Jules Espero Boise Real Estate

Call Directions Website Contact the practice

Jules Espero Boise Real Estate Strategic real estate for investors and out-of-state buyers across Boise, Meridian, Kuna, Eagle, and Nampa. Licensed in Idaho ( #7771160) with ADT Realty.

New construction, FHA multifamily, and relocation, from pre-approval through closing.

A lot of people think they need 20% down to buy a home. You don't.FHA loans allow as little as 3.5% down with a credit s...
10/13/2026

A lot of people think they need 20% down to buy a home. You don't.

FHA loans allow as little as 3.5% down with a credit score of 580 or higher. On a $450,000 home, that's $15,750. Some conventional loans go as low as 3% for first-time buyers.

There is a trade-off. A smaller down payment means mortgage insurance and a higher monthly payment. Still, spending years saving 20% while prices climb isn't always the better deal. Ada County's median price rose 6.9% from last August.

A lender can tell you exactly what you qualify for. If you don't have one yet, message me and I'll connect you with someone I trust.

Jules Espero | ADT Realty | Idaho License 7771160 | 208-789-5724

10/10/2026

The worry I hear most from buyers is that they'll overpay. It's a fair thing to worry about, so here's how I handle it.

Before we write an offer, I pull the recent sales that actually compare to the home and walk you through what it's worth. I look at how long it's been listed and whether the price has already dropped. Then we pick a number together, and you know exactly why we chose it.

You shouldn't have to guess whether you're getting a good deal. If you're starting your search, send me a message and we'll map out a plan.

Jules Espero | ADT Realty | Idaho License 7771160 | 208-789-5724

If you're thinking about buying, the first call I'd have you make isn't to me. It's to my lender, Fredy Razo at Summit F...
10/08/2026

If you're thinking about buying, the first call I'd have you make isn't to me. It's to my lender, Fredy Razo at Summit Funding.

Getting pre-approved before you tour tells you what you can actually spend, and it shows sellers you're ready. It also keeps you from falling for a house that doesn't fit your budget.

Fredy will walk you through your options and give you real numbers instead of guesses. He works with buyers and investors, in English and Spanish.

Send me a message and I'll connect you, or call Fredy directly at 208-919-8080.

Jules Espero | ADT Realty | Idaho License 7771160 | 208-789-5724

Rates were sitting right around 7% at the end of September. Here's what that actually does to a monthly payment.On a $40...
10/06/2026

Rates were sitting right around 7% at the end of September. Here's what that actually does to a monthly payment.

On a $400,000 loan, a 7% rate is about $2,661 a month in principal and interest. At 6.5%, it's about $2,528. That half point is worth roughly $133 a month, or about $1,600 a year.

That's real money, but it's only one piece of the payment. It's also something you can negotiate. A seller or builder credit can be used to buy your rate down, and sometimes that saves you more each month than the same amount off the price.

If you want me to run this math on a home you're watching, comment "rates" and I'll reach out.

Jules Espero | ADT Realty | Idaho License 7771160 | 208-789-5724

10/03/2026

Ada County's August numbers are out, and here's what they mean if you're thinking about buying.

The median sold price was $595,000, up 6.9% from last August. Homes sold in a median of 37 days, which is a little faster than last year. There were 1,979 single-family homes for sale, about 10% fewer than a year ago.

If you've been waiting for prices to drop, the data isn't showing that yet. What it does show is that most homes aren't selling in a weekend. You still have time to tour, think it over, and negotiate.

If you want to know what's happening in your price range, send me a message and I'll pull the numbers for you.

Source: Boise Regional REALTORS, Ada County single-family snapshot, August 2026.

Jules Espero | ADT Realty | Idaho License 7771160 | 208-789-5724

If you own a property and your life is changing, the next step may not be obvious.Selling may give you access to equity ...
10/02/2026

If you own a property and your life is changing, the next step may not be obvious.

Selling may give you access to equity and a clean exit. Renting may create income, but only after vacancy, repairs, insurance and reserves are included. Waiting may give you more time, especially when your current payment supports your longer-term plans.

The right answer depends on the property, the numbers and what you want the property to do next.

If you are deciding whether to sell, rent or wait, message me “OPTIONS.” I can help you compare the paths without pressuring you to list.

Jules Espero
ADT Realty
208-789-5724
juliaespero.me

My buyer just went under contract in Meridian!It's a brand-new 3 bed, 2 bath Blackrock Homes build in Windrow, and it's ...
10/02/2026

My buyer just went under contract in Meridian!

It's a brand-new 3 bed, 2 bath Blackrock Homes build in Windrow, and it's move-in ready. There's no waiting months for construction to finish.

Builders are still offering incentives on quick move-in homes. This one was listed with $10,000 in builder incentives. If you've written off new construction as too expensive, it's worth another look.

Send me a message if you're thinking about buying this fall. I'll pull the move-in ready homes for you.

Jules Espero | ADT Realty | Idaho License 7771160 | 208-789-5724

To the Veterans in our community: when you complete a transaction with ADT Realty, your $495 brokerage fee is waived.Thi...
09/29/2026

To the Veterans in our community: when you complete a transaction with ADT Realty, your $495 brokerage fee is waived.

Thinking about your next move? Send me a DM or call 208-789-5724. I’d be glad to help.

Jules Espero | ADT Realty

HTTPS://WWW.JULIAESPERO.ME/

Currently listed at $42,500.Know someone looking for land near Mountain Home? This 5-acre parcel is in the Air Force Com...
09/28/2026

Currently listed at $42,500.

Know someone looking for land near Mountain Home? This 5-acre parcel is in the Air Force Commercial Zone and approximately 2.5 miles from Mountain Home Air Force Base. Swipe through the aerial views and approximate parcel outline.

Message me or call/text (208) 823-3515 for listing details or to schedule a tour.

Jules Espero | ADT Realty | Julesrealestate

Boundary lines are approximate and shown for reference only. Not a survey. Confirm zoning, permitted uses, utilities, access, and parcel details independently.

Listed by Emily Meraz.

I am so grateful to be working with my brokerage, ADT Realty. If you have questions about buying or selling across the U...
09/27/2026

I am so grateful to be working with my brokerage, ADT Realty. If you have questions about buying or selling across the United States, including Puerto Rico, let me know! Happy to help.

Address

1120 S Rackham Way, Suite 300
Meridian, ID
83642

Telephone

+12087895724

Website

, ,

Alerts

Be the first to know and let us send you an email when Jules Espero Boise Real Estate posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Practice

Send a message to Jules Espero Boise Real Estate:

Shortcuts

Share

Category