The July 2025 Boise housing market tells an interesting story: inventory is climbing, sales are steady, and prices are holding strong. According to the latest Boise Regional REALTORS® (BRR) report, Ada County now has nearly three months of supply, up 23% year-over-year, while Canyon County sits just under three months as well. Homes are still moving—closings were up 17–21% from last July—but buyers have more choices and sellers face more competition.
So, what does this mean for real estate investors, buyers, and sellers in the Treasure Valley? Opportunity—but only if you have the right financing partner.
That’s where Hopkins Financial Services, Idaho’s trusted private money lender since 1984, comes in.
The Market Challenge: More Choices, More Competition
- Rising Inventory: With nearly 3 months of supply, buyers can take their time, but sellers need to stand out.
- Steady Sales: Transactions are happening quickly when homes are priced right, as days on market dipped into the 30–40 day range.
- Financing Hurdles: Banks are still slow, rigid, and often unwilling to fund non-traditional deals—leaving many buyers and investors stuck on the sidelines.
For real estate investors, builders, and even homeowners caught in the “buy before you sell” dilemma, this market demands fast, flexible financing.
How Hopkins Financial Helps in Today’s Market
At Hopkins Financial, we specialize in hard money loans—fast, asset-based lending that prioritizes the property’s value over rigid bank criteria. Here’s how our private money solutions are helping clients right now:
- Fast Closings to Win Competitive Deals
When multiple buyers are eyeing the same property, waiting 30–60 days for a conventional mortgage approval isn’t an option. Hopkins can close in 7–30 business days, giving our borrowers the edge in today’s competitive offers.
- Bridge Loans for Flexibility
Need to buy your next property before your current one sells? Our bridge loans give sellers and investors the short-term flexibility to move quickly without being stuck in the bank’s timeline.
- Financing for Non-Conforming Properties
From rural homes to mixed-use buildings, land development, or properties needing major repairs, banks typically say no. Hopkins says yes. We finance unique and non-conforming real estate that doesn’t fit traditional underwriting.
- Cash-Out Loans for Investors
With values in Ada and Canyon County holding steady (and even climbing modestly), many investors are tapping equity to fuel their next project. Hopkins provides cash-out loans secured by real estate, unlocking liquidity to seize new opportunities.
- Solutions for Borrowers Banks Decline
Whether it’s a credit challenge, self-employment income, or timing issues, banks often turn away good deals. Hopkins focuses on the asset value and the deal potential—not just the borrower’s credit score—so projects can move forward.
Why Choose Hopkins Financial?
- Local Expertise: Serving Idaho and the Northwest since 1984.
- Proven Track Record: Over $1 billion funded in loans and real estate transactions.
- Creative Solutions: We make deals happen that banks won’t touch.
- Straightforward Terms: Typically 10–12% interest, 60–70% LTV, and no prepayment penalties on owner-occupied loans.
When the market shifts, so do the opportunities. With Hopkins hard money loans, buyers, investors, and sellers can act decisively in a competitive environment.
Final Thoughts: Opportunity in the Shift
The July 2025 Boise housing market is creating new chances for investors and homeowners alike. More inventory means more deals—but only if you have financing that can move as fast as the market.
At Hopkins Financial Services, we help you cut through the red tape of traditional lending so you can close quickly, unlock equity, and make smart moves in today’s real estate market.
Ready to explore your financing options? Contact Hopkins Financial Services today and let’s talk about how a hard money loan can help you seize opportunity in 2025.
