283 Auto Mall Dr, Suite 3

St. George, UT 84770
Loan Officer | NMLS #299717

(435) 275-4969

Monday-Friday 8am- 6pm MST
Saturday 10am-3pm, Sunday Closed

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Ryan Bolton: Top Utah Mortgage Resource

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Call Ryan Bolton with your questions about mortgage. Ryan supports both buyers and sellers. He’s a great resource for answers.

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Read Ryan’s updates on topics that affect living such as the housing market, mortgages, buying and selling property, community, events, and our economy.

Ryan Bolton shares How Today’s Mortgage Rates Impact Your Home
Economy
Ryan Bolton

How Today’s Mortgage Rates Impact Your Home

If you’re planning to buy a home, it’s critical to understand the relationship between mortgage rates and your purchasing power. Purchasing power is the amount of home you can afford to buy that’s within your financial reach. Mortgage rates directly impact the monthly payment you’ll have on the home you purchase. So, when rates rise, so does the monthly payment you’re able to lock in on your home loan. In a rising-rate environment like we’re in today, that could limit your future purchasing power.

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ryan shares how supply and demand affects mortgages
Economy
Ryan Bolton

Supply and Demand Affect Real Estate Goals, Here Is How So

In today’s housing market, there are far more buyers looking for homes than sellers listing their houses. Based on the concept of supply and demand, this means home prices will naturally rise. Why is that? When there are more people trying to buy an item than there are making that item available for sale, that drives prices up. And that’s exactly the case in today’s housing market. So, knowing what’s happening with the inventory of homes for sale and the demand for housing is crucial for today’s buyers and sellers.

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On Top
ryan bolton shares multigenerational housing
Economy
Ryan Bolton

Multi-Generational Living: The New, But Old American Way of Living

If your needs are changing, you may be thinking about sharing a home with additional loved ones, such as grandparents, adult children, or other extended family members. Whether it’s for financial or health-related circumstances, or simply because you’ve reached a new phase of life, you might be wondering if living with multiple generations under the same roof is a good move for you. Many people have found themselves in a similar situation and they’ve already made the choice to live in a multigenerational home.

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On Trend

Sellers

Ryan Bolton shares How Today’s Mortgage Rates Impact Your Home
Economy
Ryan Bolton

How Today’s Mortgage Rates Impact Your Home

If you’re planning to buy a home, it’s critical to understand the relationship between mortgage rates and your purchasing power. Purchasing power is the amount of home you can afford to buy that’s within your financial reach. Mortgage rates directly impact the monthly payment you’ll have on the home you purchase. So, when rates rise, so does the monthly payment you’re able to lock in on your home loan. In a rising-rate environment like we’re in today, that could limit your future purchasing power.

Read More »
ryan shares how supply and demand affects mortgages
Economy
Ryan Bolton

Supply and Demand Affect Real Estate Goals, Here Is How So

In today’s housing market, there are far more buyers looking for homes than sellers listing their houses. Based on the concept of supply and demand, this means home prices will naturally rise. Why is that? When there are more people trying to buy an item than there are making that item available for sale, that drives prices up. And that’s exactly the case in today’s housing market. So, knowing what’s happening with the inventory of homes for sale and the demand for housing is crucial for today’s buyers and sellers.

Read More »
ryan bolton shares about preparing your home for listing
Appraisals
Ryan Bolton

Listing Your Home: Quick & Small Home Tasks

Read this article if you are listing your home and want to complete quick and small tasks to prepare it for viewing. Utahn homeowners are at a great advantage in today’s market. One of the biggest concerns for a homeowner looking to sell is the time they’ll have to put in before listing their house. If that’s the case for you, you should know – your home might be closer to list-ready than you think in today’s housing market. A survey of recent sellers from realtor.com finds that many were able to get their house ready in less than a month. It says:

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On Trend

Buyers

ryan shares how supply and demand affects mortgages
Economy
Ryan Bolton

Supply and Demand Affect Real Estate Goals, Here Is How So

In today’s housing market, there are far more buyers looking for homes than sellers listing their houses. Based on the concept of supply and demand, this means home prices will naturally rise. Why is that? When there are more people trying to buy an item than there are making that item available for sale, that drives prices up. And that’s exactly the case in today’s housing market. So, knowing what’s happening with the inventory of homes for sale and the demand for housing is crucial for today’s buyers and sellers.

Read More »
ryan bolton mortgage utah resource and expert
First-Time Homebuyers
Ryan Bolton

Utah Homebuying: What to Budget for?

Homebuyers ask Ryan often what to expect and what to budget for when buying a home. When it comes to buying a home, it can feel a bit intimidating to know how much you need to save and where to find that information. But you should know, that you’re not expected to have all the answers yourself. There are many trusted professionals who can help you understand your finances and what you’ll need to budget for throughout the process.

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Ryan Bolton Helps with Things That Could Help You Win a Bidding War on a Home
Economy
Ryan Bolton

Utah Home Bidding Wars: Competitive Real Estate Market Utah Bidding Tips

tive! What can you do to compete in these bidding wars with other buyers? With a limited number of homes for sale today and so many buyers looking to make a purchase before mortgage rates rise further, bidding wars are common. According to the latest report from the National Association of Realtors (NAR), nationwide, homes are getting an average of 4.8 offers per sale. Here’s a look at how that breaks down state-by-state (see map below):

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