For example, let’s say you have a $200,000 loan at a 7% interest rate. If you refinance to a 6.25% rate, it would save you about $98 per month. If the closing costs would then be $3,000 it would take about 2 1/2 to 3 years to break even. However, on a NO closing cost loan, instead of saving $98 per month you would save about $66 dollars a month, but there are no costs, so the break even point is immediate. With the no closing cost loan, since there is no cost, you can refinance even if the rate only drops just a small amount, because there are no costs involved for you to pay at all.. Nothing!

So now you know the truth behind the “No closing cost” loans! Remember, you can use this strategy for buying or refinancing your home”
So when you are ready to purchase a home in Northern Utah, Cache Valley or Southern Idaho remember this little trick. Call me and let’s start making Real Estate As Easy As Pie when you purchase your next home.

The Utah Association of Realtors says Tuesday that members sold 2,819 homes, townhomes and condos in October. That’s up from 2,261 sales the same month last year.

Utah home sales are up more than 7 percent so far this year, compared to the same 10 months in 2010.

But the homes are selling for about 3.6 percent less than last year. The median price in October was $174,750.

The number of homes on the market has declined more than 21 percent over the past year. There were 22,993 properties for sale at the end of October, compared to 29,239 in October 2010.
Please give me a call if you, or someone you know is ready for the great adventure of home ownership. I will make their real estate adventure
“AS EASY AS PIE”!!!

It’s time to start the holiday festivities in Cache Valley!   If you have home on the market for sale remember to keep your locked when you leave and keep some lights on.  If you are looking for a home to purchase in Northern Utah take a minute and drive around the neighborhood you wish you purchase in.  Look for the real estate signs and write down the address.   Call me and let me know the address of the homes you would like to see.  I  will be happy to arrange appointments for showings.  It’s a fun time of the year to be looking for a new home.

Enjoy your preparations and include the whole family.   Little children enjoy helping and baking.

According to the MLS there are 657 active listings, 13 homes have sold, and 12 have gone under contract in the past 7 days.

HUD is now offering their properties with a $100 down payment.   Give me a call to get more information.    There are at least  four homes  in Cache Valley available for this program.  Davis County has HUD homes available also.

It seems like things are picking up in Cache Valley.   Last year in the 3^rd quarter there were 197 sold properties.   This year in the 3^rd quarter there are 247.  Last year 3^rd quarter there were 552 new listings and this year 451.  Average price last year 3^rd quarter was $196,502 and this year $200,485.    So we are moving up and average price is up a bit.

Cache Valley is growing.   Buyers are very smart and doing their research before they start looking at homes.  Sellers are working hard to make their homes the most attractive to entice buyers to look inside.   There will be more foreclosures coming on the market at the first of the year.

Some people think it’s a bad time to list their homes.   With the holidays here our homes are dressed to the max.   They have the comfy smells of home baked goodness, they are warm and cozy.   It’s a great time to put your home on the market.

Enjoy your holiday season.   Call me anytime if you have questions on what your homes value is at this time.

In my blog I will provide a thought or two on what’s happening in Northern Utah.  It’s the perfect time to buy a home in Cache Valley.  With interest rates at record lows and a large inventory of homes to choose from there isn’t a better time.  Ask me about the foreclosures and short sales in Logan, Providence, Wellsville, Smithfield or any of the surrounding areas in Cache Valley.

Also I will provide some links for the chamber of commerce and the tourist bureau. You can come to my web page and find helpful information on Cache Valley as well as some thoughts from my associates and affiliates in the real estate world and from those of us who are lucky enough to live in Cache Valley.  Once in awhile I hope to provide a blog from some guest bloggers who live in Cache Valley.

Each month I will share with you one of my passions and that is baking.   Making real estate “AS EASY AS PIE” really fits how I feel about real estate.   I want to make real estate easy for both the seller and the buyer.   I hope you will enjoy my monthly pie recipes and if you have a recipe that you would like to share please do so.  Just let me know.

So for this first session I want to just leave you with a brief note on an upcoming event here in Logan.   ANDERSON SEED AND GARDEN is hosting a LADIES NIGHT OUT on October 21, 2011.   There will be food demonstrations, food sampling, holiday decorating ideas and free 5 minute massage.   It starts at 6 pm and goes till 9 pm.   ANDERSON SEED AND GARDEN is located at 69 W. Center, Logan, UT   84321.   If you have questions you can call them at

435-752-2345.

Thanks for reading my first blog.   Be sure to come back often to see what’s happening with the real estate in Cache Valley,   also for a great pie recipe.

Enjoy these glorious days and let me know how you enjoyed the pie.  See you next time.

Karen