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Well we are closing this year out and so much has happened in the Real Estate World in 2007. Just about the beginning of the year the lending started to get a little shaky or I should say starting to correct itself back to normal. The first quarter lenders started closing their doors, by mid year the results of the loan practices of the last few years were showing itself in full bloom. Some parts of the nation went in to a total backward slide in home prices. States like Michigan, Florida were hit pretty bad. Michigan's woes can be (2 comments)
Salt Lake Comparative Market Analysis How is the value of a home determined? This is great question that has more than one answer. Home Values from a Buyer's Point of View From the buyer's perspective it is supply and demand. They comparison shop, they will look at all the homes in their area and price. They will compare the price along with the features and benefits that are associated with the property. Things like area, square footage, number of bathrooms, garage, condition... As you can see the example in the table below, it is that simple. The property that offers (0 comments)
The headlines are everywhere. FBI Launches Mortgage Fraud Task Force in the Nation's Capital Easy loans + red hot real estate = the perfect recipe for mortgage fraud Mortgage Fraud 101: Investigator Finds 400 "Crash and Inflate" Scams I am always amazed at the creativity of the techniques used to commit fraud. I remember the first time I sat in the Continue Education Class a few years ago that was on loan fraud. I came out of there with what were pretty good ideas. I often wondered did the class help educate or teach more people how to commit fraud. (9 comments)
Banging On My FHA Drum Again There have been a couple of changes recently in the lending arena, Fannie Mae and Freddie Mac have added a new risk assessment fee and they are adding "delivery fees" First let's look at the risk assessment fee for those buying with a higher than a 70% loan to value ratio. Credit scores will determine the amount of the rate adjustment. Credit scores between 660-679: 0.750% of loan size in fees Credit scores between 640-659: 1.250% of loan size in fees Credit scores between 620-639: 1.750% of loan size in fees Credit scores below (0 comments)
Mortgage Rates In Salt Lake City - 12/15/07 11:43 AM
Rates have gone up a little in the last week, or should I say last rates dipped a little below six. There are deals out there. Conforming mortgage rates mentioned below are considered with loan amounts up to $417,000 for a single family residence and is owner occupied. It is with proving your income and a "full document borrower". The rates quoted are based on a purchase price of $200,000 on a 30-day lock. On these conforming loans, there are no prepayment penalties involved. If you would like any additional scenarios done, please call for that information at 801-747-1233 and ask for Cindee or (0 comments)
Enough about Me, What about Me - 12/09/07 07:53 PM
I have been meme'd. So now I have to tell the world about me. I imagine a lot of you have seen My Red Brain around the web. Makes you wonder how close or how far off you are when you read about people. How many would have guessed the below 5 things about me. The person that meme'd me Charles Woodall http://www.dothanhomesearch.com/ So about me besides Real Estate •1. I love God and I enjoy studying the Bible. •2. I am 49 years Old, married almost 18 years (3/3/90) To an awesome and gorgeous woman, I have two children ages 5 and 10 (I am (1 comments)
Seller’s Property Condition Disclosure - 12/08/07 07:49 PM
One of the documents used in selling a home is the Seller's Property Condition Disclosure. Seller is obligated under law to disclose to buyers defects in the property known to seller that materially and adversely affect the value of the property that cannot be discovered by a reasonable inspection by an ordinary prudent buyer. This disclosure form is designed to assist seller in complying with these disclosure requirements. Please thoroughly disclose your actual knowledge regarding the condition of the property. (8 comments)
Salt Lake City Police Department Public Information Office Phone 801-799-4203 315 East 200 South Salt Lake City, Utah 84111 Media Advisory Free Combination Smoke/Carbon Monoxide Detectors Each year in America, unintentional carbon monoxide (CO) poisoning claims more than 500 lives and sends another 15,200 people to hospital emergency rooms for treatment. CO gas can come from several sources: gas-fired appliances, charcoal grills, wood-burning furnaces or fireplaces and motor vehicles. The Salt Lake City Police Department and the Salt Lake City Fire Department are offering free smoke/carbon monoxide alarms to residents of Salt Lake City. The Police and Fire Departments received funding for these items through (1 comments)
When selling Real Property in Utah the standard form to use is called Real Estate Purchase Contract. a.k.a. the REPC (pronounced Rep-See). This is the form that Licensed Real Estate Agents must use, buyer and sellers may use any form they choose however if there is a Real Estate agent involved then this is the form. This form is approved by the Utah real estate commission and the office of the Utah attorney general, effective august 5, 2003. It replaces and supersedes all previously approved versions of this form. It is actually a very good document and covers most circumstances that could arise. (3 comments)
The Bush administration's FHA secure has over 33,000 families so far and expects to have helped 50,000 by year's end. In light of all the changes taking place in the mortgage world, FHA is really a life saver. Remember FHA Does Not Use FICO Scores WHAT IS FHA SECURE? On August 31, 2007, President Bush announced the creation of FHASecure. Backed by the government, FHASecure is enabling homeowners who have a history of on-time mortgage payments under their original interest rates, but missed payments after their rates reset, to refinance into FHA's mortgage insurance program. Families with high-cost mortgages and mortgages that are due (0 comments)
The Company That Keeps On Giving - 12/02/07 07:12 PM
It is that time of year where we have our annual office Christmas Party. Everyone gets dressed up and we have a lot of fun and we spend a lot of money. This year we decided because the market has shifted we are going to have a potluck on Tuesday the 18th right after team meeting and take the money we would have spent on an elegant evening and give it to those in KW Midvale family that might be struggling and make sure they have a Merry Christmas. For more or giving
Snowing In Cottonwood Heights - 12/02/07 05:07 PM
Well we had our first GOOD snow for the season. Several things are noticed, people have their ski clothes on, and bus stops along Ft Union Blvd are full of those not old enough to drive as they are headed up the Canyons. Yes it is winter time, Thanksgiving is over there is snow on the ground and it is cold. Now this brings us to another point, the hidden keybox. You know the one's on the side of the house on the gas meter. Not so bad in the nice weather, but with several inches of snow on the ground it is (0 comments)
Salt Lake County Rental and Vacancy Rates - 12/02/07 04:51 PM
Now Is A Good Time To Buy Rental Properties In Salt Lake Salt Lake County Rental Rates have risen and are expected to rise again. Along with the money tightening and the endless stream of what would be first time home buyers, that enter the market every year they are now going into the rental pool. That along with inventory on the rise there are definitely good deals to made. Another factor is our employment, not many people will be leaving the area, in fact immigration continues because of our employment growth, we will fair the real estate market pretty (0 comments)
Today a seller asked me if this is a good time to sell. I asked if she was definitely moving and her response was yes. So then I told her it was a great time to move. Now does that mean I am going to throw up a sign and get three offers? No. But if you think about it, there never is a good time to move. Selling a house, packing, relocating the kids, the dog... Then the question comes up, isn't it better to wait till the spring? The answer is a resounding NO. Then the question is, aren't there more (1 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.