5 Things to Do Now If You Want to Buy a Home in 2027
If you want to buy a home in 2027, the best time to start preparing is now. You do not need to be fully ready today. But giving yourself several months to improve credit, build savings, and create a plan can make the process much easier when it is time to buy. Here are five […]
Creative Mortgage Financing in Utah for Complex Loan Situations
If you have a unique income situation, own a business, invest in real estate, or have already been told “no” by another lender, creative mortgage financing in Utah may give you more options than you realize. At Houzd Mortgage, complex loan scenarios are kind of our thing. As a mortgage broker, we are not limited […]
6 Best Family-Friendly Fall Outings in Utah
Looking for the best family-friendly fall outings in Utah? You do not need an all-day hike to see some incredible fall colors. Utah has plenty of scenic drives paired with short walks, waterfalls, lakes and overlooks. Here are six of our favorites for an easy family fall adventure. 1. Alpine Loop + Cascade Springs The […]
Sell Your Condo Before 2027? Here’s Why It May Be Worth Considering
If you have been debating whether to sell your condo, 2026 may be a good time to take a serious look at your options. New conventional mortgage guidelines are changing how condominium projects are reviewed. Beginning in 2027, one of the biggest changes will be stricter requirements around how much money condo associations set aside […]
Bridge Loan for a Home Purchase: A Way to Rescue a Contingent Offer
A bridge loan for a home purchase can sometimes help a buyer remove a home-sale contingency and make a cleaner offer. That matters because a home-sale contingency does not always have to remain a home-sale contingency. If you are a listing agent and receive an otherwise strong offer that depends on the buyer selling their […]
Before You Reduce the Listing Price, Consider a 2-1 Buydown
When a home is sitting on the market, one of the first conversations is usually: “Should we reduce the price?” Sometimes the answer is yes. But before automatically cutting the listing price, it is worth asking a different question: Would the same money make a bigger difference if it were used to lower the buyer’s […]
Salt Lake County Housing Market Is Shifting — What Buyers and Sellers Should Know
The Salt Lake County housing market is shifting, and the numbers are starting to favor buyers more than they have in recent years. Inventory is up. Homes are taking longer to sell. Buyers have more choices, and sellers are facing more competition. That does not mean the market is falling apart. It means buyers and […]
Using a HELOC for Home Renovations in Utah
Planning a kitchen remodel? Finishing the basement? Finally replacing the bathroom that has looked “temporary” for the last nine years? A HELOC for home renovations can be a flexible way for Utah homeowners to use the equity they already have to improve the home they already own. Instead of taking out one large loan upfront, […]
Investment Property in Utah: A Beginner’s Guide
A Beginner’s Guide to Owning Investment Property in Utah Owning an investment property in Utah can be a great way to build long-term wealth. However, buying a rental property is different from buying your primary home. Before you start scrolling through listings and mentally spending your future rental income, it helps to understand the basics. […]
How Much Can I Borrow With a Utah HELOC?
If you have built equity in your Utah home, you may be wondering: How much can I actually borrow with a HELOC? The short answer is that it depends on your home value, current mortgage balance and the HELOC lender’s maximum combined loan-to-value ratio, also called CLTV. Many HELOC programs allow homeowners to borrow up […]