Buying a Home?

7 Unsettling Emotions You'll Feel Before the Deal Is Done, 
Buying a home may be a financial transaction, but it's a highly emotional one, too. And while there are highs—like the moments you know you've found The One or you get the keys to your new home—you may also go through periods of high anxiety or hopelessness before you close the deal.

Ask any homeowner about their experiences buying a home, and you’ll hear a similar refrain: Purchasing property is utterly nerve-racking. With so many moving pieces, buying a home can feel like a high-stakes juggling act—only you don’t have time to practice.

As a real estate professionals like Carriene Porter of Precision Realty & Associates, you’re guaranteed to get the expertise and advice you need to Sell or Buy your home. I’ve specialized in working with first-time buyers. Although each home sale is unique, I’ve noticed buyers experience some of the same ups and downs during the home-buying process.

Here are seven things only home buyers understand.
1. Online photos can be deceiving
Odds are good you’ll be spending a huge chunk of time looking at properties online, but listing photos can be misleading. Professional photographers and listing agents alike are capable of disguising flaws of all shapes and sizes.

The only way to truly know what a house looks like is to see it in person. Click to see more on this beautiful condo- Status Active MLS #1564731

2. Open houses are fun—until they're not
Going to open houses gives you the opportunity to see properties without having to deal with the hassle of coordinating showings.

However, it’s easy to get worn out. If you’re serious about buying a home, you’re attending open houses every weekend—which can get quite cumbersome, especially if you'd prefer to be out brunching with friends or attending Junior's soccer matches. The important thing to remember is that your house hunt won't last forever, in spite of how it may feel in the thick of things (see our next point).

3. Buying a home can feel like a never-ending slog
Finding a great home—one that meets your needs and (hopefully) checks off a lot of your “wants”—takes time. With all of my past clients, I showed each of them at least five properties before we made an offer on a home. (One buyer looked at probably close to 30 homes before we found The One.)

The lesson: You have to be patient, because it could take a while for you to find a house that you love.

4. Anxiously waiting to hear back on an offer
No one likes playing the waiting game after submitting an offer on a home but, unfortunately, this is simply part of the home-buying process. Whether or not you're going up against other offers, the seller needs time to review each bid carefully. Furthermore, each state has its own legal contract that home buyers must use when making an offer on a property, and some jurisdictions require you to submit a mound of paperwork.

Once you’ve submitted an offer, though, the best thing you can do is wait. To minimize the pain though, I typically recommend home buyers attach an addendum stating that their offer expires in 24 hours. I do this for two reasons: It prevents the seller from being able to use your offer to shop around for a better one, and it gives you an exit strategy if you decide you want to walk away and look for another home.
5. Disclosures and home inspections? Terrifying
Unless you’re buying a brand-new house, the seller is required to provide you with property disclosures about the home’s condition. These documents can be a bit unsettling, as can a home inspection.

But don't fret: These documents err on the side of too much detail, and often make a problem seem far worse than it really is. Make sure to talk them over with your real estate agent so you know what the repair work will truly entail.

6. The disappointment of not getting everything. 
If you’re buying a house, you'd better be prepared to negotiate. When you submit a lowball offer on a property, you should expect the seller to make a counteroffer. Both parties may have to make concessions in order to agree on a sales price.

A request for home repairs is another big point of contention. Home inspectors are trained to find every single flaw with a house, no matter how big or small. If the inspection reveals a major issue (e.g., a cracked foundation), that should absolutely be something you discuss with the sellers to see who will pay for repairs. However, you shouldn’t nickel-and-dime the sellers by asking them to fix every minor thing that’s wrong with the house; if you do, the deal could fall through.

Note: I always recommend including a home inspection contingency when making an offer on a property, unless the house is a short sale or it’s being sold as is, in which case you don’t typically have room to ask for repairs. A typical home inspection costs $300 to $500.

7. Getting a hand cramp at closing from signing all those forms
At settlement, home buyers sign a lot of paperwork to make the sale official—meaning your hand will definitely be sore by the time you’re finished writing your John Hancock on the last document. But trust me, it's all par for the course—and well worth it, as I've seen time and again home buyers' eyes light up once they're handed the keys.

We are Ready to Help! Not quite ready to buy a home?  You may qualify for the Lease with a Right to Purchase program.  Call me and I'll give you the details on how you may qualify to get into the home you want, get settled and then purchase it when you are ready! If you prefer a more personal touch, CALL 801-809-9866 today.  


#LeasePurchase #UtahRealEstate #Selling #Buying

Mortgage Rates Rise this Week

“The economy continued to show resilience as strong business  

activity and growth in employment drove the 30-year fixed mortgage rate to a seven year high of 4.94 percent – up 11 basis points from last week.

”Sam Khater, Freddie Mac’s chief economist, says,

“Higher mortgage rates have led to a slowdown in national home price growth, but the price deceleration has been primarily concentrated in affluent coastal markets such as California and the state of Washington.

The more affordable interior markets – which have not yet experienced a slowdown home price growth – may see price growth start to moderate and affordability squeezed if mortgage rates continue to march higher.”

Mortgage rates were on the rise this week, and as a result, home buyers faced higher borrowing costs. The 30-year fixed rate rose to its highest average in seven years, averaging 4.94 percent this week, Freddie Mac reports.

Freddie Mac reports the following national averages for the week ending Nov. 8:

News Facts

• 30-year fixed-rate mortgages: averaged 4.94 percent, with an average 0.5 point, increasing from last week’s 4.83 percent average. Last year at this time, 30-year rates averaged 3.90 percent.
• 
  15-year fixed-rate mortgages: averaged 4.33 percent, with an average 0.5 point, increasing from last week’s 4.23 percent average. A year ago, 15-year rates averaged 3.24 percent.
• 
  5-year hybrid adjustable-rate mortgages: averaged 4.14 percent, with an average 0.3 point, increasing from last week’s 4.04 percent average. A year ago, 5-year ARMs averaged 3.22 percent.

Average commitment rates should be reported along with average fees and points to reflect the total upfront cost of obtaining the mortgage. Visit the following link for the Definitions. Borrowers may still pay closing costs which are not included in the survey.

3 Tips to Improve Your Credit

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we’ve made housing more accessible and affordable for homebuyers and renters in communities nationwide. 

Are you ready to make a move we're here to Help! When you’re working with real estate professionals like Carriene Porter of Precision Realty & Associates, you’re guaranteed to get the expertise and advice you need. 

Not quite ready to buy a home?  You may qualify for the Lease with a Right to Purchase program.  Call me and I'll give you the details on how you may qualify to get into the home you want, get settled and then purchase it when you are ready! If you prefer a more personal touch, CALL 801-809-9866 today.  


#LeasePurchase #UtahRealEstate #Mortgage #Creditscore
Source: FredieMac

Cheaper the Home

Faster the Prices Rise: National home prices increased 5.6 

percent year over year in September 2018 and are forecast to increase 4.7 percent from September 2018 to September 2019.

The September HPI gain was the slowest year-over-year gain since January 2017. An analysis of the market by price tiers indicates that lower-priced homes experienced significantly higher gains, according to the latest Home Price Index.

National prices increased 5.6 percent year over year.Home prices forecast to rise 4.7 percent over the next year.

After adjusting for inflation, home prices were still 13.3 percent below the 2006 peak.

The overall HPI (all price tiers combined) has increased on a year-over-year basis every month since February 2012 and has gained 57.5 percent since hitting bottom in March 2011. As of September 2018, the overall HPI was 5.5 percent higher than its pre-crisis peak in April 2006. Adjusting for inflation, U.S. home prices increased 3.8 percent year over year in September 2018 and were 13.3 percent below their peak.
Figure 3 shows the year-over-year HPI growth in September 2018 for the 25 highest-appreciating states along with their highest and lowest historical price changes. Two states showed double-digit year-over-year increases: Nevada, up 12.8 percent, and Idaho, up 12 percent. Prices in 38 states (including the District of Columbia) have risen above their pre-crisis peaks.Of the seven states that had larger peak-to-trough declines than the national average, California, Idaho, and Michigan have surpassed their pre-crisis peaks as of September 2018. Connecticut home prices in September 2018 were the farthest below their all-time HPI high, still 16.4 percent below the July 2006 peak. 

Analyzes four individual home-price tiers that are calculated relative to the median national home sale price. The lowest price tier increased 8.5 percent year over year, compared with 6.8 percent for the low- to middle-price tier, 6.1 percent for the middle- to moderate-price tier, and 4.5 percent for the high-price tier. Figure 1 shows the historical levels of the four price tiers indexed to January 2006, shortly before each of the tiers hit its peak index value.

Appreciation in the low-price tier began pulling ahead of the other price tiers in 2013,and appreciation in the low-price tier has been steady since then. The five-year appreciation rate (from September 2013 to September 2018) for the low-price tier was 47 percent, compared with a five-year appreciation of 37 percent for the low- to middle-price tier, 32 percent for the middle- to moderate-price tier, and 24 percent for the high-price tier.
The overall HPI (all price tiers combined) has increased on a year-over-year basis every month since February 2012 and has gained 57.5 percent since hitting bottom in March 2011. As of September 2018, the overall HPI was 5.5 percent higher than its pre-crisis peak in April 2006. 

Adjusting for inflation, U.S. home prices increased 3.8 percent year over year in September 2018 and were 13.3 percent below their peak. Figure 2 shows the cumulative price movement since the inception of price declines for both the nominal HPI and the inflation-adjusted HPI, as well as the time in years since the first decrease in the indices.

The four price tiers are based on the median sale price and are as follows: homes priced at 75 percent or less of the median (low price), homes priced between 75 and 100 percent of the median (low-to-middle price), homes priced between 100 and 125 percent of the median (middle-to-moderate price) and homes priced greater than 125 percent of the median (high price).

Let's get your home on the Market! When you’re working with real estate professionals like Carriene Porter of Precision Realty & Associates, you’re guaranteed to get the expertise and advice you need to Sell or Buy a home. 

Not quite ready to buy a home?  You may qualify for the Lease with a Right to Purchase program.  Call me and I'll give you the details on how you may qualify to get into the home you want, get settled and then purchase it when you are ready! If you prefer a more personal touch, CALL 801-809-9866 today.  


#LeasePurchase #UtahRealEstate #HomeSales


Source: mreport.com

Building Credit History From Scratch

How long does it take to build credit history? If you ever plan 

to buy a house, establishing a track record of past payments is essential, because it proves to mortgage lenders that you've paid people back (which means they'll be more apt to loan you money for a home).

Still, if you have no credit history—because you're young or just never bothered—how long does it take to build it from scratch?

Here's the straight dope: Done right, it can take as little as six months. Done wrong? It can take several years. So if you're in a rush to establish credit to buy a home, you'll want to know the right way to go about it! Heed this advice to learn what to do.

How long does it take to build credit?

At a minimum, you need to open at least one credit card in your name. From there, you just need to make a purchase using the card, and then make a payment. 

Once you've made your payment, your creditor will report your payment to one or more of the major credit bureaus(TransUnion, Equifax, and Experian).

'Typically, it takes at least three to six months of activity before a credit score can be calculated.' 

Once you've established credit, you still have some work to do. Credit histories are scored based on performance, much like the grades you got in school. Healthy credit behavior—like on-time payments and staying well below your credit limit—lead to a higher credit score.

What's more, there are two types of scores: Vantage Scores and FICO scores. Some mortgage lenders may look at a Vantage Score, but FHA lenders are required to use FICO scores.

'After opening their first credit account and beginning to make timely payments, it will take at least three months for the person to generate a Vantage Score, and six months to have enough information to create a FICO score,'

And the longer you demonstrate good credit behavior, the higher your score can climb from there. In other words, a couple of on-time payments is nice, but years and years of on-time payments is far more impressive, and reflected in your score accordingly. In fact, the length of your credit history can count for as much as 15% of your credit score.

What credit score do you need to get a mortgage?

Your initial credit score when building credit will typically be in the 660's, which is considered on the low end of 'fair' (fair scores range from 650 to 699). It could be just enough to buy a house with some lenders, but not all, because lenders vary regarding the minimum credit score they will accept.

You should also know that while a 'fair' score may get you a mortgage, it won't qualify you for the best mortgage—in terms of interest rates and other deals. To get better mortgage rates, you will need a good score (700 to 759) or an excellent score (760 or higher). Unfortunately, achieving these scores will take (you guessed it) more time.

How to speed up the credit-building process

To establish a payment history, use your card reasonably. Make payments on time (or early, if possible). Setting up automatic payments can help. East recommends keeping your balance below 30% of your credit limit and, ideally, paying it off in full each month. These simple steps will eventually push your score from fair to good to excellent, allowing you to get the best rates for your mortgage.

Here are some other ways to speed up the credit-building process and ensure your credit history and score get off to a good start.

• Become an authorized user on someone elses account. This can be a parent, friend, or relative who has had the account for at least a few years and has a good payment history. You don't need to use the account or even have a card. Once you're added as an authorized user and that fact is reported to the credit bureaus, it will instantly affect your credit and may generate a score if you don't already have one or, at least, give it a boost.
• Get a secured credit card or loan. If you're having trouble qualifying for a traditional credit card, try for a secured credit card, which is 'secured' by a deposit. This means that if you default or stop paying, your deposit will be used to pay off the account. This lowers the risk involved for the lender, which makes it more likely to offer you credit even if you don't have an established credit history.

Also know that when it comes to mortgages, your credit score is just one piece of a larger puzzle. According to Lynch, your lender will also look at your employment history, how long you’ve lived at your current residence, and your credit references.

Follow the advice of experts,

When you’re working with real estate professional Carriene Porter of Precision Realty & Associates, you’re guaranteed to get the expertise and advice you need.  Call me today 801-809-9866 today and I'll give you the details on how you may qualify to get into the home you want, get settled and then purchase it when you are ready!

#LeasePurchase #UtahRealEstate #Creditscore

For more smart financial news and advice, head over to MarketWatch.

How to Get a Mortgage Without Freaking Out

Wondering how to get a mortgage, but scared to death 

you'll mess things up? To be sure, buying a house is exciting, but there's a fine line between excitement and pure, unadulterated fear.

This emotional roller coaster can be partly explained by the fact that 'money represents so much more than just currency,” according to Emily Stroud, a certified financial adviser and author of 'Faithful Finance: 10 Secrets to Move from Fearful Insecurity to Confident Control.'

Consciously or not, you may equate money with power or safety. As such, funneling a large portion of your dough toward a home can be nerve-rattling.

'People put a tremendous amount of stress on themselves to not mess up,' says Nick Holeman, a certified financial planner.

So in case you find yourself freaking out, here are the Jedi-like mind tricks that can help you navigate the scarier parts of the mortgage and home-buying process—and keep your cool.

Educate yourself on how to get a mortgage

“The level of financial literacy in America is dismal,” says Holeman. 'Money is often too taboo to be spoken about in the home, and isn't well-taught in school either.”
That doesn't absolve you of fiscal responsibility. It means you're going to have to work harder to understand the info that you need when it comes time to buy a home.

Take baby steps—like checking out a home affordability calculator that crunches the numbers instantly on your income and debts and estimates what price house you can afford.

Once you can do that without hyperventilating, you can research the more nuanced idea of debt-to-income ratio (how much you owe versus how much you make) and making sure yours is no more than 36%. (Higher than that and you may not comfortably buy a house and keep your shirt.)

Too soon? Hands feeling a little clammy? Then ease off the money talk and...

Learn from other home buyers

'Friends or family members who’ve purchased a property likely felt the same anxiety you’re feeling,” points out Chris Taylor, a broker and investment property specialist with Advantage Real Estate in Boston. 'They can be extremely helpful by sharing their own experience and answering any questions you may have.'

You know your Uncle Fred who managed to buy a great home after bankruptcy? Your worrywart friend who's already on her third home? Now's a good time to ask them to share their secret sauce.

Understand the basics of a mortgage

Before you make open houses a hobby, study up on the basics of applying for a mortgage, making a payment, and some of the costs associated with being a homeowner. Ever heard of private mortgage insurance? Know about closing costs?

“Don’t go nuts,” cautions Taylor, “but get familiar with some of the key terms and major steps.” Consider it exposure therapy. Check out our stress-free guide to getting a mortgage for more info.

Talk to a mortgage lender

Before you ever set foot in a house, you should meet with a mortgage lender. This pro can walk you through the steps you need to take to get ready for the home-buying process IRL. For one, he can tell you exactly how much money you'd be pre-approved for, so you can shop for houses you know you can afford.

After you have your financial affairs in order, “you'll be able to enjoy the process of purchasing a new home without fear and anxiety,” says Stroud. (Well, maybe not 'enjoy.' Let's say 'tolerate.')

Just don't forget to... Mortgage Rates Roll Back This Week

Find professionals you trust

Sometimes it's hard to entrust your financial information to strangers, even if they're the ones willing to loan you the money you need to buy a place! As such, it's essential that you shop around for a mortgage—not only to find a professional you click with, but also to ensure you get the very best interest rate, which can vary from lender to lender. The difference of even a quarter of a percentage point could save you thousands throughout the life of your loan. And remember, although you're borrowing money from them, they're still working for you.

As such, all home buyers should meet with at least three lenders and compare what they have to offer, or meet with a mortgage broker who can survey all the options on your behalf. Same goes with finding a trustworthy real estate agent who can help you find a home that suits your needs. 

This is why when you work with real estate professionals like Carriene Porter of Precision Realty & Associates, you’re guaranteed to get the expertise and advice you need.

Stay focused on the numbers that count

“Getting a mortgage is about more than buying a house—it’s having access to a home, a place to live, a place to raise your family or retire, a place that will bring memories for years,” says Ray Rodriguez, regional mortgage sales manager at TD Bank. (No pressure!)

Of course, seeing the amount of your entire mortgage on paper may give you sticker shock. You wouldn’t be the first (and you won't be the last) prospective buyer to panic, to wonder “How am I ever going to pay that back?”

Breathe. And choose a more accurate number to fixate on: your monthly payment.

“As long as you're comfortable with that, the [home-buying process] will be easier to visualize,” assures Rodriguez.

And trust that, in general, the money you pour into that mortgage every month helps increase your home equity, which means that over time, this home becomes officially yours with no lender lording over. In other words, you have nothing to fear.

Not quite ready to buy a home?  You may qualify for the Lease with a Right to Purchase program.  Call me and I'll give you the details on how you may qualify to get into the home you want, get settled and then purchase it when you are ready! If you prefer a more personal touch, CALL 801-809-9866 today.  

#LeasePurchase #UtahRealEstate #Homeownership

For more smart financial news and advice, head over to MarketWatch.

Home Prices Are Decelerating Not Falling

It's no secret that we're in one heck of a sizzling housing 

market, with prices reaching new heights in many parts of the country. It's a go-go seller's paradise of historic proportions, with hordes of stressed home buyers duking it out to find affordable—and available—places they can call their own.

It may seem like nothing can slow down those runaway prices for everything from high-rise condos in the biggest cities to cookie-cutter, single-family homes in the suburbs.

But here's the news: There are exceptions to every rule.There are actually a few metropolitan areas in the U.S. where prices are coming down.

Housing affordability is worsening due to higher mortgage rates, which is prompting a slowdown for what home sellers are able to get for their home.

The U.S. median home price rose 4.8 percent in the third quarter, the slowest rate of annual appreciation since the second quarter of 2016, according to a new report released by ATTOM Data Solutions, a real estate data firm.  

“The continued slowdown in the rate of home price appreciation nationwide and in many local markets is a rational response to worsening home affordability—which has deteriorated at an accelerated pace this year due to rising mortgage rates,” says Daren Blomquist, senior vice president at ATTOM Data Solutions.

“Markets not experiencing this price appreciation cool down may have more of an affordability cushion to work with, but some are in danger of overheating if home price gains continue to run hot.”

Rates of home appreciation slowed in 74 of the 150 metro areas that ATTOM tracks, including Los Angeles, Chicago, Dallas-Fort Worth, Houston, and Miami—which all posted single-digit percentage gains in median home prices compared to a year ago.

“I think the key factor underpinning the decelerating price appreciation is the impact of rising rates on the monthly payment,” says Tendayi Kapfidze, chief economist at mortgage marketplace. 

“Absent financing structures that allow a borrower to increase leverage while mitigating an increase in the monthly debt service, buying power is decreasing across the board. This especially affects the marginal buyer who doesn’t have a lot of wiggle room.”

Kapfidze says buyer demand may still be high, but some potential buyers are falling out of the market and others are moving down in price due to the worsening in affordability conditions.

Counter to the national trend, home price appreciation is still accelerating in 76 of the 150 metro areas that ATTOM tracked. For example, the following markets all posted double-digit percentage gains in median home prices compared to a year ago: San Jose, Calif.; Boise, Idaho; Las Vegas; Grand Rapids, Mich.; Lakeland, Fla.; Colorado Springs, Colo.; Dayton, Ohio; San Francisco; and Atlanta. 

We are Ready to Help! When you’re working with real estate professionals like Carriene Porter of Precision Realty & Associates, you’re guaranteed to get the expertise and advice you need. 

Not quite ready to buy a home?  You may qualify for the Lease with a Right to Purchase program.  Call me and I'll give you the details on how you may qualify to get into the home you want, get settled and then purchase it when you are ready! If you prefer a more personal touch, CALL 801-809-9866 today.  

#LeasePurchase #UtahRealEstate #Homeownership

Source: “U.S. Median Home Price Increases 4.8 Percent in Q3 2018, Slowest Rate of Annual Appreciation Since Q2 2016,” ATTOM Data Solutions (Oct. 23, 2018)

First-time Homebuyers Transition from Renting

Millennials Boosting U.S. Homeownership, A larger 

number of Americans—notably fueled by millennials—entered homeownership during the summer months. 

The national homeownership rate rose to 64.4 percent in the third quarter—a half percentage point higher than a year ago, the U.S. Census Bureau reported this week.

The increase was largely attributed to a rise in first-time buyers as more millennials entered homeownership. The ownership rate among those under the age of 35 climbed from 35.6 percent in the third quarter of 2017 to 36.8 percent in the third quarter, according to the bureau's report.

“More people are choosing homeownership over renting, and a large part of that story is the historically large number of first-time home buyers,” says Tian Liu, Genworth Mortgage Insurance’s chief economist.

“In the past two years, first-time home buyers have purchased at least 1.9 million homes each year. That is more than the pace of household formation over the same period, meaning that the transition from renting to owning is the more powerful driver of housing demand.”

Buy a Home Fast—Even Before the Holidays!

Need to know how to buy a home fast since you're hoping to be settled in before the holidays?

Then the pressure's definitely on at this point! If you have any hope to host your Thanksgiving feast (or at least Christmas dinner) in your new digs, you've got to get the ball rolling on a home purchase, pronto.

Follow the advice of experts, and you'll be putting out your new welcome mat in no time. Honest.

When you’re working with real estate professional Carriene Porter of Precision Realty & Associates, you’re guaranteed to get the expertise and advice you need to Sell or Buy. 

Liu says that has been an often overlooked reason for the rapid increase in home prices. “Paradoxically, the rise of first-time home buyers, which has pushed home prices up, also is slowing home sales today.” Liu says. “These events caused the homeownership rate and home sales to diverge this quarter.”

However, the homeownership rate among several age groups did see a in the third quarter. For example, the ownership rate of those between ages 35 to 44 ped slightly from 60 percent in the second quarter to 59.5 percent in the third quarter. The ownership rate of those between the ages of 45 to 54 years old also saw a , decreasing from 70.6 percent in the second quarter to 69.7 percent in the third quarter.

On the other hand, Americans between the ages of 55 and 64 and those who are 65 and older both saw increases in ownership rates in the third quarter.

Sell a Home Fast—Even Before the Holidays!

Need to know how to sell a home fast, even though the holidays are speedily approaching? If you're thinking of throwing up your hands and giving up hope until the new year, we're here to offer hope: There's still time!

Because here's the deal: As eager as you may be to sell your home before the holidays, plenty of people out there are dying to buy a place before the holidays descend, too. So if you play your cards right, it is entirely possible to not only find a buyer, but also close the deal and move out before Santa's sleigh starts making the rounds.

Follow the advice of experts, and you'll be putting out your new welcome mat in no time. Honest.

When you’re working with real estate professional Carriene Porter of Precision Realty & Associates, you’re guaranteed to get the expertise and advice you need to Sell or Buy. 

Despite the overall uptick in the ownership rate in the third quarter, homeownership still remains far from its all-time high of 69.1 percent set in 2004. The homeownership rate has shown gradual improvement since hitting bottom at 62.9 percent in 2016.

More good news: Mortgage Rates Roll Back This Week

Not quite ready to buy a home?  You may qualify for the Lease with a Right to Purchase program. Call me 801-809-9866 today and I'll give you the details on how you may qualify to get into the home you want, get settled and then purchase it when you are ready!

#homeownership #LeasePurchase #UtahRealEstate