Sunday, December 9, 2012

5 Steps to Home Ownership after Short Sale



5 Steps to Home Ownership after Short Sale

  •  During the Short Sale Process be sure to save your paperwork. Common requested items in requesting a home loan after short sale include Settlement Statements and the letter from the bank stating the loan has been released and they are not coming after you for the balance.
  •  Pull your credit report. You want to see how the bank reported this on your credit. Also be sure there are no other outstanding items, the time to rebuild your credit is now!
  • Work to get your credit score back up and your debt to income ratio back down. Pay down items and be mindful not to get additional deficiencies.
  • Save every penny you can, you will need money for a down payment. The quicker you save the sooner you will be a homeowner again.
  • Wait patiently and stay positive.

After two years with 20% down you may purchase a home with a conventional loan. Be prepared to dig up your paperwork, write letters and search different loan officers (I recently had a client that was told no by 5 loan officers, only to get approved after the 6th) that will be able to pull this together. With 20% down you will also avoid paying mortgage insurance and you will walk into equity!

After three years you may purchase a home with FHA with 3.5% down.

VA requires a wait of 2 years.

Good luck!

Thursday, August 16, 2012

Beautiful South Jordan Home-Just Listed!!

South Jordan, Utah Beauty

 4042 Square feet- Priced to sell!


 This charming home will not be on the market long! It was just listed and the porch alone has me sold!



From the shaded wrap around porch you have amazing views of the mountains. The Porch also has an entrance to the kitchen!!


Entrance to Kitchen!!


 Not only does the home have an amazing yard with mature trees and a view, the floor plan is also open and bright.


Den

Living Room

Dining Area Leading into Living room

Dining area with extra deep bay window.

Large Kitchen/ Door to porch

Kitchen

Kitchen Door to porch


View this home and other active homes in Utah by clicking Here

Friday, June 22, 2012

OPEN HOUSE: 14796 Desert Sage Drive Herriman Utah 84096

            Come view this lovely home this Saturday June 23,2012

       From 11:00am to 1:00pm


OPEN HOUSE- SATURDAY JUNE 23RD FROM 11AM-1PM


This home is gorgeous inside and out! You will find a new kitchen, granite, appliances, paint, furnaces, water heater, and AC units, beautiful large master on main level. Basement is mostly finished with family room, theater room and bedrooms.

*This is a Homepath property and is marketed by Charlotte Thomas.

http://www.homepath.com/

MLS 1096146

For questions:
Keller Williams- South Valley
Brandy Chase
801-618-8182




For details on buying or selling a home or to search active homes listed visit:

http://brandychase.yourutahagent.com

Sunday, June 3, 2012

Let the Camping begin


I know summer just started for some but to me if feels half way over. Our family loves to camp but we only have a short amount of time we are able to do so, because of weather and of course football! So we are soaking it all up before we run out of camping months.

Our first camping trip this year was Moab, followed by Jordanelle State park and then Payson Lake area. Each had their very own specialness (yes that is a word-in my head anyway) and loads of fun.

Camping and Snow

Some may say that Moab wasn't exactly a "camping" trip, but anytime I am in my camper (travel trailer) I am camping. We ended up at a RV Resort towards the south end of town; it was right off of Main Street. There was plenty of shade, although at the beginning of May it wasn't all that hot. My Brother, Sister n Law, and the cutest baby girl ever (also known as Baby Stevie), all joined us. They live in New Mexico so it is about half way for each of us. It was a great time, we walked main street, had lunch, BBQ’d and played dominoes. We all made a note to book three nights next time because two nights just seemed so short. I am working on my next excuse to go back to New Mexico so I can hang out with my new niece and maybe her parents too!

                                                 Me, Micah, and Baby Stevie


Traven holding Baby Stebie

Our next trip was off to Jordanelle State park which is nice because it is so close. I was lucky to have booked early and scored us a place right on the lake! The weather was perfect, the kids even got in the water (not because the water was warm because kids don’t mind swimming in snow melt!). A couple other families joined us and all 9 kids seemed to have a blast. The fish were even biting. Although Colten didn’t really want anything to do with fishing last year, he was all about this year. He caught the first fish and he fished most that first evening, so I think we have a new fisherman in the house. We took turns in our inflatable row boat and mostly just soaked in the nice weather.
 Jacob camping (I think it might have been a bit cold that night)
 Jacob and his friend "boating"
Our Newest Little Fisherman-Colten


We are always looking for new places to camp and we have found that if you don’t reserve your spot early you miss out. Since neither of us is from here we have to go exploring to find new spots that don’t require booking. So…on Mother’s day we took a drive and really just stumbled on some of the most beautiful camping I have seen since Montana (just as good as Mirror Lake HWY).  I am talking pine trees and aspens, trails galore, mountain lakes and creeks and green everywhere! And this is where we spent Memorial Day weekend. Our first night (Friday) was beautiful the weather was almost too perfect. We heard rumors about the snow, but Saturday was another pretty nice day……and then….Sunday Morning we awoke to snow! LOL! Oh yeah, we knew it was coming, we were hoping we would luck out but we dealt with it and had a good time anyway. It snowed off and on, so it wasn’t really that bad. We had a fire up slightly hidden in the pine trees, the boys explored, shot BB guns, and hiked the trails. It is trips like these I see our boys changing, I love to see them explore and play and just have fun. We took a few hikes with them and we spotted deer, squirrels, a teepee, and just pure beauty.
 The deer we spotted while hiking
 The snow that we got to enjoy!
 Brotherly Love
Beautiful Hike
Well that was our month of May! This month we are off to Bear Lake for my Half Marathon and Pallisades and possible another trip or two to Payson lakes again!

Tuesday, May 15, 2012

Brandy's Balancing Act: First Blog EVER!!! Since this is my first post I ...

Brandy's Balancing Act: First Blog EVER!!!
Since this is my first post I ...
: First Blog EVER!!! Since this is my first post I am going to tell you a little about me. My goal with this blog is to write about l...

First Blog EVER!!!


Since this is my first post I am going to tell you a little about me. My goal with this blog is to write about life and the exciting things we experience. I am a firm believer that balance = happiness.  I feel that most days I have balance and I would love to share that with others! I am a Real Estate professional, I enjoy my kids, my marriage, great friends, running, crafting, cooking, and camping. Life is not always perfect but it is "close enough to perfect to me" (I'm pretty sure that's a country song).

This is also the kickoff to my exciting Real Estate Career! I have worked in the business for over four years and have had wonderful opportunities to learn a wealth of information. That's the great thing about Real Estate- I am pretty sure you can never stop learning. I have also worked in health care and the travel industry. I have always found myself yearning for MY own business that I can run with my ideas and provide great service that I think people want and deserve. So that is what I plan to do-provide excellent service to my clients.


I have three crazy boys and one amazing and  hardworking husband; they constantly keep me hopping!


The boys are a lot of fun and I enjoy watching them grow and change. Though, I really wish they would slow down, they are growing up all too fast!
Each of our boys is very special in their own little way. Jacob is 10 and enjoys reading and football. Colten is 6 and enjoys playing with friends and making up his own songs.Traven is 3 and loves to follow whatever his brothers are doing.


Our family enjoys camping in the mountains or many of the other beautiful places Utah has to offer. We also like to fish but we have yet to be very successful at that :/, I'm thinking maybe we just need more practice!


I started running about 5 years ago and I really do love it. It is both challenging and rewarding at the same time. I went from only being able to run 1 minute to having a few half marathons under my belt. I am currently training for the Bear Lake Half marathon and I also plan on running the Moab -The Other Half in October for the second time. Running is like free therapy and good for you! I am always looking for new people to recruit into to the running world! If I can run so can YOU!!

More recently I have entered the wonderful world of crafting. Pinterest is a favorite pass time of mine. There is so many new and wonderful ideas to try! Below is my latest creation, yet another great idea from pinterest. I made it for my mom for mothers day and she loved it! :D


Comments, advice, suggestions all welcome. Thank you for reading.