FRUIT HEIGHTS OPEN HOUSE

The Ryan Ivie Sales Team is pleased to announce they are having an Open House this Saturday, May 7th from 10 am to 2 pm in Fruit Heights just a pitching wedge away from The Davis Golf Course!

 

Hosted by the Ryan Ivie Sales Team and Angie Larkin, this home is upgraded with Quartz counter tops, can lighting throughout, time-crafted Walnut wood flooring throughout main level, upgraded carpet, Modern kitchen has a sunny garden window, expanded island bar.


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Located at 911 S Cherry Plum Lane, Fruit Heights, Utah 84037. This beautiful home in Fruit Heights will be open to the public on Saturday, May 7th 10 am to 2 pm, be sure to stop by and have a look at this wonderful home. Look forward to seeing you at our Fruit Heights Open House!

 

For more information visit www.RyanIvie.com/mls/1376964 or Call 801-774-1687

4 Homeownership Payment Programs To Know About

coins-currency-investment-insuranceMortgage payments are a part of homeownership. In your due diligence, you may feel a bit overwhelmed by the idea of saving up for a home, but if you break it down into smaller steps you can feel a little more in control.

As you begin your path towards homeownership, here are 4 low-down payment programs to be aware of:

  • GSE-backed loans. These are government-sponsored (Fannie Mae and Freddie Mac) enterprises which help to drive the mortgage market and are backed by loan-to-value loans. Learn more on what you might qualify for with this great calculator.
  • FHA. Through participating lenders, the Federal Housing Administration (FHA) provides 3.5% down payment mortgages for those who qualify. Compared to more conventional mortgages, these types of loans are easier to qualify for and have slightly lower rates.
  • VA. Veterans Administration (VA) loans are eligible to veterans and active duty servicemembers and their families. This type of loan require no down payment or mortgage insurance.
  • USDA. For those living in rural and suburban areas, the U.S. Department of Agriculture (ISDA) offers low rates and 100% financing.

To learn more about these types of loans and what you qualify for, your loan officer can answer your questions and help you decide what type of mortgage is best for you.

5 Tips For Getting Your Apartment Deposit Back

Getting ready to move out of your apartment and into your dream home? As you prepare to make the move, here are 5 tips for helping you get your deposit back from your landlord: chess-603624_640

  1. Tell your landlord. If you’re planning on moving out, tell your landlord early on. By talking with your landlord, you can find out if their are any minor repairs or other expectations (such as shampooing carpets) that needs to be done. If you know about these things upfront, you can take care of them yourself and save yourself some extra cash.
  1. Deep clean. Common courtesy says you should tidy up your apartment before you move out, but it will also help you get your deposit back. Take some time to wipe down appliances, clean the oven and stove, and take out the trash.
  1. Repair any damages. If there are structural damage (large holes, chipped tiles, or exposed fixtures) make sure they are repaired. Any small holes, such as those left behind from curtains, are fine, but it is the bigger ones you’ll want to repair.
  1. Fix maintenance issues. Any broken item, a leak under your sink (even if it wasn’t your fault), should be fixed before you hand in your keys. If you don’t take the time to repair this, your landlord could charge you for the damage, even after you’ve moved out.
  1. Remove add-ons. If you’ve added any partitions or walls in your apartment, make sure they’re removed before you move out—unless otherwise expressed in your lease. However, in most cases, these types of structures are usually required to be removed at the tenant’s expense.

What some extra tips? Check out the article, 7 Ways to Guarantee You Get Your Apartment Deposit Back. Have something to add? Tell us your thought below in the comments.

3 Tips for Selling A Home With Pets

Are you trying to sale your home with pets? As a pet owner, covering up lingering pet smells and getting fur out of the carpet can be a challenge. To help you prepare your home for sale, without sending potential buyers running, here are few tips to make the process easier: girl-1160441_640

  1. Check your fencing. Take some time to mend your fencing, deck, and porch which may have marks from any scratching or chewing. Most of these marks can easily be erased with a little elbow grease and sandpaper.
  1. Pick up your yard. To protect your home, and not turn home buyers away, take a moment to clean up after your pet to ensure no pet-related landmines enter your home.
  1. Hide any evidence of a pet. Because you want potential home buyers to envision themselves living in your home, you’ll want to hide any evidence of a pet. Remove their toys, water and food dishes, and anything else that distracts from the home. Also, when showing your home, if possible, have your pet temporarily off-site to limit the chances of them escaping through the front door or turning into a liability.

Have some things to add about selling a home with pets? Tell us about them below in the comments or on our Facebook page.

Create New Habits For Saving Money With These 4 Tips

With the New Year, many people are thinking of new ways to save money. This year, create new habits for saving money with these 4 tips:dollar-943737_640

  1. Turn off the lights. You may not think about it, but turning off the lights in your house or in a room when you’re not there can save you some extra cash. Also, turn down your thermostat when away and during the night when you’re sleeping. Even turning down the temperature by 10 degrees can benefit you in the long run.
  1. Double your batches of food. Life can get pretty chaotic and cooking dinner can be quickly improvised by hitting a fast-food drive in. However, that can get pretty costly after a while and is not the most healthy option. Instead, make extra batches of casseroles, soups, chili, and other foods that can easily be frozen. During those days you don’t have time to cook, just pull one of your pre-made foods out and reheat.
  1. Hide your credit cards. Credit cards can be tempting to use, especially when you carry them around with you. Instead, take them out of your wallet and put them in a safe place in your home. By removing the temptation from the wallet, and only using them for emergencies, you can keep yourself out of debt (or pay it off faster).
  1. Avoid expensive impulse buys. Make a promise with yourself this year to give yourself 24 hours to really think over an expensive purchase before going through with it. By giving yourself time to seriously consider the purchase, you’re less likely to make an impulse buy your going to later regret.

Take some time to create a budget spreadsheet and see where you are spending your money. By having a better idea on what you’re spending your money on, the better you can revise your budget and cut overspending.

In addition, read blogs by Dave Ramsey, Suze Orman, or any other financial investor you trust. There are lots of various resources out there to help you save money and develop new habits for getting out of debt.

7 Must Know Costs When Buying a Home

flowers-675949_1280When it comes to buying a home, there are many things to consider—getting pre-approved, finding your dream home, and your monthly mortgage—but there are some costs that get overlooked. As you begin the process towards home ownership, here are 7 costs and fees to be aware of:

  1. Home inspection. Your home is a huge investment, probably the biggest you’ll ever make, and you’ll want to have the home inspected before making an offer. If the home needs repairs, this will give you some leverage when making your negotiations on the price. A home inspection can cost a few hundred dollars, so make sure you’re prepared, financially, for this.
  1. Appraisal fees. Before buying a home, your lender will require you to have the property valued by a professional real estate appraiser. At one point, this was included in the closing costs, but is no longer done that way.
  1. Private mortgage insurance. Ideally, you want to put a downpayment of 20% of the price of the home. If you can’t put down 20%, in most cases, you’ll be obligated to take out a private mortgage insurance policy. Although the cost of this private insurance, on a home costing around $200,000 can expect to pay around $50-$100 per month.
  1. Closing costs. As you begin to close on your dream home, you’ll be expected to pay closing costs. The closing costs consist of processing fees, underwriting fees, recording fees, survey fees, and title insurance fees—all these fees add up to thousands of dollars (2-3% of the mortgage loan amount). When you apply for your home loan (aka getting pre-approved by your bank, credit union, or mortgage lender), make sure this closing fees are included in the loan.
  1. Homeowners insurance. This insurance is important to protect yourself against repairs or replacement costs if your home is damaged in a major event (earthquake, fire, hurricane, etc) or theft. There are various home insurance options so make sure while you’re talking with insurance agent to find out which insurance policy is your best option and get a quote so you can budget it into your expenses.
  1. Property taxes. Property taxes are set by the local government for public expenses, including, but not limited to, schools, parks, and sidewalks. The seller or seller’s agent can provide you with the annual costs of this. Also, find out when the next tax assessment is and if the property taxes will be raised due to the sale of the home.
  1. Utilities. While you prepare to make an offer on your dream home, ask the seller to provide you with a year’s worth of utility bills to determine what your monthly utility costs will be. Take into consideration of the difference of family size, a single person (in most cases) will pay less in utilities compared to a family of four.

If you’re ready to turn home ownership into a reality, give us a call today. We’re here to answer all your questions and help you find your dream home.

Make The Most of 2016 With These 3 Unique New Year Resolutions

Can you believe 2016 is a few weeks away? With the New Year approaching, many people are starting to plan their resolutions. However, perhaps you’re not motivated not set any New Year goals because you can’t think of anything interesting or inspiring. I mean, there is always the standard, lose weight or get healthy goals.padlock-166882_640

This year, instead of going with the standard, fall back goals, here are 3 unique goals to set for 2016.

Break out of your comfort zone. As humans, we tend to like to get into our comfort zones and stay there. Take some time to grow this year and try something new, choose something to make you stretch and push you out of your comfort zone. If you’re having a hard time facing your fear of trying something new, check out the book, Feel The Fear And Do It Anyway by Susan Jeffers. This is an excellent book about facing your fears.

Give a gift every day. This doesn’t have to be expensive. Your gift may be giving someone a smile, shoveling a neighbor’s driveway, or helping around the house more. The point is to take some time each day to do something for someone else. Get creative here and have some fun.

Unplug for an hour each day. Take some time each day to unplug and turn off your phone, computer, and other electronics to spend time with the people who matter most in your life. Use this time to connect with your family, friends, and yourself. We’re all so connected with our phones and social media that we forget to enjoy the world around us. This year, make it a point to spend time living—really living.

How to Hang Christmas Lights

Christmas lights are already coming up! I cannot tell you how surprised I am that it is that time of year again. Where has 2014 gone? Hanging Christmas lights is a huge tradition for many people during the holiday season.SMChristmasLights

Choose what lights you want to use. In this day and age, there are so many types of lights to choose from. Do you want LED, solar, string or icicle lights? Each has their own beauty and knowing which kind of light you want to use can add a different element to your light design.

Have the necessary clips and other equipment needed to hang your lights. Depending on the structure of your roof and lighting choice, there are many clips to choose from. Check out this in depth chart to help you navigate which clips are best suited for your decor.

Stay safe while putting up your lights. Remember to never hang lights while they are plugged in, never cut the electric cord while the lights are plugged in, along with these other tips.

5 Tips for Moving

Moving can be a stressful experience. Between packing and juggling children, changing schools, and dealing with everything else. To help make the whole process easier, here are 5 tips: wall small

  1. Throw or keep. As you go through your things and pack them up, decide what is worth keeping or throwing out. Don’t waste your time hauling garbage and other items you no longer want to your new home. There are so many ways to get rid of things, donate them to charity or make some extra cash by holding a yard sale.
  1. Transplant your plants. People don’t tend to think about their plants when moving. To move larger plants, wrap them with tissue or an old blanket to prevent any branches from breaking. With smaller plants, place them snugly at in a box and use packing paper to hold them in place.
  1. Moving big things. Have a professional or someone with experience to disconnect your major appliances, such as washers, dryers, refrigerators, and freezers. When transporting freezer or refrigerators to a new location, take a moment to remove all the food, defrost, clean, and dry the machine. Store any extra items (screw, wires, remote controls, etc) in a plastic bag and make note of what goes to what.
  1. Consider your pets. Your pets should feel happy and safe during the move. Help them feel more secure by giving them a quiet place to settle their nerves. Also, make sure your dog’s collar has your new address on it in case he wanders out during the chaos of the move. Once you are in your new home, let them wander the home, supervised, to get used to their new surroundings.

  2. Prepare your kids for the move. You also want your kids to feel comfortable with the move. Scope out the neighborhood, surrounding parks, schools and community organizations to see what will be available once you make the move. Before moving, take a moment to map out your kids route to school and get familiar with the teachers.

For more tips for making the move go more smoothly, check out this article from Home Creations.

3 Things That May Deter Buyers From Making An Offer

Selling a home can be a challenge. However, with the right real estate agent, the whole process can go a little smoother. As you move forward with putting your home on the market, there are a few more things that may surprise you that deter potential home buyers. If you have some of these don’t get discouraged, there are other things you can do to showcase and highlight the stunning aspects of your home. empty-863118_640

So, what are some things that can turn buyers off? Here are 3 to be aware of:

  1. Swimming pool. If you live in a warmer climate, an in-ground pool could be a great addition to your home. However, if you live in a colder area, a pool can be a huge disadvantage and can detract from the home.
  1. Big or small backyard. You might love your huge backyard, but some buyers may be turned off with the extra maintenance a big yard brings. On the other side, a backyard that is extremely small is a turnoff because it limits privacy and entertaining guests.
  1. Tile flooring. Because this is one of the hardest types of flooring to remove, tile can turn some buyers away. Depending on the type of tile (i.e. white tile) can really date your home and dis-way potential buyers from making an offer.

Learn more about cool features that can deter buyers at Realtor.com.