Great Affrodable Lehi Home

Buying a home in 2013

Buying a home in 2013

Let 2013 be the year you become a homeowner!  Interest rates are low and home prices are on the rise, making now the perfect time to buy.

Choose a Realtor:

Interview agents, you are making one of the biggest purchases of your lifetime. Real Estate agents will negotiate on your behalf and educate you on active homes and recently sold homes so you will feel confident in your home purchase. Realtors are the home buying experts to guide you to your dream home and through the process from looking at homes to moving in.

Get Approved:

Getting approved to purchase a home not only speeds up the buying process; it makes your offer to purchase a home, look stronger to the seller. This is especially important in today’s market when you can expect to be competing with other home buyers due to low inventory.

 

 Determine your needs:

Sit down with your agent and discuss what you are looking for in a home. What is important to you? Neighborhood, two-story or rambler, bedrooms, size of yard, Home owners association, ect..

Select Properties:

After determining what you are looking for, you can now use those items to sift through properties. 

View Properties:

And finally the home tours! Actually going out and walking through homes that you have chosen with the help of your agent! 

 

Write an Offer:

After finding your dream home your agent will assist you in writing up a contract to purchase the property. This offer will give deadlines for financing, Inspections, appraisals, ect..

Negotiate:

After writing the offer, your agent will present that offer the seller (home owner) and/ or their Agent. The seller then has the option to counter your offer, accept, or reject your offer. Your agent will assist you with this process.

Accept the Contract:

Once both parties you (the home buyer) and the Seller have come to an agreement, then the work will begin as stated in the contract. Your loan officer will begin working on your loan and you will complete your due diligence of the property with inspections, disclosures and surveys as you see fit.

Signing:

Once all of the above is complete and the loan is place you will then sign documents to take ownership of the property. 

 

Possession:

Usually 24-48 hours after signing the Loan will be funded and the keys will be handed over to you! And that’s how you become a homeowner in 2013!

Call me today for your no obligation Home Buyer Consultation! 

www.chaseutahhomes.com

 Brandy Chase, Realtor

  801-618-8182

 

5 Steps to Home Ownership after Short Sale

5 Steps to Home Ownership after Short Sale

•  During the Short Sale Process be sure to save your paperwork. Common requested items in requesting a home loan after short sale include Settlement Statements and the letter from the bank stating the loan has been released and they are not coming after you for the balance.
•  Pull your credit report. You want to see how the bank reported this on your credit. Also be sure there are no other outstanding items, the time to rebuild your credit is now!
• Work to get your credit score back up and your debt to income ratio back down. Pay down items and be mindful not to get additional deficiencies.
• Save every penny you can, you will need money for a down payment. The quicker you save the sooner you will be a homeowner again.
• Wait patiently and stay positive.

After two years with 20% down you may purchase a home with a conventional loan. Be prepared to dig up your paperwork, write letters and search different loan officers (I recently had a client that was told no by 5 loan officers, only to get approved after the 6^th) that will be able to pull this together. With 20% down you will also avoid paying mortgage insurance and you will walk into equity!

After three years you may purchase a home with FHA with 3.5% down.

VA requires a wait of 2 years.

Good luck!

Beautiful South Jordan Home-Just Listed!!

South Jordan, Utah Beauty

 4042 Square feet- Priced to sell!

 This charming home will not be on the market long! It was just listed and the porch alone has me sold!

From the shaded wrap around porch you have amazing views of the mountains. The Porch also has an entrance to the kitchen!!

Entrance to Kitchen!!

 Not only does the home have an amazing yard with mature trees and a view, the floor plan is also open and bright.

Den

Living Room

Dining Area Leading into Living room

Dining area with extra deep bay window.

Large Kitchen/ Door to porch

Kitchen

Kitchen Door to porch

View this home and other active homes in Utah by clicking Here

www.chaseutahhomes.com

OPEN HOUSE: 14796 Desert Sage Drive Herriman Utah 84096

            Come view this lovely home this Saturday June 23,2012

       From 11:00am to 1:00pm

OPEN HOUSE- SATURDAY JUNE 23RD FROM 11AM-1PM


This home is gorgeous inside and out! You will find a new kitchen, granite, appliances, paint, furnaces, water heater, and AC units, beautiful large master on main level. Basement is mostly finished with family room, theater room and bedrooms.

*This is a Homepath property and is marketed by Charlotte Thomas.

http://www.homepath.com/

MLS 1096146

For questions:
Keller Williams- South Valley
Brandy Chase
801-618-8182

For details on buying or selling a home or to search active homes listed visit:

http://brandychase.yourutahagent.com

Let the Camping begin

I know summer just started for some but to me if feels half way over. Our family loves to camp but we only have a short amount of time we are able to do so, because of weather and of course football! So we are soaking it all up before we run out of camping months.

Our first camping trip this year was Moab, followed by Jordanelle State park and then Payson Lake area. Each had their very own specialness (yes that is a word-in my head anyway) and loads of fun.

Camping and Snow

Some may say that Moab wasn't exactly a "camping" trip, but anytime I am in my camper (travel trailer) I am camping. We ended up at a RV Resort towards the south end of town; it was right off of Main Street. There was plenty of shade, although at the beginning of May it wasn't all that hot. My Brother, Sister n Law, and the cutest baby girl ever (also known as Baby Stevie), all joined us. They live in New Mexico so it is about half way for each of us. It was a great time, we walked main street, had lunch, BBQ’d and played dominoes. We all made a note to book three nights next time because two nights just seemed so short. I am working on my next excuse to go back to New Mexico so I can hang out with my new niece and maybe her parents too!

                                                 Me, Micah, and Baby Stevie

Traven holding Baby Stebie

Our next trip was off to Jordanelle State park which is nice because it is so close. I was lucky to have booked early and scored us a place right on the lake! The weather was perfect, the kids even got in the water (not because the water was warm because kids don’t mind swimming in snow melt!). A couple other families joined us and all 9 kids seemed to have a blast. The fish were even biting. Although Colten didn’t really want anything to do with fishing last year, he was all about this year. He caught the first fish and he fished most that first evening, so I think we have a new fisherman in the house. We took turns in our inflatable row boat and mostly just soaked in the nice weather.

 Jacob camping (I think it might have been a bit cold that night)

 Jacob and his friend "boating"

Our Newest Little Fisherman-Colten

We are always looking for new places to camp and we have found that if you don’t reserve your spot early you miss out. Since neither of us is from here we have to go exploring to find new spots that don’t require booking. So…on Mother’s day we took a drive and really just stumbled on some of the most beautiful camping I have seen since Montana (just as good as Mirror Lake HWY).  I am talking pine trees and aspens, trails galore, mountain lakes and creeks and green everywhere! And this is where we spent Memorial Day weekend. Our first night (Friday) was beautiful the weather was almost too perfect. We heard rumors about the snow, but Saturday was another pretty nice day……and then….Sunday Morning we awoke to snow! LOL! Oh yeah, we knew it was coming, we were hoping we would luck out but we dealt with it and had a good time anyway. It snowed off and on, so it wasn’t really that bad. We had a fire up slightly hidden in the pine trees, the boys explored, shot BB guns, and hiked the trails. It is trips like these I see our boys changing, I love to see them explore and play and just have fun. We took a few hikes with them and we spotted deer, squirrels, a teepee, and just pure beauty.

 The deer we spotted while hiking

 The snow that we got to enjoy!

 Brotherly Love

Beautiful Hike

Well that was our month of May! This month we are off to Bear Lake for my Half Marathon and Pallisades and possible another trip or two to Payson lakes again!

Brandy's Balancing Act: First Blog EVER!!! Since this is my first post I ...

Brandy's Balancing Act: First Blog EVER!!!
Since this is my first post I ...: First Blog EVER!!! Since this is my first post I am going to tell you a little about me. My goal with this blog is to write about l...