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 […]
Houzd Community Giveback: Supporting Utah Organizations Making a Difference
At Houzd Mortgage, we spend a lot of time talking about homes. But a strong community is about a lot more than the houses in it. That is why we created the Houzd Community Giveback, a simple monthly program designed to support Utah organizations doing meaningful work in our communities. Over the past few months, […]
Utah HELOC Options: How to Use the Equity in Your Home
If you own a home in Utah, there is a good chance you have built equity over the years. A Utah HELOC, or Home Equity Line of Credit, can give you access to a portion of that equity without replacing your existing first mortgage. For many homeowners, that is the biggest advantage. Instead of refinancing […]
Freddie Mac Expands Asset Depletion Mortgage Guidelines
Have plenty of money in savings or investments, but not enough traditional monthly income to qualify for the mortgage you want? A major update from Freddie Mac could make that easier. Freddie Mac has expanded its asset depletion mortgage guidelines, allowing more borrowers to use accumulated assets as qualifying income when purchasing or refinancing a […]
Pinkbox Doughnuts Is Finally Opening in Sandy, Utah
If you’ve driven down State Street in Sandy and wondered when that very pink building was actually going to start handing out doughnuts, the wait is officially over! Pinkbox Doughnuts is opening its new Sandy, Utah location on Saturday, August 15, 2026, at 10235 State Street. The grand opening celebration includes a ribbon cutting at […]