Tricks to Refinancing your home...even if you dont qualify!
Many people are taking advantage of refinancing! I mean this is history right now with lowest rates in decades! But what about those who are in their home and aren't sure if they qualify? Here are the tricks to refinancing.
1. Where do I get the best rates?
You can shop around! However, it is confusing as some people say they will give you no costs. I know one person that told me, I got the greatest deal with no costs but his interest rate was pretty high. Don't fall for no costs. Be sure to compare APR's as those will include costs. The best place we have found closing costs and rates have been local mortgage broker. Tim Peterson tim@rightsidelending.com or Sandy Lowe sandy@silverrm.com
2. What do I ask for to compare costs?
Ask for a Good Faith Estimate. This is a standard form that everyone should give you that includes your rate and all costs. You can look at all the closing costs and the interest rate on this. There is a rate called an APR...this is not your interest rate but is calculated to show you what all your costs are including your interest rate and closing costs.
3. How do lenders get paid?
Lenders get paid according to your interest rate. They also get paid according to the costs they charge you. For instance, if a lender is giving you a 5% rate..they may be getting paid 1 point in the back. (A point is 1 percent of the loan.) If they give you 4.5% they may have to pay the lender money to help you get that rate. If they are charging you 6%, they may be getting paid 2 points. Any fees on the estimate that show they are paying the broker is also what they get paid. Many times this will be an origination fee and a processing fee. There are processing fees that go to wholesalers that the lender cant change.
4. What if I can't qualify?
If you can't qualify call the lender who you have your home's mortgage with now. Many self employed people will need to do this as well. Every lender is different. My current mortgage lender was willing to refi my house with no closing costs and I didnt have to do the entire verification process. Some lenders of mine in the past just sent me a paper in the mail to sign. Don't give up if you don't think you can qualify. Call your lender and see what they can do for you.
Home not selling? You are thinking of renting it out and moving? Think Again!
The way loans used to work don't work that way. That's what I did back in 2001 or so when the market in Utah was depreciating. I just moved out of my home, leased it out and bought a new one.
FannieMae changed their rules though. Cant do that anymore. Why the change? There was something mysterious going on with many buyers this past year. They were upside down in their home, so they moved out, bought a home and left their home behind them. So FNMA changed the rules.
Heres the new rules:
If you move out of your current home and into another, you have to qualify for both payments. (Old days they would let you count the rent..but not anymore.
Not only would you have to qualify for both payments but you would also have to have 6 months of payments in a checking account for reserves for both properties.
The only exception to this rule is if you have 30% equity in the property. Than, they will be more lenient on your reserves and allow rental credit for income.
You can view the rules by clicking here.
To evaluate what you can do with your property go to UtahDave.com and fill out the form here.
How does a short sale or foreclosure affect me and my credit?
That is the question that many people are asking. Times are statistically tough for many during this recession and people want to know what their options are and what they need to do. Im not a lawyer but this is what I am seeing in the loan world and in the credit arena.
My rule of thumb is always the following when it comes to making payments:
1. Always make your payments and fulfill your obligations.
2. If things are tough and there is no way out, call your lender BEFORE things are bad and before late payments are made. Always call your lender if you are going to be late. This is the same rule with landlords and tenants. The tenants that call the landlord and tell them things are going to be rough establish trust. The tenants that avoid the landlords calls develop no trust.
(Dont avoid your lender calling you. They can and may work with you during tough times. It may be embarrasing or something that one would rather hope goes away...but talk to your lender.)
3. Call a Realtor - One that specializes in short sales. Hopefully one that is very good before foreclosure comes. (We receive many referrals from Realtors that know how tough a short sale is and they send us their business because its a sale that only certain people can negotiate with the bank. We even help Realtors with their short sales.)
Here are the options and how it relates to you. Now Remember, if it is an investment property there may be tax consequences. Consult your accountant regarding this.
1. Foreclosure - In a nutshell, you could be sued, have a judgement against you for the difference, and unable to buy and own a home for 5 years.
When a foreclosure happens this hurts your credit very badly. Judgements for the deficiency can be placed on you for up to 20 years. Again consult your attorney regarding this. Im a Realtor, not an attorney. Credit is the worst it can get.
We have a friend that waited too long to sell their home as a short sale. He just received a letter in the mail sueing him for over $100,000 for the difference on the home.
2. Deed in Lieu of Foreclosure - Basically the same thing as above, however, you may be able to negotiate to not have a judgement against you. Still cant buy a home for 5 years.
3. Short Sale due to not making payments. - Earliest to buy a home..2 years.
In most cases the bank will forgive you of any money you owe them. You walk away from the property having "Settled" with the bank.
Not making payments causes the severity of the credit damage. When payments are being made, credit goes down the toilet really fast.
4. Short Sale while keeping your payments current. - Earliest to buy a home..2 years with LITTLE CREDIT DAMAGE!
The bank forgives you of your debt. You walk away from the home. You dont pay anything out of your pocket.
There are people reporting anywhere around a 50 point drop in fico scores immediately after this type of short sale. There are people reporting their scores dropping from 800 to 750 or from 715 to 680.
What options do you have with your current home and scenario? For a free evaluation find out online here.
View Fannie Mae Rules here with terms of buying a home after Short Sale and Foreclosure.
You have seen the headlines "Why Pay 6%? Save $2,000 to $4,000!"
Did you really end up saving? Lets take a look at a couple scenarios.
Sometimes its tough to really know, many times you will never know. Why? Because there rarely is the exact same home for sale at the exact same time as each other listed with different brokerages. But we found some for you to look at. These two homes were on the market at the exact same time and were considered competition as they were exact comparables.
EXAMPLE A:
This home was listed with a discount brokerage, and 2 different nation wide traditional brokerages.
Time on market: 470 Days
Net to seller after paid closing costs: $206,200
EXAMPLE B:
This home was listed with a Discount Brokerage for 6 months before we took it over.
Utah Dave Sold within 120 days
Net To Seller: $295,000
These two homes were exact comparables. These two homes had the same finishes and should have sold for relatively the same price and within the same timeframe.
The seller A and B first tried to utilize discount services. But look to what happened to SELLER A! Seller A lost $90,000.
The seller could say to their neighbor, "I saved $2,000 on commissions when I sold my house." But what he really doesnt know is that he lost $90,000 in trying to save on commissions.
Is this a one time deal? No, it isnt. I will be uploading about a dozen of these that I have found.
CONCLUSION: What do we learn from it?
The Biggest Mistake Sellers make is when they pick an agent based on commissions or based on the price of their home the agent thinks it will sell for If you pick an agent based on commissions, it could cost you not save you. Pick an agent based on the agent's results, not cost. How do you know what their results are? Try asking them for a list of homes that they have sold and show comparables that they outsold. If they are results oriented, you will get the list! Heres a list for you regarding our sales.
More Case Studies: What do we mean by Traditional or Nationwide Brokerage? Many of these homes that were being sold were listed with a Coldwell Banker/ReMax/Exit/Century 21 or discount brokerage type. These case studies use comparisons of homes that are almost exactly alike. Prices and timeline to sell should be equal if you base it on the home. Most people believe their home is better than everyone elses. Most people believe their home will sell for a certain price no matter who helps them. Some people believe that the MLS System sells 90% of the homes. Well if the MLS were to sell the homes, why would certain agent's listings take longer to sell? Why do certain agent's listings not sell? Why do certain agent's listings take longer? Take a look at these case studies and see for yourself that it matters who lists your home. People who base choosing an agent off of commission or choose an agent based off them being someone they know or based off of a promise of a quick sell at a certain price end up losing in each of these scenarios. How do you choose your agent? Hopefully, its off of the agent's results.
UTAH DAVE SOLD:
Time on Market: 75 Days
Sold net to seller: $294030
Traditional Brokerage:
Time on Market: 319 Days
Sold Net to Seller: $293,000
UTAH DAVE SOLD:
Time on Market: 2 days
(A Nationwide brokerage listed for 6 months and could not sell it.)
Net to seller: $290,000
Traditional Brokerage:
Time on Market: 275 days
Net to Seller $251,000
UTAH DAVE SOLD:
Time on Market: 4 days
Net to Seller: $410,000
Same Home except this is .17 acre (smaller lot)
Traditional Brokerage:
Time on Market: 120 days
Net to Seller: $370,000
This home had a .27 acre lot. (larger lot)
UTAH DAVE SOLD:
Time on Market: 44 Days
Net to Seller: $285,000
(This home backed a busy main road.)
2200 sq ft with a 2 car
Traditional Brokerage:
Time on Market: 1.5 years
Net to Seller: $245,000
This home was in the same neighborhood but newer, 2800 sq ft and a 3 car garage.
UTAH DAVE SOLD:
Time on Market: 1 day
Net to Seller: $327,750
Condition: Fixxer Upper, Poor condition.
Traditional Brokerage:
Time on market: 529 Days!
STILL HASNT SOLD Listed at $325,000
Totally Remodeled with a 5 car garage.
(These people listed with another brokerage because the other brokerage promised them a higher price and a lower commission than us.)
UTAH DAVE SOLD:
Time on Market: 3 Months
Net to Seller: $290,000
Traditional Brokerage Sold:
Time on Market: 464 Days
Net to Seller: $249,000
UTAH DAVE SOLD:
Time on Market: 4 days
(Previous Nationwide Brokerage listed for 6 months and could not sell.)
Net to Seller: $224,000
Traditional Brokerage:
Time on Market: 240 Days
Net to Seller: $219,200
This home also had a partially finished basement that the other didnt.
Another Traditional Brokerage Sold:
Time on Market: 4 months
Net to Seller: $210,000
UTAH DAVE SOLD:
Time on Market: 21 days
Net to Seller: $255,000
Traditional Brokerage Sold:
Time on Market: 171 Days
Net to Seller: $243,000
UTAH DAVE SOLD:
Time on Market: 74 Days
Net to Seller: $259,600
Traditional Brokerage:
Time on Market: 180 Days
Net to Seller: $236,000
UTAH DAVE SOLD:
Time on Market: 61 Days
Sold at $255,000
Traditional Brokerage:
Time on Market: 150 Days.
NEVER SOLD at $250,000
(Had $30,000 in upgrades too!)
UTAH DAVE SOLD:
Time on Market: 1 Week
Sold $375,000
Invested $15,000 to finish basement.
Total sq ft 4653
Traditional Brokerage Sold:
Time on Market: 447 Days
Sold: $330,000
Sq ft at 4955
UTAH DAVE SOLD:
Sold in 28 Days
Price: $499,000
4200 sq ft fully finished
Traditional Brokerage:
Time on Market: 2 years!
STILL HASNT SOLD Listed at: $449,000
4966 sq ft Fully Finished
UTAH DAVE SOLD:
Time on Market: 1.5 Months
Sold for $255,000
Basement was unfinished.
(Previous Discount Brokerage attempted to sell for 3 months)
Traditional Brokerage Sold:
Time on Market: 6 months!
Sold for $240,000 (They also fully finished their basement)
On market the same time but estimated losses on this is $30,000. Looks like even if they paid twice the amount of commission they would have saved more money.
Utah Housing Market Update for 2009
Current Situation...and the CRYSTAL BALL for the future
A week ago we were talking in our office about demand. We have been watching 'pending' home sales decline and decline. This is typical during this time of year. Generally 1rst quarter after 4th quarter is where it bottoms out. So we thought, when was the last time home sales have been this low? We can't find data that goes back that far. We speculated it must be as far back as the 1980's. It also seems like the demand should be there to buy homes, but where are the buyers? We speculated as well that the demand is there and that it would arise soon. Im not an economist (Im a salesperson, I sell real estate not analyze numbers, we are diffrent breeds) and I dont have the data they do, so I looked forward to hearing what these specialists had to say. Today I had the opportunity of meeting with Wells Fargo Senior Economist Kelly Matthews, the U of U's department heads, and the National Association of Realtors Regional Economist. All of these people shed some great insight on our thoughts and to what is happening. Most of these men's charts and predictions were very similiar. They shed some great light on certain aspects of the economy. Here is the nutshell.
Unemployment/Employment in Utah:
Utah has been losing jobs. Our low unemployment rate according to Wells Fargo Kelly Matthews was 2.7% in 2007. In 2005 before the real estate boom Utah was at 4.3%. Kelly's prediction for first half of 2009 is 4.5%. That is taking us back. We are still well below the national average!
New Construction
Single family Building permits in 2005 according to Kelly Matthews was at 20,912. Now watch this drop and fall out of the sky. 2006 was 19,888 and 2007 was 13,507. The sky is falling number for 2008? Almost 6,000. His prediction for first half of 2009 is 2790. James Wood at the U of U also had similiar numbers.
What is his prediction for new construction? Its a continued shake out till 2010.
What do I see out there happening? There are so many new homes and neighborhoods that are in foreclosure right now. There is also a forced liquidation happening. Im seeing many banks forced to sell their inventory at lower prices to clean their books and get some cash back in the bank. Im also seeing some builders and developers in a cash crunch that are forced to liquidate their lots at pre 2005 pricing. This is very good news. Land is now becoming very affordable once again. Now, this doesnt mean go buy anything. We know where the good deals are and what you can sell them for. There are bad deals and great deals alike out there.
The Good News for those who have Home Equity or Credit Cards tied to Prime.
During 2005 to 2007 Prime was 7.25 to 8.25. Right now Prime has been around 4%. The prediction for first half of 2009 for Prime according to Kelly is 3.5%. The news yesterday announced this just recently hit 3.25%! People are able to save money with the rate dropping in half!
What about Foreclosures?
James Wood also showed us some charts of foreclosure rates. When we looked at the past foreclosure rates typically it peaked out at about 3% whenever we had recessions. Right now our current foreclosure rate is at 1.5%. This data means that we can probably look to having about 3500 homes foreclosed arrive on the market for sale during the next year or two.
What about Housing Affordability in Utah?
Kelly Matthews a year ago predicted the Utah market. He said prices will fall, they have to fall in order for us to have affordability. He stated that we needed appx 20% price decline. If you look at the numbers we had 10% price decline. In the coming months you will see numbers even lower than that once data is gathered. Interest rates are low though. Typically one point drop in interest rates means 10% price affordability. Kelly thinks we are very close if not there for housing affordability once again.
According to our experience in making offers, we are seeing homes have multiple offers in many instances where the homes prices make it very affordable to buy. The buyers are there, but they are cautious to what they are going to buy. It must be priced right.
When is the bottom?
Sell high, buy low is everyone's motto right? Can you effectively predict the bottom? Maybe. You need to remember though that real estate is local. So for instance, the bottom depends on the area. Example: Washington D.C. rarely has any foreclosures, but as you move outward into the suburbs foreclosures start to skyrocket. What does this tell you? That certain areas and neighborhoods will hold value. So predicting the bottom can't be done with nationwide statistics or statewide statistics. Also, you have to take into consideration your negotiating skills, the current distress of the property owner, your efficiency at evaluating properties, and how many buyers are looking at the property. Just because you bought a home at the bottom doesnt mean you got the bottom price. I have met many people who paid top price at the bottom of the market. They didnt make anything. I also know people who bought bottom prices but it wasnt near the bottom of the market.
What does this all tell us? That buying at the bottom isnt as important as buying bottom prices according to the neighborhood and area that you are buying in. Now if you were to predict the bottom of the market I would predict 1rst quarter of 2009 but no later than 1rst quarter of 2010. How will we know which one it is? The Numbers for 2nd quarter this year probably will tell us. Stay tuned come July 2009. But by than you might have missed the bottom. But that doesnt matter right? What matters is you get bottom pricing! This past few months have been amazing at getting awesome deals. This year will be awesome as well!
Where are the buyers and the demand?
Our population grows at 2% currently. We have potential buyers that need homes. They are either living with parents, friends, or saving up for a down payment due to most 100% financing loans disappearing. These buyers will come out of the woodworks. Between saving for a down payment and waiting for consumer confidence to rise these buyers are in hiding. These buyers cant stay where they are at for long. They need housing and will be out looking for it. Once the consumer confidence picks up you will see everyone starting to buy. By than though, the bottom has passed. I remember so many people in 2005 that were so upset they didnt buy a year earlier. It sneaks up on you.
Conclusion, according to all these men?
2009 is the bottom, things will start to improve in 2010. This year we will see record amounts of foreclosures on the market. We will also start to see all the buyers in hiding starting to come out of their shells especially by 2010. Our population has to grow. It would be like a 5 year old still wearing 2 year olds shoe. We have to get new shoes. Our economy is very different where our own population feeds our growth. Interest rates could be at lows not seen since the 1960's. Homes are very affordable and people can actually buy homes under what they would normally appraise for. There are 100% financing programs still and even grant money to buy a home up to $22,500 from the government. All of this is happening right now as we speak. That is exactly why I am having a record month in sales this month. With all the bad news, good things are actually happening!
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Specializes in Building High Producing Real Estate Sales Teams. This 3 Secret and 7 Step process generated over $37 million in sales a year. Dave coaches and sells real estate in Salt Lake City, Ut.
Buying or Selling a Home? Utah Dave specializes in assisting people buy and sell residential homes in the Salt Lake Area. If he doesnt specialize in it, he knows someone that does! (Thats why his friends nicknamed him Utah Dave.) The All the Right Steps Experience walks buyers and sellers through the 3 secrets and 7 step process in buying or selling a home.
Assisted owners/employees/professors/executives working for top industry corporations and organizations such as Novell, LanDesk, Utah Jazz, 3M, IKON, Costco, Biovail, Cadence, Delta, SkyWest, Boeing, Continental, eBay, Les Scwaab, Intel, Micron, IM Flash Technologies, Progressive, American Family Insurance, Red Lion, RC Willey, Jordan School District, Aflac, UPS, Kennecott, Dex, American Express, Black Diamond, Rumbi Island Grill, Educators Mutual, CR England Trucking, FAA Federal Aviation Agency, US Air Force, South Jordan Police Department, University of Utah, Brigham Young University, Marine Core, Army, Hill Air Force Base, Zions Bank, Merrill Lynch, Fidelty, Charles Schwab & Co., The Church of Jesus Christ of Latter Day Saints and more in relocation services and in purchasing or selling a home.
Also, provided analysis on REO (bank owned) properties, negotiated tenants to leave premises, prepared home for sale, and listed and negotiated the sale of the REO property.
Recently rated as #1 in the Salt Lake Valley for number of homes sold by Enterprise Newspaper in Sept of 2007. Dave's steps in helping people buy and sell homes enabled him to gratefully have sold almost $40 Million in Real Estate last year. Also voted for Broker/Agent of the month by peers in 2007. Thanks for such great compliments from my clients and my peers. None of this could be accomplished with out you!
Striving to Build a Successful Real Estate Career? Dave also coaches real estate agents the 3 secrets and 7 steps to building a real estate team/career. These steps took one agent from 20k in commissions to $1 Million in just 3 years. This same process enabled one Rookie to sell appx 33 homes his first year for a total of approximately $10 Million in Real Estate sales.
Dave has been featured in CRS magazine as an agent who learned how to double his income by reducing his 80 hour weeks to 40 hour weeks while taking a month of vacation a year, not working nights or weekends. He also was recently spotlighted as Broker/Agent of the month by his peers in Salt Lake City.
Dave's focus is his mission statement: To continually strenthen ourselves and our relationships by passionately caring for others, proactively discovering hidden needs, and persistently exceeding expectations.
People Looking to Buy or Sell their Home across the Salt Lake Valley:
1. Relocation services for employees, executives and owners of large and small companies. Assisting with selling of current homes and purchasing new homes in the State of Utah. Strictly Residential Real Estate.
2. Assist First time homebuyers with $5,000 free grant money and ensuring their first home meets their needs while being a solid investment that creates equity so that they can transfer that equity and trade up their home in the coming years.
3. Assisting people with buying foreclosures, pre foreclosures, and/or Hud/Va homes. Sign up for a Free List of Forelcosures.
4. Helping people sell their home. Dave utilizes 3 secrets and a 7 step process to selling homes. Find out what your home is worth here.
5. Assisting people with buying or selling in the largest planned community in the nation, Daybreak in South Jordan Utah.
Real Estate Agents who want to increase their sales, their value, their business, and their family time:
Coaching teams and agents through the 3 secrets of success with the 7 step process to achieve it. While just utilizing 1 secret, one Realtor went from 20k commissions a year to $1 Million in a year in just a 3 year time frame which was during the slow market.
Email Dave to apply to be one of the agents/teams that he coaches. Click the contact link above at the top of this profile.
"Dave has been an awesome coach and mentor to my real estate business. He has showed me that there is an easy and highly effective way to succeed in this extremely competitive industry. Under Dave tutelage, I have been able to hone my skills in having client care at a 100% positive satisfaction level, and have learn to become a market expert in certain farm areas. I have lots of respect for the Utah Dave Team, and am excited for what we have planned for the future." "Dave represented himself as an expert in his industry and he was accurate! He provided me insight into the value and appeal of my home, and an honest valuation of my home. He helped me sell my home quickly and for the price that I needed! I was driven to him through a referral and the exposure Dave gives himself in the community through various events and activities, as well as effective marketing! Thanks again Dave!" Top qualities: Great Results, Expert, Creative "How can you sum up Dave Robison? He is a proven leader, but is open to ideas from the group. The passion that he shows through his work and inspires in his colleagues is unsurpassed. Through my work with Dave over the past few years, I have seen him grow the business and continually find ways to make our processes more efficient and beneficial to our clients. With Dave Robison in the team, we will change the way the real estate industry is run across the country." December 5, 2007 "Dave provides a value-added experience for his clients through unmatched personal service and great results. He understands the real estate market and works directly with his agents to ensure the satisfaction of his customers. Dave will go above and beyond to help you market your home or find the perfect property. He is also the most fun agent you will find. Just ask..I recommend him to all of my friends (and neighbors)." Top qualities: Personable, Expert, High Integrity "My relationship with Dave started several years ago when he helped me buy my first home. After we purchased a home, Dave continued to be a friend. Now I work with Dave everyday and I still consider him a friend first. I've seen Dave carry on this relationship with countless "clients"...friends. I recommend Utah Dave because he's happy, smart, professional, a good dancer, and he's a friend." "Dave is highly experience and is always looking out for his clients. He is the perfect mix between personable and professional. He shows he cares by taking the time to make sure to understand what his clients are looking for and works hard to help them obtain the home they want. His negotiating skills make him head and shoulders above the competition. Its always a great experience working with Dave!" "In an industry laced with stagnant ideas and practices, Dave's ingenutiy provides a service unparalleled to company's I have worked with in the past. His postive and unclouded approach to business and life helps those in his large sphere of influence to improve their practices, including myself." "I have had the great opportunity of working with Dave in the last several years. I have both sold and bought a house through Robison & Company Real Estate. One of the things I found most impressive was the quick turn around when I left a message for him. For as long as I have known Dave, he has always been a very straight forward, honest and trustworthy man. I would recommend him hands down for anyone's real estate needs." Top qualities: Great Results, Personable, High Integrity ·"The Utah Dave team is a great group of people to work with. They make the Buying and Selling process easier for everyone involved. I have found that the Utah Dave team communicates very well with the parties involved in each transaction. If I have need of information to complete my part of the transaction there is always someone that I can talk to, whether it's the Agent themselves or their Transaction Coordinator. They always seem to have the information needed or will get back to me promptly with the information I request. With the Utah Dave team I see that it isn't always about the bottom line it is about making the customers experience better. I am amazed at how fast they can get something sold. I feel the reason is they are not afraid to spend money on marketing and they seem to market their listings much better than many Real Estate Companies. David Robison the Broker for Robison & Company is not afraid to tackle a difficult situation in behalf of their client when they are being unjustly dealt with. Either with the agent or buyer /seller on the other side. He is knowledgeable and abreast of changes in the laws that may govern Real Estate. Because of their Friendliness, their ability to communicate effectively and timely, the marketing tools at their disposal, and their knowledge, their clients get more for their money, sell their home faster and will have fewer headaches or problems with getting their home sold or bought." Sincerely Yours
In my observation each Agent becomes a friend to each of their clients which make the process much more enjoyable. The agents put their clients needs ahead of just closing the deal. They truly care about their clients.
Shane Liedtke - Meridian Title Company
My wife and I were married 8 years ago and met Dave Robison after buying a small starter home in Midvale, Utah. Initially, we were impressed with Dave's positive outlook and vibrance for life. It didn't take long for us to also recognize his strength of character and integrity in everything he says and does. We knew he would be a long-time friend. When we made a decision to move a couple years later, it was a no-brainer for us to ask for Dave's expertise. In the last 6 years, we've moved 3 times and Dave has assisted us every step of the way.
Each of our moves have been motivated by the different phases in our life. On each occasion, Dave has taken the time to meet with us and discuss our individual goals in moving. And of course, on each occasion Dave has helped us hit the mark. He identifies our criteria, works dilligently to locate buyers and sellers that meet our goals and negotiates hard with our best interests in mind. Our last 2 sales have taken a total of 12 days (from the time of listing to our agreeing to the proposed terms from the buyers) and have yielded us 11% more than our original recommended sales price. Dave does it all, and then some. He is gracious, professional and follows up with us every step of the way.
His level of service and follow-through is beyond the norm and even the expected. We are confident in his abilities and would openly welcome any questions you may have. Regards, Quinn & Kellie Elzinga
As an owner of multiple homes and a real estate investor I have worked with many realtors over the years. I can say without question that Dave Robison is the best I have ever had the pleasure of working with. He and his team are timely and professional, and he is truly an expert in the Utah market."
Bill, Vice President of North American Sales at Landesk
Dave, we couldn't have asked for anybody better to assist us. By the way, with "hundred's" of co-workers moving down from Idaho to the SLC area, I have heard numerous times about the quality of your web-site. It sure was helpful to us."
Ross w/Micron
• "On a scale of 1 to 10 you and your team would be a 20. You met all the expectations and exceeded them."
Kal, -Previously listed unsuccessfully for 6 months
with another agent before listing with UtahDave.
• "Utah Dave sold my home in one month when every other home was taking 6 months. And to top that miracle off, he sold my home for top dollar!
NOT A SINGLE HOME SOLD HIGHER THAN MINE IN OVER 11 MONTHS! (Even during the boom)
Another Realtor even came over to look at our house while it was under contract trying to figure out how Utah Dave sold it so fast and why other Realtor's listings weren't selling."
Daiana Springer
• "I just wanted to say thank you for all your awesome help in getting us into this house. We are finally making it look like home and now it is starting to feel like home.Korbin is adjusting well and his favorite part of the whole house is the stairs. His toys are learning to fly and we're hoping he'll lose his fascination with them soon.
Our bamboo plant goes perfect in our new kitchen and our first breakfast was delicious. Thank you again for the gifts and all your help. We will definitely be sending referrals your way."
Thank you!
Jess, Brad & Korbin
•‘Dave is well connected when it comes to Utah real estate...might be missing something if you don't talk to him. We trust him completely and recommend all our friends and family his way. He helped us purchase our first two homes and will be the Realtor we partner with when/if we decide to move again. We trust him completely and recommend all our friends and family to Dave.'
Jason & Jenn Tripp - West Jordan, Utah
• Dave assisted my wife and me in purchasing our first home and the experience was great. We had previously tried working with another realtor but we felt like we were being pressured to buy houses that didn't fit our needs. With Dave it was different. He was very patient and showed us houses until we found the one we could call "home". Since then we have sold our first home and purchased another through Dave and his team. Each experience has been as good as the first. When working with Dave and his team I truly feel like I am working with a friend who is looking out for my family's best interest.
I highly recommend Dave and his team and regularly refer family and friends to them, because I know Utah Dave will not disappoint.
Chris & Kim Frankowski - Herriman Utah
•Our buyers specialist for Utah Dave was great! We had a lot of drama with trying to get financing and some with the sellers, but she was always our ally and making sure that everything was always getting done when it needed to be. She was always willing to meet us to go through houses and was always really prepared with paperwork, etc. Then, when we finally closed, we were able to save so much money by using the van that Dave provided us with! It was a huge lifesaver to be able to move our stuff for free! Everyone at their company was always very friendly and informative. I am a customer for life, or at least as long as I am in Utah and I will always refer them to anyone looking for a great agent!!
Lindsay Jenkins
• You guys did an excellent job with everything and we really appreciate it. Our Utah Dave Buyer's Agent, Matt Brown, was outstanding. We ran into some obstacles and he did a great job helping us overcome them. The next time we have to move, we will want Matt helping us again. Thanks again for all your help.
Jeff Foutz- West Jordan Utah
•As a young family looking to get into our first home, we sure appreciated "Utah Dave's" friendly expertise. At that time he was mostly working in Salt Lake County, but he patiently drove us around to show us homes in northern Davis County. We have been in our home for over 7 years now, and we are glad that Dave was willing to "go the extra mile" and help us get into the perfect home for our family. They don't call him Utah Dave for nothin!
Zack Brown
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