Don’t wait till next Summer to sell

unnamedSummer has come to an end and you probably are thinking you’ve lost the opportunity to sell, and need to wait till next summer. But that’s far from the truth! Although it’s not as hectic and crazy with the swarm of buyers on the market, the fall season brings out the most serious of lookers. They are the pool of buyers that waited out the summer frenzy to find their perfect home in the fall, and you don’t want to miss these buyers! They are ready to make a move, today! And selling in a slower period does not equate to less money. That’s a misconception that home owners have based on untrue data that floats around. With the right agent, and your home being priced correctly, you can get a great deal selling your home during the fall season. And might actually prefer it. Here are the top 3 benefits to listing during the fall season.

1. Serious Buyers – Let’s be honest, if buyers are out during the busy season, looking for homes, they are serious and ready to buy. Although the summer brings in a large crowd, that crowd contains a lot of people that are excited by the season, and fall into the “trend” of house hunting. These people end up not really being serious about the process, and tend to hold off for another time. If people are investing time to look during the fall season, they are more likely to be interested in actually buying your home, instead of touring it.

2. Less Competition – Selling in the fall isn’t something many families can accomplish due to personal schedules. That’s why a significant amount of homes get listed during the summer season. Which means that summer time brings in a lot of competition. Selling in the fall means the potential house next door that has slightly more perks that may have been listed during the summer, doesn’t make your home sit stagnant, since everyone wanted your neighbor’s house. It also doesn’t devalue your home because of the house that could go up next door that could be under-priced in your neighborhood, and draw all of the attention.

With a slower season, you get dedicated attention to your property, which increases the chance of a sale.

3. Easier to Find Your Dream Home – Not only do you get to benefit from a slower season during the selling process, but you can also benefit on the buying side. With less competition on your dream house, you can get a better deal. The summer brings a lot of missed opportunities for buyers on their dream homes, because they go off the market instantly. This will give you the opportunity to get your home on the market and take your time to find the right one to resize into. A much calmer pace to the transaction will make it less stressful, and everyone all around happier. Don’t feel rushed into buying a home overnight during the summer, it could turn into a headache. If you want a far more peaceful transaction, that has calmer pace, then selling during the fall is perfect for you.

When To Refinance Your Mortgage

When to refinanceRefinancing can be a smart, money saving move. However, this is not always the case due to the costs associated with refinancing. This means that sometimes getting a lower interest rate doesn’t necessarily save you money in the long run. Consider the following when determining if refinancing is the right move for you at this time.

  1. Your Current Interest Rate

Generally, if you are in position to get a lower interest rate, looking into refinancing is worthwhile. Just make sure to consider how long it will take to recoup another round of closing costs associated with the refinance. Check out the current mortgage interest rates in Utah.

  1. The Closing Costs

After deciding that you might benefit from a refinance despite the closing costs, you will want to look at and understand how you will be paying for these fees. A few of the options available are paying the fees out-of-pocket and up-front, adding the fees to the loan amount or opting for a higher interest rate to cover the fees.

  1. Any Prepayment Penalties

Yes, some mortgage brokers, banks and lenders charge you for paying off your mortgage early. So if you’re lender charges a prepayment penalty you will have to the pay the penalty in order to refinance which increases the associated costs.

  1. How Long do You Plan on Staying in the Home?

The length of time you intend to stay in the home is important in terms of determining the worth of the closing costs. You will want to recoup the expenses before you move on to your next home to make refinancing worth it.

  1. Your Credit Score

The better your credit score, the lower your interest rate will be. Basically, if your credit score has improved you could now qualify for a much lower rate. We advise that you check your credit report to ensure accuracy.

  1. Your Debt-to-Income Ratio

Lenders usually require that your debt-to-income ratio is below 40 percent. In terms of refinancing, this is good news if you have paid off old debt or increased your income.

  1. Your Current Equity

Lenders also like to see that you have built up some equity before qualifying you for a refinanced loan. In some cases, acquiring 20 percent equity saves you money by allowing you to refinance to forgo the private mortgage insurance.

  1. The Term Length of Your Loan

Refinancing your loan to a 30-year mortgage over and over can be counterproductive. You never get closer to the goal of owning your home outright. Refinancing to a 15-year and even 20-year loan often offers lower interest rates and decreases the total amount of interest you pay over the length of the loan.

Is This Your Year For Finally Buying A Home?

With Utah’s strong economy and affordable housing market, it comes to know surprise that more millennials are turning towards home ownership. Already in Ogden and Clearfield, an estimated 39.8% of new homes were to sold to those between 25 and 35, according to Builder.com home-1194442_640

For first time home buyers, purchasing a home can be an intimidating experience. As you start the process to toward buying a home, take some time to ask yourself these questions to make sure you understand what you’re getting into. If you’re not prepared, home ownership can stretch you financially.

Once you’ve decided your ready to buy a home, take a moment to get pre-approved by your bank, credit union, or a mortgage lender can help you get a home loan. This is also a great to time to talk to them to find how much you can afford. Be aware of the extra costs and taxes (property taxes, HOA fees if you’re buying a townhouse or condo, etc).

A real estate agent can help you during this process of finding a home and is there to answer all your questions. If you’re ready to move forward in buying a home, give us a call and let us help you find your dream home.

Fun summer activities in Weber County

Are you planning to visit Weber County this summer? Well, Weber County is known to be a place that is full of fun activities. You can spend a great time by getting involved in the best outdoor activities or visiting the best places in the area. There are a lot of events that are conducted for the people who are visiting the area and for those who are the permanent resident. Overall, the place is full of fun activities. Here are some summer activities you can do in the Weber County to spend some quality time with your friends and family:

1.    Visit Dinosaur Park and museum:

One of the best things about the Weber County is the dinosaur park. If you have kids along with you, this trip will be the best one for them. The park contains around 100 replicas of full-size dinosaurs. These sculptures are actually based on the fossil skeletons and they are activated with the help of robots.

2. Peery’s Egyptian theater:

The next place to visit is the Peery’s Egyptian theater that is build up in an Egyptian style. It is located in the Washington Boulevard in Ogden. The theater was burned and then it was saved and reopened for the people in 1997. It is not just used as a cinema but also used as a platform for performing arts.

3.    Enjoy art places:

When you are at Weber County, you can have the experience of both sides, the best art and a different but somewhat terrible form of art. The Seattle Art Museum is a place that can instantly satisfy your art soul. On the other hand, the museum of bad art will be the place where you can find a lot of interesting art pieces that are beautiful in their own kind.

4.    Other summer activities:statue-445906_640

Apart from all the activities that are explained above, you can also get involved in the following summer activities in Weber County.

  • Get to know about the stones in the Rock Shop.
  • Learn to cook Japanese food.
  • Have a walking tour with your partner to Historic Ogden
  • Go for a bike ride to Ogden River Parkway
  • Get a great experience of hiking on different trails
  • Plan a trip to the farmers market
  • Go to flea-market
  • Visit the tree house museum
  • Visit the snow basins series of summer concerts

Apart from all the summer activities mentioned above, there is a lot more in Weber County. To find out, you have to visit once.

 

 

Reference links:

  1. http://indieogdenutah.com/50-family-friendly-things-to-do-in-ogden-this-summer/
  2. https://www.yelp.com/search?find_desc=Things+To+Do&find_loc=Weber+County%2C+UT

BEEF FLAUTAS WITH BUTTERMILK AVACADO CREMA

BEEF FLAUTAS WITH BUTTERMILK AVACADO CREMA8b934a8a22baacd2d8884fd54ee75a81

Ingredients:

1            Pound fresh Mexican chorizo (casings removed – about 3 links)

½           Cup copped white onion

2            Garlic cloves, minced

1            Pound fresh lean ground beef

½           Teaspoon chili powder

1            Teaspoon salt – divided

¼           Cup chopped fresh cilantro

12          Six-inch flour tortillas

1            Large egg, lightly beaten

1/3       Cup canola oil

1            Ripe avocado, chopped

1            Cup sour cream

½           Cup buttermilk

1            Tablespoon fresh lime juice

Instructions:

Crumble chorizo in large skillet and cook over medium-high, stirring occasionally about 5 minutes. Stir in onion and garlic and cook, stirring occasionally until onion is tender about 5 minutes. Add and crumble ground beef. Add chili powder and ½ teaspoon of the salt. Cook, stirring often until beef is browned and done, about 10 minutes. Remove from heat and stir in cilantro

Using a slotted spoon, divide chorizo-beef mixture evenly among the tortillas (about ¼ cup per tortilla), placing mixture just below center of each tortilla. Roll tortilla over filling, leaving about 1 inch of tortilla exposed. Brush exposed edge with a small amount of beaten egg and press gently to seal roll.

Heat oil in large skillet over medium heat. Fry flautas in batches until crispy, 3-4 minutes per side. Drain on paper towels.

Process avocado, sour cream, buttermilk, lime juice and remaining ½ teaspoon salt in a food processor until smooth.

Serve flautas with creama.

 

Serves 4

Gourmet Macaroni and Cheese

Gourmet Macaroni and CheeseThe Waters Group Website Logo

Ingredients:

1 pound macaroni (elbow or penne or twist). Can use gluten free but they tend to fall apart.

Sauce:

6 tablespoons unsalted butter

6 tablespoons all-purpose flour

2 cups heavy whipping cream (heated to almost boiling)

2 cups milk (heated to almost boiling)

1-1/2 teaspoon salt

1 teaspoon pepper

½ teaspoon nutmeg

1-1/2 cup freshly shredded sharp (or extra sharp) cheddar cheese (about 6 oz.)

1 cup freshly grated parmesan cheese (about 3 oz.)

1 cup freshly shredded mozzarella cheese (about 4 oz.) (can substitute sharp cheddar cheese)

2 large egg yolks

1 to 1-1/2 teaspoons dry mustard powder (may substitute horseradish)

Topping:

1 tablespoon melted butter

¾ cup Panko breadcrumbs

¼ cup freshly grated parmesan cheese

¼ teaspoon garlic powder or 1 fresh clove garlic pressed

Directions:

Preheat oven to 400 degrees.

Butter 10-12 cup baking dish.

Cook pasta according to instructions to al-dente, rinse in warm water and set aside.

Making the roux (basic white sauce start):

In a heavy large saucepan over medium-high to high heat, melt 6 tablespoons butter. When it bubbles, gradually sprinkle and whisk in the flour to form a smooth paste. Reduce the heat to medium. Cook, whisking constantly for 2 minutes without browning.

Whisking continuously, gradually pour the hot milk and cream into the roux. Adjust the heat to maintain a simmer. Add salt, pepper, nutmeg, mustard. Briskly whisk the egg yolks into the pan.

Making the cheese sauce:

In three batches, whisk in the cheese (except parmesan cheese) until smooth. Simmer over low heat, whisking often until the sauce is thick enough to coat a spoon, 15-20 minutes. Add the parmesan cheese whisking until smooth. Adjust seasonings to taste.

In large mixing bowl combine macaroni and cheese mixture, stir well to coat all pasta. Spread the mixture in the buttered baking dish.

Mix together breadcrumbs, garlic, parmesan cheese and melted butter.  Sprinkle over the macaroni mixture.

Cook in the center of the oven for 25-35 minutes uncovered until the pasta is heated through and the topping is crisp and golden brown.

National (Eat More) Fresh Fruit and Vegetables Month

National (Eat More) Fresh Fruit and Vegetables Month canstockphoto5588746

With more than 90 percent of adults and children not eating the recommended amount of fruit and vegetables, eating more matters. Everyone can benefit by adding just one more serving of fruits and veggies and we’re here to help! Following are few tips and reminders to get you trying something new.

Eating enough fruit and vegetables is essential for proper nutrition. But just how much should you eat? You should consume between five and 13 servings per day according to the 2005 Dietary Guidelines for Americans. For most fruits and vegetables one serving equals a half cup.

Remember to fill half of your plate at every meal including snacks with fruits and vegetables. All forms including fresh, frozen, canned, dried and 100 percent juice count toward your daily intake. For more information, visit Fruit and Veggies – More Matters.

Five quick tips to getting more fruits and vegetables into your diet.

  1. Breakfast Boost

The benefits of eating a healthy, balanced breakfast are immeasurable! You can jumpstart your metabolism, boost your performance at work or school, maintain a healthy weight and is the perfect time to sneak in and extra serving of fruit or vegetables. For ideas on adding more fruits and veggies to your breakfast click here.

2. Double-Down on Veggies

A little extra chopping can go a long way. Most soup, salad, pasta, sandwich, pizzas and casserole recipes call for a certain amount of vegetables. You can easily double the amount called for in the original recipe to get more servings and increase your vegetable intake.

3. Snack Attack

Healthy snacks curb hunger throughout the day and provide energy along with important nutrients. You can make all of snacks revolve around fruits and vegetables by stocking your countertops, pantries, fridges, desks, cars and bags like purses and back packs with any form to help get you to the daily recommended intake.

4. Dessert – Yes Please!

Desserts tend to get a bad rap for being an occasional sweet treat. However, fruit based desserts not only add an extra serving of fruit to your intake but also offer a light, refreshing and naturally sweet ending to any meal.

5. Supersize Your Salad

The potential for a nutritional gold mine lies within salads. Easily get half of your daily intake with one glorious (and delicious!) salad. Rich with fruits and vegetables an entre-sized salad packed with servings on top of servings is one healthy eating habit you can’t afford not to make!

Kelly Waters Earned Ranking for 2015 Home Sales.

Local RE/MAX Agent(s) Named Among “America’s Best”

Kelly Waters with The Waters Group Earned Ranking for 2015 Home Sales

 Layton, Utah, July 20th – Kelly Waters (The Waters Group) with RE/MAX Metro is among the 2,691 RE/MAX agents and teams featured in the 2016 REAL Trends “America’s Best Real Estate Agents” survey. The agents included in the survey represent less than 1 percent of all real estate professionals in the United States.

“We truly consider it an honor and a privilege to be given the opportunity to serve you and to forever be your real estate professionals of choice.” said Waters. “Being recognized alongside so many hard working and dedicated real estate professionals is an accomplishment, and we’re honored to be named among ‘America’s Best’.” 

“America’s Best” is the industry’s largest ranking of agents based on homes sold in 2015. The survey is open to individual agents who closed at least 50 transaction sides or $20 million in sales volume and teams who had at least 75 sides or $30 million in volume.  The fourth annual ranking groups agents by state and metro area. Both individual agents and teams are recognized for their number of transaction sides and/or sales volume.

The Waters Group has more than 10 years of experience in the Utah market. This is the first year The Waters Group has been recognized among “America’s Best.” RE/MAX agents accounted for 22 percent of the more than 12,000 participating agents who qualified for the survey. This year, RE/MAX had more agents named in the survey than any other brand.

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About RE/MAX Metro:

RE/MAX Metro is a locally owned and operated full-service real estate brokerage located in Layton, Utah.The brokerage has 82 Realtors® and specializes in Residential and/or Commercial real estate. RE/MAX Metro is a proud supporter of Children’s Miracle Network Hospitals® and other charities, and is located at 579 Heritage Park Blvd. Layton, Utah 84041.             

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Top Father’s Day Gift Ideas

 

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Father’s Day is a special time to celebrate dad and let him know he’s still our #1 guy. However, sometimes finding the perfect gift for dad is not is easiest thing, especially if he already has everything.

To help you come up with the ultimate gift for your pops, or give you a direction to explore, here are * noteworthy gadgets and services looking into.

  1.  Dollar Shave Club Membership. Help dad stay looking his best this year with these high quality razors and grooming products, starting at $3.00 a month. There’s various razors, face moisturizers with screen, and hair care products any dad would love.
  1. Essential EDC Kit. Does your dad enjoy spending time in the great outdoors? Give him the gift of a paracord pod EDC (everyday carry) kit! This ultimate key chain gives dad the most need tools he’ll need while outside fishing, camping, and hiking.
  1. Amazon Fire TV Stick. After a long, hard day, there is nothing more relaxing than sitting down and watching your favorite movie or show. If you’re dad enjoys streaming, the Amazon Fire TV Stick is a great gift to give dad a better picture while watching TV.
  1. Hipstreet Touch Gloves. Although the cold months are a little ways away, being prepared for the winter is a good idea. These warm and cozy gloves are touchscreen compatible with any device which means dad won’t have to keep taking off his gloves to use his phone this winter.
  1. Grillbot Automatic Grill Cleaner. If your dad love to grill, but hates the clean up the Grillbot Automatic Grill Cleaner may be the perfect gift. Brushes are easy to remove and dishwasher safe so dad can have fun grilling this summer.
  1. Scene It? Seinfeld Edition. Is your dad a fan of the TV show, Seinfeld? This game is packed with trivia questions and real clips, it’s sure to entertain dad and the rest of the family for hours.
  1. Detroit Grooming Company Beard Butter. Made from the best and finest organic ingredients, Detroit Grooming Co. beard butter will leave dad’s beard feeling softer and moisturized. Enter the code ASKMEN for 20% off all orders.
  1. MPowered Inflatable Solar Lantern. This lantern with a waterproof PVC enclosure delivers up to 80 lumens, providing up to 15 square feet of light. The perfect gift for dad, this solar lantern is designed to float in water and is a fun addition to any social gathering.
  2. 9.Grid-it Organizer. Today there are various cords that go with each device, it’s  hard to keep them organized and to remember which cord goes with which device. Help dad get more organized this year with this Grid-it Organizer. Now dad won’t forget his keys, phone, or chargers when he travels.

 

Need more ideas? Check out these Top Father’s Day Gift Ideas.

What would you add to the list? Tell us about your best gift to dad below in the comments.

6 Must Do Habits To Succeed In Life

With the new month, now is the time to set new goals or refocus your objectives. To help give you a fresh start, here are 6 habits to incorporate in your daily routine to boost your success:

  1. Talk it out. Don’t let problems build up. Instead take some time tonight, each month, to discuss your finances and other issues with your spouse. Even if there isn’t an issue right, keeping the communication lines open is important (even in business partnerships).
  1. Make smart hires. If you’re expanding your team, hire new people who will benefit the team and be a team player. Ask yourself, what characteristics do you value in potential hires?275H
  1. Slow down. We live in a busy world, with commitments (both professional and personal) and the constant chatter of social media. Take a moment to slow down, unplug, and reconnect with yourself, family, and friends. Also, when at work, make it a habit to avoid rushing through things and delivering quality work to each project.
  1. Take some smart risks. If you’ve been hesitant to decide on a big decision that’s been on your mind, why not take the leap and just do it? Now is the time to trust your gut and go for it. What do you have to lose and, if nothing else, you’ll learn from the experience.
  1. Partner up. When it comes to personal and professional relationships, you can’t always do things alone. Before you go to bed tonight, write down the names of the people who can help you reach your next goal. Then, ask them to be your mentor or, if they’ve succeed where you want to go, ask them to share their insights and what they did to get there. Most people are happy to share their insights.
  1. Find your why. We all have moments when we feel unmotivated or are unsure which direction to go, but if you know your why—the purpose behind your work—the better you’ll be able to clearly communicate that to your team and clients.

Want to learn a more tips to help you succeed? Check out this article by Success Magazine. Have something to add? Tell us about some things you’ve done to reach your goals below in the comments.