4 parks for families in Twin Falls, Idaho

Twin Falls is a good place to take your family on a day out! Whether it is for a picnic or a special event that calls for celebration, Twin Falls parks have something for everyone. From tranquil lakes to wooded trails, here are five parks for families in Twin Falls.

Dierkes Lake Park

Situated on the shores of Dierkes Lake, this park offers stunning views of the Snake River and plenty of activities to keep kids (and parents!) entertained. The park has a boat ramp, playgrounds and plenty of wildlife.

Shoshone Falls Park

Home to the magnificent Shoshone Falls, this park is an ideal spot for nature lovers and photographers alike. You can take a leisurely stroll along the paved path or explore one of the many trails in the area.

College of Southern Idaho Nature Trails

With over five miles of trails that traverse wooded areas, grasslands, wetlands and creekside habitats, this park is a good place to go for an afternoon walk or early morning run with your family!

Sawtooth National Forest

A must-see destination for outdoor enthusiasts, this national forest has endless opportunities for hiking, fishing and camping with your family. You can also find plenty of lakes in the area where you can spend a day canoeing or kayaking with your loved ones.

Loan Officer Near Me

Are you looking for a loan in Twin Falls? If so, then look no further than Jaro Team! We have the tools and expertise to make sure you get the loan you need quickly and stress-free. At Jaro Team, our mission is to provide comprehensive financial services with integrity and accountability. We understand how important it is to be financially secure, so we strive to ensure that all customers are provided with personalized service and advice tailored specifically to their individual needs.

Jaro Team will work with you throughout the entire process, from start to finish, ensuring maximum convenience.

Contact us to get started!

3 Places To Get Breakfast In Twin Falls, Idaho

Breakfast is an essential part of staying healthy and energized throughout the day. Eating breakfast provides the body with much-needed fuel to start the day and can help to prevent mid-morning cravings. It’s also an important time to get key nutrients like protein, fiber, vitamins and minerals that help support a healthy lifestyle. Eating breakfast has been linked to improved concentration and performance in school and work.

The importance of breakfast cannot be overstated!

And if you live in Twin Falls, Idaho there are so many good places to eat breakfast.

Here are just a few.

Buffalo Café

If you’re craving a classic diner experience, look no further than the Buffalo Café in Twin Falls, Idaho. Start your day off with one of their delicious breakfast specials like the Three EggScramble or French Toast. For lunch, try their hearty sandwiches and burgers or go for something lighter like a salad or soup.

When it comes to dinner, the atmosphere at Buffalo Café can’t be beat! Enjoy classic entrees such as steaks and chicken fried steak, casseroles made from scratch and more! Finish off your meal with a slice of homemade pie.

Twin Beans Coffee Company

Twin Beans Coffee Company is the perfect spot to grab a cup of coffee in the heart of downtown Twin Falls. Offering a variety of freshly roasted beans and brewed coffee drinks, this place has everything you need to satisfy your caffeine craving.

For those who prefer something cold, there are also iced coffee or tea options such as iced matcha latte or chai tea. If you’re looking for a little something extra with your caffeine fix, try one of their homemade desserts like cheesecake or brownies. They also offer vegan alternatives if that’s more your style! Plus, there’s a selection of breakfast items like bagels and muffins.

Black Bear Diner

Black Bear Diner is a cozy spot to get a home-style meal in the heart of downtown Twin Falls. You can get classics like omelets, pancakes, and waffles. If you’re looking for something lighter, the salad bar offers fresh greens, veggies and other healthful toppings. There’s also a selection of soups and chili to choose from as well! Plus, they offer vegan and gluten-free options.

The friendly atmosphere makes it feel like home and the staff is always eager to help out with whatever you need!

If you are interested in Twin Falls real estate, contact us today about a home loan.

Tips for winterizing your home

The cold months of winter can be an easy reminder to cross some home maintenance projects off your list. Drafty rooms, dampness along windows and doors, and inconsistent temperatures throughout your home could be signs that it’s time to winter-proof your home.

Weatherizing your home can regulate temperatures and keep everyone a little more comfortable. You may also save money on your energy bill by sealing off leaks so warm air stays where it belongs.

Here are some simple ways to weatherize your home this winter season.

Check insulation

Depending on the age of the home, layout and other factors, it’s possible that installing new insulation is in order.

Well-insulated attic, flooring and crawlspaces can allow for temperatures inside the home to hold better and may also reduce energy costs, among other benefits. Solid home insulation also means less stress on your central heating and air system. This is the type of project that can be accomplished DIY-style, or you can hire a professional who can also conduct an energy audit to make sure everything is running like a well-oiled machine.

Update home décor

What does style have to do with comfort? Very little. But home décor, such as curtains and rugs, is a factor in home weatherization. Thick curtains can absorb the effects of a drafty window. A large area rug over cold floors will make everyone feel a little cozier.

Caulking for windows

Windows that breathe and let cold drafts inside are not ideal for keeping temperatures where you’d like them. They can also eat up energy resources and cause your utility bill to go up when it’s cold or hot outside. While window replacement is one possible solution, re-caulking is an effective and inexpensive way to weatherize your home.

Simple caulking applications around every window and door may seal off any openings that allow cold air to come in. This is another project you can do yourself, as there are plenty of step-by-step instructional aids online that will point you in the right direction.

Foam it in

Behind the plastic plate behind most of your home’s electrical outlets is a wider cavity that can let cold air into any room in the house. A simple ready-to-use foam spray can get into the crevasses and keep out cold air for good. This budget-friendly home weatherization project can be completed in just minutes.

Just make sure to take all necessary safety precautions before working with the outlet cover and filling with foam.

Seal with weather stripping

Filling in gaps and openings are a common theme in home weatherization. Along with other products, you can also use weather stripping for doors and windows. It’s one of the easiest replacements you can do as some products simply slide into place.

Did you know that sealing these gaps on doors and windows can save up to 15 percent on energy costs? This is just another incentive to weatherize your home this holiday season.

Every home weatherization project can make a difference in keeping things airtight. A well-insulated home can maintain temperatures, produce energy savings and make things just a little bit more comfortable all around.

Should you shop for a home during holidays?

With so much going on during the holiday season, who has time to buy a house? Yet, buying a home during the holidays could be an unconventional strategy that may get you ahead.

It might be hard to believe, but it’s possible to take advantage of today’s market. Here are some reasons why this holiday season could be the time to move in on a home of your dreams.

Fewer buyers

Some would-be buyers are in hibernation this time of year. As a result, the real estate market is less crowded. As demand subsides, the chances of your offer on a home being accepted may be higher. Home sellers are also aware of this wintry dynamic. They may be unlikely to list their home given the lack of competition. Their eyes could be set on spring, and prospects of a larger pool of homebuyers. So, if they do decide to list during winter, it’s more likely that they are well motivated and in sell-now mode  – which is another leg up to the homebuyer.

Discounted home services

The industry’s support service providers also experience a lull to their business this time of the year. Movers, inspectors, contractors and others with a professional lane in real estate might be more inclined to offer specials and discounted rates in the winter months.

It’s also less of a hassle to hire them during the holidays, which may help homebuyers save on time in addition to money. Since it’s not the typical season for home buying, this is another financial perk homebuyers may be able to count on if they decide to buy in the coming weeks and months.

Faster closing

Most people engaged in the real estate business right now want to get a deal done fast. Motivated sellers, for example, will work with real estate professionals to speed things up and might even make concessions along the way. Real estate agents, for example, might heed to their clients’ urgent schedules. And because it’s the holidays, they also might want to get off the hook and move forward with expediency wherever possible.

If you’re looking for an accelerated timeline to your home purchase, this could be the time to get it.

Greater flexibility from agents

Homebuyers might have better luck finding a real estate team to get them across the finish line. Since demand is not in peak, agents could have a little extra room to guide you through process. And if you’re entering the market to buy a home during winter, the real estate team knows you mean business and should be more than happy to help fulfill your holiday wish of becoming a homeowner.

If you need any help with the loan side of the purchase during the holidays, we can help! We would be honored to partner with you. Contact us today to learn more.

Power up in today’s real estate market with 3-2-1 mortgage loan program

With rising home costs and interest rates, some would-be homebuyers may feel like they don’t have many options right now. With the 3-2-1 mortgage program, however, people can reinsert themselves into the market with confidence that they’ll turn the corner on homeownership.

Homebuyers come first

The Jaro Team pushes every button and uses every tool to make homebuying more accessible. The new 3-2-1 buy down lending program is our answer to the homebuyers’ evolving mortgage needs.

It reduces the stress of today’s higher housing costs by creating a little extra breathing room, especially during the first few years of a mortgage loan.

Here’s how it works

When borrowers choose the 3-2-1 mortgage program, they will enjoy a lower interest rate for the first few years of the loan, before it switches to a permanent, yet manageable rate in the following years.

Borrowers will pay an up-front fee, like purchasing discount points, to reap the benefits of the 3-2-1 mortgage program. The 3-2-1 loan program is used for primary residences and second homes, but not investment properties. It also doesn’t work in tandem with an adjustable-rate mortgage program.

The “3-2-1” refers to how the interest rates are structured during the first three years. Homeowners will pay 3 percent less on interest in the first year; in the second year the discount will be two percent; and in the third year it’s a one percent reduction.

Once the lower-interest rate period ends, the permanent rate kicks in for the remainder of the loan.

More benefits

A reduced mortgage rate translates into additional savings and buys time before the mortgage resets. For example, if there’s a big-ticket item loan with three years left before it’s paid off, the 3-2-1 mortgage buydown program creates some financial wiggle room to focus on other commitments.

Lower monthly payments for three years are an opportunity to redirect income toward a savings account. After the lower interest rate period ends, homeowners will have clarity about how much they will pay moving forward, allowing them to prepare the family’s budget.

Last but not least, the homebuyer can skip paying for the upfront cost of the 3-2-1 loan. In some instances, home sellers are willing to pick up the tab as an incentive to accelerate the home sale. Homebuilders are also sometimes willing to use a similar tactic to get homebuyers into a brand-new home.

This interest rate reprieve lets homeowners take on homebuying with renewed confidence. The 3-2-1 buydown loan makes homebuying more accessible and increases a homebuyer’s financial wherewithal during the critical first few years of homeownership.

Contact us today to learn more!