The Boise housing market is shifting — and smart buyers and investors are already paying attention.
Inventory in Ada County surged nearly 100% from April to May, with over 1,000 homes now listed for sale. That’s the highest year-over-year increase Boise has seen since the peak of the pandemic market. In nearby Canyon County, median home prices are also down year-over-year, signaling a more balanced — and competitive — environment for buyers.
So what does this mean?
It means opportunity!
Why More Inventory = More Opportunity
When more homes hit the market, sellers have to compete harder. This often leads to:
- Price flexibility
- Better terms for buyers
- Easier access to value-add or distressed properties
For buyers or investors looking to fix-and-flip, build rental portfolios, or capitalize on short-term holds, timing is everything. And in today’s market, acting fast can be the difference between getting the deal — or watching someone else close it.
The Role of Hopkins Financial Hard Money in a Shifting Market
Conventional loans can’t always keep up with the pace of opportunity. Appraisal delays, underwriting conditions, and income documentation can bog down the process — and kill a deal.
That’s where hard money comes in.
At Hopkins Financial Services, we offer fast, asset-based loans that allow investors to move quickly. Our loans are:
- Backed by the value of the property, not your credit score
- Funded in as little as 10–14 days for non-owner occupied… as little at 15-20 business days for owner occupied
- Flexible in structure, with interest-only or amortized terms
- Available statewide and across multiple states, subject to licensing requirements
Whether you’re buying a property in Boise, Meridian, Nampa, or beyond — hard money gives you the power to close fast and negotiate stronger.
Why Investors Choose Hopkins Financial Services
Since 1984, Hopkins Financial has funded over $1 billion in real estate loans. We specialize in private money for:
- Residential properties (owner occupied in Idaho Only!)
- Fix-and-flip projects
- Commercial and mixed-use properties
- Bridge loans and land development
We’re Idaho-based and understand the unique challenges — and opportunities — in our local markets. From start to finish, you’ll get personalized service, honest terms, and fast answers.
Let’s Talk About Your Next Investment
If you’re ready to take advantage of the growing inventory in Boise and surrounding markets, we’re here to help you act fast and smart.
Reach out today to learn more about how a hard money loan can give you the edge in a shifting market.
