Belief In Homeownership As An Investment Is Far From Dead


Following last year’s real estate market was like riding a rollercoaster. The market started off strong in 2018 and then softened before finishing with a mild flurry. However, one thing that did not waiver was America’s belief that owning a home makes sense from a financial standpoint.

An end-of-the-year survey by the Federal Reserve Bank’s Center for Microeconomic Data revealed that:

“The majority of households continue to view housing as a good financial investment.”

And that percentage has increased over the last three years.


Bottom Line

Though there is some uncertainty as to how the real estate market will perform over the next twelve months, one thing remains very certain: America’s belief in homeownership.


Source: Keeping Current Matters

Where Are Interest Rates Headed in 2019?


The interest rate you pay on your home mortgage has a direct impact on your monthly payment. The higher the rate, the greater the payment will be. That is why it is important to know where rates are headed when deciding to start your home search.

Below is a chart created using Freddie Mac’s U.S. Economic & Housing Marketing Outlook. As you can see, interest rates are projected to increase steadily throughout 2019.


How Will This Impact Your Mortgage Payment?

Depending on the amount of the loan that you secure, a half of a percent (.5%) increase in interest rate can increase your monthly mortgage payment significantly. But don’t let the prediction that rates will increase stop you from purchasing your dream home this year!

Let’s take a look at a historical view of interest rates over the last 45 years.


Bottom Line

Be thankful that you can still get a better interest rate than your older brother or sister did ten years ago, a lower rate than your parents did twenty years ago, and a better rate than your grandparents did forty years ago.


Source: Keeping Current Matters

7 Reasons to List Your House For Sale This Holiday Season


Every year at this time there are many homeowners who decide to wait until after the holidays to list their homes for the first time, while others who already have their homes on the market decide to take them off until after the holidays.

Here are seven great reasons not to wait:

  1. Relocation buyers are out there. Many companies are still hiring throughout the holidays and need their new employees in their new positions as soon as possible.
  2. Purchasers who are looking for homes during the holidays are serious buyers and are ready to buy now.
  3. You can restrict the showings on your home to the times you want it shown. You will remain in control.
  4. Homes show better when decorated for the holidays.
  5. There is minimal competition for you as a seller right now. Inventory of homes for sale traditionally slows in the late fall, early winter. Let’s take a look at listing inventory as compared to the same time last year:


  1. The desire to own a home doesn’t stop when the holidays come. Buyers who were unable to find their dream homes during the busy spring and summer months are still searching!
  2. The supply of listings increases substantially after the holidays. Also, in many parts of the country, new construction will continue to surge and reach new heights which will lessen the demand for your house in 2019.

Bottom Line 

Waiting until after the holidays to sell your home probably doesn’t make sense.

Halloween Activities Around Davis County

Davis County is a home to many different activities and Halloween is not an exception. Come October 31, there are many activities to enjoy around Davis County. Some of them are discussed below.

1.     Black Island Farmsneonbrand-432977-unsplash

The Black Island Farms is believed to have the largest corn maze in Utah. This family farm in Syracuse boasts of 26 acres of multiple mazes of different varieties. Your kids will love the cow train, corn box, slides, pig races, and lots more in the Courtyard. Nevertheless, you shouldn’t forget the pumpkin patch.

2.     Cherry Hill

Perhaps, the Cherry Hill promises to turn into Scary Hill this Halloween period. Enjoy unlimited Bonne Yard Tractor Rides, Scary Hill Miniature, Junior Jungle Boats, Hamster Haven, Spooky Maze, Spider Aeroball, Battlestar Blasters, Rock Wall, and Bug Bounce House with a single affordable ticket.

3.     Lagoon

The lagoon is Utah’s biggest amusement park. This park is set to assume a new dimension this October with Frightmares. Catch up with your favorite ride events, plus different kinds of haunted experiences including the less scary to absolutely scary ones.

4.     Red Butte Garden

The Red Butte Garden also offers exciting activities in October, especially for Halloween. The garden hosts a whimsical nighttime event featuring games, sports, and light displays. You all allowed to wear your costume and you can also learn new things about the natural world also.

5.     Snowbird

Snowbird hosts a famous family event, know as Oktoberfest. This event has been in their tradition since 1973 and remains one of the largest festivals in Utah. Enjoy some German food and drink while you are there and try the alpine slide or take the tram up to the peak of the mountain.

6.     This is the Place Heritage Park

This is the Place Heritage Park is a wonderful family destination all year round. This Park has selected October, being the season of Halloween, as the month of extra fun. If you have kids, you may want to dress them in costumes for trick-or-treating, riding ponies, and listening to the Storytelling Witch.

7.     Utah Cultural Celebration Center

Enjoy the Mexican version of Halloween at the Utah Cultural Celebration Center. The Day of the Dead especially is a celebration of culture and family. Take your family this center and enjoy the special Halloween family treat with just $5 ticket.


Living in Davis County is not an enough excuse to miss the fun and excitement of the Halloween season. There are many spots where you and your family can experience in Halloween activities in Davis County.


alberto-castillo-q-346020-unsplashThe journey of buying your own home can be both exciting and daunting. There are various salient issues that you need to address when buying your home. Most first time home buyers and even old timers make some avoidable mistakes that turn out to be unnecessarily harmful in the long run.

Let us help you in your home buying journey so that you may have a smooth ride and void these simple mistakes.


  • Review your Finances – Have a look at your credit report, most of us never do. This is absolutely necessary as you want to purchase your home because it may affect the approval of your mortgage, interest rate and other financial issues in the buying process.


  • Decide on a Budget – You need to have a budget. It is not financially wise to spend more than you can afford. Decide on a budget based on your monthly income and expenditure. Also consider your wants and needs in a house when doing your budgeting including location and type of house you want. A quick study of the real estate market is not a bad idea.


  • Save for your Down payment – If you find it difficult to save, then consider opening an automatic savings account because you must have enough cash to support your down payment, unless you have some sort of assistance. Most times, a down payment of 20% is required by lenders.
  • Pre-Qualified or Pre-Approval – You need to learn how much loan you can get before you commence the house buying. Through interviews on the buyer’s finances, the lender can make an estimate of how much the buyer can afford. This determines if you are pre-qualified. On the hand, with pre-approval, the lender will look at your down payment, check your credit report and finances, then determine a pre-approved amount.
  • Seek a Good Real Estate Agent – You should not rely on the seller’s real estate agent, choose your own agent. The seller’s agent will work in favor of the buyer and not you. Your agent will assist you to secure the best deal because he/she has better knowledge of the real estate market.
  • Search and visit Suitable properties – You probably have a location in mind and the type of home you desire to own, narrow it down and visit the ideal ones with the assistance of your real estate agent. Take your time to make the best choice.
  • Make Your Offer – Having located the property of your choice, your agent will assist you to make the right offer based on the market prices within the area.
  • Review the Contract and Secure the Mortgage. Before signing the contract, be sure to review it with your agent to ensure that everything is in order. Avoid the mistake of rushing to sign without reviewing the contents of the contract. It is then time to secure the mortgage. Without pre-qualification or pre-approval, securing the mortgage may take longer.
  • Inspection – This is another step that many people ignore. It is absolutely necessary that you invite experienced inspectors to check the entire building so you don’t end up with avoidable expenses.
  • Close – Make sure at this point that every document and deal is in order. Ask for clarification if there are any grey areas. Then go ahead to sign the papers and enjoy your new home.



Green Chili Brownies

Here are the ingredients you will need. I included a list at the bottom.

Separate your dry ingredients and wet ingredients first. Wisk separately and then again when you combine them to make sure all your ingredients are mixed properly.

I chose to roast my chilies first so they had a nice deep flavor to add to the brownies. It helped a lot! PLEASE don’t use canned chilies! Make the effort to put fresh chilies in. Anaheims are what I used and they were fantastic!

After Roasting I stuck them in a ziplock back for 5-10 minutes and let the steam do the work. I Remove them from the bag and de-seeded them and removed the membranes from inside. Many people don’t know this but the seeds have some heat to them, buts it’s really that white membrane on the inside that carries a lot of the heat in any pepper. finally, scrape the charred skin off the outside and dice your peppers small.

Add to my combined brownie mix and folded it in.

Spray your 9×9 pan with cooking spray and spread mixture evenly.

Top with powdered sugar and make it look extra mouth-watering! Want to be adventures? Add some cayenne to your powdered sugar to give it a splash red not to mention an extra kick of heat!


Green Chili Brownies

  • 1/2 cup of diced roasted Anaheim green chilis
  • 1/2 cup vegetable oil
  • 1 cup of sugar
  • 1 teaspoon vanilla
  • 2 large eggs
  • 1/4 teaspoon baking powder
  • 1/3 cup cocoa powder (I used Dark)
  • 1/4 teaspoon salt
  • 1/2 cup flour

Bake at 350 degrees for 25 minutes.

6 Tips to Selling with a Busy Schedule

The word hectic sums up life perfectly. Not only is it time for spring cleaning but you also could be juggling work, family, friends, some sort of social life and now selling a house. The best strategy for selling your house on top of everything else is to sell it as quickly as possible. Following are a few tips, tricks and life hacks to get your home sold yesterday!

1530898421Price to sell
Did you know that overpricing your home even by the slightest margins can turn off home seekers and potential buyers? Naturally, you want to make as much money as possible and listing just below fair market value is a great tactic. Instead of turning off buyers you will encourage a bidding war.

Think quality and quantity
Regarding the listing photos, both lack of quality and limited quantity can hinder the selling process. Avoid fuzzy cell phone camera photos. Professional photos will make your home stand out to potential buyers. Your home will look like it belongs in a magazine! We’d be happy to recommend professionals for all of your photography needs.

All in on the curb appeal
You have only one chance to make a lasting first impression. You will have about 30 seconds to impress potential buyers as they walk up to your house. Your curb appeal and how your home looks on the outside will set the tone for the rest of the showing. And upping the ante doesn’t have to cost an arm and a leg with this list of DIY projects under $100.

Almost nothing turns buyers off more than a messy and dirty house. Buyers believe that an unkempt house is a sign that the owners haven’t taken very good care of the home. Decluttering will make your rooms look larger and deep cleaning is sure to help you sell your home faster.

Set the stage
After you have decluttered, cleaned and re-cleaned everything, you should consider staging your home. Setting up the rooms to highlight their best features and down play any faults will attract more potential buyers to the home. This is a great list of staging ideas to get you started today!

Find the perfect agent
An agent will help you determine the fair market value and a competitive listing price for your home. Best of all, agents deal with all of the buyers. So you don’t have deal with the stress associated with interacting with those who only want to look at the property with no intention of putting in an offer, also known as kickers. We’d be happy to help you find the right agent. Contact our office today.

Summer Cleaning and Maintenance List

Summer temperatures are quickly rising well into the 90-degree range. With the holidays just around the corner, get your home up to snuff, comfortable and ready for that big family barbeque. Here is a quick cleaning and maintenance list to get your home and yard looking and feeling great for summer. After all, a clean home is a happy home!

Your home:1529596501

  • Make sure to get an air conditioning unit tune-up and replace any dusty filters.
  • Check the batteries and functionality of all smoke and carbon monoxide detectors.
  • Inspect your roof for damaged or missing shingles and leaks. Detecting a small problem now prevents a larger, leakier problem in the future.
  • Wash your windows if you haven’t already. Nothing can freshen up the outside of your home and provide great curb appeal like sparkling windows.
  • Clean out those gutters to help with the appearance and curb appeal of your home.
  • Pressure washing the exterior of your home annually is another way to show that you take pride in your home and the way it looks.
  • If you have a deck and/or porch now is a great time to inspect them for possible repairs such as replacing rotten boards and pinning down nails that stick out. They may also need polishing or a new coat of stain.
  • Don’t forget to clean and shine up the grill!

Your yard:

  • Add an additional layer of mulch to aid in weed control. Extra mulch also helps your garden retain moisture in the heat and gives your plants a chance to grow.
  • Patch any cracks and holes in the driveway. A good pressure wash also freshens up that aging driveway.
  • Primp and prune your plants especially those around the AC unit. Clear away all foliage within 18-inches of the sides of the unit and at least three feet above. The better the air circulation the more efficient your unit can provide comfortable living and savings.
  • Look for leaks from hoses, faucets and the sprinkler system. Even small leaks can add up to big costs.
  • Plan your watering schedule. An ideal watering schedule trains your plants to endure dryer days by promoting the growth of deep and strong roots. To achieve this, you can water deeply a few times a week versus lightly every day.
  • Leave the dirt outside and get two doormats for the main entry and one doormat for all other entries. Sweep out the garage consistently to avoid tracking dirt back in.

8 Considerations for Refinancing Your Home

Refinancing can be a smart, money saving move. However, this is not always the case due to the costs associated with refinancing. This means that sometimes getting a lower interest rate doesn’t necessarily save you money in the long run. Consider the following when determining if refinancing is the right move for you at this time.


  • Your Current Interest Rate

Generally, if you are in position to get a lower interest rate, looking into refinancing is worthwhile. Just make sure to consider how long it will take to recoup another round of closing costs associated with the refinance. Check out the current mortgage interest rates in Utah.

  • The Closing Costs

After deciding that you might benefit from a refinance despite the closing costs, you will want to look at and understand how you will be paying for these fees. A few of the options available are paying the fees out-of-pocket and up-front, adding the fees to the loan amount or opting for a higher interest rate to cover the fees.

  • Any Prepayment Penalties

Yes, some mortgage brokers, banks and lenders charge you for paying off your mortgage early. So if you’re lender charges a prepayment penalty you will have to the pay the penalty in order to refinance which increases the associated costs.

  • Length of Stay

The length of time you intend to stay in the home is important in terms of determining the worth of the closing costs. You will want to recoup the expenses before you move on to your next home to make refinancing worth it.

  • Your Credit Score

The better your credit score, the lower your interest rate will be. Basically, if your credit score has improved you could now qualify for a much lower rate. We advise that you check your credit report to ensure accuracy.

  • Your Debt-to-Income Ratio

Lenders usually require that your debt-to-income ratio is below 40 percent. In terms of refinancing, this is good news if you have paid off old debt or increased your income.

  • Your Current Equity

Lenders also like to see that you have built up some equity before qualifying you for a refinanced loan. In some cases, acquiring 20 percent equity saves you money by allowing you to refinance to forgo the private mortgage insurance.

  • The Term Length of Your Loan

Refinancing your loan to a 30-year mortgage over and over can be counterproductive. You never get closer to the goal of owning your home outright. Refinancing to a 15-year and even 20-year loan often offers lower interest rates and decreases the total amount of interest you pay over the length of the loan.

Pip pip, cheerio to Layton’s newest round-about!

Layton’s newest round-about is just north of the Layton Hills Mall and sits at the bottom east side of the Layton Crossing bridge. UDOT hopes to “relieve traffic congestion at the Antelope Drive and Hill Field Road interchanges, and promote economic development in Layton’s commercial area.”