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Having an agent to help guide you is key in today’s complex housing market. Let’s connect so you don’t get spooked by the buying or selling process!
Having a Master Certified Negotiation Expert is even better!
Marty Gale Utah Realty MCNE
Does Spouse’s Debt Impact Joint Mortgages?
Your spouse’s debt can impact your joint mortgage application, potentially limiting loan options and eligibility. Mortgage lenders prioritize a front-end ratio of 28% and back-end ratio of 36% or less.
Nebraska, Utah, Texas and 12 more states sue feds on housing efficiency standards
Nebraska, Utah, Texas, and several other states are suing the federal government over energy efficiency standards they claim increase the cost of affordable housing. The lawsuit targets the Energy Efficiency Standards section of the Cranston-Gonzalez Act, arguing it...
Understanding The Crucial Role of Credit Scores in Home Buying
In the journey towards home ownership, one's credit score emerges as a pivotal factor, influencing opportunities and shaping choices. This article delves into the intricate role that credit scores play in the home buying process, providing a comprehensive overview of...
Where to Get a Non-QM Loan
Check if you meet the typical requirements: 620+ credit score, stable income, and consistent employment history. Look for lenders or mortgage brokers who work with non-QM wholesale lenders; they can connect you with options.
Top Markets for Office Development in the West
In 2024, the office sector saw significant changes with high vacancy rates and minimal increases in office utilization. Nationally, office space under construction decreased to 57.8 million square feet, down by 39 million from 2023. In the Western U.S., the office...
Utah Market Stats January 2025
Key Factors Influencing Utah Insurance Rates
The average annual homeowners insurance premium for a $200K home in Utah is $1,063. Utah’s insurance rates are influenced by low weather risks, local crime, and construction material costs.
Salt Lake City – A Top Pick for Millennial Homeowners
Salt Lake City: A Top Pick for Millennial Homeowners Buy or Sell with Marty Gale "Its The Experience" Principal Broker and Owner of Utah Realty™ Licensed Since 1986 CERTIFIED LUXURY HOME MARKETING SPECIALIST (CLHM) PSA (Pricing Strategy Advisor) General Contractor...
2026 Interest Rate Forecast: Continued Adjustments
Federal funds rate projected to fall from 3.7% (Q1) to 3.1% (Q4), marking consistent quarterly reductions. Rate adjustments aim to stabilize the economy, setting the stage for long-term equilibrium.
2025 Housing Market Forecast for Buyers & Sellers
2025 housing market: moderate rise in home sales, stabilized mortgage rates, and slower price increases. All-cash buyers make up 26% of sales, driven by increased homeowner equity.