Roger's Blog

I treat each day of work like a sporting event.  It is game day.  I have a morning routine that includes spiritual quiet time and exercise, and that feeds an energy that carries into the day.  I dress for success, I get in a positive mindset and I attack the day with high energy.  When I walk int...

In the Boise area our home values have dropped for the last 2 years.  Some experts are saying our values are at 2001 levels.  This leaves many people feeling that they cannot take advantage of today's low rates.  If you have an existing FHA loan, you are in luck.  FHA Streamline Refinance loans a...

The new Home Valuation Code of Conduct that became de facto law on May 1st has already started to increase the appraisal costs to the borrower.   One of my lenders is now asking for $450 for an appraisal that used to cost $375.  Another one of my lenders, Idaho Housing is asking for a $500 check ...