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I am committed to providing my clients with the best experience possible! I am a local agent that loves this area and specializes in this local market. Call or text anytime you want information on the market or are ready to buy or sell a property!
Nampa Real Estate AgentGenuinely invest time to understand each clients’ unique situation
Nampa Real Estate AgentUse our vast experience & diverse skill sets to strategize with each client a plan to obtain their goals
Nampa Real Estate AgentBe consistent, persistent, & diligent in doing our part to execute this plan. No one deserves a one-size-fits-all solution.
We genuinely look forward to working with you.

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We’re relationship-based,
not transaction-based.
We’ll only declare success
after you have.
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for a long-lasting relationship.

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MEET LYDIA ROY

Best Real Estate Agent In Middleton
Searching Google for a top, licensed real estate agent serving Nampa Middleton and Caldwell, ID?
If you said, “YES!”
Then, top rated real estate agent Middleton Idaho Lydia Roy can assistance you in finding your picture-perfect home.
Discover just about anything local to the Nampa Middleton and Caldwell, Idaho area such as neighborhood news & events, communities & social clubs, churches, civic centers, gyms, and fitness facilities and some of the best locations to settle down in Nampa Middleton and Caldwell, ID.
As you peruse this website, you too will find that Lydia Roy shares a plethora of valuable real estate data for home buyers and sellers throughout her robust and easy to navigate and especially the blog section!

Lydia Roy Nampa Idaho Realtor

Address: Nampa Idaho 83687
Email: lydia@lydiaroyrealestate.com
Mobile: 208-960-5205
Office: 208-442-8500
Best Real Estate Agent In Middleton

Lydia Roy Nampa Idaho Realtor

Address: Nampa Idaho 83687
Email: lydia@lydiaroyrealestate.com
Mobile: 208-960-5205 Office: 208-442-8500

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Middleton Idaho Real Estate Company

Seasonal Quiz: What’s the Best Time to Sell Middleton Real Estate?

Multiple Choice Quiz for What’s the Best Time to Sell Middleton Real Estate?

Is the Peak Selling Season Really the Best Time to Sell?

As Middleton gears up for the traditional peak selling season, the internet is again teeming with facts and figures about selling your home—when is the best time to list, when to close, etc. Of course, in the real world, any “best time” to sell isn’t calendar-based: it’s individual living situation-based.

Mostly just for fun, here is a quiz about the seasonal factor in selling a home, based on a very reliable source for residential housing facts: the NAR®:

What’s a leading reason given for why late winter/early spring is a good time to sell a home?

a. In colder climates, spring thaws allow lawns to become visible.

b. Tax refunds make more funds available for repairs and renovations.

c. Spring school breaks traditionally free families to visit open houses.

Why is the April/May/June period best for selling?

a. There is more competition.

b. It’s the best timing for summer moves that minimize school interruptions.

c. There is less competition.

From 2011-2019, in what month did sellers close for the highest percentage over market value?

a. April

b. June

c. May

Nationally, what are the busiest four months for closings (discounting last year’s disruptions)?

a. February, March, April, and May

b. May, June, July, and August

c. April, May, June, and July

For U.S. sellers, the year’s first above-average revenue results usually occur in what month?

a. April

b. March

c. May

In the U.S., the seasonality factor is most pronounced in what regions?

a. South and West

b. Midwest and Northeast

c. Northeast and South

Those questions and answers skirt a truism that Middleton home sellers might take to heart: the very best time to sell your Middleton home is when it’s ready for market—and when you’re prepared to move. P.S. As you may have guessed, the answers are all (b.). Yet another answer for the best time to sell is after you’ve given me a call! – Real Estate Agent Middleton Idaho Lydia Roy
Middleton Idaho Real Estate Company

3 of the top 9 reasons that the Middleton, Idaho real estate bubble is bursting

Middleton Idaho Real Estate Company

If you own real estate in Middleton, ID or surrounding areas or are thinking of buying real estate then you better pay attention, because this could be the most important message you receive this year regarding real estate and your financial future.

The last five years have seen explosive growth in the real estate market and as a result many people believe that real estate is the safest investment you can make. Well, that is no longer true. Rapidly increasing real estate prices have caused the real estate market to be at price levels never before seen in history when adjusted for inflation! The growing number of people concerned about the real estate bubble means there are less available real estate buyers. Fewer buyers mean that prices are coming down.

On May 4, 2006, Federal Reserve Board Governor Susan Blies stated that “Housing has really sort of peaked”. This follows on the heels of the new Fed Chairman Ben Bernanke saying that he was concerned that the “softening” of the real estate market would hurt the economy. And former Fed Chairman Alan Greenspan previously described the real estate market as frothy. All of these top financial experts agree that there is already a viable downturn in the market, so clearly there is a need to know the reasons behind this change.

3 of the top 9 reasons that the real estate bubble will burst include:
1. Interest rates are rising – foreclosures are up 72%!
2. First time homebuyers are priced out of the market – the real estate market is a pyramid and the base is crumbling
3. The psychology of the market has changed so that now people are afraid of the bubble bursting – the mania over real estate is over!

The first reason that the real estate bubble is bursting is rising interest rates. Under Alan Greenspan, interest rates were at historic lows from June 2003 to June 2004. These low interest rates allowed people to buy homes that were more expensive then what they could normally afford but at the same monthly cost, essentially creating “free money”. However, the time of low interest rates has ended as interest rates have been rising and will continue to rise further. Interest rates must rise to combat inflation, partly due to high gasoline and food costs. Higher interest rates make owning a home more expensive, thus driving existing home values down.

Higher interest rates are also affecting people who bought adjustable mortgages (ARMs). Adjustable mortgages have very low interest rates and low monthly payments for the first two to three years but afterwards the low interest rate disappears and the monthly mortgage payment jumps dramatically. As a result of adjustable mortgage rate resets, home foreclosures for the 1st quarter of 2006 are up 72% over the 1st quarter of 2005.

The foreclosure situation will only worsen as interest rates continue to rise and more adjustable mortgage payments are adjusted to a higher interest rate and higher mortgage payment. Moody’s stated that 25% of all outstanding mortgages are coming up for interest rate resets during 2006 and 2007. That is $2 trillion of U.S. mortgage debt! When the payments increase, it will be quite a hit to the pocketbook. A study done by one of the country’s largest title insurers concluded that 1.4 million households will face a payment jump of 50% or more once the introductory payment period is over.

The second reason that the real estate bubble is bursting is that new homebuyers are no longer able to buy homes due to high prices and higher interest rates. The real estate market is basically a pyramid scheme and as long as the number of buyers is growing everything is fine. As homes are bought by first time home buyers at the bottom of the pyramid, the new money for that $100,000.00 home goes all the way up the pyramid to the seller and buyer of a $1,000,000.00 home as people sell one home and buy a more expensive home. This double-edged sword of high real estate prices and higher interest rates has priced many new buyers out of the market, and now we are starting to feel the effects on the overall real estate market. Sales are slowing and inventories of homes available for sale are rising quickly. The latest report on the housing market showed new home sales fell 10.5% for February 2006. This is the largest one-month drop in nine years.

The third reason that the real estate bubble is bursting is that the psychology of the real estate market has changed. For the last five years the real estate market has risen dramatically and if you bought real estate you more than likely made money. This positive return for so many investors fueled the market higher as more people saw this and decided to also invest in real estate before they ‘missed out’.

The psychology of any bubble market, whether we are talking about the stock market or the real estate market is known as ‘herd mentality’, where everyone follows the herd. This herd mentality is at the heart of any bubble and it has happened numerous times in the past including during the US stock market bubble of the late 1990’s, the Japanese real estate bubble of the 1980’s, and even as far back as the US railroad bubble of the 1870’s. The herd mentality had completely taken over the real estate market until recently.

The bubble continues to rise as long as there is a “greater fool” to buy at a higher price. As there are less and less “greater fools” available or willing to buy homes, the mania disappears. When the hysteria passes, the excessive inventory that was built during the boom time causes prices to plummet. This is true for all three of the historical bubbles mentioned above and many other historical examples. Also of importance to note is that when all three of these historical bubbles burst the US was thrown into recession.

Real Estate Agent Middleton Idaho

With the changing in mindset related to the real estate market, investors and speculators are getting scared that they will be left holding real estate that will lose money. As a result, not only are they buying less real estate, but they are simultaneously selling their investment properties as well. This is producing huge numbers of homes available for sale on the market at the same time that record new home construction floods the market. These two increasing supply forces, the increasing supply of existing homes for sale coupled with the increasing supply of new homes for sale will further exacerbate the problem and drive all real estate values down.

A recent survey showed that 7 out of 10 people think the real estate bubble will burst before April 2007. This change in the market psychology from ‘must own real estate at any cost’ to a healthy concern that real estate is overpriced is causing the end of the real estate market boom.

The aftershock of the bubble bursting will be enormous and it will affect the global economy tremendously. Billionaire investor George Soros has said that in 2007 the US will be in recession and I agree with him. I think we will be in a recession because as the real estate bubble bursts, jobs will be lost, Americans will no longer be able to cash out money from their homes, and the entire economy will slow down dramatically thus leading to recession.

In conclusion, the three reasons the real estate bubble is bursting are higher interest rates; first-time buyers being priced out of the market; and the psychology about the real estate market is changing.

Middleton Idaho Real Estate Company

Realtor Lydia Roy Nampa
Realtor Lydia Roy Nampa
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