STOVE SHOPPING: GAS VS. ELECTRIC

STOVE SHOPPING: GAS VS. ELECTRIC

As any homeowner will tell you, there’s more to a home than meets the eye. One decision on the horizon is choosing between gas and electric. If appliance choices have got you feeling the heat, know that it’s easier than you think. Here are a few pointers on choosing the right stove for your needs…. Read more »

THINGS TO CONSIDER BEFORE RENTING YOUR PROPERTY

THINGS TO CONSIDER BEFORE RENTING YOUR PROPERTY

If you’ve decided that you want to rent out your home or investment property, you may think that all you need to do is publish a listing and, voila! You’ve got a new tenant! Well… renting out your property may not be as simple as it seems. Before creating a listing online, there are a… Read more »

3 Remodeling Projects That Prospective Buyers Desire

3 Remodeling Projects That Prospective Buyers Desire

Rather you live in St. George, Southern Utah or anywhere, remodeling is a great way to fix, update or upgrade your home while increasing its value.  But caution must be used as costs can add up fast. It’s important to prioritize the projects that will not only benefit you and your family in your daily… Read more »

8 Creative Ways to Save for a Down Payment

8 Creative Ways to Save for a Down Payment

If you’re ready to make the jump from renter to homeowner, you’ll most likely need to save for a down payment. The typical down payment to buy a home in Southern Utah is between 3% and 20% of the purchase price. While 56% of buyers with a mortgage put down less than 20%, saving up… Read more »

Pantry Organization for Preppers

Pantry Organization for Preppers

With more people staying at home and avoiding crowds, a lot of homeowners are turning to home prepping as a way to cut back on trips to the store and avoid shortages. Unfortunately, many people find themselves overwhelmed. Sometimes it’s hard to know exactly what to stock up on. And once the pantry is fully… Read more »

Salary Drop? – A Mortgage is Still Available

Salary Drop? – A Mortgage is Still Available

In uncertain times, it can be easy to sit back and worry your time away hoping things will work out eventually. Although worrying will absolutely give you something to do, it won’t get you anywhere. So if you’ve been wanting to buy a home or refinance this year, don’t discount the possibility just because your… Read more »

How Does Rent to Own Housing Work?

How Does Rent to Own Housing Work?

Buying a home is a big deal, especially for those who have had credit problems in the past. The most common way to buy a home is with a mortgage loan, which requires both a credit score that the lender finds acceptable and enough cash on hand for a down payment (and usually some other… Read more »

Title Insurance: What It Is, Why You Need It

Title Insurance: What It Is, Why You Need It

Buying a home is fraught with all kinds of peril, from home inspections that go terribly awry to negotiations that seem to go on forever and hinge on every little detail. But once you’re through all of that, you’re basically in the clear, right? For some buyers and sellers, maybe not, but title insurance can… Read more »

Financial Literacy Courses for Children (2020)

Financial Literacy Courses for Children (2020)

Earlier this year The CFPB (Consumer Financial Protection Bureau) has released this financial training for children on their website that is absolutely FREE. CLICK HERE to get to the training.  CFPB says, “To build money skills, follow the three building blocks” Due to the coronavirus, many schools are out or transitioning to distance learning and… Read more »

Pool & Spa Liability with Slips and Falls

Pool & Spa Liability with Slips and Falls

Owning a pool/spa comes with a number of liabilities.  You must not only worry about your immediate family but those you invite to swim.  What can be done to reduce liability exposure with “slip and fall” incidents? Regardless of a pool/spa size or depth, always have excess insurance coverage to sit over your primary homeowners… Read more »