what better way to do that than with a warm drink in hand? Whether it's a tea latte, a spiced coffee creamer, or a homemade syrup, these cozy creations make your kitchen feel like a café.</em></span></p>
<p><span style="color: #003366;"><em>This month, we're sharing four easy recipes to enjoy at home. Not only do you control the sweetness and ingredients (at a fraction of the cost), but your home will smell amazing.</em></span></p>
<p><em>Pro tip: if you really want to take your homemade drinks to the next level, invest in a milk frother. It's a small upgrade that makes every latte, steamer, or hot cocoa taste 100% café-worthy.</em></p>
<hr>
<h3><span style="color: #003366;"><strong>The Classic London Fog</strong></span></h3>
<p>A London Fog blends Earl Grey tea, steamed milk, and vanilla syrup into a soothing, fragrant tea latte. It's elegant but simple—the kind of drink that feels like a treat, yet comes together in minutes.</p>
<p><em>Adapted from hiphopgourmet.com</em></p>
<p>1 cup water<br>½ cup milk of choice<br>1 Earl Grey tea bag<br>1 tsp honey, sugar, or brown sugar<br>¼ tsp vanilla extract</p>
<p>Heat water until just boiling, then pour into a mug with the tea bag. Let steep for 3–5 minutes, depending on how strong you like your tea. Remove the bag and stir in your sweetener. Warm the milk with vanilla—either in the microwave for about a minute or gently on the stovetop. Froth the milk until light and foamy, then slowly pour it into the tea, holding back the foam with a spoon. Spoon the foam on top, adjust sweetness to taste, and garnish with lavender if desired.</p>
<hr>
<h3><span style="color: #003366;"><strong>Citrus Mint Tea (Cold Season Comfort)</strong></span></h3>
<p>Refreshing and restorative, this citrus mint tea is perfect for when the chill in the air brings on sniffles. With its mix of bright citrus and calming mint, it's both cozy and naturally comforting—a soothing sip to help you feel your best.</p>
<p><em>Recipe adapted from wearenotmartha.com</em></p>
<p>1 cup water<br>1 cup lemonade<br>1 Teavana Jade Citrus Mint tea bag (or mint green tea of choice, or Tazo Zen)<br>1 Teavana Peach Tranquility tea bag (or peach herbal tea of choice)<br>1 ½ tsp honey</p>
<p>In a small saucepan, combine water and lemonade and bring just to a boil. Remove from heat, add both tea bags, and let steep for about 5 minutes before discarding. Stir in honey until dissolved. Serve warm in a mug, with a lemon slice if you like.</p>
<hr>
<h3><span style="color: #003366;"><strong>Cinnamon Bun Coffee Creamer</strong></span></h3>
<p>This homemade creamer tastes like a cinnamon roll in a cup. Sweet, spiced, and creamy, it's the perfect upgrade for your daily coffee and fills your kitchen with the cozy aroma of fall baking.</p>
<p><em>Recipe adapted from mountainmamacooks.com</em></p>
<p>1 cup whole cream<br>¾ cup whole milk<br>⅓ cup maple syrup<br>1 cinnamon stick<br>1 tbsp vanilla extract<br>½ tsp almond extract</p>
<p>Warm cream and milk in a saucepan over medium heat until just starting to steam. Lower the heat, add maple syrup and cinnamon stick, and let the mixture infuse gently for 5 minutes, stirring now and then. Remove from heat, stir in vanilla and almond extracts, and let cool. Take out the cinnamon stick before storing in a sealed glass container in the refrigerator for up to a week. Shake before each use.</p>
<hr>
<h3><span style="color: #003366;"><strong>Caramel Syrup for Coffee, Tea, or Steamers</strong></span></h3>
<p>Nothing beats the buttery sweetness of caramel. This simple syrup works in everything from lattes to milk steamers, adding that perfect café-style touch. Bonus: it stores well, so you'll always have it ready for a quick drizzle.</p>
<p><em>Recipe adapted from withtwospoons.com</em></p>
<p>1 cup granulated sugar<br>¾ cup water, divided<br>1 ½ tsp vanilla extract<br>⅛ tsp kosher salt</p>
<p>In a saucepan, combine sugar with ¼ cup water and stir over medium-low heat until dissolved. Increase the heat and cook until the mixture turns a rich golden caramel color, stirring occasionally. Remove from heat and carefully add the remaining ½ cup water—it will bubble vigorously. Stir until smooth, then mix in vanilla and salt. Let cool slightly before transferring to a glass jar. Store in the fridge for several months and use 1–2 tablespoons in your favorite drinks.</p>
<hr>
<h4><strong>Bring Fall Home</strong></h4>
<p>These recipes aren't just beverages—they're small rituals that make the season special. From sipping a London Fog on a rainy morning to stirring caramel into a cozy evening steamer, each recipe is an invitation to slow down and savor fall.</p>
<p>So grab your favorite mug, try one (or all!) of these seasonal sips, and toast to the cozy comforts of home.</p>
<p> </p>]]>
        </description>
        <pubDate>
            <![CDATA[Fri, 12 Sep 2025 14:25:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/09/04/seasonal-sips-cozy-fall-drinks-to-enjoy-at-home]]>
        </guid>
                    <category>
                <![CDATA[Boise Life]]>
            </category>
                    <category>
                <![CDATA[Food]]>
            </category>
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        <item>
        <title>
            <![CDATA[Understanding Down Payments]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/09/03/understanding-down-payments]]>
        </link>
        <description>
            <![CDATA[<p></p>
<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogHeader-1120x630_2025.png" width="549" height="309" alt="" style="display: block; margin-left: auto; margin-right: auto;"></p>
<div class="row">
<div class="col-sm-12">
<p><span>A large down payment isn't always needed to buy a home, but let's take a look at how down payments can affect your total mortgage costs.</span></p>
</div>
<section class="o-page__content entry-content">
<p>When saving money for a house, here's some advice that never goes out of style: start early and save often. Building a sizeable nest egg can make buying a home a much smoother experience, especially securing a mortgage with favorable terms.</p>
<p>Unfortunately, statistics show that many of us struggle with saving for such a long-term goal. Having a clearly defined objective certainly helps, and few goals are as motivating as owning your own home. So, let's dive into the basics of saving for a down payment and dispel some common myths along the way.</p>
<h3>Down Payment Myths</h3>
<p>You've probably heard that you need a 20% down payment to buy a home. While a 20% down payment is ideal, the reality is quite different. Most people don't put down that much when buying a home. In fact, the vast majority of homebuyers make down payments of 10% or less.</p>
<h4 class="wp-block-heading" id="h-why-the-20-myth-persists"><em>Why the 20% Myth Persists</em></h4>
<p>The 20% figure is popular because it offers some definite advantages:</p>
<ul class="wp-block-list">
<li><strong>Avoiding Private Mortgage Insurance (PMI)</strong><span> </span>– When you put down at least 20%, you can usually skip PMI, which is an additional monthly cost designed to protect the lender in case you default on your loan. This can save you hundreds (or even thousands) of dollars a year.</li>
<li><strong>Lower Monthly Payments</strong><span> </span>– A larger down payment means you're borrowing less money, which results in lower monthly mortgage payments.</li>
<li><strong>More Attractive Loan Terms</strong><span> </span>– Lenders view borrowers with a higher down payment as less risky, so you're more likely to qualify for better interest rates and loan terms.</li>
</ul>
<p>However, the idea that you <em>must</em> have 20% is simply not true. Most lenders are flexible and accept down payments as low as 5%, or even less in some cases. There are also several government-backed programs that make homeownership more accessible, even if you don't have a large down payment saved up:</p>
<ul class="wp-block-list">
<li><a href="https://www.iccu.com/loans/home-loans/fha/"><strong>FHA Loans</strong><span> </span></a>– Ideal for first-time homebuyers, Federal Housing Administration (FHA) loans require as little as 3.5% down if you have a credit score of 580 or higher. This makes it easier for those with limited savings to get into their first home.</li>
<li><a href="https://www.iccu.com/loans/home-loans/va/"><strong>VA Loans</strong><span> </span></a>– If you're a military veteran or an active service member, you may qualify for a VA loan through the Department of Veterans Affairs. These loans offer the possibility of buying a home with no down payment and come with competitive interest rates.</li>
<li><span style="color: #003366;"><strong>USDA Loans</strong></span><span> </span>– The U.S. Department of Agriculture offers loans for buyers in certain rural areas. If you qualify, you could secure a home with no down payment, making it a great option for those willing to live outside major metropolitan areas.</li>
</ul>
<p>While these programs can significantly reduce your upfront costs, remember that the less you put down, the more you'll borrow – and the more interest you'll pay over the life of the loan.</p>
<h3>The Benefits of a Larger Down Payment</h3>
<p>Even though you're not required to put down 20%, there are still plenty of reasons to aim for as much as you can afford:</p>
<ul class="wp-block-list">
<li><strong>Shorter Loan Term Options</strong><span> </span>– A larger down payment might allow you to opt for a shorter-term mortgage, such as a 15-year loan, which can save you thousands of dollars in interest.</li>
<li><strong>Immediate Home Equity</strong><span> </span>– A bigger down payment means you start off with more equity in your home, giving you a financial cushion and greater flexibility if you need to tap into that equity down the road.</li>
<li><strong>Better Loan Approval Chances</strong><span> </span>– Having more skin in the game makes you a less risky borrower, which can improve your chances of getting approved, especially if your credit score isn't perfect.</li>
</ul>
<h3><strong>How to Save for a Down Payment</strong></h3>
<p>Saving for a down payment might feel overwhelming, but breaking it down into manageable steps can make the process much more achievable. Here are some strategies to help you reach your goal:</p>
<strong><em>Start Early and Save Consistently</em></strong>
<p>It's no secret that the earlier you start saving, the easier it is to build a substantial down payment fund. Setting up an automatic transfer from your checking to your savings account each month is a great way to make saving a habit. Treat it like any other bill – something you pay regularly, without fail.</p>
<em><strong>Choose the Right Savings Vehicle</strong></em>
<p>If your goal is four or five years away, stick to safer options like<a href="https://www.iccu.com/accounts/savings/high-yield-online-savings/"><span> </span>high-yield savings accounts</a><span> </span>or<span> </span><a href="https://www.iccu.com/accounts/savings/certificates-of-deposit/">Certificates of Deposit</a><span> </span>(also known as Share Certificates). While you might be tempted to invest in the stock market for higher returns, the volatility can be risky if you need access to your money in a few years. The last thing you want is to have your down payment savings take a hit just before you're ready to buy.</p>
<p>Consider opening a dedicated savings account specifically for your down payment. This way, you won't be tempted to dip into it for non-essential expenses, and you'll be able to track your progress more easily.</p>
<em><strong>Cut Back on Unnecessary Spending</strong></em>
<p>Take a close look at your monthly expenses and identify areas where you can cut back. Maybe it's canceling that gym membership you rarely use, cooking at home more often, or cutting down on subscription services. Even small changes can add up over time and help you reach your savings goal faster.</p>
<em><strong>Pay Down High-Interest Debt First</strong></em>
<p>If you have high-interest credit card debt, prioritize paying it off before aggressively saving for a down payment. Why? Because the interest you're paying on credit card debt often far exceeds what you'd earn in a savings account. Reducing or eliminating this debt saves you money in the long run and improves your debt-to-income ratio, making you a more attractive borrower when applying for a mortgage.</p>
<em><strong>Consider Using Windfalls or Bonuses</strong></em>
<p>If you receive a tax refund, work bonus, or even a monetary gift, consider putting it directly into your down payment fund. These windfalls can give your savings a significant boost, getting you closer to your goal much faster.</p>
<h3>How Much Should You Save?</h3>
<p>So, how much should you aim to save for a down payment? A common rule of thumb is to have at least 20% of the home's purchase price if you want to avoid PMI and secure the best loan terms. However, if that's not realistic for you, aim for at least 5% to 10% and explore other options, like<span> </span><a href="https://www.iccu.com/loans/home-loans/fha/">FHA</a><span> </span>or<span> </span><a href="https://www.iccu.com/loans/home-loans/va/">VA<span> </span></a>loans.</p>
<p>For example, if you're eyeing a $300,000 home, a 5% down payment would be $15,000, a 10% down payment would be $30,000, and a 20% down payment would be $60,000. These are big numbers, but the more you save, the easier the home-buying process will be.</p>
<h3>The Takeaway</h3>
<p>Saving for a down payment is a long-term goal that requires discipline, planning, and a bit of sacrifice. But remember, every dollar you save gets you one step closer to owning your dream home. Whether you're aiming for the full 20% or working with a smaller goal, start early, save consistently, and stay focused. With a solid savings plan and a clear understanding of your options, you'll be well on your way to achieving this important milestone.</p>
<p class="has-sm-font-size">Source:<span> </span><a href="https://moneyedu.iccu.com/public/featured-topic-theme.cfm?code=ICCU&FeaturePage=1&ModuleID=362&cbid=3343&resources" target="_blank" rel="noreferrer noopener">MoneyEdu Financial Education</a></p>
</section>
<section class="o-more-resources o-more-resources--related-posts">
<div class="o-more-resources__inner"></div>
</section>
</div>
<p><a href="https://www.iccu.com/coldwell-banker-tomlinson-mortgage-loan-officers"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogFooter-1120x450_2025.png" width="744" height="268" alt="" style="display: block; margin-left: auto; margin-right: auto;"></a></p>
<p> </p>]]>
        </description>
        <pubDate>
            <![CDATA[Wed, 03 Sep 2025 11:18:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/09/03/understanding-down-payments]]>
        </guid>
                    <category>
                <![CDATA[Buying A Home]]>
            </category>
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        <item>
        <title>
            <![CDATA[Welcome to the Treasure Valley: Where Should You Call Home?]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/08/07/welcome-to-the-treasure-valley-where-should-you-call-home]]>
        </link>
        <description>
            <![CDATA[<p><span style="color: #003366;"><em><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/AdobeStock_732752281.jpeg" width="1000" height="666" alt=""></em></span><span style="color: #003366;"><em></em></span></p>
<p><span style="color: #003366;"><em>Thinking of making the move to the Treasure Valley? Here's a quick guide to the personality, population, housing market, and lifestyle highlights for each area—Boise, Meridian, Kuna (pictured above), Nampa, Eagle, Star, Middleton, and Caldwell.</em></span></p>
<h4>Boise</h4>
<ul>
<li><strong>Population:</strong> 235,000 (2020 census)</li>
<li><strong>Median Home Price:</strong> $518,000</li>
<li><strong>Vibe:</strong> A walkable city rich with great restaurants and shopping, Basque heritage, and outdoor access. Urban meets foothills.</li>
<li><strong>Housing Types:</strong> Historic neighborhoods, infill builds, and modern new construction alongside resale homes.</li>
<li><strong>Top Events:</strong> Spirit of Boise Balloon Classic, Idaho Shakespeare Festival, Treefort Music Festival</li>
</ul>
<h4>Meridian</h4>
<ul>
<li><strong>Population:</strong> 117,635 (2020 census), now estimated around 142,830</li>
<li><strong>Median Home Price: </strong>$528,150</li>
<li><strong>Vibe:</strong> Fast‑growing family hub with excellent schools, parks, and suburban amenities.</li>
<li><strong>Housing Types:</strong> Predominantly new master-planned communities, with some resale options.</li>
<li><strong>Top Events:</strong> Concerts on Broadway, Dairy Days, Winter Lights Parade</li>
</ul>
<h4>Nampa</h4>
<ul>
<li><strong>Population:</strong> 100,200 (2020 census), now closer to 119,220</li>
<li><strong>Median Home Price: </strong>$425,000</li>
<li><strong>Vibe:</strong> Affordable, evolving city with university culture, services, and parks, and updated downtown area.</li>
<li><strong>Housing Types:</strong> Mostly resale homes, with a growing number of new builds.</li>
<li><strong>Top Events:</strong> Snake River Stampede, Pooch Party, Nampa Festival of Arts, Canyon County Fair</li>
</ul>
<h4>Caldwell</h4>
<ul>
<li><strong>Population:</strong> 60,000 (2020 census), now estimated at 73,466</li>
<li><strong>Median Home Price: </strong>$400,000</li>
<li><strong>Vibe:</strong> Historical charm, agricultural roots, and affordability.</li>
<li><strong>Housing Types:</strong> Mix of older homes and value-focused new developments.</li>
<li><strong>Top Events:</strong>  Winter Wonderland at Indian Creek, Caldwell Night Rodeo, Taste of Caldwell</li>
</ul>
<h4>Eagle</h4>
<ul>
<li><strong>Population:</strong> 30,346 (2020 census)</li>
<li><strong>Median Home Price: $768,500</strong></li>
<li><strong>Vibe:</strong> Quiet, elegant, and premium—tree-lined streets, upscale amenities.</li>
<li><strong>Housing Types:</strong> High-end resales and custom new builds on large lots.</li>
<li><strong>Top Events:</strong> Eagle Fun Days, Eagle Country Christmas, Harvest Fest</li>
</ul>
<h4>Star</h4>
<ul>
<li><strong>Population:</strong> 11,117 (2020 census), now estimated 19,920</li>
<li><strong>Median Home Price: </strong>$588,253</li>
<li><strong>Vibe:</strong> Peaceful rural-suburban blend—ideal for families wanting space and serenity.</li>
<li><strong>Housing Types:</strong> New subdivisions on larger lots; occasional resale properties.</li>
<li><strong>Top Events:</strong> Hometown Celebration Parade, Chili Cook-Off, Summer Concert Series</li>
</ul>
<p><strong>Kuna</strong></p>
<ul>
<li><strong>Population:</strong> 31,490 (2024 est.)</li>
<li><strong>Median Home Price: </strong>$450,490</li>
<li><strong>Vibe:</strong> Laid-back, rural-feel community growing in popularity for value and location.</li>
<li><strong>Housing Types:</strong> Affordable new construction and emerging neighborhoods.</li>
<li><strong>Top Events:</strong> Kuna Days, Kuna Hometown Fair, Downhome Country Christmas</li>
</ul>
<ul></ul>
<p><strong></strong></p>
<p><strong>Middleton</strong></p>
<ul>
<li><strong>Population:</strong> ~9,425 (2020 census), estimated 13,190</li>
<li><strong>Median Home Price: </strong>$565,427</li>
<li><strong>Vibe:</strong> Small-town with a tight-knit feel and agriculture roots.</li>
<li><strong>Housing Types:</strong> Resale homes and newer builds with community charm.</li>
<li><strong>Top Events:</strong> 4th of July celebration, Harvest Festival, Christmas parade</li>
</ul>
<hr>
<h4><strong>Let's Chat</strong></h4>
<p>Have questions about making your move? Our <a href="https://www.cbboise.com/getagent/">local real estate experts</a> know the Treasure Valley inside and out—and we're here to help you find the perfect place to call home. Reach out today!</p>
<p></p>
<p><em>*Median home prices based on sold listings reported in the Intermountain Multiple Listing Service (IMLS) from 7/1/2025-7/31/2025.</em></p>]]>
        </description>
        <pubDate>
            <![CDATA[Tue, 19 Aug 2025 13:54:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/08/07/welcome-to-the-treasure-valley-where-should-you-call-home]]>
        </guid>
                    <category>
                <![CDATA[Buying A Home]]>
            </category>
                    <category>
                <![CDATA[Moving]]>
            </category>
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        <item>
        <title>
            <![CDATA[Should You Renovate or Relist? What to Consider This Fall]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/08/07/should-you-renovate-or-relist-what-to-consider-this-fall]]>
        </link>
        <description>
            <![CDATA[<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/AdobeStock_560031316.jpeg" width="1000" height="667" alt=""></p>
<p><span style="color: #003366;"><em>Thinking about making a change this fall—but not sure whether to renovate or move on? You're not alone. Many homeowners find themselves at a crossroads: invest in updating their current space, or take the plunge and list it for sale?</em></span></p>
<p><span style="color: #003366;"><em>If you're starting to weigh your options, here are a few key factors to consider before deciding to renovate or relist.</em></span></p>
<hr>
<h4><strong>Renovating: Pros & Cons</strong></h4>
<p><strong>Pros:</strong></p>
<ul>
<li><strong>You get to stay put.</strong> If you love your neighborhood, school district, or commute, updating your current home can help it grow with your needs.</li>
<li><strong>You can personalize the space.</strong> Renovating lets you design exactly what you want—especially if you've got a vision in mind.</li>
<li><strong>It can increase value.</strong> Strategic updates (like kitchens, bathrooms, and energy efficiency) may boost your resale value down the line.</li>
</ul>
<p><strong>Cons:</strong></p>
<ul>
<li><strong>Renovations can be costly and unpredictable.</strong> Prices for materials and labor have fluctuated, and timelines often stretch.</li>
<li><strong>You may still not get everything you want.</strong> Floor plan limitations, lot size, or structural issues could mean you're still compromising.</li>
<li><strong>It's disruptive.</strong> Living through a renovation—especially a major one—can be stressful and messy.</li>
</ul>
<hr>
<h4><strong>Relisting: Pros & Cons</strong></h4>
<p><strong>Pros:</strong></p>
<ul>
<li><strong>You can find a home that already fits your lifestyle.</strong> Whether it's more space, a bigger yard, or a main-level primary suite, buying may solve the problem without the headaches of construction.</li>
<li><strong>You may cash in on equity.</strong> Home values have grown in recent years—if your property has appreciated, it could be a smart time to sell.</li>
<li><strong>Fresh start, fresh space.</strong> Sometimes it's not just the house—it's time for a new neighborhood, layout, or lifestyle.</li>
</ul>
<p><strong>Cons:</strong></p>
<ul>
<li><strong>You'll face new competition.</strong> Depending on your market, fall can bring more listings and more buyers to compete with.</li>
<li><strong>Buying power depends on interest rates.</strong> If you're purchasing again, make sure to crunch the numbers and talk to a lender early.</li>
<li><strong>Moving is a process.</strong> Packing, inspections, and timing it all can be overwhelming without the right support.</li>
</ul>
<hr>
<h4><strong>Why Fall Might Be the Perfect Time</strong></h4>
<ul>
<li><strong>Less competition.</strong> While spring and summer is busier, fall buyers and sellers tend to be more serious and focused.</li>
<li><strong>Weather's on your side.</strong> It's easier to show homes or schedule renovations before winter sets in.</li>
<li><strong>Motivated contractors & buyers.</strong> Contractors may have more availability post-summer, and buyers want to be settled before the holidays.</li>
</ul>
<hr>
<h4><strong>Still Not Sure?</strong></h4>
<p>Start with a comparative market analysis (CMA) to see what your home could be worth right now. Then, compare that to potential renovation costs—and how long you plan to stay.</p>
<p>A real estate professional can help you explore both paths, connect you with trusted contractors, and help you evaluate your options without pressure.</p>
<hr>
<h4><strong>Let's Chat</strong></h4>
<p>Whether you're dreaming of a kitchen remodel or curious what your home could sell for in today's market, we're here to help you navigate the possibilities. <a href="https://www.cbboise.com/getagent/">Reach out today</a> for a free consultation—no obligation, just information.</p>]]>
        </description>
        <pubDate>
            <![CDATA[Tue, 12 Aug 2025 13:29:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/08/07/should-you-renovate-or-relist-what-to-consider-this-fall]]>
        </guid>
                    <category>
                <![CDATA[Selling A Home]]>
            </category>
                    <category>
                <![CDATA[Home Improvement]]>
            </category>
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        <item>
        <title>
            <![CDATA[Quick Getaways to Savor the Last Days of Summer Near Boise]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/08/07/quick-getaways-to-savor-the-last-days-of-summer-near-boise]]>
        </link>
        <description>
            <![CDATA[<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/AdobeStock_304322641.jpeg" width="1000" height="667" alt=""></p>
<p><span style="color: #003366;"><em>Summer isn't over just yet—and there's still time to fit in one more adventure. Whether you've got a free weekend or just need a change of scenery, these quick getaways near the Treasure Valley offer the perfect mix of relaxation and exploration. No flights, no stress—just pack a bag and hit the road.</em></span></p>
<hr>
<h4><strong>Stargazing at <a href="https://parksandrecreation.idaho.gov/state-park/bruneau-dunes-state-park/">Bruneau Dunes State Park</a></strong></h4>
<p>Escape the city lights and discover one of Idaho's most unique landscapes. Home to the tallest single-structured sand dune in North America, Bruneau Dunes offers hiking, sandboarding, and unforgettable sunsets. On weekend evenings, visit the public observatory to see the stars through Idaho's largest telescope.<br><strong>Drive Time:</strong> ~1.5 hours<br><strong>Tip:</strong> Bring a blanket and stay late—stargazing here is next level.<br><br></p>
<h4><strong>Day Trip to Lucky Peak Reservoir</strong></h4>
<p>Just a short drive from Boise, Lucky Peak is a go-to for swimming, paddleboarding, or boating. Sandy Point and Spring Shores are great day-use areas for families, with shaded picnic spots and easy water access.<br><strong>Drive Time:</strong> ~30 minutes<br><strong>Tip:</strong> Go early to beat the crowds and claim a good spot near the water.</p>
<h4><strong>Hike & Ice Cream in Idaho City</strong></h4>
<p>Cooler temps and pine-scented trails make Idaho City a perfect late-summer escape. Hike the scenic Charcoal Gulch Trail or explore the town's historic boardwalks. Cap it off with a burger or ice cream from a small-town favorite like Trudy's Kitchen.<br><strong>Drive Time:</strong> ~1 hour<br><strong>Tip:</strong> Don't miss the old cemetery loop for a quiet scenic walk with history.<br><br></p>
<h4><strong>Soak at <a href="https://www.miraclehotsprings.com/">Miracle Hot Springs</a> <em>(Hagerman, ID)</em></strong></h4>
<p>If you're craving a relaxing soak with fewer crowds, Banbury and Miracle Hot Springs are worth the drive. Choose from geothermal pools, private tubs, or even a VIP domed experience surrounded by Idaho's quiet beauty.<br><strong>Drive Time:</strong> ~2 hours<br><strong>Tip:</strong> Book a private pool for the best experience—and stay overnight in one of their domes or cabins if you want to extend the getaway.<br><br></p>
<h4><strong>Fishing & Camping at Lake Cascade</strong></h4>
<p>For a longer weekend, head to Lake Cascade for a peaceful getaway. You'll find boating, paddleboarding, fishing, and some of the best starry skies in the region. Bring a tent or book a lakeside cabin.<br><strong>Drive Time:</strong> ~2 hours<br><strong>Tip:</strong> Check for events or festivals happening in Cascade before you go!<br><br></p>
<h4><strong>Horseback Riding + BBQ at <a href="https://www.deadwoodoutfitters.com/">Deadwood Outfitters</a></strong></h4>
<p>Tucked away between Lowman and Cascade, this mountain outfitter offers guided horseback rides, hearty western meals, and rustic cabin stays. It's a true Idaho experience with jaw-dropping views and total unplugged relaxation.<br><strong>Drive Time:</strong> ~2.5 hours<br><strong>Tip:</strong> Call ahead to book your ride and dinner—this hidden gem fills up fast.<br><br></p>
<hr>
<h4><span style="color: #003366;"><em><strong>Whether you're soaking in the stars, riding through mountain trails, or just enjoying one more lakeside sunset, these close-to-home adventures are a great way to savor the season. Here's to making every last summer day count.</strong></em></span></h4>
<p></p>]]>
        </description>
        <pubDate>
            <![CDATA[Thu, 07 Aug 2025 12:56:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/08/07/quick-getaways-to-savor-the-last-days-of-summer-near-boise]]>
        </guid>
                    <category>
                <![CDATA[Boise Life]]>
            </category>
                                <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/075900465/AdobeStock_304322641.jpeg]]></overviewPhoto>    </item>
        <item>
        <title>
            <![CDATA[Assembling a Home Buying Team]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/08/01/assembling-a-home-buying-team]]>
        </link>
        <description>
            <![CDATA[<p></p>
<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogHeader-1120x630_2025.png" width="549" height="309" alt="" style="display: block; margin-left: auto; margin-right: auto;"></p>
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<p>Having the right people on your side can help you make the best possible buying decisions.</p>
Especially if you're making your first home purchase, it's important to understand who will be in your corner throughout the process. From real estate agents to lenders, assembling the right team can help you find the right home - and avoid the stress of unnecessary surprises.</div>
<p><strong>Real Estate Agents</strong></p>
<p>When a real estate agent sells a house, they act in the homeowner's interests, not yours. That's why some home buyers hire a "buyer's agent," someone to look out for your interests exclusively. A buyer's agent can help you navigate the search, negotiate the price, and guide you through the paperwork.</p>
<p>However, hiring a buyer'sagent is a personal decision. Some experienced home buyers might feel comfortable handling the process independently, while others, particularly first-timers, find an agent's expertise invaluable.</p>
<p>If you do choose to work with an agent, it's essential to understand how they'll be compensated. Recent changes mean buyers aren't required to cover the buyer's agent's commission, but you'll want to clarify it upfront. Will they charge a flat fee, a percentage of the sale, or something else entirely? Remember, their compensation is negotiable, and discussing your budget and expectations is perfectly fine.</p>
<p>When searching for an agent, ask family and friends for recommendations, and feel free to interview a few. You want someone who understands your needs, knows the local market, and is experienced enough to guide you through the entire process. Make sure they have a clear communication style and you feel comfortable with them - this is a big decision, and you want someone you can trust.</p>
<p>It's also important to know the difference between a real estate agent and a REALTOR®. The main difference is that REALTORS® are members of the National Association of REALTORS® and must subscribe to their<span> </span><a href="https://www.nar.realtor/about-nar/governing-documents/the-code-of-ethics" target="_blank" rel="noopener">Code of Ethics</a>. REALTORS® are also subject to the oversight of the association. Real estate agents are simply salespeople who are qualified to sell homes. Both can help you, but the extra oversight might give you some added peace of mind.</p>
<p><img src="https://d1tz2afai16pd.cloudfront.net/topics/full/AdobeStock_449670190.jpg" class="img-responsive img-circle" width="292" alt="A set of keys to a home with a smiling woman." height="292"></p>
<p><strong></strong></p>
<p><strong>Your Lender</strong></p>
<p>Your lender is one of the most crucial players in your home-buying team. While you might be familiar with a particular financial institution, don't limit your options to just one source. It's a good idea to shop around and compare at least three lenders to ensure you're getting the best deal.</p>
<p>When comparing lenders, consider:</p>
<ul>
<li>Down Payment Requirements - How much will you need upfront? Some lenders offer programs with lower down payments, which might be helpful for first-time buyers.</li>
</ul>
<ul>
<li>Interest Rate (APR) - This will impact your monthly payments, so even a slight difference can add up over time.</li>
</ul>
<ul>
<li>Other Costs and Fees - Check for any hidden charges, like origination fees, application fees, or prepayment penalties. These can vary widely between lenders.</li>
</ul>
<ul>
<li>Loan Programs - First-time homebuyers or low-income buyers may qualify for government-backed loans like FHA or VA loans. These often have more favorable terms, so be sure to ask if you're eligible.</li>
</ul>
<p>Taking the time to compare your options can save you thousands of dollars over the life of your mortgage. A lower interest rate might sound appealing but watch out for high fees that could end up costing you more in the long run.</p>
<p><strong>The Home Inspector</strong></p>
<p>Once you've found a home you love and made an offer, the next step is to hire a professional home inspector. This person's job is to make sure there aren't any hidden issues lurking behind the walls or under the floorboards.</p>
<p>A typical inspection covers the home's structure and mechanics, including the foundation, roof, electrical systems, plumbing, heating, and air conditioning. If possible, you'll want to be there during the inspection. It allows you to see the property up close, and the inspector can also walk you through any potential problems and offer maintenance tips.</p>
<p>The inspector will provide a written report outlining any issues, which can be valuable for negotiating repairs or even the purchase price. If significant problems turn up, you might want to reconsider the deal altogether. After all, you don't want to move into a money pit.</p>
<p><strong>Other Team Members</strong></p>
<p>Several other professionals might play a role in your home purchase, depending on your situation:</p>
<ul>
<li>Escrow Officer - This person handles the transfer of documents and funds during the closing process. They make sure everything is in order before the transaction is finalized. The escrow officer might be your agent, attorney, an escrow company, or a title insurance company.</li>
</ul>
<ul>
<li>Title Insurance Officer - They review the title to ensure there are no hidden liens or disputes that could affect your ownership. They'll also confirm details like deed restrictions, zoning rules, and homeowner's association dues, so you're not caught off guard later.</li>
</ul>
<ul>
<li>Appraiser - Your lender will require an appraisal to make sure the home is worth what you're paying. The appraiser looks at the home's structure, recent sales of similar properties, and replacement costs to determine its fair market value.</li>
</ul>
<ul>
<li>Surveyor - This professional outlines the property's boundaries, ensuring everything is where it should be. They'll identify the fence lines, easements, and any other structures to confirm there is no encroachment on neighboring properties.</li>
</ul>
<ul>
<li>Insurance Agent - Protecting your investment is necessary, so you'll need a homeowner's insurance policy before closing. It's a good idea to sit down with a few agents and discuss your options. Remember to ask about additional coverage, like flood insurance, especially if your new home is in a high-risk area.</li>
</ul>
<p><strong>The Takeaway</strong></p>
<p>Buying a home is one of the most significant financial decisions you'll make, and having the right team in place can make all the difference. Each member of your home-buying team plays a critical role in ensuring the process goes as smoothly as possible.</p>
<p>By taking the time to find experienced, trustworthy professionals who have your best interests in mind, you'll be better equipped to handle any challenges that come your way. And remember, don't be afraid to ask questions, negotiate terms, and make sure you're comfortable with every step. With the right team by your side, you'll be well on your way to finding a home that's just right for you.</p>
</div>
<p><a href="https://www.iccu.com/coldwell-banker-tomlinson-mortgage-loan-officers"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogFooter-1120x450_2025.png" width="744" height="268" alt="" style="display: block; margin-left: auto; margin-right: auto;"></a></p>
<p> </p>]]>
        </description>
        <pubDate>
            <![CDATA[Fri, 01 Aug 2025 18:09:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/08/01/assembling-a-home-buying-team]]>
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                    <category>
                <![CDATA[Uncategorized]]>
            </category>
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        <item>
        <title>
            <![CDATA[Is a Vacation Home Right for You?]]>
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        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/07/03/is-a-vacation-home-right-for-you]]>
        </link>
        <description>
            <![CDATA[<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/AdobeStock_70558673.jpeg" width="650" height="439" alt=""></p>
<p><span style="color: #003366;"><em>There's something undeniably appealing about the idea of a second home. Whether it's a lakeside retreat, a cozy mountain cabin, or a sunny coastal condo, a vacation home can offer a peaceful escape from the everyday. But before you get swept up in the dream, it's important to consider the practical side, too. Here are some things to consider.</em></span></p>
<hr>
<h3 data-start="356" data-end="391">The Perks of a Vacation Home</h3>
<ul data-start="392" data-end="740">
<li data-start="392" data-end="483">
<p data-start="394" data-end="483"><strong data-start="394" data-end="414">Built-in getaway</strong>: Always have a place to relax, recharge, or host family and friends.</p>
</li>
<li data-start="484" data-end="567">
<p data-start="486" data-end="567"><strong data-start="486" data-end="506">Rental potential</strong>: Offset costs by renting your home when you're not using it.</p>
</li>
<li data-start="568" data-end="652">
<p data-start="570" data-end="652"><strong data-start="570" data-end="594">Long-term investment</strong>: Real estate in desirable areas can appreciate over time.</p>
</li>
<li data-start="653" data-end="740">
<p data-start="655" data-end="740"><strong data-start="655" data-end="674">Personalization</strong>: Skip the hotel vibe—decorate and use the space however you like.</p>
</li>
</ul>
<hr>
<h3 data-start="742" data-end="774">But First, the Trade-Offs</h3>
<ul data-start="775" data-end="1167">
<li data-start="775" data-end="882">
<p data-start="777" data-end="882"><strong data-start="777" data-end="806">Upfront and ongoing costs</strong>: Down payments, maintenance, insurance, and property management can add up.</p>
</li>
<li data-start="883" data-end="980">
<p data-start="885" data-end="980"><strong data-start="885" data-end="904">Time commitment</strong>: Managing a second property (especially from afar) takes time and planning.</p>
</li>
<li data-start="981" data-end="1058">
<p data-start="983" data-end="1058"><strong data-start="983" data-end="1000">Market shifts</strong>: Vacation home markets can be seasonal and more volatile.</p>
</li>
<li data-start="1059" data-end="1167">
<p data-start="1061" data-end="1167"><strong data-start="1061" data-end="1084">Limited flexibility</strong>: If you buy in one spot, you may feel obligated to vacation there year after year.</p>
</li>
</ul>
<hr>
<h3 data-start="1169" data-end="1202">Financial Factors to Weigh</h3>
<ul data-start="1203" data-end="1521">
<li data-start="1203" data-end="1295">
<p data-start="1205" data-end="1295"><strong data-start="1205" data-end="1242">Can you afford it without strain?</strong> Consider both the purchase price and monthly upkeep.</p>
</li>
<li data-start="1296" data-end="1411">
<p data-start="1298" data-end="1411"><strong data-start="1298" data-end="1323">Will you rent it out?</strong> Be realistic about occupancy rates, local laws, and how often you'll use it personally.</p>
</li>
<li data-start="1412" data-end="1521">
<p data-start="1414" data-end="1521"><strong data-start="1414" data-end="1434">Tax implications</strong>: Talk to a tax pro about potential deductions, capital gains, and rental income taxes.</p>
</li>
</ul>
<hr>
<h3 data-start="1523" data-end="1555">Questions to Ask Yourself</h3>
<ul data-start="1556" data-end="1775">
<li data-start="1556" data-end="1600">
<p data-start="1558" data-end="1600">Do I love the area enough to return often?</p>
</li>
<li data-start="1601" data-end="1660">
<p data-start="1603" data-end="1660">How much time will I realistically spend there each year?</p>
</li>
<li data-start="1661" data-end="1727">
<p data-start="1663" data-end="1727">Am I ready for the responsibility of managing a second property?</p>
</li>
<li data-start="1728" data-end="1775">
<p data-start="1730" data-end="1775">Will this enhance my lifestyle or add stress?</p>
</li>
</ul>
<hr>
<h3 data-start="1777" data-end="1816">A Few Tips If You Decide to Buy</h3>
<ul data-start="1817" data-end="2231">
<li data-start="1817" data-end="1910">
<p data-start="1819" data-end="1910"><strong data-start="1819" data-end="1848">Choose location carefully</strong>: Consider travel time, amenities, weather, and market trends.</p>
</li>
<li data-start="1911" data-end="2043">
<p data-start="1913" data-end="2043"><strong data-start="1913" data-end="1953">Work with a local real estate expert</strong>: They'll know zoning rules, rental regulations, and where to find the best opportunities.</p>
</li>
<li data-start="2044" data-end="2145">
<p data-start="2046" data-end="2145"><strong data-start="2046" data-end="2073">Plan for the off-season</strong>: Whether renting or vacationing, know how the area performs year-round.</p>
</li>
<li data-start="2146" data-end="2231">
<p data-start="2148" data-end="2231"><strong data-start="2148" data-end="2167">Think long term</strong>: Will this home suit your future lifestyle or retirement plans?</p>
</li>
</ul>
<p></p>
<hr>
<p>A vacation home can absolutely be worth it—both financially and emotionally—if you've done your homework. For some, it's the realization of a lifelong dream. For others, it's a stepping stone to a more flexible lifestyle or even a side income stream. The key is to align your purchase with your goals, your budget, and your long-term plans.</p>]]>
        </description>
        <pubDate>
            <![CDATA[Thu, 17 Jul 2025 13:13:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/07/03/is-a-vacation-home-right-for-you]]>
        </guid>
                    <category>
                <![CDATA[Buying A Home]]>
            </category>
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        <item>
        <title>
            <![CDATA[June Market Report]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/07/15/june-market-report-2]]>
        </link>
        <description>
            <![CDATA[<h3><span><span style="line-height: 9pt;"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/2025_Market_Report.png" width="356" height="255" alt="" style="display: block; margin-left: auto; margin-right: auto;"></span><em><span style="line-height: 9pt;"><br></span></em></span></h3>
<h6><span><em>From Our Friends At<a href="https://www.boirealtors.com/june-2025-market-report/"> Boise Regional REALTORS<sup>®</sup></a></em></span></h6>
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<h3><strong>ADA COUNTY</strong></h3>
<p><strong>MEDIAN SALES PRICE —</strong></p>
<ul>
<li>There is currently almost a 10% gap between the median prices of new and resale homes.</li>
<li>Lot size, square footage, and locations of new homes remained similar month-over-month despite an 8.5% price increase.</li>
<li>Median price variations within age categories were significant. Several resale age brackets saw price increases in July while the overall category saw a decrease</li>
</ul>
<p><strong>HOMES SOLD —</strong></p>
<ul>
<li>This is the 5th straight month sales have increased in Ada.</li>
<li>Resale homes saw an overall increase in sales of 5.7% while new constructions saw a decrease of 5.2%, making 70% of total sales resale homes.</li>
<li>Homes in the 1-5 and 6-10-year age categories saw the largest changes, seeing increases of 56.4% and 32% respectively. 11–20-year-old homes saw the largest decrease at 12.2% compared to the previous month.</li>
</ul>
<p><strong>PENDING SALES —</strong></p>
<ul>
<li>This is the 2nd month that a slight decline in pending sales has been observed in Ada.</li>
<li>Existing homes saw a sharper decrease in pending sales of 2.8% compared to new homes. This decrease in pending sales is directionally the opposite of changes in overall sales in June, where resale home volume increased.</li>
<li>35% of pending sales in June were new homes not set to close until August 2025 or later.</li>
</ul>
<p><strong>INVENTORY —</strong></p>
<ul>
<li>There were 23% more resale homes than new homes in inventory in June. This trend has been consistent since April 2025.</li>
<li>In Meridian, Eagle, and Boise there are proportionately more new homes in inventory than the proportion seen in overall sales in June. This implies that buyers are searching for resale homes in these areas and new homes may be remaining in inventory month over month.</li>
</ul>
<p><strong>DAYS ON MARKET —</strong></p>
<ul>
<li>Days on the market remained at similar levels observed in May (down 1 day on average).</li>
<li>Days on market continue to be lower in cities where resale homes make up most sales.</li>
<li>New Homes, homes <1 year old, and 11–20-year-old had by far the highest DOMs during June, all at least 12 days higher than next highest category.</li>
</ul>
<hr></div>
</div>
<div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey"><span style="color: #002169;"><strong>"With five straight months of rising home sales and price stability overall, Ada County's market continues to show resilience. A REALTOR® can help you interpret the trends (like the growing demand for certain resale age ranges) and ensure every move is a smart one." <em>~Elizabeth Hume, Boise Regional REALTORS® 2025 President</em></strong></span></div>
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<h3><strong>CANYON COUNTY</strong></h3>
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<ul>
<li class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey">June is the 2nd month the median price has increased.</li>
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<li class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey">New home square footage increased by 5% in June which may be another contributing factor to the slight median sales price increase that occurred this month.</li>
</ul>
<p><strong>HOMES SOLD —</strong></p>
<ul>
<li>The number of homes sold increased by 4.3% in June.</li>
<li>There was a 27% increase in homes sold in Middleton from May to June. These homes were split evenly between new and resale homes.</li>
<li>Younger resale homes saw significant increases in sales in June as well as a segment of new homes that were sold but yet to be built.</li>
</ul>
<p><strong>PENDING SALES —</strong></p>
<ul>
<li>Half of homes currently pending sale will close later than July 2025.</li>
<li>There is a sizeable (40% of June pending sales) segment of homes under construction that are pending sale. Around half of these homes are in Nampa and have an average price point of $550,000. This segment of homes is 30% higher than the overall number of new homes sold in June.</li>
</ul>
<p><strong>INVENTORY —</strong></p>
<ul>
<li>Inventory increased for the 6th month in a row in June.</li>
<li>Homes currently in inventory tend to be more expensive than the homes sold in June. Specifically, the volume of homes priced under $400K comprises a much smaller proportion of inventory when compared to the proportion of homes sold in June.</li>
<li>Homes in inventory priced over $650 have been on the market for an average of 80 days.</li>
</ul>
<p><strong>DAYS ON MARKET —</strong></p>
<ul>
<li>Days on Market dropped by 2 days on average in June.</li>
<li>37% of homes sold in June were priced 400K and under, these homes had the lowest average days on market out of all price segments. This signals a high buyer demand for homes at these prices.</li>
<li>Homes priced from 401-550K had the longest days on market in June at around 52 days on average. 35% of all homes sold in June fell into these price buckets.</li>
</ul>
<hr>
<p><span style="color: #002169;"><strong>"Canyon County posted another month of price gains and increased sales, especially in communities like Middleton and Nampa. As buyer interest shifts toward more affordable options, a REALTOR® can help you compete effectively and understand where the opportunities are."<em> ~Elizabeth Hume, Boise Regional REALTORS® 2025 President</em></strong></span></p>
<hr></div>
</div>
<p>To view the Treasure Valley homes currently for sale, <a href="https://www.cbboise.com/results/?autocomplete=off&aid=&oid=&aname=&aimg=&chome=&odoor=&agent_hasfeat=&viewtype=responsive&newsearch=1&newsearchresults=1&page=0&saved_search=0&sort_by=1&condition=or&keySession=&searchBoundaries=&status_types%5B%5D=sale&property_category%5B%5D=residential&property_type%5Bresidential%5D%5B%5D=single&property_type%5Bresidential%5D%5B%5D=townhouse&property_type%5Bresidential%5D%5B%5D=condo&property_type%5Bresidential%5D%5B%5D=mobile&property_type%5Bresidential%5D%5B%5D=prefab&pricemin=&pricemax=&bedmore=1&bedrooms=&bath_thre=1&bath_full=&sqfoot_low=&sqfoot_high=&acres=&acres_h=&yb_l=&yb_h=&taxmin=&taxmax=&garages=&garages_alt=1&stories=&fireplaces=&pool=&allowpets=&home_type=&reducedpricedays=&pastdays=0&foreclosure=&shortsale=&pagenum=1" target="_blank" rel="noopener">CLICK HERE</a></p>
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        </description>
        <pubDate>
            <![CDATA[Tue, 15 Jul 2025 14:19:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/07/15/june-market-report-2]]>
        </guid>
                    <category>
                <![CDATA[News]]>
            </category>
                                <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/075900465/2025_Market_Report.png]]></overviewPhoto>    </item>
        <item>
        <title>
            <![CDATA[Summer at the Market: Recipes Inspired by the Garden]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/07/03/summer-at-the-market-recipes-inspired-by-the-garden]]>
        </link>
        <description>
            <![CDATA[<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/AdobeStock_359547605.jpeg" width="650" height="433" alt=""></p>
<p><span style="color: #003366;"><em>Growing up, we always had a garden—and my grandparents planted enough to feed the whole neighborhood. In the summer, most of our dinners revolved around whatever the garden gave us. I remember plates full of corn on the cob, pickled beets, fresh green beans and peas, and big, juicy tomatoes still warm from the sun.</em></span></p>
<p data-start="681" data-end="966"><span style="color: #003366;"><em>These recipes are a few of the ones I remember my mom or grandma making, using whatever was fresh and ready to eat. You don't need a backyard garden to enjoy them—just stop by your local farmer's market and you'll be inspired by the colors, flavors, and abundance summer always brings.</em></span></p>
<p>by Kristina Case</p>
<hr>
<h3><strong>Summer Salad</strong></h3>
<p><em>Tomatoes and fresh cucumbers are the stars of this salad-—perfect alongside just about any summer meal. A delicious way to enjoy what's in season.</em></p>
<p>4 to 5 large tomatoes, cut into chunks (about 4 cups)<br>1 large Armenian cucumber or 4 Persian cucumbers (they have less seeds than regular cucumbers), skin-on, cut into chunks roughly the same size as the tomatoes (about 4 cups)<br>¼ red or yellow onion, thinly sliced (if it is very strong, rinse the onion with water)<br>1 red or yellow pepper, diced<br>2 tablespoons chopped dill<br>2 tablespoons red wine vinegar <br>2 tablespoons olive oil <br>1 teaspoon kosher salt<br>A pinch of ground black pepper</p>
<p>In a large bowl, mix together the tomatoes, cucumbers, onion, pepper and dill. Drizzle the vinegar and oil over the salad and season with salt and pepper. Mix everything together thoroughly. Taste, adding more salt, pepper, or vinegar if needed. The salad keeps for a couple of days in the refrigerator.</p>
<hr>
<h3><strong>Mixed Berry Cobbler</strong></h3>
<p><em>Bursting with plump, juicy berries, this cobbler is the ultimate summer treat—especially with a scoop of vanilla ice cream on top.</em></p>
<p>3 cups raspberries and blackberries<br>1 pound strawberries, washed, hulled, and sliced</p>
<p><strong>Filling</strong><br>¾ cup sugar <br>¼ teaspoon cinnamon<br>1 teaspoon lemon zest<br>1 tablespoon lemon juice<br>2 tablespoons corn starch<br>¼ teaspoon kosher salt</p>
<p><strong style="font-style: inherit;">Biscuit Topping</strong><br>1¾ cups all-purpose flour<br>1¾ teaspoons baking powder<br>¼ cup sugar<br>½ teaspoon kosher salt<br>6 tablespoons cold unsalted butter<br>1 cup heavy cream, plus more for brushing<br>Sugar for sprinkling</p>
<p>Preheat the oven to 375°F. Mix together the fruit and all filling ingredients, and pour into a 9-by-9-inch baking dish. Set aside until the biscuit topping is ready.</p>
<p>To make the topping, whisk together the flour, baking powder, sugar, and salt. Work in the butter until the largest pieces are the size of small peas. Add a little of the cream at a time and use a spatula or your hands to incorporate, stirring just until the cream is absorbed.</p>
<p>Turn the dough out onto a clean surface and pat into a rectangle about 1¼ inch thick, or separate into 9 disks (or use a biscuit cutter to cut dough), and place on top of the filling. Brush with cream and sprinkle with sugar.</p>
<p>Bake the cobbler until the fruit is bubbling in the center and the biscuit topping is golden brown and cooked through, about 1 hour. Let stand at least 30 minutes before serving with vanilla ice cream.</p>
<p><em>*Recipe from foodwise.org</em></p>
<hr>
<h3><strong>Green Beans with Bacon and Garlic</strong></h3>
<p><em>This dish is deceptively simple, but the crisp-tender green beans and savory crunch of bacon come together for a side that's always a crowd-pleaser.</em></p>
<p>6 slices bacon, diced <br>1 lb green beans, ends trimmed <br>2 cloves garlic, minced <br>1 teaspoon black pepper <br>Kosher salt, to taste</p>
<p>Heat a skillet over medium high heat. Add bacon and cook until crisp, 6-7 minutes. Remove bacon using a slotted spoon and set aside. Pour all but 2 tablespoon bacon from the pan.</p>
<p>Rinse the trimmed green beans in a colander. Shake to release most of the moisture, but don't dry completely.</p>
<p>Return the pan to medium high heat; wait about 30 seconds for the bacon grease to heat up again. Add the green beans and toss to coat in the fat. Cover and saute the green beans, stirring occasionally, until charred and just about bite tender, about 6 minutes.</p>
<p>Add garlic and saute, stirring frequently, for 1 minute. Return the bacon to the skillet and saute, stirring frequently, for a further minute.</p>
<p>Remove from heat. Add the black pepper and toss. Taste for seasoning and add salt if needed.</p>
<p><em>Note: My mom would sometimes add a spoonful of sour cream and mix in right before we ate it. It's delicious.</em></p>]]>
        </description>
        <pubDate>
            <![CDATA[Fri, 11 Jul 2025 10:00:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/07/03/summer-at-the-market-recipes-inspired-by-the-garden]]>
        </guid>
                    <category>
                <![CDATA[Food]]>
            </category>
                                <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/075900465/AdobeStock_359547605.jpeg]]></overviewPhoto>    </item>
        <item>
        <title>
            <![CDATA[Budget-Friendly Water Features to Spruce Up Your Outdoor Space]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/07/03/budget-friendly-water-features-to-spruce-up-your-outdoor-space]]>
        </link>
        <description>
            <![CDATA[<p><span><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/AdobeStock_464544263.jpeg" width="650" height="433" alt=""></span></p>
<p><span style="color: #003366;"><em>If you're looking for a good way to add personality to your patio, balcony or garden, a water feature may be the solution for you. With a little creativity and the right design, you can transform your outdoor space into a peaceful retreat – without draining your wallet.</em></span></p>
<h3><strong>DIY Container Fountains</strong></h3>
<p>These are incredibly easy to assemble, are customizable and can deliver a big impact. All you need is a large ceramic pot, a small pump and decorative stones or foliage. You could opt for a solar-powered pump for even more savings and make it a one-of-a-kind showstopper with colored pebbles, LED lights or a cascading tier.</p>
<h3><strong>Birdbaths With a Twist</strong></h3>
<p>Classic birdbaths are always nice, but you can upgrade the look by incorporating a mini bubbler or a floating solar<span> </span><a href="https://www.homedepot.com/b/Outdoors-Pet-Supplies-Wildlife-Bird-Wildlife-Supplies-Bird-Baths-Bird-Bath-Fountains/N-5yc1vZcl2n">fountain</a>. Not only will feathered visitors love to take a dip, but the gentle movement of the water helps prevent mosquitoes from settling in. Plant a ring of bright flowers or lay assorted rocks around the base for a natural, inviting vibe.</p>
<h3><strong>Repurposed Features</strong></h3>
<p>Think outside the box – or inside the barrel – with an old watering can, whiskey cask or vintage teapot as your inspiration. With a bit of ingenuity and a low-cost pump, discarded items become artistic centerpieces. These quirky creations also serve as great conversation starters and give your garden an eclectic aura.</p>
<h3><strong>Miniature Pond Kits</strong></h3>
<p>Pre-formed pond or flexible liners are available at popular home improvement stores and are relatively inexpensive. With some stones and aquatic greenery, you'll have a delightful<span> </span><a href="https://www.walmart.com/c/kp/patio-pond-kits">pond</a><span> </span>that fits most any backyard. Bonus: Floating solar lights or lily pads will take your pond from simple to stunning. You could include small fish to bring even more life to your little water world.</p>
<h3><strong>Wall-Mounted Waterfalls</strong></h3>
<p>No yard? No problem! Wall-mounted fountains can hang on fences, exterior walls or balcony railings. The soothing trickle creates a relaxing soundscape, perfect for masking street noise or adding a touch of Zen. They're sleek, space-saving and come in a variety of materials and designs – many under $100. Look for kits with self-contained systems to keep installation easy.</p>
<h3><strong>Tabletop Tranquility</strong></h3>
<p>Ideal for apartment balconies or porches,<span> </span><a href="https://www.lowes.com/pl/garden-decor/outdoor-fountains/tabletop-fountain/4294512256-657815111">tabletop</a><span> </span>features are compact and portable. You can find a wide range of styles – from rustic stone to modern minimalist – at home décor stores or online. Some also double as planters or candle holders for extra ambiance. Try placing one near a reading nook or outdoor dining area to enhance the mood with a serene, spa-like feel.</p>
<p>An eye-catching aquatic element doesn't have to be elaborate or expensive to make a big splash. Whether you go the DIY route or pick up a pre-made piece, you can take your outdoor design to the next level while evoking a sense of calm and charm that's always in style.</p>
<p></p>
<p><a href="https://blog.coldwellbanker.com/budget-friendly-water-features-to-spruce-up-your-outdoor-space/">by Carma Stahnke</a></p>]]>
        </description>
        <pubDate>
            <![CDATA[Mon, 07 Jul 2025 12:48:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/07/03/budget-friendly-water-features-to-spruce-up-your-outdoor-space]]>
        </guid>
                    <category>
                <![CDATA[Home Improvement]]>
            </category>
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        <item>
        <title>
            <![CDATA[Planning For Your Home Purchase]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/06/30/planning-for-your-home-purchase]]>
        </link>
        <description>
            <![CDATA[<p></p>
<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogHeader-1120x630_2025.png" width="549" height="309" alt="" style="display: block; margin-left: auto; margin-right: auto;"></p>
<p>Before you buy a home, it's essential to understand how much debt is reasonable for you and what upfront costs you'll face during the purchase process. From the down payment to closing costs, having a clear picture of your financial situation will help you avoid unpleasant surprises and ensure you're making a sound investment.</p>
<p><strong>The Debt-to-Income Ratio</strong></p>
<p>When you apply for a mortgage, lenders will closely examine your finances to determine how much you can realistically afford to spend on a home. One of the key measures they use is your "debt-to-income ratio" (DTI), which compares your pre-tax income to your housing costs and other monthly debt payments. This ratio helps lenders gauge your ability to manage monthly mortgage payments responsibly.</p>
<p><em>How the Debt-to-Income Ratio Works</em></p>
<p>Your DTI is calculated by dividing your total monthly debt payments by your gross (pre-tax) monthly income. For example, if your monthly debts - including housing, credit card payments, and car loans - total $2,000 and your gross income is $5,000, your DTI would be 40%.</p>
<p>Most lenders prefer that your total monthly debts, including your estimated mortgage payment, don't exceed 36% of your gross income. However, this percentage can vary based on your financial situation. If you can make a larger down payment (20% or more) and have little additional debt, some lenders might be willing to accept a higher DTI - sometimes up to 43% or even 50% for certain loan programs.</p>
<p><em>Don't Let the Ratio Fool You</em></p>
<p>Just because a lender approves you for a particular loan amount doesn't mean you can comfortably afford it. You may have heard the term "house poor" before - meaning you own a home but have little money left for anything else because your mortgage and related costs consume most of your income. The DTI ratio only accounts for debts and doesn't consider other significant expenses, such as health insurance, groceries, childcare, transportation, or personal spending habits.</p>
<p>That's why taking a step back and assessing your entire financial picture is essential. Consider consulting with a financial professional who can help you analyze your overall budget and ensure that your home purchase aligns with your long-term financial goals. Remember, the goal is to find a home that enhances your life, not restricts your ability to enjoy it.</p>
<p><strong>Saving for a Home Purchase: More Than Just the Down Payment</strong></p>
<p>When buying a home, there are several upfront costs to consider beyond just the mortgage. These expenses can add up quickly, so it's important to plan ahead and understand what you'll need to save. Here's a breakdown of some common costs you'll encounter:</p>
<p><em>The Down Payment</em></p>
<p>This is likely your largest upfront expense, and it's the amount you pay directly toward the cost of your home. Most down payments range from 5% to 20% of the home's purchase price, but the percentage you need can vary based on your lender and loan type.</p>
<p>For example, if you're purchasing a $300,000 home, a 5% down payment would be $15,000, while a 20% down payment would be $60,000. If you can manage a 20% down payment, you'll avoid the cost of private mortgage insurance (PMI) - a policy that protects the lender if you default on the loan but doesn't benefit you directly. Avoiding PMI can save you hundreds, if not thousands, of dollars per year, making it worth the effort to save up if you can.</p>
<p><em>Closing Costs</em></p>
<p>Closing costs can total between 2% and 5% of the home's price and include expenses like:</p>
<ul>
<li>Loan origination fees (the cost of processing your mortgage application).</li>
<li>Legal fees for handling contracts and paperwork.</li>
<li>Inspection, appraisal, and title search fees to ensure the property is in good condition and has a clear title.</li>
<li>Escrow deposits for taxes and insurance.</li>
<li>Title insurance fees to protect against any issues with the property's ownership history.</li>
</ul>
<p>While these costs can seem overwhelming, some can be rolled into your mortgage or negotiated with the seller. For instance, you might ask the seller to cover some of your closing costs as part of the negotiation process, especially in a buyer's market.</p>
<p><em>Cash Reserves</em></p>
<p>In addition to the down payment and closing costs, many lenders require that you have cash reserves equal to at least two months' worth of principal, interest, taxes, and insurance (PITI) payments. This money shows lenders that you have a financial cushion and can continue making mortgage payments in case of an emergency.</p>
<p><em>Moving and Utility Costs</em></p>
<p>Don't forget about the cost of actually moving into your new home. Whether you're hiring professional movers or renting a truck, moving expenses can add up. You may also need to pay deposits for utilities like electricity, water, and gas, especially if setting up service for the first time.</p>
<p><em>Home Maintenance and Repairs</em></p>
<p>Although you might be focused on getting the keys to your new home, thinking about future expenses is crucial. Every homeowner should budget for ongoing maintenance, repairs, and potential upgrades. A good rule of thumb is to set aside 1% to 3% of your home's value each year for maintenance costs. For a $300,000 home, this means saving $3,000 to $9,000 annually.</p>
<p><strong>How Much Should You Save Before Buying a Home?</strong></p>
<p>To estimate how much you'll need, start by determining how much home you can afford. A common rule of thumb is that your home should cost between two and three times your annual income. For example, if you earn $80,000 per year, you might look for a home priced between $160,000 and $240,000. Keep in mind that this is just a starting point - many factors, such as your debt, location, and lifestyle, will affect how much you can truly afford.</p>
<p>When planning your savings goal, aim to have enough for your down payment, closing costs, moving expenses, and an emergency fund. It's always better to have a little extra than to find yourself strapped for cash after making such a significant purchase.</p>
<p><strong>The Takeaway</strong></p>
<p>Buying a home is a significant financial commitment, and understanding both the upfront costs and long-term responsibilities is key to making an intelligent investment. Take the time to evaluate your financial situation, seek professional guidance if needed, and set realistic goals that align with your lifestyle and future plans. With the right preparation, you'll be ready to make your dream of homeownership a reality.</p>
<p><a href="https://www.iccu.com/coldwell-banker-tomlinson-mortgage-loan-officers"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogFooter-1120x450_2025.png" width="744" height="268" alt="" style="display: block; margin-left: auto; margin-right: auto;"></a></p>
<p> </p>]]>
        </description>
        <pubDate>
            <![CDATA[Tue, 01 Jul 2025 12:29:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/06/30/planning-for-your-home-purchase]]>
        </guid>
                    <category>
                <![CDATA[Buying A Home]]>
            </category>
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        <item>
        <title>
            <![CDATA[Grilled Street Corn Salad]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/06/03/grilled-street-corn-salad]]>
        </link>
        <description>
            <![CDATA[<p><strong><img src="http://mschroeder.cbboise.com/shared/fs/0759/company/AdobeStock_1140039394.jpeg" width="1000" height="753" alt=""></strong></p>
<p><strong></strong></p>
<p><strong>Grilled Street Corn Salad </strong></p>
<p>June is the season for sun, smoky grills, and fresh produce—and nothing captures all three quite like this zesty street corn salad. Inspired by Mexican street corn (elote), this version is served off the cob and perfect for summer entertaining.</p>
<ul>
<li>4 ears of fresh corn, husked</li>
<li>Olive oil</li>
<li>1/4 cup mayonnaise</li>
<li>1/4 cup sour cream or Mexican crema</li>
<li>1/4 cup crumbled Cotija cheese </li>
<li>4 scallions, sliced</li>
<li>Juice of 1 lime</li>
<li>1 clove garlic</li>
<li>1/4 cup chopped fresh cilantro</li>
<li>1/4 tsp smoked paprika</li>
<li>1/2 tsp chili powder</li>
<li>Salt and pepper to taste</li>
<li>1 jalapeño pepper, diced</li>
</ul>
<p></p>
<p>Brush ears of corn with olive oil. Grill the corn over medium-high heat until slightly charred on all sides (about 10–12 minutes). Let cool slightly, then cut the kernels off the cob.</p>
<p>In a large bowl, mix the mayonnaise, sour cream, scallions, lime juice, garlic, spices and jalapeño.</p>
<p>Add the grilled corn, Cotija and cilantro. Stir until coated and well combined, season to taste with salt and pepper.</p>
<p>Serve warm or chilled, topped with extra cheese, cilantro, and a lime wedge.</p>
<p> </p>]]>
        </description>
        <pubDate>
            <![CDATA[Fri, 20 Jun 2025 10:00:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/06/03/grilled-street-corn-salad]]>
        </guid>
                    <category>
                <![CDATA[Food]]>
            </category>
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        <item>
        <title>
            <![CDATA[May Market Report]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/06/16/may-market-report-2]]>
        </link>
        <description>
            <![CDATA[<h3><span><span style="line-height: 9pt;"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/2025_Market_Report.png" width="356" height="255" alt="" style="display: block; margin-left: auto; margin-right: auto;"></span><em><span style="line-height: 9pt;"><br></span></em></span></h3>
<h6><span><em>From Our Friends At<a href="https://www.boirealtors.com/may-2025-market-report/"> Boise Regional REALTORS<sup>®</sup></a></em></span></h6>
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<h3><strong>ADA COUNTY</strong></h3>
<p><strong>MEDIAN SALES PRICE —</strong></p>
<ul>
<li>Ada's Median Sales Price increased by 6.2% in May and is currently at its highest value since August 2022. This increase can be attributed to resale homes sold in May, particularly resale homes aged 1-10 years.</li>
<li>In May there were 22% more homes sold that were purchased with cash as opposed to April. 16% of May's Eagle sales were purchased with cash as opposed to April. 16% of May's Eagle sales were purchase in cash, compared to 11% of the homes sold in April.</li>
</ul>
<p><strong>HOMES SOLD —</strong></p>
<ul>
<li>Homes sold increased for the fourth month in a row and was 12.5% higher than the number sold in April.</li>
<li>The increase in homes sold seen in May was caused by resale home sales that were over 20% higher than in April. Growth in homes sold was seen across all resale home ages but were most significant for homes 20+ years old which grew by an average of 30% in May.</li>
<li>Home sales increased in all Ada cities except Star in May.</li>
</ul>
<p><strong>PENDING SALES —</strong></p>
<ul>
<li>Pending Sales decreased slightly (down 2.9%) in May but still sit 11.1% higher than they did at this point last year.</li>
<li>Pending homes in Ada County are currently evenly split between new and resale homes, but this differs at the city level. Specifically, Boise and Garden City had far more new homes pending than resale homes at the end of May.</li>
<li>Only 56% of homes currently pending are scheduled to close in June 2025.</li>
</ul>
<p><strong>INVENTORY —</strong></p>
<ul>
<li>Inventory increased for the fourth month in a row, growing 12.2% in May from April.</li>
<li>Currently, 55% of homes in inventory are resale homes. While growth in resale home sales was seen in May despite price increases, the resale homes in inventory have been on the market over 40 days on average. This may be due to their price being significantly over the median for similar homes sold in May.</li>
</ul>
<p><strong>DAYS ON MARKET —</strong></p>
<ul>
<li>The lowest average days on market were seen for resale homes 20+ years old. These homes were on the market under 20 days on average. This shows a continued buyer demand for older resale homes despite higher prices.</li>
<li>Average days on market remains above 30 days in Ada County due to higher days on market in Eagle, Kuna, and Meridian as opposed to Boise where homes were on the market for an average of 21 days in May.</li>
</ul>
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</div>
<div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey"><span style="color: #002169;"><strong>"With home sales and prices on the rise, especially for older resale homes, Ada County continues to attract serious buyers. A REALTOR® can help you navigate these fast-moving opportunities with expert guidance. " <em>~Elizabeth Hume, Boise Regional REALTORS® 2025 President</em></strong></span></div>
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<h3><strong>CANYON COUNTY</strong></h3>
</div>
<div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey"><strong>MEDIAN SALES PRICE —</strong></div>
<ul>
<li class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey">Median sales price for resale homes rose in May due to a set of homes sold in Middleton priced over $100K higher than homes sold in the same area last month. Both sets of homes were similar ages, but the ones sold in May were 600 square feet larger on average, which may contribute to the discrepancy.</li>
<li class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey">The median sales price for new homes increased slightly in May but wasn't a key driver to the overall increase.</li>
</ul>
<p><strong>HOMES SOLD —</strong></p>
<ul>
<li>The number of homes sold declined for the first time in four months in May, decreasing by 6.3%.</li>
<li>Decline in resale homes sold was seen for both newer (<20 years) and older (20+ years) homes in May. Geographically, Caldwell saw the sharpest decline in the number of homes sold which decreased overall by 16% from April to May. </li>
<li>Resale homes continue to outnumber new homes sold.</li>
</ul>
<p><strong>PENDING SALES —</strong></p>
<ul>
<li>59% of homes currently pending are new homes, this is consistent with proportions observed in April. Of these new homes pending sale, over half (61%) are currently under construction and appeared in pending sales last month. </li>
<li>Across all age bands, resale homes pending sale have already seen a price reduction from the original price associated with the listing.</li>
</ul>
<p><strong>INVENTORY —</strong></p>
<ul>
<li>Homes in inventory have been on the market 70 days on average, meaning a fair proportion of these homes are remaining in inventory month over month. These homes are priced $200K on average more than the median sales price of homes sold in Canyon in May.</li>
<li>Resale homes added to inventory in May are located primarily in Caldwell and Nampa. These homes tend to be older resale homes (20+ years old).</li>
</ul>
<p><strong>DAYS ON MARKET —</strong></p>
<ul>
<li>Homes priced under $300K were on the market for an average of 25 days across the region in May, opposed to those priced $301-500K which averaged 43 days on market.</li>
<li>There is evidence of more expensive homes (>$700K) being taken off market and relisted shortly after so days on market for these homes may appear lower than the length of time the homes have been available.</li>
</ul>
<hr>
<p><span style="color: #002169;"><strong>"Sales dipped slightly in May, but rising prices and strong interest in larger resale homes show demand remains solid. A REALTOR® can help you understand shifting conditions and move forward with clarity."<em> ~Elizabeth Hume, Boise Regional REALTORS® 2025 President</em></strong></span></p>
<hr></div>
</div>
<p>To view the Treasure Valley homes currently for sale, <a href="https://www.cbboise.com/results/?autocomplete=off&aid=&oid=&aname=&aimg=&chome=&odoor=&agent_hasfeat=&viewtype=responsive&newsearch=1&newsearchresults=1&page=0&saved_search=0&sort_by=1&condition=or&keySession=&searchBoundaries=&status_types%5B%5D=sale&property_category%5B%5D=residential&property_type%5Bresidential%5D%5B%5D=single&property_type%5Bresidential%5D%5B%5D=townhouse&property_type%5Bresidential%5D%5B%5D=condo&property_type%5Bresidential%5D%5B%5D=mobile&property_type%5Bresidential%5D%5B%5D=prefab&pricemin=&pricemax=&bedmore=1&bedrooms=&bath_thre=1&bath_full=&sqfoot_low=&sqfoot_high=&acres=&acres_h=&yb_l=&yb_h=&taxmin=&taxmax=&garages=&garages_alt=1&stories=&fireplaces=&pool=&allowpets=&home_type=&reducedpricedays=&pastdays=0&foreclosure=&shortsale=&pagenum=1" target="_blank" rel="noopener">CLICK HERE</a></p>
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        </description>
        <pubDate>
            <![CDATA[Mon, 16 Jun 2025 10:27:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/06/16/may-market-report-2]]>
        </guid>
                    <category>
                <![CDATA[News]]>
            </category>
                                <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/075900465/2025_Market_Report.png]]></overviewPhoto>    </item>
        <item>
        <title>
            <![CDATA[Kitchen Design Trends: Create a Welcoming, Functional Space]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/06/03/kitchen-design-trends-create-a-welcoming-functional-space]]>
        </link>
        <description>
            <![CDATA[<p><span style="background-color: #ffffff; color: #003366;"><em><img src="http://mschroeder.cbboise.com/shared/fs/0759/company/AdobeStock_1126263314.jpeg" width="1000" height="560" alt=""></em></span></p>
<p><span style="background-color: #ffffff; color: #003366;"><em>As the saying goes, the kitchen is the heart of the home – where meals are made and memories are shared. It's also a space where even small improvements can make a big impact. Whether you're planning a complete overhaul or a few strategic updates, today's trends offer many exciting possibilities.</em></span></p>
<h3><strong>Curved and Organic Shapes</strong></h3>
<p>Inspired by Italian design, this style moves away from rigid, angular lines to create a more fluid and harmonious vibe. Curved countertops and rounded cabinetry bring a welcoming, sculptural quality to the room. If you'd like an easier fix, you could incorporate subtle trim detail, spherically shaped light fixtures or a dining table that has soft edges and upholstered seats.</p>
<h3><strong>Sustainable and Natural Materials</strong></h3>
<p><a href="https://www.homesandgardens.com/kitchens/sustainable-kitchen-ideas">Eco-conscious choices</a><span> </span>remain at the forefront of modern décor and can be integrated into most any home. Terracotta, recycled glass and sustainably sourced wood are not only environmentally friendly, but they also enhance the ambience with rich textures and earthy shades, whether in flooring, cabinetry or countertops.</p>
<h3><strong>Bold Color Schemes</strong></h3>
<p>Neutral tones are now taking a backseat to bold hues. Deep greens, navy blues and even dark gray and black add drama and originality, especially when complemented by contrasting backsplashes and vibrant accent pieces. Smaller changes such as colorful dishware or patterned window treatments can significantly spice up your kitchen's look and feel.</p>
<h3><strong>Multifunctional Islands</strong></h3>
<p><a href="https://www.architecturaldigest.com/gallery/kitchen-islands-slideshow">Kitchen islands</a><span> </span>are evolving into multifunctional hubs. Incorporating built-in sinks, wine coolers, extra seating and more, these pieces serve as prep areas, dining spots and storage solutions, maximizing both space and utility. Non-traditionally shaped islands are coming on the scene as well, garnering visual interest with oblong or rounded surfaces – a possible solution for awkward floor plans.</p>
<h3><strong>Paneled Cabinetry</strong></h3>
<p>If you're wishing to inject some depth and character, paneled cabinetry could be the answer. This design introduces texture in a subtle way, offering a sophisticated alternative to flat-front or Shaker styles. Clear or frosted glass panels can make smaller kitchens feel less crowded and would be ideal for showcasing decorative items and dishware.</p>
<h3><strong>Statement Backsplashes</strong></h3>
<p><a href="https://www.hgtv.com/design/rooms/kitchens/contemporary-backsplash-ideas">Backsplashes</a><span> </span>are increasingly becoming focal points, with homeowners opting for cutting-edge patterns and vivid colors to infuse personality and visual interest into their kitchens. If you want to heighten the impact, consider running the tile all the way up to the ceiling. Just be sure that your backsplash complements rather than competes with your cabinetry.</p>
<h3><strong>Smart Features</strong></h3>
<p>The future is here with the integration of smart technology like voice-activated faucets, app-controlled appliances and intelligent lighting systems. These features streamline tasks and boost energy efficiency, making daily routines easier and more convenient.</p>
<h3><strong>Vintage and Retro Touches</strong></h3>
<p>Nostalgic elements are yet another way to fashion a unique space that is both welcoming and memorable. Retro color palettes, vintage-inspired appliances and classic fixtures add charm and character to most any design. You could also have fun with some eye-catching wallpaper – a perfect way to brighten up any dark corners.</p>
<p>If you're thinking about giving your kitchen a refresh, today's trends offer innovation and sustainability with plenty of opportunity for personal expression. They may not improve your cooking, but they can inspire you to create a gathering place that is both functional and stylish.</p>
<p></p>
<p><a href="https://blog.coldwellbanker.com/kitchen-design-trends-create-a-welcoming-functional-space/">Original article</a> by <em>Carma Stahnke</em></p>]]>
        </description>
        <pubDate>
            <![CDATA[Tue, 10 Jun 2025 14:00:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/06/03/kitchen-design-trends-create-a-welcoming-functional-space]]>
        </guid>
                    <category>
                <![CDATA[Home Improvement]]>
            </category>
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        <item>
        <title>
            <![CDATA[Boise's Best Dog-Friendly Spots: Our Favorite Places to Explore]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/06/03/boise-s-best-dog-friendly-spots-our-favorite-places-to-explore]]>
        </link>
        <description>
            <![CDATA[<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/company/AdobeStock_456821728_Editorial_Use_Only.jpeg" width="1000" height="667" alt=""></p>
<p><span style="color: #003366;"><em>Summer is the perfect time to explore Boise with your dog—whether you're hitting the trails, relaxing on a patio, or finding off-leash fun, this city is full of places where your pup is just as welcome as you are. From shady brewery patios to fenced dog parks and social hangouts with local brews, this guide rounds up the best spots to enjoy Boise side by side with your four-legged friend.</em></span></p>
<hr>
<h3><span style="font-size: 14pt;">Hangouts</span></h3>
<p>We couldn't leave out the Boise River and Greenbelt—a favorite for local pups and their people. While most of the trail is leashed, Ann Morrison Park offers an off-leash area near its west end for some extra tail-wagging freedom.</p>
<p><strong><a href="https://www.greenacresboise.com/">Green Acres</a></strong><br>Green Acres is a dog-friendly, family-focused hangout along the Boise Greenbelt, offering local food, drinks, desserts, and live music daily. With shady outdoor seating, yard games, and space to relax by the river, it's a perfect spot for pups and their people. <em><br>1401 W Shoreline Drive, Boise</em></p>
<p><strong><a href="https://clubhound.com/">ClubHound</a></strong><br>ClubHound is a dog-friendly social club where pups enjoy 60,000 square feet of off-leash, fenced-in play—supervised by trained "Rufferees" and packed with fun activities and equipment. While your dog plays, you can relax on the shaded patio, sip a craft beverage, catch up on work with high-speed WiFi, enjoy local food trucks, or join in on events like Market Day or Doga. <em><br>415 E Remington, Garden City</em></p>
<p><strong><a href="https://www.idahopupsandales.com">Idaho Pups and Ales Dog Park Bar</a></strong><br>Idaho Pups & Ales is a private dog park created by dog lovers for dog lovers—featuring a clean, safe space to relax, connect, and enjoy special events, beer, coffee, and even a dog splash pad. <em><br>70 S Outpost Ln, Meridian</em></p>
<p></p>
<hr>
<h3><span style="font-size: 14pt;"><strong>Dog Parks</strong></span></h3>
<p><a href="https://www.cityofboise.org/departments/parks-and-recreation/dogs-off-leash-parks-and-areas/#Trail-Locations"><strong>Molenaar Dog Park</strong></a> <br>A fully fenced, off-leash park located in west Boise.<br data-start="208" data-end="211"><em data-start="211" data-end="259">2815 S. Maple Grove Road, Boise </em></p>
<p data-start="261" data-end="436"><a href="https://www.facebook.com/storeybarkpark/"><strong data-start="261" data-end="284">Storey Bark Park</strong></a><strong> </strong><br>A 2.25-acre fenced park with separate areas for large and small dogs, shaded seating, paved paths, agility equipment, drinking fountains, and fun dog-themed details.<br data-start="626" data-end="629"><em data-start="629" data-end="678">430 E. Watertower Lane, Meridian </em></p>
<p data-start="680" data-end="929"><a href="https://www.nampaparksandrecreation.org/Facilities/Facility/Details/Amity-Dog-Park-3"><strong data-start="680" data-end="698">Amity Dog Park</strong><strong> </strong></a><br>Six acres of fenced, off-leash space with grassy fields, trails, separate areas for large and small dogs, shaded seating, water access, and a dog-friendly swimming pond.<br data-start="870" data-end="873"><em data-start="873" data-end="929">2900 2nd Street S & E Amity Road, Nampa </em></p>
<p data-start="931" data-end="1173"><a href="https://nampaparksandrecreation.org/Facilities/Facility/Details/Huckleberry-Dog-Park-41"><strong data-start="931" data-end="955">Huckleberry Dog Park</strong></a><br>Nampa's newest dog park offers nine acres of walking trails, grassy space, a small/senior dog area, misting station, restrooms, and water fountains for both pups and people.<br data-start="1131" data-end="1134"><em data-start="1134" data-end="1173">11370 Smith Ave, Nampa </em></p>
<p><em>For all off-leash dog areas in Boise parks, go here: <a href="https://www.cityofboise.org/departments/parks-and-recreation/dogs-off-leash-parks-and-areas/#Park-Locations">https://www.cityofboise.org/departments/parks-and-recreation/dogs-off-leash-parks-and-areas/#Park-Locations</a></em></p>
<hr>
<p></p>
<h3><span style="font-size: 14pt;"><strong>Restaurants with Dog-Friendly Patios</strong></span></h3>
<p><strong><a href="https://www.facebook.com/sandbar.riversidehotel/">Sandbar Patio Grill</a></strong><br>Open seasonally, this riverfront grill and bar along the Boise Greenbelt features fresh, locally sourced food, local draft beer, specialty cocktails, and live music on evenings and weekends. Dogs are welcome on the spacious outdoor patio.<br><em data-start="328" data-end="377">2900 W Chinden Blvd, Garden City </em></p>
<p><strong><a href="https://www.payettebrewing.com/">Payette Brewing</a></strong><br>Located near the Boise River, this laid-back brewery features a spacious beer garden, yard games, food trucks, live music, and plenty of shaded outdoor seating. Dogs are welcome in the beer garden, making it a great stop for you and your pup.</p>
<p><em>733 S Pioneer Street, Boise</em></p>
<p><strong><a href="http://www.districtcoffeehouse.com/">District Coffee House</a></strong><br>A downtown Boise favorite for locally roasted coffee, fresh pastries, and a cozy, community-focused vibe. Dog-friendly outdoor seating makes this a great stop with your pup.<br><em>219 N 10th Street, Boise </em></p>
<p><strong><a href="https://www.motherearthbrewco.com/boise">Mother Earth Brewing</a></strong><br>This kid- and dog-friendly taproom offers 30 rotating taps of award-winning local brews, guest pours, and kombucha, plus a welcoming patio, food trucks, live music, and big-screen sports in a rustic-modern setting. <em>406 S 3rd St. Boise, ID 83702</em></p>
<hr>
<h3><span style="font-size: 14pt;"><strong>Shopping</strong></span></h3>
<p><a href="https://thebarknpurr.com/"><strong>Bark N' Purr Healthy Pet Essentials</strong></a><br>A go-to Boise favorite for natural pet food, treats, toys, and accessories—plus expert nutritional advice and a self-serve dog wash. <em>1036 S Vista Ave, Boise</em></p>
<p><a href="https://www.mollyshealthypfm.com/"><strong>Molly's Healthy Pet Food Market</strong></a><br>From high-quality food and supplements to USA-made toys and boutique gifts, Molly's is a downtown Boise gem for health-conscious pet lovers. <em>817 W Idaho St, Boise</em></p>
<p><strong><a href="https://northwestpets.com/">Northwest Pets</a></strong><br>Locally owned with stores in Eagle, Meridian, and Boise. Specializing in high-quality food, treats, toys, and gear for dogs and cats. Every product is hand-selected to support a healthier, happier life for your pets.</p>
<p></p>]]>
        </description>
        <pubDate>
            <![CDATA[Fri, 06 Jun 2025 10:00:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/06/03/boise-s-best-dog-friendly-spots-our-favorite-places-to-explore]]>
        </guid>
                    <category>
                <![CDATA[Boise Life]]>
            </category>
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        <item>
        <title>
            <![CDATA[Buying a Home]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/06/02/buying-a-home]]>
        </link>
        <description>
            <![CDATA[<p></p>
<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogHeader-1120x630_2025.png" width="549" height="309" alt="" style="display: block; margin-left: auto; margin-right: auto;"></p>
<p>If there's one purchase that should <em>never </em>elicit a serious case of buyer's remorse, it's your home.</p>
<p>A home is not only one of the largest purchases most of us will ever make, but much of your wealth will likely be tied up in your home. Research conducted by the U.S. Census Bureau has shown that home equity comprises the largest portion of the average U.S. household's net worth. So it's safe to say that buying a home is an incredibly important financial decision.</p>
<p>Money, however, is just part of the equation. A home is far more than an investment - it's the setting in which our lives unfold. Our homes serve as the backdrop to almost everything that happens to us, good, bad and indifferent. Many of your life's signature moments will occur within those walls.</p>
<p>Given the dollar amounts and financial commitment involved, it's not surprising that home buying isn't always a stress-free endeavor. Yet the process shouldn't fill you with anxiety or dread. In fact, if you're properly prepared, you might even find the home buying process to be an enjoyable challenge.</p>
<p></p>
<p><strong>Benefits <em>and</em> Risks</strong></p>
<p>Owning your own home can make a lot of financial sense, but only if you're fully prepared for it.</p>
<p>There are a lot of potential advantages to owning your own home. First of all, home ownership allows you to build equity (cash value) in your home over the years, money that is likely to be recouped when you sell the house in 10 or 20 years. Home ownership also offers the promise of dramatically cutting your expenses later in life - after your mortgage is paid off, you'll likely only pay real estate taxes and homeowners insurance. Finally, the interest on a mortgage is tax deductible, potentially saving thousands of dollars per year versus renting, though you should check with your tax advisor.</p>
<p>Sounds like a good deal, right? But owning a home is not without risk.</p>
<p>While home values for the country as a whole have generally risen along with the general rate of inflation, real estate is primarily a local investment. This means the values in some parts of the country may go up while the values in other parts may stay more or less the same (or even decline in value). The rate of appreciation even varies from town to town in the same state.</p>
<p>Owning a home means that you are responsible for all repairs, maintenance and upkeep – in addition to a mortgage payment. From mowing the lawn to painting the house to purchasing a new furnace, it's all up to you. Especially if you're stretched financially with a large mortgage, finding the extra cash for unforeseen repairs can lead to financial stress and may even result in high interest credit card debt. As the equity in a home grows, homeowners are often able to take out low interest home equity loans to cover large expenses, but unless you made a large down payment, these low interest loans may not be available for several years after the purchase of a home.</p>
<p>And no matter what your financial situation may be, there are often times when renting actually makes more financial sense than buying. If you plan to move within five years or so, the costs associated with maintaining and selling a home probably make renting a better bet.</p>
<p>Whether buying a home is right for you is often a complex, personal decision that includes both financial and quality of life considerations. Our goal is to offer a "big picture" look at the process, allowing you to ultimately complete the home buying process with minimal stress - and absolutely no buyer's remorse.</p>
<hr>
<p></p>
<p><a href="https://www.iccu.com/coldwell-banker-tomlinson-mortgage-loan-officers"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogFooter-1120x450_2025.png" width="744" height="268" alt="" style="display: block; margin-left: auto; margin-right: auto;"></a></p>
<p> </p>]]>
        </description>
        <pubDate>
            <![CDATA[Mon, 02 Jun 2025 15:13:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/06/02/buying-a-home]]>
        </guid>
                    <category>
                <![CDATA[Buying A Home]]>
            </category>
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        <item>
        <title>
            <![CDATA[Smart Things to Do Before You Leave for Vacation]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/05/08/smart-things-to-do-before-you-leave-for-vacation]]>
        </link>
        <description>
            <![CDATA[<h2 data-start="285" data-end="341" class=""><img src="http://mschroeder.cbboise.com/shared/fs/0759/company/AdobeStock_871917499.jpeg" width="650" height="433" alt=""></h2>
<p data-start="343" data-end="648" class=""><span style="color: #003366;"><em>Summer travel season is here! Whether you're heading to the Oregon Coast, camping in McCall, or jetting somewhere tropical, don't forget to prep your home before you go. A few smart moves can save you from stress, mess—or worse—while you're gone. Here are some tips we recommend before hitting the road.</em></span></p>
<hr data-start="650" data-end="653" class="">
<p><strong data-start="662" data-end="717">Prep Like It's a "You'll-Thank-Yourself-Later" Gift</strong></p>
<p data-start="718" data-end="901" class="">Empty the trash. Run the dishwasher. Make sure the washing machine and coffee maker is empty. Clear the fridge of anything that might turn into a science experiment. Coming home to a clean space is a small luxury you'll <em data-start="881" data-end="889">really</em> appreciate.</p>
<hr data-start="903" data-end="906" class="">
<p><strong data-start="915" data-end="954">Keep It Cool Without Wasting Energy</strong></p>
<p data-start="957" data-end="1115" class="">Adjust your thermostat (78° is a good safe bet), close blinds to keep heat out, and unplug small appliances to avoid phantom power drain—and possible hazards.</p>
<hr data-start="1117" data-end="1120" class="">
<p><strong data-start="1129" data-end="1161">Make Your Home Look Lived-In</strong></p>
<p data-start="1164" data-end="1353" class="">Set a couple lights on timers, pause your mail, and ask a neighbor to grab any packages. Bonus points if they occasionally park in your driveway—it's a great way to make things look active.</p>
<hr data-start="1355" data-end="1358" class="">
<p><strong data-start="1367" data-end="1409">Let Someone You Trust Know You're Gone</strong></p>
<p data-start="1412" data-end="1599" class="">Share your travel dates and emergency contacts with a friend, family member or neighbor. If something unexpected pops up (like a delivery, leak, or storm), you'll be glad someone local can step in. Make sure they have a way to get into your house (key, garage door code, etc.)</p>
<hr data-start="1601" data-end="1604" class="">
<p><strong data-start="1613" data-end="1655">Double-Check Security the Night Before</strong></p>
<p data-start="1656" data-end="1849" class="">Lock all doors and windows (yes, even the ones in the back or upstairs), check cameras, and arm your alarm. Do one final walkthrough before bed—you'll sleep better knowing it's all buttoned up.</p>
<hr data-start="1851" data-end="1854" class="">
<p><strong data-start="1613" data-end="1655">Triple Check Passports, Travel Reservations</strong></p>
<p data-start="1656" data-end="1849" class="">Make sure all IDs are current (especially passports!) and confirm that your hotel, car rental, and other reservations are booked with the right dates. Better to catch it now than at the airport!</p>
<hr data-start="1851" data-end="1854" class="">
<h5 data-start="1856" data-end="1973"><span style="font-size: 10pt;"> Head out with confidence and come back to peace of mind—your summer should be stress-free from start to finish.</span></h5>]]>
        </description>
        <pubDate>
            <![CDATA[Tue, 20 May 2025 13:48:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/05/08/smart-things-to-do-before-you-leave-for-vacation]]>
        </guid>
                    <category>
                <![CDATA[Uncategorized]]>
            </category>
                            <tag>
                <![CDATA[summer]]>
            </tag>
                        <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/company/AdobeStock_871917499.jpeg]]></overviewPhoto>    </item>
        <item>
        <title>
            <![CDATA[April Market Report]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/05/16/april-market-report-2]]>
        </link>
        <description>
            <![CDATA[<h3><span><em><span style="line-height: 9pt;"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/2025_Market_Report.png" width="400" height="286" alt="" style="border-width: 1px; border-style: solid; display: block; margin-left: auto; margin-right: auto;"><br></span> <a title="Boise Area Market Report April 2022" href="https://www.cbboise.com/results/?autocomplete=off&aid=&oid=&aname=&aimg=&chome=&odoor=&agent_hasfeat=&viewtype=responsive&newsearch=1&newsearchresults=1&page=0&saved_search=0&sort_by=1&condition=or&keySession=&searchBoundaries=&status_types%5B%5D=sale&property_category%5B%5D=residential&property_type%5Bresidential%5D%5B%5D=single&property_type%5Bresidential%5D%5B%5D=townhouse&property_type%5Bresidential%5D%5B%5D=condo&property_type%5Bresidential%5D%5B%5D=mobile&property_type%5Bresidential%5D%5B%5D=prefab&pricemin=&pricemax=&bedmore=1&bedrooms=&bath_thre=1&bath_full=&sqfoot_low=&sqfoot_high=&acres=&acres_h=&yb_l=&yb_h=&taxmin=&taxmax=&garages=&garages_alt=1&stories=&fireplaces=&pool=&allowpets=&home_type=&reducedpricedays=&pastdays=0&foreclosure=&shortsale=&pagenum=1" target="_blank" rel="noopener"></a></em></span></h3>
<h6><span><em>From Our Friends At<a href="https://www.boirealtors.com/april-2025-market-report/"> Boise Regional REALTORS<sup>®</sup></a></em></span></h6>
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<h3><strong>ADA COUNTY</strong></h3>
<p><strong>MEDIAN SALES PRICE —</strong></p>
<ul>
<li>When compared to March, prices decreased for homes across all age buckets except homes sold that are currently under construction (saw an average price increase of 2.4%). The largest decreases in price were seen for resale homes 5 years or younger which saw an average price decline of 26% in April. When compared to similar homes sold in March, these younger resale homes sold in April had around 7% less square footage on average.</li>
</ul>
<p><strong>HOMES SOLD —</strong></p>
<ul>
<li>The increase observed in April's sold resale homes was due to significant increases in the sales of older homes. A nearly 24% and 60% increase was seen in the sales of homes aged 21-30 years and 31-50 years (respectively) in April compared to March.</li>
<li>There was a 13.6% increase in the sale of homes that are currently under construction. 97% of these homes were located outside of Boise, mostly in Meridian and Star.</li>
</ul>
<p><strong>PENDING SALES —</strong></p>
<ul>
<li>57% of resale homes currently pending sale are over 20 years old. The majority of these homes (76%) are set to close in May. We may continue to see an increase in sales volume for these older resale homes in May based on sales currently pending.</li>
<li>A large portion of homes pending sale (41%) are new construction homes that are not set to close before the end of May 2025.</li>
</ul>
<p><strong>INVENTORY —</strong></p>
<ul>
<li>Inventory increased by 22% in April, the third straight month that an increase has been seen in Ada County.</li>
<li>There was a 17% decrease in inventory for homes currently under construction, a home type that appeared to have significant buyer demand in April.</li>
<li>Resale home inventory increased across all age bands, most significantly for homes aged 51-80 years which saw a 53% increase in inventory in April.</li>
</ul>
<p><strong>DAYS ON MARKET —</strong></p>
<ul>
<li>The lowest average days on market in April was seen for older resale homes. On average, homes over 20 years old sold in April were on the market for 20 days. The quantity of these homes sold increased in April, which indicates continued demand for older resale homes in Ada County. </li>
<li>Among new homes, those listed as currently under construction sold the fastest in April and were only on the market for around 22 days on average.</li>
</ul>
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<div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey"><span style="color: #002169;"><strong>"Sales activity in Ada County continues to build momentum, with three straight months of increased sales and rising buyer interest in older resale homes and new builds alike. While prices saw a slight dip, opportunities for negotiation are creating real wins for buyers, especially with a REALTOR® by your side to navigate pricing strategies and emerging inventory trends." <em>~Elizabeth Hume, Boise Regional REALTORS® 2025 President</em></strong></span></div>
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<h3><strong>CANYON COUNTY</strong></h3>
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<ul>
<li class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey">The largest price increase was seen for resale homes 51-80 years old; these homes saw an average price increase of 22% in April.</li>
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<li class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey">Homes sold that are currently under construction also saw a price decrease of 7% in April.</li>
</ul>
<p><strong>HOMES SOLD —</strong></p>
<ul>
<li>The number of new and resale homes sold increased in April. The increase was more substantial for resale homes which increased by 38% compared to 16% for new homes. Similar to Ada County, sales for homes 20 years old and older increased substantially in April (54.7% for Canyon County). </li>
<li>In March, 49% of all homes sold were resale homes. In April, this proportion rose to 54%.</li>
</ul>
<p><strong>PENDING SALES —</strong></p>
<ul>
<li>Pending sales remained at similar levels as March.</li>
<li>Similar to March, 62% of homes that are currently pending sale are new homes. 70% of these new homes are not set to close until after May 2025 and will likely appear again in Canyon's pending sales next month.</li>
<li>Over half (55%) of resale homes pending sale are over 20 years old and have similar days on market to homes of that age that sold in April.</li>
</ul>
<p><strong>INVENTORY —</strong></p>
<ul>
<li>The number of homes 20 years or older in inventory increased by 33.7% in April. This is a segment of homes that saw increased sales numbers in March. We may see similar trending in May due to the amount of these homes currently available.</li>
<li>The number of new homes that are currently under construction in inventory declined by 23.8% but the sales of these homes increased 60%, signifying buyer demand.</li>
</ul>
<p><strong>DAYS ON MARKET —</strong></p>
<ul>
<li>Homes over 20 years old sold in April had the lowest average days on market when compared to younger and new homes. In April, a home sold that was 20 years or older was on the market for an average of 31 days.</li>
<li>Younger resale homes (those under 20 years of age) were on the market on average 10 days longer than older homes and, on average, sold for $10k lower than the original asking price associated with the listing.</li>
</ul>
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<p><span style="color: #002169;"><strong>"Home prices in Canyon County dipped slightly in April, opening the door for more buyers to enter the market especially for newer homes and those under construction. With strong growth in sales and rising inventory in key segments, navigating these shifts with a trusted REALTOR® can help you find the right home at the right price."<em> ~Elizabeth Hume, Boise Regional REALTORS® 2025 President</em></strong></span></p>
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<p>To view the Treasure Valley homes currently for sale, <a href="https://www.cbboise.com/results/?autocomplete=off&aid=&oid=&aname=&aimg=&chome=&odoor=&agent_hasfeat=&viewtype=responsive&newsearch=1&newsearchresults=1&page=0&saved_search=0&sort_by=1&condition=or&keySession=&searchBoundaries=&status_types%5B%5D=sale&property_category%5B%5D=residential&property_type%5Bresidential%5D%5B%5D=single&property_type%5Bresidential%5D%5B%5D=townhouse&property_type%5Bresidential%5D%5B%5D=condo&property_type%5Bresidential%5D%5B%5D=mobile&property_type%5Bresidential%5D%5B%5D=prefab&pricemin=&pricemax=&bedmore=1&bedrooms=&bath_thre=1&bath_full=&sqfoot_low=&sqfoot_high=&acres=&acres_h=&yb_l=&yb_h=&taxmin=&taxmax=&garages=&garages_alt=1&stories=&fireplaces=&pool=&allowpets=&home_type=&reducedpricedays=&pastdays=0&foreclosure=&shortsale=&pagenum=1" target="_blank" rel="noopener">CLICK HERE</a></p>
<div style="position: relative; padding-top: max(60%,326px); height: 0; width: 100%;"><iframe style="position: absolute; border: none; width: 100%; height: 100%; left: 0; right: 0; top: 0; bottom: 0;" allow="clipboard-write" sandbox="allow-top-navigation allow-top-navigation-by-user-activation allow-downloads allow-scripts allow-same-origin allow-popups allow-modals allow-popups-to-escape-sandbox allow-forms" allowfullscreen="allowfullscreen" src="https://e.issuu.com/embed.html?d=treasure_valley_market_report_april_2025&u=cbtg" data-mce-fragment="1"></iframe></div>
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        </description>
        <pubDate>
            <![CDATA[Fri, 16 May 2025 13:36:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/05/16/april-market-report-2]]>
        </guid>
                    <category>
                <![CDATA[News]]>
            </category>
                                <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/075900465/2025_Market_Report.png]]></overviewPhoto>    </item>
        <item>
        <title>
            <![CDATA[Memorial Day in Boise: 7 Ways to Honor, Celebrate, and Enjoy the Long Weekend]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/05/08/memorial-day-in-boise-7-ways-to-honor-celebrate-and-enjoy-the-long-weekend]]>
        </link>
        <description>
            <![CDATA[<h2 data-start="279" data-end="364" class=""><img src="http://mschroeder.cbboise.com/shared/fs/0759/company/AdobeStock_204200757.jpeg" width="650" height="433" alt=""></h2>
<p data-start="366" data-end="718" class=""><span style="color: #003366;"><em>Memorial Day weekend is almost here — and in Boise, that means a chance to slow down, honor those who served, and kick off summer with family, friends, and sunshine. Whether you're looking for meaningful ways to commemorate the holiday or just want to make the most of your three-day weekend, we've rounded up some of the best things to do around town.</em></span></p>
<p>1. <strong data-start="727" data-end="800">Attend the Memorial Day Ceremony at the Idaho State Veterans Cemetery</strong></p>
<p data-start="803" data-end="1039" class="">Take time to honor those who gave their lives in service. The annual Memorial Day ceremony is a moving tribute, open to the public and held on Monday morning. Arrive early — parking fills quickly.<br data-start="999" data-end="1002"><em data-start="1005" data-end="1039">10100 N Horseshoe Bend Rd, Boise</em></p>
<hr>
<p>2. <strong data-start="1048" data-end="1087">Catch the Boise Hawks Season Opener</strong></p>
<p data-start="1090" data-end="1284" class="">Baseball, hot dogs, and patriotic fun — the Boise Hawks kick off their season Memorial Day weekend with home games, fireworks, and family activities.<br data-start="1239" data-end="1242"><em data-start="1245" data-end="1284">Memorial Stadium – 5600 N Glenwood St</em></p>
<p data-start="1090" data-end="1284" class=""><em data-start="1245" data-end="1284"></em></p>
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<p>3. <strong data-start="1293" data-end="1326">Hit the Boise River Greenbelt</strong></p>
<p data-start="1329" data-end="1473" class="">Walk, bike, or picnic along the scenic Greenbelt for a low-key afternoon. Bring the pups, pack a cooler, and enjoy the best of Boise's backyard.</p>
<p data-start="1329" data-end="1473" class=""></p>
<hr>
<p>4. <strong data-start="1482" data-end="1513">Explore the Boise Farmers Market Outdoor Market</strong></p>
<p data-start="1516" data-end="1719" class="">Enjoy locally raised proteins, breads, seasonal vegetable and fruits. Food trucks onsite, fresh-roasted coffee and so many delicious things! Held every Saturday morning 9 am - 1 pm, through October.<br data-start="1684" data-end="1687"><em data-start="1690" data-end="1719">1500 Shoreline Dr </em></p>
<p data-start="1516" data-end="1719" class=""><em data-start="1690" data-end="1719"></em></p>
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<p>5. <strong data-start="1728" data-end="1766">Plan a Backyard BBQ or Block Party</strong></p>
<p data-start="1769" data-end="1902" class="">Keep it local! Memorial Day weekend is the perfect excuse to invite the neighbors over, fire up the grill, and relax in the sunshine.</p>
<p data-start="1769" data-end="1902" class=""></p>
<hr>
<p>6. <strong data-start="1911" data-end="1954">Visit the Idaho Military History Museum</strong></p>
<p data-start="1957" data-end="2113" class="">Explore Boise's military heritage through exhibits on uniforms, vehicles, and Idaho's role in U.S. history. Admission is free.<br data-start="2083" data-end="2086"><em data-start="2089" data-end="2113">4040 W Guard St, Boise</em></p>
<p data-start="1957" data-end="2113" class=""><em data-start="2089" data-end="2113"></em></p>
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<p data-start="1957" data-end="2113" class=""><em data-start="2089" data-end="2113"></em></p>
<p>7. <strong data-start="2122" data-end="2155">Take a Day Trip to Lucky Peak</strong></p>
<p data-start="2158" data-end="2320" class="">Looking to get out of town? Just a short drive east, Lucky Peak offers hiking, picnicking, and cool lake breezes — a great way to enjoy the first taste of summer.</p>
<hr data-start="2322" data-end="2325" class="">
<h5 data-start="2327" data-end="2451"><span style="font-size: 10pt;"><em>No matter how you spend the weekend, we wish you a safe, meaningful, and memorable Memorial Day in the Treasure Valley.</em></span></h5>]]>
        </description>
        <pubDate>
            <![CDATA[Tue, 13 May 2025 10:51:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/05/08/memorial-day-in-boise-7-ways-to-honor-celebrate-and-enjoy-the-long-weekend]]>
        </guid>
                    <category>
                <![CDATA[Boise Life]]>
            </category>
                                <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/company/AdobeStock_204200757.jpeg]]></overviewPhoto>    </item>
        <item>
        <title>
            <![CDATA[How Remote Work Has Changed the Real Estate Landscape]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/05/08/how-remote-work-has-changed-the-real-estate-landscape]]>
        </link>
        <description>
            <![CDATA[<p></p>
<p><span><img src="http://mschroeder.cbboise.com/shared/fs/0759/company/AdobeStock_407082525.jpeg" width="650" height="433" alt=""></span></p>
<p><span>by <a href="https://blog.coldwellbanker.com/author/kimberly-quevedo/" class="text-sm text-paleblue2 hover:text-softblue">Kimberly Quevedo</a></span></p>
<p><span style="color: #003366;"><em>The rise of remote work has reshaped home design and buyers' needs, blurring the lines between professional and personal living. Beyond converting a corner of a room or integrating a designated office space, living areas are designed with intention and purpose. They have evolved into an integrated lifestyle that supports productivity and relaxation. Homeowners are blending a functional work hub with a place to unwind, creating a seamless daily rhythm of work-life balance.</em></span></p>
<hr>
<h3><strong>Multifunctional Remote Work Areas</strong></h3>
<p>Outgrowing a simple desk and chair, remote workspaces are custom-designed environments that easily transition from work to play. Open living areas, dining rooms and kitchen islands are redesigned to support family activities and professional video calls. And homeowners are incorporating<span> </span><a href="https://philzen.com/blogs/news/ergonomic-furniture-trends?srsltid=AfmBOooebUl_mZuxNlv_SLtSQzVQThPv2AZ00sHWa7G8vI82XTj_Uoib">ergonomic furniture</a>, wall-mounted monitors, advanced lighting systems,<span> </span><a href="https://www.housebeautiful.com/room-decorating/g27348734/room-divider-ideas/">glass partitions</a><span> </span>and soundproofing to mesh home living with work productivity. Additionally, nature is making its way indoors through<span> </span><a href="https://www.youtube.com/watch?v=uAmbZCtNC9U">biophilic design. L</a>ush plants, natural light and the quiet beauty of wood are transforming the home/remote environment.</p>
<p></p>
<hr>
<h3><strong>Tech-Infused, Work-Home Amenities</strong></h3>
<p>Integrated smart home technology is a key feature in balancing remote work with home relaxation. And voice-activated assistants help manage calendars and smart lighting enables adjustments according to the time of day. Additionally,<span> </span><a href="https://www.eufy.com/blogs/security-camera/home-automation-ideas?srsltid=AfmBOoqMzPBuKZDC8xPbYZE0lcrA7L0FWJRGjWLvbdaVB_Ty4UV2oeWU">home automation systems</a><span> </span>that control temperature and window shades allow remote workers to customize their environments for maximum comfort. And home-work dwellers are syncing<span> </span><a href="https://www.housedigest.com/1806072/ai-kitchen-appliance-trend/">kitchen appliances</a><span> </span>to brew coffee according to meeting schedules while also programming them for personal needs, like when supplies are low. Homeowners are also investing in higher-speed internet and<span> </span><a href="https://www.nytimes.com/wirecutter/reviews/best-wi-fi-mesh-networking-kits/">Wi-Fi systems</a><span> </span>to ensure smooth video calls – which also benefits their binge-watching time.</p>
<p></p>
<hr>
<h3><strong>The Impact of Remote Work on Real Estate Market Trends</strong></h3>
<p>The work-life balance home design trend has changed the way people buy homes. Open layouts and adaptable rooms are in high demand. Home buyers value creating a home studio – a space that's as functional as inspiring. And outdoor spaces are important for remote workers as they transform them into work-friendly environments, installing outdoor office pods to focus in a peaceful, natural setting. Homes with more flexible floor plans, integrated technology and communities with high-speed internet are the new attractive norm.</p>
<p></p>
<p><em>Remote work has shifted the focus of home living to optimization and well-being – and technology plays a pivotal role. A home is no longer only a place to live and rest – it's a balanced sanctuary to work, play and thrive.</em></p>]]>
        </description>
        <pubDate>
            <![CDATA[Thu, 08 May 2025 15:38:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/05/08/how-remote-work-has-changed-the-real-estate-landscape]]>
        </guid>
                    <category>
                <![CDATA[Home Improvement]]>
            </category>
                                <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/company/AdobeStock_407082525.jpeg]]></overviewPhoto>    </item>
        <item>
        <title>
            <![CDATA[Credit Reports and Scores]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/05/01/credit-reports-and-scores]]>
        </link>
        <description>
            <![CDATA[<p></p>
<p><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogHeader-1120x630.png" width="549" height="309" alt="" style="display: block; margin-left: auto; margin-right: auto;"></p>
<p>Whether buying a pack of gum at a quickie mart, financing a car, or paying for a home or a college education, most people use some form of credit daily. Credit offers a way for us to get the things we want without having to carry cash, and it allows us to buy things we might not be able to afford all at once by paying over time.</p>
<p>What is credit? At the most basic level, credit is a promise that you will repay any loan according to the terms of the agreement between you and a lender. </p>
<p>If a friend has ever asked if they could borrow your money, you may have asked yourself whether they could pay you back. Lenders ask themselves similar questions and have devised a system to rate the likelihood that people will repay their debts. This system consists of credit reports and credit scores.</p>
<h4><strong>Credit Reports </strong></h4>
<p>A credit report is a financial report card that contains detailed personal and financial information dating back seven years or more. You have three credit reports assembled by the three major credit reporting bureaus - Experian, Equifax, and TransUnion. Credit report information includes:</p>
<ul>
<li>Social Security number and date of birth.</li>
<li>Current and previous addresses.</li>
<li>Current and previous employers.</li>
<li>Recent credit inquiries.</li>
<li>Tax or legal issues, including bankruptcies, liens, and foreclosures.</li>
<li>Active loans and lines of credit, including the percentage of available credit used.</li>
<li>Loan repayment history.</li>
<li>Details of accounts that have been referred to a collection agency.</li>
</ul>
<p>A credit report filled with missed payments and other harmful items will make it more challenging to get loans, and loans will be more expensive since the interest rate will be higher to offset the increased risk of default. And the penalties don't stop there - banks, insurance companies, credit card companies, utilities, landlords, and even employers can access and use your credit report to make decisions about you. About half of all employers use credit reports as a factor in making hiring decisions.</p>
<p>Given the pervasive use of credit reports, it's easy to understand the importance of maintaining a favorable report.</p>
<p>Reviewing your credit reports at least once yearly is a good idea. By doing so, you can spot errors and even identity theft. Call the credit bureau immediately if you find errors on your credit report. Under the Fair Credit Reporting Act, the bureaus have 30 days to investigate and correct any erroneous information.</p>
<p>Credit reporting agencies are required to offer a free report once per year through the government-mandated<span> </span><a href="https://www.annualcreditreport.com/" target="_blank" rel="noopener">AnnualCreditReport.com</a><span> </span>website. The agencies may also try to sell you services as you review your report, but these extras are not required.</p>
<p>Many websites offer so-called "free" credit reports and scores, but most of those sites try to sign you up for a credit monitoring service. These services are unnecessary for most and often cost $150 or more annually.</p>
<hr>
<h4><strong>Credit Scores</strong></h4>
<p>If your credit report is like a report card, your credit score is your overall credit grade. A credit score is a three-digit number that summarizes everything about your credit report into one number. Credit scores typically range between 300 and 850, with around 700 being average. The higher the score, the better.</p>
<p>The most commonly known score was created by the Fair Isaac Corporation, which is why credit scores are sometimes called FICO scores. While there are various credit score providers, scores are determined based on factors including:</p>
<ul>
<li>Payment history - Whether you pay your bills on time. Late payments can lower your score.</li>
<li>Credit utilization - The ratio of credit you're using compared to your limit. </li>
<li>Length of credit history - How long you've had credit. The longer, the better.</li>
<li>New credit - Opening new accounts can temporarily lower your average account age and score.</li>
<li>Credit mix - Having different types of credit (credit cards, loans, mortgages, etc) can improve your score.</li>
</ul>
<p>The interest rate you receive on most loans is based, to a large degree, on your credit score. Building and maintaining a solid credit history is the only way to earn a high credit score. Review our Maintaining and Improving Your Credit Score topic for more details.</p>
<p>While access to your credit reports is free via the AnnualCreditReport.com website, there's no government mandate to provide free credit scores.</p>
<p>Here's how you can check your score:</p>
<ul>
<li>Credit Reporting Agencies – You can purchase a score directly from Equifax, Experian, and TransUnion. </li>
</ul>
<ul>
<li>Credit Card Providers - Many issuers offer free credit scores as a part of their services. These are often available in the account management section of your online account. </li>
</ul>
<ul>
<li>Paid Services - There are many services that, for a monthly fee, provide you with access to your credit score and credit monitoring services. Be cautious and research thoroughly before paying for any services to avoid scams.</li>
</ul>
<ul>
<li>Free Online Platforms - Websites and apps like Credit Karma, Credit Sesame, and WalletHub offer free access to your credit score. These platforms provide VantageScore, which is slightly different from the FICO score used by many lenders but can still give you a good idea of your credit standing.</li>
</ul>
<ul>
<li>Directly from FICO - The Fair Isaac Corporation (FICO) is behind the most commonly used credit score model. You can purchase your FICO score from their website.</li>
</ul>
<ul>
<li>Credit Unions and Banks - Some banks and credit unions offer their members or customers free credit scores.</li>
</ul>
<p>When creating a new account to access your credit score, you must provide sensitive personal information. Always use strong, unique passwords and take advantage of the platform's additional security features. And be wary of services that claim to offer "free" scores but require credit card information. Some might enroll you in a trial service that could incur charges if not canceled.</p>
<hr>
<p><strong><em>Remember, while your credit score is a crucial part of your financial health, reviewing the full report is essential to check for errors or signs of fraud. Regularly monitoring both ensures you're informed and can take action when necessary.</em></strong></p>
<p></p>
<p> </p>
<hr>
<p></p>
<p><a href="https://www.iccu.com/coldwell-banker-tomlinson-mortgage-loan-officers"><img src="http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogFooter-1120x450_2.png" width="744" height="268" alt="" style="display: block; margin-left: auto; margin-right: auto;"></a></p>
<p> </p>]]>
        </description>
        <pubDate>
            <![CDATA[Thu, 01 May 2025 15:46:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/05/01/credit-reports-and-scores]]>
        </guid>
                    <category>
                <![CDATA[Personal Finance]]>
            </category>
                                <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/075900465/CBT-BlogHeader-1120x630.png]]></overviewPhoto>    </item>
        <item>
        <title>
            <![CDATA[Make the Most of Longer Days: 6 Easy Ways to Refresh Your Routine]]>
        </title>
        <link>
        <![CDATA[https://mschroeder.cbboise.com/blog/2025/04/03/make-the-most-of-longer-days-6-easy-ways-to-refresh-your-routine]]>
        </link>
        <description>
            <![CDATA[<h2 data-start="178" data-end="253"><strong data-start="184" data-end="253"><img src="http://mschroeder.cbboise.com/shared/fs/0759/company/AdobeStock_217318808.jpeg" width="1000" height="667" alt=""></strong></h2>
<p data-start="277" data-end="503"><span style="color: #002169;"><em>There's something energizing about the return of longer days and brighter mornings. As April gives way to May, it's the perfect time to shake off the last of winter and breathe new life into your daily routine — and your home.</em></span></p>
<p data-start="505" data-end="761"><span style="color: #002169;"><em>Whether you're looking to reset your habits, infuse more light into your space, or simply enjoy the fresh start that spring brings, here are six easy ways to take advantage of the extra daylight and make your home life feel just a little more inspired.</em></span></p>
<hr data-start="763" data-end="766">
<p><strong data-start="775" data-end="816">1. Shift Your Mornings into the Light</strong></p>
<p data-start="819" data-end="1057">Try setting your alarm just 15 minutes earlier to enjoy those quiet, sunlit mornings. Whether it's coffee on the porch, a short walk, or simply opening all the curtains, starting your day with natural light can boost your mood and energy.</p>
<p></p>
<p></p>
<hr data-start="1059" data-end="1062">
<p><strong data-start="1072" data-end="1109"></strong></p>
<p><strong data-start="1072" data-end="1109">2. Refresh Your Evening Wind-Down</strong></p>
<p data-start="1112" data-end="1371">Use the extended daylight hours to reset your nighttime routine. Instead of screen time, consider lighting a candle, reading a few pages, or tidying up your space with music on. It's a calming way to ease into the evening and still make the most of the light.</p>
<hr data-start="1373" data-end="1376">
<p><strong data-start="1385" data-end="1413"></strong></p>
<p><strong data-start="1385" data-end="1413">3. Bring the Outdoors In</strong></p>
<p data-start="1416" data-end="1628">Place a small vase of fresh flowers on your kitchen counter or plant a windowsill herb garden. Natural touches make your home feel fresh and seasonal — and they're a reminder to pause and enjoy the little things.</p>
<hr data-start="1630" data-end="1633">
<p><strong data-start="1642" data-end="1674"></strong></p>
<p><strong data-start="1642" data-end="1674">4. Let the Light Do the Work</strong></p>
<p data-start="1677" data-end="1891">Clean windows and swap out heavy drapes for lighter window treatments to help maximize natural light. It not only brightens your home but can also help with energy use (bonus: natural light = better Zoom lighting).</p>
<hr data-start="1893" data-end="1896">
<p><strong data-start="1905" data-end="1927"></strong></p>
<p><strong data-start="1905" data-end="1927">5. Reset One Space</strong></p>
<p data-start="1930" data-end="2148">Pick a room — your entryway, kitchen counter, or bedroom — and give it a quick seasonal refresh. Swap throw pillows, clear a surface, or add a new scent. It's amazing how much clarity and calm a small change can bring.</p>
<hr data-start="2150" data-end="2153">
<p><strong data-start="2162" data-end="2201"></strong></p>
<p><strong data-start="2162" data-end="2201">6. Build in a "Just for You" Moment</strong></p>
<p data-start="2204" data-end="2469">Longer days don't mean you have to fill every hour. Try setting aside 10–20 minutes a day for something that fills <em data-start="2319" data-end="2327">you up</em> — reading, stretching, journaling, or simply sitting outside with a favorite drink. Home should feel like your own personal recharge station.</p>
<hr data-start="2471" data-end="2474">
<h5 data-start="2476" data-end="2521"><strong data-start="2483" data-end="2519"></strong></h5>
<h5 data-start="2476" data-end="2521"><strong data-start="2483" data-end="2519">A Brighter Season Begins at Home</strong></h5>
<p data-start="2522" data-end="2741">Spring is about fresh energy and new possibilities. If your current space isn't quite working for your routine — or you're dreaming of a home that fits your next chapter — we'd love to help you explore what's out there.</p>
<p data-start="2743" data-end="2875">Start your home search today — and step into the season with clarity, confidence, and light.</p>]]>
        </description>
        <pubDate>
            <![CDATA[Mon, 21 Apr 2025 10:00:00 EST]]>
        </pubDate>
        <guid>
            <![CDATA[https://mschroeder.cbboise.com/blog/2025/04/03/make-the-most-of-longer-days-6-easy-ways-to-refresh-your-routine]]>
        </guid>
                    <category>
                <![CDATA[Boise Life]]>
            </category>
                                <overviewPhoto><![CDATA[http://mschroeder.cbboise.com/shared/fs/0759/company/AdobeStock_217318808.jpeg]]></overviewPhoto>    </item>
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