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Pre-Qualified? Pre-Approved? What's the Difference?

October 30, 2009

With so many terms and definitions in the real estate market, it's hard to know what everything means. Would you rather be pre-qualified or pre-approved?

Pre-qualification is a summary of what you can afford. It's a “ballpark” figure based on a thorough snapshot of your financial health. At this stage, you are still subject to more vigorous final approval.

Pre-approval is proof to real estate agents that you are approved for a loan. It is based on verification of your income and a satisfactory appraisal of your property.

Pre-approval is much more than being pre-qualified, but pre-qualification is an important step in getting pre-approved. If you're pre-approved let’s talk because it’s time to start looking for homes. If you need a recommendation on a loan officer please let me know. They are helpful, friendly and honest and will help you with the home buying process. Cache Valley, Utah is a great place to live and there is no better time to buy a home in Logan, Utah. Contact me at 435-757-5533 or visit my interactive Web site at www.loganhomefinder.com.

Posted by Mike Whitesides

 

Time to buy a house? Find a Realtor in Logan, Utah

October 29, 2009

When you are in the market for a new house, it's important to choose a Realtor that will listen to what you need and will use all the resources available to help you get the house you want.

The first thing to know is to be upfront and honest with your Realtor. The more information you give your Realtor, the more they will be able to find the home that you're looking for. Realtors have access to the Multiple Listing Service (MLS), a comprehensive database of past and present listings i...


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Posted by Mike Whitesides

 

Government tax credit makes this a great time to buy a home in Logan, Utah

October 28, 2009

Housing prices are low and the government is giving first-time homebuyers an $8,000 tax credit for buying. There is a deadline – the transaction must be completed by November 30, 2009. It usually takes 45-60 days to close a deal, so the time to buy is now.

"If you have the cash and a stable job, this is a perfect time to buy a house," said Ilyce Glink, author of "100 Questions Every First-Time Home Buyer Should Ask.” "But people are running out of time.”

This credit amounts to ...


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Posted by Mike Whitesides

 

Report: Logan ranked a safe college town

October 27, 2009

Utah State University in Logan, Utah has made the list of 25 safest college towns, according to the news and opinion website, The Daily Beast. USU is ranked 13th of 4,000 colleges surveyed.

According to The Daily Beast, which quotes Morgan Quitno Press, Logan is ranked among the safest metropolitan areas in the country. The Daily Beast also quotes USU Police Chief Steve Mecham as saying the school's good faculty and safe community helps USU achieve such rankings.

The data used in the...


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Posted by Mike White

 

What is the Multiple Listing Service?

October 26, 2009

The Multiple Listing Service (MLS) is a database of real estate listings in a specific area. The MLS allows sellers and buyers to exchange information on real estate. As part of a listing contract, a real estate agent will list information on a property so homebuyers and other agents can search and compare properties so both the buyer and the seller can get the most value for their money.

Homes in Logan and Cache Valley are listed with the MLS. Anyone looking to buy a home in Cache ...


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Posted by Mike White

 

Job Opportunities Make Utah a Prime Place to Live

October 23, 2009

More and more people are buying homes in Utah as more tech industry jobs come into the state. More job opportunities equal more people moving into the state. Also, Utah is a prime place to live because of the affordable cost of living. Many homebuilders also live in Utah. With all these things going for the area, Utah is a great place to buy a home.

Nestled in the Cache Valley, Logan, Utah espouses all of these traits of living in Utah. Close to shopping and Utah State University a...


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Posted by Mike White

 

Short Sales – What to Know

October 21, 2009

Ever heard short sales but don't know how they work? 

A short sale is a pre-foreclosure sale when a home facing foreclosure – but not officially foreclosed on - is sold at a price less than the debt owed.  A buyer gets a great deal on home and a seller avoids foreclosure. 

A short sale buyer still needs to be prequalified for the purchase and have an agent already. 

In May, the US Treasury offered incentive for buyers to participate in short sales.  If borrowers meet the minimum re...


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Posted by Mike White

 

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October 14, 2009
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Posted by Mike White

 
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