We are excited to announce we are now offering Utah Housing for first-time home buyers!
Due to the highly competitive market, it’s a harsh reality that first-time buyers might need an extra boost to gain entry into the market. This Utah Housing program can give them the support they need!
The program is dedicated to increasing accessible and affordable housing throughout the state of Utah, which is why they offer several mortgage loan programs to help first time buyers be able to purchase a home. These 30-year fixed-rate loans range from FHA and VA loans to conventional loans.
If cash at closing is a problem for you, the Down Payment Assistance Second Mortgage program could help you purchase with little to no cash investment. Basically, it’s like taking out a first and second mortgage, and the second mortgage covers your down payment.
A client of ours that used the Utah Housing program for their down payment had this to say, “Working with ALV made the initially terrifying process of buying my first home feel so much more doable. They connected me with a great program that assisted me with my down payment, which made all the difference when I submitted an offer on the home we loved. I’m grateful for the team’s patience in explaining everything to me and always being available for phone calls when I needed clarification. ALV did a great job working with us through the process and helping us make our first home purchase a possibility.”
We can provide the same experience for you! We’ll take the time to explain the ins and outs of the program and be readily available to answer any questions you may have throughout the process.
If you are worried that your lack of down payment may affect your chances of competing in the market, although it can be a challenge there are programs like this out there that are dedicated to helping more first-time buyers get homes.
If you think you or someone you know could benefit from this program, reach out and let’s review your situation, and get you qualified so you can begin your home search!
Since the beginning of the year we have seen rates slightly increase, however rates are still low when compared to the rates before the pandemic.I highly recommend acting sooner than later if you are wanting to make a change related to your mortgage.
My team is watching the market daily and listening to reports from experts, to help you navigate the market and find the opportune time to move forward with your refinance or purchase.If you have any questions about the market, purchasing or refinancing feel free to give me a call. I am here and happy to help!
How to Save Water at Home:
- Repair leaky plumbing and faucets.
- Reuse cooking water in the garden.
- Scrape dishes into the trash and soak pots and pans before washing.
- Thaw frozen foods in the refrigerator, not under running water.
- Use the same glass all day for drinking water.
- Cut shower time.
- Replace an old washing machine with low-water models. It can pay for itself through energy savings, while using half as much water.
- Turn off the faucet while brushing teeth.
How To Save Water Outdoors:
- Mulch your plants.
- Avoid overwatering.
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- Adjust the lawn mower’s blade height to a higher setting.
- Select drought-tolerant plants that require less water to thrive.