Janet Naisbitt-Bagley

I've heard lots of controversy on both sides for and against the up to $8,000 tax credit extension for home buyers who haven't owned a home in the last 3 years. Back and forth; back and forth! I've also heard pros and cons for the addition of current home owners who have owned their home 5 out of the last 8 years. How about you? What do you think? Let's vote! For? Against?

I figure it really doesn't matter whether I agree thoroughly or don't agree at all. It's here.

I just hope buyers don't wait until the last minute to take advantage of this extension! They need to start now. Some buyers waited too long to put their dream home under contract and wouldn't have received their $8,000 if it hadn't been for the extension. Loans and appraisals got bogged down and slow at the end with everyone hurrying to close in time.

The good thing about the extension is that it will give us a boost through the typically slow winter months to the really busy real estate months. By then the real estate market should be speedily on it's way to recovery when it hits June which is the best selling time of the year for the real estate market in the Cedar City, Utah area!

Please check out my blog on my website at www.homesincedarcity.com for information on the survey that says 5 out of 20 Americans say that they will purchase a home in 2010. I would think that the tax credit extension will help that come to life!

If you are a buyer or seller, I would love to help you with all your real estate needs. Please call at 435-865-1019 or toll free at 800-934-3742 or email naisbitt@infowest.com. Check out the many attractive bargain priced homes available including foreclosures, short sales, and new construction on my website: www.homesincedarcity.com by clicking on search MLS.

I hiked for 2 1/2 hours in Zions National Park yesterday with my daughter-in-law, Becky. We had an absolutely perfect day! The weather was just right, and the sky was blue. We didn't even need sweaters! We ate in the Zions Lodge while looking out of their huge glass windows at the autumn leaves slowing floating to the ground. It was wonderful therapy to be with someone that I truly love while enjoying such majestic scenery and peace. My sense of calm and gratitude for such a breath-takingly beautiful place is still with me today. It felt warm and fuzzy and wonderful!

Yesterday I was thinking about how grateful I am for living in this free country as I got ready to go to Zions. I wore my blue tee shirt with the big American flag on it! All day I was feeling thankful for the many freedoms we enjoy and for those who have sacrificed to to preserve those freedoms.

Veteran's Day is a special time to be especially grateful for those who have gone above and beyond with their service to this great country. I feel a deep sense of gratitude to all Veterans including my own family members. I THANK YOU! I am also deeply grateful to those who are currently serving. I thank you all from the bottom of my heart.

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.