Michelle Merino

Michelle Merino Michelle Merino
Senior Loan Officer
[email protected]

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...

05/29/2026

Whether you are moving down the street or across the globe, the thought of packing up all of your belongings and transporting them safely to your new home can be paralyzing. If you think of it as being akin to 'eating an elephant' (one bite at a time), it will all fall into place. Your first 'bite'....

05/28/2026

Once you've chosen a moving company it's time to go over the contract. Read it thoroughly before signing it. Scrutinize it to ensure that it lists the correct price, that the pickup and delivery dates and times are as promised and that everything you asked to be put in writing is included. Don't sig...

05/27/2026

There is any number of reasons that real estate consumers seek a quick close – from the need for speed to start a new job in a new city to the need to beat a lease's expiration. Today, the nationwide average closing time on a home purchase is 48 days, according to Ellie Mae's Origination Insight R...

05/26/2026

While a home inspection report is vital before purchasing an older home, experts agree that even newer homes should be checked.Not only will the report help you learn about repairs that should be made immediately, it's a handy reference guide to keep on-hand throughout the time you live in the home....

05/25/2026

The most common chicken-or-egg-type question in the real estate business has to be 'Should I sell my current home before buying another?' And, like many real estate questions, the answer is: It depends. Let's take a look at some of the factors that go into making the decision about whether to buy or...

05/24/2026

Of course you know that you'll need to pay a down payment on any home you hope to purchase with a mortgage (unless you'll be using a VA or USDA home loan). But, did you know that you will also need cash for an 'earnest money deposit?' Indeed you will, and it's a fact that surprises many first-time.....

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Tooele, UT
84074

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