Utah Home Buyers Beware - Yield Spread Premium (YSP) As a Loan Officer and Realtor I have noticed an area of Home Loans and Mortgages that goes unnoticed by the consumer,  that of Yield Spread Premium.  Most borrowers believe that their Loan Officer makes his profit with the Loan Origination Fee.  But most don't understand that the Loan Officer can make up to 4 percent more, on most loans, with the Yield Spread Premium. What is Yield Spread Premium? Yield Spread Premium, or YSP, is the fee paid by the Lender to the broker in exchange for a higher interest rate, or an above wholesale rate.  The borrower may qualify for a certain rate, but the broker can charge this fee and give the borrower a slightly higher rate to make more commission.  YSP was originally intended as a way for the borr... 02/02/2010

Looking to increase the energy efficiency of your existing Pepperwood home? Are your Questar gas bills through the roof? Let Alamo Infrared Energy Audits and Home Inspections inspect and evaluate your Sandy, Utah home. Our modern equipment can evaluate and determine the air tightness of your new home. Leaky windows and doors as well as missing or insufficient insulation can only be detected using high performance blower doors and infrared cameras. For more information visit our website:  www.utahenergyaudit.com  www.umrt.com Alamo Infrared is the oldest and largest energy auditor for homes, businesses and government buildings in the Rocky Mountain West. 01/28/2010

Looking for an energy efficient home in the Pepperwood area of Sandy, Utah? Let Alamo Infrared Energy Audits and Home Inspections inspect and evaluate your new home. Our modern equipment can evaluate and determine the air tightness of your new home. Leaky windows and doors as well as missing or insufficient insulation can only be detected using high performance blower doors and infrared cameras. For more information visit our website:  www.utahenergyaudit.com Alamo Infrared is the oldest and largest energy auditor for homes, businesses and government buildings in the Rocky Mountain West. 01/18/2010

Looking for an energy efficient home in Sandy, Utah? Let Alamo Infrared Energy Audits and Home Inspections inspect and evaluate your new home. Our modern equipment can evaluate and determine the air tightness of your new home. Leaky windows and doors as well as missing or insufficient insulation can only be detected using high performance blower doors and infrared cameras. For more information visit our website:  www.utahenergyaudit.com Alamo Infrared is the oldest and largest energy auditor for homes, businesses and government buildings in the Rocky Mountain West. 01/13/2010

Utah County Home Buying Tips Well you have finally decided that it is time to stop renting and that you need to purchase a new Utah County Home.  Be aware that is important to stay calm and think your way through the process; don't get so excited that you overlook a few very important steps. Failure to get pre-qualified before making an offer on a home: •·           The very first step you need to take when considering the purchase a new home is that of interviewing and hiring a Utah County Mortgage Broker or Loan Officer.  Understanding how much you are qualified to purchase up front can save you a lot of time and frustration later on.  The pre-qualification letter is very important to the seller when it comes time to make offer on their home.  Taking the time to get pre-qualified give... 12/29/2009

Utah Home Loans and the Yield Spread Premium As a Utah Loan Officer and Utah Realtor I have noticed an area of Home Loans and Mortgages that goes unnoticed by the consumer,  that of Yield Spread Premium.  Most borrowers believe that their Loan Officer makes his profit with the Loan Origination Fee.  But most don't understand that the Loan Officer can make up to 4 percent more, on most loans, with the Yield Spread Premium. What is Yield Spread Premium? Yield Spread Premium, or YSP, is the fee paid by the Lender to the broker in exchange for a higher interest rate, or an above wholesale rate.  The borrower may qualify for a certain rate, but the broker can charge this fee and give the borrower a slightly higher rate to make more commission.  YSP was originally intended as a way for the bo... 12/07/2009

Sandy City Utah Homes For Sale - Report On Salt Lake Real Estate! This report on Salt Lake Real Estate should help those buyers that are looking for Sandy City Utah homes for Sale either as an investement or to buy a new family home. The information should not be taken as advise, as all of the numbers were taken from the Salt Lake MLS and concentrated on activity of Homes for sale In Sandy City Utah. Zip codes, 84070, 84092, 84093, & 84094. This is just a snapshot of sales and listings in Sandy City in November 2009. Utah Homes Listed For Sale In Sandy City: Currently there are 697 Homes or Condominiums listed for sale. 113 of these are Salt Lake Condominiums for sale. In the last 30 days, 135 Sandy City Homes were listed. Average listed price of the new listings was $342,290.00. 18.5% ... 12/02/2009

Sandy, UT 84070 Infrared Home Inspector Utah's Oldest and Largest Infrared Home Inspection Company Alamo Infrared Home Inspections established in 1986 200% Money Back Gaurantee 801-651-5484 visit our website 10/24/2009

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.    SUMMARY Currently we are not seeing the needed positive price action (along with other indicators) to confirm a market bottom.  This is NOT a good time for those with low and/or no risk tolerance to purchase.  High and medium risk tolerant investors are making buying decisions and are doing some bottom fishing.  Some are trying to time the market and market timing is risky.  Trying to time the bottom is not for the inexperien... 10/15/2009

Salt Lake Foreclosures In Sandy UT-How Much To Offer? Our blog on how much to offer on Salt Lake Foreclosures received a lot of comments last week. A lot of potential home buyers asked if we would comment on individual  areas or Zip codes in Salt Lake City. Sandy Utah was most often mentioned, so we will start with Foreclosures in Sandy UT. There is a lot of confusion out there about how much to offer the bank or corporation that has taken back homes thru foreclosure and is now listing these homes on the MLS. Folks have heard that you can buy these Homes or Condominiums for pennies on the dollar. Ads on Radio, TV, and in newspapers make unbelievable claims about instant wealth available to investors that invest in Salt Lake Foreclosed Homes. Heres the truth. Rather than disprove these c... 10/14/2009

Put In Pictures For Those Sandy UT Homes For Sale ! I got an eye opening e-mail yesterday that said " I'm amazed that you don't have any pictures for this Sandy UT Homes for sale". Frankly, I was too. This beautiful Sandy UT Foreclosure was listed at over $500,000. There was over 6500 sq.ft. of finished living space, and real seclusion on almost an acre of well landscaped ground. But you couldn't tell it from the photos, THERE WERE NONE! Now before you ask me "why not"? Let me explain that this beautiful home in the heart of Sandy UT, surrounded by horse property and small Ranchettes, is not my listing. We don't list many houses or Condos. We're buyers agents. We help those agents that list property on the MLS find Home Buyers. So we know what helps us help you sell your home. If your R... 09/28/2009

Sandy Utah Homes Stats last 30 days:   The two towns I like to focus on are Sandy Utah and Murray Utah.  I recently posted a blog on Murray Home stats, now its time to see whats been going on in Sandy, Utah.     The price range in Sandy is a lot larger than Murray's price range.  Sandy ranges from the least expensive mobile home in the internet for 19,900 to the most expensive home (listed by Summit Sothebys) for 3.495 mill.  WOW  As I state in my Murray posting, the listings do not reflect all of the activity in the market, they do not show new construction or bank properties that are not currently posted on the MLS system.     Sandy Utah has 758 active homes/condos/townhomes/mobile homes listed on the MLS system   Single Family Homes activity over the last 30 days Active 640 Under Con... 09/26/2009

  APX: Home security System:  Ever considered a home security system?  I feel like I live in a very safe area in Sandy, UT, but I also feel like you can never be so safe.  The security system has been wonderful for my family. Its easy to use, and the company we use is APX Alarm. They have been so responsive.  I will admit that there have been times we forget to disarm the alarm system going out the garage to the backyard and they are right on top of it asking for our passwords and security code.  Their alarm systems allow you to adjust for inside animals, you can choose which doors, windows, garage doors you wish to arm.    One of the best features we have is our system is hooked up to our smoke/carbon monoxide detectors.  As a person who has lost everything in a fire, this benefit is s... 09/17/2009

New Condo' Regs to look out for as of October 1st :::  Attention agents and homeowners.  As of October 1st the whole world of condo's change.  If you are trying to sale a condo by yourself, you will need to know that its going to be a lot more complicated. Contact your lender and your favorite agent to get all the details.   This will effect everyone both buyers and sellers. 09/14/2009

Sandy city has rolled out a home-buying incentive program!Sandy city has created a new program that will provide low- and moderate-income home buyers with $5,000 for buying a new home in the city. These funds, which can be applied to the down payment and/or closing costs, are actually interest-free loans. After staying in the home for three years, the loan becomes a grant and does not need to be repaid.Sandy plans to provide 10 loans to buyers of existing, never-occupied homes, and another 10 to buyers who would like to build their home. To qualify for the grant the purchased home needs to be within Sandy city limits, and must be a "single-fmaily" dwelling (this includes townhomes and condos). Also, the purchase prices cannot exceed $305,000 and household incomes must be below certain l... 09/14/2009

Ever had a seller that doesn't want to leave during showings?    We all know its best to have the sellers gone when showing property, but some sellers dont feel comfortable with that scenario.  Here are some common complaints I've heard over the years......... They follow the "buyers"agent and the potential buyers around with a photo album sharing stories They want to take them on a tour of the home and talk non-stop  They answer the door with a grumpy face Do they even open the door? They answer the door half-dressed and not presentable when the scheduled showing arrives The home is a wreck and not presentable when the scheduled showing arrives   Sellers if you insist on being home, make sure you are courteous, the buyer is not there for a social situation but does want to feel welcome... 09/09/2009

Preparing your home for sale.  Pay attention home owners.  First impressions are lasting impressions!  Here are few simple steps to take to help ensure a better "showing." 1. Make sure your front door is freshly painted, clean and don't forget the trim 2.  Lawn, keep it free of garbage and clutter.  Keep lawn mowed,trimmed and edged.  During the winter, shovel your walks and steps. 3.  Open your drapes and let the sun showcase your room.     (hide litter box and animal toys)   4.  Clean your windows, make sure drapes and blinds are clean.  People do look out the windows when they view your home. 5.  Fix all plumbing leaks        6.  Avoid clutter to showcase the home 7.  Pack all excess items away.  Closets need to look organized or they will give the image of "not enough space/storage ... 09/09/2009

Debbie Aldrich | Keller Williams Utah Realtors | 801-870-0606 16 Gatehouse Ln, Sandy, UT Desirable Gated Pepperwood Community. Don't stop at the door come see this ready to move in traditional Home. 5BR/2.5BA Single Family House offered at $628,500 Year Built 1989 Sq Footage 5,047 Bedrooms 5 Bathrooms 2 full, 1 partial Floors Unspecified Parking 1 Lot Size 21,344 sqft HOA/Maint $122 per month DESCRIPTION Large private back yard with mature fruit trees. Wonderful home, ready to move in Updated Kitchen,Large master suite. see additional photos below PROPERTY FEATURES - Central A/C - Central heat - Fireplace - Walk-in closet - Hardwood floor - Tile floor - Family room - Living room - Office/Den - Dining room - Breakfast nook - Dishwasher - Refrigerator - Stove/Oven - Microwave - Stainless... 08/15/2009

If your searching Sandy Utah Homes For Sale you need information on Salt Lake City homes sold. Whether you are an invester, or looking to take advantage of one of the best home buying opportunities in years to acquire the perfect Dream home for your family. You should be looking at Salt Lake Homes for Sale in Sandy City UT and at these stats for the facts you need. Statistics provided by the Wasatch Front Regional Multiple Listing Service for the month of July, do not include homes for sale in Sandy by FSBOs (for sale by owners) or most of the new homes or condos offered by builders in the area.  Sandy Utah Homes For Sale In Salt Lake: There are usually about 725 to 775 listed homes for sale in Sandy Utah. The absorption rate for homes and Condos in Sandy City UT is less than the 6 mon... 08/08/2009

Real Estate in Sandy saw 3% more homes sold.  Median sold prices were lowered 8.35% to the mid 200's and average sold prices were lowered 13.41% to the lower 300's.  Current prices of Sandy homes are 20-30% higher than sold price and inventory is at 7.3 months. 07/08/2009