Selling a home in Kaysville, Layton, Farmington, Centerville, Clearfield Utah

Getting the House Ready to Sell: Disconnect Your Emotions

When conversing with real estate agents, you will often find that when they talk to you about buying real estate, they will refer to your purchase as a "home." Yet if you are selling property, they will often refer to it as a "house." There is a reason for this. Buying real estate is often an emotional decision, but when selling real estate you need to remove emotion from the equation.

You need to think of your house as a marketable commodity. Property. Real estate. Your goal is to get others to see it as their potential home, not yours. If you do not consciously make this decision, you can inadvertently create a situation where it takes longer to sell your property.
The first step in getting your home ready to sell is to "de-personalize" it.

"De-personalizing" is - to make impersonal.  This means, your house needs to show as neutral. This doesn't mean to remove all personal items, but it means to remove a majority of family pictures, religious items and other personal/emotional things.  Imagine yourself as a buyer, would you want a wall full of pictures glaring back at you?   Buyers want to be able to envision their things in the home. If they can not do this, they will move on to the next home.

If you want to know more, contact me for more secrets.
801-660-7023

Looking to buy in Ogden, Layton or Salt Lake Utah?

 If you are looking to buy in Layton, Kaysville, Farmington, Centerville, Bountiful, Salt Lake, Ogden, Syracuse or any of the surrounding areas, then this is for you!

Participating lenders are insured by the Federal Housing Authority FHA against incurring foreclosure losses as per an authorization by the Department of Housing and Urban Development (HUD).
The caveat is that only loans that are made to borrowers that meet loan limits and guidelines set by congress to qualify, and they can only be for the purchase and occupying of primary residences.

30 or 15 year fixed rate programs are available as well as 1 year adjustable rate (ARM) loans with conservative 1% annual and 5% lifetime caps.  Loan amount limits vary by state and county.
These types of programs, referred to as conventional loans, have some very attractive features compared to their non-conventional counterparts:

• Borrowers only need a down-payment of 3.5%, which can be gifted or loaned
• Qualifying FICO credit scores can be in the mid 600s which are very low
• Borrowers may qualify only 2 years after a chapter 7 and 1 year after a chapter 13 bankruptcy
• The pre-payment of the loan is allowed without penalty
• Borrower closing costs can be paid by the seller.

The FHA also offers variations to the program. One such variation has afforded opportunities for the greening of existing homes. Under the FHA 203K program, buyers can include the cost of improving the home into the purchase financing. In this event, the appraiser is allowed to appraise the value of the home at its after improvement value. This is so that the borrower can borrow the funds to purchase the home as well as the required funds to make the improvements. At closing, the seller receives the purchase money while the improvement money is held in escrow and paid to the contractors after the work has been completed. See more information about how this opportunity makes it possible to buy any home green.

Finally all FHA loans qualify for an Energy Efficient Mortgage (EEM) which allows a borrower to borrow additional funds to make the home energy efficient. The main feature of this enhancement to the FHA loan is that it does not require additional qualification. Instead the home qualifies because of the lowered cost of ownership.

Hopefully, the above information has been helpful to you. If not, contact your lender or call me and I can get you in touch with one of my great lenders.

Note: The above information may be different depending on your state and location. Please contact your lender for further or in depth information.

Realtor: Top Real Estate Agent FHA Mortgage Rates in Utah

Top Utah Realtor: Real Estate Agent serving in Davis and Weber County, Cities of Bountiful, Salt Lake, Ogden, Roy, Clearfield, Syracuse, Layton, Centerville, Farmington.

New FHA Rates dropped to help FHA Mortgage insurance to lower. This means with a lower rate, you can get a bigger home.


The new factor will be .85%. This is a large reduction to mortgage insurance!

As an example, if you bought a $200,000 home on an FHA mortgage with 3.5% down, the current monthly mortgage insurance would be $217.13 a month. With the new mortgage insurance rate the monthly amount will be $136.71!  That’s $80.42 less.

This is great news for you, this means you can have lower payments or qualify for more of a home loan.

Now is the time to buy and save money a month.
Contact me today.

Dave Vance Real Estate with Equity Real Estate
801-660-7023
http://davevance.net
http://weberdavisrealestate.com

Top Real Estate Agent: Realtor in Kaysville, Fruit Heights, Farmington Utah

Are you interested in moving to Kaysville Utah? Are you looking for a Realtor for your Real Estate needs? Contact me.
Dave Vance
801-660-7023
http://davevance.net
http://weberdavisrealestate.com

Top Utah Realtor Thought: Mortgage Rates in Utah

Are you thinking of buying a home and not sure about rates? Top Utah Realtor serving in Davis and Weber County, Cities of Bountiful, Salt Lake, Ogden, Roy, Clearfield, Syracuse, Kaysville Farmington and more.

In November and December 2014, Rates dropped the lowest it has been in a year and a half.  Gas prices have continued to drop, but other fees are pushing to raise.  Even though no one can really predict with interest rates will go up, but the way I see things and after talking to some of my lenders I work with, we feel in 2015 probably by summer rates may raise to around 5% or higher.

What this means is if you want to buy a house, waiting will cost you more money a month.  See my example below. Note: insurance, taxes and other options may be additional!

Purchase price       $100,000
interest rate                 3.99%
30 yr. Loan

Monthly Payment    $476.84

-OR-

Purchase price      $100,000
Interest Rate                  5%
30 yr. Loan

Monthly Payment    $536.82

Buying with Lower Interest Rate saves you $59.98 / month.
That is a tank of Gas, Food, Movie night, etc.

Now is the time to buy and save money a month.
Contact me today.

Dave Vance Real Estate with Equity Real Estate
801-660-7023
http://davevance.net
http://weberdavisrealestate.com

Top Realtor in Kaysville, Layton, Clearfield, Farmington Davis Utah for the Best Real Estate Agent

Are you looking to buy or sell Real Estate in Davis County Utah from the top realtor? I serve in Kaysville, Layton, Clearfield, Farmington and more.  If you are looking to buy or sell a house, you have come to the right place.

If you are looking to Buy, CLICK HERE
If you are looking to sell, CLICK HERE

I can help you buy a home on an average within 30 days.
I can help you sell your home on an average within 60 days.

Contact me today to get to work.
Dave Vance
801-660-7023 call or text
http://davevance.net
http://weberdavisrealestate.com

Top and Best Realtor for Military in Layton, Clearfield, Hill Air Force base Utah

Are you looking for the top Realtor to buy or sell a home around Hill Air Force Base in Layton or Clearfield Utah? I am a real estate agent that is military friendly.  My lenders can assist any military personnel to help them get into a home.  It is an honor for me to help you. I thank you all for what you have done for us and for our freedom.

Contact me today. Military can receive 100% loans.  Possibly even get some money back at closing.  get ahold of me for details.
Dave Vance
Equity Real Estate
801-660-7023  call or text
http://davevance.net
http://weberdavisrealestate.com