Time to Move?

Are you trying to decide if now is a good time for you to move or stay put? This question is puzzling many people right now. Some great questions to ask yourself before making this crucial decision are:

• What are the reasons I am wanting to sell?

If you are wanting to move into a larger, nicer home now is the perfect time to sell. Why? Because if your home is in a lower price range, the values are not down that much. You will more than pick up any discount you will need to make on your purchase. Homes in the upper and middle price brackets are discounting heavily to find a qualified buyer.

Are you just wanting a nicer home. Is the sq. footage fine, just not the layout you would love? Then perhaps a refinance to pull out some equity and update your home would be your best bet. There are a lot of contractors out of work right now and you can find quality work at great discounts. Moving a wall, expanding out or up might be your perfect solution.

Am I considering a job relocation? A lot of companies will pick up your loss and your closing costs to relocate. What is the housing market where you are re-locating? What is the cost of living like? The internet makes answering those questions easier than ever before.

After you decide the reason you are exploring a move ask about financing. Is your credit what it should be to get the best financing? Credit scores of over 650 will give you a lot of options. In the 700's you are in good shape. Below those, get busy and start your credit clean up process. With diligence and a little guidance you can get those scores up to par in just a short time. Need help? Call The Solutions Team for your free credit clean up program. 435 884 9449.

Is now a good time to sell? Depends on your circumstances... Is it a good time to buy? Absolutely! Prices are lower than they have been for 2 years. Interest rates are great! Sellers are negotiating. It is the perfect time to buy!

Smoke and Mirrors

Getting our last newsletter ready to send out, I was contemplating the economic problem. It reminded me that more important than any crisis we are in, is our reaction to the crisis. Why are we in the mess? Is it an actual crisis or is it our perception? Perception is how you discern or see something. Lets look at the facts.

1. Interest Rates are under 7% (relatively low)


2. Prices are 30% less than they were 2 years ago


3. There is an abundance of homes to choose from


4. Mortgage companies are still loaning money


5. A home is a great investment


6. You can still buy a home with no or little money down

Rather than react to the current crisis, why not ask yourself some empowering questions?

Do I have enough food to eat today?

Do I have a roof over my head?

What can I do today to prepare for unforseen circumstances?

On those days when nothing in your life seems to be going right, it can be really tough to see the silver lining among all those clouds. However, it's during these times when the ability to see the good in even the worst situations is so important. An optimistic attitude benefits not only your mental health, but your physical well-being as well
Optimism – reacting to setbacks from a presumption of personal power:
· Bad events are temporary setbacks
· Isolated to particular circumstances
· Can be overcome by my effort and abilities
Pessimism - reacting to setbacks from a presumption of personal helplessness:
· Bad events will last a long time
· Will undermine everything I do
· they are my fault

What you say to yourself when you experience stress and adversity, your questions-- influences your performance, your mood, and even your health. Do you know the difference between a want and a need? We have very few things that are really needs: medicine, food, the roof over your head, gas for the car that you drive back and forth to work.

If your family could benefit from a new home the empowering question would be " Can I afford the payment?" What are the benefits? What are the drawbacks? If you want and need a new home, now could be the perfect time. If you need to sell, now is the perfect time, because you can pick up any loss on the other end. If you don't need to sell, now is the perfect time to stay where you are and make your home feel like your retreat.

In a nutshell, I think we must think of our the things in our life we are blessed with, focus on that and not on the clouds. After all there is always sunshine above every cloud.

Homeowners Tips

Well I am tired of writing just about real estate! Perhaps that is why I don't do it as often as I had planned. I wonder if you get as tired of reading about the volitile market, great buys etc.

I decided that I was going to do tips for homeowners... things that make owning a home a little easier.

My husband Bryan & I are both brokers and both work full time so dividing up the inside and outside chores becomes a chore in itself. We have gotten pretty good at both doing the things we don't HATE! This makes the chores get done a little easier. One thing I have gotten the short straw on that I really dread is cleaning the refrigerator. My secretary Julie said the secret is to go through the fridge at least every 3 days and throw out the things that we were sure we were going to eat and didn't! While that did solve the problem of opening the fridge and having things call out to me, or worse having the leftovers vying to participate in some medical school experiments. It did not solve the problem of having a clean, shiny organized refrigerator.

While cleaning it, I decided that it really isn't that hard, so why do I dread it so? Why don't I clean out 1 drawer, shelf or bin each day while cleaning the kitchen. Like wiping down an extra counter top! I do believe I have hit the jack pot. I will let you know if it works.

Mountain Property in Utah

Looking for a low cost family retreat? Look no further!

In the beautiful So. Willow Canyon in the Stansbury Mountain Range, located just 40 minutes from SLC is this beautiful 16 acre parcel for only $65,000. It includes over 400 ft of frontage on canyon road, with much of the property being rugged mountain and plateau for a great escape and no worry about neighbors. The perfect retreat for 4 wheeling, with private 4 wheel trail that can be used only by home owners. Year round access, and next to Forest service property. Heavily wooded. No utilities, so you can bring a trailer or make yourself self sufficient. Call 435 884 9449 for more information. or email us at solutionsteam@solutionsteam.biz

Shared Ownership in Real Estate

It's not new, it's not a time share.... It is a fabulous way to have a vacation home hassle free. It's called Shared Ownership.

Usually when people buy a vacation home they think they will get away every weekend to enjoy it. Reality and life steps in and they find that they visit their fabulous vacation home only a few times each year. Those times are shadowed by having to clean it and do the repairs . Shared ownership is fabulous alternative to this scenerio.

You own a fabulous home or condo with 4 to 6 other owners that you don't have to find!. You have a beautiful vacation home that you can actually vacation at. It comes with complete beautiful furnishings, linens, fully equipped kitchen & secure storage lockers so that you can keep your sports equipment and personal home touches on site.

You share the maintenance and housekeeping with the other owners so you have minimal expense and you now have the time and money to really enjoy your vacation home.

We have just listed a shared ownership home near beautiful American Fork Canyon in Utah, County. It will include 12 weeks of use. These will be booked for 3 rotating weeks in each season. You will have the opportunity of trading with the other 3 owners to get your

own customized vacations. It is a steal at only $110,000. Fully furnished and ready for your family. It includes 4 bedrooms, laundry facilities, beautiful master suite, gourmet kitchen.

Gorgeous Views in every direction. It is within walking distance to a gorgeous golf course, near hiking, boating, camping & skiing. It is located at 10333 Tamarack Way in Cedar Hills, Utah. See a photo tour of this gorgeous shared ownership home at http://www.10333tamarack.com/ Call or email us for further information 435 884 9449 or solutionsteam@solutionsteam.biz

Real Estate Investing in Utah

With the declining Utah real estate market, investors are seeing great opportunities for investment.
It is my opinion, after 26 years in the real estate industry, that the only way you can get hurt with a real estate investment is IF you have to sell in buyers market. Most investors must have a couple of options if the market gets tough. A Plan A, and then a Plan B for tighter times. Right now with the lending guidelines tightened up, there is an abundance of renters. Now is the time to start making a portfolio, with other people making your payments. If you can rent a property for 1% of the sales price that is a good guideline to go by so that you don't end up having to subsidize your own retirement. All properties will sell, it just depends on the price, condition and location. Sooner or later, if you stick to the sales price, it will be saleable!
Contact us if you would some great Plan B's!

We also have sources for buying investment property for only 10% down! Isn't it time you started doing a sure fire investment program?

Credit not good enough to buy a home, contact us for our FREE credit repair service. We can get you where you want to go. We specialized in Tooele County, but can help you regardless of where you are. You will need to sign a agency agreement, that means when we do get your credit up to par, you will let us, or one of our assigns represent you~ Call for a free consultation.