April snows bring May flowers?  Now wait a minute.  I thought is was April showers bring May flowers...... Oh well....I think this is the last snow of the years. The skier and snowmobiles will be loving it.    We got anywhere from 2" to 8" in the valleys and much more in the mountain.  Snow in the mountains is great to ensure we have water for the summer months.   Last snow at sunrise as the storm is finishing up.  These are beautiful times of the day.         Search Utah Listing for free and no registration.  Click here.  04/16/2009

Buying a home can be a very exciting process. Yet it can also be very frustrating if your mortgage loan application is denied, especially if you are denied right before the loan was supposed to close. To avoid that annoying scenario, you should understand the reasons why a loan application might be denied, and then do everything you can to make sure your application will not face any of those risks. One of the most common reasons that a mortgage application is denied is because of a second-rate property appraisal. Lenders want to be sure that the amount of money being loaned is truly an accurate reflection of the value of the home you are buying. If the appraisal was inflated, the truth is that you are being asked to pay too much for the home. While that is a bad situation for you as th... 04/13/2009

We really enjoy watching Easter Morning Sunrises.   I have attached a few pictures leading up to the Sunrise.     East view over Utah Lake.  Provo, Utah is located at the bottom of the mountains.     Hope you enjoy these as much as we do.   Saratoga Springs, Utah is located on the Westside of Utah Lake and one of newest communities in Utah with beautiful Master Planned community.  Then the views are great.  For more information please call me 801.815.0411.     Search Utah Listing for free and no registration.  Click here. 04/12/2009

 THE MOON SETTINGS IN THE WEST AS THE SUN IS RISING IN THE EAST   We enjoy watching the sunrise on Easter Morning.  This year we got an extra special treat.  This is the first time I have seen the Moon setting in the West while at the same time the Sun was rising in the East.  We enjoy some spectator views here in Saratoga Springs, Utah and this will definitely be a memorable one.       Search Utah Listing for free and no registration.  Click here.   04/12/2009

Homeownership is the American dream and has been since the formation of the nation. Unfortunately realizing that dream can be difficult and sometimes it is not even the smartest option. Every year, many Americans ask themselves the important question, Should I continue to rent or should I buy a home?  If you are also considering the feasibility of buying a home compared with the benefits of renting, take a look at the following guidelines to make the best decision for your situation. Credit Score Whether or not you should buy right now may heavily depend on the health of your credit report.  If your score is low due to a poor repayment history, lots of debt, or other issues, you may want to consider renting while you repair your credit.  Trying to get a home loan with bad credit will me... 03/30/2009

      This full moon is view from Eagle Park and over Utah Lake.  Taken in Saratoga Spring, Utah this last winter. Winter is almost over at the time of the picture.  With spring on it way to change the snow in the park to a beautiful green.  We are ready for spring after a long winter                          Contact Mark Watterson your Local Property Resource Specialist for the most up-to-date market conditions data.  View comprehensive property resource information at www.markwatterson.com         03/15/2009

    We get visitors stop for a bi-annual visit.  The geese and gosling are a welcome site.  The geese return and the goslings seek a differnt path.  It's time for them to return and we are excited to see them return to the pond here in Saratoga Springs, Utah.                        Contact Mark Watterson your Local Property Resource Specialist for the most up-to-date market conditions data.  View comprehensive property resource information at www.markwatterson.com   03/15/2009

    We get visitor stop every year.  This is a picture of last years visit.  It's time for them to return and we are excited to see them return to the pond here in Saratoga Springs, Utah.                        Contact Mark Watterson your Local Property Resource Specialist for the most up-to-date market conditions data.  View comprehensive property resource information at www.markwatterson.com   03/08/2009

By: Robert A. Hulme - Realtor - Loan Officer -Utah County, Including Provo, Orem, Pleasant Grove, American Fork, Lehi, Highland, Alpine and Cedar Hills, Eagle Mountain, Payson, Saratoga Springs, Spanish Fork, , Springville, Mortgage Xpress, Agent 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 ho... 02/26/2009

  We have live here for four years and this is the first time we have been able meet the parks name sake. No wonder the marvelous creature was chosen to be the National Bird.                                                         Contact Mark Watterson your Local Property Resource Specialist for the most up-to-date market conditions data.  View comprehensive property resource information at www.markwatterson.com 02/26/2009

By: Robert A. Hulme - Realtor - Loan Officer -Utah County, Including Provo, Orem, Pleasant Grove, American Fork, Lehi, Highland, Alpine and Cedar Hills, Eagle Mountain, Payson, Saratoga Springs, Spanish Fork, Springville, Mortgage Xpress, Agent One of the most accessible sources of comparable sales is the public record.  When someone buys a home the property is deeded from the seller to the buyer.  In most circumstances, this deed is recorded at the local county recorder's office.  They combine sales data with information already known about the property so they can assess property taxes correctly. Accessing the data can be somewhat difficult for the general public.  Realtors gain access through title insurance companies.  The title companies either compile the data directly from the co... 02/16/2009

We need Positive Price Action to confirm market bottom.  One month of price improve isn't sufficient to confirm the market bottom.  We need to see appreciation month over month for three months. PRICE ACTION                    Other good signs in addition to positive price action is lower DOM (days of the market), lower new listings and higher percent of new listings being SOLD.     This is NOT a good time for those with low and/or no risk tolerance to purchase.  A strong case can be made that those who are looking for a home for their family with plans to stay long term.  Why not buy now?  Especially if the numbers make sense, i.e. Owning vs. Renting.  Even, if the market retracts more (which is extremely likely) in the future.  Between the coming market bounce and future normal cycle ... 02/08/2009

Sunrise over the Wasatch Front and Utah Lake.  We have many great view in our beautiful city and hope you enjoy these pictures. I really enjoy when there is clouds for the light reflect upon and making speculator views. We also have had above average snow fall this year and this will help our ground wate next year. Hope everyone has a Great 2009.   01/28/2009

By: Robert A. Hulme - Realtor - Loan Officer -Utah County, Including Provo, Orem, Pleasant Grove, American Fork, Lehi, Highland, Alpine and Cedar Hills, Eagle Mountain, Payson, Saratoga Springs, Spanish Fork, Springville, Mortgage Xpress, Agent When it comes time to purchase a new home there is nothing more important than having Good Credit.  The first thing a lender will do is review your credit report.  The credit report is a history of money you have borrowed in the past and how you have repaid those debts.  It contains a list of debts such as credit cards, car loans, and other loans.  It also contains other public records such as liens or bankruptcies.  Your credit report is constantly being updated and most of the information is deleted from you record after 7 years (10 years for b... 01/28/2009

Saratoga Springs saw a slight decrease in house prices from 2007 to 2008.  Median sold price barely went down from $240,000 to $238,600 and the average sold price decreased a little more from $264,563 to $238,600.  With a decline in sales by almost 20% and 14.77 months of inventory, there are a lot of homes for sale in Saratoga Springs UT. There are currently more homes listed than what sold in 2008 so sellers will most likely need to lower their prices even more than what they have in order to sale.    These numbers are not official 01/19/2009

We need Positive Price Action to confirm market bottom.  One month of price improve isn't sufficient to confirm the market bottom.  We need to see appreciation month over month for three months. PRICE ACTION     Other good signs in addition to positive price action is lower DOM (days of the market), lower new listings and higher percent of new listings being SOLD.  On a year over year, YTD comparison currently 9.25% of new listings are being sold.        SUMMARY Currently we are not seeing the needed positive price action (along with other indictors) to confirm a market bottom.  This is NOT a good time for conservative buyers to purchase.  High risk tolerant investors and speculators are doing some bottom fishing.       Data considered accurate... However is NOT Guaranteed.  Contact you... 01/11/2009

December sunrise over the Wasatch Front and Utah Lake.  We have many great view in our beautiful city and hope you enjoy these pictures. I really enjoy when there is clouds for the light reflect upon and making speculator views. We also have had above average snow fall this year and this will help our ground wate next year. Hope everyone has a Great 2009.   01/04/2009

We need Positive Price Action to confirm market bottom.  One month of price improve isn't sufficient to confirm the market bottom.  We need to see appreciation month over month for three months. PRICE ACTION   Other good signs in addition to positive price action is lower DOM (days of the market), lower new listings and higher percent of new listings being SOLD.  On a year over year, YTD comparison currently 8.17% of new listings are being sold.         SUMMARY  Currently we are not seeing the needed positive price action (along with other indictors) to confirm a market bottom.  This is NOT a good time for conservative buyers to purchase.  High risk tolerant investors and speculators are doing some bottom fishing. For more details or just to chat about market conditions please feel free... 12/31/2008

By: Robert A. Hulme - Realtor - Loan Officer -Utah County, Including Provo, Orem, Pleasant Grove, American Fork, Lehi, Highland, Alpine and Cedar Hills, Eagle Mountain, Payson, Saratoga Springs, Spanish Fork, Springville, Mortgage Xpress, Agent The difference between List Price, Sales Price and Appraisal Value is very easy to explain, but not understood completely by some home buyers. List Price - The list price is the amount entered into the MLS by the listing broker and agent.  It is the asking price or offered price for a home for sale.  Usually the list price is determined by comparing like properties that have sold in the vicinity.  Many times the seller needs to sell the home for an amount equal to or greater than the outstanding mortgage on their home.  This is not the best way t... 12/26/2008

  We currently have over 12" of snow and that should be plenty for Santa and his reindeer to make their annual visit.                   The whole family is ready and we are enjoying the beautiful sunrise.     We are bless to live in such a beautiful area in THE BEST COUNTRY IN THE WORLD.  We have our challenges and we will fight our way through and become stronger. Happy Holidays          12/23/2008