It sounds crazy, doesn’t it?Negative interest rates. You put money in the bank and instead of earning interest, you have to PAY the bank for keeping your money safe! In essence, that’s what negative interest rates are. Here’s what every homeowner needs to know about so-called “negative interest rates”. If you are looking for a top-notch loan officer in Brigham City, call us at 801-510-0707.

Ok, today we are going to talk about a rather yucky but important topic -- how to prepare for a natural disaster, when it comes to your mortgage. Let’s face it: with wildfires, hurricanes, floods and tornadoes on the increase, almost all of us will be at risk some day. Talking to your insurance company in advance is essential—but don’t forget your mortgage. Here is what every homeowner needs to know about how your mortgage can be impacted by a natural disaster. If you are looking for a top-notch loan officer in Brigham City, call us at 801-510-0707.

When you buy a home, you’ll probably be asked if you’d like mortgage insurance. But if you already have life insurance, do you really need mortgage insurance too? Well, it depends. Here are some factors to consider. If you are looking for a top-notch loan officer in Brigham City, call us at 801-510-0707.

Here’s a special resource for you – or anyone you know – who is planning on moving house in the next 6 months. If you are looking for a top-notch loan officer in Brigham City, call us at 801-510-0707.

Most people have regular checkups for their health, car and investment portfolio. But when’s the last time you had a checkup for your mortgage? Here's why it's so important. If you are looking for a top-notch loan officer in Brigham City, call us at 801-510-0707.

Let’s say you’ve got a big expense coming up and need to save $1,000 in the next 30 days.While this may sound like an impossible goal, it’s not. All you have to do is put your mind to it, start immediately and adopt some of these proven money-saving tips. Here are 6 ways to help you save $1,000 in one month. If you are looking for a top-notch loan officer in Brigham City, call us at 801-510-0707.

OK, today we’re going shatter a few MONEY MYTHS. Ever since we were children, we’ve heard and repeated familiar sayings about money. One favorite of parents everywhere is, “Money doesn’t grow on trees.” But what if it turned out that most of the conventional wisdom about money wasn’t true, or at least wasn’t helpful? For instance, while it’s literally true that money doesn’t grow on trees, that saying can lead us to believe in scarcity rather than abundance—so scarcity is what we end up with! Here are 3 three other equally destructive money myths to avoid. If you are looking for a top-notch loan officer in Brigham City, call us at 801-510-0707.

Ok, today we are going to talk about how millennials are changing the real estate landscape. As millennials become the largest adult generation, it’s no surprise that they’re becoming a major force in home buying. According to Zillow, a US-based online real estate marketplace, millennials now make up 42% of all homebuyers. Here’s how millennial buyers and sellers differ from previous generations. If you are looking for a top-notch loan officer in Brigham City, call us at 801-510-0707.

Ok, today we’re going to talk about the importance of the home appraisal in nailing down a deal. In every real estate transaction, there’s the price the seller would like to receive and the price the buyer would like to pay. But there’s one other price that can overrule both those prices: the lender’s appraisal. Here are 4 ways to protect yourself from a low appraisal. If you are looking for a top-notch loan officer in Brigham City, call us at 801-510-0707.

Ok, today we are going to talk about avoiding probate conflicts by setting up a living trust. Wills and living trusts are legal documents that distribute property. Both are useful estate planning tools, but there are important differences. Here’s what every homeowner needs to know about living trusts. If you are looking for a top-notch loan officer in Brigham City, call us at 801-510-0707.

Ralph Waldo Emerson wrote that each person is compensated in like manner for that which he or she has contributed. This is often referred to as the Law of Compensation or the Law of Cause and Effect. Basically, it's saying that you get back what you give, whether that's a lot or a little. If you want to increase how much you earn, watch this video. If you are looking for a top-notch loan officer in Brigham City, call us at 801-510-0707.

Ok, today we are going to talk about how the internet has impacted home searching, buying and selling. We’re so used to shopping online, we sometimes forget how technology has transformed the home buying process. Websites, social media, mobile apps, messaging and other platforms help make shopping for and finding a home faster, easier, more efficient, and less frustrating. Here are 5 online capabilities that today’s prospective homebuyers could never live without. If you are looking for a top-notch loan officer in Brigham City, call us at 801-510-0707.

Ok, today we are going to cover 5 steps for determining how much home you can afford to buy. Buying a home involves lots of decisions…
• condo or single family?
• big or small?
• inner city or suburban?
• new or old?
But the biggest and most important decision is: how much can I afford? Here are 5 steps to figure out home much home you can afford. If you are looking for a top-notch loan officer in Brigham City, call us at 801-510-0707.

Ok, today we are going to talk about buying a home at an auction. Auctions aren’t just for rich people. When houses are sold at auction, the prices can be downright cheap. Here’s how to save BIG by buying a home at an auction. If you are looking for a top-notch loan officer in Brigham City, call us at 801-510-0707.

Ok, today we are going to talk about refinancing your mortgage and how you can speed up the process… Whether you’re refinancing to access extra cash or lock in a rate before they rise further, you want things to happen quickly. Here are 6 steps to refinancing (and how to speed up the process)… If you are looking for a top-notch loan officer in Brigham City, call us at 801-510-0707.

Instead of just working harder to make more money, why not make the money you have work harder for you. Here are four strategies to make that happen... If you are looking for a top-notch loan officer in Brigham, call us at 801-510-0707.

Ok, today we're going to talk about what NOT do to when selling your home. When you moved in, your home’s decor may have been the height of fashion. But fashions change. You may still love your home just the way it is, but that doesn’t mean today’s buyers will. If you want to ensure a quick sale for top dollar. Here are 8 things that could make your home harder to sell. If you are looking for a top-notch loan officer in Brigham, call us at 801-510-0707.

Ok, today we are going to talk about some important things to consider before downsizing your home… In 1950, the average single-family home in the US was 1,000 square feet, and today it’s 2,600 square feet. The difference is even more dramatic when you consider how much larger families were in the 1950s! Some find themselves living in unnecessarily large homes, which leaves room for downsizing and saving. But before you rush in to selling and buying small, here are 5 things to consider before downsizing… If you are looking for a top-notch loan officer in Brigham, call us at 801-510-0707.

Ok, today we are going to talk about 5 smart ways to use your home equity… Home equity is the difference between the value of your home and the unpaid balance of your mortgage. You can often access a percentage of that amount through a home equity loan or home equity line of credit (HELOC). Here are 5 of the best ways to use your home equity… If you are looking for a top-notch loan officer in Brigham, call us at 801-510-0707.

Buying a home in a new real estate development can be exciting! However, there are important things to be aware of before you sign the contract. There’s nothing like turning the key on a brand-new home that’s never been lived in. But buying in new a real estate development isn’t the same as buying an existing house. Here are 5 tips for buying in new real estate development… If you are looking for a top-notch loan officer in Brigham, call us at 801-510-0707.