Checklist for First-Time Home Buyers

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Real Estate Agent Handing Over the House Keys in Front of a Beautiful New Home and For Sale Real Estate Sign.

So you’ve decided to buy your first home. It’s an exciting adventure and there are many things you’ll need to prepare for. Before you get going, here is a list of steps to help you along and make the process easier.

Pick your location and browse for homes online

One of the biggest things you’ll want to settle on before you start your search is the location where you want to live. If you’re not set on specific neighborhoods, think about the best area for your needs. Keep in mind the commute, schools, proximity to family and friends, and overall lifestyle.  You can use the tools found on www.UtahRealEstate.com to find homes that match your location and criteria.

Hire a REALTOR®

Searching online is a great way to find what you’re looking for, but it can be overwhelming and tricky to understand the best process for making an offer on a home. You may be looking at homes that are out of your price range and you don’t want to get your heart set on something only to later find out that it doesn’t quite fit your budget.

Having a professional on your side to guide you through negotiations can help you avoid costly situations that will help you save in the long run. You can find an agent that works in your area on UtahRealEstate.com’s Find a Realtor search page.

Talk to a mortgage lender

It is a good idea to research and find a lender so that you can get pre-qualified for a loan. Starting this process early, especially in a hot market, may help bolster your offers on homes.

Improve your credit if needed

When you decide on a lender, your credit will be examined and you will receive a credit score. Anything above a 760 is considered a strong score; 700 to 759 is considered a good score; and 650 to 699 is considered a fair credit score. Your score will play a role in determining the interest rate you receive from your lender

If you find that your credit score is not where it should be, there are things that you can do to bump it up.

Don’t damage your credit report

When you’re in the process of buying your home, be sure to be mindful of your finances. Late credit payments and large credit purchases may lower your credit score or create questions from your lender, which can possibly hurt you in the loan process. Your loan isn’t fully approved until it goes through underwriting, and that can stretch throughout the closing period.

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Christmas in Salt Lake County 2016

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It’s the most wonderful time of year! Time to get out with your families and enjoy the holidays. We have gathered a list of many events and light shows that you won’t want to miss.

Discovery Gateway Breakfast With Santa
Salt Lake City
December 10 & 17
Enjoy a hot breakfast, exclusive play time in the museum with Jolly Old Saint Nick, and a special surprise gift for the family.

Santa Comes Down the Town Lift
Park City
December 17
Santa Claus is coming Park City via the Town Lift, with his magical Mid-December sleigh that is all lit up with Christmas lights.

Zoo lights
Hogle Zoo – Salt Lake City
December 1 – 31 (Closed Christmas Day)
ZooLights! will be brighter and more sparkling than ever as this festive, family-fun light event returns for its 10th anniversary year.

Heber Valley Railroad North Pole Express
Heber
Open until December 24
All aboard a fun ride up to the North Pole!

Temple Square Lights
Salt Lake City
Until January 1
See 35 acres of the famous Temple Square lights.

Christmas in Color
Kearns
Until December 31
Utah’s biggest drive-through holiday light show.

Downtown Jingle Bus
Salt Lake City
Until December 24
Take the Jingle Bus to see all the holiday sights downtown.

Draper City Park Tree of Lights
Draper
Until December 24
Tree lighting ceremony with a visit from Santa, music, and a big celebration.

Riverton City Holly Days
Riverton
December 9 & 10
Visit with Santa and enjoy cookies, crafts, entertainment, shopping at local retail booths, and the giant-sized storybook boards T’was the Night Before Christmas.

Dickens’ Christmas Festival
Sandy
December 8-10
Period costumes, old shops, fortune tellers, royalty and the real Father Christmas

 

 

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Christmas in Utah County 2016

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It’s the most wonderful time of year! Time to get out with your families and enjoy the holidays. We have gathered a list of many events and light shows that you won’t want to miss.

Luminaria at Thanksgiving Point
Lehi
Until December 31
This year marks the 15th Anniversary of the Holiday Open House at Red Butte Garden! Enjoy local artists, cider, and hot chocolate, while exploring the winter gardens.

Spanish Fork’s Festival of Lights
Spanish Fork
Until January 1
The festival is a drive-through holiday light show.

Christmas in Color
Provo
Until January 1
The festival is a drive-through holiday light show.

Utah’s Tallest Christmas Tree
Lehi
Until December 31
Utah’s tallest Christmas tree is at the Outlets at Traverse Mountain.

The Forgotten Carols Christmas Tour
Orem
Until December 20
See the timeless Christmas classic during its 25th anniversary tour in Utah.

Salem’s Pond Town Christmas
Salem
Until January 2
The display in Salem includes lights floating on a pond in Knoll Park.

 

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