VA Loans in Orem Utah Orem, Utah VA Loans Veterans Affairs Loans are an excellent way to finance your home in Orem, Utah; provided that you are a service member, a surviving husband/wife, or a veteran. If you qualify for a 100% VA Loan in Orem, Utah, you can enjoy many of these benefits: - No Down Payment! - Other loans have strict credit standards, but VA Loans are much more laid back. - Because of competition, interest rates may be low. All of these benefits are great, but you need to qualify for them! Here are the qualifications for a VA Loan in Orem, Utah: - A decent credit score. - Certain service requirements must be met. For example, you must have a certain length of service. - Income that meets VA standards. - A Certificate of Eligibility or COE must be filled out and approved. ... 09/10/2013

Refinance Mortgage Orem Utah Home Refinance in Orem, Utah Refinancing your home in Orem, Utah. Refinancing is a great option for you and your beautiful Orem, Utah home. Most people want to refinance when: - To lower their monthly payments. - To take cash out of their home equity. - They want to get rid of their Private Mortgage Insurance (PMI). - And to avoid paying balloon payments (requires you to pay the entire balance at the end of the short life of the loan). To calculate your current mortgage use this simple Mortgage Calculator Tool. There are a ton of benefits to refinancing! You probably have a better credit score if you've been making your monthly payments on time. This means you could qualify for a lower interest rate and lower monthly payments. This could save you hundreds of... 09/09/2013

Adventure to the south on I15 Just recently I was able to make a trip south into Utah County UT, a whole thirty miles from my home in Sandy UT in Salt Lake County to get my wife to an evening appointment for Secret Women's Business (I suspect an evening meal and a night at a play ~ but I'm never sure). My five hours of leisure allowed me to check out Orem UT and Provo UT, take in a movie, visit the University Mall (Orem), observe the giant Y (for BYU ~ the University in Provo) on the mountains of the Wasatch Front, observe the sunset, brave the traffic and still have reading time at Barnes and Noble. All in all, this trip was a cultural adventure to another part of my State, an adventure of seeing people busy doing things and going places ~ in the middle of the week, and at night. Shoul... 09/09/2013

VA Loans Orem Utah Orem, Utah VA Loans Veterans Affairs Loans are an excellent way to finance your home in Orem, Utah; provided that you are a service member, a surviving husband/wife, or a veteran. Here are the awesome benefits of using Veterans Affairs Loans (VA) in Orem, Utah: - No Down Payment! - Relaxed credit standards in comparison to other loans. - Interest Rates are competitive and may be lower than you think!   All of these benefits are great, but you need to qualify for them! Here's how you qualify: - Your credit score has to be decent. - To meet certain service requirements (such as length of service/duty status). - Sufficient Income. - And a Certificate of Eligibility (COE).   Once the COE is completed, you give it to your lender, who looks over the COE and finds that you'v... 09/02/2013

Orem Home Loan   Orem, Utah Area Mortgages Want to know different mortgage options near Orem, Utah? Here's your guide. Orem, Utah's most popular mortgage option is called a Conventional Fixed Rate Mortgage. Conventional Fixed Rate Mortgages (or "FRM" for short) offer constant interest rate for the entire life of the loan and monthly payments remain constant. Usually this loan requires a 20% down payment, but it is not always required! The life of this mortgage ranges 10-40 years. Unlike a FRM, Adjustable Rate Mortgages, or "ARM", change. It's only fitting that they call it an 'adjustable rate'. Depending on the market, your interest rate could change. It is recalculated on a yearly basis. Monthly payments also change when your interest rate does. Usually, the interest rate is lower than... 08/27/2013

Kassi Pontious | Ski Utah Real Estate | (801) 687-0222 Orem Utah Homes for Sale. Orem Utah is located adjacent to Provo and Lindon and is about 45 miles (72 km) south of Salt Lake City. 2010 population was 88,328 making it the sixth-largest city in Utah. Orem is the home of Utah Valley University. in 2010 Forbes rated it the 5th best place to raise a family. There are many homes for sale in Orem Utah. Search now for homes for sale Estimated median house or condo value in Orem Utah in 2009: $222,800 (it was $150,800 in 2000) Orem: $222,800 Utah: $224,700 House prices in 2009: All housing units: $247,340; Detached houses: $265,416; Townhouses or other attached units: $211,211; In 2-unit structures: $218,421; In 3-to-4-unit structures: $146,642; In 5-or-more-unit structures: $145,455; Mob... 11/11/2011

Utah County Homes for Sale and the FSBO for Sale by Owner   When it comes time to sell your home, one big decision needs to be made. Can I sell my home by myself or should I use a Realtor? Everybody wants to make as much money as they can when it comes time to sell their home, but it is necessary to maintain realistic expectations if there is to be a successful sale transaction. The For Sale by Owner option is often perceived to be best way to make the highest profit when selling a home. In theory, that makes a lot of sense, but there are so many variables that the results usually come out the opposite. In fact, statistics from the National Association of Realtors report that only 16 % of those who listed their home For Sale by Owner were successful in selling their home. The main drawb... 09/26/2011

Utah County Real Estate and the Appraisal The Real Estate Appraisal is an important part of your home buying transaction. The appraisal helps to establish what the property’s market value actual is, in fact it would likely be the main tool in helping the seller establish the proper selling price. Lenders require an appraisal when the home is offered as security for a loan; they want to make sure that the property will sell for at least the amount of money it is lending. Real estate agents often use a comparative market analysis (CMA), with an appraisal to help their home seller determine a realistic asking price for their home. Many times, experienced real estate agents will come very close to an appraisal, but usually the appraisal is very detailed and is the only valuation lenders wil... 07/23/2011

Utah County Real Estate and the Home Inspection Home inspections have become very popular in today’s real estate world. Most buyers hire a professional home inspector to take a closer look at a home prior to closing, or even prior to writing a Real Estate Purchase Contract. The inspections cover a multitude of systems within your house. It is wise to take care of some of the more important ones before placing your home on the market: Mold and Mildew Roofing problems Cracks in walls and ceilings Structure and foundation Gutters and downspouts Plumbing problems Heating and cooling Electrical No home is perfect, and most inspectors will most likely find those imperfections. Don’t be discouraged, and don’t feel that you must comply with unreasonable demands for repairs. Your contract states... 07/09/2011

Utah County Homes for Sale and Taking Possession of your New Home The Real Estate transaction is considered “closed” once the deeds have been recorded with the County. You then own the home. However, it is not always possible for you to occupy it immediately. It is customary to allow the seller up to a maximum of three days to turn over actual possession and keys to the home. When the transfer of possession actually occurs should be clearly laid out in your offer to purchase to prevent confusion later. www.UtahHomesforSale.us www.UtahHomesforSale.ws www.UtahHomes.ws www.ExitUtahRealEstate.com www.UtahHomes4Sale.ws www.RobertHulme.com www.UtahCountyHomes.ws www.UtahCountyRealEstate.us www.UtahCountyHomesforSale.net www.UtahCountyHomes4Sale.com www.UtahCountyRealEstate.ws www.UtahCountyR... 06/14/2011

  Utah County Homes for Sale, Lower Down Payments and FHA Loans The FHA (Federal Housing Authority) doesn’t actually fund your home loan in any way. The FHA simply provides mortgage insurance to help consumers become Home Owners. The FHA actually insures the lender from losses resulting from Home Owner default. The FHA helps mortgage lenders prepare loans for people who might not otherwise qualify. One of the big advantages of an FHA Loan is that a smaller down payment is possible. As of January 1, 2009, the down payment for a FHA Loan is 3 ½ percent of the principle loan amount. In today’s market the down payment on conventional loans can be as much as 20 percent. FHA loans make it possible for many people to enter the Home Buyer market, just with the lower down payment alone. There ar... 05/31/2011

Utah County Homes for Sale, Closing and Possession. When is the proper time for the Seller to vacate their property after closing? This question comes up quite often during the process of the Real Estate transaction. Just when the proper time is, depends solely on the wording within the Real Estate Purchase Contract. Unless the property is vacant, generally speaking the seller has until after recording with the county. Most important is how much was indicated within the REPC. Usually it takes about a month to close a smooth transaction on a purchase. If the transaction turns out to be a nightmare, then the closing could go on for an extended period of time. Another method that can be used is an occupancy agreement between the parties. If the seller needs more time to move, the Realtor ... 05/24/2011

Utah County Homes for Sale, For Sale by Owner or Realtor Some people are very successful at selling their home “by owner”. They have knowledge of key marketing strategies, how to best show their home, and they possess a good understanding of contracts. They are versed in negotiation tactics, but most of all, they are aware of the current market in their area and have priced their home appropriately. They realize the majority of homes on the market today are sold through an agency and they are aware that potential buyers might expect them to sell for less that market value because they will not be paying an agency commission. On the other hand, listing your home with a Realtor means that upon the sale, you pay a commission to the agencies involved out of your proceeds. This commission i... 05/19/2011

Utah County Homes for Sale, First time Home Buyer Typically a First Time Home Buyer is considered to be someone who has not had an ownership interest in a home for 3 years or more.  Some home loan guidelines are longer than that.  There are many Down Payment Assistance grants, low interest loans and credit assistance programs available for First Time Home Buyers.  First Time Home Buyers should consult a Mortgage and Real Estate Professional early in the home buying process to learn all they need to know about is available to them. Several criteria are considered when evaluating the loan programs for First Time Home Buyers, Credit History, Income vs. Debt, and equity or investment in the subject property being the most important. Buying your first home Well the time has come; you are fin... 05/05/2011

Utah County Homes for Sale, Understanding Mortgage's and  Interest Rates As a home buyer, it only makes sense to try and get the lowest rate possible when obtaining a Home Loan.  After all, the rate is the primary factor in determining your house payment.  But how do you get a low rate when applying for a home loan?  This is the primary question that most home buyers want to know.  I would like to explain some important ideas that you need to keep in mind. Credit Score One of the primary factors in helping to determine your interest rate is your credit score and financial history.  In other words the best interest rates are usually reserved for those with the highest credit score.  So if you credit score is not very high the chance of getting a lower interest rate is not very good.  It ... 04/15/2011

Utah County Homes for Sale, Vacating your Property When is the proper time for the Seller to vacate their property after closing?  This question comes up quite often during the process of the Real Estate transaction.  Just when the proper time is, depends solely on the wording within the Real Estate Purchase Contract.  Unless the property is vacant, generally speaking the seller has until after recording with the county.  Most important is how much was indicated within the REPC.  Usually it takes about a month to close a smooth transaction on a purchase.  If the transaction turns out to be a nightmare, then the closing could go on for an extended period of time.  Another method that can be used is an occupancy agreement between the parties.  If the seller needs more time to move, the Re... 04/04/2011

Utah County Homes for Sale, House or Home When it becomes time to sell many times real estate agents will refer to your home as real estate, they will refer to your purchase as a "home".  Yet, if you are selling property, they will 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 to think of your house as a marketable commodity, Property, Real Estate.  The goal of your Realtor is to get buyers to view your property 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. Another important thing you must do to your property is t... 03/24/2011

Utah County Homes for Sale, Sell your Home before You Purchase a New One When it comes time to purchase a new home, the question always comes up, should I sell my old home before I buy the new one?  Depending on your credit situation and your ability to qualify for two loans, this question could be easily resolved.  We will assume you have excellent credit and can do whatever you please.  It is always better to have your present home sold before you make an offer on the new home.  If you have an offer with a contingency of selling the old home, the seller will be less likely to accept the offer or allow better terms.  You will always be in a better bargaining position if you were able to move in without delay.  Credit terms on you new loan will also be better based on you living in the ... 03/18/2011

Utah County Homes for Sale, Buying your First Home Well the time has come; you are finally out making a good living.  You are beginning to get tired of paying rent, the number one advise that friends and family are giving you is, Buy a House.  By this time you are about to be hitched and have probably saved enough money for a down payment.  After a fair amount of thinking about it, you jump over the first hurdle and decide to go for it.  Now once you are focused about what you want you then jot down a list of things you want in a house.  That being done the search begins.  These days the task of sifting through hundreds of potential houses is not as hard.  With a few mouse clicks, you can see multiple house listings and take virtual tours of houses for sale. The key points to consider a... 03/05/2011

A home is a place of your own where you can raise your family, share with friends and feel safe and secure. Other benefits for homeowners include better physical health, higher lifetime income, higher student test scores, and lower teen delinquency.  Reduced prices and low interest rates have placed housing affordability at its highest but rates have started inching up in the past few weeks which will directly result in higher payments. Credit, debt ratios and income are the limiting factors that could be keeping you from taking advantage of these opportunities. Isn't it time you found out where you stand to buy a home? The benefits of talking with a qualified mortgage officer and pre-approval are without question. It saves time, money and removes the uncertainty of not knowing. The di... 12/21/2010