8 Creative Ways to Save for a Down Payment

If you’re ready to make the jump from renter to homeowner, you’ll most likely need to save for a down payment. The typical down payment to buy a home in Southern Utah is between 3% and 20% of the purchase price. While 56% of buyers with a mortgage put down less than 20%, saving up… Read more »

Keeping It Clean This Flue Season

Roasting chestnuts over an open fire is a delightful holiday season tradition, but unless your flue has been inspected and cleaned, it’s not a very good idea. After all, a far less popular holiday pastime is running out into a winter night in your pajamas because your flue caught on fire. Flue fires account for… Read more »

Pantry Organization for Preppers

With more people staying at home and avoiding crowds, a lot of homeowners are turning to home prepping as a way to cut back on trips to the store and avoid shortages. Unfortunately, many people find themselves overwhelmed. Sometimes it’s hard to know exactly what to stock up on. And once the pantry is fully… Read more »

Salary Drop? – A Mortgage is Still Available

In uncertain times, it can be easy to sit back and worry your time away hoping things will work out eventually. Although worrying will absolutely give you something to do, it won’t get you anywhere. So if you’ve been wanting to buy a home or refinance this year, don’t discount the possibility just because your… Read more »

How Does Rent to Own Housing Work?

Buying a home is a big deal, especially for those who have had credit problems in the past. The most common way to buy a home is with a mortgage loan, which requires both a credit score that the lender finds acceptable and enough cash on hand for a down payment (and usually some other… Read more »

Title Insurance: What It Is, Why You Need It

Buying a home is fraught with all kinds of peril, from home inspections that go terribly awry to negotiations that seem to go on forever and hinge on every little detail. But once you’re through all of that, you’re basically in the clear, right? For some buyers and sellers, maybe not, but title insurance can… Read more »

3 Renovations To Sell Your Home Faster

If you’ve decided to place your home on the market, you likely want it to sell as quickly as possible. Partially, this is for your own convenience. More importantly, though, the longer that a house sits on the market, the lower its final price tends to be. Therefore, before you list your home, you need… Read more »

Financial Literacy Courses for Children (2020)

Earlier this year The CFPB (Consumer Financial Protection Bureau) has released this financial training for children on their website that is absolutely FREE. CLICK HERE to get to the training. CFPB says, “To build money skills, follow the three building blocks” Due to the coronavirus, many schools are out or transitioning to distance learning and… Read more »

Pool & Spa Liability with Slips and Falls

Owning a pool/spa comes with a number of liabilities.  You must not only worry about your immediate family but those you invite to swim.  What can be done to reduce liability exposure with “slip and fall” incidents? Regardless of a pool/spa size or depth, always have excess insurance coverage to sit over your primary homeowners… Read more »

Choosing Energy Efficient Windows

If eyes are the windows to the soul, then surely windows are the eyes of your house. When it comes time to replace those windows, it’s important to make a carefully considered decision before pulling the trigger. Today’s modern windows come in a staggering number of designs, made from a lot of different materials, all… Read more »