Alpine, UT

Looking to increase the energy efficiency of your existing Alpine, Utah home or business? Are your Questar gas bills through the roof? Let Alamo Infrared Energy Audits and Home Inspections inspect and evaluate your Alpine, Utah 84004 home or business. Our modern equipment can evaluate and determine the air tightness of your new home. Leaky windows and doors as well as missing or insufficient insulation can only be detected using high performance blower doors and infrared cameras. For more information visit our website: www.utahenergyaudit.com www.umrt.com

Alamo Infrared is the oldest and largest energy auditor for homes, businesses and government buildings in the Rocky Mountain West.

Utah County Mortgages and Getting the Best Rate

As a Utah County Home Buyer, it only makes sense to try and get the lowest rate possible when obtaining a Home Loan. After all, the rate is the primary factor in determining your house payment. But how do you get a low rate when applying for a home loan? This is the primary question that most home buyers want to know. I would like to explain some important ideas that you need to keep in mind.

Credit Score

One of the primary factors in helping to determine your interest rate is your credit score and financial history. In other words the best interest rates are usually reserved for those with the highest credit score. So if you credit score is not very high the chance of getting a lower interest rate is not very good. It is very important, that, prior to applying for a home loan, you pay all of your bills on time and that you do carry some line of credit so you can show the lenders that you pay your bills.

Type of Loan

Recently, I am sure you have noticed that the home loan market has taken a dramatic change. There are not nearly as many programs available as there used to be. Most banks require that the home buyer contribute more down payment. They feel that with the higher down payment , the buyer will be less likely to default on their loan. But there are still a few loan programs available, so make sure that your loan officer takes you through all the types of loans that you have available to you based on your financial situation.

Yield Spread Premium

The one factor that most home buyers are not familiar with is Yield Spread Premium. Yield Spread premium is usually disclosed to the home buyer in the good-faith estimate as being between 0% and 4%. The loan officer doesn't have to tell you the exact percentage, mainly because he/she does not know for sure, because rates are constantly changing. Most states are now required to disclose the final Yield Spread Premium on the closing documents. Make sure you understand this concept thoroughly prior to going to closing, because you could be real surprised if you don't. Avoid any problems at closing by having your loan officer explain this program in detail during the transaction. Yield Spread Premium is where most loan officers make the bulk of their commission. The balance comes from the Loan Origination fee. Most important, is become informed, ask many questions of your loan officer throughout the entire process.

Purchasing a home can be a wonderful experience, if you are not prepared prior to entering the process it can be a bad a one. Make sure you keep your credit in good standing, save up as much money as possible for a down payment and become informed and everything will go great. Good Luck.

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Looking for an energy efficient home in Alpine, Utah? Let Alamo Infrared Energy Audits and Home Inspections inspect and evaluate your new home. Our modern equipment can evaluate and determine the air tightness of your new home. Leaky windows and doors as well as missing or insufficient insulation can only be detected using high performance blower doors and infrared cameras. For more information visit our website: www.utahenergyaudit.com www.umrt.com

Alamo Infrared is the oldest and largest energy auditor for homes, businesses and government buildings in the Rocky Mountain West.

Utah County Home Buyer Representation - Buyer Agent vs. Seller Agent

During the past 25 or so years, Utah County Home Buyers have been able to choose between Buyer agents or the Sellers agent representing the Seller, to buy a home from. Many buyers didn't even know that they could use a buyer agent or even if they were available. Most home buyers assumed the agent showing the home represented them. Seller agents were obligated to represent the seller's interest unless they had a separate written agreement with the buyer to represent them.

The FTC did a study of the Real Estate brokerage industry in 1983 and determined that most home buyers actually thought that the Real Estate agent showing them homes was working in their best interest, the vast majority were wrong. The FTC started putting pressure on the states to have real estate agents disclose in writing to the consumers whose side they were representing. In the early 1990's most stated adopted agency disclosure laws requiring real estate agents to finally tell consumers the truth about who they were working for. The NAR endorsed buyer agency as an alternative in 1993.

Today agency is broken down into 3 categories, Seller, Buyer and Limited (Dual). The Real Estate agent has to disclose in writing, which he is representing in the transaction and the other party has to acknowledge their understanding of the representation during the process of buying and selling of a home.

There are three big advantages of having an Exclusive Buyer Broker agreement when you are purchasing a new home.

Unbiased view of the Real Estate Market

Seller agents want to sell you their own property that they have listed. Buyer agents want to show you as many properties as possible to help you make an educated decision.

Negotiate in Buyer best interest

Seller agents typically try to get the highest price they can for their seller client. The higher the selling price the larger their commission and happier their client is.

Savings on Loans and costs

Once a buyer agent has negotiated a purchase contract, then he works hard to save you money on loans, inspections, repairs and closing costs. The buyer benefits by having his agent focus completely on him and trying to make his experience a good one.

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Utah County Foreclosure Properties, Short Sale, Bank Owned

Utah County Properties that are in distress usually are referred to as Foreclosures. Foreclosure usually happens for a number of different reasons. Few home owners choose to go into foreclosure voluntarily. It is often a result of one of the following:

· Loss of Job, laid-off, fired or just quit.

· Unable to work due to medical condition.

· Divorce

· Job transfer

· High debt, unable to make mortgage payments

Utah County Foreclosure property can be distributed to the public in a number of different ways. The first step usually takes place in the form of a Utah County Short Sale. The seller tries to negotiate a lower payoff to try and avoid credit report problems. When the seller is unable to negotiate a short sale, next the bank would take the property to public auction. If the bank is unable to sell the property at auction then they would try and sell the property to the public in the form of a Utah County Bank Owned sale.

Utah County Bank Owned

Utah County Short Sale Bank Approved

Salt Lake County Bank Owned

Salt Lake County Short Sale Bank Approved

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