Latest Posts

Why Is It so Important to Be Pre-Approved in the Homebuying Process?

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Should You Buy an Existing Home or New Construction?

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Is the highest bid the best bid?

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The Top Reasons People Are Moving This Year

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Just How Strong Is the Housing Recovery?

The residential real estate market has definitely been the shining light in this country’s current economic situation. All-time low mortgage rates coupled with a new appreciation of what a home truly means has caused the housing market to push forward through this major health crisis. Let’s look at two measures that explain the resilience of the real estate market.

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Building Boom

U.S. new-home construction surged in July. Housing starts jumped 23% from June to an annual pace of almost 1.5 million, a reflection of rock-bottom interest rates and strong demand from buyers. Construction activity bottomed out in April amid Covid-19 lockdowns and broader uncertainty but has since mostly returned to prepandemic levels—July's pace came in ahead of the 2019 average for starts. 

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SUU cutting fall semester fees by 40% amid COVID-19 pandemic

If you test positive at SUU

Faculty, staff or students who test positive for COVID-19 must isolate for 14 days, participate in contact tracing and report their positive test results to the university. 

Additionally, if an individual living in on-campus housing is experiencing symptoms, they should report their symptoms to the Residence Life Staff and then isolate themselves for 14 days after a positive test result. Roommates of the sick individual should self-quarantine for 14 days.

Students who live in on-campus housing and who are isolating will use the Macbeth and Renaissance apartments, where they will have internet access to continue school and where SUU Dining Services will provide meals and snacks.

Students who live in on-campus housing who have been exposed to someone who tested positive for COVID-19 will be asked to quarantine in their own apartments for 10 days. SUU Dining Services will provide meals and snacks.

Students who have signed contracts with off-campus housing entities will need to discuss their personal situation with the landlord prior to signing any contracts.

Students living off campus who test positive will be provided with instructions for self-isolation in their own homes, and the Student Health Center will regularly check in with them while they are recovering.

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Sellers Are Returning to the Housing Market

In today’s housing market, it can be a big challenge for buyers to find homes to purchase, as the number of houses for sale is far below the current demand. Now, however, we’re seeing sellers slowly starting to come back into the market, a bright spark for potential buyers. Javier Vivas, Director of Economic Research at realtor.comexplains:

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What is an Affidavit of Affixture?

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Homes Are More Affordable Right Now Than They Have Been in Years

Today, home prices are appreciating. When we hear prices are going up, it’s normal to think a home will cost more as the trend continues. The way the housing market is positioned today, however, low mortgage rates are actually making homes more affordable, even as prices rise. Here’s why.

According to the Mortgage Monitor Report from Black Knight:

“While home prices have risen for 97 consecutive months, July’s record-low mortgage rates have made purchasing the average-priced home the most affordable it’s been since 2016.

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Current Buyer & Seller Perks in the Housing Market

Today’s housing market is making a truly impressive turnaround, and it’s also setting up some outstanding opportunities for buyers and sellers. Whether you’re thinking of buying or selling a home this year, there are perks today that are rarely available, and definitely worth looking into. Here are the top two.

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Timing Is Everything!

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The Latest Unemployment Report: Slow and Steady Improvement

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How Is Remote Work Changing Homebuyer Needs?

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Why Homeowners Have Great Selling Power Today

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Moving to Cedar City

Our Community

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10 REASONS TO USE A BUYER'S AGENT

10 REASONS TO USE A BUYER'S AGENT

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Advice For Buyers

WHAT EVERY BUYER NEEDS TO KNOW:

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Recreational Activities & Attractions

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Duck Creek Village HOA Links & Info

Note: HOA links are added as they come available.

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Duck Creek Village Area Information

Area Information

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Experts Weigh-In on the Remarkable Strength of the Housing Market

America has faced its share of challenges in 2020. A once-in-a-lifetime pandemic, a financial crisis leaving millions still unemployed, and an upcoming presidential election that may prove to be one of the most contentious in our nation’s history all continue to test this country in unimaginable ways.

Even with all of that uncertainty, the residential real estate market continues to show great resilience. Here’s a look at what the experts have said about the housing market over the past few weeks.

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Where Is the Housing Market Headed for the Rest of 2020?

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Will We See a Surge of Homebuyers Moving to the Suburbs?

As remote work continues on for many businesses and Americans weigh the risks of being in densely populated areas, will more people start to move out of bigger cities? Spending extra time at home and dreaming of more indoor and outdoor space is certainly sparking some interest among homebuyers. Early data shows an initial trend in this direction of moving from urban to suburban communities, but the question is: will the trend continue?

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Homeownership Rate Continues to Rise in 2020

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What to Know About Home Inspections

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Guidance and Support Are Key When Buying Your First Home

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Duck Creek Info

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Three of the Latest Reports Show Housing Market Is Strong


The residential real estate market is remaining resilient as the country still struggles to beat the COVID-19 pandemic. Three separate reports recently revealed how the housing market is still showing growth. Here’s a look at each one.

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Home Sales Hit a Record-Setting Rebound

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Two Reasons We Wont See a Rush of Foreclosures This Fall

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A Remarkable Recovery for the Housing Market

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Thinking of Selling Your House? Now May be the Right Time

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Buyers: Are You Ready for a Bidding War?

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Americans Rank Real Estate Best Investment for 7 Years Running

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Best Time to Sell? When Competition Is at an All-Time Low

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Taking Advantage of Homebuying Affordability in Today’s Market

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Is the Health Crisis Driving Buyers Out of Urban Areas?

The pandemic has caused consumers to re-examine the components that make up the “perfect home.” Many families are no longer comfortable with the locations and layouts of their existing homes. The allure of city life (more congested) seems to be giving way to either suburban or rural life (less congested). The fascination with an open floor plan seems to be fading as people are finding a need for more privacy while working from home.

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What Are the Experts Saying About Future Home Prices?


A worldwide pandemic and an economic recession have had a tremendous effect on the nation. The uncertainty brought about by both has made predicting consumer behavior nearly impossible. For that reason, forecasting home prices has become extremely difficult.

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Are New Homes Going to Be Available to Buy This Year?

“In a sign that housing stands poised to lead a post-pandemic economic recovery, builder confidence in the market for newly-built single-family homes jumped 21 points to 58 in June, according to the latest National Association of Home Builders/Wells Fargo Housing Market Index (HMI). Any reading above 50 indicates a positive market.”

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'Glamping' resort proposed near Zion National Park

SALT LAKE CITY (AP) — A sprawling network of camping resorts soon could begin unfolding in the Kolob highlands on Zion National Park’s northern boundary, potentially resulting in an influx of overnight use in a remote and scenic part of southern Utah.

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1650 E Ponderosa View Loop, Duck Creek Village, UT 84762

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Utah home prices continue to rise even during pandemic

SALT LAKE CITY — Sales of existing homes in Utah tumbled in May, but analysts and real estate agents said the market is experiencing strong activity and price increases as summer begins.


“We didn’t slow down, really,” said Christy Vail, with the Utah Association of Realtors. “There might have been two or three weeks where it was a little quiet, but overall, I think people are very positive and forward-thinking about home buying.”


Vail said Utah is faring better than other states and that demand is high right now, partly due to new buyers entering the market because of the low mortgage rates.


“We definitely are seeing multiple offers — that has not changed,” she said.


The Utah Association of Realtors reports that the median sales price for existing homes in Utah is up 4% this year. Nationally, the price increase is 2.3%.


Researchers at the University of Utah’s Kem C. Gardner Policy Institute said the state’s ongoing housing shortage is putting upward pressure on prices.

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Want to Make a Move? Homeowner Equity is Growing Year-Over-Year

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Is the Economic Recovery Already Underway?


The Wall Street Journal just released their latest monthly Survey of Economists. In an article on the findings, they reported:

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Three Reasons Homebuyers Are Ready to Purchase This Year

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Utah protest concert with Collin Raye gets big crowd in Cedar City

Cedar City • Rejected twice by Utah cities worried about the spread of the coronavirus, country singer Collin Raye finally took the stage in Cedar City Saturday night for what he called the most important show he’s ever done.

“This is more than a concert," he said as a crowd of thousands cheered. “This is a celebration of our freedom and not living in fear, and for moving forward.”

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WHY PEOPLE ARE BUYING RIGHT NOW

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1650 E PONDEROSA VIEW LP DUCK CREEK VILLAGE, UT 84762

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145 N Mall Drive #54, St George, UT 84790

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Why This Summer Is the 2020 Real Estate Season

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To our Brian Head Resort Family:

All of us here at Brian Head Resort would like to extend our sincere wishes that you and your family are staying safe and healthy during these difficult times. We also want to express our heartfelt appreciation to all the healthcare professionals, first responders, and countless others who have been working tirelessly to help keep us all healthy and safe during this unfortunate pandemic.

Even though we were forced to close a bit early this past winter season, we were still fortunate enough to enjoy 117 days of fantastic skiing and snowboarding on the Greatest Snow on Earth. We want to thank all of our valued guests and employees for their continued support this past winter, and we are eagerly looking forward to a responsible return to normalcy amidst this ever-changing landscape.

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A MESSAGE FROM THE MAYOR

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County Commission resolves to transition Cedar City economic development board to county entity

IRON COUNTY — During the Iron County Commission meeting on Monday, the commission created the Iron County Economic Development Advisory Board to help the county qualify for grant funding. There was also discussion of the county’s response to the COVID-19 pandemic.

In regards to the advisory board, Cedar City Economic Development Director Danny Stewart told the County Commission that the state Legislature created the Utah Rural Counties Grant Program when Senate Bill 95 was passed in March. The program allows rural counties in the state to apply for grants for economic development – either an annual grant in the amount of $200,000 or a competitive grant in the amount of $800,000.

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Mortgage Straight Talk: Forbearance

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Cedar Highlands residents to vote on whether to stay an incorporated town or go back to HOA

CEDAR CITY — Cedar Highlands residents will soon vote on whether their town should remain a municipality or be formally disincorporated.
Iron County Clerk Jon Whittaker said mail-in ballots will be sent out starting early this week to the town’s 101 registered active voters. They’ll have approximately three weeks to mark their choice and return their ballots by mail before the May 12 deadline.

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Keys to Selling Your House Virtually

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President Trump Signs $2 Trillion Coronavirus Rescue Package Into Law

President Trump signs the CARES act, a $2 trillion rescue package to provide economic relief amid the coronavirus outbreak, at the Oval Office of the White House on Friday.

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Signs a homeowner wants to find a buyer ASAP

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Tiny House With Net Loft For Young Couple


Designed to fit into a tight spot in a suburban location, this tiny house even has a detachable draw bar to save on space outside the tiny house. 

Being young and fit these clients chose to forgo the comfort of a staircase for a vertical ladder fixed to the wall - a super space saving solution. 

These clients often work from home, so they've chosen to have a dedicated office space similar to the Millennial tiny house prototype, where your feet hang down below the loft into a foot well in the kitchen.

The other unique feature is the net that spans between the two lofts. It acts first and foremost as a safety feature, but it's also an awesome place to chill out and read a book!


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Cedar City Council Meeting

CORONAVIRUS (COVID-19) OUTBREAK Updates


Posted on  3/17/2020

Due to the unprecedented circumstances of Covid-19, Cedar City will implement the following changes to City services per the Governor’s recommendation to keep gatherings to under 100 people to allow for social distancing. We would like to remind residents that most City business can be conducted over the phone, on the website or via email.  Please try these options before coming to City Hall.

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Cedar City Council proceeding as normal, encouraging caution in light of COVID-19

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Cedar City Council defines bedroom for new developments

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(4 Plex) 1396 N 625 W, Cedar City, UT 84721

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Settlers Square (Dover Floor Plan)

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Sell your home for 14% more this spring

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2196 W 3625 N (GALLANT FOX DR.) CEDAR CITY, UT 84721

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Price Reduced!

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Cedar City Council Meeting

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164 S 100 W, Cedar City, UT 84720

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5 Reason's to Sell This Winter

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Why You Shouldn't FSBO

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Top Renovations for Maximum ROI

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2020 Real Estate Projections

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Cedar City Council Meeting - 11/20/19

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BRIAN HEAD RESORT OPENS FRIDAY, NOVEMBER 22!!

Brian Head Resort is pleased to announce that opening day of our 2019-20 Ski and Snowboard Season will be this Friday, November 22, 2019!

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October RE/MAX National Housing Report

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Cedar City Council Meeting - 11/13/19

Approve renewing Staheli Rec. Management's lease to operate their ice rink on the northeast comer behind the City's Aquatic Center. Dallin Staheli/Tyler Romeril

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Most Expensive Homes For Sale in Southern Utah

Check out the nicest homes currently on the market located in Southern Utah

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Cedar City Rotary Club - Canyon Water Park Fundraiser

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Miscalculating Home Improvement Budgets

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1054 E Ashdown Forest Road, Cedar City, UT 84721

New home located on a low-traffic street in Ashdown Forest with beautiful stained concrete floors throughout entry, formal room/office and the large open living room/kitchen area. Wood burning stove in living room/kitchen as an extra heat source. Level entry with no stairs. Room for RV parking along side of house. 

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New Construction

Gorgeous 4 bed 2 bath home with open floor plan on .30 Acres! 

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Why Homeownership Makes People Happier

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4170 N Sundance Kid Lane, Duck Creek Utah

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Why Utah Real Estate is a Safe Bet

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Long-Awaited FHA Condo Rule

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DIY FAILS!!! DECK DISASTERS!!!!

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Cedar City Council Meeting - Ice Rink Proposal

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2734 W 4950 N, Cedar City Utah 84721

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Seasons South Apartments

Two different apartment locations for sale near SUU for $4,100,000

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Smart-Home Technology

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2110 N Chandler Drive Cedar City, UT 84721

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Funniest DIY Home Improvement Fails

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Cedar City Council Meeting - Streamed live 7/31/2019

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678 W SKI VIEW DR BRIAN HEAD, UT 84719

VIEWS from the top of the mountain across to the ski resort you can see for miles for only $254,900! 

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7 Simple Curb Appeal Ideas for Your Home's Exterior

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Amazing Ideas That Will Upgrade Your Home

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2194 W War Admiral Lane, Cedar City Utah 84720

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Cedar City Apartment Complex For Sale

Two different apartment locations for sale near SUU for $4,100,000

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Zillow: US won't see a buyer's market until 2020

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Here's what Fannie Mae is forecasting for the housing market

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Why Apple, Warren Buffett, And Others Use Stock Buybacks

Companies like Apple and Walmart purchase outstanding shares of their own stock in a practice known as buybacks. Over the last year there's been an increase in politicians questioning buybacks and whom they actually benefit. In December 2017 President Donald Trump signed the GOP tax cut, which took effect the next month and lowered corporate tax rates from 35 percent to 21 percent.

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912 & 914 W CEDAR CITY, UT 84720

Duplex is in a great location with beautiful views of the mountains nearby and close to schools, shopping, etc! Two story duplex with living, dining, kitchen, 1/2 bathroom all on main level and upstairs includes 3 bedrooms, 1 full bathroom with doorway into hall and into master bedroom as well. Laundry area upstairs also. block wall surrounding backyard area's.

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Is Mortgage Debt Out Of Control?

The housing crisis of the last decade was partially caused by unhealthy levels of mortgage debt. Homeowners were using their homes as ATMs by refinancing and swapping their equity for cash.

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375 BRAINARD CIRCLE, TOQUERVILLE, UT 84774

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Mortgage rates sink to a 31-month low after Federal Reserve expresses uncertainty about the economy

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Experts weigh in on what the 2019 housing market will bring

A year ago, several experts predicted the new tax law would cause a slowdown in the housing market. So far, the limitations on mortgage-interest and property-tax deductions haven’t had a negative impact. Instead, rising mortgage rates and home prices are doing more to put a damper on the market.


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96 W PARADISE CANYON RD CEDAR CITY, UT 84720

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4 Plex - 911 S 170 W CEDAR CITY, UT 84720

Rare fourplex in the middle of Cedar City. Close to schools, shops, and food. 

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4186 W 100 N CEDAR CITY, UT 84720

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Cedar City Council Meeting - Jun 19, 2019

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Development Program For 9 Units

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Cedar City Council Meeting - June 12, 2019

CEDAR CITY — The city-owned water tank atop Leigh Hill needs a new coat of paint, almost everyone in attendance at Wednesday night’s Cedar City Council meeting seems to agree. But whether the tank will continue to display the name “Redmen” and a silhouette of a Native American chieftain wearing a headdress remains to be seen.

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3 Strategies To Beat The Competition & Win The Best Properties

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Now is the Time to Refinance

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Cedar City Council Meeting - June 5, 2019

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Selling In The Next 6 Months Check List

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Selling In The Next 90 Days Check List

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Buying In The Next 6 Months Check List

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Buying In The Next 90 Days Check List

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240 E Center Street Parowan, UT 84761

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Iron County - Market Update for April 2019

A rolling 12-month calculation represents the current month and the 11 months prior in a single data point. If no activity occurred during a month, the line extends to the next available data point.

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Mortgage rates extend decline, sinking to 16-month lows

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61 W 400 N, Parowan, UT 84761

Super clean home on quiet street in need of a new owner. Home offers a great opportunity for new owner to stamp their own design and style throughout. Partially finished basement with entrance has great potential for so many uses. 

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5 Household Hazards Hidden in Plain Sight

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3 Things a Good Loan Officer Will Do For You

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Easy Produce to Grow In Your Garden

Growing your own fruits and vegetables in a backyard garden is a fulfilling way to spend free time and eat healthier. Choosing easy items like lettuce, tomatoes, cucumbers, squash, and melons can help ensure your time toiling outdoors is worth the effort. Here are tips to successfully grow each type of produce.

Lettuce

If you want almost instant gardening gratification, try planting some lettuce. Lettuce is an easy, fast-growing plant that comes in several varieties. Try planting some romaine, iceberg, and arugula for a good variety of lettuce types for your salads, burgers, and other summer recipes. Also, consider planting your lettuce in intervals so you’ll have fresh lettuce ready to harvest all season long.

Tomatoes

A vine-ripe tomato from your backyard is almost unrecognizable as the same fruit you get from a grocery store. Purchasing tomato starters is a good way to make sure you’re ready to harvest before the end of growing season. Plant your tomatoes in a spot that isn’t too windy and purchase tomato cages to help the plants grow strong.

Cucumbers

Cucumbers are great because they produce a lot without requiring much tending. Make a mound to plant your cucumber seeds in to encourage sprouting and use several seeds for each group. Just remember that cucumbers need a good amount of space to grow and spread, so plant according to the directions on your seed package.

Squash

Another easy-to-grow garden staple is squash. Like cucumbers, squash need room to grow. Be sure to leave enough room between your squash plants and other vegetables. Once you harvest, squash is great on the grill, in casseroles, and in salads.

Melons

Melons take a while to grow and ripen, but they’re worth the wait. Plant a few different varieties to see what grows best in your yard. Just remember that melons need plenty of sunshine and should be ready to harvest in late summer.

If your family needs more room to grow, whether it be vegetables or more kids, give me a call! I can help you find a home to suit your growing needs!

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Cedar City Council Meeting - Streamed live on May 15, 2019

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40 N 300 WEST PAROWAN, UT 84761

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The Perch at Cedar Canyon Lookout - Coffee

Perch at Cedar Canyon Lookout - Coffee

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851 Spruce Cedar City, UT 84720

Six two bed 1.5 bath units, 100% occupancy, washer and dryer in each unit, each unit has a fenced backyard and balcony. 

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1031 Exchanges & Real Estate Investing!

What is a 1031 Exchange? Unless you have been in Real Estate for a while, you may not be familiar with the concept of a 1031 Exchange.  

A 1031 Exchange is a critical technique that every serious Real Estate Investor and Realtor must know! Imagine.. what would you or your clients life could escape taxes on your residential income property?  

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3 Things to Consider Before Investing in a Rental Property

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Cedar City Council Meeting - May 8, 2019

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4186 W 100 N, Cedar City Utah 84721

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Live Stream Cedar City Council Meetings

Tune In To View Live Stream of Cedar City Council Meetings

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Cedar City Council Meeting - May 1

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1650 E WILLIS CREEK CIR DUCK CREEK VILLAGE, UT 84762

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350 W 1045 N, Cedar City Utah 84721

Property will hit the MLS on May 15... 

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2127 N Buckboard Drive, Cedar City, UT 84721

Gorgeous Redwood home in Fiddler's Canyon! This home features 5 bedrooms & 3 bathrooms with a wood burning stove & a deck. Basement walks out to a fully landscaped & fenced in yard. Includes a 2 car garage, 2 car covered carport & enclosed storage shed!

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9083 W Hwy 56 Cedar City, UT 84720

Great property to have your horses. Fully fenced, work shop, shed, barn that needs a little TLC, 

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168 E College Ave, Cedar City, Utah 84720

Prime Location in Downtown Cedar City only a few blocks from SUU on .38 acre lot. 

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Mike's Sprinkler & Patio Paving Design

Mike's Sprinkler & Patio Paving Design

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Sarge Handyman

Sarge Handyman

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Redwood Home Located In Fiddlers Canyon

Gorgeous Redwood home in Fiddler's Canyon! 

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One Acre Home For 189k

One acre in the Cedar City limits with animal rights! This recently remodeled, 3 bed 2 bath home has been very nicely updated with new countertops, new bathrooms, fresh paint, flooring Read More

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3165 W WILDWOOD LN PAROWAN, UT 84761

Incredible energy efficient ICF construction home on 5 acres with 360-degree valley & mountain views in beautiful setting with endless outdoor adventures at your doorstep! 

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Coming Soon To An MLS Near You!

2127 N Buckboard Drive, Cedar City Utah 84721


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Iron County Market Update

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Tips To Guard Your Identity

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The Process - Sellers

Factor's To Consider When Selling Your Home

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The Process - Buyers

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How To Cozy Up A Large Space

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Will The Tiny Home Movement Last?

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Market Summary for January 2019 - Cedar City

Market Summary for January 2019

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Hint's Of The Future Home Design

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Market Update - January 2019

Home prices were consistently up again in most markets in 2018 but at reduced levels

compared to recent years. High demand for few homes for sale fueled price increases,

but evidence is mounting that inventory will finally improve in 2019. This may apply

some downward pressure on prices for beleaguered home buyers. A fourth interest

rate hike by the Federal Reserve in 2018 spooked the stock market to close out the

year. The Fed has indicated that the number of rate increases in 2019 will be halved,

which may be of little comfort to an already compressed consumer.

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Buyer Beware - Buying a Flipped Home

Top tips when buying a flip:

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Seller Disclosure

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Lesser-Known Fee's To Buying A Home

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What You Need To know Before Accepting Or Rejecting An Offer

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Tax Deductions for Homeowners: How the New Tax Law Affects Mortgage Interest

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Shopping For A Rental? Check Out Some Red Flags!

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Rent-to-Own Homes: How the Process Works

Rent-to-Own Homes: How the Process Works

BY JEAN FOLGER

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The Housing Market Is Starting to Look Brighter

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To Airbnb or to Not Airbnb?

Offering short-term rentals through Airbnb is growing in popularity among homeowners and investors. And it’s no wonder—with Airbnb attracting guests from all over the world, hosts in major cities profit by an average of $20,619 annually, according to iPropertyManagement, a research and information site. In the U.S. alone, booking have increased 45 percent in the past year.

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Home Inspectors

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Shipping Containers Turned Into Affordable Apartment Building?

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Fixer Upper For 129k

Home is to be SOLD AS IS. Property has a good well and 1.75 Acre feet of water rights (73-2201 and 73-2194) verified. Home is in need of repair. Great fixer upper project, sold as is. CASH ONLY! Home is in foreclosure and offer must be accompanied with verified funds document. 2.4 Acres. Please make offer!!! Price is pending 3rd party approval. Home is Gutted.

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Mesa Hills

Located in Mesa Hills! Features 4 bedroom, 3.5 bathroom & 3 car garage. 

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Centrally Located Twin Home!

Coming Soon To An MLS Near You! - Centrally Located Twin Home! 

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Mid Valley Estates

Coming Soon To An MLS Near You!

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Getting Your Property Ready & Set to Show!

8 Tips To Whip Your Home Into Shape & Wow Buyers:


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State-of-the-art Proven Marketing Techniques

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Council Meeting: Vacation Rental / Parking Regulation

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Trending Kitchen Styles

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Why 400,000 Young Adults Aren't Buying

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Selling Your Home... Factors To Consider:

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Remodeling Projects Owners Most Regret

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Cedar City Zoning - Downloadable PDF Maps

Cedar City - Downloadable PDF Maps

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Government Loans Down Too???

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Market Summary for December 2018

Market Summary for December 2018 

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Pros & Cons of Buying a House on a Main Road

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Why Some Homes Don't Sell ???

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Playing Hardball When Selling Your Home

Selling your home probably one of the biggest financial transactions you will undertake in your lifetime, and the decisions you make when deciding on a price with a buyer can have a significant impact on how much money you walk away with. These negotiating strategies will put you in the driver's seat and help you get top dollar in any market.

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Contingency Clauses In Home Purchase Contracts

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Checklist for Home Sellers

The simple truth is that homes with great curb appeal and homes that are super clean, well maintained, and have pleasing decor sell faster and for more money than homes that don't measure up.

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What To Know About Homeowners Associations (HOA)

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Home Maintenance Checklist

Check out home maintenance checklist:

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Should We Add On To Our Existing Home Or Should We Sell Our House & Buy New One?

There is a principle in real estate appraisal called conformity that says that all homes in a given area should be of similar size and value. If you add on to your home and, in effect, over-build the neighborhood, the value of the smaller homes will bring your value down regardless of how much you have invested in the property.

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Iron County Parks & Outdoor Facilities

The Parks and Outdoor Facilities Department is committed to healthy lifestyles and enriching the quality of life through exceptional parks and facilities.

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How to Get Rid of Your Mortgage Insurance

If you’ve bought a home and put less than a 20% down payment down, you’re familiar with mortgage insurance.  It’s that added amount on your statement every month you wish you could get rid of. The good news is you might be able to.  

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Selling Your House? Avoid These Mistakes

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Why Has Housing Supply Increased as Sales Have Slowed Down?

For over three years leading up to this point, the exact opposite was true; Inventory dropped as sales soared.

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274 S 100 W CEDAR CITY, UT 84720

Centrally located home down the street from SUU & historic downtown Cedar City.

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5 Tips When Buying a Newly Constructed Home

The lack of existing inventory for sale has forced many homebuyers to begin looking at new construction. When you buy a newly constructed home instead of an existing home, there are many extra steps that must take place.

To ensure a hassle-free process, here are 5 Tips to keep in mind if you are considering new construction:

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In real estate, mans best friend is often calling the shots!

What does owning a pet say about you? Living with a furry (or scaly) friend could mean that you're a college student craving companionship, that your young children are in need of a four–legged playmate, or that you're an empty-nester with an affinity for fish. But what if owning a pet could predict if you're more likely to rent or own a home?

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Taking Fear Out of the Mortgage Process

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Current Market Conditions

If you've been thinking of selling your home, you'll want to keep reading.


That's because this message will show you how to get a significant advantage over a lot of other home sellers.


I'll explain how in just a second. But first, let me give you a bit of background on the current conditions:


1. Mortgage rates have hit a 7-year high.


Several weeks ago, the 30-year fixed mortgage rate broke through the 4.6%-mark, the highest level since May 2011.


This is part of an ongoing upward trend in mortgage rates, which started over a year ago.


The thing is, in spite of the rate increase, mortgage applications spiked in September. This is a signal that buyers expect rates to go up even more in the near future—something that's very well possible given current conditions.


2. Affordability is dropping, & demand might soon follow.


For the past several years, home prices have increased at twice the speed of inflation.


For a while, this didn't have too much of an effect on the market, because there was so much pent-up demand.


However, the continued price growth & the mortgage rate hikes might finally be getting to buyers.


Affordability is suffering—an estimate from early summer put current home affordability levels at a 10-year low.


This seems to be causing demand to soften as well. For example, the number of people requesting home tours has fallen by 6.1%, according to one measure this summer.


3. More home sellers are reducing prices.


Not surprisingly, the combination of sustained high prices, increasing mortgage rates, & a drop in demand is finally starting to have an impact on the real estate market.


While there are still no major signs of a real estate slowdown yet, there are some worrying indicators.


Crucially, more sellers are now reducing prices. More than a quarter of homes listed as of September 16 had a price drop.


What does this all mean for you?


In short, if you've been thinking of selling your home, then the time to act is now.


In spite of the easing of demand, there are still many hungry buyers on the market & prices remain near all-time highs.


This means you can sell your home quickly & for top dollar.


However, all of the reasons I listed earlier mean this situation might not hold very long.


Demand might slack off even more, & then many more homeowners might decide to enter the market, driving down prices & really ushering in a buyer's market.

That's why it can make a lot of sense to move early—before this kind of awareness reaches the majority of homeowners.


If you are considering selling, you can get started now by getting an idea of what your home is worth in the current market.

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How Construction Loans Work???

Once you have qualified for and been approved for a construction loan, the lender begins paying out the money they agreed to loan to you. However, they are not just going to give the builder the cash all at once. Instead, a schedule of draws is set up.

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Commonly Asked Questions About Construction Loans

What is a construction loan?

Construction loans enable a new home to be built through the duration of construction. They are reflective of the time needed to build your home, and typically range from six months to a year. Once you have secured a construction loan, your lender will pay your builder after each interval of work is completed. Once construction ends, your loan repayment begins.

Many homebuyers choose the convenience of having their construction loan combined with their standard mortgage plan, in something called a construction-to-permanent loan. This eliminates the need to refinance after construction and undergo two separate closings.

How do construction loans work?

Your builder will outline how much money is required to build your home, segmenting expected costs into intervals of work. Your lender will compensate your builder after each interval, usually per month, once they have independently verified that the designated work has been completed.

When do you pay?

With most construction loans, you only pay interest on the amount of money that is drawn out each month. You will begin to repay your lender for the bulk costs after your home is completed. If the project is builder-financed, the construction loan is the builder’s responsibility and the buyer will not need to pay anything at all until the end of construction.

Compare Construction Loan vs. Traditional Home Loan


Construction loans work differently than traditional home loans. If you need help buying a home that is already built, whether new or old construction, a traditional home loan is right for you. If you want to build a home from scratch on your own lot of land, or buy a prospective home within a builder’s development, a construction loan is the way to go.

Construction Loan

  • 20%–30% down payment required

  • High interest rates

  • Incremental loan disbursements

  • More complicated to qualify for, and few options available

  • Bank issued

  • Must have specific building plans, construction contract, and cost estimate to apply

Traditional Home Loan

  • 3.5%–20% down payment required depending on mortgage type

  • Low interest rates

  • Loan disbursement in one lump sum

  • Easier to qualify for, and more options available

  • Mortgage-company issued

  • Must only have essential personal finance information to apply

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Contact
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Gerardo Lopez

435-708-1937

gerardo@buyhousesinutah.com

Find Your Dream Home