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Kalleen Foster
REALTOR®
    Years of Experience: 6

    Weber State University, BS, Business Management
    GRI-Graduate Realtor Institute
    SFR - Short Sale Foreclosure Resource

Direct: (801) 589-2220



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Coldwell Banker Residential Brokerage
2225 Washington Blvd #100
Ogden, UT 84401


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Posts Tagged ‘Buy a home in Ogden area’

Volunteers~Another Reason to Buy a Home in Ogden, UT

Wednesday, June 1st, 2011

In May, Ogden City employees, business leaders and community volunteers traded in shirts, ties and cell phones in for shovels, rakes and gloves to make Junction City shine.  Now, more than 62 different locations around the city are sparkling!

This was the city’s third official Make a Difference Day and more than 1,000 volunteers took part with 60-65 percent of the volunteers being Ogden City employees. The city does not mandate that the employees pitch in on the service day, most stepped up and want to help out.  This is an incredible effort by all of the volunteers to take a day and help spruce up and clean the city limits.

The city helped in some areas by providing dirt, mulch and manpower.  The city council also donated $5,000 in city money to the cause, although the man hours saved by the volunteers far outweighed the money donated by the city council.  The council members also participated at locations ranging from the Salvation Army to the north site of the Nature Center on Mountain Road. 

The volunteers have also been able to see what a difference their work that they did last year has done to this year.  The number of volunteers has risen each year as well. Cleaning up Ogden is a big undertaking but it has been a great group effort by many of the volunteers that work and live here in Ogden. 

I’m so glad that I live in a city that is constantly growing and improving and has many people who live in it and constantly want to make it better!

Mortgage Interest Rates

Wednesday, April 20th, 2011

Interest Rates for Thursday, April 19, 2011.  It’s interesting because the rates change daily, but haven’t changed much in the last month.

30 yr fixed  4.78%             last week   4.87%

15 yr fixed  3.99%             last week   4.07%

5/1 ARM     3.30%             last week    3.48%

30 yr Refi   4.78%             last week    4.87%

15 yr Refi   3.99%              last week    4.08%

Please keep in mind these are general figures because credit scores, lenders, and geographical areas differ. 

It is still a great time to buy a home.  When will you contact me so I may help you use these historically low interest rates to purchase your next home in the Ogden area? Let’s get together soon!

Tips for First-Time Homebuyers in this Historic Buyers Market

Saturday, March 26th, 2011

Is it the right time to make a move into real estate?  That is a question that a lot of first time buyers are asking themselves.  Below is a reality check list to help first time buyers know if they are ready to buy.

  • Get your finances in order-Before you buy, you need to make sure that your credit is in good shape.  You need to review credit history and know your credit score. You will also need to have enough money set aside for a down payment.  It’s also important not to put all of your money towards the purchase of a home in case of extra expenses afterwards.

 

  • Do not look at homes that you cannot afford-Before you look at homes, you will need to establish your purchase power upfront to determine what you are approved for.  This way you will not set your sights on a home that you cannot afford. At this time, you should also be looking at special loans available from FHA and other government sponsored loans for first time home buyers.

 

  • Get familiar-Familiarize yourself with the process and terminology associated with buying a home, make sure you have a realtor that you trust to help explain the process.

 

  • Interest Rates-There are a lot of misleading mortgages with low rate promises and no contingencies for those who have great credit.  Rates are based upon many different factors and the loan isn’t locked until the application is accepted.

*Basis Point-A term used in the mortgage industry which simply means 1/100th of 1%.

*Closing costs-These are the fees required to process and close your loan.

*FHA-Federal Housing Administration

*FRM & ARM-Fixed rate mortgage loan is a loan where the interest rate stays the same the life time of the loan. ARM is an Adjustable-Rate Mortgage with variable interest rates.

*GFE-The Good Faith Estimate is a document explaining all costs involved in getting a loan.

*TIL-The Federal Truth In Lending Form document that tells you the costs and fees of the loan.

*Lis pendens-An official notice that there is a pending lawsuit over real estate.

*Per Diem Interest-Interest you pay per day.

*Underwriting/Underwriting fees-Underwriting is the process that the lender performs to qualify a borrower for a loan.

*Warranty deed-A legal document guaranteeing the seller has a right to sell a property.

Last but not least, find a realtor that you believe will make the right fit with you to help you find the home of your dreams.  A realtor will become a life- long partner in buying and selling real estate.

Now is a great time to buy or sell in the Ogden area.   Do you need help to take  advantage of this historic time?  You may contact me anytime.

Tundra Swan Day in Northern Utah

Thursday, March 10th, 2011

Did you know that there is as many as 35, 000 swans in Utah when the swan migration peaks in mid-March?  It looks like Utah is not just a seagull state after all.

 

This Saturday, March 12, 2011, is the state’s official Tundra Swan Day in Northern Utah.  How great it would be to be able to see these gorgeous birds!  The Tundra Swan uses the Great Salt Lake and the surrounding wetlands as one of its favorite wintering spots and now is the time to see this grand bird!

 

The viewing will take place at three sites-Farmington Bay Waterfowl Management Area, which is west of Farmington, Salt Creek Waterfowl Management Area which is west of Corrine and the Bear River Migratory Bird Refuge west of Brigham City. The viewing at Farmington Bay & Salt Creek WMAs runs from 9am to 3pm and they will have spotting scopes available to you can get a better look at the swans. You can call the DWR’s Northern Region office at 801-476-2740 and the Beer River Migratory Bird Refuge at 435-723-5887 or you can go to  www.standard.net for more information.

 

They say that the Bear River Migratory Bird Refuge is one of the best places to visit and that is just a hop skip and a jump north of Ogden.  They have a 12-mile auto tour loop that you will be able to see these beautiful birds.  These magnificent swans migrate northward to their breeding grounds in the Artic tundra of Alaska and Canada as the weather warms here in Utah.

 

It always fascinates me that Utah has so many grand opportunities like this right here in our back yard to take advantage of. What do the Tundra Swans have to do about buying and selling homes in Ogden, Utah? It’s a great place to live! Please contact me if you or anyone you know would like to buy or sell a home in the Ogden area.

Top photo compliments of http://photobucket.com/images/swans/

2011 Sundance Film Festival in Ogden

Thursday, January 27th, 2011

 2011 Sundance Film Festival

Here are a few links with information about times and tickets.  The festival ends in Ogden on January 29th and January 30th in Park City. Perhaps there are still some tickets left for you to enjoy the event.

Tickets and Information

http://www.sundance.org/festival/tickets/

Times

http://www.standard.net/topics/features/2010/01/14/sundance-film-festival-ogden-schedule

Another reason to live in Ogden besides sports in the winter is the Sundance Film Festival. The festival is good for movie directors, actors, fans, and, of course, the economy.  It’s nice the festival organizers share their movies wth the Top of Utah. 

What does the Sundance Film Festival have to do about buying and selling homes in Ogden, UT?  It’s a great place to live!  Please contact me if you or anyone you know would like to buy or sell a home in the Ogden area.

Buy a Home in Ogden, UT While Rates are Still Low

Wednesday, January 12th, 2011

Interest Rates for Tuesday, January 11, 2011.  Interest are still so low!   Look and see! 

30 yr fixed  4.75%             last week   4.91%

15 yr fixed  4.06%             last week   4.24%

5/1 ARM     3.49%             last week    3.73%

30 yr Refi   4.77%             last week    4.88%

15 yr Refi   4.07%             last week     4.24%

Please keep in mind these are general figures because credit scores, lenders, and geographical areas differ and interest rates change daily. 

Contact me for further information about using low interest rates to buy your next home.

Buy a Home in Ogden for Sports

Friday, December 31st, 2010

 

“The Ogden Marathon is one of the 10 best in the nation for first-time marathoners, according to Runner’s World, a leading magazine for runners.”

This article was on the front page of the Outdoors section of the Standard-Examiner Wednesday, December 29, 2010.  Next year’s marathon is schedulted for May 21, 2011.  Runners must be 16 the day of the race.  Registration began on October 21, 2010.  For more information about the article and to register, you may visit the following links:

http://business-video.tmcnet.com/news/2010/12/29/5216533.htm

http://www.active.com/register/index.cfm?CHECKSSO=0&EVENT_ID=1876052

Watching the news tonight, ski resorts along the Wasatach Front are already having a great season because Mother Nature has cooperated and skiers are very happy.  For more information and snow conditions at Top of Utah resorts, visit:


http://www.onthesnow.com/utah/skireport.html

http://www.utah.com/ski/snow_report/

These are just two of the many sports available in the Ogden, UT area.  Whether it is your first home or your last home, I can help you find the home for you to enjoy the many sports available at your fingertips.

Remodeling Tips for Top of Utah

Thursday, December 30th, 2010

 

 

FIRST IMPRESSIONS MATTER!   What remodeling jobs will yield the greatest return for your dollar?

  • Entry Door Replacement–the cost is about $1218 and the resale value about $1243 which means a 102% cost recoup.
  • Garage Door Replacement–the cost is about $1291 and the resale value about $1083 which means a 83.9% cost recoup.
  • Siding Replacement–the cost is about $13,382 and the resale value about $10,707 which means a 80% cost recoup.
  • Kitchen Remodel–the cost is about $21,695 and the resale value about $15,790 which means a 72.8% cost recoup.
  • Deck Addition–the cost is about $10,973 and the resale value about $7986 which means a 72.8% cost recoup.

So, if you are short on cash, the easiest and least expensive and best return on your money is to replace your front door.   How impressive is that?

Information for this blog taken from NAR Realtor Magazine, January 2011, page 34.

PS~-If you are buying a home in Ogden or surrounding areas, contact me to help make your home buying process successful!

Buy a Home in Ogden UT? Interest Rates Are Still Low!

Tuesday, December 28th, 2010

Interest Rates for Monday, December 27, 2010

Interest are slowing climbing up, but they are still very low!!

 

30 yr fixed  4.99%             last week   4.97%

15 yr fixed  4.32%             last week   4.32%

5/1 ARM     3.89%             last week    3.78%

30 yr Refi   4.96%             last week    4.95%

15 yr Refi   4.28%             last week     4.28%

Please keep in mind these are general figures because credit scores, lenders, and geographical areas differ and interest rates change daily. 

 

For your reference: http://money.cnn.com/real_estate/

Don’t hesitate to contact me for more information.  Let me help you use these low rates to purchase your next home.

Buying a Home in Ogden, UT? Check Out Interest Rates

Wednesday, December 8th, 2010

Interest Rates for Tuesday, December 7, 2010

Interest are slowing climbing up, but they are still very low!!

 

30 yr fixed  4.74%             last week   4.57%

15 yr fixed  4.09%             last week   3.97%

5/1 ARM     3.42%             last week    3.42%

30 yr Refi   4.63%             last week    4.46%

15 yr Refi   3.95%             last week     3.82%

Please keep in mind these are general figures because credit scores, lenders, and geographical areas differ. 

 

For your reference: http://money.cnn.com/real_estate/

Don’t hesitate to contact me for more information.  Let me help you use these low rates to purchase your next home.

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