Danene Strand - Welcome Home

10/15/2026

You don’t need to know everything about mortgages before you buy a home.

In fact, you shouldn’t have to.

There are a lot of “rules” buyers have heard over the years that simply aren’t true anymore, and believing the wrong one can cost you money or keep you from buying when you actually could.

I’ve been in mortgage lending for more than 25 years. My job is to know the guidelines, ask the right questions and help you figure out what actually applies to you.

You bring the questions. I’ll bring the experience.

10/07/2026

Whatever direction you’re coming from this month, I hope you take a moment to pause and really look at the beauty of the mountains.

Helping you discover not just a house — but all the reasons you'll love calling Northern Utah home.

10/06/2026

If you haven’t talked about appraisal changes with your buyers lately, now is a good time.

The appraisal process has been going through a major overhaul in 2026, and another big milestone hits November 2.

Fannie Mae and Freddie Mac are moving to UAD 3.6, which changes the way property information is collected and reported. Instead of relying on the same appraisal forms we’ve used for years, the new system uses a more detailed, dynamic report designed to better reflect the actual property.

For buyers and agents, that can mean seeing more detailed information about the home, its condition, features and characteristics in the appraisal report.

Starting November 2, 2026, UAD 3.6 becomes mandatory for new appraisal submissions to Fannie Mae and Freddie Mac. The remaining pipeline of older UAD 2.6 appraisals will phase out completely by May 2027.

I’ve been in mortgage lending since 2001, and changes like this are exactly why I believe buyers and agents need a lender who keeps up with what is happening behind the scenes.

The appraisal may look different. The goal is still the same: understand the property, protect the transaction and keep everyone prepared for what comes next.

10/01/2026

Thanks so much for your five-star review, Kenadee!

🌟Danene Strand 🌟
Loan Officer | NMLS # 442493
801-645-5363
[email protected]

09/30/2026

Welcome Home...Helping you care for your yard one season at a time.

09/29/2026

Mortgage myths have a way of sticking around, especially when you hear them over and over again.

After more than 20 years in lending, I’ve heard just about all of them.

You need 20% down. The lowest rate is always the best deal. Pre-approval is just a number. Every Farmington neighborhood is basically the same.

Nope.

If you’re thinking about buying in Farmington, bring me the things you’ve heard, read or been told. I’ll help you separate what matters from what doesn’t and build a financing strategy around you.

Consider me your local mortgage myth buster.

09/24/2026

Consider me the little voice in your head when you’re house hunting.

“Yes, the shower is amazing. But let’s check the numbers.”

“Love the kitchen. Let’s talk monthly payment.”

“Great backyard. How are we feeling about cash to close?”

I’m not here to take the fun out of finding a home. I’m here to make sure you can fall in love with one that makes sense long after the new-house excitement wears off.

09/22/2026

These numbers are more than statistics. They represent our parents, grandparents, spouses, friends, neighbors, and loved ones.

Together, we can help raise awareness, support families, and fight for a future without Alzheimer’s.

Join our team or make a donation by scanning the QR code!

09/18/2026

Every step brings us closer to a world without Alzheimer’s.

This September, our South Ogden Intercap Lending team is turning closings and community support into donations for the 2026 Walk to End Alzheimer’s! Together, we can make a difference for the families and loved ones impacted by this disease.

Want to be part of it? Scan the QR code to join our team or make a donation! Every contribution helps, and we’d love to have you walk alongside us.

09/16/2026

I learned a few things while doing this myself. They now sell wireless smoke detectors/carbon monixide detectors with a 10 year battery. At the end of 10 years you replace the entire unit. I am doing alot of these right now.

Furnace filters, tune-ups, detectors — and a little peace of mind before fall.