First Time Home Buyer Mortgage Loans Salt Lake City, UT  This is your First Time Home Buyer guide to the 3 most popular mortgages and loans offered in the Salt Lake City area, but If you would like a full list of mortgages offered to First Time Home Buyers in Salt Lake City , go to http://www.spencerstott.com/loan-programs/. The most popular of all Mortgages near Salt Lake City are Conventional Fixed Rate Mortgages. 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! Terms of this mortgage range from 10-40 years. Adjustable Rate Mortgages or "ARM" (cool acronym, huh?) are ever-changing. Hence the name 'adjusta... 10/11/2013

Here it is a jewel of Mid Century Modern design with VIEWS, VIEWS. Amazing space, walls of windows, see through fireplaces and private, wonderful backyard with an expansive patio are just a few of the features that make this an exceptional home. The kitchen with it's Custom linear Rift Sawn Oak Cabinetry and Glass back splash. Each bathroom done with detail precision to reflect the design of the home. This home is truly one of kind. Don't wait.                             View Larger Map 10/10/2013

Don’t buy a condo at the Aztec until you have read this. You need to know what you are getting into before you commit to owning one of these. I’m going to tell you the good, the bad, and the ugly and I’m not going to sugar coat it. Overview: The Aztec Condos in Salt Lake City are located at 515 S 1000 E. This is just to the south of the Wilshire Condos, if you are familiar with the area. The Aztec Condos were built in 1965, they have a relatively low HOA fee while still offering some decent amenities. Here is a link to every condo that is currently for sale at the Aztec Condos Summary of the Aztec Condos: Pricing:$175,000 to $400,000 HOA Fee: $220/month to $450 per month (depending on the square footage of the unit) Amenities: Swimming pool, exercise room, parking garage Size: 1100 squa... 10/09/2013

Absolutely do not buy a condo at the Mayflower Condos in SLC until you have read this. There are some things that you really should know before you jump in and buy one of these condos. I’m going to give you the real scoop on the Mayflower Condos in Salt Lake City.   Overview: The Mayflower Condos are located at 1283 E South Temple. For those of you who are familiar with the area, this is just down the street from my house. In case you don’t know where my house is, the Mayflower Condos are at the far east end of the Avenues on the corner of U Street and South Temple. They were built in 1929, which was the very same year that the first telephone was installed in the White House, but I’m sure you already knew that. Here is a link to every condo that is currently for sale at the Mayflower C... 10/07/2013

The world comes to Salt Lake City Utah Twice a year (first weekend April and October) about 100,000 people come to Salt Lake City UT for the General Conferences of the LDS Church. This weekend greeted them with cool mornings, warm Autumn sunshine with the grandeur of snow on the mountains. Yesterday I took in the atmosphere of the 183rd Semi Annual General Conference. Sunday Best (even on a Saturday) was the order of the day. Well packed trains, TRAX blue, green and red lines, on 10 minute schedules throughout the day. I greeted Ukrainians, Russians, Germans, French, Italians, Brazilians, Africans, Peruvians... and even Australians (I am fluent in Strine). Visitors from many part of USA and Canada as well. The Conference Center holds 22,000. Nearby buildings take some of the overflow, f... 10/06/2013

About Foreclosures in Salt Lake A lot of you still want to know about foreclosures in Salt Lake. Good buys on foreclosed homes are hard to find, and according to some sources will become even rarer in the coming months.. Not just here, In Salt Lake City, but all over the country. Some areas, like Phoenix Arizona, and Las Vegas Nevada have recently had foreclosure listings represent over half of the available homes for sale. They now are showing a substantial reduction in distressed inventory. In some parts of these cities, foreclosures are in the single digits as a percentage of homes listed for sale. That's true in the Salt Lake City Municipal Area as well . (That would include foreclosures in most of Tooele County). According to a recent Deseret News article, no city along the Wasatch... 10/06/2013

Salt Lake Homes For Sale By Price One of the best ways to search Salt Lake homes for sale is by price. If you qualify to buy a $235,000 condo in SLC there is no reason to spend hours looking thru condominiums offered on the MLS for $300,000. You would only be disappointed by comparing more expensive units to those with features and location that you can afford.  Now that the market has returned to pre bubble days and sellers are not discounting as much ( there is no longer a need) offering to buy a house in Salt Lake for less than 90% of the asking price seems futile to me. A waste of time, and a strategy bound to back fire. I have had clients say " well it never hurts to ask". My response is to share stories about buyers that decided that a low ball offer was good business and lost a h... 10/06/2013

About Homes For Sale Around Salt Lake City- 2nd Quarter The info about  Salt Lake homes for sale around Salt Lake City in the 2nd quarter are posted. The entire article about Salt Lake area home prices, and how they compare to the median price of a home during the same time frame a year ago can be seen in the Salt Lake Tribune@ local.sltrib.com/homeprices/index.asp. The prices by city zip code reflect good news for home sellers. In some areas more than others. The following info on Salt Lake City home prices and how they compare to last years sales includes new homes in Salt Lake, foreclosed homes, short sales, condominiums, & SLC townhomes. It includes all prices of homes sold in the 2nd quarter of 2013 In fact prices in different zip codes in the same city occasionally show a wide dis... 10/06/2013

Central City in Salt Lake City is zip code 84102 and is just to the east of the Downtown SLC area and just to the south of the Avenues. There are quite a few condo communities in this area and I’m going to give you a brief rundown of each of them here. Many people who are looking to live “Downtown Salt Lake City” don’t actually want to live downtown, if you know what I mean. They want to live in the vicinity of downtown but not right in the mix of things. If you are one of these people, Central City could be a good area for you. There are actually more condos in Central City than there are in the Downtown area and you can get a bit more for your money. Central City also appeals to many University of Utah students because it is close the U of U campus. Let’s get to some of the complexes.... 10/03/2013

Ever been inspired by a vehicle you've test driven? I'm in love! I have to get one. An off road wheel chair. Swift, silent, all-conquering, tracks, camo coloring, gun rack, go anywhere, rock climbing, fallen timber, all weather, trail, snow or sand. Definitely intimidating. Liberating. A delight to drive. It's the Action Trackstander We met at the Utah Center for Assistive Technology Open House in Salt Lake City, October 1, 2013. Formal introductions by Tred Barta, Inc out of Colorado (970 328 5520). Instant attraction on first date.   See more of Trackchair's abilities at actiontrackchair.com ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ 10/03/2013

Refinance Mortgage Salt Lake City Utah Refinancing your home in Salt Lake City, Utah Refinancing your home in Salt Lake City, Utah. Refinancing your Salt Lake City home can be a great option for you! People refinance for a lot of different reasons including: - Wanting a lower monthly payment. - To cash out on their home's equity. - They want to throw out 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). Want to know what your current mortgage looks like? Use this simple Mortgage Calculator. Refinancing has many benefits! You probably have a better credit score if you've been making your monthly payments on time. You could get a lower monthly payment and interest rate with this... 10/01/2013

Salt Lake City Commercial Property Inspections Utah Infrared Commercial Building Inspections is Utah's most qualified Commercial Property Inspection Company.  Salt Lake City Commercial Property Assesments are quick, discreet, completely confidential, priced to accomendate the specific needs of the buyer, and we provide one of the most advanced/in-depth Commercial Property Inspection Reports in the State of Utah.  09/25/2013

Salt Lake City FHA Loans Salt Lake City FHA Loans 100% FHA Loans in Salt Lake City, Utah Thinking about buying a home in Salt Lake City, Utah? Then a Federal Housing Administration(FHA)Loan may be right for you. If you: - Have less than perfect credit. - Want a low down payment. - Think you can't qualify for a loan. - Are a first time home buyer. Then an FHA Loan is an amazing option! The FHA does not provide you the loan, rather it is your FHA-approved lender who provides the loan and the FHA simply backs it. This means that, because of the lender has the backing of the FHA, your interest rates and monthly payments may be lower than other options. For more benefits of an FHA Loan go to: portal.hud.gov. Requirements for an FHA Loan aren't as strict as other home loans. FHA Loan Requirem... 09/20/2013

Salt Lake is always making the best places to live lists, so this isn't too much of a surprise. In addition to being one of the best places for 20-somethings, Salt Lake is also THE best place to live for new grads, and the 2nd best place to live for women's health. Links are in the article on greatest.com: http://greatist.com/health/20-best-cities-20-somethings If you're thinking of making Salt Lake City YOUR best place to live, make sure you call us for the best real estate representation option for buyers! Do you have excellent credit? Do you plan to purchase a $300,000-$800,000 home within 60 days? Do you have a good down payment, or are you paying cash for your next home? Do you want an agent on YOUR side throughout your  transaction? Do you simply have questions about how things wo... 09/19/2013

Home Loan in Salt Lake City Utah Home loan options in Salt Lake City Want to know different mortgage options near Salt Lake City? Here's your guide. The most popular of all Mortgages near Salt Lake City are Conventional Fixed Rate Mortgages. Conventional Fixed Rate Mortgages (or "FRM" for short) offer constant interest rate for the entire life of the loan and monthly payments remain constant. For the most part, a down payment of 20% is required, but that is not always the case. Terms of this mortgage range from 10-40 years. The opposite of a Fixed Rate Mortgage, Adjustable Rate Mortgages (ARM) are not fixed. Hence the name 'adjustable rate'. As the market changes, so does your interest rate. Your interest rate is recalculated yearly. This means your monthly payment changes with the inte... 09/18/2013

Here you can find every loft community in downtown Salt Lake City and information on each. Downtown Salt Lake City has some of the best loft communities in the state. You can find a nice loft in just about any price range. There are six loft communities in the Downtown Salt Lake City areas. They are: 35 W Broadway Lofts Broadway Lofts Broadway Park Lofts Dakota Lofts Pierpont Lofts Westgate Lofts Of these loft communities in Salt Lake City, my personal all-around favorite is probably 35 W Broadway, although, those are also the most expensive. 35 W Broadway Lofts are beautiful, luxurious, generously sized, and really cool. Best value would definitely go to Broadway Park Lofts. Considering that you can pick one of these up for under $200k, and that they probably have the coolest layout of... 09/17/2013

Utah State Fair 2013 has it all The State Fair is Utah showcased. Still two full days to go. It's on at the fairground, easdily accessed by TRAX on the Green Line. For my day at the Fair we had it all. Much needed rain into bright sunshine with an intense double rainbow ~ the whole arch. Puddles left behind attracted every youngster around. Sideshows, crafts, displays, livestock, entertainment beckoned. Goats won my "livestock with personality" award, hands down. State Fair is a great way to sample the flavor of Utah. City and rural areas come together for the sixteen days that make up the Fair each year. It's well worth the experience. As always, I had a great time. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ 09/13/2013

Do not even consider buying a condo at the Maple Heights Condos in the Avenues in Salt Lake City until you have read what I am going to tell you. I may be able to save you a lot of time, money, and heartache by giving you the information you need about the Maple Heights Condos. I’ll tell you the good and the bad about these condos in the Avenues. Overview: The Maple Heights Condos in the Avenues in Salt Lake City are located at 678 H St, SLC, UT 84103. This is a couple of blocks up from 11th Ave near the Kay Rees Park. Maple Heights is one of the few new condo communities in the Avenues. They have been for sale for a couple of years now and have not yet sold any of their units. We’ll take a look at why.   Here is a link to every condo that is currently for sale at the Maple Heights Cond... 09/10/2013

VA Loans in Salt Lake City Utah VA Loans in Salt Lake City, Utah If you are/were in the military or a surviving spouse and you're looking to finance your home in Salt Lake City, Utah, then VA Loans may be an option for you. Here are the awesome benefits of using Veterans Affairs Loans (VA) in Salt Lake City, Utah: - Down Payments are not required! - Relaxed credit standards in comparison to other loans. - Interest rates might be lower than you'd imagine because of competition. All of these benefits are great, but you need to qualify for them! Well, here's what you need to qualify: - A reasonable credit score. - To meet certain service requirements (such as length of service/duty status). - You need a sufficient amount of income. - And a Certificate of Eligibility (COE). Once the COE is ... 09/09/2013

Summer flowers and grasses in Salt Lake City UT In spite of the hottest summer on record (greatest number of days over 95 degrees etc) and the driest in many years, Temple Suare and Plaza in Salt Lake City UT continue to exhibit beautiful floral displays of flowers and grasses to delight any visitor. And there are many. The Square and Plaza host visitors in a constant stream throughout the year. Often during a week, bridal couples can be seen being photographed against the floral backgroung. elevated platforms are provided for this purpose at stategic points. Reflecting pools and extensive water features add to the experience that is Salt Lake City now uniquely Summer. Since I have made the Salt Lake Valley my home, I can access this local beauty year round. If you are thinking of maki... 09/07/2013