1. Add some character and add texture to your walls with peel-and-stick wall panels.

2. Create a charming accent wall with peel-and-stick paper.

3. Upgrade your countertops to faux granite with a DIY paint kit instead of spending a fortune to replace it.

4. Reseal all those cracks in your tub and tile with caulking and make your bathroom look new again.

5. Update recess lighting without doing any electrical work with magnetic shades.

6. Install crown molding to help make your home look historic and charming.

7. Adding a fresh coat of paint to get that pop of color (or get rid of it) will give your home a touch-up without costing you a fortune.

8. Get the stainless-steel appliances you've always wanted at a fraction of the price with paint.

9. Add privacy and a touch of elegance, and make your windows look super expensive, with with "leaded-glass" film.

10. Paint your cabinets to give your kitchen that just-remodeled feeling for pennies versus what it would cost to replace them.

11. Add a new tile backsplash to give your kitchen (or bathroom) that gorgeous custom look.

12. Add a medallion to your light fixtures to instantly elevate your ceiling game.

13. Paint your ugly vinyl floors to get rid of the eyesore without ripping up the floor.

14. Bulk up your baseboards with paint and extra trim instead of replacing them.

15. Install shelving systems in every room to add storage.

16. Upgrade the fixtures in your bathroom to give yourself a mini spa experience.

17. Swap the handles on your cabinets and drawers to update your kitchen.

18. Add a doorbell to your home if you don't already have one, or upgrade your current one.

19. Update light switches to give your home a fresh look and a tech upgrade.

20. Add some curb appeal and a pop of color by painting your front door.

21. Forget interior designers! Find matching fabrics, paints, and materials with a color match tool.

22. Get even more curb appeal by sanding down and painting rusted railings.

23. Consider these useful tips for upgrading your bathroom.

24. Cover door scuffs and prevent new damage with a metal kick plate.

25. Add adhesive mirrored tiles to the underside or top of your cabinets to subtly reflect light and make your space look brighter.

Not every room is blessed with good natural light.. Sometimes when a window isn’t placed well, or isn’t there at all, it can be hard to work around, while other times, the window is in a great spot but is being blocked outside by trees or other plants. If you struggle with poorly lit rooms, there’s a simple trick to try to boost the light in that spice.

The trick is to place a lamp in front of a mirror. The idea is that the mirror will bounce back any of the light the lamp gives off, easily growing your light source. One of the best uses of this trick is in the bedroom on a nightstand or dresser.  If your bedroom isn’t dark in terms of sunlight, but dark in terms of decor, this trick also works well to liven up the space.

Apart from being a smart way to spread light in a darker space, symmetrical mirrors, lamps and nightstands also add the perfect touch to most rooms to help them feel cozy.. Darker shades force light up and down from the lamp, so placing the mirror in a way that catches both angles is key.

Home Buyers' Loan Down Payment Options

Dreaming of owning your own home? Let's talk about popular loan down payment options that can make your homeownership dreams a reality!

Conventional Loans:

These loans typically require a down payment of 20% of the home's purchase price. They offer competitive interest rates and flexibility in terms.

FHA Loans:

Perfect for first-time buyers, Federal Housing Administration (FHA) loans require a down payment as low as 3.5%. This option is great if you have a limited budget but still want to dive into homeownership.

VA Loans:

If you're a veteran, active-duty service member, or eligible spouse, VA loans offer incredible benefits, including no down payment requirements. Thank you for your service!

USDA Loans:

Aimed at buyers in rural and suburban areas, United States Department of Agriculture (USDA) loans offer low or even zero down payment options. Perfect for those seeking a quieter, more peaceful setting.

State and Local Programs:

Many states and local organizations provide down payment assistance programs, offering grants, loans, or tax credits to eligible home buyers. Research your area to find out what's available to you!

Remember, each option has its own requirements and advantages. It's essential to consult with a trusted mortgage professional to explore which loan down payment option suits your unique needs.

Opening the doors to homeownership is within your reach. Start saving, researching, and planning today!

Let's get started! Call, text and email me today! 

Laurel Jonas

208-758-9000

208homesforsale@gmail.com

Listing photos are the first chance many potential buyers get to be exposed to your home. This is why being prepared for listing photos and ensuring your home looks ready to sell is a key part in the home listing process. Here are some tips to prepare your home for listing photos!

Clear Off Kitchen Counters & Sink

When the kitchen counters are completely cleared off, buyers can imagine how they might use the space for themselves. Kitchen items and decor only distract buyers can often make the kitchen feel cluttered. You will want to remove everything except a handful of decorative items from the countertops and thoroughly clean all surfaces.

Clear & Clean Bathroom Sinks, Tubs, and Showers

Take all of your bath/shower items and place them into a bin that can go underneath the sink. This can help your bathroom look bigger.  Clear off the counters so that bathrooms look unused, but it is okay to leave clean hand towels and hand soap.

Replace Burned Out Light Bulbs

Make sure you check all of the ceiling lights, lamps, and exterior lights to make sure that they all work and can correctly illuminate your space. If there are dark areas in your home, feel free to add a few extra lamps to brighten them up. Additional light can make an area look more spacious so the more light, the better!

Turn On All Lights Throughout The Entire House

You want your home to be captured in the best light, and so it is essential to have as much light as possible. Before your photographer comes, turn on all of the lights in the house!

Open All Windows

Natural light from windows brings life to photos. Opening all of the window treatments in your home to let in as much light as possible. If it's too bright, your photographer can adjust as needed. Make sure you clean the windows if they will be photographed!

Remove Unnecessary Furniture & Decorations

This is probably the hardest part, but it's one of the most important. Removing and storing furniture that doesn’t bring value to your photos can be hard, but it opens up the floor space and helps to not distract potential buyers. Buyers want to be able to visualize their items in your home and that can be hard to do if the room is cluttered with furniture.

Turn All Ceiling Fans, TVs, and Computer Screens Off

Any moving items like ceiling fans or active TV/Computer screens can look very strange in photos.  You should turn off anything that moves or can cause a motion blur.

Clear Off Appliance Surfaces 

Be sure to remove photos, magnets, notes, reminders, and other personal information from the refrigerator or any other appliance you have decorated. It will not only make your home appear cleaner, but it also keeps your personal info safe.

Make All of the Beds

Be sure to make and decorate all the beds in your home with matching sheets, blankets, and pillows. Use bedding fits correctly and covers the mattress.

New Listings: 627 Down 13.8%
Pending sales: 366 Up 5.5%
Closed Sales: 252 Down 28.2%
Days on Market Until Sold: 63 Up 31.3%
Percent to List Price Received: 97.9% Down 24.4%
Months of Inventory: 3.6 Up 56.5%
Average Sales Price: $713,001 Down 1.6%

Stats are compared to May 2022 previously owned properties only in Kootenai County.️

Buying new construction is a different process than buying your typical pre-built home. What’s included, what’s not, and what’s hidden in that massive contract depends on the builder that you use. As with any situation where you’re moving or about to spend a lot of hard earned money, it’s important to go in prepared – and that means asking the right questions.

The first interaction you’ll have with the builder – and in fact, the first several, at least – will be with the builder’s sales representative. These early meetings are your chance to ask all of the questions you might have regarding costs, labor, and other essentials that you need to know about before jumping in. Write your questions down before you go in so that you can be sure not to forget anything important, and don’t be shy about getting the answers that you need. This is a major purchase, and you don’t want any surprises later.

Not sure exactly what you need to be asking about? These 10 questions to ask when buying a new construction home will help get you started.

Is the lot cost included?

When you’re exploring new construction options, you’ll see that each plan comes with a base cost. This is the cost of the structure itself, as well as base interior and exterior features (we’ll get into those in a little bit). What may not be included is the cost of the land, so be sure to ask if the lot cost is figured into the base.

If the lot cost is included, ask if there are premium costs for certain lots. It’s possible that the base cost does include the lot, but the remaining lots in the development all have added costs for certain features that you can’t opt out of, such as look-out windows in the basement or wider yards. If the lot cost is not included, ask what it is (and whether there are additional premium costs) and factor those into the base price for the house.

How long will building take?

It’s important to know what you’re getting into timing-wise with a new construction build, particularly if you have a house to sell first or you’re going to be renting. While the building process is prone to delays and you won’t be able to get a finite schedule for how long the build will take, you’ll be able to get a general idea of what you can expect. Be sure to also ask if the build time includes the time it takes to get the permits, since those will typically take about 30-45 days to obtain.

What warranties are provided with the house?

Just because a home is brand new doesn’t mean that no problems will arise. Fortunately, most new construction homes come with one or more warranties that protect you in the event of a mishap early on, including a short term whole-house warranty and a longer structural warranty. Ask what the warranties include and how long they last. While you can always buy your own home warranty, you should expect that the builder will cover you in some way for at least the first several years.

What are the standard finishes?

Does a base cost look too good to be true? That might be because the builder is expecting you to spend big when it comes to finishes like flooring and countertops. Ask what types of finishes are included, and better yet, go through the model unit with the sales representative and have them point out what’s standard and what is an upgrade. You likely won’t meet with the design center until after you’ve gone under contract, so it’s important to figure out early what sorts of finishes and appliances you can expect to be included in the home’s base price.

Are you allowed to purchase your own appliances or materials?

Had your heart set on butcher block countertops but the builder doesn’t offer them? It’s possible that you may be able to purchase them yourself and then have the builder install them. Alternately, some builders won’t let you purchase your own materials, but they will let you bring in your own appliances, even on items that are included in the sale, like sinks and toilets. Keep in mind that, in terms of appliances, you probably will have to make some purchases on your own, such as washers, dryers, and refrigerators.

If you can bring in your own materials or appliances, will you get credits?

Let’s say the base price of your new construction home includes a kitchen sink worth $200, but you’d like to upgrade and purchase a sink on your own that costs $400. Will you get $200 off the purchase price for not using the sink that’s included in the base? Some builders offer credits for any upgrades or self-purchased materials or appliances, while with others you’ll just have to eat the cost of the originally included item. Credits are a nice touch, but they’re not usually standard, so it’s best not to go in expecting that you’ll get money off the base cost for purchases like these. In general, builders don’t like to lower the base cost, but if they do offer credits, that’s a win for you.

Is landscaping included?

Depending on the size of your yard, landscaping, including sodding and putting in trees and plants, can set you back several thousand dollars or more. Is that a cost you’ll have to factor in on top of the home purchase? Some builders include your basic yard work, while others leave you with unfinished land that becomes your responsibility to landscape (and generally must be completed in a set amount of time, per the contract). Ask whether landscaping is included, and if so, what that entails and if there is any sort of warranty on the materials so that if your newly sodded grass dies right away or some other mishap occurs you’re not responsible for fixing it.

Does the contract include a cost escalation clause?

New builds are notorious for last minute surprises, but you don’t want to be on the hook financially if it happens. A cost escalation clause allows the builder to charge you for any unanticipated costs that arise as a result of necessary labor or materials. So if lumber prices go up before the builder has purchased the materials for your flooring, or an unexpected delay adds a few weeks onto the build, you’re on the line for those costs. If you’d rather not deal with the stress of unanticipated costs, find a builder that doesn’t include a cost escalation clause in the contract.

Are there any homeowners rules or regulations?

Even if there is no homeowners association for the development, the builder may still set some guidelines as far as what’s allowed and what’s not on your property. For example, you may not be able to use a particular type of fencing or install a shed in your backyard. It’s better to ask this question early and know what to expect than to move in and find out that you can’t bring into fruition certain plans you had for the space.

Are there any financial incentives for using the builder’s preferred lender?

Some builders offer discounts on closing costs if you obtain your mortgage through a company that they have a relationship with. Ask if these sorts of financial incentives are offered, but don’t make your final decision about where to get your mortgage based on the discounts alone – you may still be able to find a better deal through other lenders. It’s still good to know however if there are benefits to working with the builder’s preferred mortgage company.

If it’s your dream to build a new construction house, go in to the process with an open mind and a clear idea of what you can expect. The more questions you can ask in the beginning, the less surprises you’ll potentially face in the future.

And as with any home purchase, be sure to have an attorney read over your contract so that you can be sure everything is fair and equitable. Some buyers of new construction prefer to go in to sales meetings with a real estate agent as well, though in my own experience, I didn’t find that to be necessary. Be smart, ask the right questions, and at the end of the day (or fine, year) you’ll end up with a beautiful home built just for you.

Living in an apartment or rental home does have its perks: You can test out different neighborhoods and locations, you have the flexibility to move, and you have access to great amenities like a gym or pool. But there’s a reason that owning a home, rather than renting one, is a highly desired achievement.

Maybe the thought of having your own place has crossed your mind only recently, or maybe you’re regularly saving a chunk of your paycheck for that future down payment. No matter where you are in the process of considering homeownership, here are the unmistakable signs that you’re ready to buy your first home.

1. You Want to Get to Know Your Neighbors

Because renters don’t tend to live in one apartment for very long, it can be difficult to meet people who live in your building. But when you buy a home and are more invested in your community, it’s easier to forge lasting friendships.

2. You Want to Customize Your Space

Many rental communities have limits on what you can customize in your unit. You may be able to paint your walls a different color, but you may not be able to replace the countertops or appliances that come standard in your apartment.

3. You Want More Space or Amenities

You daydream about having a home with a large kitchen, dining room, basement, garage, or maybe even a home office or bonus room for your hobbies.

4. You Regularly Drive by Your Favorite Neighborhoods

You have a list of at least three communities (or maybe even houses) that you would love to live in when you’re ready to buy a home. You might even attend an open house or two.

5. You’re Eager to Put Down Roots

A home is more than a financial investment. It’s your own space, a private retreat, and the start of a new chapter in your life. You’ll love being able to make lasting memories with your new neighbors and enjoying all the amenities near your home.

6. You’re Constantly Browsing Home Improvement Sites

Instead of scrolling through social media, you’re scrolling through home decor websites or binge-watching HGTV. You now have dozens of ideas for how you’re going to decorate everything from the bathrooms to the entryway.

7. You Have Money Saved Up for a Down Payment

A down payment is essential to buying the home of your dreams. But once you see your savings account grow, you know your new home is just within reach.

In today’s market,  it’s not uncommon to be in competition with several other buyers for your dream home.   When you find that perfect house, with the chic chandelier and the doggy door for Fido,  the last thing you want to do is lose it because your offer didn’t stand out to the seller, Taking the time to put forth a well-written offer can work wonders for a buyer. Each seller and agent may have different opinions on what makes the best offer, but here are some that we’ve found are the most consistent:

1. Include a pre-approval.

If you want to show the seller that you’re serious about buying a home,  get pre-approved before you ever sign an offer.   Not only does it show that you didn’t just waltz up, see the for sale sign and throw something out there, but it also alleviates some of the seller’s worries that you’ll back out when the bank finds out your credit isn’t actually as good as you thought it was.  Be sure to include that pre-approval letter from the bank with the signed offer.

2.  Make a decent earnest money deposit.

When you’re sure you can’t picture yourself without this house,  be ready to boost your earnest money deposit. Earnest money shows the seller that you’re putting your money where your mouth is, and you’re prepared to give up that chunk of cash if you back of the contract for any reason other than those allowed under the contract terms.  There is usually a typical amount offered for your area, so if you really want to look good, go above and beyond that amount.

3.  Remove all the contingencies you can.

Having two mortgages while trying to sell the home you’re in now isn’t really a dream that anyone has, but if you have the cash to do it, it’s definitely going to make your offer more desirable.  Anytime you can waive contingencies in the contract, like the sale of your current home,  it gives the seller more confidence that the deal will go through without a hitch.  Another option would be to shorten the typical time periods.  If it’s customary for your inspection period to be 15 days, shorten it to 10 to let the seller know you’re looking to make this happen quickly.

4.  Make it Your Best

When you’re up against multiple offers,  don’t waste a lot of time expecting to negotiate.  Base your offer on solid research of surrounding comparables and really offer what you’d be willing to pay.  If you don’t,  your offer may be tossed aside for others that did. This includes more than the price, too.  Maybe pay out of pocket for some of those extras, like a home warranty or closing costs, instead of asking the seller to contribute.

5. Get Personal

It’s time to let the seller know why you’re dying to buy their house, and be honest.  Is it because you want to raise your family in the neighborhood?  Do you see Fido rolling around in the big, fenced backyard?  Connecting with the seller and creating a sense of relatability can go a long way, but avoid sounding desperate.  The idea is to keep it short, simple, and honest, and don’t forget to have your buyer’s agent proofread it. Don’t hesitate to go out of the box to make your offer standout to the seller. It may end up getting you your dream home.

Artificial plants may never die, but having live plants in your home will make your home look and feel better. Nothing brings life into a home better than well-maintained greenery.  Most indoor trees are easy to take care of and only need adequate water and a spot where they'll get enough light. You can fill your home with trees or just add enough to a room to beautify empty space. Here are the best indoor plants to add life and coziness to your home. 

1. Fiddle Leaf Fig

You probably have a friend who has a Fiddle Leaf Fig tree in their home right now, and for good reason. They only need regular watering and indirect light, and are the perfect size to add a touch of greenery to a room. Be sure not to overwater this tree, as it will drop leaves quickly.

2. Weeping Fig

This tree is one of the most popular indoor trees. It has slightly arching branches and can fill out quite well if taken care of. Like the Fiddle Leaf, it prefers indirect light but it doesn't like cold drafts or hot, dry air. This tree is best kept away from doors and A/C vents. The Weeping Fig is known to shed less than a quarter of its leaves in the fall and sprout them again in the spring, so keep that in mind when buying one.

3. Areca Palm

If you want to add a beachy vibe to your home, this feathery palm will do just that. It thrives in bright spaces and can grow up to 10 inches in a year, reaching 6-7 feet indoors. In the spring and summer, the Areca Palm likes light, constant moisture. During the winter months, it works best to let it dry out a bit between waterings. 

4. Rubber Tree

The Rubber Tree is one of the easiest to grow indoors. If you want a darker-colored plant, consider this tree that only requires moderate light. Occasional pruning will help the tree look its best, but be sure to wear gardening gloves to keep the sap off of your fingers. 

5. Ponytail Palm

If remembering to water plants isn't your forte, this is the plant for you. The Ponytail Palm stores moisture in its base so it will be just fine if you forget a week or two of watering. The plant has long, strappy leaves that add the perfect touch to a contemporary room. It prefers indirect, bright light and is slow-growing.

6. Lacy Leaf Philodendron

If you're looking for an easy plant that will live long, this is the one for you. With massive glossy leaves, this philodendron can grow up to 6 feet wide, so keep this one in mind if you have a large space to fill. This plant only needs watered when the soil becomes dry and requires moderate light. 

When you choose to make improvements to your home, you probably think about design and decor options, paint colors, if the project will increase your property value, or if you’ll need to hire anyone to help you with the job. But there is another, extremely important consideration you need to make – whether or not you will need a building permit for your project.

It is essential for homeowners to know which projects require approval and the potential consequences for making changes without it. So before you start tinkering with electrical wiring or knocking down walls, make sure you understand the ins and outs of building permits and when they are required. 

What is a building permit?

A building permit is a legal document issued from the local government that allows you to proceed with construction on a project. Building permits ensure that your home improvement or remodeling project meets important requirements that minimize potential health and safety risks, such as structural collapse, fire hazard, and electrical shock. Though obtaining a building permit may feel like a nuisance, it’s important to remember that the process is put in place to keep you and your family safe and to protect your investment

Home improvements that require a building permit

Although requirements vary from city to city, the general rule of thumb is that structural, electrical, plumbing, or mechanical work will require a residential permit. Here is a breakdown of the most common home improvement projects that require a building permit: 

• Fencing installation or repair: When you install or repair a fence, it’s important to check with your city to see if there is a height restriction. Be sure to have a fencing contractor inquire about such restrictions to avoid having to cut the fence or take it down after installation.

• Window installations: When you install new windows that are bigger than your old windows, a permit is required to cut holes for them. This will also include cutting holes for skylights and new doors with windows. Be sure to reach out to a professional window installer who can acquire those permits.

• Plumbing and electrical work: When installing or replacing plumbing, you will likely need to submit a permit application. The same rule applies when installing or replacing electrical wiring, whether it’s an outlet, switch, ceiling fan, or overhead lighting. The cases where you won’t need a permit or inspection include smaller projects like repairs and light fixture installations.

• Structural changes: When you make any kind of structural changes to your property, the contractor will need to obtain a permit. This may include changes to the load-bearing walls, balconies, decks, porches, roofs, or foundation flooring.

• Heating maintenance: If you replace the water heater, the heating contractor you’ve hired to do the work will need to get a permit. Changes to the ventilation system, gas and wood fireplaces, and ducts will also require a permit. This does not include filter changes, motor lubrication, or equipment cleaning.

• Additions and remodels: Additions, new construction, remodels, repairs, replacements, and upgrades totaling $5,000 or more will require a permit. This will include detached structures like garages, sheds, and platforms. Exceptions to this rule include construction that’s less than 200 square feet, as well as painting, carpeting, and wallpaper.

Home improvement projects that don’t require a permit

There will be some home improvement projects that won’t require a permit, like small plumbing and electrical projects. Other projects you can do without a permit include:

•  Painting and wallpapering
• Installing flooring like hardwood, carpeting, linoleum, or vinyl tile
• Minor electrical repairs
• Installing new countertops
• Installing or replacing a faucet
• Landscaping work

As mentioned, rules vary from region to region, so just because someone you know didn’t need a permit, doesn’t mean you won’t. If you’re unsure, contact your local building office and ask. It’s better to check beforehand, as the call could save you a lot of time, money, and stress.

Who gets the building permit?

If you hire a contractor to complete the project, they will most often obtain the permit. This is because, generally, the person or company who pulls the permit is also the person that is responsible for making sure the project is up to code. If you pull the permit yourself, you will be considered the contractor (in the eyes of your local government) and therefore, are liable if there is a construction problem. 

What happens if you don’t get a building permit?

Unfortunately, homeowners often decide not to get a building permit as a way to save time and money. However, performing work on your home without the necessary approvals can put you in direct violation of city codes and regulations. Some possible consequences for not getting a permit include: 

If code enforcement authorities become aware of your violation, there can be fines and penalties that far exceed the cost of the original permit. In addition, government officials may require homeowners or contractors to tear out work and do it over.

If you try to sell your house in the future, a home inspection will likely be conducted. The inspection may uncover any home improvement projects that were done without the proper permits. This can hold up a home sale and you may even have to undo the previous work and start again.

In the unfortunate event of a major plumbing problem, fire, or structural collapse, if it’s discovered that the problem is the result of work that was done without a building permit, your homeowners’ insurance may not cover the damage.

Building permits can sometimes seem like a hassle. However, in many cases, getting a permit could mean giving up less than an hour of your time and spending a few hundred dollars. With all of the potential consequences at stake, you’re better safe than sorry.  So if you need a building permit for your home improvement project, do yourself a favor and be sure to get one.

Laurel Jonas

208-758-9000

Northwest Realty Group

208homesforsale@gmail.com