Today on the buzz we are talking credit scores, home disaster remediation and the fall parade of homes. join us to find out how this applies to you in your home ownership!

Seg 1

Dave: This is the Idaho Real Estate Buzz I'm Dave Burnett along with Thom Dallman of CORE Group Realty, coregrouprealty.com is the website, 933-7777 is the phone number to call. Thom, another great weekend to buy a home!

Thom: Oh yeah. It's always a good weekend to buy a home, isn't it?

Dave: Especially if you're in real estate it is, or if you're trying to sell a home it's a great weekend to do that.

Thom: Yeah it's still a great market for that, we still have low inventory, so people are, as long as their home is priced right, they are still getting offers. We still have buyers coming in.

Dave: I want to talk about that in just a minute about that pricing the house and how that works, but first I want to encourage you to go to the website, that is coregrouprealty.com, you can check that out if you're looking for a home or maybe just kind of kicking tires and thinking about it, it is a great website for you to go to kind of get an idea of what's out there. Coregrouprealty.com, that is CORE with a "C." Coregrouprealty.com to just kind of find out what's out there and what's happening in the marketplace as well.

Thom: Exactly. One of the new features that I'm really excited that we're going to have up and running on it as well are some featured neighborhood events and places to go, so if you're new to town and once again just out there kicking tires and seeing what Boise has to offer. We're going to have some great location details and stuff like that on there, featured attractions if you will of different things Boise has to offer.

Dave: And I know there are a number of subdivisions and communities that get together, the North End they have a lot of activity. They just got done with the Hyde Park Street Fair last weekend. You have that activity going on, in the Meridian area they do different things, there's different places where in Spring and Summer they show outdoor movies for free. Al of that kind of factors in when you consider your lifestyle and where you want to live.

Thom: Exactly, as you're looking at homes, those community things are so important to be looking at because you do, depending on your lifestyle and what not, want to know what there is to do in the community, is there things to do, places to go, what's nearby and stuff like that. So it is one of the important factors definitely for a lot of people when they're looking at homes.

Dave: Something to check out at coregrouprealty.com the website as they begin to get that feature up and running. I want to talk a little bit about, you mentioned "as long as the price is right." Competitive pricing. 

Thom: Yeah, so important!

Dave: We were talking before this before the show started that you've talked to a number of people who have called that have had their house listed with other agents and the house hasn't sold and upon further investigation you kind of find out why.

Thom: It's been an interesting phenomenon and I think people are listening to us and kind of understanding that need to kind of get out there and talk to other agents and get second opinions and what not which is great, I think everybody should do that but we've had this interesting phenomenon these past couple weeks of people calling in to say "Hey, I've got my house listed, it's not selling, I don't know if my agent's doing the right thing, could you give us some advice?" So we sit down and do a market analysis, look at the listing, look at the pictures, make sure the marketing is there that the agent's helping out with marketing, trying to put together our advice on how we think it's going. And we're noticing a trend towards prices being over what the market can hold because you know you have to compare it to the rest of the houses in the neighborhood. You can't sell a house for more than what the market will hold. People are too savvy about that.

Dave: Just because you want to you can't do it.

Thom: Just because you want to or because you think your house has more curb appeal than the house next door that sold, it's kind of, I use the analogy of if you're going to the store and you see two loaves of bread, one has a beautiful package but they're both the same, you're not going to pay $5 more for a loaf of bread because it has a pretty package around it. It's the kind of the analogy I use people aren't going to pay more just because the house is necessarily pretty that much more.

Dave: And you can't compare your house to Uncle Bill's house because if it's not in the same neighborhood everything's a little different.

Thom: Exactly, yeah there are pockets where people are, subdivisions where houses do command a higher price and so when you look in the grand scheme of the neighborhood and stuff like that it can go both ways. It can show a higher price or a lower price. It's really important to listen to your real estate agent and to heed their advice on pricing and if you have an agent that is, I don't know how to say this except just kind of laying back and saying "Oh, fine! If you want to list it at that price, I'll list it at that price." And it sits there for 30 days, 60 days with no action, nothing happening, it's really kind of doing a disservice to yourself because the perceived perception out there in the marketplace as buyers are looking at this "Wow this house has been sitting there for 60 days there must be something wrong with it" and all's it is is that it's been overpriced. So really, I just advise people, listen to your real estate agent, listen to their advice, make sure that you're looking at the comps and that they're showing you the valid comps in the neighborhood and making sure that they're giving you the correct advice on pricing and stuff and following that advice.

Dave: Very important, and also CORE Group, more than willing to talk to you, but if you are under contract, that's a whole different thing. If you're under contract but ... and maybe that's a good idea. If you disagree with your real estate agent, even if it's Thom, go get a second opinion. Talk to another real estate agent, and if they tell you the same thing, you probably should listen.

Thom: Exactly, and we are more than happy to give second opinions, we're not trying to get people's business and steal from other agents, but if you're starting to doubt, we're really good about saying "Here's some advice, talk to your agent, and have them do this." We're not trying to steal people's listening or other agent’s listings or anything like that, we're just here to provide a service of an extra ear or eye to look at the market and stuff like that.

Dave: And nothing's more frustrating than to have your house for sale and you look around the subdivisions and other houses are selling and yours isn't, it's like "Oh man! What in the world?" So just listen to your agent and make sure, and we've talked about this before, when you list your house whether it's with CORE Group or not, make sure it's a qualified agent, somebody who knows what they're doing. There's a lot of great agencies, a lot of great companies out there, and make sure you take care of yourself because this is the biggest transaction most of us will make in our life. So important to do that. You know, one of the things as we move into this time of year is the fact that the weather is changing. You can tell that already. And the way your house is presented, the way it shows, everything that takes place ... a little bit different!

Thom: Yep! The Fall as kind of the green kind of goes to the yellows and browns ...

Dave: And the leaves begin to fall off ...

Thom: And the leaves begin to fall, you definitely want to, if you're thinking about selling anytime soon, to really kind of ... I encourage people to do it sooner to capture while it's still in that transition phase and you're raking your yards before photos, you're cleaning up the debris in the gutters, you're keeping your house presentable on the exterior and you're really kind of focused on that stuff if you're going to get professional photos done and so forth. In this timeframe.

Dave: I'm mowing my lawn every other week now but boy I pick up a lot of leaves when I do it every time. They're beginning to fall off the trees.

Thom: They're beginning to trickle into my garage from the driveway.

Dave: And those are the little things that make a difference when it comes to curb appeal. Somebody pulls up, if your yard is full of leaves, they're not going to see the house as ...

Thom: No, they're going to look at the house and go, "That's a whole lot of work!"

Dave: You don't want them seeing that aspect.

Thom: Everybody likes to participate in that Rake Boise project we do every year because to me, raking leaves is just kind of a zen moment. Put on my earbuds, listen to my music, rake leaves.

Dave: Seriously?

Thom: Yes, I'm one of those weird people!

Dave: I'll get you my address and you can come do it, because it's like "Let's cut down trees, let's put up evergreens I want to get rid of those!"

Thom: That's when I do it for Rake Boise, in my own yard, I don't like to do it.

Dave: Ah, it's like the busman's holiday, I see how it is! But if you have any questions on how to present your house, how to stage it for sale, they can answer those questions for you at CORE Group Realty. I encourage you to stop by the website coregrouprealty.com or stop on by their offices as well right here on Emerald right up from the Boise Towne Square Mall, you can't miss them.

Thom: Just West.

Dave: Just West, and they are on the South side of the street. Did that confuse you? Put it into your GPS you'll find it, CORE Group Realty. We're going to be talking a little bit about finance in a little bit. Molly's going to be with us from Diversified Mortgage to talk about what's happening in the marketplace. We talked to her last week and several other things in store for you. As we're talking all things real estate and I like to say we like to give you knowledge, a little bit of power as you go out to buy or sell, and it is still a buyer's market, right?

Thom: It's a seller's market!

Dave: A seller's market!

Thom: Inventory is low and we still have a lot of buyers still looking, just this last weekend one of my agents wrote up three contracts.

Dave: Oh nice!

Thom: Yeah so we have a lot of buyers out there still looking and still wanting homes and unfortunately this time of year people tend to draw back and think "Oh it's the Fall, I don't know if people are buying homes in the Fall so I don't know if I should list." It's a great time to list. Everybody else is thinking that same thing so inventory's going to continue to drop for the next month or so. So you might as well get your house on the market, it's a great time to get a great price for it, lots of buyers still out there. Lots of people looking to buy.

Dave: And I heard a news report this morning that interest rates come December, January, may be creeping up a little bit.

Thom: Exactly. I've been hearing that in the next they're going to creep up a whole other point so definitely for buyers, time to get going before the interest rate goes up and you're paying that extra point.

Dave: We'll continue on the other side. We call this the Idaho Real Estate Buzz as we talk all things real estate with Thom Dallman of CORE Group Realty. Coregrouprealty.com 933-7777 somebody standing by on that customer service line to talk to you and meet your real estate needs. We'll continue here on the other side on 580 KIDO.


Seg 2

Dave: This is the Idaho Real Estate Buzz I'm Dave along with Thom Dallman of CORE Group Realty, coregrouprealty.com is the website, 933-7777 is the phone number to call and we always talk to the folks Thom at Diversified Mortgage. One of the sponsors of this program each and every week.

Thom: Love Diversified. They're awesome over there.

Dave: We do. 

Thom: Great partners!

Dave: Today Michelle Guth is in training, sitting in a seminar somewhere.

Thom: Always that pursuit for knowledge, making sure they're the best. That's what they do!

Dave: So Molly, who escaped the training was able to come over and spend some time with us today, we appreciate that, thank you Molly!

Molly: My pleasure! Thank you!

Dave: You know something we touched on last week when we were talking on the show, and that is credit scores. And after we were done putting the show together we just talked a little bit and I found it fascinating ... you see ads on TV all the time and FICO is a word that comes up a lot, your FICO score. What is it and how is that derived?

Molly: Well FICO is actually specific to one of the major bureaus, Equifax and TransUnion are the three. They all have their own score. FICO has become sort of the "Kleenex" of the credit scores. How a credit score is derived is it's unknown, it's one of those mysteries, they don't actually tell you but you can actually go to fico.com and read about how it is in a general way derived, right? I guess that's a good word. So mortgage lending is actually the strongest trade line that you can have in your credit. It gives you kind of the biggest boom for your buck sort of thing. It takes about six months for any new trade line to really have an impact on your credit score, with the exception of anything derogatory. That's going to hit right away.

Thom: I was going to say, except if you miss your payments!

Molly: Right. That one you'll see it right away but when you're building credit it does take about 6 months of that trade line being reported. So one of the biggest misconceptions is people open up a card like you go to Kohl's and they say "I'll give you 30% off if you buy this!" and then tell you to use the card, get your 30% off and then you can just walk to the back of the store and pay it off. And that's great if you don't want to carry a balance and sometimes people think "Well, I used it, I opened it and I paid it off." Well unfortunately that card is never going to register that balance you paid it off too fast. When you have revolving debt the only real way for that to show utilization is if it actually captures with the balance and can actually show that payment history. And credit is truly a snapshot in time. Everybody has a different day of the month.

Dave: It just seems wrong though. I mean, what you're telling me basically is that the best way to improve my credit is to go ahead and go into debt a little bit. Isn't that what you're saying?

Molly: It is, a little bit! However, they recently have changed so the well-established borrower/client/consumer, the ones that use a credit card for everything during the month and then pay that balance off, that actually kind of was frowned upon in the world of credit score for a long time and so in the last year that has actually changed and that is actually reflected as a good thing. To have that kind of payment history. So remember that's a snapchat in time. So they are going to get you with the balance and so ... and that company is continuing to report that you are making your minimum payment, it doesn't matter if it's all of it or a little bit of it. But a way to kind of hold out on that debt is to make sure that you're not using all of it. So when we talk about debt, one of the credit score components is making sure that you're not utilizing more than about 30% of your available credit. So as you get older and more experienced, you see your lines of credit continue to increase, that actually is very helpful. When you're starting out, and you have a 3 or $500 limit a lot of times it's hard to kind of keep that balance down to $150 even though you might be paying that off if that snapshot in time comes and your balance is $450, it actually can have kind of a negative impact on it because you're utilizing too much of that available credit. 

Dave: FICO scores and credit. By the way, if you want to find out more about your credit, and how you can repair your credit or where you stand, you can always get a hold of Diversified Mortgage, and Molly how do they do that, what's the phone number there?

Molly: Our number is 208-853-7878

Dave: By the way to keep legal and compliant I do need to tell you Diversified Mortgage is an Equal Opportunity lender, so they will follow all the rules and guidelines that go with that. Which brings me to my next question. I know from personal experience that there have been times where we have been approved for a loan for a home through a I guess I would say a traditional financial institution, but really when we sat down and looked at it, they were giving us more to bite off than we could chew. Does that happen sometimes with lenders where they'll approve you for more than you really should be paying?

Molly: It does, unfortunately. A lot of times some of the initial approves are sort of a pre-qualification or a pre-approval, and some of those conversations are verbal conversations where I would sit down with you or Thom and say "This is how much my debt is, this is how much I make. What can I get approved for?" And it's very generalized. Typically, they will pull your credit to do those pre-quals and stuff and they may not see your income and stuff and they may not know that you might have child-support.

Dave: Or child-care.

Molly: Or work-related expenses. Maybe you have to pay for an apartment out of State because you work there three or four days a week. There are a lot of things that go into that calculation of debt to income and the other biggest thing is that a lot of times when people say "How much can I borrow?" they will actually even if they are looking at a full loan package, they will look at the very maximum that that program will allow and what's scary about that is those debts to income ratios can actually be stretched a little bit. Especially with some of the government loans that are out there and it might be ... it's all a sale ... everybody's into the sales and they think you're going to grow into the house and you might make more money so it might be uncomfortable right now but it will be OK in a year or two.

Dave: That's an assumption.

Thom: And I don't know if you do this or not but I like to have a conversation with buyers too, also think about how often you go out to eat, how often ... those things are not things that are tracked, that aren't calculated into that stuff but you need to make sure that you know your budget and know how much money you're spending on those outside things that are not tracked so that you are making sure that you're staying within that comfort level. You don't want to buy a house where you all of a sudden have to eat ramen noodles because you can't really afford to go out to eat because all of your money's going to your house payment.

Molly: Right or your moving box is your table in the living room.

Thom: Exactly, that's a conversation that we usually have.

Molly: And that's why we like you guys so much. A lot of times buyers will come in Thom when we talk to them and they are already saying "I do not want my payment to exceed 'X'." And that's where they need to stay. The borrower's the only one that knows what they're comfortable with. Not me. Or not our loan originators.

Dave: So how do you at Diversified, how do you go about that? Is there something that you do to kind of educate the borrower to make sure that they're not biting off more than they can chew?

Molly: Well what the loan originators will do when they sit down with them is they'll ask them first "Tell me what payment you're comfortable with." And Thom and his team has already had that conversation in regards to what their budget is, so Michelle will spend a lot of time working backwards from that. So the borrower tellers her "I am comfortable with $800 a month." Well that $800 a month isn't just principal and interest and a lot of times that's what people look at because that is your house ... Some lenders will think of that as your house payment. But a house payment includes taxes and insurance and if there's if there's Home Owner's Association dues.

Thom: So many different things that can go into that.

Molly: Even if they borrower is paying all of those things on their own, it is still part of the house payment.

Dave: So it's good to just be aware just going into this of what the cost is of owning a home. Because there is additional hidden costs.

Thom: There's maintenance on the home, I mean there's so many different little things that can pop up throughout the ... when you own a home.

Molly: A great resource for that is Idaho Housing. Whether you utilize any of their programs or something they have great information on their website and a lot of information in regards to what it is to own a home. I know that Thom and his team also provide a schedule I've seen I think "Don't forget to open your vents, don't forget to check your gutters." Those are things when I bought my first house I had no idea. I don't think I opened the vents under my house for the whole 5 years I lived there!

Dave: But hey we're hitting that time of year to check those gutters and adjust your vents. I guess it comes down to this, Molly with Diversified Mortgage. I laugh because I've had people say "That's why I rent! I don't want to have to pay that extra stuff." Well I've got news for you. Your landlord's including that into your rent. You're paying for it one way or the other. So it truly is a good investment to buy a home if all the circumstances are right. You're planning on staying here. And Thom, it is a great time to make that investment.

Thom: Oh yeah it's a great ... it's a really great time to make that investment. There's always kind that little bit of talk in the background that interest rates are going up over the next year so a 1-point increase can really be quite a bit to a payment so it's definitely a great time to buy. Buyers are kind of hearing "Oh it's a seller's market, sellers are kind of getting what they want."  But buyers still have some leverage and some ways of getting into homes and with the interest rates being so low, it's a huge time to get into a house and get something that you want.

Dave: Molly is with Diversified Mortgage. Molly if somebody wants to talk to you about their credit, and that's something ... it's not credit counseling but you will go and I think you do also have people that can help repair their credit as well if you're in a situation and you're trying to get a home loan some advice to go to. How do they get a hold of you there?

Molly: Well our loan originators are all trained on talking about where they are right now and coming up with a future plan that's actually one of our best attributes and you can actually give us a call at 208-853-7878.

Dave: This is the Idaho Real Estate Buzz. We'll continue on the other side here on 580 KIDO.


Seg 3:


Dave: This is the Idaho Real Estate Buzz I'm Dave Burnett along with Thom Dallman of CORE Group Realty, and we're joined by a guest, you have a number of vendors that you work with there at CORE that you've just developed a relationship with. The folks at Servpro is one of those vendors that you work with quite a bit.

Thom: Yeah, if anybody checks out our website you can see the list of our service providers the people that like you said we've had good relationships with and build those relationships. People that we trust that will do a good job for our client's and on behalf of our clients they have a really good history and track record of doing well. We have Kyle here from Servpro to chat a little bit about Servpro and kind of the disaster relief of what they do and their services.

Dave: Kyle, welcome to the show and I guess you're the guy that nobody really wants to call. And I don't say that out of disrespect, but when you need it, you're there.

Kyle: That is absolutely true, in fact when people do call me I already know that they're having a bad day but we're there just in case. We hope for the best but you kind of got to plan for the worst sometimes. We're always there in case of fire, water damage, and then mold remediation.

Dave: I guess one of the questions I want to ask is, OK let's say God forbid and the unthinkable happens, you have a fire in your home. The fire department comes, they put the fire out, they leave, and there you are. What is the next step if I've just had a fire and I have damage in my home?

Kyle: So the next step of course is to remain calm, it just happened, it's going to be a lot of people in and out all of a sudden and you're left with this huge mess and you're thinking what do I do? One of the first steps that people normally do is they call somebody they trust. That might be their insurance agent, that might be their real estate agent, that might be their friend that they know has connections. Eventually though it should come around to using a restoration company like Servpro and getting somebody in there to take a look at it and we do work with those insurance companies as well really really tightly with them and make sure that it gets back to pre-loss condition is what we like to call it. We're trying to restore the place that you're in and make that place a home again for you.

Dave: It's gotta be tough, because a home is such a personal thing Thom as you know trying to sell homes. It is such a personal thing then to have something like a fire take place. You've got the smell that runs through the house, you've got the fire damage, you've got more than anything sometimes in a fire is water damage.

Kyle: That is true. So first off, in a home we do realize that there's a lot of irreplaceable items like sometimes you might not be attached to a couch but you might have a particular painting or something that is a family heirloom that you want to keep. Smoke damage will coat everything with a resin and depending on what kind of materials were burnt in the fire, that resin can be toxic and that can cause serious issues down the road. One of the fire jobs I was in as I was helping clear stuff out, my skin was like burning. I had all the PP appropriate personal protective equipment on and still got affected by it, it's crazy to see how much and that was just on a small fire. So our goal is to come in and restore first, replace second. We want to try to keep as much of those irreplaceable items. And one thing that people don't consider is after a fire, one of the protocols that the fire department goes through is they want to make sure the fire doesn't continue so they saturate everything with water to make sure that fire doesn't go. So now you've got fire damage and water, and if that water's not taken care of, it could lead to mold later on down the road and a disaster becomes even worse.

Dave: I think it would be safe to say the average homeowner, it's not something you're going to fix yourself. I don't think I'm going to come strip the sheet rock and insulation out of my house and do that, I don't think the average person is going to do that, are they?

Thom: Well I get the creepy crawlies just hearing about that toxic, the toxic stuff from the fires. I've never thought about that and I know we've talked about in the past. It kind of gives me the creepy crawlies thinking about the toxic fumes, the resin that's coating stuff and as a homeowner you don't want to deal with that. Why would you?

Kyle: And even if you were thinking about maybe tackling something like this on your own, there's a lot of other facets to it like if your air conditioning is still going on during the fire loss, it can actually push all of that toxic residue into your HVAC system. It is a huge project to tackle, that's why it's good to have somebody professionally out there and go line by line to follow their protocol to make sure it's done correctly.

Dave: So I guess it's that peace of mind whether it's Servpro and other disaster companies, they'll come in and tell you you'll tell the people where they stand, here's the next step and you kind of walk them through the process?

Kyle: That is true, and then we also like I said work really closely with whoever they call whether it's an insurance agent or something like that because hopefully that kind of thing is covered. We basically try to, my particular job is to open up that avenue of information and that way, if they need to contact somebody and find out what's the next step? I'm that go-to guy for them. We not only provide that knowledge but we kind of help them walk through the process, we'll educate them along the way and that way they're never left in the dark and they kind of know when to expect certain phases to get done.

Dave: We're talking to Kyle of Servpro. By the way, you pulled up in that green truck. Those green trucks seem to be everywhere.

Kyle: That is true, if you haven't seen them yet once you do see them you won't be able to not see them. They are a very distinct bright green color. 

Dave: I'd call it Shrek Green.

Kyle: Shrek Green would be appropriate. We prefer to also call it Servpro green.

Dave: I guess you would wouldn't you?

Thom: Servpro green!

Kyle: The story behind is kind of interesting too, when I first started here, they have some classes to kind of introduce you to Servpro and one of the things that was kind of interesting was the color was not chosen because somebody liked the color, they chose it because it's obnoxious and it stands out. So what they really wanted to do is use that as like a way for people to easily recognize us. In the event of a loss and people are like "Hey this company is coming" and maybe you've never heard of us before but they're going to show up in the green trucks and you'll have no doubt in your mind "This is Servpro, they're professionals, they're here."

Dave: Let's talk about one of the other aspects that can be damaging, and that is mold. It seems to be there was a time 10-15 years ago that if you were told you had mold in your house you may as well burn it down because you couldn't fix it. That's not really the case, is it?

Kyle: That is not the case anymore, it really wasn't the case then, but since then we've come a long way in figuring out how to deal with that. So first steps with mold is you need to contain it. You never realize the spores can be everywhere and cleaning it up properly can prevent those spores from spreading while it's cleaning if you don't do it properly it can actually make the situation worse. Trying to do it from home without knowledge, if you're trying to do it yourself, I appreciate the work ethic. I do a lot of project in my house as far as reconstruction goes but if you're trying to do something like that, if you don't do it right it can really make it worse and spread all over the house and it's bad. Turns a small job into a big job.

Thom: I always thought you could throw bleach on it, so ...

Kyle: So, bleach I don't want to get too much into the technicality of it but basically it could kill surface stuff but it won't thoroughly kill it and the stuff that it does kill is going to drop and release spores and it just basically will actually make it worse. There is a certain way to go about it, certain steps to go and those are the protocol we follow set for us by corporate and basically one of the benefits of having the nationwide presence like we do is as we go along, we learn from each of the different franchises we have over 1,800 now and corporate's always constantly figuring out what's working and what's not and so we're pretty good at our process for dealing with mold.

Dave: Well I guess during this Summer water obviously is the bad guy here when it comes to mold so during the Summer it's probably sprinklers, irrigation, or a broken pipe. In the Winter time could it be things like your downspouts not being properly set so it's basically dumping water into your crawl space?

Kyle: There is all sorts of potential causes for it, and you're absolutely right. Water is the #1 cause. And it could be from stuff like ... and actually during the Winter sprinklers not being purged, the pipes can crack. When people leave for vacations they might think "Oh I'll save some money and not have the heat going" but if you don't leave it at least at 52 I think is the rule of thumb there, pipes might burst and freeze and it might even be a small leak and that small leak over time can create mold.

Thom: Exactly one of the things that we've been seeing commonly on inspections recently is the bathroom fans and dryer vents not being attached to the outside vents. They can become detached through use and what not, through time, and just maybe whoever put it in just didn't think to connect it outside of the house. So that is putting moisture into dark tight spaces that could develop mold. Always recommend people making sure especially if they're going through an inspection on a house and just every once in a while, double check your connections to make sure they are venting out of the house and not into our attic space.

Dave: If somebody suspects that maybe they have mold, what do they do? I mean what do I do as a home owner? Do I call you? Is there a test I can do? What do I do?

Kyle: So you absolutely should give us a call, we come out and look at it. The one ultimate truth with mold is only one person can actually verify what it is, what kind of it is, and the spore count and everything and that is a hygienist and we've worked with some of those before as well so our job is to come out and we can identify it and there are some over the counter spot tests you can do. We use something that's kind of along those lines. Again it will confirm, it's a really good indication that there is basically proteins being excreted by the mold that shows that there is growth present and the likelihood of it being mold is high. It's kind of like if you were to say do a pregnancy test that says "Hey you're pregnant" you still want to confirm with the doctor. The hygienist kind of acts like the doctor, they're the one that will confirm it. Usually with those indications you should get it taken care of regardless.

Dave: Kyle Sam is with Servpro, if you'd like to get a hold of them you can just give Thom a call here at 933-7777 or check it out on the website at coregrouprealty.com as they are one of the providers here for CORE Group. Kyle, thank you so much for joining us.

Kyle: Thanks for having me!

Dave: We will continue on the other side here on 580 KIDO.


Seg 4


Dave: This is the Idaho Real Estate Buzz, I'm Dave Burnett along with Thom Dallman with CORE Group Realty. Coregrouprealty.com is the website to go to check out all things happening in real estate here in the Treasure Valley. Call 933-7777 that's the phone number where a customer care agent will answer your call, even on a Saturday.

Thom: Yes, always have someone on the phone.

Dave: They'll be there and they can answer questions. Now they're not a real estate agent but they're trained to kind of direct you the way you need to go when you need to talk to an agent.

Thom: Just help you figure out what your needs are and get to the right person.

Dave: So you can call right now and talk to somebody here at CORE Group Realty. You know one of the things that happens ... does it happen twice a year I think?

Thom: It happens twice a year.

Dave: That's the Fall Parade of Home and Heather is with us to talk about the Fall Parade of Homes coming up ... now!

Heather: Yes, starting here really soon!

Dave: The official date I think starts September 30th, it'll run the 1st, 2nd, and then the week of October 7th-9th and then the 14th-16th. Tell us a little bit about the Fall Parade of Homes and what's happening.

Heather: Well, this year we're doing something a little bit different. We've added Friday to our Fall Parade schedule so we'll be open Friday through Sunday from 11am-5pm. This year we've got 33 homes in the Fall Parade scattered throughout Ada County. From 27 unique builders. It's a really cool show. We're excited to be in the show again this year, our home is in Star. We look forward to seeing everybody!

Thom: I love the Parade of Homes because it really is just a showcase of all the new features and all the new things that builders are doing right now and all of the amenities and all of the great things because it really truly is you guys design homes for this Parade to really showcase what you guys have as custom home builders and it's great to go through them and see those things and especially if you're out there looking to partner up with a custom home builder for your own home to build. It's a great way to get to know what builders have. Not all builders are created equally.

Heather: Correct!

Dave: Well Heather, what are some of the things that we're seeing? What are some of the trends and things going on in building?

Heather: Well you know a lot of homes we're seeing a lot of single level, very open floor plans which we've been seeing that for quite a while now. I think gray is a big trend in the homes right now with the interior design kind of being very light and bright. Not the Boise brown that we used to see. It's really some neat trends that we're seeing right now with that open floor plan, lots of windows, lots of lighting and really, making the most of the space.

Dave: Let's go back to last year's Parade of Homes, or the last one we had in the Spring I guess it was. What did you as a home builder, what did you see perhaps from one of the other builders you kind of went "Wow, that is cool!" Kind of putting you on the spot here.

Heather: You are because I actually didn't make it out to see any of the other homes because I was so busy in mine! It kind of is a good thing to be busy but I really wish I would have had a chance to go see some of the other homes.

Thom: Hopefully without partnership here we've got some agents that are going to be helping to sit in the Parade Home this year and hopefully they'll allow Heather to be able to get out and view some of those.

Dave: OK let me rephrase the question then. What have you seen in the past year that as a builder just kind of made you go "That is cool, we've gotta do that."

Heather: I think a lot of the different exterior elevations are some of the things that are really exciting me. Our home in the Spring this year had a larger garage than it did house. We worked really hard to make sure that from the outside it didn't look like it was all garage. So that's one of the cool things that I think we're seeing is the creativity in the exterior elevation to where homes just look totally different than what they used to.

Dave: Hmm interesting. And you say single levels are really becoming more popular.

Heather: Correct.

Dave: And is that, is that because we're aging as a population you think, or it's just what's happening?

Heather: You know, we seem to be building a lot more for kind of a multi-generational family where maybe mom or dad is going to come and stay with the kids so single level, people are just thinking more for future. Thinking "I really would rather have a single level rather than having stairs" just for future.

Dave: Parade of Homes which will be coming up at the end of September and into the month of October here in Ada County. 33 homes, 27 different builders who have done this. Thom what is it that you have seen out there that kind of intrigued you about new homes?

Thom: Putting me on the spot! I love all the creativity and all of the new colors that come out and just the use of those colors and combinations. And I love like Heather was mentioning the open windows, like the big windows are such a big trend and tall ceilings and really utilizing space really well as far as set up for entertaining and for your lifestyles. Innovative Custom Homes is great about incorporating the lifestyle into the home. They sit down with people and talk about, and other builders are kind of starting to get on the bandwagon with that too with sitting down with the client and finding out what their lifestyle is and "Let's design a home around that lifestyle." If your family is mostly in the living room, let's design a home around the living room and so forth. I think that is one of the great attributes that Innovative Custom homes does really catering to the clients and catering to people's needs in their homes. I think that is one of the great trends that we're seeing in some of these homes.

Dave: One of the things that I find fascinating is the change in electronics in homes today. I mean there was a time where a push button intercom from the kitchen to the front porch, that was very innovative. But even now we're seeing to where you can set up with your smart phone to where you can talk to somebody on your front porch wherever you are in the world. Is that something you're seeing a demand for out of people?

Heather: We're seeing a demand for being able to change your temperatures, unlock your doors, be able to see what's going on at your home when you're not there.

Dave: Turning on the lights ...

Heather: Turning on the lights, the alarms with the cameras so you can see when a package was delivered, all that kind of stuff is really, it's become a lot more affordable and we're seeing a lot more of it now.

Dave: Is that a challenge for a home builder?

Heather: Actually, no because most of the stuff now is wireless so even if a homeowner comes in after a home is they come in to a Parade house after it's built it's all done and they want to add an alarm system with that video camera so they can see when UPS or FedEx is delivering stuff they can add that after the fact. So it's not like you have to tear open walls anymore like you used to. A lot of it is wireless and so easy and so affordable.

Thom: I'm kind of curious because we just had a conversation. We have wires that run from one side of our living room underneath the floors and up a wall to the TV for all of our components and stuff and we were actually having this conversation on Monday this week at dinner that once those wires and technology changes, we're probably going to be able to get rid of those wires and actually do Bluetooth. Are you seeing more Bluetooth components for like your tv’s and your dvd players and stuff like that?

Heather: We are, actually we see that a lot in the remodels we do. So you can set up a wireless hub let's say in the coat closet and then everything in your house is wired off of that.

Thom: That's awesome.

Heather: Or, you know, wire-less off of that hub.

Thom: That's cool.

Dave: So the old push button speaker from the kitchen to the porch is outdated now.

Heather: Yep now when somebody rings your doorbell you see their beautiful picture right on your telephone.

Thom: Exactly, it pops up on your phone.

Dave: You can be in Germany and you can see who is on your front porch. Which truly is astounding when you think about it.

Heather: Yeah, it is.

Dave: What kind of a Star Trek thing we're dealing with that. We're talking to Heather and talking about the Fall Parade of Homes and again, kind of scattered throughout Ada County or are they concentrated more out towards Star area?

Heather: Nope, they're scattered throughout Ada County and actually there's going to be the Parade magazine will come out in the Statesman this weekend.

Dave: But your home is in Star?

Heather: It is!

Dave: Let's give a sneak preview. Where's the address?

Heather: It is 2035 North Cold Creek Avenue which is in the Star Creek Subdivision off of North Star Road and West Floating Feather.

Dave: And the growth in Star is just incredibly isn't it?

Heather: It is, it's just amazing. We've got the Parade home which is available and then we also have additional lots available to show people and build their dream home.

Dave: Perfect, so if somebody wants to swing on out there in the Parade of Homes they can talk to you or they can call you here at CORE Group Realty to talk about building that custom home.

Heather: They could! They can swing by like I said Friday through Sunday 11am - 5pm.

Dave: Perfect, 933-7777 is the phone number for you to call coregrouprealty.com is the website as well. Thom, it's a great time as you head into Fall ... I mean for me I love Fall, I'm not a big Winter fan I've gotta be honest but Fall is just a great time to look at homes and check out what's going on around the valley.

Thom: Oh yes there's still homes available, it's a great time to go out there and you don't have to drive around in the heat overwhelming yourself. It's a great time.

Dave: And what I love about the Fall Parade of Homes because I'm not looking to buy but I sure like snooping.

Thom: Oh yes I love looking and seeing the different design ideas that are coming out. And those fun, fun tiles!

Dave: We'll do this again next Saturday we call it the Idaho Real Estate Buzz we'll do it again next Saturday and by the way you can catch those online at coregrouprealty.com the past shows are put up there for you as well. We'll do it again next Saturday too here at 580 KIDO.


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