https://www.joshroyhomes.com/blog.html Straight answers on buying, selling and moving to Boise, Meridian and the Treasure Valley, from local REALTOR® Josh Roy. en-us Mon, 19 Oct 2026 08:00:00 -0600 https://www.joshroyhomes.com/move-up-buyers-mortgage-rate-lock-in-boise.html https://www.joshroyhomes.com/move-up-buyers-mortgage-rate-lock-in-boise.html Mon, 19 Oct 2026 08:00:00 -0600 Josh Roy Market Insights Trading a 3% mortgage for today’s 7.40% rate can add $2,000+ a month. Why Boise and Meridian move-up buyers are staying put, what FHFA research says about the lock-in effect, and when moving still makes sense. https://www.joshroyhomes.com/waiting-for-lower-mortgage-rates-boise.html https://www.joshroyhomes.com/waiting-for-lower-mortgage-rates-boise.html Fri, 16 Oct 2026 08:00:00 -0600 Josh Roy Mortgage rates are at 7.40% and forecasts see little relief through 2027. What waiting for lower rates really saves Boise and Treasure Valley buyers, where they have leverage today, and when waiting is the smarter call. https://www.joshroyhomes.com/true-cost-of-moving-up-boise.html https://www.joshroyhomes.com/true-cost-of-moving-up-boise.html Wed, 14 Oct 2026 08:00:00 -0600 Josh Roy The true cost of selling your home and buying another in Boise, Meridian and the Treasure Valley: fees, moving costs, giving up a low mortgage rate, and the case for staying put. https://www.joshroyhomes.com/rent-or-buy-boise-run-the-numbers.html https://www.joshroyhomes.com/rent-or-buy-boise-run-the-numbers.html Tue, 13 Oct 2026 08:00:00 -0600 Josh Roy A worked $450,000 Meridian example at today’s rates, what actually changes the answer, FHA, VA and ARM scenarios, and a free rent vs. buy calculator. https://www.joshroyhomes.com/southeast-boise-commute-cost.html https://www.joshroyhomes.com/southeast-boise-commute-cost.html Mon, 12 Oct 2026 08:00:00 -0600 Josh Roy Drive times to Southeast Boise from Meridian, Kuna, Nampa and Eagle at rush hour, what a long commute costs per hour, and whether paying more to live in SE Boise is worth it. https://www.joshroyhomes.com/new-construction-vs-resale-kuna-nampa-meridian.html https://www.joshroyhomes.com/new-construction-vs-resale-kuna-nampa-meridian.html Fri, 09 Oct 2026 08:00:00 -0600 Josh Roy Your biggest competition isn’t the house down the street. It’s the one that isn’t finished yet. Here’s what sellers need to know. https://www.joshroyhomes.com/when-you-shouldnt-buy-a-house-in-boise.html https://www.joshroyhomes.com/when-you-shouldnt-buy-a-house-in-boise.html Fri, 09 Oct 2026 08:00:00 -0600 Josh Roy Seven situations where renting or waiting may be the smarter move, and how to tell when buying actually makes sense. https://www.joshroyhomes.com/compete-entry-level-homes-east-southeast-boise.html https://www.joshroyhomes.com/compete-entry-level-homes-east-southeast-boise.html Tue, 06 Oct 2026 08:00:00 -0600 Josh Roy Why the best affordable homes can still draw competition—and how financing, escalation clauses, smart terms and the Micron effect can shape your strategy. https://www.joshroyhomes.com/southeast-boise-neighborhoods.html https://www.joshroyhomes.com/southeast-boise-neighborhoods.html Wed, 30 Sep 2026 08:00:00 -0600 Josh Roy Four distinct sections of Southeast Boise, with an interactive map of home prices and drive times to downtown, Micron and the airport. https://www.joshroyhomes.com/idaho-first-time-homebuyer-programs.html https://www.joshroyhomes.com/idaho-first-time-homebuyer-programs.html Wed, 30 Sep 2026 08:00:00 -0600 Josh Roy Low-down-payment loans, Idaho Housing assistance of up to 8% of the price, and a state tax break most first-time buyers have never heard of.