Explore Orem, UT
By Visualshows .com
(Visualshows.com)
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  Contact: Peter Morkel Phone: (801) 810-8326     Rambler/Ranch, Single Family - Orem, UT Listed at 224950       Send To   Subdivision  N/A Category Homes Type Single Family Re-sale Sq Footage 1920 Bedrooms 4 Bathrooms 2 Half Bathrooms 0 Lot Size 0 Short Sale No Year Built 1957 Home Address 1060 S 545 E Orem, UT 84097   Home DescriptionThis wonderful home is in a secluded orem neighborhood. The neighborhood has a wondeful small town feel even though it is in the heart of a bustling city. Nice open feel, great back yard with mature peach trees, blackberry bushes, and a great garden spot. Close to shops, schools and churches. Come and see this home today !! Home Features   Additional Links   Virtual Tour   Property Description This home for sale is located in ! This Orem community has ho...
By Spencer Stott, Mortgage Professional
Comments 2
FHA Mortgage Rates in Orem Utah FHA Mortgage Rates in Orem, Utah FHA Mortgage Rates in Orem Utah. Buying a home in Orem, Utah? Then a Federal Housing Administration (FHA) Loan might just be the right choice for you. FHA Mortgage Rates in Orem Utah. Do you fit this criteria?: - think your credit score isn't good enough to buy a home. - Can't afford a steep down payment. - Think you probably can't even qualify for a home loan. - Are wanting to buy your first home. Well, I have good news for you: FHA Loans ease all those worries! An FHA Loan is backed by the federal government, not funded by it. Your lender provides the loan to you. Since the FHA has stamped this loan 'approved', lenders can offer even lower monthly payments and interest rates. To find FHA rates or find out if you qualify ...
By Spencer Stott, Mortgage Professional
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VA Loans in Orem UT Orem, Utah VA Loans If you are/were in the military or a surviving spouse and you're looking to finance your home in Orem, Utah, then VA Loans may be an option for you. Orem, Utah VA Loans are amazing, and here's why: - Down Payments are not required! - Credit Standards are much more relaxed than many other loan options. - Because of competition, interest rates may be low. 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. - Military service has to meet certain requirements such as length of service. - You need a sufficient amount of income. - And a Certificate of Eligibility (COE). A COE tells the lender that you have been backed for a Orem, Utah VA Loan. We can help you obtain a cop...
By Spencer Stott, Mortgage Professional
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Refinance Mortgage in Orem Utah Refinancing your home in Orem, Utah Refinancing your home in BOrem, Utah. Refinancing your Orem, Utah home mortgage can be an amazing thing! The reason many people refinance is: - They want a lower monthly payment. - To cash out on their home's equity. - They want to get rid of their Private Mortgage Insurance (PMI). - They want to avoid the balloon payment in their original mortgage. Want to know what your current mortgage looks like? Use this simple Mortgage Calculator. There are a ton of benefits to refinancing! You probably have a better credit score if you've been making your monthly payments on time. So with this better credit score, you could qualify for a lower monthly payment/interest rate. You could be seeing hundreds of dollars saved. If your l...
By Spencer Stott, Mortgage Professional
Comments 0
FHA Loans Orem Utah FHA Loans in Orem, Utah FHA Loans in Orem, Utah A Federal Housing Administration (FHA) Loan may be right for you if you're thinking about buying a home in Orem, Utah. If you: - Imperfect credit. - Need to have 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 simply backs the loan your local lender offers you. This means your lender can offer you lower monthly payments and interest rates because of the backing of the FHA. For more benefits of an FHA Loan go to: portal.hud.gov. And requirements are much less rigid than other home loans. FHA Loan Requirements: - Only 3% Down! - Income requirements aren't strict. - Your credit doesn't need to be great. FHA Loans allow lenders to deter...
By Spencer Stott, Mortgage Professional
Comments 0
VA Loans in Orem Utah Orem, Utah VA Loans Veterans Affairs Loans are an excellent way to finance your home in Orem, Utah; provided that you are a service member, a surviving husband/wife, or a veteran. If you qualify for a 100% VA Loan in Orem, Utah, you can enjoy many of these benefits: - No Down Payment! - Other loans have strict credit standards, but VA Loans are much more laid back. - Because of competition, interest rates may be low. All of these benefits are great, but you need to qualify for them! Here are the qualifications for a VA Loan in Orem, Utah: - A decent credit score. - Certain service requirements must be met. For example, you must have a certain length of service. - Income that meets VA standards. - A Certificate of Eligibility or COE must be filled out and approved. ...
By Spencer Stott, Mortgage Professional
Comments 0
Refinance Mortgage Orem Utah Home Refinance in Orem, Utah Refinancing your home in Orem, Utah. Refinancing is a great option for you and your beautiful Orem, Utah home. Most people want to refinance when: - To lower their monthly payments. - To take cash out of their home equity. - They want to get rid of 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). To calculate your current mortgage use this simple Mortgage Calculator Tool. There are a ton of benefits to refinancing! You probably have a better credit score if you've been making your monthly payments on time. This means you could qualify for a lower interest rate and lower monthly payments. This could save you hundreds of...
By Larry O'Sullivan
Comments 4
Adventure to the south on I15 Just recently I was able to make a trip south into Utah County UT, a whole thirty miles from my home in Sandy UT in Salt Lake County to get my wife to an evening appointment for Secret Women's Business (I suspect an evening meal and a night at a play ~ but I'm never sure). My five hours of leisure allowed me to check out Orem UT and Provo UT, take in a movie, visit the University Mall (Orem), observe the giant Y (for BYU ~ the University in Provo) on the mountains of the Wasatch Front, observe the sunset, brave the traffic and still have reading time at Barnes and Noble. All in all, this trip was a cultural adventure to another part of my State, an adventure of seeing people busy doing things and going places ~ in the middle of the week, and at night. Shoul...
By Spencer Stott, Mortgage Professional
Comments 0
VA Loans Orem Utah Orem, Utah VA Loans Veterans Affairs Loans are an excellent way to finance your home in Orem, Utah; provided that you are a service member, a surviving husband/wife, or a veteran. Here are the awesome benefits of using Veterans Affairs Loans (VA) in Orem, Utah: - No Down Payment! - Relaxed credit standards in comparison to other loans. - Interest Rates are competitive and may be lower than you think!   All of these benefits are great, but you need to qualify for them! Here's how you qualify: - Your credit score has to be decent. - To meet certain service requirements (such as length of service/duty status). - Sufficient Income. - And a Certificate of Eligibility (COE).   Once the COE is completed, you give it to your lender, who looks over the COE and finds that you'v...
By Spencer Stott, Mortgage Professional
Comments 0
Orem Home Loan   Orem, Utah Area Mortgages Want to know different mortgage options near Orem, Utah? Here's your guide. Orem, Utah's most popular mortgage option is called a Conventional Fixed Rate Mortgage. 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! The life of this mortgage ranges 10-40 years. Unlike a FRM, Adjustable Rate Mortgages, or "ARM", change. It's only fitting that they call it an 'adjustable rate'. Depending on the market, your interest rate could change. It is recalculated on a yearly basis. Monthly payments also change when your interest rate does. Usually, the interest rate is lower than...
By Kassi Pontious, Utah Home Search-Search the MLS in Salt Lake & Uta
(Ski Utah Real Estate)
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Kassi Pontious | Ski Utah Real Estate | (801) 687-0222 Orem Utah Homes for Sale. Orem Utah is located adjacent to Provo and Lindon and is about 45 miles (72 km) south of Salt Lake City. 2010 population was 88,328 making it the sixth-largest city in Utah. Orem is the home of Utah Valley University. in 2010 Forbes rated it the 5th best place to raise a family. There are many homes for sale in Orem Utah. Search now for homes for sale Estimated median house or condo value in Orem Utah in 2009: $222,800 (it was $150,800 in 2000) Orem: $222,800 Utah: $224,700 House prices in 2009: All housing units: $247,340; Detached houses: $265,416; Townhouses or other attached units: $211,211; In 2-unit structures: $218,421; In 3-to-4-unit structures: $146,642; In 5-or-more-unit structures: $145,455; Mob...
By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Homes for Sale and the FSBO for Sale by Owner   When it comes time to sell your home, one big decision needs to be made. Can I sell my home by myself or should I use a Realtor? Everybody wants to make as much money as they can when it comes time to sell their home, but it is necessary to maintain realistic expectations if there is to be a successful sale transaction. The For Sale by Owner option is often perceived to be best way to make the highest profit when selling a home. In theory, that makes a lot of sense, but there are so many variables that the results usually come out the opposite. In fact, statistics from the National Association of Realtors report that only 16 % of those who listed their home For Sale by Owner were successful in selling their home. The main drawb...
By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Real Estate and the Appraisal The Real Estate Appraisal is an important part of your home buying transaction. The appraisal helps to establish what the property’s market value actual is, in fact it would likely be the main tool in helping the seller establish the proper selling price. Lenders require an appraisal when the home is offered as security for a loan; they want to make sure that the property will sell for at least the amount of money it is lending. Real estate agents often use a comparative market analysis (CMA), with an appraisal to help their home seller determine a realistic asking price for their home. Many times, experienced real estate agents will come very close to an appraisal, but usually the appraisal is very detailed and is the only valuation lenders wil...
By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Real Estate and the Home Inspection Home inspections have become very popular in today’s real estate world. Most buyers hire a professional home inspector to take a closer look at a home prior to closing, or even prior to writing a Real Estate Purchase Contract. The inspections cover a multitude of systems within your house. It is wise to take care of some of the more important ones before placing your home on the market: Mold and Mildew Roofing problems Cracks in walls and ceilings Structure and foundation Gutters and downspouts Plumbing problems Heating and cooling Electrical No home is perfect, and most inspectors will most likely find those imperfections. Don’t be discouraged, and don’t feel that you must comply with unreasonable demands for repairs. Your contract states...
By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Homes for Sale and Taking Possession of your New Home The Real Estate transaction is considered “closed” once the deeds have been recorded with the County. You then own the home. However, it is not always possible for you to occupy it immediately. It is customary to allow the seller up to a maximum of three days to turn over actual possession and keys to the home. When the transfer of possession actually occurs should be clearly laid out in your offer to purchase to prevent confusion later. www.UtahHomesforSale.us www.UtahHomesforSale.ws www.UtahHomes.ws www.ExitUtahRealEstate.com www.UtahHomes4Sale.ws www.RobertHulme.com www.UtahCountyHomes.ws www.UtahCountyRealEstate.us www.UtahCountyHomesforSale.net www.UtahCountyHomes4Sale.com www.UtahCountyRealEstate.ws www.UtahCountyR...
By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
  Utah County Homes for Sale, Lower Down Payments and FHA Loans The FHA (Federal Housing Authority) doesn’t actually fund your home loan in any way. The FHA simply provides mortgage insurance to help consumers become Home Owners. The FHA actually insures the lender from losses resulting from Home Owner default. The FHA helps mortgage lenders prepare loans for people who might not otherwise qualify. One of the big advantages of an FHA Loan is that a smaller down payment is possible. As of January 1, 2009, the down payment for a FHA Loan is 3 ½ percent of the principle loan amount. In today’s market the down payment on conventional loans can be as much as 20 percent. FHA loans make it possible for many people to enter the Home Buyer market, just with the lower down payment alone. There ar...
By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Homes for Sale, Closing and Possession. When is the proper time for the Seller to vacate their property after closing? This question comes up quite often during the process of the Real Estate transaction. Just when the proper time is, depends solely on the wording within the Real Estate Purchase Contract. Unless the property is vacant, generally speaking the seller has until after recording with the county. Most important is how much was indicated within the REPC. Usually it takes about a month to close a smooth transaction on a purchase. If the transaction turns out to be a nightmare, then the closing could go on for an extended period of time. Another method that can be used is an occupancy agreement between the parties. If the seller needs more time to move, the Realtor ...
By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Homes for Sale, For Sale by Owner or Realtor Some people are very successful at selling their home “by owner”. They have knowledge of key marketing strategies, how to best show their home, and they possess a good understanding of contracts. They are versed in negotiation tactics, but most of all, they are aware of the current market in their area and have priced their home appropriately. They realize the majority of homes on the market today are sold through an agency and they are aware that potential buyers might expect them to sell for less that market value because they will not be paying an agency commission. On the other hand, listing your home with a Realtor means that upon the sale, you pay a commission to the agencies involved out of your proceeds. This commission i...
By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Homes for Sale, First time Home Buyer Typically a First Time Home Buyer is considered to be someone who has not had an ownership interest in a home for 3 years or more.  Some home loan guidelines are longer than that.  There are many Down Payment Assistance grants, low interest loans and credit assistance programs available for First Time Home Buyers.  First Time Home Buyers should consult a Mortgage and Real Estate Professional early in the home buying process to learn all they need to know about is available to them. Several criteria are considered when evaluating the loan programs for First Time Home Buyers, Credit History, Income vs. Debt, and equity or investment in the subject property being the most important. Buying your first home Well the time has come; you are fin...
By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Homes for Sale, Understanding Mortgage's and  Interest Rates As a home buyer, it only makes sense to try and get the lowest rate possible when obtaining a Home Loan.  After all, the rate is the primary factor in determining your house payment.  But how do you get a low rate when applying for a home loan?  This is the primary question that most home buyers want to know.  I would like to explain some important ideas that you need to keep in mind. Credit Score One of the primary factors in helping to determine your interest rate is your credit score and financial history.  In other words the best interest rates are usually reserved for those with the highest credit score.  So if you credit score is not very high the chance of getting a lower interest rate is not very good.  It ...

Orem, UT Real Estate Professionals