Buying in Northern Utah?

Find your perfect home in Northern Utah

Congratulations on taking the first step in your journey to buying a home in Northern Utah.

Buying a home is a big decision and a complex process, but it can be very rewarding. Besides being able to invest in your future, buying a home will allow you the freedom of customizing your space and enjoy a lifestyle that brings you joy and satisfaction! (aka. you can paint your walls and bring the puppies!). 

I created a video series for you in hopes it will help you see the entire process at a glance.  As always, never hesitate to contact me should you have questions about buying a home in the state of Utah.

The Buying Process

Step #1

The first step in the process is to meet with me for a 30 minute no-obligation consultation. This meeting can be in person, or over video chat if you’re out of state. 

Step #2

We will set up a meeting with a reputable loan officer to get you pre-qualified and find the best loan options for you.

Step #3

Time to shop! I’ll set up a listing alert based on your criteria and price preferences. You will then start receiving listings to your inbox as soon as they hit the MLS. 

Step #4

Time to tour! I will set up showings and take you through the homes you want to see until your find your perfect match! I will conduct a market analysis on your home of choice and help you determine the best offer and terms to submit to the sellers. 

Step #5

I will explain the legalities of the real estate purchase contract and draw up all of the paperwork to submit your offer! I will work diligently on your behalf to negotiate any counteroffers in a way that most benefits you and your goals.

Step #6

Once your offer is accepted I’ll collect your earnest money and you’ll officially be under contract! I will then work with your loan officer to make sure the financing stays on track. I will also provide assistance in your due diligence process. 

Step #7

I will order a home inspection with a trusted inspector or one of your choice. I’ll be sure to attend the inspection walkthrough with you. I will schedule contractors if needed and negotiate any repairs or credits with the sellers after the home inspection.

Step #8

I will order Title work on the property to make sure there are no red flags, liens, or any. problems with past ownerships. I’ll also negotiate any price adjustments due to appraisal, deadlines, or any issues that may warrant re-negotiation. 

Step #9

Once your financing is complete and we get the “clear to close” from your lender, I will schedule and attend the closing settlement to celebrate with you! You’re now officially a home owner!

Learn More About Buying

Want to learn more about buying real estate in Northern Utah? Check out these articles.

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Real Estate Attorney Vs Title Company: When you're in the process of buying or selling a home, you need a team of professionals to manage the purchase contracts and disburse the funds between parties once an agreement has been made. This task typically falls in the hands of competent Title Companies or Real Estate Attorneys. But, which of the two is best? 

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Homebuyer's Guide

Buying your first home can be daunting. This guide will walk you through the process step by step!

Frequently Asked Questions About Buying a Home

in Northern Utah, USA.

Initial expenses associated with buying a home are earnest money (.5-1%) and home inspection ($500 and up). If you bring any contractors to check specific items flagged in the home inspection you’ll be responsible for covering their fee also. The down  payment can range between 0-5% depending on the loan type.  Closing fees range from 1-2% of the price of the home. Depending on the market and location, closing costs could be paid by the seller. 

Earnest money is an initial down payment that shows you’re serious about purchasing. You can think of it as a good faith estimate. There is no specific amount required, but as a general rule I recommend anywhere between .5 and 1% depending of the price of the home. This amount is held in escrow and is applied to your down payment and/or any fees you’ll owe at closing. 

This depends on the situation but I can give you some ideas. From the time you start shopping to the time you close, it’s usually probably around 3 months. From the time your offer is accepted to the time you close, it is anywhere from 4-6 weeks. These are estimates and can vary, especially if you are selling and buying at the same time. 

I recommend we meet and get you prequalified 6-12 months prior to the time you want to be in in your new home. You will then have an idea of loan options, budget range, monthly payment, and approximately how much money you’ll need to have available at closing. Once you have this information and feel prepared, I recommend we start touring homes 3-4 months before the end of your lease. Keep in mind that you won’t have a house payment for 6-8 weeks after you close on your new home. This means you could potentially move in while you pay your last month of rent. If you’re cutting it close on time, you can ask your landlord to extend your lease on a month-to-month basis. If a lease extension isn’t possible, living with family/friends short term, or moving into mid-term rental could be an option as a last resort. However, I try to avoid this for my clients as much as possible. No one wants to move twice! Bottom line, the sooner you start, the sooner you can make a plan and the less stressful it should be.  It’s important for you to think of these scenarios and be prepared depending on your situation. 

As a buyer in Utah, using a realtor does not incur a cost for you- when you buy a home from the MLS. Homes on the multiple listing service already have negotiated realtor fees built in. If you decide to buy a home off market, such as a for sale by owner, and you want agent representation, my fee can be negotiated with the seller and depending on the case be included in the purchase price. While it might be tempting to “save” some money and fly solo, I wouldn’t recommend it, especially in a for sale by owner situation where neither party would have representation. This is likely the largest purchase you’ll ever make and considering the contracts you’ll be signing are legally binding, it’s in your best interest to pass the liability on to someone who is experienced and understands the process. 

Questions? Get in touch

(801) 645-9449

Call or Text

Email janice@homegoalswithjanice.com

What My Buyer Clients Have to Say

Janice was amazing! She was so great at explaining everything every step of the way. We were buying in a very competitive market and she knew all the ways to make our offer stand out. Working with Janice was a great experience and I’d recommend her to anyone!
by A. Brandley
Janice is incredible! Not only is she very professional, she is enjoyable to be around. As first-time homebuyers, never did we feel lost or inexperienced. We highly recommend Janice!
by C. Greenawalt
Janice made buying a home so smooth and easy. As a first-time home buyer, she made everything understandable and made sure we were always on the same page. You won't find a better and more transparent realtor than Janice!
by M. Thomas
Working with Janice was amazing! She was so patient as we decided exactly what we were looking for. She was so great to work around our schedule and was very knowledgable about any questions we had.
by H. Stewart
Janice was our rock through this whole process. As new home buyers we knew absolutely nothing. Janice helped us understand and no question was dumb or silly. She reassured us, advocated for us, and celebrated with us with every step. After working with her for over a year, we are thrilled with our new home and are glad we were a little picky and are grateful for her patience. You want Janice in your corner!
by M. Gleason

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