Northern Utah Lifestyle Blog

Lifestyle

Found 36 blog entries about Lifestyle.

Stay Up-To-Date on the Latest Information Regarding Forbearance

forbearance for mortgages

Navigating through the information regarding forbearance and what it means for you can be tricky, so we’ve compiled some important tips and information to help you navigate the process.

The CARES Act stimulus package requires servicers to provide forbearance - a temporary postponement of payments - to any homeowner with a federally backed mortgage if requested. If your mortgage is not federally backed, you may also be able to receive forbearance, but you would need to reach out to your mortgage servicer for specific information.

According to the Mortgage Bankers Association's (MBA) latest Forbearance and Call Volume Survey, which revealed that the total number of loans in

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Avoiding Foreclosure by Using Short Sales - What Are the Risks?

In essence, a short sale occurs when a lien holder agrees to take less than the amount owed on a property in order for the owner to successfully sell it. There are varying reasons to short sale a property. Owing more on a property than it is worth is obvious, but most owners could just wait until a market recovers if other circumstances in their lives would allow for this. This is not a reason for a short sale on its own however.

With the current crisis be sure to review our article on Covid-19 loan forbearance and the help it could provide for those with federally backed loans. As well, all things have a dark side so be sure to review the risks associated.

Real estate values

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Navigating New Construction

Simple Ways to Take the Stress Out of Moving into a Brand New Home

If you already own a home but are planning to move into a new construction home, consider placing your current one up for sale prior to the completion of the new one. Once the current residence is sold, it can bring peace of mind that one step of the transition process is complete. Another benefit of selling your current home early is avoiding two house payments, double utilities, and the time and effort involved in managing an empty home. 

There's also a downside to selling before the new construction is complete. It may require two moves, but if you negotiate creatively and have a good agent, you may be able to avoid that. One option is to put your home under contract but set

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why wont my house sell

Generally speaking, home sellers want their home sold as quickly as possible. When the process takes longer than expected, the seller wants to know why (rightly so). We’ve compiled a list of the most common mistakes that lead to a real estate listing not selling, and how to fix them!

 

  1. Photos Suck
    The photos suck.

    First Impressions Matter!

    The search starts online; over 93% of buyers are using the Internet to find their home. Bad lighting, grainy quality, or even just bad angles can turn someone off in an instant. Hiring a professional photographer costs more but pales in comparison to the amount of money you are leaving on the table if you don't. Read more about professional real estate photography HERE.

  2. Staging
    As is?” Psh, as if.

    Repairs,

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Hardship Letter is One of the Most Important Documents in Loan Modification and Short Sale Processing

how to write a hardship letter

Borrowers who are considering a short sale of their property or doing a loan modification must be prepared to provide the lender with a hardship letter. This letter describes the financial distress which the Borrower is undergoing. Along with the financial information such as tax returns, personal financial statements, cash flow worksheets, etc., the hardship letter paints a very good picture of the Borrower's situation that the tax returns and other hard numbers may not convey.

A hardship letter should not be longer than one page. It can be, but it is better to present your case clearly and concisely in three to four paragraphs at the most.

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In the midst of a pandemic, we could all use a bit of humor to help us laugh through the pain. We've compiled a series of the best memes around, we hope you enjoy them as much as we have. 

This video contains colorful language.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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rooster's brewing company

In order to help support local businesses through this trying time, Mountain Luxury is offering free dinner delivery on Tuesdays and Thursdays, bringing Ogden Valley food from their favorite Ogden eateries. Just place an order with the featured restaurant and let them know it’s for the Mountain Luxury Pickup at 5:30 pm and then comment with your first and last name below. We will reply to your comment confirming we’re picking up your order. Please note on your comment whether you are Huntsville or Eden pickup! Huntsville residents will pick up their order from the Huntsville Postoffice at 6:00 pm. Pickup for Eden residents will be at the Mountain Luxury office at 6:30 pm. Just look for our van! If you need to get in touch with us please call

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We would like to take this opportunity to update you on the recent changes in our local real estate office due to COVID-19.

Covid-19 response from Mountain Luxury

Our Offices

Our real estate teams will be working from home and will still be accessible by phone call, text, and email daily. Our office will be staffed with one employee to handle phone calls and deliveries. Our remaining staff will be working from home. We have implemented the “no more than 10” policy with our meetings, etc. We do have a notary that can help with any legal documents. This is by appointment only, please call 801-745-8400.

Sellers

If you are a seller and are comfortable showing your home, we recommend staying pro-active by wiping down surface areas. We will be asking additional pre-qualifying

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ogden marathon training runners

Congratulations it’s RACE WEEK!!! 5/14

It’s week 17 and you should feel pretty excited to get after your goal this Saturday. You might feel that after a three week taper, you are super energetic and ready to tackle the race you have been training for all winter. On marathon morning, make sure you don’t change anything you did to prepare for you previous long runs. Any change in your diet, clothing, shoes, or other items you haven’t used before could be trouble. Stick with what you have done for the past 17 weeks and have the time of your life. The work has been done. You’re ready. Now go get it!!

Here is this week’s plan: 

Monday: Easy cross training session of biking or rowing or swimming

Tuesday: 5 miles at about your predicted

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Mountain Luxury is Hiring

We are looking for a strong Python Developer with experience in system architecture to jump on board with us as we continue to develop and maintain various software and web products.

You will collaborate, brainstorm and crack jokes with the team to strategize the best solutions. You also write and test code, debug programs and integrate applications with third-party web services.

We are located in Eden, Utah near 3 ski resorts, next to a lake, and actually believe in living an awesome life. You aren’t allowed to work on your birthday; we expect you to use your vacation and are fine if you take the morning to catch the fresh powder before rolling in. It is a pretty great place if you want some control over your life and work with a chill team

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