Bluffdale, UT

Bluffdale Real Estate tripled from 2002 to 2003 and has stayed somewhat close to 100 since. Sold price of homes in Bluffdale over the past ten years dropped then skyrocketed and is currently right where the appreciation line would put it.

There are a number of things to consider when choosing the right home and everyone's priority is different. Where should it be located; neighborhood preference; single or multi-level, number of bedrooms and baths; square footage: yard size; features: quality of school; age of home; interior or exterior appeal; and most of all, price, because if it's out of your budget, it can't be considered.

Make a List

Make a priority list of things important to you. Start with the most important, things you have to have. Then work down the list, putting them in order of most important. After you are done, go up to the top and move down until you get to a place where you can draw a line. Above the line should be all of the items you have to have, and below the line should be all of the things that would be nice to have. This will save you a great deal of time and provide a clear focus for your house hunting.

Working with a Realtor

Although the Internet can provide you with homes matching your criteria and it seems easy to drive around, take notes, and set up appointments to view homes for sale, using an agent can be more efficient. They can do the same thing for you, but by working with a Realtor, you benefit from their knowledge and experience also. Their advice could better help you determine the right home for you and they can assist you with the actual purchase contract.

What to Do When You Find the Right Home

Considering everything has come together, the price is within your budget, and a home has met your demands, it's time to make an offer. Part of the offer should require a home inspection so you have reliable information about any major problems or repairs you might incur and how they will be handled. If your offer is accepted, the sale proceeds. If your offer is not accepted, the seller may counter-offer with different terms.

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As a Realtor who represents the Home Buyer, I have found through the years, the Home Warranty to be a very important factor in the home purchase process. The last thing a new home buyer wants to worry about after closing is the possibility of something breaking down. There are many things that could go wrong, for peace of mind; it would be a good idea to get a home protection plan. I believe it is especially important for First-time home buyers, with little experience maintaining a home.

Generally the Seller pays for the Home Protection plan and Home Warranty coverage. This is not only a benefit for the Home Buyer, but it also protects the Seller, because the home buyer won't be calling and bothering him when things go wrong.

For an annual fee of $250 to $600, the warranty covers repair or replacement of basic home systems such as plumbing and heating, major appliances, air conditioning, dishwashers, doorbells, ductwork, garbage disposal, ceiling fans and telephone wiring. The warranty company contracts with local repair companies to provide service. If something breaks, the homeowner calls the warranty company, which arranges with the local company to dispatch a repair technician.

If you do decide to try a home warranty, check with several companies and carefully read each contract to determine what is and isn't covered. You might also want to check with friends and neighbors to see who has warranties and what their experiences have been with various providers. Your best source for a Home Warranty company would be your Realtor. Realtors deal with these companies daily and know which ones are most popular with their home buyers.

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By: Robert A. Hulme - Realtor - Loan Officer

While some people choose the flexibility of renting and being free of maintenance, many others choose ownership for other reasons. The pride of being a homeowner is a very important reason for purchasing a home, but more people are interested in homeownership for purely economic reasons.

Building Equity

One of the main economic reasons is that of building equity. Especially in today's market, with home values being deflated as they are, many buyers can pick up a home at a very reasonable price. With interest rates being at all-time lows, you can make a healthy payment and have most go to the principal of the home loan, thus creating more equity.

Tax Deduction

Another good reason for purchasing a home is the ability to deduct your mortgage interest and property taxes from your Federal Income Tax return. This can result in significant tax savings, especially in the early years of a mortgage when interest payments are higher.

Payment Stability

Unlike renting where payments can increase over the years, a fixed-rate mortgage payment will remain the same for the term of your loan. During a time of increasing foreclosures like we have today, the demand for rentals in much greater, thus creating inflated rental pricing.