Janet Naisbitt-Bagley

Official word! $6500 tax credit expansion for buyers who have owned a home 5 out of the last 8 years that meet the criteris! I did think it was a little unfair that they should be left out of the benefits for buyers! What about you? How do you feel about the extension and expansion?

The $8,000 extension will help some of the buyers who thought they could close by November 30 but who have just had the startling news that a delay in the appraisal or some other part of the loan process has occurred (not unusual in this market)!

I just hope buyers won't delay until the last minute again and lose out! $8,000 in free tax credit money is not something to be playing around waiting until the last minute and hope to make it type thing.

Please call Janet Naisbitt Bagley for help with all your real estate needs at 435-865-1019. Check out the many bargains and foreclosusres on www.homesincedarcity.com

Trick or treaters have gone and somehow November rushed in to take its place! I love November and Thanksgiving and couldn't help but feel joyful as I crunched leaves walking to the office this morning! I love crunching leaves! Just a few days ago I was thinking how much fun it is to crunch snow! Soon, I'll enjoy breaking layers of thin ice! I do love the 4 seasons we enjoy here in Cedar City, Utah.

Speaking of time, It's a great time to buy real estate while there is a crisp, cool feeling in the air! Interest rates are low and so are prices. Great loan programs allow no and low downpayments to reasonably qualified people. There is a huge selection of attractive homes available right now in the Cedar City, Utah, real estate area.

Time speeds so quickly by that it's difficult to believe a whole year has passed when sometimes it feels like a day. Where have all the years gone? Doesn't time seem to go faster now than when we were children?

I hope our buyers spend this season choosing their dream home. Why wait? I believe we all deserve to experience the joy, peace and warmth of living in the home of our dreams now. And just what is a dream home? I was given a great definitiion years ago. It's everything you need with as many of your wants that your can afford. Can any of you think of a better definition?

Janet Naisbitt-Bagley PC, ERA Realty Center, 259 W. 200 N., Cedar City, UT 84720, 435-865-1019, naisbitt@infowest.com, www.homesincedarcity.com, toll free 800-934-3742

What about the extension for the up to $8,000 tax credit for first time buyers? Do we have it for sure? I keep hearing we do, and then I hear we don't. Then I hear we almost do. My mom taught me a miss is as good as a mile, so I still have no idea. Please tell me; who knows?

If we have it or get it, my concern is that people will think they can wait to buy until next April 2010. Right now there are people scrambling to buy to meet the end of November deadline. Some will miss if we don't get the extension. Loans and appraisals are often taking longer.

If the tax credit is extended, I hope buyers will use the extra time wisely to get their home under contract now; so they can be sure to get their loan and get the tax credit money and their home. That's the only way to be sure they'll get it. There are too many unknowns in the market right now.

I have heard that the new plan would allow buyers who own homes to take advantage of the tax credit but maybe not quite as much of a tax credit. I assume there will still be criteria to meet as there is in the current tax credit.

Last night we picked apples from our beautiful tree and felt grateful for a good harvest this year. The fall air was crisp. We woke up this morning to snow on the ground in a winter-wonderland. The transition was a wake-up call that temperatures and weather can be quick-change artists in the Cedar City, Utah, real estate area!

No matter what the weather, it's a great day to look at homes and get one under contract before it's too late to get the $8,000 tax credit. Agreed? Speaking of weather, we hear rumors in the wind that the $8,000 tax credit will be extended. I'd love to hear from you. Do you have any input?

Please call Janet Naisbitt-Bagley and her team of licensed REALTORS at 435-865-1019 and check out our huge inventory of homes at www.homesincedarcity.com. We love referrals and we love listing and selling real estate!

Recently I blogged about my extensive work hours and asked for suggestions to enable me to have a life! Even though it is late, I want to thank the real estate agent who suggested a form of meditation as an answer to my request for help. Great suggestion! I actually took a meditation class a few years back when I was trying to use natural healing to get rid of a brain tumor. I want you to all wish me luck as I leave now to see if I can remember how! It's worth a try! Agreed?