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Linda Kirk
Professional REALTOR
    Years of Experience: 20

Direct: 801-803-1436



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Salt Lake City, UT


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Posts Tagged ‘First Time Home Buyers in Salt Lake City’

First Time Home Buyers and Financial Security

Tuesday, November 24th, 2009
first time home buyers 
want long-term financial security.
2 year recession has taught them 
healthier financial options…
and they plan to continue.

Read article here.

 
  
Adopting Healthier Financial Lifestyles

A new financial survey assessing spending habits of Americans reveals that 61 percent of Americans were adversely affected by the recession, and many plan to permanently change their debt and spending habits.

One in four (25 percent) say they would like to be less reliant on credit and debt in the future, 21 percent plan to keep a lid on spending on non-essentials, and 18 percent think they will save and invest more. 15 percent say they will now develop and stick to a financial plan.

Touting resiliency, Keith Brannan, vice president of Financial Security Planning for Country Financial says, “Making permanent. positive changes in how we all handle our money will make a big difference in achieving long-term financial security. Despite the financial set-backs that may have been outside of our control, most families can still build a financially secure future for themselves with proper planning.”

With the two year anniversary of the recession approaching, Americans predict a gradual road to recovery. As we begin to emerge from the recession, 48 percent of those surveyed rate the way their family coped with the effects of the economic downturn as excellent or good, more than half (52 percent) of this group believe it will take at least two years for their financial situation to recover…

Read More

First Time Home Buyers in Salt Lake City
jump-started the housing market.

 Living a Healthier Financial Lifestyle will keep it going.

 

 

Are Salt Lake Realtors Becoming Extinct?

Friday, November 20th, 2009

Should You Hire a Salt Lake City Realtor?

Buyers now see every home for sale on the Internet. FREE

Sellers can list their home on the Internet. FREE

So what’s the point of using a Realtor?

There is no point in using OLD SCHOOL Realtors!

Times have changed. The Best Realtors have changed.

We put infrared lock boxes on you home. Only gets accessed by licensed and regulated Realtors, and electronically logs and idenfies every home entry.
Old fashioned combination lock boxes can be opened by anybody who sees your home on KSL or Craigslist…including criminals.
You can do that by yourself.

We think smarter. We understand critical market nuances of Salt Lake City. Give you custom email alerts for new listings and price changes. Get reliable pricing, comparables, fresh marketing, and RESULTS.
Old fashioned 1-800-info lines, expensive color flyers and postcards only inform the nosey neighbors.
You can do that yourself.

We Structure Sales. We understand Complex Contracts, and Title Documents, and Disclosures, and Addenda. We protect your assets. Negotiate your best outcome. Educate and advise. 
Old fashioned agents just fill in the blanks“. You can do that yourself.

Yes, Old School Realtors should be extinct.

But Second Century REALTORS are worth every penny.

Call one 801-803-1436

Buying a Home in Salt Lake City?Don’t Sucker for 0%Interest.

Tuesday, November 17th, 2009

IF YOUR’E  PLANNING ON BUYING A HOME IN
SALT LAKE CITY,
Don’t Finance Any NEW Purchases…
even if offered 0% financing.

Fastest way to wreck your chances of buying a home in Salt Lake, or anywhere else, is to finance  purchases while waiting to close on your new home. Once your credit gets pulled and you’ve applied for your mortgage loan, don’t do anything that could change your credit worthiness. Don’t change jobs or quit your job.
Never open new credit accounts, even if you don’t use them.
And my favorite…

Don’t finance ANY new purchases.

Even offers of 0% interest,
Balance Transfers, or
“90 days same as cash” could kill your deal.

Why?
1.When window of 0% interest rate closes, you’ll get charged 25-29% on your balance. OUCH.
2.The purchase could max out your credit line…Lenders want you to have AVAILABLE credit not used.
3.Every credit inquiry takes points from your score.
4.Encourages impulse buying and WILL bite you later…could lead to foreclosure.
5.Balance Transfer ‘deals’ are biggest cause of never ending credit card debt.

Just stick to your budget.

Postpone gratification.

Buying a home in Salt Lake is way better deal

Buying a home in Salt Lake for Job Security

Thursday, November 12th, 2009

Salt Lake City gets ranked 3 out of 200!

The Milken Institute, an independent economic think tank in California, ranked 200 large metropolitan areas according to their ability to create and sustain jobs. And Salt Lake City got ranked number 3 out of 200 large metropolitan areas, TWO YEARS IN A ROW!

Some theories for this trend are:

There is less business speculation in Salt Lake. Investors are generally more casious, take fewer risks, so businesses tend to survive longer.

With 5 major universities in the greater Salt Lake area, there is a consistent supply of  highly educated and trained workers, and plenty of entrepreneurial energy.

Utah State Government has invested in developing foreign trade alliances, and provides incentives that create longterm relationships between Salt Lake businesses and their international trade partners.

It’s easier to buy a home in Salt Lake because there are more job opportunities. Home buyers with real job security can get better loans, lower interest rates, and are able to eventually start and sustain their own businesses, providing more new jobs.

And don’t forget the attention Salt Lake City’s lifestyle is getting. The stunning landscape, boundless recreational opportunities, diverse cultural arts, advanced transportation and infrastructure, are just a few reasons Salt Lake’s businesses grow. People get to work and play here for years to come.

Salt Lake City isn’t Utopia.  But it offers a better chance to get a foot-hold, work your way to stability, and put down roots for generations to come. Come join us. Buy a home in Salt Lake City. This is the place. This is the time.

call anytime 801-803-1436

3 Steps to $8000 Tax Credit for First Time Home Buyers in Salt Lake City!

Tuesday, September 29th, 2009

Don’t Stress. There’s Still Time to get
$8000 Tax Credit for First Time Home Buyers…
IF YOU HURRY.

Step 1
Choose a lender in Salt Lake City.
Bring your income statements, tax returns, loan/creditor account information. Within minutes you’ll know how much house you can afford.

Step 2
Choose a house in Salt Lake City.
Drive through neighborhoods to narrow your search. Then look online…easiest way to compare house features/prices. Most people use the free site www.saltlakehomealerts.com. See EVERY home for sale in greater Salt Lake City, to know a good deal when you see it. Now make a short list of 5-10 homes you want to see in person.

Step 3
Choose a REALTOR in Salt Lake City.
Probably the most important step. Besides showing homes, a GOOD REALTOR will educate you, protect YOUR interests, negotiate price/conditions, problem solve, and everyting else it will take to get your deal done before the $8000 Tax Credit for First Time Home Buyers deadline on Nov. 30, 2009.

You better get focused. Call 801-803-1436

Market Recap

  • Avg. Sales Price: 379,000

  • Avg. Days on Market: 69

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