Michelle Merino

Michelle Merino Michelle Merino
Senior Loan Officer
[email protected]

06/08/2026

Last time we looked how lenders determine your rate and your credit worthiness based on your credit score. We suggested that you order your credit reports from the 'big 3' credit reporting agencies. When you receive your credit reports look for mistakes or anything else you can challenge. According....

06/07/2026

Unless you'll be paying cash for a home or you are applying for a loan backed by the government (such as a USDA or VA loan) or a Fannie Mae or Freddie Mac loan, you'll need at least 20 percent of the loan amount in cash. This is the down payment, required by the lender. The larger the down payment,....

06/06/2026

After all the time you spent finding the ideal home, negotiating back and forth with the seller on the price and terms, both you and the seller may be stunned when the appraisal comes in below the purchase agreement's price. While low appraisals aren't as common as they were as we rose from the ashe...

06/05/2026

Things you'll typically hear and read about during a buyer's real estate market include low home prices, large inventories of available homes and little competition from other buyers. While homeowners naturally want to get top dollar for their homes regardless of market conditions, buyers' markets p...

06/04/2026

Parting with a big chunk of money isn't easy. What is easy is giving in to the tendency to want to beat yourself up after spending it. It's classic buyer's remorse, and, while it's not common, we have seen a few cases of it during our time in real estate. Buyer's remorse is more common in...

06/03/2026

If you purchase a home in a managed community, congratulations, you're about to become a member of, and be governed by, a homeowner's association, also known as a HOA. You'll be given a mountain of paperwork by this association and, believe me, these are some of the most important documents you'll r...

06/02/2026

As a homebuyer, you'll face one of three types of real estate markets as you embark on home ownership: buyers', sellers' and balanced. The type of offer you'll want to submit is highly dependent on the current market. In a market where there are lots of homes for sale and few buyers competing for th...

06/01/2026

A big part of the home sale process is the appraisal. No matter how much a seller wants for his home, or how much a buyer is willing to pay for a home, in the end, it all comes down to the appraisal. What is an Appraisal? A real estate appraisal establishes the market value of a property: the amount...

05/31/2026

Quick! Name something that's chaotic, scary, exhausting and sometimes sad. If 'moving' didn't come to mind first, you've been spared from one of life's major upheavals. Moving, by the way, isn't the same as relocating. In fact, relocating is like moving on steroids, without the benefit of performanc...

05/30/2026

In part 1 of our relocation guide we talked about preparing for the big move and how important it is to get clear on exactly what you want in not only a new home, but in a neighborhood as well. Now it's time to consider the financial implications involved in relocating to a new area. Let's go surfin...

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Tooele, UT
84074

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