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Nathan Pierce

Loan Officer

NMLS ID 12920

801-272-0600 nathan@advancedfunding.com

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Don’t Move Out Before You Sell

You are selling your home but have already moved into your next place. You might think that an empty home would sell faster than a currently lived-in one. It’s more convenient for tours and it’s easier for buyers to picture their own things in the home, right? Actually, no. The truth is that vacant homes stay on the market longer and sell for less than their furnished counterparts. A recent study from Redfin found that homes that were no longer occupied sold for roughly $11,000 less and took six days more to sell than similar occupied homes. The reasons for the disparity include...

October 2nd, 2019 | Home Buying or Selling, Homeowner Tips, Don’t Move Out Before You Sell

How To Consolidate Debt with a Refinance Loan

Americans have a lot of debt. As of mid-2019, U.S. borrowers owed a total of $1.4 trillion in student loans and another $1.07 trillion in consumer credit card debt. And then, of course, there’s the $1.28 trillion in auto loan debt. Add in first and second mortgages, home equity loans, boat and RV loans, medical bills, and personal loans and it's clear that many Americans, are carrying a heavy debt burden. If you are a homeowner and fall into that category, you might consider consolidating your debts by refinancing your Utah mortgage.   What is Consolidating? Consolidating...

August 21st, 2019 | Homeowner Tips, Refinance, How To Consolidate Debt with a Refinance Loan

Can I Refinance Without Closing Costs?

Mortgage refinance loans require fees and closing costs. Is there a way around those fees? Is it possible to refinance without paying closing costs? The answer is yes, although the rest of your loan will be affected. The typical fees associated with refinance loans include mortgage lender fees and third-party fees. Lenders fees consist of things like origination (Advanced Funding does not charge this fee), processing, and underwriting. Some no-cost refinance programs have the lender pay for all these fees but still require the borrower to pay for third-party costs. Those are made up of...

June 26th, 2019 | Saving Money, Refinance, Homeowner Tips, Can I Refinance Without Closing Costs?

Home Projects for the Family

Getting children involved in home projects can be a fun way to share time with your kids and still get the chores done. But how do you combine the two without pulling out your hair keeping kids from getting hurt or just making a mess? These home projects for the family offer kids a good time while also increasing the value of your home. Try a few of these and have some fun!   Painting Don’t throw in the drop-cloth before you even get started! Consider this – fresh paint ranks in the top three most important home improvements for 50% of real estate experts and ...

June 8th, 2019 | Family, Home Improvement, Homeowner Tips, Home Projects for the Family

How to Build Home Equity

While it is possible to get into homeownership with little upfront investment, there can be many benefits to building up equity in a property. Mortgage equity is the value of the homeowner’s stake in a home. It is basically how much the home is worth minus how much is still owed on the mortgage. Having plenty of equity helps protect against foreclosure in case of financial hardship, it makes it easier to sell or refinance your home when the time comes, and it can be a source of emergency funding. The good news is some of equity building happens without you having to lift a finger. If ...

April 24th, 2019 | Homeowner Tips, Saving Money, How to Build Home Equity

3 Ways to Make Your New House Feel Homier

Although buying a new house can be exciting, it can take some time for it to feel like home. Everywhere you look, you are met with little reminders that someone else occupied the home before you did. These tips can help you turn your new house into a home much faster.   Give the walls a fresh coat of paint Even if the paint is new, it can feel odd if you are living in a house with colors that you would not have chosen. The best time to paint is when you first buy the house. Putting off this task until you have moved in will require that you move or cover all of your furniture. ...

April 23rd, 2019 | Homeowner Tips, Lifestyle, Home Improvement, 3 Ways to Make Your New House Feel Homier

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