Homeowner’s insurance provides coverage for damage to your home from a number of perils or hazards, including such things as fire, water damage from broken pipes, damage from a tree falling or wind damage. But it also can provide coverage for loss or damage of personal property such as furniture, electronic devices and even your clothes. A third aspect of homeowner’s insurance is personal liability...

Looking to buy real estate in Utah? The market has changed over the past few years and is going to continue to change over the next few (drastically) and here are a few things you should consider before buying any Utah real estate.First, the Olympics didn’t affect the state as much as people thought it would. Before the olympics, people thought the olympics would bring with it a rise in home values. It...

Distressed homeowners stuck in an unaffordable adjustable rate mortgage should take the time to learn about how to apply for help with a Wachovia loan modification. When Wells Fargo acquired Wachovia for $15.1 billion dollars, it also inherited a troubled mortgage portfolio that includes a high percentage of loans known as Pay Option Arms. These risky loans feature a negative amortization option that results...

MONEY MATTERSThinking about buying a home? You may want to read this article. It blows me away when I think of all the homebuyers that give real estate agents large sums of money as a “good faith deposit” when they sign a purchase offer on a home. I have had clients that have given agents thousands of dollars when they make an offer on a home and it is one of the dumbest mistakes a home buyer can...

We all remember the heady days from late 2003-2005. It was a market where, despite the realities, just about anyone could get into the investing or purchasing of a new home without really making all the motions necessary to protect themselves from the “worst case scenario. But just like common rules of economics dictate, markets with high profitability soon will get flooded with competition. Unfortunately,...

There sure are a lot of people talking about the housing market lately. When you look at recent trends in the real estate industry, it’s easy to understand why there is so much buzz.But it’s also important to understand the difference between information and misinformation. A home buyer in today’s economy will be bombarded with conflicting information from all sides. The market is good. The...

If you have a mortgage and are not familiar with YSP, you’ve already paid thousands of dollars in unnecessary interest for that loan. Refinance your existing mortgage and you’ll overpay thousands again. What is YSP? Read on to learn about the mortgage industry’s dirty little secret and what you can do to avoid overpaying when mortgage refinancing.Mortgage refinancing has the potential to save...

While the luxury residential markets in Florida continue to sell briskly because of the influx of overseas buyers, mainly Europeans and Canadians, who are buoyed by their strong currencies, housing analysts say that the market here may finally be showing signs of cracking.News reports have made headlines of billionaire Donald Trump dropping the price on his Palm Beach property by 20 percent, which has led to...

Foreclosures have become a dirty word to some and a profit word to others. Here is what you need to know about foreclosures whether you are a buyer or a seller.For Sellers:Rule 1 – Stand Tall – Just because you are selling your home and your neighborhood has foreclosures in it, does not mean that you can not sell your home. A foreclosure has a different appeal than a home that is lived in or still...

Utah is one of the most geographically diverse states in all of the continental United States, with a myriad of different landscapes throughout all 84,889 square miles of the Beehive state. As a result, Utah has become known as an outdoor enthusiast’s paradise, apt for even the most picky and discriminating outdoorsmen. With so many different scenic backdrops, there are just as many outdoor adventures...