Category Archives: Financing

How Rising Prices Will Help Your Family Build Wealth in 2018

  Over the next five years, home prices are expected to appreciate on average by 3.35% per year and to grow by 24.34% cumulatively, according to Pulsenomics’ most recent Home Price Expectation Survey. So, what does this mean for homeowners and their equity position? As an example, let’s assume a young couple purchases and closes on a $250,000 home this month (January). If we only look at the projected increase in the price of that home, how much equity will … Read more

There’s More to a Bubble Than Rising Home Prices

What truly causes a housing bubble and the inevitable crash? For the best explanation, let’s go to a person who correctly called the last housing bubble – a year before it happened.   “A bubble requires both overvaluation based on fundamentals and speculation. It is natural to focus on an asset’s fundamental value, but the real key for detecting a bubble is speculation…Speculation tends to chase appreciating assets, and then speculation begets more speculation, until finally, for some reason that … Read more

FHA VS Conventional mortgage loans

Conventional and FHA loans saw significant loan limit increases in many counties across Utah. Below is the current loan limits for each county. We’d be honored to answer your questions and compete for your business. Conforming Loan Limits FHA Loan Limits If you are interested in more information regarding the differences between FHA and Conventional mortgage loans, please watch this short video: Would you be interested in searching for homes just like Realtors do? Up to 47% of the information … Read more

7 Insiders Tactics- How to Pay Less And Still Get Your Offer Accepted

7 Insiders Tactics- How to Pay Less And Still Get Your Offer Accepted It’s no secret, getting your offer accepted in today’s hyper competitive real estate market is no simple task. Inventory is low in most areas of the country and the competition for the best homes in the best neighborhoods is fierce. Most buyers you will be competing against (and their Realtors) only know one way to compete, which of course is with price. But like any game, there … Read more

3 Reasons the Housing Market is NOT in a Bubble

Love this post from the blog Keeping Current Matters and wanted to share it for our readers who are in the market for a doctor mortgage or a CRNA mortgage. With housing prices appreciating at levels that far exceed historical norms, some are fearful that the market is heading for another bubble. To alleviate that fear, we just need to look back at the reasons that caused the bubble ten years ago. Last decade, demand for housing was artificially propped … Read more

Match Day Is Here… What You Need To Know About The Real Estate Market and Doctor Mortgages In 2017!

Congrats!  You have matched and the adventure of residency awaits you.  Now you need to figure out where you are going to live and fast!  Here’s what you need to know to successfully navigate the landmines and have a flawless home purchase in 2017. Your primary challenge is going to be finding a home. As I write this post there is only 3.6 months supply of homes on the market nationally. That means the pace of monthly sales would completely … Read more

Should I buy a bigger, more costly home? How do I decide?

This is a Total Cost Analysis that I put together for a client that was contemplating moving up. And I’d like to have more of these discussions. But the truth is I need your help. I’d like to walk you through the presentation and at the end I’m going to invite you to let me know  if there’s any clients that you have that would like to have a similar type of analysis done for them. In the top left … Read more

Rent vs. buy case study

Hey guys! I just created this exact analysis for a couple of clients of mine in California and we called it the Rent vs. buy case study. I took their names off, obviously. But the numbers were staggering and I wanted to share it because I think it can impact so many of our clients that aren’t thinking long term. I think the decision to buy or rent comes down to the immediate payment on a month to month basis, … Read more

Will higher mortgage rates slaughter the real estate market?

Thought you might be asking the same question that many of our clients are wondering: “What is the impact of higher rates on home values?” Let’s start with a quick quote, which I think sums it up nicely. The (rise in rates) was considerable, but no one should be all that alarmed, nor fear that the housing market will come to any kind of abrupt standstill. After all, rates are only about where they began 2016, and all expectations at … Read more

What is the cost of waiting to buy a home?

I’ve been getting a good amount of questions from clients asking about what’s going to happen with interest rates in the future, where are home values going in the future and what does that do to my buying power. So, I’ve put together this Total Cost Analysis as a case study to look at what the potential cost of waiting would look like. Please click here to watch this short presentation. First, let’s dive into some facts. if you look … Read more

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