Showing posts with label real estate. Show all posts
Showing posts with label real estate. Show all posts
Thursday, November 12, 2015
Wednesday, October 14, 2015
Don't invite a plumber to your Halloween festivities
Don't invite a plumber to your Halloween festivities.
Keep pumpkin innards away from your sink!
http://www.houselogic.com/blog/plumbing/what-can-go-in-garbage-disposals/?cid=eo_sm_fb_mxm-social
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real estate,
Utah
Monday, September 28, 2015
Annual Layton City Kendall O. Bryant Open House
Annual Layton City Kendall O. Bryant Open House 9-30-15 5pm-8pm
Layton City Fire Department announces the annual Kendall O. Bryant Fire Prevention Open House to be held on Wednesday September 30, 2015, at Layton City Fire Station, 530 North 2200 West, Layton, from 5:00 PM to 8:00 PM. We invite the media to this event. PIO will be available at 4:30 PM for “talking points” of this year’s theme and event highlights. He can assist during the event.
Media Highlights: (Average attendance 3,000)
· Working smoke alarms can make a life-saving difference in a fire. That’s the message behind this year’s Fire Prevention Week campaign, "Hear the Beep where you sleep!" Working smoke alarms cut the chance of dying in a fire in half. Meanwhile, almost two-thirds of home fire deaths resulted from fires in homes with no smoke alarms or no working smoke alarms. "In a fire, seconds count," said Doug Bitton Layton City Fire Public Information Officer. "Roughly half of home fire deaths result from fires reported at night between 11 p.m. and 7 a.m. when most people are asleep. Home smoke alarms can alert people to a fire before it spreads, giving everyone enough time to get out."
· State Fire Marshal’s Office Earthquake Trailer “Feel the quake and know what to do”
· Many interactive fun things for children, Junior Fire Muster, Fire Engine Rides, Sparky’s Theater. Food from outstanding Food Truck’s.
· Firefighters show children the great lifesaving item used in the Fire Service, A Thermal Imaging Camera to search for them or a pet in a smoke filled area.
· Working smoke alarms can make a life-saving difference in a fire. That’s the message behind this year’s Fire Prevention Week campaign, "Hear the Beep where you sleep!" Working smoke alarms cut the chance of dying in a fire in half. Meanwhile, almost two-thirds of home fire deaths resulted from fires in homes with no smoke alarms or no working smoke alarms. "In a fire, seconds count," said Doug Bitton Layton City Fire Public Information Officer. "Roughly half of home fire deaths result from fires reported at night between 11 p.m. and 7 a.m. when most people are asleep. Home smoke alarms can alert people to a fire before it spreads, giving everyone enough time to get out."
· State Fire Marshal’s Office Earthquake Trailer “Feel the quake and know what to do”
· Many interactive fun things for children, Junior Fire Muster, Fire Engine Rides, Sparky’s Theater. Food from outstanding Food Truck’s.
· Firefighters show children the great lifesaving item used in the Fire Service, A Thermal Imaging Camera to search for them or a pet in a smoke filled area.
The annual open house is named after Firefighter Kendall O. Bryant who died in the line of duty while searching for victims in a house fire on March 31, 2000. Kendall dedicated much of his time to educating children about fire safety.
The open house will also have many activities for the whole family to participate. There will be free rides on one of the fire engines. A donation of a canned food item for the Family Connection Center Food Bank is suggested.
Friday, September 18, 2015
School for Homebuyers??
School for Homebuyers?
Now that the kids have gone back to school, vacations are over and the weather is starting to turn, it’s time to get serious about hunting for a house. Homebuying used to be simple: you saved up some money for a downpayment, enlisted the aid of a real estate agent, found the home you wanted, made and offer and closed the deal. But since the housing meltdown, first-time buyers need savvy skills to negotiate the complexities of credit scores, pre-qualifications, pre-approvals, loan options and closing.
Last April, FannieMae announced its new HomePath Ready Buyer Education Program for first-time homebuyers.
Available completely online, you can attend homebuyer school from the comfort of your living room. When you “graduate” you may qualify for assistance for up to three percent of the purchase price in closing cost toward purchasing a qualified HomePath property. According to FannieMae, this means that on a $150,000 home, you could save up to $4,500 in closing costs on a HomePath qualified home. (Homepath homes are those owned by FannieMae.) More than that, unlike your college tuition, Fannie Mae says it will reimburse your $75 tuition cost at the time of closing on your new home. What could be better than that?
What you’ll learn
Buying your first home is daunting. You have your own fears of taking this gigantic financial step mixed with a boatload of new information, complex processes and paperwork, and new responsibilities. The daunting task of saving up the downpayment actually pales in comparison to the paperwork and meeting the other requirements of purchasing a home with a mortgage.
The total course should take you about four to five hours to complete and you’ll take a quiz (no daunting final exam here) at the end. In the nine, 30-minute sessions, you’ll learn:
- How to determine what you can afford
- Homebuyer pitfalls to avoid
- Ways to decide which home to buy
- Options for lowering your down payment requirement
- The best things to include in your offer
- How to navigate closing complexities
The course exceeds both HUD standards and the National Industry Standards for Homeownership Education and Counseling, but is designed to be both user-friendly and doable from you’re the comfort of your sofa, smart phone or tablet.
Eligibility for the closing cost assistance and reimbursement of the training cost requires that the buyer complete the entire HomePath Ready Buyer training course online and receive the Certificate of Completion.
Buyers must be first-time homebuyers. NOTE: A first-time homebuyer is defined as a homebuyer that did not own property in the last three years, so former homeowners affected by the recession that have improved their credit score can qualify for the program.
The buyer must plan to live in the property as their primary residence. That means that action or investor sales are not eligible.
Exclusive offers
Completion of the HomePath program offers buyers an exclusive “first look” at newly listed foreclosed properties. During the First Look™ marketing timeframe, buyers can make an offer on a foreclosed home without competition from investors, flippers and other buyers looking for a great deal. Utilizing the First Look program, Fannie Mae hopes to promote homeownership and be instrumental in contributing to neighborhood stabilization. When homebuyers can negotiate and purchase foreclosed properties before they are made available to investors, the potential for pride of ownership to lift the community increases.
Fannie Mae uses real estate professionals to complete the home-buying process, so if you’re interested in the HomePath program, contact your real estate professional for more information.
School for Homebuyers? We are hear to help you find all the answers
*Taken from http://race2utah.com/school-for-homebuyers/
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Monday, April 27, 2015
ATTN: Home Owners The Spring Real Estate Market is Here!!
Wednesday, April 8, 2015
How to Be a Smart Home Buyer in a Seller's Market
How to Be a Smart Home Buyer in a Seller's Market
In many cities and neighborhoods around the country, it's a seller's market. The National Association of REALTORS officially declared there was a housing supply shortage and homes are starting to sell fast and for high prices. While it's great to be a seller in this market, it is tough to be a buyer. However, it doesn't mean there isn't a great house out there for you to purchase; it just means your buying strategies must change to reflect the current market.
If you are looking to buy a home, be it your forever home or an investment property, don't let a seller's market scare you. This isn't the first seller's market, and it certainly won't be the last. A number of my students have asked, "Marko Rubel, should I just wait out the market until I have the upper hand?"
While this largely depends on the individual's situation, a seller's market doesn't mean you have to wait. If you are in the market for a home now, you can certainly proceed, but be aware of the key elements of smart home buying tactics in a seller's market:
Check Your Credit in Advance
Before you even start looking for a home, check your credit. Even 12 months isn't too early to start getting your finances in order before buying a house. By checking your credit early, you can ensure that there aren't any mistakes that are lowering your score. It takes time to correct issues such as these, so don't delay.
Before you even start looking for a home, check your credit. Even 12 months isn't too early to start getting your finances in order before buying a house. By checking your credit early, you can ensure that there aren't any mistakes that are lowering your score. It takes time to correct issues such as these, so don't delay.
Learn How To Buy WITHOUT Your Credit
If you don't have good credit, you can still buy a home. Visit Amazon and search for Marko Rubel. My book How To Invest in Real Estate Without Banks teaches you creative strategies that can help you buy real estate. If you don't have a lot of money or good credit, it makes sense to learn the strategies that could allow you to build equity and benefit from homeownership.
If you don't have good credit, you can still buy a home. Visit Amazon and search for Marko Rubel. My book How To Invest in Real Estate Without Banks teaches you creative strategies that can help you buy real estate. If you don't have a lot of money or good credit, it makes sense to learn the strategies that could allow you to build equity and benefit from homeownership.
Get Pre-approved
Along with checking your credit, get preapproved by a lender before looking at houses. Not only will this confirm what you are able to spend on a home, it also eliminates a huge step in the process. Furthermore, being preapproved is attractive to sellers because they know you are prepared and serious about buying.
Along with checking your credit, get preapproved by a lender before looking at houses. Not only will this confirm what you are able to spend on a home, it also eliminates a huge step in the process. Furthermore, being preapproved is attractive to sellers because they know you are prepared and serious about buying.
Stay Within or Under Your Budget
In a seller's market, gone are the days of making a lower bid on a home and scoring a deal. Not only will prices be higher, but in many areas there are multiple offers on homes. By looking at homes at or above your budget, you may have to still offer more to get the home. Don't waste time and energy on making an offer only to realize you don't have the funds to outbid another buyer.
In a seller's market, gone are the days of making a lower bid on a home and scoring a deal. Not only will prices be higher, but in many areas there are multiple offers on homes. By looking at homes at or above your budget, you may have to still offer more to get the home. Don't waste time and energy on making an offer only to realize you don't have the funds to outbid another buyer.
Look For Potential
While this is more common with first time home buyers, don't assume you can find your perfect dream home within your budget. This is especially the case in a seller's market. This doesn't mean you have to settle for a home you'll never love; but it does mean you may have to use your imagination and overlook the small problems, such as stained carpet, old wallpaper, and loose door knobs. Focus on finding a good neighborhood and a home that has a solid foundation.
While this is more common with first time home buyers, don't assume you can find your perfect dream home within your budget. This is especially the case in a seller's market. This doesn't mean you have to settle for a home you'll never love; but it does mean you may have to use your imagination and overlook the small problems, such as stained carpet, old wallpaper, and loose door knobs. Focus on finding a good neighborhood and a home that has a solid foundation.
Be Ready to Move Quickly In a seller's market, homes sell quickly and, in particularly competitive neighborhoods, homes can sell within the first few days of being listed. If you see a home you would seriously consider buying, talk with your realtor about making an offer. Don't dwell and think about a house only to find out someone beat you to the punch.
Make a Competitive Offer
A seller's market is not the time to make lowball offers. Before you submit an offer, get an idea of what neighboring homes sold for recently. Your realtor should be able to give you an estimate of what the home is truly worth. From there, make a competitive offer. If you bid too low, a seller may not even come back with a counter offer; they could just say "no." In this competitive market, there is a good chance you will have to be at or above listing price, so keep this in mind when making an offer.
A seller's market is not the time to make lowball offers. Before you submit an offer, get an idea of what neighboring homes sold for recently. Your realtor should be able to give you an estimate of what the home is truly worth. From there, make a competitive offer. If you bid too low, a seller may not even come back with a counter offer; they could just say "no." In this competitive market, there is a good chance you will have to be at or above listing price, so keep this in mind when making an offer.
If you are ready to buy a home, don't let a seller's market scare you away. It's still possible to find a great home, but you do need to be ready to face a few challenges. However, by being prepared and having a strategy ahead of time, you can confidently navigate the market!
Monday, April 6, 2015
Are You Ready to Sell?? NOW IS THE TIME!!
ARE YOU READY TO SELL?? NOW IS THE TIME!!
Midwest, West Lead Pending Home Sales
DAILY REAL ESTATE NEWS TUESDAY, MARCH, 21, 2015
Pending homes sales in February surged to the highest level since June 2013, led by significant gains in contract signings in the Midwest and West, according to the latest reading from the National Association of REALTORS Pending Home Sales Index, a forward-looking indicator based on contract signings.
Pending home sales last month increased 3.1 percent month-over-month, and contracts are up 12 percent over last year's totals. Sizable sales gains in the Midwest and West helped to offset smaller declines in teh Northeast and South, according to NAR.
"Pending sales showed solid gains last month, driven by a steadily-improving labor market, mortgage rates hovering around 4% and the likelihood of more renters looking to hedge against increasing rents," says Lawrence Yun, NAR's chief economist. "These factors bode well for the prospect of an uptick in sales in coming months. However, the underlying obstacle - especially for first-time buyers - continues to be the depressed level of homes available for sale."
The share of first-time home buyers did inch up slightly in February - the first increase since November 2014. First-time home buyers made up 29% of buyers in February, up from 28% in January.
"Several markets remain highly-competitive due to supply pressures, and REALTORS are reporting severe shortages of move-in ready and available properties in lower price ranges," said Yun. "The return of first-time buyers this year will depend on how quickly inventory shows up in the market."
Call today & let us help you analyze your home's value to determine if NOW is your time to sell!!
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Monday, March 30, 2015
Price Reduced on This Beauty!! - Midvale, UT
Friday, March 13, 2015
Great New Listing - Brigham City, UT
Darling updated clean as a whistle home!! Newer kitchen, carpeting, tile. Modern colors. Spacious family room up and down. Attached garage with RV parking. Convenient location with a lovely view of mountains!!
| View the Tour |
Tuesday, March 3, 2015
Wednesday, February 25, 2015
Monday, February 23, 2015
Price Reduced on this Farmington Beauty!
Price reduced on this fabulous home in Farmington, Utah! Call today for your personal preview!
| View the Tour |
Friday, February 20, 2015
The 5 Latest ‘Must-Have’ Amenities of Home Shoppers
The 5 Latest ‘Must-Have’ Amenities of Home Shoppers
Posted in Home Trends, by Melissa Tracey on February 9, 2015
Besides an upscale kitchen and plenty of space, what are new-home buyers’ looking for when house hunting? Surveys by the National Association of Home Builders and homebuilder PulteGroup shed some light on a few of the latest in-demand amenities.
1. Walk-in closets: Large closets, particularly in the master bedroom, is among one of home shoppers’ top priorities, according to the NAHB survey of builders and remodelers. Indeed, 31 percent of 1,000 home owners recently surveyed by PulteGroup said they’d sacrifice another household feature in order to have his-and-hers closets in the master bedroom.
2. Luxurious laundry rooms: Buyers are looking for more than just a place to stick their washer and dryer. They want upgraded laundry rooms – complete with skylights, built-in ironing boards, space for folding clothes, extra storage, and upgraded appliances, according to the NAHB survey.
3. Energy efficiency: Home buyers are looking to cut utility costs, and energy efficiency appliances and products can be one way to do that. Low e-windows, Energy Star appliances, and programmable thermostats are more in demand among home shoppers.
4. Great rooms: These large open spaces that often merge dining rooms, living rooms, and kitchens continue to be in high-demand among home shoppers, according to NAHB’s poll of builders. “Great rooms are wonderful places where everyone in the family can sit around, or where the kids can do their homework while you get dinner ready,” Stephen Melman of NAHB told MainStreet. “Today’s great rooms are large, bright and just make you feel good being there.”
5. Taller first-floor ceilings: More home buyers want the first floor to stretch beyond the typical eight-foot ceiling. They’re asking builders for nine-foot ceiling heights. The taller ceilings can open up living rooms, dining rooms, and other spaces on the first floor. But home shoppers say they can do without the cathedral ceiling in the family room, which can be too costly to heat and cool. Also, they aren’t preferring the higher ceilings on the second floor, which many home buyers say they want to feel more cozy, Melman says.
Wednesday, February 18, 2015
Thursday, February 12, 2015
Looking at Homes - Online vs In Person

This is so true!! We always say ya got to walk through the home, to see it, to smell it, to touch it. Then you'll know if it's the right one for you!
Let us know how The Tiger Ladies at Golden Spike Realty can help you in finding your next adventure in home ownership!! It's what we do :)
Wednesday, February 11, 2015
Lick the house!!
Here was our chuckle for the day! This commercial reminded me of our cute client - she said she licked the house! It was the one for her :) Please don't lick the house, friends...for your sake & ours :)
Monday, January 12, 2015
5 Things to Consider before tapping your home for cash!!
During the housing bust, many homeowners were cut off from a popular source of funds: their homes.
But as home prices recover, more people have been able to tap their home's equity to pay for renovations, consolidate debts or help pay for other big ticket items.
Home equity lines of credit were up 27% during the year ended June 30, according to financial services company Experian and consulting firm Oliver Wyman. And more people are expected to follow suit.
But does that mean a home equity loan (HEL) or home equity line of credit (HELOC) is right for you? Here are five things you need to consider.
1. Rates
In recent years, mortgage rates have hovered near historic lows -- with nearly 9 million borrowers getting 30-year fixed mortgages at or below 4%, according to CoreLogic.
Now rates are expected to rise.
"We may be in for a more volatile period," said Keith Gumbinger, of HSH.com, a mortgage information firm. Coming to an end next month are several of the Federal Reserve's efforts to keep rates low under its quantitative easing monetary policy, he noted.
So if you are one of the borrowers who locked in an ultra-low rate in the past few years, a home equity loan or HELOC could save you more money than refinancing the entire mortgage through a cash-out refinance.
If you refinance your loan now, you're likely to pay a rate that is as much as a percentage point higher than your original loan. And you will be paying that rate on the entire loan balance.
"Somebody who has a 3.5% first mortgage is not going to do a cash-out refinance at 5.5% unless they absolutely have to," said Greg McBride, senior financial analyst for BankRate.com.
While rates on home equity loans tend to be a couple of percentage points higher, you will only be paying that higher rate on a fraction of your total loan balance.
HELOCs tend to offer competitive rates, but they are often adjustable, meaning there is a risk they will rise. Again, you will only pay the higher rate on the amount of credit you've taken out.
2. Costs
The price you'll pay upfront to get a home equity loan or HELOC is far cheaper than refinancing.
That's because many lenders make you go through the full underwriting process when you refinance -- and they charge all the fees that go along with that process, too.
You can expect to pay inspection and attorney review fees, for example, and you will have to get a new title search and insurance, which can typically cost $1,000 or more, depending on the size of your mortgage. In total, all of those upfront costs of refinancing can put you back two to three grand depending on the size of your loan.
Meanwhile, some lenders issue home equity loans or lines of credit with no upfront costs; borrowers pay for their application, appraisal and other fees by paying a higher interest rate.
3. Time
When you take out a home equity loan or HELOC, you keep making your payments on the same payment schedule.
When you refinance a loan, however, the clock resets.
So even if you've paid 30 months on a 30-year loan and then refinance, when you make your first payment on the new loan it will be like starting at day one of the 30-year term.
However, if you opt to roll the 30-year loan into a 15-year one, that would then reduce the number of payments you make but increase the amount of your payments each month.
4. What the loan or line of credit is for
The best reason to take out a home equity loan is when it has some positive impact on your finances. Using it to pay for a renovation that adds value to your property, for example, or to pay for an advanced degree that can increase your earning power.
Of course, there are times when borrowing against your home doesn't make sense.
It can be foolish to tap your home's equity for nonessential spending, for example. Using home equity to buy a Mercedes, pay for a luxury vacation or make some other discretionary purchase can be a foolish move. The money will be gone and you will be paying off the debt for years to come.
Draining your home of equity can also put you on the road to foreclosure. Run into unexpected expenses and there's one less source of funds to tap.
5.Tax benefits
Just like first mortgages, certain home equity loans and HELOCs are eligible for the home mortgage interest deduction. Borrowers can deduct up to $100,000 of interest paid on a mortgage's principal.
That's not always the case when you pursue a cash-out refinance.
http://money.cnn.com/2014/10/07/real_estate/home-equity-loans/index.html?section=money_realestate&utm_content=buffer9d2cb&utm_medium=social&utm_source=plus.google.com&utm_campaign=buffer
Monday, September 29, 2014
How to Inspect Windows & Doors to Stop Air Leaks...let's hope we don't have any :)
How to Inspect Windows and Doors to Stop Air and Water Leaks
Inspect windows and doors regularly to stop air and water leaks that mean costly energy and repair bills. We’ll show you how.
Take a close look at your windows, doors, and skylights to stop air leaks, foil water drips, and detect the gaps and rot that let the outside in. You can perform a quick check with a home air-pressure test, or a DIY energy audit.
Luckily, these inspections are easy to do. Here’s how to give your house a checkup:
Luckily, these inspections are easy to do. Here’s how to give your house a checkup:
How to Check for Air Leaks
A home air pressure test sucks outside air into the house to reveal air leaks that increase your energy bills. To inspect windows and other openings:
A home air pressure test sucks outside air into the house to reveal air leaks that increase your energy bills. To inspect windows and other openings:
- Seal the house by locking all doors, windows, and skylights.
- Close all dampers and vents.
- Turn on all kitchen and bath exhaust fans.
- Pass a burning incense stick along all openings -- windows, doors, fireplaces, outlets -- to pinpoint air rushing in from the outside.
How to Pinpoint Window Problems
Air and water can seep into closed widows from gaps and rot in frames, deteriorating caulking, cracked glass, and closures that don’t fully close.
To stop air leaks, give your windows a thorough inspection:
Air and water can seep into closed widows from gaps and rot in frames, deteriorating caulking, cracked glass, and closures that don’t fully close.
To stop air leaks, give your windows a thorough inspection:
- Give a little shake. If they rattle, frames are not secure, so heat and air conditioning can leak out and rain can seep in. Some caulk and a few nails into surrounding framing will fix this.
- Look deep. If you can see the outside from around -- not just through -- the window, you’ve got gaps. Seal air leaks by caulking and weather stripping around frames.
- Inspect window panes for cracks.
- Check locks. Make sure double-hung windows slide smoothly up and down. If not, run a knife around the frame and sash to loosen any dried paint. Tighten cranks on casement windows and check that top locks fully grab latches.
Some older windows can be repaired and save you money over new windows. However, if you think you'll automatically gain energy savings, think carefully -- there may be other, cheaper ways to cut utility bills, such as sealing air leaks.
Related: Should You Repair or Replace Your Windows?
Inspecting Doors for Leaks
Related: Should You Repair or Replace Your Windows?
Inspecting Doors for Leaks
- Check doors for cracks that weaken their ability to stop air leaks and water seeps.
- Inspect weather stripping for peels and gaps.
- Make sure hinges are tight and doors fit securely in their thresholds.
Related: Choosing an Exterior Door
Checking Out Skylights
Brown stains on walls under a skylight are telltale signs that water is invading and air is escaping. Cut a small hole in the stained drywall to check for wetness, which would indicate rot, or gaps in the skylight.
To investigate skylight leaks, carefully climb on the roof and look for the following:
Checking Out Skylights
Brown stains on walls under a skylight are telltale signs that water is invading and air is escaping. Cut a small hole in the stained drywall to check for wetness, which would indicate rot, or gaps in the skylight.
To investigate skylight leaks, carefully climb on the roof and look for the following:
- Open seams between flashing or shingles.
- Shingle debris that allows water to collect on roofs.
- Failed and/or cracked patches of roofing cement put down the last time the skylight leaked.
Related:
Skylight Installation and Costs
Increase Daylight to Fend off Seasonal Affective Disorder
Skylight Installation and Costs
Increase Daylight to Fend off Seasonal Affective Disorder
Read more: http://members.houselogic.com/articles/how-inspect-windows-doors-stop-air-and-water-leaks/preview/#ixzz3EjtyAeIj
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Thursday, September 25, 2014
Featured home - Layton, Utah
Updated & clean from top to bottom with new 2 tone paint, carpeting, laminate, furnace & A/C, water softener, additional insulation, newer water heater. Unique floor plan with family room/office on separate level with bedrooms. Large semi formal dining, spacious family room with fireplace, large master with master bath with separate tub/shower and walk-in closet. Built-ins and lots of storage. Fully fenced w/RV parking. Lovely, lovely home.
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Monday, July 14, 2014
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