SOLD!

UNDER CONTRACT~!~

www.tourfactory.com/551078

MLS # 915312
3 bedrooms 1 bath

Beautiful Starter home in Syracuse. Water filteration system along with water softener. Seller is motivated and ready to move. Great Home for a Great Price, Fully fenced Back yard, Located Near Park & New Syracuse Arts Academy. Make an offer

Ceiling Fan, Range, Range Hood, Refrigerator, Satellite Dish, Water Soft Own, Window Covers all included.

1422 N Porter Ogden

Great home in great location! Seller motivated, large spacious home with new water heater. Call and see today!

www.tourfactory.com/555627

Interesting

By Stephen Ohlemacher, Associated Press Writer
WASHINGTON — Senators agreed Wednesday to extend a popular tax credit for first-time home buyers and to offer a reduced credit to some repeat buyers.
The tax credit provides up to $8,000 to first-time home buyers but is set to expire at the end of November. The Commerce Department said Wednesday that new home sales fell 3.6% in September, and some industry representatives blamed uncertainty about the tax credit.
Senators agreed to extend the existing tax credit for first-time home buyers while offering a reduced credit of up to $6,500 to repeat buyers who have owned their current homes for at least five years, said Regan Lachapelle, a spokeswoman for Senate Majority Leader Harry Reid, D-Nev.
The tax credits would be available to home buyers who sign sales agreements by the end of April. They would have until the end of June to close on their new homes, according to a summary of the legislation being circulated among lawmakers.
Senators were still negotiating the expansion of a separate tax credit that lets money-losing businesses get refunds for taxes paid in previous years, providing them with an immediate source of cash.
Senators in both political parties were hoping to add both tax provisions to a bill that would give people running out of unemployment insurance benefits up to 20 more weeks of federal aid. The Senate could vote on the overall bill as early as Thursday, but lawmakers were still haggling over several unrelated amendments Wednesday evening.
Popular bills like the one to extend unemployment benefits often attract amendments that would have a difficult time passing on their own.
Republicans were demanding that they be given a chance to offer amendments to restrict federal aid to the beleaguered community activist group ACORN and on requiring that people receiving unemployment insurance be processed through E-Verify, an Internet-based system that employers use to check on the immigration status of new hires.
Majority Democrats have refused to add the amendments.
If the Senate passes the bill, it would go to the House, which passed a similar bill extending unemployment benefits last month. House leaders have also said they support extending the tax credit for home buyers.
Sen. Chris Dodd, D-Conn., has been negotiating for several weeks with Sen. Johnny Isakson, R-Ga., to craft an extended tax credit for homebuyers that would pass the Senate.
Lawmakers didn't release a cost estimate for extending the tax credit, though similar proposals were projected to cost about $10 billion.
Industry representatives said uncertainty about the tax credit is hurting new home sales. September's decline was the first since March.
It takes 45 days to 60 days to close on a house, making it unlikely a sale made today would be consummated by the end of November, said Lucien Salvant, spokesman for the National Association of Realtors.
"Buyers right now have an incentive to hold off, not knowing whether the credit will be extended," Salvant said.
About 1.4 million first-time homebuyers have qualified for the credit through August. The National Association of Realtors estimates that 350,000 of them would not have purchased their homes without the credit.
The tax credit for money-losing businesses is a favorite among Republican lawmakers. Businesses could get tax refunds by using losses from 2008 and 2009 to offset taxable profits made in the previous five years. Under current law, they can only offset profits from the previous two years.
The provision would help a variety of industries, including retailers, manufacturers and home builders, though it's expensive.
"It's clearly a way to put cash in the hands of some major economic players," said Clint Stretch, a tax policy expert at Deloitte Tax.
A similar proposal that was ultimately dropped from the economic stimulus package enacted in February would have cost nearly $20 billion over 10 years. Lawmakers are working to reduce the price tag.
Because people are so strapped for cash, this is a good way to get refunds when businesses need them for operating expenses, said Rachelle Bernstein, vice president and tax counsel for the National Retail Federation.

Just Listed 5471 S 3450 W Roy

Here is your home! Beautifulluy updated home with lots of yard. Mature trees. New windows & doors, new furnace & central air system large out building, new hickroy cabinets.

5 bedrooms 1 and a third bath.

I NCLUDES: Fireplace Equipment, Fireplace Insert, Range, Range Hood, Satellite Dish, Water Soft Own, Window Covers, Wood Stove

http://www.tourfactory.com/558769

2376 S 2940 W Syracuse BRAND NEW PAINT

http://www.tourfactory.com/551078
MLS # 915312
3 bedrooms 1 bath

Beautiful Starter home in Syracuse. Water filteration system along with water softener. Seller is motivated and ready to move. Great Home for a Great Price, Fully fenced Back yard, Located Near Park & New Syracuse Arts Academy. Make an offer

Ceiling Fan, Range, Range Hood, Refrigerator, Satellite Dish, Water Soft Own, Window Covers all included.

UNDER CONTRACT!!!

1422 N Porter

Located in North part of Ogden City. Must see home sellers Motivated. BUY WHILE YOU CAN STILL GET $8,000 for first time home buyer.
This home has 5 bedrooms 2 and 1/3 baths.
Ceiling Fan, Range, Range Hood, Refrigerator, Storage Sheds, Window Covers all included
http://www.tourfactory.com/555627

HUD info

HUD secretary: Housing crisis improving, not over
VICTOR EPSTEIN
The Associated Press
HACKENSACK, N.J. - The head of the federal agency working to stabilize the nation's slumping housing market says more homes are being saved from foreclosure as lenders rework mortgages, but cautioned that the crisis is not over yet.
U.S. Housing and Urban Development Secretary Shaun Donovan said Monday that there are other signs of an improving housing market, such as the slowing decline in prices. He estimated that more than 500,000 homes will be saved from foreclosure this year.
"I wish the administration preceding us had begun to address the problem before we began" the process of having 3 million homeowners in foreclosure, Donovan said, testifying at a field hearing of the U.S. Senate's housing subcommittee in northern New Jersey. Residents in the area have been hit hard by job losses and home foreclosures.
The number of New Jersey homes returned to lenders in August increased 17 percent to 877 from the same period a year ago. That compares to 16 percent decline at the national level, according to the RealtyTrac Inc. mortgage information service.
"We have not experienced anything like this since The Great Depression," said U.S. Sen. Robert Menendez, who chaired the hearing in his home state. He predicted that the full impact of the housing crisis won't be felt until homes are revalued. That process is likely to yield downward revisions that reduce government tax revenue.
Marge Della Vecchia, executive director of the New Jersey Housing and Mortgage Finance Agency said entire neighborhoods are being destabilized in New Jersey by blocks of foreclosed homes that have been boarded up.
Homeowners, counselors and lenders who spoke at the hearing said some lenders are reluctant to renegotiate mortgage terms to keep struggling families in their homes. Many banks continue to prefer foreclosure to renegotiation, they said.
Bryan Bolton, a senior vice president at CitiMortgage Inc., said his company believes that modifying loans is preferable to foreclosures in most cases.
But Phyllis Salowe-Kaye, executive director of the watchdog group New Jersey Citizen Action, said most mortgage lenders aren't as supportive of loan modifications.
"If the industry really believed this we wouldn't be here," Salowe-Kaye said.
She said some lenders appear to be padding their numbers by directing refinancing offers to homeowners with solid finances instead of those in need of help, and then counting those deals as a home saved. She pleaded with Menendez and other lawmakers in Washington to do more to help struggling homeowners and to support a proposal from President Barack Obama for the creation of a consumer protection agency at the federal level.
"We are not at the end of this," Salowe-Kaye said. "We have not peaked. We are still in the middle of this crisis."

SOLD!

This beautiful home just sold... Call today I have more.

SOLD!

This home in Roy Just sold....But I have More!

GOOD READ ON FHA AND HVCC

FEDERAL HOUSING FINANCE AGENCY NOTICE (FHA)

Strengthening Appraiser Independence and Improving the Valuation Process
Update on Enterprise Implementation of the
Home Valuation Code of Conduct
The Home Valuation Code of Conduct (Code) announced by Fannie Mae and Freddie Mac (Enterprises) in December 2008 was developed after a long period of public input and was deployed on May 1, 2009, after a four-month transition period. The Code expanded on existing Enterprise appraisal standards, seeking to redress problems that contributed to the current mortgage crisis and to improve the quality of the mortgage loans they purchase.
Unfortunately, during the 2005 to 2007 period, mortgage lending was much too aggressive and placed pressure on the appraisal process. In some cases, that resulted in unrealistically high appraisals, hurting homebuyers as well as investors. The HVCC is designed to promote professional appraisals free from inappropriate pressure from lenders, borrowers or brokers.
The Code’s main purpose is to protect appraisers and the quality of appraisals from undue influence and conflicts of interest. The Enterprises continue to address questions on implementation and today provided additional FAQs. Also, they are finalizing a complaint form relating to Code violations.
Market participants should appreciate the difficulty facing appraisers when valuing properties in a declining market, especially when sharply dropping home prices and foreclosures are prevalent. The challenges of appraising properties exist with or without the Code. Market participant concerns in the current circumstances would create appraisal controversies even without the Code. Indeed, the Code should help mitigate these controversies by providing clearer protection for appraisers.
The Enterprises have taken additional actions. For example, Freddie Mac recently issued an alert to mortgage lenders advocating the use of qualified and experienced real estate appraisers, including those appraisers affiliated with a professional organization. This was similar to a Fannie Mae pronouncement. The Appraisal Institute termed this a victory for efforts to promote more professional appraisals and said it would "have a positive effect on millions of home buyers and sellers." The GSE guidances reinforce existing professional standards that appraisers must be familiar with the local market where the property is located and highlighted that appraisers must choose appropriate sales comparisons.
Addressing Misinformation
Misinformation has been circulated about the content of the Code and some have tried to cite the Code as the source of unrelated market dislocations. FHFA believes that the Code is serving the intended purpose and will continue its oversight role both as to the implementation of the Code by the Enterprises and its market impact.
Some key items that the public should know:
Communications with appraisers– Contrary to some suggestions, the Code provides for communications with appraisers about errors, additional needed information and unprofessional conduct. Quality control personnel may communicate with appraisers and other lender personnel, outside of the loan origination function. The real bar is on communications that seek to influence the appraiser to adopt a set valuation, which is prohibited.
Low appraisals— Contrary to some suggestions, the Code does not lead to lower appraisals for property. The Code insulates appraisers from pressures that led to higher or lower appraisals and should now lead to more accurate valuations. This is in everyone’s interest. Declining home prices began long before the deployment of the Code and relate to many other factors. Current efforts at mortgage market stabilization are a central focus at FHFA and the Enterprises, but that needs to be achieved by keeping borrowers in their homes, not urging appraisers to improperly overvalue homes.
Appraisal management company (AMC) role— Contrary to some suggestion, the Code does not favor the use of AMCs over independent or in-house appraisers. Significantly, for the first time, the Code places the same requirements for appraiser independence on AMCs as the limits placed on lenders. Lender use of AMCs was increasing prior to the Code and one of the key goals and results of the Code was to strengthen appraiser protections when engaged by AMCs.
Unqualified or out-of-area appraisers– The Uniform Standards of Professional Appraisal Practice (USPAP) requires that an appraiser be competent and knowledgeable of the local market to perform an appraisal. In addition, in reinforcing USPAP, the Enterprise appraisal guides require appraisers to have knowledge of the local market. The use of unqualified in-state or out-of-state appraisers, unfamiliar with local conditions, should be reported to state appraiser licensing agencies.
Increased costs at closing— Closing costs have risen in some instances, but that has not been a function of the Code. Lenders have tightened underwriting standards, often requiring additional comparables by appraisers and even requiring second appraisals. Market investors have focused on reducing fraud and sought greater assurances about valuations. Appraisers have been working hard to meet these requests.
Turnaround times for appraisals— The Code may initially have slowed appraisal time as it was being implemented. However, there are other reasons for turnaround time changes; these include increased demands by lenders, the efficiency of a particular lender’s underwriting process and the workload of appraisers. The Code’s appraiser independence standards are critical for accurate valuations, a lesson learned in the current market crisis. Assuring a good appraisal is in the borrower’s interest. As the market adjusts to new underwriting standards, including those for appraisals, more efficiency will reduce turnaround times.
Transferring an appraisal – Contrary to some suggestions, appraisals are transferrable between lenders under the Code. Transferring an appraisal may obviate the consumer’s need to pay for a new appraisal should the first lender deny the loan. Whether a lender decides to transfer or
accept an appraisal, however, is up to the lender, and is not related to the Code. Lender discretion in this area predated the Code.
* * * *
The Home Valuation Code of Conduct supports the critical role of appraisers and their central role in the underwriting process. Accurate appraisals, produced in line with industry standards and legal requirements, provide key protections for homeowners, the Enterprises and investors who support the markets. The poor practices of the past are being corrected and lessons learned are being addressed.

Burglar Proof Your Home

Easy Ways to Burglar Proof Your Home
Theft makes up more than three-quarters of all reported crime. According to U.S. Department of Justice, an American home is burglarized every 8 seconds. In the next two decades, it is estimated that three out of four American homes will be burglarized.
Burglars enter homes through the following locations:
81 percent enter through the first floor
34 percent of burglars enter through the front door
23 percent enter through a first-floor window
22 percent enter through the back door
9 percent enter through the garage
4 percent enter through the basement
4 percent enter through an unlocked entrance
2 percent enter through a storage area
· 2 percent enter anywhere on the second floor
Doors should be made of steel or solid-core wood construction. Hollow-core wood doors are more easily broken than heavy, solid-core doors.
Doors should be protected by quality deadbolt locks. Chain locks are not adequate substitutes for deadbolt locks, although chain locks may be used as additional protection.
If a door is equipped with glass panes, they should be installed far from the lock. Otherwise, burglars can smash the glass and reach through the door to unlock the door.
A peephole can be installed in doors so homeowners can see who is on their doorstep before they open the door.
Pet doors can be used by burglars to enter homes. Some burglars have reached through pet doors in order to unlock the door. It is advisable to not have a pet door, but if one is necessary, it should be as small as possible and installed far from the lock. Electronic pet doors are available that open only when the pet, equipped with a signaling device in their collar, approaches the door. These doors are designed to keep stray animals out of the home, and may provide protection against burglars, as well.

All windows should be composed of strong glass, such as laminated glass, and be in good operating order.
Sliding glass doors should be equipped with locks on their tops and bottoms. All windows should lock.
A cut-off broom handle, or a similar device, can be laid into the door track to prevent it from being opened.
Windows and doors should not be able to be lifted from their frames.
Lights should be installed on the exterior of all four sides of the house. Burglars prefer darkness so they cannot be seen by neighbors or passersby.
When building occupants are not home, a few lights should be left on.
It is helpful to install exterior lights that are activated by motion sensors. Burglars that are suddenly illuminated may flee.
· Suggest that someone is home by using electric timers to turn on the radio and house lights at certain hours. Vary the lights that you turn on.
· The lawn should be cut regularly. Uncut grass is a clue that no one is home.
When on vacation, tell a trusted friend where you'll be and how to reach you in an emergency. Ask them to pick up your mail and newspapers, hand bills, litter, packages, or anything else that would signal a burglar that you're not home.
Dogs are excellent burglar deterrents. If you cannot own dogs, place "beware of dog" signs around the yard for nearly the same effect.

Your garden can also be an attractive opportunity for thieves, and is often easier for them to access. Make sure you lock up valuables in a good quality shed - don't forget your garden tools and ladders as these can also be used to break in to homes.
Never leave your garage door opener in an unlocked car. To do so could give thieves access to your garage. If you have an attached garage, you could also be giving thieves access to your home.

GREAT News!!

The First Home buyer $8,000 tax credit has been extended UNTIL 12/31/09
(1st time home buyers or if you haven't bought a house in the last 3 yrs)
0 down programs
Prices are soft
NOW IS A GREAT TIME TO BUY AND SELL REAL ESTATE

Utah Housing

Did you know Utah Housing is one of the best loans for a first time home buyer?
Utah housing has fantastic rates for first time home buyers, They will also allow you to finance all of your closing costs and down payment. There are very few if any lenders that will allow you get a 100% loan. If you are in the market and you want to see if you quailfy for Utah Housing give me a call today!

5 new tools for home buyers

COURTESY of CNN MONEY
5 new tools for homebuyers
Real estate Web sites are constantly coming up with new ways for homebuyers to get information about the market. Here are 5 new sites that can make house hunting easier.
1 of 5

House hunt on the iPhone
• Latest median home price in your city• Foreclosures: How bad is your state?You're driving down a street and see a really pretty home with a For Sale sign on the front lawn. You write down the broker's information and can't wait to get home to take a look at the listing details. If you have an iPhone, you can get the information on the spot.Zillow.com released a free iPhone app last month, enabling consumers to get the low-down on more than 88 million homes - and not just the ones for sale. The app is GPS-powered so the map follows you as you stroll, with price estimates popping up along the way. Pass a sale sign and you can access pricing, number of bedroom and baths, square footage and other info."House-hunting is, inherently, a mobile experience," said Zillow's CEO Rich Barton in announcing the launch.This will add a whole other layer to that Sunday afternoon perambulation.


Find profitable investment deals
• Investors snapping up properties in Detroit• Latest median home price in your city• Foreclosures: How bad is your state?With home prices more affordable than they've been in many years, there are some real bargains. Investors who are less interested in the aesthetics than the bottom line can try InvestorLoft.com's new PropScout to find lucrative options. The tool offers several search filters, which go much deeper than just location and price. For example, Estimated Equity finds homes with big differences between listing price estimated value. Cash Flow ranks homes by the profits they produce. Cap Rate ranks by the percentage of profit on investment.The tool has listings in about 20 states and should be in all 50 by early 2010, according to CEO Walter Charnoff. Consumers can search by city, zip code or property ID.




Ferret out cheap houses
• Latest median home price in your city• Foreclosures: How bad is your state?This spring Trulia.com launched a nationwide filter that enables consumers to search 3.2 million listings for price reductions. Enter a town or zip code, and reduced-price homes will come up.Details include the number of times the price has dropped, the dates, by how much and the percentage of the reduction. That's useful information: It can demonstrate that the seller is getting especially anxious about making the sale and consumers can adjust their offers accordingly.If, for example, a home has gone through price cuts at regular intervals and is due for another, a buyer may want to wait a few days to make an offer.The site also offers a new comparison feature that allows consumers to look at four listings side-by-side, making it easier to judge the home features and data."The tools can be used to take the pulse of the market today," said Ken Shuman, Trulia's head of communications.



House hunt on YouTube
• Latest median home price in your city• Foreclosures: How bad is your state?The future of real estate marketing is in video, according to many industry insiders. Why look at static Web page photos when you can watch a guided tour of a house and gardens? The giant real estate brokerage franchiser Coldwell Banker teamed up with Google subsidiary YouTube to launch its own video channel last month. Viewers can watch real estate agents talking about the areas they serve, including the schools, parks, restaurants and amenities that make up various neighborhoods. There's a Browse-by-Map that shows all the video listings across the country."Video gives a more robust, nuanced view of the home," said Mike Fischer, VP of marketing for the company.Eventually, much of the site's content will be listing videos that should help house hunters cut through some of the clutter of homes for sale.There are some listing videos up already and the site is adding more all the time. It launched with only 30 or so full fledged home tours and now has about 300. When fully functional, the total should be many thousands.

Market reports
• Latest median home price in your city• Foreclosures: How bad is your state?Homebuyers wondering what the future holds for their investment can turn to Cyberhomes for a market report. The service, which costs $9.95, provides projections for specific neighborhoods and includes 12- and 24-month price-change forecasts. It also reports the number of distressed, foreclosure and REO properties within a ZIP code and then compares that to the rest of the metro area and the state. The report also estimates the strength of the local market and how the volume of sales will change over the next 12 months.The site introduces an element of logic to a transaction that's often fraught with emotion. Homebuyers often act too quickly when they find houses they like, leading them to overpay. So if the market report tells them that prices may be in for a sharp fall and more homes are coming onto the market, they may slow down and make a more informed offer. If, on the other hand, the report shows the market heating up, they may conclude that a quick offer can save them some money. "In today's market, an understanding of the future direction of property values and inventory levels are key factors," said Jay Gaskill, president of Cyberhomes.

Great news for first time home buyers!

$8,000 is now available for down payment
The 8,000 tax credit is now available to be used towards your down payment or closing costs. This is fantastic news for all first time homebuyers. Call me today to get your start on owning your own home!

45 S 2825 E Layton Utah

Price improved home being offered @ $319,900. http://www.tourfactory.com/459680

360 N HARRISON BLVD

Home being offered at $143,000
Live where nature begins biking, hiking ,exploring and more.
Take advantage of the first time home buyer tax credit and live where you play.

2080 W 2025 S Roy

UNDER CONTRACT
This home is PRIDE IN OWNERSHIP. Professional Landscaping, Mahogany wood flooring, Tile flooring. HOME SWEET HOME This home is being offered at $210,000 what a great price for a great home.

www.tourfactory.com/476711

Now is the time to buy

Perfect time to buy or sell Real Estate. The State of Utah is now offering $6,000 if you buy a new existing home. Not just first time home buyers. talk to me.

Real Estate Answers

H.R. 1, the “American Recovery and Reinvestment Act of 2009,” passed the House on February 13, 2009, by a vote of 246 - 184. Later that day, the Senate also passed the bill by a vote of 60 - 38. The President signed the bill on February 17, 2009. The bill is a $780 billion package, with roughly 35% of the package devoted to tax cuts (mostly for 2009) and the rest to spending intended to occur in 2009 and 2010. View how the U.S. House of Representatives voted>View how the U.S. Senate voted>
The mix of provisions of interest to REALTORS® changed frequently throughout the legislative process, with changes continuing to be made just hours before the measure was released prior to the vote. In the end, the elements of NAR’s housing agenda were included. Congress and the President have announced that a finance and housing package (including tax provisions) will be the next “big” initiative, so Congress has by no means finished its work as it affects the housing industry and REALTORS®.
The bill includes the following provisions:
Homebuyer Tax CreditFHA, Fannie Mae and Freddie Mac Loan LimitsNeighborhood StabilizationCommercial Real EstateRural Housing ServiceLow Income-Housing GrantsTax Exempt Housing BondsEnergy Efficient Housing Tax Credits & GrantsTransportation InvestmentsBroadband Deployment



Homebuyer Tax Credit – The bill provides for a $8,000 tax credit that would be available to first-time home buyers for the purchase of a principal residence on or after January 1, 2009 and before December 1, 2009. The credit does not require repayment. Most of the mechanics of the credit will be the same as under the 2008 rules: the credit will be claimed on a tax return to reduce the purchaser's income tax liability. If any credit amount remains unused, then the unused amount will be refunded as a check to the purchaser.Chart Highlighting the Major Modifications to the First-Time Homebuyer Tax Credit> (PDF: 309K)Frequently Asked Questions> (PDF: 483K)NAR's Presentation: The 2009 First-Time Homebuyer Tax Credit (PDF: 319K)

5494 S 3450 W Roy

If you want a yard a pool and a home this is the one for you!
This home was built in 1976 with a fully finished basement.
Indoor features include 2.5 bathrooms 4 bedrooms two familyrooms.

Outdoor features include .50 acre of property with an in ground pool. Call today for your personal showing.

Home being offered at $199,900.oo

www.tourfactory.com/476709

2080 W 5025 S

OPEN MARCH 21st 10 am - 1 pmPride in ownership Features ranging from Mahogany Flooring to stainless steel appliances. Outdoor feature include Hot Tub, wood shop, a patio secluded in the summer by cherry trees and flowers that bloom all season long! IMMACULATE Multilevel home in a great Roy location. Don't miss your chance to own this beautiful home. Call for your personal showing today.

Home being offered at $210,000.00
Click link for more beautiful pictures.

www.tourfactory.com/476711

2823 W 4200 S PRICE REDUCED

Own your own piece of heaven! This home is not only priced well it is in a great location for easy access to the Roy front runner station. This home is a multi level 3 bedroom 1 bath with room to grow in the basement.
This home is a short sale. Call to day for your personal showing!

Home being offered at 159,900.00

Click link for more photos
www.tourfactory.com/445206