I'm sure you have noticed the dropping temperatures. Protecting your home against cold weather can prevent costly damage, reduce your monthly heating costs, and increase the value of your home. There are many things you should do before the big freeze hits. Here are some valuable tips you can use this Fall to prepare for winter temperatures. For the Yard:

• Clear debris from exterior walkways, decks, and steps. When winter hits you don't want to be shoveling up leaves and debris with the snow.

• Use fall leaves as mulch for your lawn. As the leaves start to fall consider mowing them into mulch instead of raking them into bags. These mulched leaves can provide nutrients for the soil during the winter to help your lawn next spring.

• Trim

As you get closer to looking for a new home its important to know what you want to look for. Here is a list of considerations you might be interested in thinking about before you start your search. What does your future home look like? Where is it located? As you hunt down your dream home, consult this list to evaluate properties and keep your priorities top of mind. Neighborhoods: What neighborhoods do you prefer?   Schools What school systems do you want to be near?   Transportation How close must the home be to these amenities:

• Public transportation
• Airport
• Expressway
• Neighborhood shopping
• Schools
• Other

  Home Style

• What architectural style(s) of homes do you prefer?
• Do you want to buy a home, condominium, or

Daybreak had its ‘soft opening,’ of Lakeside Village which is on the peninsula in Daybreak. The builders were working hard the night before to have layouts of their new floor plans in the new village so that all the special invitees could have a peek. They asked me to come out in my Gem car (golf cart) to help chauffeur people to the homes back and forth. Even though it rained right at 1pm there was still a huge turnout. People are excited to see what is happening in the new village. Pricing still wasn’t quite ready though. There will be homes from the $200′s up to 1 Million, so there is plenty of variety to choose from.

Take a look at Rainey’s home that sits right on the lake. Rumor has it that it is Daybreak’s newest $1 Million dollar home.

The entire model for UtahDave.com - Neighborhood Experts is built on teamwork! How does this work in real estate? Home buyers and home sellers get better service, quicker transactions, and greater satisfaction.

First of all real estate requires individuals to do a variety of tasks, many of which require conflicting skill sets. These tasks vary from sales and marketing, to contracts and market analysis. When your agent is 'in the zone' doing what they're good at, they get you results quickly and effectively. You know that working outside your talents forces you to work harder to accomplish fewer things. So what happens if your agent is forced to do something outside their zone?  

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Credit scores, along with your overall income and debt, are big factors in determining whether you’ll qualify for a loan and what your loan terms will be. Here are some tips to help you keep your credit score high:

1. Check for and correct any errors on your credit report. Mistakes happen, and you could be paying for someone else’s poor financial management.

2. Pay down credit card bills. If possible, pay off the entire balance every month. Transferring credit card debt from one card to another could lower your score.

3. Don’t charge your credit cards to the maximum limit.

4. Wait 12 months after credit difficulties to apply for a mortgage. You’re penalized less for problems after a year.

5. Don’t order items for your new home on credit —

1. Know about exclusions to coverage. This basically means know the types of coverage must be bought separately. For example, most insurance policies do not cover flood or earthquake damage as a standard item.

2. Know about dollar limitations on claims. Even if you are covered for a risk, there may be a limit on how much the insurer will pay. For example, many policies limit the amount paid for stolen jewelry unless items are insured separately.

3. Know the replacement cost. If your home is destroyed you’ll receive money to replace it only to the maximum of your coverage, so be sure you have enough insurance in this situation. This means that if your home is insured for $150,000 and it costs $180,000 to replace it, you’ll only receive $150,000.

Anyone that’s buying a home in Daybreak is in for a treat. Nestled in a beautiful, quiet community, you can be sure that you’re providing a top-quality lifestyle for yourself and your family when you buy one of these gorgeous homes! If you’re thinking about buying a home in Daybreak, you should be ready to act quickly. The median price of homes for sale in the area has been rising steadily over the past year. And meanwhile, these homes have been spending much less time on the market. That means that these beautiful homes are selling fast – and they’re going for higher prices! If you’re serious about buying a home in Daybreak, you’ll want to pounce as soon as you find that perfect, affordable home.

If you’re thinking about buying a home in Daybreak, you

Myan Burton, our Neighborhood Expert for Midvale/Murray, shows what being a Neighborhood Expert is all about.

Myan recently had 2 home owners in his area who wanted to sell their home. Myan told them how to clean and stage their home and make it ready to sell. How would you like to list your home for sale, clean and show it once, and then have your home sold? That is what Myan did for his sellers. Before it was even listed online, he had the buyers for their home. Neighborhood Experts are able to help sellers sell fast and ease the stress of selling.

Neighborhood Experts also know what homes are coming on the market and can get great deals for their buyers before anyone else.  Because he is the Neighborhood Expert, buyers know to come to him for

1. Review the Comprehensive Loss Underwriting Exchange (CLUE) report on the property you’re interested in buying. CLUE reports detail the property’s claims history for the most recent five years, which insurers may use to deny coverage. Make it necessary to have a home inspection to ensure that problems identified in the CLUE report have been repaired.

2. Seek insurance coverage as soon as your offer is approved. You must obtain insurance to buy a home. And you don’t want to be told at closing that the insurer has denied your coverage.

3. Maintain good credit. Insurers often use credit-based insurance scores to determine premiums.

4. Buy your home owners and auto policies from the same company and you’ll usually qualify for savings. But make sure

Recently one of our sellers had a buyer whose lender ordered an appraisal on the home.  It came back $80,000 LOW!  Can you imagine all the sudden feeling like you just lost $80,000?  We have heard about this happening to sellers all year long.

What is an appraisal?  Its an opinion of value. There is not an absolute formula for an appraiser to use when coming up with a value. That means the value will not always be the exact same value no matter who does the appraisal. But when you get a bad one what do you do?

Let me show you what we did:

This is the scenario we found ourselves in, the odds were stacked against us:  The agent representing the buyer was an appraiser for 30 years.  He felt like the appraisal was good.  The appraiser thought the