Mortgage Rates
Can I Ask the Seller to Buy Down My Interest Rate?
Yes. You can ask the seller to pay for a rate buydown as part of your offer, and in the Treasure Valley right now a lot of sellers are saying yes. In October 2026, 53% of home sales across Ada, Canyon and Elmore counties included seller-paid closing costs, with a median of $10,000. The main limit is your loan type, which caps how much the seller can contribute. With 30-year rates averaging 7.18% in Freddie Mac's November 5 survey, the monthly payment is what's stopping a lot of buyers I talk...
Treasure Valley Market Update: What September's Numbers Mean for You
If you've been watching mortgage rates creep up and wondering whether now is a terrible time to buy or a great time to sell, you're not alone. I get some version of that question almost every week. The honest answer from September's numbers is that the Treasure Valley isn't one market right now. It's at least two, and which one you're in changes the whole game. Here's what the latest data from Boise Regional REALTORS and the Intermountain MLS shows for September 2026, and what I'd actually do...