We have a special guest from Caring Transitions in the studio today! Debbie Grant is here to talk about assisted living and senior transition.

Ron Wieczorek is also here to share more info on his transition to Movement Mortgage. They guys touch on the importance of giving back to the community as well. Thom and Dave wrap up the show with talk about what is happening in the real estate market and the possibility of a market shift in the next couple years.


Segment 1

Dave Burnett: This is the Idaho Real Estate Buzz. He is Thom Dallman, the co-owner, also an associate broker with Core Group @ eXp. CoreGroupRealty.com the website. 208-933-7777, that is the phone number for you to call if you want any information about real estate in the valley, about the show, about what's going on, Thom and his folks can help you there at Core Group @ eXp.

Thom Dallman: We sure can.

Dave Burnett: Another week and something new to talk about as far as listings go.

Thom Dallman: Yeah, we got a new listing this week that we're excited to present. Hopefully it's going to still be available by the time you hear this because it's a popular area and a popular price point.

Dave Burnett: All right so pay attention if you're looking for property or know somebody who does, this could be the one.

Thom Dallman: If you're listening, we have a new listing at 1821, let me just make sure I say this right, 1821 South Crimson Rose Avenue in Boise. It's south Boise so it's right there off of Maple Grove and Overland.

Dave Burnett: It truly is in a real desirable area as far as ...

Thom Dallman: Yeah, that south.

Dave Burnett: Access.

Thom Dallman: Everything south of the freeway is super popular right now. Easy to get almost anywhere in town but pricing soar means at a good level to where it's affordable and you can get into a really decent house, which this is. This is a three bedroom, two bath, split floor design. One of those where the two bedrooms are on the one side, the master's on the other. You can actually have a little bit division if you will.

Dave Burnett: That is nice.

Thom Dallman: Yeah, exactly.

Dave Burnett: You get a little separation for mom and dad from the family. That is good.

Thom Dallman: Exactly, exactly. Or even from your guests if you're single and first starting out. Just a lot of options here. Great starter home. Great retirement home for those that might be looking to downsize. A lot of options for this one. It's on .13 of an acre so the smaller lots, not a lot of maintenance to have to worry about. It does have a semi-covered front porch for you. They've gone in and they've done a little bit of work on the house so you have a new roof. Let me just make sure I get this right too.

You have an updated kitchen, new roof that was just put on last couple years. They've updated some of the flooring and they're actually offering for a full price offer a $3,000 credit at closing towards getting additional flooring put in. In the areas that they haven't been able to get to yet. The price point, it's coming in at $228,000 is the purchase price. $228,000 so if you've been listening to the show you know that anything below $250,000 is hard to find these days.

Dave Burnett: In Boise it is very difficult to find.

Thom Dallman: In Boise it's very difficult. Great price point. Great option. West Boise Junior High School, it's in Boise school district number one so you have Borah High School. Great school district as well. Can't say enough about it. It's a great spot and a great little house.

Dave Burnett: You mentioned one of the small updates, you talk about the roof. That is not a small update.

Thom Dallman: That's not a small update, no.

Dave Burnett: If you haven't priced putting a new roof on a house lately, it can get expensive.

Thom Dallman: It can get pretty pricey.

Dave Burnett: Yeah, it can cost you quite a bit. That truly is an extra value on the home that it's got a new roof. Not going to have to be without one for a while.

Thom Dallman: Exactly, exactly. And it does have vaulted ceilings. That highlights the great room so it has that great room feel so everything's pretty open and so forth.

Dave Burnett: Hopefully that is still available by the time this program airs because properties go so dog gone fast.

Thom Dallman: I know, they can. As long as they're priced right and in a desirable location, they can. They're going quick. Especially we keep talking and throwing out there the fact that we have such low inventory. Especially in the resale area where last time we reported it was at .8 month supply. Round three to four week supply.

Dave Burnett: It's fascinating that you say this because I heard a news report during the week that talked about the last part of the year nationally that existing sales homes were down six and a half percent. And the news report tried to show it as doom and gloom and everything's falling apart but having done this show with you, you've educated me know that number one, interest rates did slow down purchasing a bit. But number two is there's nationwide, not only here in the valley, nationwide, not a lot of existing homes available because people have bought them up.

Thom Dallman: Yeah, people have bought them up. People are staying in their homes longer so they're not ready to sell as much. For whatever reasons. There's just not a lot of inventory for resale. What they didn't really mention is that new construction is up. They don't talk about the fact that everybody's going towards new construction and buying new homes in lieu of the resale because of the fact that there's so little resale available. It's such a trend right now and so strong in the new home market that even Corey Barton CBH Homes has decide to, they're not doing custom home anymore. They've announced last week or two weeks ago that they're just doing spec homes. You can no longer go into CBH and try to customize a home. It's all spec homes. What they have built and stuff like that.

Dave Burnett: Explain that little bit when you say spec home for those that don't know. What does that mean?

Thom Dallman: That's a house that they've built out, that they have plans. They already put the, they've already decided what colors to put in and things like that.

Dave Burnett: They know popular colors, popular plans.

Thom Dallman: Exactly.

Dave Burnett: And they're just going to build those.

Thom Dallman: Exactly. That was kind of a interesting new element to the marketplace as far as being able to go in and customize a home with them. You're no longer able to do that. It's now whatever they have building is what is available and what they'll sell to you. There's not the choice to make changes to it necessarily. That also means that there's going to be more supply. They're going to have a lot more stuff ready to go. They're building homes.

Dave Burnett: I was going to say because for a builder that does allow them to go in and say, "All right. Knock these out. Framers, go knock these out. Foundations are going to be this way."

Thom Dallman: Exactly.

Dave Burnett: You got painters. You got this. It allows to build.

Thom Dallman: It's going to give us more options.

Dave Burnett: Rapidly.

Thom Dallman: Yes, it's going to actually give us more options quicker for the inventory level.

Dave Burnett: Let me ask you this, let me throw this caveat in here for you and for your team there at Core Group @ eXp, does that change the way that you sell homes as far as new homes go? That way you can kind of lay out to the customers ahead of time. Does that adjust what you do at all?

Thom Dallman: Not necessarily. I think it's the only adjustment that we have is just educating people that there's not as much inventory out there so we got to be proactive. We got to move quickly. If you're looking to buy a home, it's important to have that prequalification like we talk about and be ready to go and go look at house and get an offer written in or else it's going to be sold pretty quickly. Just two weeks ago I talked about the fact I had a gentleman reach out to me on a Monday to go look at a house on Wednesday, on Tuesday it went and got went, got sold. I had to call him up and say, "Sorry that house is no longer available. It got sold last night while we were waiting to get in to see it."

Things are moving quickly in this market so you definitely have to be ready and be prepared. That's really what it amounts to. This will allow us a little bit more options for buyers to not have to be as rushed as some of this inventory comes on the market and stuff. Previously BH Homes, inventory that they have so it'll be a little bit better in that route. If you are looking for a new home, it'll give you some options that you don't have to, you can think about a day or two and not have ...

Dave Burnett: Or maybe three but don't go four.

Thom Dallman: Exactly.

Dave Burnett: It may not last. But it again points out and I've talked about this in the past, how important it is that you get a qualified real estate agent, somebody who knows what they're doing, somebody who knows the market so that way you're kind of know going in because you've got an expert that's dealing with it.

Thom Dallman: Don't be afraid to ask how long they've been in the market. We've got a lot of brand new agents that are coming on 'cause they hear how hot the market is. There's a lot of brand new agents that come on. If they are brand new, ask what their support is. What they kind of, if they're part of a team or whatnot, that they have the support to get answers quickly for you when you have them and stuff.

Dave Burnett: Which you can get at Core Group @ eXp. Feel free to interview them, talk to them, quiz them.

Thom Dallman: Please do.

Dave Burnett: Challenge them and try to stump them.

Thom Dallman: Please do.

Dave Burnett: Try to stump the band.

Thom Dallman: We don't know it, we'll find it.

Dave Burnett: Yeah, that is bottom line. If you're asking your real estate agent and they know the answers to everything and they don't say, "No, let me find out." That's an important thing when somebody is willing to say, "I don't know, let me find out from somebody with more experience or somebody who might be in the know in that area." An important thing to do.

Core Group @ eXp, that is the company. CoreGroupRealty.com or give them a call today. 208 933-7777, bringing you of course, the Idaho Real Estate Buzz. We'll continue on the other side. Find out why they say, "You get more with Core."

Segment 2

Dave Burnett: This is the Idaho Real Estate Buzz. He is Thom Dallman the co-owner, also the associate broker at Core Group at EXP. Give them a call today, (208) 933-7777 or go by the website, CoreGroupRealty.com . Ron checks in with us every week to talk a little bit about the financial world of buying a home, because let's be honest, finances makes the world go round when it comes to real estate.

Not many of us can just scratch a check.

Thom Dallman: I know I can't.

Dave Burnett: Yep. Movement Mortgage, by the way, the name of the company. It used to be Eagle Home Mortgage, now Movement Mortgage, equal opportunity lender as you're getting used to changing all of the stationary, and all of the business cards.

Thom Dallman: Yeah well, luckily I'm not involved in that piece of it, but yeah, we've taken new headshots, and I have to update my, you know, I had a very skinny picture I was using for a long time and now I have to come to grips with reality and my weight and my age.

Dave Burnett: Photoshop.

Thom Dallman: Well ...

Dave Burnett: I guess you want to look like you look though.

Thom Dallman: I guess so. Well, I don't know if I want to look like I look, but I look like I look so, it is what it is, right? I guess I could do something about that.

Dave Burnett: You're very excited though.

Ron Wieczorek: Those cards are a marketing tool. They are a marketing tool. You've got to look good on them.

Dave Burnett: You talk to very positive, very excited about Movement Mortgage and the positive changes taking place for you.

Ron Wieczorek: Yeah, they continue, their leadership, they continue to impress. We had dinner with them when they came in, and we heard the story, and one of the great things that they do is their community give back is off the charts.

Dave Burnett: Mm-hmm (affirmative).

Ron Wieczorek: They do just so much in the community that lines up with what I love about what our industry can be. You know there's, we already live and breathe in this community.

Dave Burnett: Mm-hmm (affirmative).

Ron Wieczorek: Myself, as a loan officer, Thom is a Realtor, and we like to see whoever we're doing loans for. You know, my goal is never to put someone in a loan that they shouldn't be in.

Dave Burnett: Yeah.

Thom Dallman: That's why we like partner with you guys, because you don't force them into what they can't afford.

Ron Wieczorek: And, I weight that a lot in my ... You know, sometimes I'll talk someone out of it, and it's a, "Not now," it's not necessarily, "You can't buy a home," and people take that into- A lot of people appreciate it. They say, "You know what? I thought I was stretching a little bit, but I wasn't sure, and I'm glad you think the same way."

Dave Burnett: Well, it's not uncommon. There's been times when I've sat down, either for a car loan or for a home loan, and they say, "Well, you're qualified for this amount of money a month." Well, if I was really paying that amount of money a month, I'm going to have to go get another job, because we've got other bills that come in that have to be dealt with.

Ron Wieczorek: And, that's one thing I talk about all the time, Dave. I talk to folks, and they're like, "Well, my payment's $1,000 a month. I could really do $1,400. I think I can do $1,400," and I look at it and I say, "You know on paper, from what I can see, with your other debt, you probably could stretch it to $1,400, but you can't do anything else."

Dave Burnett: Yeah, forget buying anything, or getting any new clothes.

Thom Dallman: Can't get groceries, can't buy new clothes.

Ron Wieczorek: Right, you can't buy new clothes. "Do you ever go out to eat?"

"Oh yeah, we go out to eat. We have movie ..."

"Stop, you can't do that."

Dave Burnett: Beans and rice, that's all you get.

Ron Wieczorek: Yeah, right. You better visit the ramen aisle a little more, because that's what you're going to be ... And then, they start to, they're like, "Well, I didn't think of that," and then I'm like, and then we talk about yard maintenance, and we talk ... There's a lot of just different factors. The snow now, maybe you need a snowblower, maybe it's a shovel. Just ...

Dave Burnett: The cost of life.

Ron Wieczorek: Cost of life. And, they say the average home, I remember when the couple times I've boughten a home, the good inspectors have told me that, you know you can take the purchase price of the home and take 1% of that, and that's usually what you're going to invest back into the home just for repairs.

Dave Burnett: Mm-hmm (affirmative).

Ron Wieczorek: And, when you look at numbers like that, that's something that doesn't even hit my radar, and I'm in the business. So, there's just so much that can happen, and you know your tires go out on your car and, "Sorry, you stretched it to $1,400, that's no longer an option."

Dave Burnett: Yeah.

Ron Wieczorek: So, it puts people in a tight position, and I don't like to do that.

Dave Burnett: Which is a good thing.

Ron Wieczorek: Yeah, I think so.

Dave Burnett: Yeah, yeah.

Ron Wieczorek: I think so. And, everyone receives it differently. A lot of people are very gracious of that in saying, "You know what, I'm glad you told me that, because I was thinking the same way, but I was getting pressure to buy a house, because that's what I do at my age."

Dave Burnett: Yep.

Ron Wieczorek: And then, other people will get combative and say, "You don't know what you're talking about, and how dare you tell me to do with my money, and I'm going to spend it." And, someone's going to give you that loan, right?

Dave Burnett: Right.

Ron Wieczorek: And, that's up to you, and that's not my business to do that, but maybe the do get a second job after, or they tighten up in other spots, and people have proved me wrong. Some people have, all of a sudden they got that raise they weren't expecting, and life is great, and I was wrong, right?

Dave Burnett: Yep.

Ron Wieczorek: So but, all I can do is give them the best information with what I have in front of me, and that's what we try to do, and I see that in movement, I see it with their ... That's what they're trying to do and one of the biggest things we talk about in our industry is when someone buys a home, whether it's the first time, second time, or third time, and there's a lot of studies that run this parallel is, you create your own wealth, and when you buy a home, immediately, like whether you have equity or not, you're already starting to create your wealth.

Dave Burnett: Mm-hmm (affirmative).

Ron Wieczorek: And, there's studies on people that have rented all their lives, and what their wealth looks like next to the guy who has never owned, or does own a home versus not owning a home, and the person that owns a home, it could be the ... And, I'm not talking about a million dollar home versus someone that rents, that's not fair, right?

Dave Burnett: Yeah, no.

Ron Wieczorek: You're comparing apples and oranges. But, when you have two people kind of in the same brackets, in the same monthly payments, that guy that owns a home, whether it's subconsciously is more confident, whether it's really just being happier in life, has created more wealth, and the properties increase in value, and they have.

We've been lucky in the valley to see a lot of appreciation. So, that holds true there too. So, we're creating wealth, and that's one thing that's a real focus of Movement, and why they're so involved in the community. They have, I can't even start to rattle off, because it's so new how many different programs they have that are dedicated to community give back, and that's something that Eagle did on, depending on your management.

Dave Burnett: Mm-hmm (affirmative).

Ron Wieczorek: Like, we had offices all over the United States. Luckily, I have great management here locally, and they've always stressed that, and the people around us, the culture's always been really strong, and that was one of the things that really, really helped and aided that culture, because Movement talks a lot about culture, and we've always talked a lot about culture.

So, that's kind of something that really, really aligned with us, and them, and-

Dave Burnett: It's a good thing.

Ron Wieczorek: It's a great thing.

Dave Burnett: What we derive or living from this community, all three of us.

Thom Dallman: Oh yeah.

Dave Burnett: I think it's key to give back.

Thom Dallman: I'm excited, because that's always been one of our core features is giving back to the community, and stuff, and one of the many reasons why we participate in so many things like, the Idaho Humane Society, and you know pushing for it, that you know a pet makes a house a home, and all those different events and stuff that we participate in is giving back to the community. We wanted to be able to get back out there and give back to the people that are making our lives the way they are.

Ron Wieczorek: It's easy just to grab a paycheck, go home, go to the family, and there's something to be said about that too. I mean, if ... I have a young family, but I understand that I'm extremely fortunate.

Thom Dallman: Mm-hmm (affirmative).

Ron Wieczorek: I've been, you know I grew up in a house that my mom was a librarian, my dad was a factory worker, and I never needed, or I never needed, but I wanted, right?

Thom Dallman: Mm-hmm (affirmative), right.

Dave Burnett: Big difference.

Ron Wieczorek: But I always had a roof over the head, always had food, and my parents, what they did with what little they made in their lives, I mean they're almost like gremlins, they multiplied. I was like, "How did you do that?" But it was cutting coupons, it was hard work, and they've instilled that into me.

So, where I'm going with this is I realize on a daily basis how fortunate I am, and I try to relay that to my kids, how fortunate they are, and if you don't give back, and try to, you know you don't know what's happening in other people's lives.

You know, you cross somebody on a daily basis, and maybe they're in a bad mood, maybe they're honking at you, and I just try to take a step back. I don't know what that guy's morning was like.

Dave Burnett: Yeah, I hear you.

Ron Wieczorek: Yeah, I mean he could have awful, awful things going in his life right now that just is happening right now, and I see that, and I don't know if this is the platform to talk about this, but I've been really active over the past, oh shoot, now six years in Big Brothers Big Sisters. I have a little brother, and just to see his growth, and I'm not always there for him as much as I'd want to be, because there's not enough hours in the day, but that's something that I take serious, just because there's, you know, it's a hard problem.

Dave Burnett: Awesome that you do that.

Ron Wieczorek: My kid's problems and his problems are totally different.

Dave Burnett: Yep. Whole different world.

Ron Wieczorek: Whole different world, and it's not like he's in a, he's not in a desperate position.

Dave Burnett: Mm-hmm (affirmative).

Ron Wieczorek: He's just not as, he doesn't have as many resources available to him that my kids do that I had to me, and I think there's a lot of value in that giving back to your community, and I think it's great when I see companies that really believe and do that instead of just, "We're here to make money."

Thom Dallman: Exactly.

Ron Wieczorek: You know, that's great, but ...

Thom Dallman: Well, I like the turn that this segment has taken, as far as like ...

Ron Wieczorek: Yeah, right. That's not what I had written down.

Thom Dallman: I hope everybody listening will at least take something from this, and at least pay it forward to someone out there, and think about giving back to the community a little bit.

Ron Wieczorek: Yeah, no. And, that's what we get with ... I think this all started with the, "How do you like the change in Movement?"

Thom Dallman: Yeah, exactly.

Ron Wieczorek: And, you know I guess I can't talk enough about how happy I am.

Thom Dallman: Change is good.

Dave Burnett: Well, it's a good deal, whether it's a personal choice of getting involved with Big Brothers Big Sisters, whether it's a corporate choice of getting involved with the Humane Society, I think all of us have a little bit of time that we could give, and if you don't have time to give, some people don't, they're very busy, then give of your resources to somebody. It really does help make the Treasure Valley a great place to live.

Ron Wieczorek: I remember once, I was listening to, well I was back East, and when I was living in Jacksonville, Florida and we heard the, I forget her title. She was either the CEO of the Orlando Magic, or she was married to ... Her family owned the Orlando Magic, and she was very philanthropic.

Dave Burnett: Mm-hmm (affirmative).

Ron Wieczorek: And, her schedule was off the charts, and she looked at us and she's like, asked people why they didn't do certain things, and the number one reason was always, "Too busy. Our life's too busy."

And, she's like, "You want to see busy?" And she pulls up her schedule on the Power Point, and there was not a minute of her day from 6:00 a.m. to 8:00 at night that wasn't accounted for. And she's like, "I still have time. That's not a whole day."

Dave Burnett: Mm-hmm (affirmative), yeah.

Thom Dallman: "I still have time."

Dave Burnett: Exactly.

Ron Wieczorek: She's goes, "I don't want to hear you're too busy. If you don't want to do it, fine, but I don't want to hear you're too busy," and that kind of resonates with me on a daily basis, because I get caught in that too, and I'm like, "Oh man, today was too busy, I'll do it tomorrow," and I'm like, "Well, was I too busy? She wasn't too busy, then I'm not too busy."

Thom Dallman: Right?

Dave Burnett: Well, Movement Mortgage is the name of the company that they've changed from Eagle Home Mortgage to Movement Mortgage, and that's where you will find Ron working and ready to help you, and meet your needs.

If you're looking for a company, and looking for an individual that gives back to this community, give Ron a call, and Ron, how do they get a hold of you?

Ron Wieczorek: My cell phone has not changed. It's (208) 869-9154.

Dave Burnett: Very good. Core Group Realty at EXP is the company. CoreGroupRealty.com , the website. One of the sponsors of this program, along with the folks at Movement Mortgage. Why don't you do this, call (208) 933-7777 and find out why they say, "You get more, with Core."

Segment 3

Dave Burnett: This is the Idaho Real Estate Buzz. He is Thom Dallman, the co-owner, also the associate broker of Core Group @ eXp, CoreGroupRealty.com , that is the website for you to go to, or you can always call 208-933-7777. One of the fun things we're going to do here, Thom, we get to meet different from the community that really are there to assist. It's kind of real estate related, but not necessarily so.

Thom Dallman: Exactly.

Dave Burnett: It's somebody that probably could help you out at a difficult time.

Thom Dallman: Exactly. And a while back, a couple years ago, I ran into and got to meet a gentleman that runs and facilitates a company called Caring Transitions, and so we have a representative from Caring Transitions here today to talk to us a little bit about your business and stuff, Debbie Grant is here to chat with us and tell us a little bit about it, because I find it one of those useful resources for people out there, especially if you have elderly parents who are looking towards getting into assisted living and stuff. The company specialized in helping with that.

Debbie Grant: Yes.

Thom Dallman: Welcome, Debbie.

Debbie Grant: Yes, thank you for having me Thom and Dave. I really appreciate it. Yeah, Caring Transitions is the largest senior relocation and liquidation company in North America. And it has over 200 locations. Jill and Albert Dickson own Caring Transitions here, and it serves primarily Ada and Canyon Counties. We're licensed, bonded, insured, and certified in the relocations and transitions for seniors, so we do this day in and day out.

Thom Dallman: Cool.

Debbie Grant: It's a real help to people. Our goal is to help families during this time to reduce the physical and emotional stress of late life transitions and all that it entails. And it entails a lot.

Thom Dallman: Entails a lot. Most certainly, most certainly. Just kind of going back to what you kind of said, you have 200 locations across the US, you said.

Debbie Grant: Correct.

Thom Dallman: So you can help people transition not only from a home to assisted living here, but if they're transitioning across country and stuff, you can help assist with that too.

Debbie Grant: Exactly. It works out wonderfully because, say, somebody in Phoenix, Arizona, if there's an office there, we can be talking with them and facilitate and help them with the move. And then when they get here, we just take it over, so they're working with the same company, which makes it a lot easier.

Thom Dallman: Yeah. That's wonderful because it can be so overwhelming going through that transition.

Debbie Grant: Oh, yeah.

Thom Dallman: There's so much involved in not just ... We specialize in real estate on the show and everything, but not just the real estate part of it, but kind of the liquidation of assets and the selling, estate sales, things like that.

Debbie Grant: It's so overwhelming. And what's so nice about the company is they really have hearts of gold, and they're the right type of people to be in this business because you're meeting people at a time when it's a real transition. And so what we do is we offer free consultation. We meet with the family. And we sit down and see exactly what their needs and what service they are. We have all kinds of services. You can use one or two of them, or we can do the whole thing, depending on what they're comfortable with. We take the time to decide what services will best fit them.

Thom Dallman: What are some of the examples of those services? Sorry.

Debbie Grant: What we do is, once we sit down with them, sometimes they're just moving in with one of the kids. And so we can help with that move. But a lot of times they're going into senior living communities. Or they're just downsizing into a smaller home. What we do is we'll take pictures in the home, paying special attention to where they keep their glasses to read, all those little things. And then when we get them moved into the new place, then we will mirror that. So when they get there, things are semi familiar to them, which is really important because they're already in kind of an upheaval. And so if we can do anything to mitigate that, that really helps.

We'll hang up the clothes. We'll make the beds. No boxes, no paper, there's nothing. So when they open that door, it is lovely and calm. And our goal is to reduce the stress for them, for the senior living community, and for the entire family.

Thom Dallman: Wow. That's great.

Dave Burnett: Debbie, if I could ask you, because I think there's the physical things that have to take place, whether it's selling a home or whatever, let's talk a little bit about that emotional part because you're dealing with fear. You're dealing with guilt on the part of the family members who perhaps are helping mom and/or dad make that transition. There's so many emotions involved. How do you go about that and tackling and assessing that?

Debbie Grant: Well, the main thing is to let them know that we're there to listen to them. A lot of people, they'll talk at them, but we're there to listen and see what their concerns are. Once we hear what that is, and a lot of times we want the family there because they're able to explain things that maybe the senior cannot. Then we just try and paint a picture for them that will make them feel a little bit excited about moving. And so one of the things we'll do is, we will find out, we'll get the schematic from, say, the senior living place. And we'll go through and say, "If you were going to move, what items would you want to take with you?" And sometimes they can't take all of them. Most of the time, they cannot.

Dave Burnett: There's a lot of stuff.

Debbie Grant: I know. But what we'll do is we will try and put those on a 3D program, so they can sit there and see, oh, I get to bring mom's chest, or my bed is going to fit there, and I can take the armoire too. And that helps them realize they don't have to give up everything, and they're going to be in a little room with nothing in it. And I think that's the biggest thing. And we ask, "What things are really important to you?" Sometimes they have a little collection of something, and they want to know that they can take those. If there's a way to facilitate that, we will do it because it's important to them. But we do have to be aware of the space and what we can actually fit in there.

But I think once you start that conversation with them, it makes them feel like, oh, maybe this won't be so bad. And then you explain to them, now these senior communities, 50 years ago they used to be called old folk's homes. And nothing was much going on there. Now a lot of them, they're unbelievable. I mean, the things that they offer now are just incredible.

Thom Dallman: I have a grandmother who is 93 years old, who lives in Wisconsin in an assisted living facility, and she just loves it. She talks about it all the time. Every day there's some kind of event, something going on for them to get out and exercise and do things. She really loves it there.

Debbie Grant: Exactly. Yeah. We have the most incredible senior living communities around. I've seen a lot of them, and they're amazing. And they're all different feels. Some are very small and intimate. Others are like a resort. It depends on what's comfortable to them.

Thom Dallman: Exactly.

Debbie Grant: But it is nice because they offer individual cottage living. They can offer assisted living, where they need a little bit of help. They have come a long way.

Thom Dallman: If someone's listening right now that has an elderly parent that they've been kind of contemplating maybe taking that step towards looking at assisted living, what would you kind of be the number one recommendation for them to kind of start the process on getting that going? Would it be to contact you guys first? Or is it really to kind of start exploring some of those?

Debbie Grant: Well, I think it's important for the senior to know that if they're proactive and not reactive, because reactive is usually because of an illness, or something's happened. And now we're in emergency mode. And things are in a totally different situation now. But if they can be in a proactive environment and decide, I'm going to decide where this is going to go. I'm going to out and look at those senior communities and see what they're like, and have them say, "I'll go with you. I'll go with you, and we'll go out there." And sometimes they offer lunch, different ones do, and some don't. And then you can go out and just check them out. And it kind of just gets them thinking about it that whatever they had in their mind, after they visited a lot of these, they might not feel that way.

And then that kind of opens the door. Then that's when you would want to give us a buzz. And what's great about us is Jill and Albert will sit down with them. And there is absolutely no pressure at all. They're there to listen and to see if we can help them and explain what we can do.

Dave Burnett: We're talking to Debbie Grant today with Caring Transitions. Let me ask you this question real quick, Debbie. I'm thinking of my in-laws because he is 94, and she is about 90. And he is really kind of her caregiver at this point. Is there a way that you can introduce to this couple, and then put it kind of on the shelf, so that ... Because what will happen, I'm telling you right now, is that one of them will go, and the other one will be lost.

Debbie Grant: Exactly.

Dave Burnett: You visit with Caring Transitions, kind of put it on a shelf, and then when you need it, you make that call.

Debbie Grant: Exactly. I think that would be the smartest thing to do. Knowledge is power. And being proactive gives you all the power. And it also gives you time. Once you meet with us, and we kind of can tell you what we can offer and how we can help you, once you go out to some of these senior living communities, you can decide. Okay. I've taken the time to kind of look around. And you might want to ... When you have a hamburger you don't eat the whole thing at once. You take one little bite at a time. And when you look at your house, you see all this stuff and you think, "Oh, I can't." And then they just shut down and say, "Forget it. I can't. I can't even think about this."

I would suggest that they just go into a room. Set a timer for an hour or two hours, have a couple boxes, have them marked family, donations, I'm keeping it, it's going with me, or something special that they weren't quite sure what to do with, that they know there's some value there. And then go in there and put them in the appropriate boxes. And then when you have the family box done, you might want to FaceTime or take pictures and send it to the family and say, "You know, I'm thinking about ... I think I'd like you guys to have this." And just get the reaction. Some people, they don't want the items. And that's always a little bit of a struggle.

But one thing we do, after we get them moved, we will go back. If there's enough there, we'll go back and have an estate sale. And this is what can create a lot of income for the family because it is expensive to move. It just depends on how much is there after our fee is paid. But this can really be a benefit to the family. We go in, do the estate sale, and the house is clean and ready to go. The whole process from sitting down to going, if they're ready to move, can be two to three weeks. And it's ready for the realtor to sell, which helps because it's hard for the family to do it.

Thom Dallman: For sure.

Dave Burnett: Very good. Debbie Grant, who is with Caring Transitions, and you can find out more information by giving them a call at 208-830-7119. Or you can always, of course, go to CoreGroupRealty.com, the website to find out all of that information. Debbie, thank you so much. It's a difficult topic. Sometimes people don't want to deal with it because you're talking about reducing the amount of size, you're talking about reducing things. Sometimes it's a little difficult.

Debbie Grant: Exactly.

Thom Dallman: For sure.

Dave Burnett: Very good.

Thom Dallman: Yeah. We just wanted to share real quick if you needed to get ahold of them, if you have someone that's looking. What's a good number?

Debbie Grant: Yeah. It's 208-254-7629. And our website is CaringTransitionsTVID.com , Treasure Valley, Idaho. CaringTransitionsTVID.com . And thanks so much for having me. We really appreciate it.

Thom Dallman: If you guys missed that, don't worry. You can go onto CoreGroupRealty.com. Go to Idaho Real Estate Buzz by the end of this next week, we'll have it uploaded and this transcribed, so you can get that information there too.

Dave Burnett: Very good. Debbie Grant, thank you so much, with Caring Transitions.

Debbie Grant: Thank you.

Dave Burnett: We'll continue on the other side. This is the Idaho Real Estate Buzz, being brought to you by Movement Mortgage, and of course by the folks at Core Group @ eXp. Give them a call. 208-933-7777. Find out why they say you get more with Core.

Segment 4

Dave Burnett: This is the Idaho Real Estate Buzz. He is Thom Dallman, the co-owner, associate broker at Core Group Realty eXp. Core Group-

Thom Dallman: Core Group @ eXp Realty.

Dave Burnett: The website, CoreGroupRealty.com , of course. And I always hesitate on that because it is, over the past couple of months, a brand new name for the same company.

Thom Dallman: Yeah, it's a brand new name, but still the same concepts on customer care, customer service, building our relationships with our clients, not just being transactional. It's not just about the sale of the house, it's about getting to know you, getting to know your family, and find out what property is right for you.

Dave Burnett: Very good. And at Core Group @ eXp, one of the things they really want to encourage you to do is come in, get to know you, do an interview and get to know your agent. And I say that because sometimes we think, "I want to buy a house this weekend, let's go talk to somebody, Marge."

Thom Dallman: Mm-hmm (affirmative).

Dave Burnett: And you stumble in and you go load up the car and you go get an agent. You know, it's going to be what is probably the largest investment you will make in your life.

Thom Dallman: Oh yeah, for sure.

Dave Burnett: Why not plan ahead?

Thom Dallman: Exactly. Plan ahead and interview an agent. Not all agents are created equally, so you want to know that this is your trusted advisor that you're bringing on board that has a team behind them. Ask them what kind of support they have for, not only real estate related, but lenders, title offices, things like that. Home warranty companies. Just find out how long they've been in the industry, make sure that they have that support there. Which we provide, we like to make sure that you have someone that you can contact to help you with all your needs. Even when you get into your house, you find a leak, we have a plumber that we have that we can have you reach out to, that we know, that we've trusted, that we've given opportunities to with our clients and then they've done a really good job and stuff like that. It's important to have that trusted advisor.

Dave Burnett: One of the things I like with Core Group @ eXp is, there are certain businesses that are selling things and they have the next-up concept when it comes to salesmen. "Well, Bill, you're next up, you get them."

With Core Group, you can go in, you talk to somebody, the personality between the two of you, not quite what you want. There's somebody else.

Thom Dallman: Exactly.

Dave Burnett: You can interview, and that way get placed with somebody who's got a like mind, a like thought process, and that, really, you get along with.

Thom Dallman: And that's kind of my role, if you will. I encourage people to maybe even ask for me, to kind of start that consultation. I'll talk to you a little bit and get to know you, and fit you with an agent that would fit your personality and what your needs are and so forth. That's where I come in as a team lead for Core Group.

Dave Burnett: That's true because for me, my personality, I don't want somebody that's pushy and going to drive me nuts.

Thom Dallman: Yeah, exactly.

Dave Burnett: Some people may need that. I want somebody who's a little more laid-back, can say, "Here's the options. Here's what we've got going. Here's what you can expect."

That's kind of what I'm ... So, to go on an interview and for you to place and get a person put there, that's a good thing.

Thom Dallman: Yeah.

Dave Burnett: Let me ask you this question.

Thom Dallman: All right.

Dave Burnett: Is it the right time to buy, or what happens if I put it off for a year to buy? What are the consequences?

Thom Dallman: That's interesting that you should ask that, because I've been hearing a lot lately that people are like, "Eh, I think I'm going to wait a year for a crash or the downturn," there's that 50/50 idea that there's going to be a crash or there's not going to be a crash.

Dave Burnett: Then we can scoop up the property cheap.

Thom Dallman: Exactly.

Dave Burnett: That's the thought process.

Thom Dallman: Exactly. People who listen to this know that I'm really big on knowledge and seeking knowledge and learning new things and stuff like that. So last week I just went and attended a class with a local realtor who focuses a lot of his energy on doing reporting. He's been in the business for 25 to 30 years, seen all the ups and downs of the industry, and so prior to the last big crash, he started doing some reporting and stuff, so now has this extensive collection of data that he's collected over the years. He shares it with local realtors and he had one of those classes. The whole goal of the session was to go through 12 different stats and figures of the industry and the real estate industry between the last crash, it started in 2004 is when his numbers started, to present. Each year, looking at the numbers and different scenarios to see if we could see anything that would indicate any kind of a crash coming up based off of what happened at the last crash.

It was super interesting information, and a lot of really detailed stats, comparing the boom of 2004 to 2008, the crash, the recovery and everything. So, overall, at the end of the class, our goal to say whether we felt super confident that there was going to be a crash in the next two years, or no way that there's going to be a crash. I was surprised, I guess maybe a little bit, to find out that the general consensus of the class from the numbers that we saw was that there's just nothing indicative of a crash happening in the next two years. Everything's continuing to rise. Core Logic, which is a national stat gathering company, they are predicting that we'll still have another 4%, 4.8% increase in home values over the next year.

Dave Burnett: Which is healthy. That's healthy.

Thom Dallman: Yeah, that's healthy. I know that we chatted with Ron over at Movement Mortgage, formerly Eagle Home Mortgage, about interest rates. They've decided to kind of keep interest rates level this year. Freddie Mac still kind of projected that, by quarter four of 2019, we'll still have gone up a little bit. They're projecting-

Dave Burnett: So if I wait a year, what does that mean?

Thom Dallman: Well, let's talk a little about that. KCM, keepingcurrentmatters.com, just sent out a kind of a little stat on, with those numbers that I just chatted about, what it kind of looks like. Currently, the average interest rate on a house is around that 4.45% nation wide. These are nation wide stats that they pulled from. They're projecting that it'll probably be at about 5.10% by the end of the year.

So, kind of just going off of a general ... I believe this is an FHA loan that they based these numbers off of. The average monthly mortgage is going to be right around that $1259 right now. If you wait for another year and things go up as it's predicted, the average monthly payment is going to be $1406. So a difference of about $150 bucks a month.

Dave Burnett: So that means-

Thom Dallman: $150 bucks a month, think about what you can buy for $150 bucks.

Dave Burnett: Yeah, I was going to say, if you're going to wait a year then, you're either going to A, pay more for your home, or you're going to get less home than you want.

Thom Dallman: Correct, correct.

Dave Burnett: I mean, that's the only two ways that-

Thom Dallman: Yeah, if you qualify for $250,000 right now, the type of home that comes on at 250 now, versus what it may look like in a year, could be substantially different.

Dave Burnett: So if you're in a position to buy, now is a good time to do that, because that crash that people have talked about probably ... Things may level out, may plateau out, but ...

Thom Dallman: We're just talking about, this class that I went through was just local numbers, so this is for the Treasure Valley. I'm not talking about nationally.

Dave Burnett: Because nationally, things could change, and Ron with Movement Mortgage has said the same thing, that for the Treasure Valley, people moving here, with growth coming here, no big slow down expected.

Thom Dallman: Exactly, exactly. One of the biggest numbers that was shocking to me that has stuck in my head was a population versus listing number. The amount of people per listing that we have population wise, back when the crash happened we were at 90 people per listing in the Treasure Valley ... Sorry, this was an Ada County number, specifically, that stuck in my head. We had 90 people per listing around the crash time, around 2007, 2008. And if my memory's serving me correct from last week, was about 320 people per listing currently now. That's how much our population has grown in that time frame.

Dave Burnett: So there's a lot more people vying for those properties.

Thom Dallman: Yeah, exactly, exactly.

Dave Burnett: Interesting.

Thom Dallman: So, super interesting numbers, but just going back to the stats a little bit about what that will cost you if you wait a year. Like I said, it's roughly a little bit less than $150 a month. But annually, that's almost $1800 that you're going to be spending if you wait a year, or losing out on, I guess, potentially. Or over 30 years, for a 30 year loan, that could be $52,981 extra in interest that you're paying. Just think about, in 30 years you'll be in retirement, hopefully. What could you have done with that $52,000 over the lifetime of 30 years?

Dave Burnett: When you start looking at the big picture, I mean, that's a big chunk of money.

Thom Dallman: Yeah, exactly.

Dave Burnett: It truly is.

Thom Dallman: For those of you who are on the fence and like, "Oh, I think I'm going to wait for a crash," you might be waiting a little bit longer than you anticipated. So I encourage you to kind of think about those numbers and come talk to us about it.

Dave Burnett: Be proactive. And as I mentioned, if you want to wait, even if you want to wait, come in, talk to the folks at Core Group @ eXp Realty. Kind of just say, "Here's what I'm thinking about, what do you think?"

And find out the pros and cons of waiting or buying now. I can attest, and I do not work for Core Group @ eXp, I can attest, it's no pressure. Nobody's going to force a pen into your hand and make you sign a contract.

Thom Dallman: Exactly.

Dave Burnett: If you want to go in and consult and say, "You know what, I'll come back and talk to you in six months," come back in six months. It's that simple.

Thom Dallman: Exactly.

Dave Burnett: It's a good group of people, from Thom to Shawna to the whole staff there. A good group of people to come and get a little confidence about whether you're buying or selling a home. If you're selling a home, man, there is no better time to do it than right now. Give them a call today, (208) 933-7777, or you can always go to the website, CoreGroupRealty.com is the website to go to.

This is the Idaho Real Estate Buzz, being brought to you by Movement Mortgage and the folks at Core Group @ eXp. Call them today, (208) 933-7777. Find out why they say you get more with Core.

Debbie Grant

Caring Transitions

208 830-7119


Ron Wieczorek

208 917-4983


Core Group at eXp Realty

208 639-7700



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