Buying in St. George, UT

Handy tips and articles about buying a home in St. George, Utah.

Found 18 blog entries about Buying in St. George, UT.

St. George, Utah is an excellent option for a vacation home! There’s so much to do and see and enjoy. Here are the top 10 reasons to buy a vacation home in St. George:

  1. The Scenery

Southern Utah is one of the most gorgeous regions in the world. The red rock deserts, majestic mountains and deep blue skies gives residents and tourists alike a gorgeous view nearly all the time.

  1. The Weather

Unlike most of Utah, St. George enjoys nice weather almost all year long. It is sunny almost 300 days year, almost never snows, and the average temp is 51-77 degrees. This makes it the perfect place to vacation to no matter what time of year.

  1. Easy Access to Adventure

There is so much to do in the surrounding areas

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One of the biggest deterrents to buying a home is being able to afford the down payment. The more you can pay for the home upfront, the better your loan options and payment plan will be. It is recommended that you pay about 20% for a down payment, but other financing options are available. If you are looking to buy a home in St. George, use these tips to save for your down payment.

Create a Budget

The first step to saving for a down payment is controlling how much you spend and save. The only effective way to do this is through budgeting. Budgeting software like Mint.com can help you track money more effectively and reach your ultimate goal of downpayment.

Look for Ways to Save

As you start to create your budget, you may realize you are

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According to a recent report by CNN, 21% of all real estate purchases last year were vacation homes. This is up 57%  from 2013, and the highest rate since 2003. While this is a great sign for the American economy overall, it is an especially good thing for St. George. Washington County is a popular vacation home destination, giving visitors from up north a break from the snow in the winter and plenty to do during summer. If you are one of those interested in buying a vacation home in St. George, use these tips to make the best purchasing decision.

Manage Expenses

Are the expenses worth the investment? While you probably won’t use your vacation home as much, expenses can still  stack up, especially if you hope to rent it out and need to pay for

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Buying a home can feel like an overwhelming transaction. Luckily, your St. George real estate agent is here to help! Here is a step-by-step guide to purchasing your next home.

  1. Research

There are several aspects of your next home to research before you even start looking. You need to figure out where your credit score is at, and what your budget looks like. You also need to research possible locations, school districts, and neighborhoods to decide where you want your family to settle. You need to decide what you need in a home, and what you’re willing to compromise on. Answer these basic questions before you do anything else.

  1. Get Pre-Approved for a Mortgage

Once you have figured out your budget and determined you have an

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With real estate prices, trends and laws constantly in the news, there is a lot of misinformation floating around. Real estate myths spread like wildfire and not doing your proper homework could cost you. Here are six real estate myths to clear up.

Selling a Home Yourself Saves You Money

Some people might think that they can save money by selling a home themselves and saving on a real estate agent’s commission. As shown in another blog post, this is not the case. Sellers who use a real estate agent almost always make more money than those who try to go it alone. Even after paying a real estate agent’s commision, you are still more likely to walk away with more money.

When Selling, You Don’t need to Stage Your Home

You may think it’s enough

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New technology and internet companies are quickly taking the place of everyday services. Hotels, taxis, and car dealers have to compete with sites such as Airbnb and Uber. Can real estate agents also be replaced by the latest app or website? Does the internet make it easy enough to sell and buy a home without representation? Not necessarily. In fact, trying to go it alone can cost you a lot of money and add unnecessary work and stress to your real estate transaction. Here are reasons why you should still work with a real estate agent.

Knowledge of the Area

A quick Google search may make you feel like you know all the real estate options in St. George, but this is never the case. New homes are going onsale all the time, and people who try to look

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A home inspection is an important part of any real estate transaction. Buyers should schedule home inspection to make sure there aren’t any unseen problems in a home. Sellers should enlist a home inspection so they can make any necessary repairs before placing the home on the market, therefore increasing your home’s value. Here are some things both parties should know about home inspections.

Home Inspectors Should Not Do Repairs

The American Society of Home Inspectors does not allow home inspectors to perform repair work. If your inspection turns up a problem with the home, you should hire a repair specialist. They will be able to give you the best possible service. Home inspectors may feel more inclined to find things “wrong” if they know they

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Fannie Mae and Freddie Mac are the biggest mortgage banks in the country. During the recession, the United State’s government backed the two banks with the understanding that Fannie and Freddie would tighten up on regulations, which was discussed in a recent blog post. Since things are getting better, these tightened regulations may be loosening up.

Down Payment Changes

One of the changes to this plan includes giving home loans with a lower down payment. Recently, banks have only been allowed to offer loans to people who could pay at least 5% down payment. Oftentimes, individual banks required that percentage be closer to 20%. Now, two new programs will offer loans with a lower 3% down payment requirement. Fannie’s program is called My Community

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If you haven’t applied for a home loan in the last few years, things may be a little different. The financial crisis and burst housing bubble caused the Consumer Financial Protection Bureau (CFPB) to create new housing rules for borrowers and lenders. These rules won’t necessarily make loan approval more difficult, but knowing what to expect before you shop is a good idea. Here are the basics of the new rules.

Ability to Pay

The new rule is sometimes referred to as the “Ability to Pay.” Mainly, this law forces people to prove they can pay for a new home. Instead of just writing down annual salaries, which was sometimes acceptable before, borrowers have to show a proof of income. For those working regular jobs with a weekly or bi-weekly paycheck,

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A real estate transaction is one of the most important life and business decisions you will probably ever make. Even so, the process is often foreign to people, especially first time home buyers. The proper etiquette - how to dress, act, and behave - is important to keep in mind when viewing and selling homes. Here are some tips for how to present yourself during a real estate transaction.

Buyers

  1. First Impressions

Whenever you look at a house, put your best, most friendly foot forward. There’s a chance you may never meet the current homeowners. Just in case you do, looking nice isn’t a bad idea.They inevitably will picture you in their home, with their neighbors, meeting their friends. Do what you can to show that you would be a great person

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