Explore Provo, UT

By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Real Estate and Yield Spread Premium As a Realtor and former Loan Officer, I have noticed an area of Home Loans and Mortgages that goes unnoticed by the consumer, that of Yield Spread Premium. Most borrowers believe that their Loan Officer makes his profit with the Loan Origination Fe...

By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Real Estate and the FHA Loan The FHA (Federal Housing Authority) doesn’t actually fund your home loan in any way. The FHA simply provides mortgage insurance to help consumers become Home Owners. The FHA actually insures the lender from losses resulting from Home Owner default. The FHA...

By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Real Estate Home Buyers and the Pre-Approval Buying your first home? , maybe your second, well this can be a wonderful experience for you or this could be a disaster. It all depends on how prepared you are when the process starts. Your first step is getting Pre-Approved. Financing a ...

By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Real Estate and your Realtor Well the time has come for you to sell your Home; it could be for a variety of reasons. Perhaps you need more space for an expanding family maybe your current home just doesn’t fit your needs anymore. Maybe the reason is much more stressful such as a divo...

By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Real Estate and Realtors versus For Sale by Owner Some people are very successful at selling their home “by owner”. They have knowledge of key marketing strategies, how to best show their home, and they possess a good understanding of contracts. They are versed in negotiation tactics,...

By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
  Utah County Homes for Sale and the Real Estate Purchase Contract, Earnest Money The Real Estate Purchase Contract involves more than just price. You will have to discuss personal property possession, rent, tests, inspections, closing dates and more. The one term that throws most buyers, especia...

By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Real Estate and the First Time Home Buyer Typically a First Time Home Buyer is considered to be someone who has not had an ownership interest in a home for 3 years or more. Some home loan guidelines are longer than that. There are many Down Payment Assistance grants, low interest loan...

By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Real Estate and Foreclosures, Bank Owned and Short Sales Properties that are in distress usually are referred to as Foreclosures. Foreclosure usually happens for a number of different reasons. Few home owners choose to go into foreclosure voluntarily. It is often a result of one of th...

By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Homes for Sale and Offer Pricing Factors There are many factors to consider when you are trying to determine what price to offer for a new home. Gathering and analyzing information form comparable sales helps to establish the range of prices you should consider. More weight should be ...

By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Homes for Sale and Bank Owned Homes Banks are not in the business to hold onto an inventory of homes. They want to get rid of these homes yesterday. This makes for a great opportunity for you, the home buyer or investor, because most of these homes are well below market value. Once t...

By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
  Utah County Homes for Sale, Eliminating Private Mortgage Insurance Private Mortgage Insurance (PMI) is the safety net of the lender. PMI benefits lenders because it guarantees payment on the balance of loans not covered by the sale of foreclosed properties. If a borrower makes a down payment of...

By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Homes for Sale, Pre-approval a must Buying your first home? , maybe your second, well this can be a wonderful experience for you or this could be a disaster. It all depends on how prepared you are when the process starts. Your first step is getting Pre-Approved. Financing a home can ...

By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Homes for Sale, For Sale by Owner vs. Realtor When it comes time to sell your home, one big decision needs to be made. Can I sell my home by myself or should I use a Realtor? Everybody wants to make as much money as they can when it comes time to sell their home, but it is necessary ...

By South Utah County Realtor, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Provo Homes for Sale, Home Buyer Representation As of 1994, the state of Utah authorized Buyer's Agency.  In Utah County, and throughout the state, buyers can choose an agent to work exclusively on their behalf.  Buyer agency benefits include: Buyer's agents are almost always paid out of the proc...

By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Homes for Sale, Foreclosure Process Distressed sales are a sad fact of the Real Estate market.  While no one wants to see a homeowner lose their home, these properties also present unique opportunities for buyers.  To determine whether you are a candidate for such a purchase, it's imp...

By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Homes for Sale, Private Mortgage Insurance (PMI) Private Mortgage Insurance is used by Home Loan Buyers to insure the lender against default if the borrower has less than 20 percent down.  Private Mortgage Insurance can be a very costly insurance premium that is necessary as part of l...

By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Homes for Sale, so you are Considering a Short Sale The time to consider a Short Sale is when your Mortgage is considered to be in default, one or more payments have been missed.  There are a number of solutions available to remedy the situation: Short Sale/Payoff Forbearance agreemen...

By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Homes for Sale, For Sale by Owner (FSBO) vs. RealtorWhen it comes time to sell your home, one big decision needs to be made.  Can I sell my home by myself or should I use a Realtor?  Everybody wants to make as much money as they can when it comes time to sell their home, but it is nec...

By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Homes for Sale - Contingencies and the Offer When it comes time to make an offer on your new home, occasionally there are a few obstacles that make it difficult.  It is sometimes hard to discover all the potential problems that might go wrong, but you might want to anticipate some so ...

By Robert A. Hulme, Home Listing Partner
(Home Buyer Realty Utah)
Comments 0
Utah County Homes for Sale - First Time Home Buyer Typically a First Time Home Buyer is considered to be someone who has not had an ownership interest in a home for 3 years or more.  Some home loan guidelines are longer than that.  There are many Down Payment Assistance grants, low interest loans...

Provo, UT Real Estate Professionals