Category Archives: Real Estate

Couple looking at the house

Elements that Make Utah a Good Place for Your Family

Couple looking at the houseWhen you’re thinking about your family, you’re thinking about something permanent. You don’t want to be moving around with them if it can be helped. This means it’s important to think about where you’ll plant your family’s roots.

Salt Lake City is one place to consider. Here are three things that make this place in Utah a viable option for your family:

Good Mortgage Rates

Rates are variable all around the United States, with some cities being more expensive than others in terms of home purchase. City Creek Mortgage in Salt Lake City gives you the opportunity to own a property with the best mortgage rate your money can afford. They consider your finances, just like everywhere else, but the properties available within your budget are more than adequate for your family’s needs.

Good Business Opportunities

What would you do with a house if you can’t get employed? In Salt Lake City, whether you’re looking for a job or planning to start a business, you have a good place to get your bearings. Salt Lake City has been named one of the places where young professionals thrive, and that means opportunities to be part of a business that’s fun, dynamic, and unique. With an average rent of $840, you’ll comfortably afford to live in Salt Lake City. Just think of how much better your life will be after you finish paying for your own home’s mortgage.

Good Entertainment Options

Utah is a state that’s not just for work. Here, residents play hard, too. For instance, in Salt Lake City, there is the Salt Lake Comic Con that brings together a great number of comic book fans, sharing their interests and talking with some of the best artists in the genre. Other activities are also scheduled throughout the year, giving residents plenty of opportunities to unwind.

Choosing a home is not just about finding the most affordable house. It’s also about looking at what the city has to offer.

3 Do-it-yourself Plumbing Disasters

Homeowner plumbing the toiletWith so many guides on how to tackle plumbing issues, you probably think you could handle some simple problems. These simple repairs might turn into complications that could bring your daily activities to a halt. Below are some of the common mistakes homeowners make.

Mismatching

It is common that when you are handling your plumbing you go out to purchase a pipe and at home, you find out if just does not fit right. Instead of returning the item, you use it as it is anyway. The problem begins when you connect the pipe to the wrong fixture, which could lead to quick corrosion that could cost you more in the end.

Missing tools

Say you want to install a new fixture after purchase and then you find out that you do not have the right tools to install the fixture. An example is installing a new toilet. You might lack not have Tekton wrenches to tighten all the bolts that are not sitting straight. Though you might not notice anything on the first day, in the eve of changing seasons you will start experiencing leaks and funny smells.

Not knowing how it goes back together

When homeowners have a problem, they start taking things apart without noting where each item should go. And when they start putting it back together, they realized the mess that have just made and become frustrated. This would never have happened if they sought out Maine's humble professional plumbing services. An expert will have it handled swiftly and efficiently, and you will be free of such problems in the future.

There are many other problems even worse that could happen if you decide to fix your own plumbing without even basic knowledge. While fixing it yourself makes you familiar with your own home, you need someone else, whether a professional or a friend, to guide you in the process.

Five Steps to Reduce Your Risk From Falling

Man talking to the doctor regarding his broken footOne in every three American elders falls every year. Falls are the most leading cause of both fatal and nonfatal injuries for adults over 65 years. Falls can result in broken bones, head trauma, and hip fractures, which can lead to an elder's loss of independence and increased risk of depression and death.

According to experts from Heavenly Walk In Tubs, a safe bathing environment for the elderly that includes an accessible bathtub, hand bars, and non-slip floors are assured to reduce the risk of falls. However, falls can be prevented. Here are four ways to reduce your risk from falls.

Check with your doctor

You and your loved one's current health condition and medications may cause a fall. Some disorders and supplements may increase your fall risk. Discussing these things with your doctors can help reduce your fall risk and even evaluate your muscle strength and balance.

Exercise

Staying fit can help in fall prevention. Walking, tai chi or gentle exercises can reduce the risk by improving your strength, coordination, and balance. You may also have a physical therapist to monitor and create a custom exercise for you.

Wear the right shoes

Changing your shoes and your older loved one's shoes can reduce the risk of falling. Wearing properly fitted, sturdy, nonskid shoes can help you comfortably walk without tripping.

Ensure a Safer Home

Secure loose rugs, move tables and racks to a safe location, remove boxes, electrical and phone cords from walkways, repair broken floorboards, clean spilled liquids, and store necessities within reach. Use nonslip bath mats to the bathroom and handrails to reduce slipping, especially for the elders. Also make sure that your house is well lit, especially during the night to avoid accidental tripping.

Safety is Key

Although accidental falling is inevitable, there are ways to prevent them. Reduce the risk by keeping your home safe from obstacles and your body free from possible health conditions.

Five Steps to Reduce Your Risk From Falling

Man talking to the doctor regarding his broken footOne in every three American elders falls every year. Falls are the most leading cause of both fatal and nonfatal injuries for adults over 65 years. Falls can result in broken bones, head trauma, and hip fractures, which can lead to an elder's loss of independence and increased risk of depression and death.

According to experts from Heavenly Walk In Tubs, a safe bathing environment for the elderly that includes an accessible bathtub, hand bars, and non-slip floors are assured to reduce the risk of falls. However, falls can be prevented. Here are four ways to reduce your risk from falls.

Check with your doctor

You and your loved one's current health condition and medications may cause a fall. Some disorders and supplements may increase your fall risk. Discussing these things with your doctors can help reduce your fall risk and even evaluate your muscle strength and balance.

Exercise

Staying fit can help in fall prevention. Walking, tai chi or gentle exercises can reduce the risk by improving your strength, coordination, and balance. You may also have a physical therapist to monitor and create a custom exercise for you.

Wear the right shoes

Changing your shoes and your older loved one's shoes can reduce the risk of falling. Wearing properly fitted, sturdy, nonskid shoes can help you comfortably walk without tripping.

Ensure a Safer Home

Secure loose rugs, move tables and racks to a safe location, remove boxes, electrical and phone cords from walkways, repair broken floorboards, clean spilled liquids, and store necessities within reach. Use nonslip bath mats to the bathroom and handrails to reduce slipping, especially for the elders. Also make sure that your house is well lit, especially during the night to avoid accidental tripping.

Safety is Key

Although accidental falling is inevitable, there are ways to prevent them. Reduce the risk by keeping your home safe from obstacles and your body free from possible health conditions.

Four Clever Tips to Prolong the Life of Your Roof

A man fixing a roofEven though your rooftop is several years old, there are ways for you to keep it in good condition. With simple maintenance of your roof, you can extend its life and avoid more costly repairs down the road.

Here are some useful tips to keep your roof in the best possible shape for many years.

Install new gutters

Gutters act as the drainage system in your household as it keeps water from accumulating on the roof. A clogged or damaged gutter, on the other hand, can damage your roof sheathing and cause it to rot. By having a new gutter installed, you can reduce the potential risk of water damage to your roof.

Keep an eye on roof debris

Make is a point to check your rooftop occasionally, in case leaves or pine needles are already piling up. Roof debris can clog your gutter which could, in turn, lead to roof damage and water problems. Whenever possible, trim back those tree limbs that might be rubbing against the roof and clean out leaves that have already stacked on your roof.

Get rid of ice dams

If you want to prevent household leaks, it is advisable to clean out the ice buildup on your roof caused by a storm. Additionally, it is also important that you address other issues in the household, such as inadequate insulation, as this could also cause an ice dam.

Get rid of moss

Moss may give your house a rustic or natural look in photos, but it may damage your roof when present in large amounts. Moreover, moss can grow between and under the shingles and this, in turn, may compromise the integrity of your roof. To avoid the buildup of moss on your property, clean your roof on a regular basis, remove leaves, and trim any overhanging branches.

As a homeowner, taking care of your property is key. Following the above-mentioned tips can help you make your roof last longer.

Transportable Homes: Travel in Your House

Trailer on the roadAre you fond of travelling or do you have a job that requires you to move now and then? As a homeowner, leaving your home can get quite stressful; so why not consider getting yourself a transportable cabin?

In a Nutshell: What is a Transportable Cabin?

Transportable cabins or transportable buildings are modular homes built on a chassis for easy relocation. The experts at Classic Cabins say that this kind of home is popular among those who are on a tight budget, are first-time buyers, or have plans to travel. You should consider the following factors if you are planning to buy one.

Cost-effective

They construct modular houses off-site in a factory and in bulk, so the construction materials are a lot cheaper. This translates into a more affordable home for you. Another key benefit worth mentioning is that during the building process, they test all the electrical wiring and plumbing, so this also saves you the extra cost and effort in connecting the power, water, gas, and plumbing lines.

Eco-Friendly

Transportable homes make use of less energy to construct. So when you relocate, you don’t need to go through the whole building process again. This greatly reduces wasted energy and your carbon footprint.

Portable

When homeowners get too attached to their house, moving to another area sometime in the future may present a problem. If you have a portable home,  you can take it anywhere with you.

Craftsmanship and Materials are of the Best Quality

The construction of portable homes takes place in a factory with very tight supervision; hence, you can rest assured that they assemble the cabin with materials and craftsmanship of the highest quality. Portable homes are very strong, even stronger than a standard home because it needs to withstand the forces of constant movement and travel.

Fast Construction

Construction of standard homes can take up to a few months to complete, depending on the size and complexity of the design. Modular home companies can construct these cabins in a short period. In fact, they can deliver and assemble it in just a few days.

Easy to Move Anywhere

If ten years from now you decide you want to live in another state or territory, moving is so much easier. You don’t need to buy or build a new home. You can just simply bring with you the home you’ve grown to love.

A transportable cabin or home gives you a beautiful, durable, and quality house—for a lower cost and a shorter construction period.  You also don’t have to part with it when you eventually move to another state. For many people who love to be on the move, a transportable cabin is the answer.

Pool Choices: Fiberglass, Vinyl or Concrete?

Does having a pool increase your home value? The answer to the question is Pool Construction in Perthaffected by many factors such as home location, climate and market demand. However, one thing remains the same. Having a swimming pool in your home is an investment.

Aside from canvassing the price of pool construction in Perth, Guardian Industries shares that one important thing you need to decide on is the material you would use to construct your pool. Below are three of the most common pool construction materials: fibreglass, vinyl, and concrete. A brief description of each can help you decide which is best for your home. 

Fibreglass Pool 

Fibreglass is known for its convenient and fast installation procedure. They are pre-moulded in various shapes and sizes. Because it is pre-moulded, no framing is required. The process is as easy as digging a hole, installing the plumbing system, then laying down the sand base, followed by lowering the fibreglass. The whole construction process takes 3-4 weeks. Fibreglass is easier to maintain and has better temperature retention and energy efficiency. 

Vinyl Pool 

Vinyl is the most affordable material. They don’t need to be pre-fabricated making it a common choice for people who want to customise their pool specification. Frames of a vinyl pool are made of galvanised steel and require regular busy east maintenance. Vinyl is designed to stand against harsh climates and earthquakes. It is also lesser prone to cracking due to outside force or changes in temperature. 

Concrete Pool 

Concrete has been the traditional way of building pools but is slowly being faced out because of the amount of time and load of work it takes to create a pool. However, concrete pools are still known to be reliable. It requires resurfacing every 10 years or so to maintain its quality.

Have you chosen which pool material is best suited for your home? 

 

Pool Choices: Fiberglass, Vinyl or Concrete?

Does having a pool increase your home value? The answer to the question is Pool Construction in Perthaffected by many factors such as home location, climate and market demand. However, one thing remains the same. Having a swimming pool in your home is an investment.

Aside from canvassing the price of pool construction in Perth, Guardian Industries shares that one important thing you need to decide on is the material you would use to construct your pool. Below are three of the most common pool construction materials: fibreglass, vinyl, and concrete. A brief description of each can help you decide which is best for your home. 

Fiberglass Pool 

Fibreglass is known for its convenient and fast installation procedure. They are pre-moulded in various shapes and sizes. Because it is pre-moulded, no framing is required. The process is as easy as digging a hole, installing the plumbing system, then laying down the sand base, followed by lowering the fibreglass. The whole construction process takes 3-4 weeks. Fibreglass is easier to maintain and has better temperature retention and energy efficiency. 

Vinyl Pool 

Vinyl is the most affordable material. They don’t need to be pre-fabricated making it a common choice for people who want to customise their pool specification. Frames of a vinyl pool are made of galvanised steel and require regular busy east maintenance. Vinyl is designed to stand against harsh climates and earthquakes. It is also lesser prone to cracking due to outside force or changes in temperature. 

Concrete Pool 

Concrete has been the traditional way of building pools but is slowly being faced out because of the amount of time and load of work it takes to create a pool. However, concrete pools are still known to be reliable. It requires resurfacing every 10 years or so to maintain its quality.

Have you chosen which pool material is best suited for your home? 

 

Can You Get a Home Loan after a Foreclosure?

Mortgage Application If you previously had a foreclosure, it is normal to think that getting a mortgage is impossible. While it is difficult, this doesn’t mean that you can never become a homeowner. The truth is, you can still qualify for a home, but this will depend on the situation of your foreclosure and how you’ve rebuilt your credit after the unfortunate event.

Know the Waiting Period

Experts from Primary Residential Mortgage, Inc. note that the waiting period when applying after a foreclosure varies in every mortgage program. Generally, however, you will need to wait for seven years for a conventional loan. For other mortgages like the Federal Housing Administration (FHA), the waiting period takes three years.

Show that You’ve Bounced Back

The good news is you can speed up the process or shorten the waiting period if you can show that the foreclosure was due to a financial difficulty from which you have fully recovered. This may be due to divorce, health problems, or business issues. Saying that you now learned to overcome your extreme shopping habits may not be a valid reason.

Documentation and Letter

You will need to provide documentation and write an explanation letter. This doesn’t need to be long, and be sure not to make excuses about the foreclosure. It is better to focus on the recovery from the event. It is also important to know that every lender deals with the situation of foreclosure differently. Some may give you a loan, while others will not.

Fixing Your Credit

You can show that recovered from a financial hardship by rebuilding your credit. This means paying bills on time, keeping low balances on credit cards, and avoiding high-interest debts. You should also constantly check your credit report to make sure that there are no discrepancies that could hurt your chances of getting a loan.

It is possible to get a loan after the completion of the foreclosure. Just be sure to do everything you can show that you’ve bounced back with a good credit score. You should also document anything related to your foreclosure, as lenders will require this for verification purposes. Getting the help of a reliable mortgage adviser is also beneficial.

Refinancing: Resetting Your Mortgage Package to Your Advantage

mortgage industry in Salt Lake City
Paying your mortgage seems like a gargantuan task but there are ways of making them easier. One of them is refinancing your mortgage, or taking on another loan to pay for the one that you already have. It may seem counterproductive to do it, but it can work to your advantage. Here are more good reasons to refinance your mortgage.

It Lowers Interest Rates

Refinancing your mortgage is pretty much like applying for a mortgage all over again, except that you have already bought your house and have partially paid for it. Since it’s technically a new loan, look for lower interest rates to save more on your total payable amount. If you have a good payment record, you have a bigger chance at getting lower interest rates upon refinancing.

Change Interest Packages

With refinancing, you can also change the kind of interest rates that you have. Change from an adjustable rate to a fixed rate to prevent worrying over rising interest rates. You can also opt to change from a fixed rate to an adjustable rate to try and get lower rates. It will still depend on your preferences but do ask your refinancing adviser for the best options.

Shorten the Term

Mortgages that take a long time to pay have relatively low-interest rates and lower monthly payments. Some Salt Lake City homeowners, however, decide that they would rather have a shorter loan term in exchange for a higher interest rate because it reduces the mortgage package’s total overall amount. When refinancing, ask for a shorter loan term that offers minimum changes to your monthly payment.

In general, the main benefit of refinancing your mortgage in Salt Lake City is the ability to change it to include more favorable terms. Whether it’s a change in the interest rate, the kind of interest, the length of your loan term, or even the amount of payment you can practically benefit from all changes if you plan it out properly. As a rule, do refer to a professional mortgage adviser if you do plan to take this route.