Category Archives: News

Americans Sitting on Trillions of Tappable Equity

Like many of our clients, you are likely sitting on a substantial amount of equity in your home after the last few years of near record appreciation.  Maybe you’re asking yourself if there is a way to tap that equity and use it in a more economically productive way (more on that below).  Black Night just reported that Americans are sitting on a record amount of tappable equity, currently estimated to be in excess of $5,420,000,000,000 ($5.42 Trillion in tappable … Read more

When Will The Real Estate Bubble Pop? – A look into the Supply and Demand of the Housing Market

If you’re one of the millions of Americans who wants to buy a home this year, the constant increases in property values might have you feeling edgy. When you keep getting outbid on homes, you wonder if it’s wise to offer more for the next home you fall in love with. People who already own homes fret, too. They worry that they’ll sell their current home and then not find a move-up home they can afford. It can be really … Read more

When Will The Real Estate Bubble Pop? – A look into the Supply and Demand of the Housing Market

If you’re one of the millions of Americans who wants to buy a home this year, the constant increases in property values might have you feeling edgy. When you keep getting outbid on homes, you wonder if it’s wise to offer more for the next home you fall in love with. People who already own homes fret, too. They worry that they’ll sell their current home and then not find a move-up home they can afford. It can be really … Read more

Professional Home Loan Program

There has always been the myth out there that physician home loans are only available for those with an MD and DDS designation.  Well,  we’re here to destroy that myth!  While we do currently offer solutions and services for medical professionals not of those designations, we now have a much more expansive selection available! We are really excited to provide a new feature available not just for our standard physicians, but that can also specifically cater to CRNA’s, PA’s, DPT’s, … Read more

Rent Vs Buy, What’s Your Best Option in Today’s Market?

I just had a phone call with a client who asked the question: “Josh, we have about 10% to put down and we’re trying to figure out should we wait another year so that we have saved up 20% for a down payment, or should we go ahead and buy now?” I said, “Well that’s a great question. Before I answer the question, let’s think about what kind of a market we’re in and what might change between 2018 and … Read more

What Impact Do Higher Mortgage Rates Have On Housing Prices?

Mortgage interest rates have risen by nearly one half percent thus far in 2018, most projections are for a five percent 30 year fixed rate by the end of the year and I personally would not be surprised to see it above that. WHY are rates moving higher after 30 years of lower and lower interest rates? As I have written about before, higher mortgage rates are a near certainty due to the fact inflation is ticking up faster than … Read more

Tax Reform and its Potential Impact on Housing

Disclaimer: This guide is not meant to be a resource for tax advice but instead a resource for basic information concerning only certain aspects of the new tax code and how they may impact the real estate market. You should get tax advice from your accountant or tax preparer who will explain how the entire tax code will affect your personal return. This information comes immediately after the new tax code became law. Some of the information may be revised … Read more

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

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