Home prices have been on the rise for a while now and news stories abound with first-time homeowners being priced out of the Utah housing market. Breaking into the housing market seems daunting today, some people may ask themselves if reaching for the goa
In the homebuying process, if you find yourself in the enviable position of having more cash than needed for a minimum down payment, it may be difficult to know just how much you should put down. A larger down payment can bring plenty of benefits, but is
Real estate can be a very profitable source of investment. Property values generally rise over time, giving owners equity and rental income at the same time. Owning a Utah investment property is not without risks and challenges though. There are several f
When buying a home, there are several factors that affect how much mortgage you can afford. Two of the most important are the property prices and current mortgage interest rates. Is it better to search for the absolute lowest rate or is it more helpful to
The federal government has aimed to help increase homeownership for decades. One of the Federal Housing Administration’s many programs to help Americans, including those in Utah, in their homeownership dreams is the Energy Efficient Mortgage program (EEM)
Once you get serious about buying a home or refinancing your current mortgage, you will probably hear the term “loan-to-value ratio” mentioned by your mortgage broker. What is this ratio and how does it affect your Utah mortgage? Loan-to-Value Ratio De
