It’s no great secret that your credit report will dictate your eligibility for qualifying for a home loan. And it’s no secret that your credit score affects your credit report. But have you ever thought about what factors can influence your credit score? If you need to know how to improve your credit score today’s … Continued
For many of us, the thought of leaving property after we die isn’t a question of why. It’s a question of how. Drafting a will can seem like a simple process. It’s simply a question of designating your property to named beneficiaries; and in the case of minors, naming an executor or guardian who will … Continued
Let’s face it. Emergencies can happen in your life. And they seem to come at the worst imaginable times. Your available resources seem to be practically non-existent. And the traditional options for a loan are simply closed off. Much like 43 percent of other Americans, your credit score may simply hold you back from qualifying … Continued
There’s a lot of reasons to be proud to live in Utah. According to recent statistics from the U.S. Census Bureau, we’re the fastest growing state in the country with an increase of 100 Thousand residents annually. We have the twelfth lowest poverty rate in the country, with an unemployment rate of approximately 3 percent—in … Continued
Hard money loans. Perhaps you’ve seen them on TV. Or heard about them from a friend or neighbor. Or perhaps you’re merely familiar with the name, but don’t know much about them. If so, you’re no different than millions of other Utah residents. Hard money lenders have earned a bit of a bad reputation in … Continued
It’s been estimated that close to 625,000 homes in America were foreclosed upon in 2018. And while that number is nowhere near the amount reported at the height of the housing crisis in 2008, that’s still a sobering statistic for many homeowners—particularly in Utah, where housing prices have been reported to have jumped at a … Continued
Real estate can be a complicated affair. Between property liens, title insurance and the process of finding the right buyer at the right time, there’s a whole host of documents and notices that many homeowners are entirely unfamiliar with—and can seem both confusing and intimidating. A notice of interest, for example. Perhaps you’ve received one. … Continued
Your home. It’s what you’ve worked for over the past few decades. What you’ve saved for. It’s where you live. Where you sleep. Where you eat. And it’s yours. Well, technically… it still belongs to the bank. You’ve been paying off your mortgage almost dutifully over the past few years. Almost dutifully. There were … Continued
How to file for bankruptcy in Utah can be a tough choice. You’ve weighed the pros and cons. And sadly, it seems like there’s no permanent solution to your debt. You have no choice but to file bankruptcy. You’re not alone. In 2018, almost 800,000 Americans filed for personal bankruptcy. And while statistics continue to … Continued
You want to stay in your home but you’re facing a bit of a financial set back at the moment that has damaged your credit. You may have piling medical bills. Maybe it was an unexpected job loss. Or a divorce. Whatever your situation, there are hundreds of reasons Utah home owners may want to … Continued
Gary Buys Houses