Quick AnswerIf you plan to sell your Treasure Valley home within the next year, replacing your roof may or may not be the right investment. A new roof can improve buyer confidence, reduce inspection concerns, and strengthen your home’s market appeal. However, if your roof is still functional and only needs minor repairs, investing thousands of dollars before selling may not provide enough return. The...
Losing a parent is one of life's most difficult experiences. Unfortunately, many families are left with complicated financial questions long after the funeral is over. One of the most common is: "I've been paying my deceased mom's mortgage for years, but the loan is still in her name. Is that okay?" The short answer is yes, you can often continue making mortgage payments after a parent dies....
Quick AnswerBeing approved for a refinance but not approved for a home equity loan is usually caused by differences in lender requirements. A refinance replaces your current mortgage, while a home equity loan creates an additional lien against your property. Because a home equity loan increases the lender’s risk, approval often requires more available equity, stronger credit, and a lower...
Quick Answer Usually, no. An HOA generally cannot redefine a privately owned deck as limited common property simply because it later realizes who owns the underlying land. Ownership and maintenance responsibilities are determined by the recorded declaration (CC&Rs), plats, deeds, condominium declaration (if applicable), and applicable state law—not by the HOA's previous...
Quick AnswerA fixer upper home in Boise Idaho that has been on the market for more than 100 days isn't automatically a bad investment. In many cases, extended time on the market creates an opportunity for buyers to negotiate a better purchase price, request seller concessions, or secure favorable terms. However, the key is understanding why the home hasn't sold. Some properties simply need cosmetic...
Quick AnswerRefinancing your home at 69 can be a smart financial move, especially if you have an excellent credit score. Age alone does not prevent you from qualifying for a refinance. Instead, lenders focus on your income, debt-to-income ratio, home equity, and ability to repay the loan. If refinancing lowers your monthly payment, shortens your loan term, or helps you access equity responsibly, it may...
Quick AnswerIf you're downsizing from a $1.3 million home in Eagle, Idaho to a $600,000 home, your current property tax cap does not transfer to your new home. Idaho reassesses the replacement property based on its own market value. However, if the new home is your primary residence, you may qualify for the Idaho Homeowner's Exemption, which can significantly reduce your taxable value. Understanding...
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