Wednesday, November 30, 2011

The chill of the winter evening....Should have stuck with the Diet Coke!!

Officer I am not speed I am qualifying hang onto you hairnet and slap in your denture cream this is going to be a ride of a life time!!!


Don't miss the little signs along the way

As I go screaming in December with all it excitement, let me not get so caught up in the hussel and bussel that I miss out on what is really important.

The client who have become my friends their family as they start out on there big adventure of home owners ship. The excitement from the first time home buyer regarding the new dishwasher.

As you can see we are coming to the end of this years destination, but would you not agree it was not the destination it was the joy and friendships we have created to last a lifetime . This is whats important and could easily take us down the wrong path!!!!

To my clients and friends who I have come to love you I say thanks for lettering me join in the joy of this great journey it has been a blasted and you have changed my life forever!!

I can't wait for the day when I get your call that says we're ready to go again. To head for a new destination knowing the journey will be the best!!!!

Over seeing the little this.....


As we move into December with all it's excitement let's do miss the little things that head us down a path we don't want to go.

Remember as life moves forward it is alway nice to have a great support behind you , beside you and even taking turns to lead.

Never allow anyone to take your joy you are fully in charge of yourself. Set your goal alittle high, fight alittle harder and love those you meet alone the way.. It's not always about the destination .... It's the joy friendship and fun you have along the way

Monday, November 28, 2011

New Home Sales up

new home suburban house New home sales continue to edge up, rise 8.9 percent from 2010

New home sales up

According to the U.S. Census Bureau, new home sales rose 1.3 percent in October from September and are up 8.9 percent from October 2010, and although the rate fell short of economists’ forecasts, improvement in the hardest hit sector is welcomed by new home builders in any form. The month ended with a 6.3 month supply at the current rate of sale and a median sale price of $212,300.

Just last week, the National Association of Realtors reported that existing home sales for October were up, while the number of homes on the market as well as prices are declining. With Freddie Mac reporting mortgage interest rates have dropped below four percent again, all of these indicators may improve in November despite weather conditions that often slow the market in select regions.

Additionally, this month, the U.S. Commerce Department reported that single family housing starts rose 3.9 percent in October, but the improvement was masked by an 8.3 percent drop in multifamily starts that kept national housing production essentially flat in October up only 0.3 percent. Single family home permits issued rose to its fastest pace since December 2010, up 5.1 percent for the month, a forward-looking economic indicator that we use to consider what starts will look like in the future. The multifamily sector saw a 24.4 percent increase in permits issued, hinting at a continuing multifamily rollercoaster of volatility.

Housing starts for single family combined with multifamily was up 17.2 percent in the Northeast, 9.7 percent in the Midwest and 1.6 percent while starts dropped 16.5 percent in the West. Permits dropped in the Northeast 1.6 percent and 3.7 percent in the Midwest but rose 5.4 percent in the West and 21.5 percent in the South.

Saturday, November 26, 2011

Christmas one of the funest times of the year!!!

Brings out the kid in everyone - Christmas Village Ogden Utah

IMG_0188.MOV Watch on Posterous

Lori Fleming CRS, GRI, E Pro, SSS, CDPE
Associate Broker
Century 21 Golden Spike Really

Wednesday, November 23, 2011

A Great New Way to Get to "ME"!! - QR Code???

What is a QR Code

They come to us from Japan where they are very common. QR is short for Quick Response (they can be read quickly by a cell phone). They are used to take a piece of information from a transitory media and put it in to your cell phone. You may soon see QR Codes in a magazine advert, on a billboard, a web page or even on someone’s t-shirt. Once it is in your cell phone, it may give you details about that business (allowing users to search for nearby locations), or details about the person wearing the t-shirt, show you a URL which you can click to see a trailer for a movie, or it may give you a coupon which you can use in a local outlet.

The reason why they are more useful than a standard barcode is that they can store (and digitally present) much more data, including url links, geo coordinates, and text. The other key feature of QR Codes is that instead of requiring a chunky hand-held scanner to scan them, many modern cell phones can scan them.


Scanner Apps are easy and free to get. Most of all everyone that has a smart phone should have a scanner. QR Code are the wave of the future and you will start seeing them everywhere. Get on board and enjoy the adverture 

Tuesday, November 22, 2011

What a sad day just picked up my key box off a home sold on the country steps today

Family tried everything from loan modification to a short sale. This poor family will be without a home for the holidays. Let's take a minute to be thankful for what we have look out for others and know you don't have to look far to see some one with worst problems then yourself. May the Lord bless them this holiday season and help them find a place to go.


Lori Fleming CRS, GRI, E Pro, SSS, CDPE
Associate Broker
Century 21 Golden Spike Really

Saturday, November 19, 2011

CAN I JUST SAY THIS WOULD BE A BLAST!!!! Fanfest | Speedway | Las Vegas Motor Speedway


Las Vegas Motor Speedway will kickoff Champion's Week in Las Vegas by hosting the NASCAR Fanfest on Nov. 30 at the Fremont Street Experience in downtown Las Vegas. The highlight of this free event will be a red-carpet walk by the 12 Chase drivers, who will then compete in a Newlywed Game-style game show. The show will be hosted by legendary host Bob Eubanks. Show cars, displays, celebrity Q&As and live music my Scotty Alexander also will be part of the Fanfest. The event begins at 1:30 p.m. and the drivers will arrive at approximately 2:15.


Noon -- Sprint and other displays open

1:30 p.m. – Intoduction of VIPs and celebrity question and answer session

2:15 p.m. – Drivers arrive and begin red carpet walk

2:35 p.m. – Game show begins

3:40 p.m. – Game show concludes

I would love to go.... Meeting or LasVegas??? Decision...Decision

Thursday, November 17, 2011

Lets help identifying a driver that ran their car off the road.

PRICE -- An accident in Spanish Fork canyon on November 2 has one family asking for help identifying a driver that ran their car off the road.

Brittany Stubs was traveling with her mother from Price to Provo on Highway 6 when, according to the Utah Highway Patrol, a semi-tractor trailer came barreling toward her in her lane. In an attempt to avoid a head on collision, Stubs swerved onto the shoulder and hit a parked trailer.

"They had to Jaws of Life her out of the car, then life flighted her to the hospital," said Stubs stepmother Barbara Holley.

The 22-year-old Stubs was transported to Utah Valley Hospital where a team of trauma doctors have been treating her for the last couple weeks.

All we know is that it was a semi-truck. We don't have a full description other than a commercial vehicle. We don't have the color. We don't have the markings or the company name.
–Cpl. Todd Johnson


"She's really going to have a lot to overcome," Holley said. "What we need from anybody out there, who may have been in the canyon around nine in the morning, is any witness to the accident who could give us information."

According to the Highway Patrol, the driver of the semi- truck did not stop after running Stubs off the road.

"All we know is that it was a semi-truck," said Cpl. Todd Johnson, spokesperson with the Utah Highway Patrol. "We don't have a full description other than a commercial vehicle. We don't have the color. We don't have the markings or the company name."

The Highway Patrol is asking for anyone with information to come forward.

As Stubs lay in the hospital recovering, her family is trying to take care of her two young daughters.

Event Center at Carbon County Fairgrounds
310 South Fairgrounds Rd.
Office: 435-636-3214


"Brittany's been extremely hurt. She's going to have a lot of recovery time and things she's going to have to face in the future," Holley said. "It's been a big shock, but, we all believe in miracles and you never know what's going to happen."

A fundraiser has been scheduled in Stubs' honor on Saturday, Nov. 19 between 4 and 8 p.m. at the Event Center at Carbon County Fairgrounds in Price.

Wednesday, November 16, 2011

Own your own Salon in Perry Utah

Some of the highlights about the salon are:
Opened September 2007
Center unit in a 3-unit building
Tanning Salon next door, opened November 2009
Approx. 1300 sq. feet
Right on Highway 89 in Perry
Steady clientele with great potential for more growth
Handicap accessible entrance
Main floor Restroom is handicap accessible
6 custom-made wet stations for stylists (sink is under the counter top at the station)
1 Nail station
1 custom-made receptionist desk
6 stylist storage cabinets
Central Vacuum System
Stained Cement Floors
Upstairs storage with washer and dryer
Storage under the stairs, and a utility sink
Waiting area with chairs
Completely decorated
Custom-made sign
Rear entrance with parking
On-site garbage dumpster

Tuesday, November 15, 2011

'Wizard of Oz' Munchkin Karl Slover dies at 93


It just seem like yesterday when I watch the Wizard of Oz for the first time. First half in black and white and when they got to Oz BLAM into color it was amazing.

Monday, November 14, 2011

This is what makes me proud to me a mama!!!

Mommy Medicine: Headaches explained


Once in awhile lenders requirements cause me and my buyers tension headaches. How about you?

Sunday, November 13, 2011

Warning! Dryer sheets could cause a house fire

That crisp, fresh smell on your laundry and lack of static cling provided by dryer sheets apparently comes at a price.


You can’t SEE the film, but it’s there. It’s what is in the dryer sheets to make your clothes soft and static free.  You know how they can feel waxy when you take them out of the box… well this stuff builds up on your clothes and on your lint screen.

This is also what causes dryer units to over heat and burn up the heating unit or to potentially burn your house down!!

The best way to keep your dryer working for a very long time (and to keep your electric bill lower) is to take that filter out and wash it with hot soapy water and an old toothbrush at least every six months.

These will increases the life of the dryer at least twice as long! How about that!?!

When is comes to buying or selling your home I have here to help you with any dangers you may find along the way. Interest rates are at and all time low making this a great time to buyer or refinance your home.

You could be in a new home for the Holidays what better present could you give yourself or your family for the Holidays but the American  Dream of home ownership!

Thursday, November 10, 2011

NASCAR Fines Kyle Busch; Places Him On Probation For Remainder Of Year

NASCAR Fines Kyle Busch; Places Him On Probation For Remainder Of Year

Kyle Busch has been fined and placed on probation by NASCAR adding to his suspension from racing last weekend at Texas.

Busch has been fined US $50,000 and placed on probation until the end of the year following his incident with Truck Series contender Ron Hornaday in the early laps of Friday's race at Texas Motor Speedway.

According to NASCAR's release Busch could be suspended indefinitely "if during the remaining NASCAR events in 2011 there is another action by the competitor that is deemed by NASCAR officials as detrimental to stock car racing or to NASCAR, or is disruptive to the orderly conduct of an event".

The Joe Gibbs Racing driver has lost any chance of contending for this year's Sprint Cup title after being unable to score any points in Sunday's race, which he watched from the top of his team's pitbox on his sponsor's request.

It remains to be seen if JGR will take any internal measures against Busch after his Sprint Cup sponsor Mars and manufacturer Toyota have expressed their disappointment over the driver's actions.

ATTENTION POTENTIAL SELLERS - There are frustrated buyers among us!!

Why is it so hard to find the right home now days with the interest rates so low and buyers willing to buy.

Would you believe it if I told you the inventory is down, seem almost impossible with all the local and national news stations talking about all the foreclosure happening all around us.

I have been working with multiple buyers looking for the right house and running into nothing but disappointment. The homes that are currently on the market are either way over priced due to the fall in the market and sellers not able to clear title,   short sale  which could take month to complete, or the homes are in need a major work and updating...UGGGH

One thing to remember when making on offer on a short sale not only do they take longer but they are usually in need of major repairs.  A family selling a short sale home has falling into a hardship of some kind. If is comes down to feeding your family or up keep of the home that is heading for foreclosure, they are going to chose to feed their family.

I keep hearing this to will pass.

As you can see  Weber County Utah's new listings for September are down 22% and year to date 15%

and in Davis County Utah's new listings for September are also down 24% and year today 17%


With this in mind now is a  great time to put your home on the market. DONT WAIT FOR SPRING!! If your home falls under the $300,000 price range and is in ready to sale condition this is your time to shine

Competition is at an all time low allowing you as a seller to get a higher price for your home, also now as we head into the colder months the buyers who are buying are serious buyers, and have to move. 

Most buyers dont like to move in the cold month and nestle down for a long winter nap. Now think about it not only do you have the most desirable home but you have a number of buyers looking.

If you have been thinking about selling and just can't decide let me tell you NOW is the time!!

Wednesday, November 9, 2011

Buy Michael Jackson's Final House and All Its Glitzy Contents - On the Market - Curbed National


Buy Michael Jackson's Final House and All Its Glitzy Contents

Wednesday, November 9, 2011, by Sarah Firshein

The Beverly Hills, Calif., estate that Michael Jackson rented at the end of his life is on the market, and many of its fancy-pants things will be auctioned on Dec. 18, including tons of fine art, some worth as much as $30K, an armoire estimated at $6K, a bunch of Louis-style antiques, upholstered seating, and, reports AOL Real Estate, the very bed where Jackson died in 2009 under no-longer-sketchy conditions. The 17,000-square-foot French chateau-inspired manse was designed in the early aughts by architect Richard Landry; it has six bedrooms, a wine cellar and tasting room, a movie theater with velvet-clad loveseats, a pool and spa, and a guest house with another bedroom. The home is owned by Ed Hardy CEO Hubert Guez, who tried unsuccessfully to unload the manse after Jackson's death, later blaming its failure to sell on the random woman capitalizing on the fame by peddling celebrity maps outside. At the time, Guez said, "Potential buyers are bothered upon approach by the quite visible and annoying constant illegal stopping and/or parking of cars in front of the home on what otherwise would be a quiet residential street." Consider yourself warned, map-seller Linda Welton. The active listing hasn't hit Redfin yet but Movoto currently has it asking $23.5M.

· One Hundred North Carolwood Drive [Julien's]
· Michael Jackson's Former Home—and Belongs—Up for Sale [AOL Real Estate]
· 100 N Carolwood Drive, Los Angeles, Calif. [Movoto]
· Michael Jackson Death House Owners Sue Holmby Hills Star Map-Seller [Curbed LA]

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28.6 percent of homeowners nationwide owe more than their home is worth, report says | Deseret News

SALT LAKE CITY — A new report shows that 28.6 percent of homeowners owe more on their mortgages than their homes could sell for. That's nearly three out of every 10, nationwide.

The quarterly report from the real estate Zillow indicates the 28.6 percent is worse than the second quarter number, which was 26.8 percent, and about the same as the first quarter number of 28.4 percent.

Dave Anderton, a spokesman for the Salt Lake Board of Realtors, said last month roughly two in 10 people in Utah are underwater in their mortgages.

In this May 9, 2008 file photo, a foreclosure sign stands outside an existing home on the market in Denver. A new report shows that 28.6 percent of homeowners owe more on their mortgages than their homes could sell for.

Associated Press
In this May 9, 2008 file photo, a foreclosure sign stands outside an existing home on the market in Denver. A new report shows that 28.6 percent of homeowners owe more on their mortgages than their homes could sell for.

"About 20 percent of Utahns are in a negative equity position, we call it, or owe more on their mortgage than what their home is worth or what someone is willing to pay for it," he said.

Home prices, which have been declining for four years after peaking in 2007, are a factor. Nationally, Zillow says home prices dipped 0.2 percent from second quarter to third quarter this year. Year-over-year, though, home prices have dropped 4.4 percent.

Of the 157 metropolitan areas covered in the Zillow Real Estate Market Report, 105 showed quarterly home value depreciation and 26 metro areas saw quarterly home values go up, and the remaining 26 metros saw no change.

"In (Salt Lake) County, home prices are still falling," Anderton said. "We're just hoping we see an end to the falling prices, especially for homeowners."

Zillow chief economist Stan Humphries predicts home values will go down another 3-5 percent before reaching bottom in 2012 at the earliest. He thinks the foreclosure market will remain "robust" for the next two to four years.

Experts say another reason the number of underwater homeowners appears to have increased from 2008 and 2009 is a change in how long the foreclosure sale process takes. The "robo-signing" scandal surfaced in 2010 when people were signing off on foreclosure paperwork in large numbers without properly reviewing the files.

That has changed, but experts say as a result there are added delays to foreclosure sales. That has boosted the number into the 26-28 percent range, instead of the 21-23 percent range prior to 2010.

Elsewhere around the nation, Zillow says more than 66 percent of homeowners in Phoenix are underwater in their mortgages. In Atlanta the rate is 58.7 percent and in Riverside, Calif., the rate is 51.4 percent.

Monday, November 7, 2011

The 8 Healthiest Housing Markets | Realtor Magazine - Salt Lake Made the list

Many of the housing markets projected to have the biggest gains into 2012 tend to be the home to major universities, strong private sector employment, or have nearby military bases, according to a list of the healthiest housing markets by Builder Magazine. Builder teamed with Hanley Wood Market Intelligence to compile its annual list of the healthiest housing markets in the country, factoring in housing projections from Moody’s The list was based on projected price appreciation, population growth, income growth, and improving employment picture. 

The following are the eight cities that topped Builder’s list, including projected housing permits in 2011 and 2012. 

1. Minneapolis-St. Paul-Bloomington Minn.-Wis.

2011 Building Permit Forecast: 4,511

2012 Building Permit Forecast: 10,118

Home prices here are expected to rise 8 percent next year, the highest growth projected in the 100 cities analyzed. As a hub for medical technology and headquarters for several large companies, employment is expected to grow 2.5 percent in 2012. 

2. Fort Collins-Loveland, Colo.

2011 Building Permit Forecast: 1,004

2012 Building Permit Forecast: 1,650

With Colorado State University the major employer here and often ranked as one of the best cities to live in the country, households are expected to grow by 2.7 percent in 2012 and employment is expected to grow 2.6 percent. Housing permits are expected to rise 50 percent as well, according to Moody projections. 

3. Salt Lake City, Utah

2011 Building Permit Forecast: 1,294

2012 Building Permit Forecast: 1,181

With lots of high-tech businesses, Salt Lake City is poised to have some grains in employment and income in the coming year. After a drop in home prices, prices are expected to rebound and increase 4.7 percent next year. 

4. Jacksonville, Fla. 

2011 Building Permit Forecast: 2,284

2012 Building Permit Forecast: 4,363

Jacksonville has a strengthening employment picture, with a military presence and a growing financial services sector. Employment is expected to increase 3.2 percent in 2012. With stabilizing home prices already, prices are expected to rise 5 percent next year and housing permits are expected to double. 

5. Miami-Fort Lauderdale-Pompano Beach, Fla. 

2011 Building Permit Forecast: 2,708

2012 Building Permit Forecast: 7,522

This metro area is expected to reverse course with jobs forecasted to grow by 2.7 percent, home prices stabilizing, and housing permits expected to double. The rebound is expected to be mostly driven by two major projects, the CitiCentre and Resorts World Miami, are expected to add tens of thousands of jobs in coming years.

6. Charlottesville, Va. 

2011 Building Permit Forecast: 634

2012 Building Permit Forecast: 798

The city is home to the University of Virginia and also continues to attract a surge in second-home buyers from the Washington, D.C., area. Home prices are expected to rise 1 percent in 2012 and median income is forecasted to grow by 3.7 percent.

7. Colorado Springs, Colo. 

2011 Building Permit Forecast: 2,099

2012 Building Permit Forecast: 3,639

The biggest employers in Colorado Springs are military bases and the Air Force Academy, which are expected to see big growth when the troops from Afghanistan return. Home prices are expected to rise 2.6 percent, employment to grow by 1.4 percent, and households to increase by 1.8 percent in 2012. 

8. Oklahoma City, Okla. 

2011 Building Permit Forecast: 3,417

2012 Building Permit Forecast: 5,284

At 6.1 percent, Oklahoma City has one of the lowest unemployment rates in the country. Furthermore, the job market is expected to continue to rise there, and incomes are projected to increase 3 percent next year. While the area has a seen a drop in home prices recently, housing prices are projected to rebound and increase 2.6 percent as Oklahoma City’s low cost of living continues to attract businesses and new households. 

See which other cities made Builder’s top 20 list. 

Source: “Healthiest Housing Markets: Mid-2011 Update,” Builder Magazine (2011)

Read More

10 Cities Where Home Prices Are Rising the Most

10 Cities Where Home Prices Have Fallen the Most

Saturday, November 5, 2011

REMINDER.....Daylight savings ends tomorrow ......fall back

Fall back what a way to think about it, I hate when it gets dark earlier in the evenings. How do you beat the fall time blues. Please share with me. Here are a couple ideas

1) Lighting .. Add more therapy light to help with moods
2) Exercise .. Go to the gym feel the excitement from others
3) Enjoy your evening with family and friend nestled in watching movies and playing game


Lori Fleming CRS.,GRI.
Associate Broker
Century 21 Golden Spike Realty

Did they foreclose by mistake in Utah


Utah Foreclosure Auction
In a recent article by The Associated Press, Utah Homes that have been Foreclosed upon in 2009 and 2010, are now under review due to Lenders seizing to quickly and not reviewing documents. About 4 million homeowners who may have been improperly foreclosed upon are getting an opportunity to have their cases reviewed after investigations from the government.

Here are some of the nation’s 14 largest mortgage servicers which are under review— Citibank, Bank of America, JPMorgan Chase and Wells Fargo

The orders require the lenders to pay homeowners when a “borrower suffered financial injury.” There is no minimum or maximum dollar amount identified.

Regulators say independent consultants will also review the cases and the reviews would take many months. If a consultant finds a lender erred, it will conduct follow-up reviews on other cases to see if the lender is trying to dodge blame.

“The challenge is substantial, but the steps we have required the servicers to take are vitally important to resolving these issues in a way that respects the rights of those who have been harmed and helps to restore confidence in the system,” said John Walsh, acting Comptroller of the Currency.

In the four years since the housing bust, about 5 million homes have been foreclosed upon. About 2.4 million primary mortgages were in foreclosure at the end of last year. Another 2 million were 90 days or more past due, putting them at serious risk.

Thursday, November 3, 2011

So hard to watch!!

What make him any different then any other parent just because he is a judge....Run him up the flag pole


3 Days to Greenbay Packer VS Charger ---or BUST Trivia--


3 Days to Greenbay Packer VS Charger ---or BUST Trivia--

Ok  friends lets see if you can bet Angie Fleming tonight here is the question READY SET .....GO

Ray Nitchke, Bart Starr, and Don Hutson are three of the four Packers to have their numbers retired in the 20th century. Who was the fourth?

PS we leave at 6:30 AM the Butt Crack of Dawn

Wednesday, November 2, 2011

SUNDAY NFL GAME: FOX 13 viewers pick Packers/Chargers for Sunday's game - KSTU UTAH


And we will be there look for us in the stands I will be sitting next to the crazy Girl in the Packer decor dancing wildly!!!

FOX 13 viewers have spoken and say they want to see Aaron Rodgers and the undefeated Green Bay Packers visiting Philip Rivers and the San Diego Chargers this Sunday afternoon.

That game defeated the Giants/Patriots contest 308 votes to 100.

Thanks to everyone who went on our FOX 13 news Facebook page and voted.

Game starts at 2:05 p.m.

4 Days to Greenbay Packer VS Charger ---or BUST Triva-- Question number

HOLY COW!!! I almost miss it...... 4 Days to Greenbay Packer VS Charger ---or BUST Triva-- Question number 4 will Angie Fleming be on top of this one..PS we leave Friday morning..

Who was the Hall of Fame quarterback that led Green Bay to their first Super Bowl?


Next week, Utah voters will select new city leaders as most municipalities will be holding elections.

Election Day is next Tuesday, November 8.  BUT YOU CAN STILL VOTE EARLY if you want to avoid the lines or if you don’t think you can make it to the polls on Tuesday.  EARLY VOTING IS EASY.  All you need to do is go to your early voting location and be sure to bring some form of valid identification, like a driver’s license or passport.


If you don’t know where to go to vote early, you can find your early voting location here: CHICK HERE

We know how busy you are.  But it is important to make sure that your voice is heard in the upcoming elections.  Please be sure to vote either at the polls next Tuesday, or vote early.  But remember – early voting ends on Friday, November 4.

DO YOU SEE THE PROBLEM....Notice before you buy your new home!!

Have you ever notice the little things when purchasing a home. It the little things that get you... the paper work...did you notice the toilet paper holder in the photos above

A home is a place of residence or refuge and comfort. It is usually a place where an individual or usually a family can rest and relax, communicate, share, feast and be able to collect and store their personal properties. Therefore it is important that when you consider a place to call your home, it must be a safe and pleasant place to be in.

ONLY IN THE about all I can say when I saw this homes fanastic bathroom....and no there is not a mirror and yes that is 2 I say 2 toilets seating side by side of the tub ..Notice the that is privacy at its finest!!!

Buying a house is more often than not, the single largest investment most people ever make; yet all too often it's a decision made in rush without adequate thought and preparation. In this article we will explore some of the house-buying mistakes to watch out for in your property hunt.

Love at First Site: Buying a home should be a business decision, but sometime your emotions get in the way. Make a list just like shopping for Groesry make sure you have all the things your famiy needs such as schools, parks and most of all how you taught about sex offenders and crime in the neighborhood.

Pre-qualified and Pre-approved Financing Being pre-qualified gives you a general idea of how much you can afford to borrow and keeps you from finding the prefect home out of your price ranges. Also it always you to present a stronger offer to the seller

Over-Buying You may qualify to borrow more, but you have to ask yourself again whether you can afford it or not and still enjoy life. My son came to me and told me he could qualify for 200,000 I told him I would help him with 125,000. He found that hard to believe until I should him the payments between the two.. He purchased a home for 125,000

Resale You should avoid buying a home that costs much more than neighboring homes and think before buying the most expensive house in the area. As a first time home buyer this will not be your last home look at your purchase as any other buyer would...What bothers you will bother other buyers. Buy your home thinking that someday you may need to sale it. 

House Inspection It is well worth your money engaging a House Inspector to check out the house to make sure you are not purchasing a money pit. It will also help you understand the workings of the home when your inspector explain the home good or bad. 

Buyer’s Remorse No place is perfect. There will always be surprises. Don’t let a few initial blips spoil the whole ride. And don’t miss a great house waiting for the perfect one! Failing to jump on an opportunity with interest rate being at a 50 year low what are you waiting for. To much shopping around can backfire. When you have done your homework and when you see something  that matches your needs and like, GO FOR IT!!! 

Now is a great time for buying