Nicole Nimmons Blog
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- 2026 | 28 Posts
- 2025 | 52 Posts
- 2024 | 50 Posts
- 2023 | 55 Posts
- 2022 | 83 Posts
- 2021 | 70 Posts
- 2020 | 47 Posts
4
Understanding Mortgages
Most people can't afford to pay for a home with cash. Rather, they must qualify for a mortgage, which is a home loan, typically from a financial institution. A mortgage is made of three components:
- Down Payment - This is the amount of cash you bring to the purchase. Typical down payments range between 3% and 20% of the home's price - the higher the down payment, the lower the mortgage. On many conventional loans, a down payment of 20% or more allows you to avoid private mortgage insurance (PMI), which can add a meaningful amount to your monthly payment. PMI costs vary based on loan size and other factors, so it's worth asking your lender how it would apply to your specific loan.
- Monthly P...
2
Summer Berries in the Treasure Valley: Where to Pick, Buy & Enjoy Idaho's Sweetest Harvest
From strawberries in early summer to raspberries and blackberries later in the season, berry picking is one of the sweetest traditions in the Treasure Valley. Whether you're gathering a basket at a local U-pick farm, browsing the farmers market, or stocking up to make homemade treats, summer berries are a delicious way to celebrate the season.
Where to Pick or Buy Fresh Berries
The Berry Ranch (Nampa)
A longtime Treasure Valley favorite, The Berry Ranch is known for its U-pick strawberries and seasonal produce. Check availability before visiting, as picking dates vary based on weather and harvest conditions. 7998 Highway 20/26
28
New Home Sales Are Slowing: What Ada County Buyers and Sellers Should Know
New Home Sales Are Slowing Nationally — What Ada County Buyers and Sellers Should Know
National housing headlines are showing pressure. According to recent Census Bureau data, U.S. new single-family home sales fell 6.2% in April, while new-home supply rose to 9.4 months. That is well above what builders typically prefer and explains why many builders are using incentives, smaller floor plans, and lower-cost options to attract buyers.
But Ada County is telling a more balanced story.
In April 2026, Ada County had 908 closed single-family home sales, up 21...
21
Downsizing? What to Look for at an Open House When You Want Your Next Home to Last
Downsizing With Confidence: What to Look for at an Open House When Aging in Place Matters
Downsizing is often described as "moving into something smaller," but that is not really the full story.
For many aging adults, downsizing is about choosing a home that feels easier, safer, more manageable, and more supportive for the next season of life. It may mean less yardwork, fewer stairs, better access to medical care, closer proximity to family, or simply a layout that works better for everyday living.
And for adult children helping a parent make this decision, the open house can bring up a lot of emotion. You may be trying to balance safety, independence, finances, family concerns, and your parent's desire to stay in control of their own life.
21
Not Ready to Buy Yet? Here's What to Consider at an Open House
Not Ready to Buy Yet? Here's What to Consider at an Open House
Walking into an open house can feel exciting, intimidating, and a little awkward — especially if you are interested in buying someday, but not quite ready right now.
Maybe your timeline is six months out. Maybe it is a year away. Maybe you are just curious what is out there, what homes cost, or what you would need to do to be ready.
Here is the good news: you do not have to be ready to write an offer to start learning.
In fact, attending open houses early can be one of the smartest ways to prepare for homeownership. It gives you a real-world look at pricing, neighborhoods, layouts, condition, updates, and what y...