Julie Hadfield Loan Officer

10/30/2026

A lot of buyers hear “jumbo loan” and picture a sprawling luxury home.

But in South Ogden, that’s not always what jumbo financing looks like.

Depending on the home price, your down payment, and the current conforming loan limits, a home that feels like a pretty normal move-up purchase could require jumbo financing.

And jumbo doesn’t have to mean complicated.

I help my buyers look at the full picture: how much they want to put down, what they want their monthly payment to look like, how much cash they want to keep in reserves, and which financing structure makes the most sense for their bigger financial goals.

If you’re moving up in South Ogden, don’t let the word “jumbo” make assumptions for you.

Let’s run the numbers and see what your options actually look like.

10/21/2026

10/16/2026

Nobody talks about how much the financing conversation can change depending on where you buy.

If you’re looking in Farmington, you might also be comparing homes in Kaysville, Centerville, Bountiful, Layton, Fruit Heights, or Syracuse. On a map, they’re all relatively close. But the homes, price points, property taxes, HOAs, new construction options, and what you can get for your budget can look very different.

Sometimes a buyer starts convinced Farmington is the answer, and then we run the numbers on a home in Kaysville or Layton and suddenly there’s another option worth considering.

That’s one of my favorite parts of working with buyers in Davis County. I know this area, and I can help you look at the bigger picture instead of putting your entire home search inside one ZIP code.

If you’re deciding where in Davis County you want to call home, let’s compare the homes and the financing.

10/15/2026

🏈 REALTORS, IT'S TIME TO UPDATE YOUR PLAYBOOK!

The appraisal game is changing… are you ready?
Join Intercap Lending and Jared Preisler for The New Appraisal Playbook!

We're tackling the latest changes to appraisals, including ANSI, UAD 3.6, ADUs, square footage, and the new appraisal report!

Thursday, October 22
📍 USU Brigham City
Lunch at 12:30 PM
Class from 1–3 PM
Don't get caught running last season's plays!

LINK in bio to RSVP or contact me today!

09/24/2026

UAD 3.6 is one of the biggest changes to residential appraisals in years, and agents are going to start seeing it more and more.

The new appraisal format is already in use, but beginning November 2, 2026, UAD 3.6 becomes mandatory for all new appraisal reports submitted to Fannie Mae and Freddie Mac through UCDP.

So what should agents know?

The old appraisal forms are going away. Instead of separate forms for different property types, UAD 3.6 introduces one dynamic appraisal report that adapts to the property being appraised.

There will be more structured property information. The new format is designed to capture property characteristics and market information in standardized data fields rather than relying as heavily on free-form commentary.

Unique property features can be documented more clearly. Things like ADUs, multiple parcels, property characteristics and other features can be captured with greater specificity in the new dataset.

Comparable sales and adjustments still matter. UAD 3.6 changes how appraisal information is collected and reported. It does not eliminate the appraiser’s analysis of comparable sales, adjustments, concessions, location and market conditions.

And one important date to put on your calendar: November 2, 2026. That’s when UAD 3.6 becomes required for new appraisal reports submitted through UCDP.

If you’re an agent in Northern Utah, you don’t need to become an appraisal expert. But understanding what’s changing can help you better prepare your sellers, set expectations with buyers, and know what questions to ask when an appraisal comes back.

I’ll keep you updated as we get closer to November.

09/17/2026

Summer always seems to fly by, and now that things are settling down a little before the holiday season, it can be a great time to start thinking about what you want next year to look like.

If buying your first home in Malad or Preston is somewhere on that list, you don’t have to wait until you’re ready to make an offer to start exploring your options.

Create your free Buyer Profile with me to see homes that fit your budget, explore different price points, and get a better idea of what your buying power could look like.

No pressure to buy. Just a really helpful way to start figuring out what’s possible.

09/09/2026

Condo financing is changing, and if you’re helping buyers in Weber or Cache County, this is something worth knowing before they fall in love with a unit.

Beginning with conventional loan applications dated August 3, 2026, Fannie Mae eliminated its Limited Review option for condo projects and expanded its Waiver of Project Review. That means the condo project itself can play an even bigger role in whether a buyer’s financing works.

Here are a few things I’ll be paying close attention to for my condo buyers:

*The HOA’s financial health. Lenders review more than the buyer’s finances. The project’s budget, reserves, assessment delinquencies and overall financial stability can affect eligibility.

*Insurance coverage. The condo association’s master insurance policy matters. A buyer can be perfectly qualified and still run into a financing issue if the project’s coverage doesn’t meet applicable requirements.

*Repairs and deferred maintenance. Significant deferred maintenance, unsafe conditions or critical repairs can create eligibility problems for the entire project, not just the unit being purchased.

*Reserves and assessments. How well an HOA is preparing for future repairs matters too. Underfunded reserves can lead to larger special assessments and can affect how a project is evaluated for financing.

The big takeaway for Realtors: Don’t assume that because a condo sold with conventional financing six months ago, your buyer will automatically be able to finance another unit there today.

If you’re writing an offer on a condo in Weber or Cache County, call me before you write it. I’d much rather help you identify potential financing issues upfront than have you and your buyer discover them halfway through the transaction.

09/03/2026

Buying your first home comes with a lot of questions, and one of the biggest is usually, “How do I know when I’m actually ready?”

I work with first-time buyers throughout Weber County and across Southeast Idaho, including Preston and Malad, and I love helping people figure out that answer.

A Homebuyer Profile gives you a personalized place to start. You can see what homes may fit your budget, explore different price points, and understand what those numbers could mean for your monthly payment.

You don’t have to be ready to buy tomorrow to start getting ready today. Sign up for your complimentary Buyer Profile.

08/28/2026

There’s a difference between a home being on the market and a home that buyers really want.

In South Ogden, the right combination of location, condition, price, views, yard, and neighborhood can still get buyers moving quickly. When that happens, you may not have days to figure out whether the payment works, how much cash you want to bring in, or what kind of offer you’re comfortable making.

That’s why I spend so much time with my buyers before we ever get to the offer stage. We can look at different price points, run payment scenarios, talk through your cash-to-close, and understand where you have flexibility if you do find yourself competing.

Multiple offers don’t automatically mean you have to be the highest offer either. Financing, timing, contingencies, seller concessions, and the overall strength of your offer can all be part of the conversation.

If South Ogden is where you want to be, let’s do the homework now so you can make a confident decision when the right home comes along.