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.

Choosing the Right Agent

canstockphoto33930262You need an advocate when purchasing a home. The right agent will be an indispensable asset in your house search. An excellent agent will have these qualities:

  1. Education – Professional and successful agents have advanced training and education. This knowledge has earned them prestigious designations in the real estate field and has advanced them to be among the top agents in the world.
  2. Experience & Expertise – You want a full-time agent who is knowledgeable about the area and the types of properties you’re seeking. You also will want them to be tech-savvy in marketing and advertising strategies.
  3. Availability – Your agent should promptly and decisively act during the purchasing process. They should make a point to keep in touch with you and update you consistently. They should be easy to reach and available on nights and weekends for open houses and when most sellers are showing their homes.
  4. Excellent references – They should have great references including rapport and credentials. Ask them for a list of references to see how others’ experiences have been with this agent. Above all, they should genuinely be committed to addressing your needs, interests and concerns every step of the way.

If selling your current home, your agent also will help you assess what your property is worth. Independent property seller often over estimate the value of their property. Avoid this by selecting the perfect real estate agent for all of your real estate needs.

5 best hiking trails in Davis County

Small hiking group

If you love to hike around the beautiful places on this earth, you will be pleased to know that Davis County contains a lot of hiking trails. All of these trails has some specialties that make them the best choice for the people who are interested in hiking the trails with different attractions. Here are the best hiking trails in the Davis County you must visit once in your life:

Deuel Creek:

It is one of the most beautiful hiking trails in the Davis County. The trail contains different pools that can be the best place for hikers to relax or to get a bath to refresh themselves. Moreover, the trail has snake grass through its passage along with a breathtaking waterfall. As the name suggests, the trail will pass from different creeks but don’t worry about that, there are some bridges that are specifically built to facilitate the hikers in completing their journey.

Elephant Rock:

The next trail of Davis County in the list is elephant rock trail that is covered with the oak trees and tall pines. It is also considered as one of the most fun trails you can enjoy with your friends and family. The length of the trail is around 6.8 miles and it is not too steep.

Francis Peak:

The next on the list is the Francis peak in Davis County. A peak is a stunning place where you can have the view of the surrounding countries. However, there are several ways of going to the peak. One is through hiking that will be done from the Bair Canyon. The second way to reach the peak is to go through a drive. It will be about 24 miles.

Adams Canyon:

This has to be included in the list because this trail in Davis County leads the hikers to a beautiful waterfall that is 40 feet tall. Although the trail contains some steep areas but people of all ages can have fun on it. Bring children or your grandmother along to spend a perfect day. Moreover, the trail also crosses the Bonneville Shoreline that offers the opportunity to the hikers to go for that trail too.

Parish Greek pictographs:

There are a lot of people who still don’t know that they will be able to see pictographs by the Native Americans all over Utah. One of these locations includes Parish Greek in Centerville. It is considered to be a comparatively easy hike for most people. It is a short hike to see the pictographs; although they are a bit faded now but they can be clearly seen.

 

These are the best hiking trails that are present in Davis County. Do take some time off and visit these places.

 

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

Summer Home To-Do List

new-england-1336172_1280When purchasing a home, a great many people presumably first think about the money related duty. Try not to give yourself a chance to overlook, in any case, about the time and work that home proprietorship additionally requires.

Much the same as general oil changes for your auto keep your motor cheerful and solid, staying aware of standard home support errands will keep you from future migraines and squandered cash.

It can scare to consider these different assignments, particularly in case you’re another mortgage holder. It’s a considerable rundown — there’s no denying that. The uplifting news is that you can do the lion’s share of it all alone without much experience. Google is your closest companion, and in the event that you truly stall out, ring your nearby jack of all trades to bail you out.

With a specific end goal to expand your effectiveness and really complete these assignments, you might need to make a home support timetable for yourself. Regardless of whether on the web or on paper, you can scribble down little, standard assignments for each end of the week and not be excessively overpowered.

We’ve recorded undertakings that should be done with summers in minf. We’ve additionally given you a rundown of undertakings to be finished regularly. Not each master concurs as to which errand should be done in which season, so this isn’t a highly contrasting rundown, essentially. Do what works for you and your calendar, and the length of every one of these things get refined, your home will be upbeat for quite a long time and years to come.

  • Check Bathroom and Kitchen: These essentials should always be kept in mind and not forgotten. They help households enjoy the summers without much hassle and keep the home clean and lively.
  • Clean Exhaust Vents: While the dryer is running, watch that the fumes is turning out. It ought to smell pleasantly of new clothing. On the off chance that there isn’t much fumes, check for blockages and additionally you can. You may require an expert. Additionally vacuum the build up from the hose at the dryer.
  • Clean Garage: Cleaning the garage ought to be a late spring custom for each man. Keeping it spotless and clean will expand its life, and it frequently gets ignored of consistent care. With all the additional tidy it gets from the activities you’re taking a shot at, you ought to in reality clean it significantly more. Once per year, be that as it may, give an exhaustive experiencing.
  • Check Air Conditioning System: Summers can be brutal but they do not have necessarily have to be if the air-conditioning is in order. One must check them to fully enjoy summers and not be miserable for the entirety of the season.

To conclude, this list of summer home organizing is not exhaustive but gives a relatively good idea what households must do in order to enjoy the brilliant season and not worry about trivial things.

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!

Benefits of Knowing Your Utilities Before Moving In

UtilitiesBuying a home is a big decision and one that should be taken lightly. While you’re following through your due diligence and moving forward in finding your dream home, there is a lot of information to digest. One important factor many homebuyers overlook, or ignore, is asking about utilities.

Now is the time to ask the seller’s agent for the last year utility bills. Although the seller is not obligated to give you this information, it never hurts to ask. Plus, it will help you establish a realistic budget on what you may pay on your monthly utility bills. In addition, if the utility bills come back on the high side and are out of your price range, you have time to walk away.

If you’re still good on moving forward with purchasing your home, once you’re in the final stages of closing on the home, now is the time to transfer the utilities under your name. Before you do this, ask your real estate agent about when the best time to do this is.

To keep the transferring process simple and quick, here are 5 simple tips to follow:

  1. Determine your shut-off and activation dates.
  2. Have your account numbers in front of you when you call.
  3. Pay any balances that may be lingering.
  4. Provide a forwarding address.
  5. Check all your features after activation.

Want more tips for making the transfer process easier, check out this article by Unpack.com. What are some things you wished you’d known before buying your first home?

Real Estate Advertising vs. For Sale by Owner

Real Estate Advertising vs. For Sale by Owner

When deciding to list, many homeowners contemplate their opSOLD Signtions: employ a real estate agent or go it alone and list for sale by owner (FSBO). Both scenarios have their benefits and challenges. It all comes down to getting the most bang for your buck.

The National Association for Realtors reports that an agent could sell your house for 13 percent more than you could. It is true that the average selling price in 2014 for FSBO was $208,700 compared to $235,000 for agent-assisted home sales. However, roughly nine percent of FSBO homes are mobile or manufactured homes which have a lower selling price point anyway.

So what is a seller to do? Evaluate what exactly a realtor brings to the table and then decide if you can manage all of what they do on your own.

Your realtor will handle all aspects of the selling process. Essentially, you will benefit from hiring a realtor for these five reasons:

1.They will do all of the negotiating

At first glance you might be thinking, “What’s so great about that? I can negotiate just as well. I got the salesman down $1,500 on the price of my car.” But many don’t realize how many people are involved in the real estate transaction process. If you decide to list FSBO, you can expect to work with all potential buyers, all of their agents, in some state’s the buyers’ attorneys, home inspection companies, appraisers and banks. For some, paying the agent’s small commission ends up pays for itself right here.

2. They ensure exposure

There’s no denying that the internet gets results. You can’t afford not to have a solid strategy ready to promote your new listing when 92 percent of buyers search online listings. The days when putting up a sign and listing in the paper would work are over. Real estate professionals use multiple listing services and employ numerous marketing strategies to get your listing the exposure it needs.

3. They handle all of the paperwork ensuring a smooth sale process

Minus a lot of signatures of course. The paperwork involved in a real estate transaction has increased over the years as industry regulations and disclosures have become mandatory. An experienced agent will not only know what paper work you need but can act according to ensure an error-free, successful and smooth closing.

4.Buyer perception

Oftentimes buyers see FSBO as the chance to get a steal-of-a-deal. You could get taken advantage of unless you have the necessary skills needed in selling your home. Another consideration, the majority of buyers will be represented by an agent of their own. This means that if you are saddled with paying the buyer’s agents commission you are only saving 3 percent.

5. You’ll have an expert in your corner

All of those people mentioned earlier that you might have to deal with are on the buyer’s side. They are looking out for the buyer’s best interest. Can you afford not to have someone looking out for your best interest?