Category Archives: Buyers

Browse all real estate buyer related blog posts.

ALTA HOMEOWNER’S TITLE INSURANCE

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ALTA (American Land Title Association). OWNER’S POLICY VS. HOMEOWNER’S POLICY

There are two types of owner’s title insurance policies certified by the American Land Title Association.The Owner’s policy and the Homeowner’s policy.

The Owner’s policy protects you from defects and liens in the history of your title through the date and time your deed is recorded in the public records…courthouse.

The Homeowner’s policy takes your (the buyer) protection to a higher level by providing coverage for many additional risks. Your ALTA Homeowner’s title insurance policy also protects against many common frustrating problems, and protects your investment for as long as you or your heirs own the property. There is more information so feel free to contact me with any questions about our St George Utah real estate market.

Call me today so I can give you a private tour and show you the inside of all the homes for sale that meet your criteria in Washington County in less than two hours! I can show you any home for sale in the St George area listed by any company anywhere in the city. Then you don’t have to keep searching for open houses on the weekend. We can go anytime you want. Let’s get you out there.

Please interview me for the job of finding you your dream home in St. George and Southern Utah. Remember I want to earn your business. My expertise and experience come at no charge to you. Let my team of professionals make this the best real estate experience ever. Contact me now for all your St. George and Southern Utah real estate needs.

St George Utah VROB

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Hey guys quick blog on something that has gone crazy around here is the St George real estate market! It is known as VROB, Vacation Rental By Owner, nightly or short term rentals for sale in St George Utah and all of Washington County. Check this out VROB page. You will find all the VRLOB real estate for sale in the St ?george area right here. This is a red hot commodity right now and if someone isn’t careful they could get stuck with a red herring, so to speak. Right now the City of Hurricane is claiming a 5 year wait for nightly rental approval in non designated areas. You will need neighbors blessings as well as several other things. And the rules change if you live in the home and do VROB! We currently have more designated nightly and vacation rentals in . the area than ever before. however that is not enough. We have a surplus of visitors and not enough lodging….That is why you see so many hotels springing up everywhere in the county.  The City of Washington Utah says they have not been able to get one neighbor to agree to a nightly rental in any neighborhood! I can help you make this work if you are serious about a St /george VROB, nightly rental or vacation rental for sale.

Call me today so I can give you a private tour and show you the inside of all the homes for sale that meet your criteria in Washington County in less than two hours! I can show you any home for sale in the St George area listed by any company anywhere in the city. Then you don’t have to keep searching for open houses on the weekend. We can go anytime you want. Let’s get you out there.

Please interview me for the job of finding you your dream home in St. George and Southern Utah. Remember I want to earn your business. My expertise and experience come at no charge to you. Let my team of professionals make this the best real estate experience ever. Contact me now for all your St. George and Southern Utah real estate needs.

Contact me and I can help get you fully qualified with a local mortgage lender because when you find that perfect home in southern Utah you will want to be ready to write the offer on your new home. You do not want to lose your dream home because someone had a strong qualification letter from their lender showing that they are capable of purchasing the home. Contact me and I can help direct you to the lender that will do the best job for your particular situation.

St George real estate Seller’s Market?

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I hope to shout we are! The only thing keeping us from exploding are the lessons learned from the last St George Utah real estate boom.  I have to share an interesting email from a potential real estate investor. He wanted to look at only foreclosure fixer upper St George real estate.  I said a unicorn would be easier to find…we had three foreclosures on our MLS two days ago! The good news you won’t have to pay more than appraised value and the positive appreciation means you start building equity immediately. On some some 4 to 6 month out new construction build jobs in St George your home really gains value in the short time it takes to complete the build and you move in. You paid  six months earlier values!! A good Realtor will help you maximize your buying power even in a sellers market. A buyer will be up against multiple offer and final and best scenarios. You can keep that to a minimum with a great Realtor in your corner.

With all that being said I have managed to get some clients into homes with closing costs paid including getting their earnest money back! If you are patient there are possibilities.

Call me today so I can give you a private tour and show you the inside of all the homes for sale that meet your criteria in Washington County in less than two hours! I can show you any home for sale in the St George area listed by any company anywhere in the city. Then you don’t have to keep searching for open houses on the weekend. We can go anytime you want. Let’s get you out there.

Contact me and I can help get you fully qualified because when you find that perfect home in southern Utah you will want to be ready to write the offer on your new home. You do not want to lose your dream home because someone had a strong qualification letter from their lender showing that they are capable of purchasing the home. Contact me and I can help direct you to the lender that will do the best job for your particular situation.

Difference in Mortgage Lenders

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If you think all St George mortgage lenders are close to the same take a minute and read my post and you may be surprised. It has literally taken my years to find a lender or a small handful of lenders here in Southern Utah that are truly capable of getting the job done. On top of the basic ability and skill sets to get the job done there is this little known factor of overlays. Yes overlays. An overlay can and quite frequently keeps St George home buyers from buying a home or makers in difficult to impossible to obtain the loan. This leads to a major disappointment for all parties.
A great Realtor can and will make sure you are aided by competent St George mortgage lender with a proven track record of accomplishing the task.

So what is an overlay you ask? Well here is a simple definition…One important concept you should familiarize yourself with is the “lender overlay,” which is essentially an expanded guideline (or set of guidelines) on top of what Fannie Mae, Freddie Mac, or the FHA/VA will allow.” There are literally hundreds of overlays required by individual banks and lenders throughout the country. I have listed a ew examples right here.

They range from credit score (most common), to max loan-to-value, to max debt-to-income ratio, and much more. For instance, a streamline refinance may have no appraisal or credit score requirement, but a specific lender may want a certain minimum score and an appraisal. Additionally, the guidelines may indicate that you can get a new mortgage just days after a short sale if you remained current on payments, but most lenders will impose overlays to deny you.Lenders may also restrict the type of loan you can select, such as an adjustable-rate mortgage in certain situations.And even those nifty solar panels on the roof could present a problem if the lender doesn’t want to deal with the associated solar panel lease.In every situation, the lender is looking to mitigate risk to ensure loan quality is upheld and maintained.

So why would you want to go through a southern Utah mortgage lender that wants to burden you with unnecessary add ons? You don’t want that…do you? the great news is I can be your advocate and help eliminate most of the risks.

Call me today so I can give you a private tour and show you the inside of all the homes for sale that meet your criteria in Washington County in less than two hours! I can show you any home for sale in the St George area listed by any company anywhere in the city. Then you don’t have to keep searching for open houses on the weekend. We can go anytime you want. Let’s get you out there.

Contact me and I can help get you fully qualified because when you find that perfect home in southern Utah you will want to be ready to write the offer on your new home. You do not want to lose your dream home because someone had a strong qualification letter from their lender showing that they are capable of purchasing the home. Contact me and I can help direct you to the lender that will do the best job for your particular situation.

Showing Homes in St George Utah-What really happens

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Have you ever wondered what goes on when you contact a St George Realtor and want to look at homes. Well I have some answers and you may be surprised. First off your Realtor will ask you questions about your wants and needs and then a great Realtor will make sure you can actually pull the trigger once a home is identified. As your Realtor I go right to work to make sure the best use of your time and my time is maximized. I start by narrowing the search! Then I may even do a drive by or preview the homes before I waste any of your time. I want to make sure we hit the nail on the head. I may take hours calling agents and homeowners to set, coordinate, and schedule appointments. In almost all cases homeowners will need to make sure their home is presentable and in great showing condition. Then they must vacate the home to allow the potential buyer the freedom to examine the home with no pressure. In some instances when a seller has a family they will need to pack the kids and leave for an hour or so. I am sure you can appreciate the energy and time spent by all up to this point. I may ask you questions about each home to prepare to give feedback to the homeowners or sellers agent. Depending on my buyers requirements it may take hours of searching and many miles of driving to make sure a outstanding job is done. As a Realtor I need to make sure for everyones benefit that my clients/buyers are fully qualified and ready to make the move! As a realtor I can safely say we spend hours behind the scenes before offers are written, prices are negotiated and you take ownership of your new home.  Another important step is getting the agency agreement signed allowing your Realtor to represent and act as your advocate. As your St George Realtor I need to know before I  share my years of experience, skills and spend hours setting appointments, driving around and screening homes that my time is also spent wisely. It’s not uncommon for your Realtor to spend hundreds of dollars in fuel and vehicle maintenance with one client. So please understand it is important for us to work as team to make sure that this is all possible. I promise you will be glad I do ask questions yourself.  ask the questions when I ask them. And please never hesitate to. Keeps disappointment to a minimum. I have great lenders that can help you and I hit the bulls eye! So to access my years of experience, skill sets and training I will ask you to sign a buyers agency agreement before we look at any homes for sale in St George Utah. So take advantage of my experience and let’s get signed up and start looking! You will be glad you did!!! Allow me to earn your business.

Thank you so much and have a great day!

Walter

Craftsman Style Homes for Sale

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Craftsman style homes for sale in St George Utah can be hard to find under normal search parameters. That’s where I come in to the rescue. I have access to that information and where to find them. They are available, just need to dig them out. Craftsman style homes have not been in high demand here in the St George area. However it seems they are gaining popularity and builders have elevations that cover the craftsman style home.

There are some fantastic floor plans and elevations as well as locations to build your St George craftsman style home. I look forward to helping you make the best the use of your time and money! Well to southern Utah…come and take a look at what we have to offer. You will not be disappointed in our awesome southern Utah lifestyle!

Call me today so I can give you a private tour and show you the inside of all the homes for sale that meet your criteria in Washington County in less than two hours! I can show you any home for sale in the St George area listed by any company anywhere in the city. Then you don’t have to keep searching for open houses on the weekend. We can go anytime you want. Let’s get you out there.

Contact me and I can help get you fully qualified because when you find that perfect home in southern Utah you will want to be ready to write the offer on your new home. You do not want to lose your dream home because someone had a strong qualification letter from their lender showing that they are capable of purchasing the home. Contact me and I can help direct you to the lender that will do the best job for your particular situation.

USDA LOANS in Washington County and the St George area

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A USDA loan is a great loan. It is a fantastic opportunity to purchase a home with easy terms! There are more than one type of USDA loans and my preferred lender will be happy to go over all the details. Because things are ever changing in the government loan business staying up to date is critical. The RED HOT news today is the USDA loan “funding fee” will be reduced from 2.75% to a awesome low of ONE PERCENT! October baby! Try to make that happen folks…lets get you a USDA qualified home, especially in Hurricane City, and if you hurry I can get you two thousand dollars from Hurricane City under the right conditions. I’ve done it!

Call me today so I can give you a private tour and show you the inside of all the homes for sale that meet your criteria in Washington County in less than two hours! I can show you any home for sale in the St George area listed by any company anywhere in the city. Then you don’t have to keep searching for open houses on the weekend. We can go anytime you want. Let’s get you out there.

Contact me and I can help get you fully qualified because when you find that perfect home in southern Utah you will want to be ready to write the offer on your new home. You do not want to lose your dream home because someone had a strong qualification letter from their lender showing that they are capable of purchasing the home. Contact me and I can help direct you to the lender that will do the best job for your particular situation.

Hiking in southern Utah

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Thanks for checking in on my St George Utah real estate blog. My goal is to share valuable information about southern Utah real estate AND our southern Utah lifestyle! The information I’m sharing today relates to some of the less know hikes in and around southern Utah. I typically take the road less traveled. I love exploring that in itself and has led to some awesome adventures and finds. I am in the process of starting a guide business for affordable and unique hiking in our zone. I will be focusing on the less known and less traveled areas. I post most of my hikes on my youtube channel. Just click on  the link in the upper right of this page!Most of my hikes got deleted accidentally by Google…so I am starting over. If you are heading to southern utah and you want to save some time and see some of our more unique and in some cases world famous sites I want to be the person that helps you get there and more importantly back! I can help you find the perfect home and negotiate you the very best price and share a glorious day of unique hiking and exploring. There is a lot to do down here and I can’t wait to help you find your adventure! Everything from a B52 crash site to ancient dinosaur tracks. Ancient indian petroglyphs and pictographs, as well as home sites. Ols western trails that date back to the late 1700’s! Movie sets and aviation arrows…Mormon history combined with the wild west make our area very unique. If you like canoes and kayaks we are in a great location to get some great river time. In some pristine areas I might add! So get your southern Utah adventure game face on and let’s go have some fun! With over 300 days of golden sunshine there’s no waiting! So if you like what you see on my youtube channel and are ready for some great hiking reach out and I’ll be ready…always ready for a great adventure!

How does your St George Realtor get paid?

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I have come to realize that most folks really don’t understand how a St george Realtor makes a living. Well first of all 99.9% of us don’t make a dime unless we sell real estate. Helping people is something we love to do. Surviving is something else your St George Realtor needs to do! Don’t be offended if your southern Utah Realtor has questions and procedures for you to follow. We understand Rome wasn’t built in a day. I have clients i have been working with for over three years! Continue reading →