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Welcome to Clayton and Associates'Salt Lake City, Sandy and Holladay Real Estate Website

Serving the Salt Lake County communities of:

Salt Lake City ~ Holladay ~ Sandy ~ Deer Valley ~ Park City ~ Jeremy Ranch ~ Midvale ~ Midway ~ Murray ~ Draper ~ Bluffdale ~ Herriman ~ Riverton ~ South Jordan ~ West Jordan ~ West Valley ~ Magna ~ Tooele ~ Stansbury ~ Grantsville ~ Bountiful ~ Alpine ~ Lindon ~ Highland ~ Lehi



Thank you so much for considering us for your next Salt Lake area real estate purchase or sale! We understand what a huge decision this is. We are willing to earn your trust and can't wait to help you achieve your dreams. We promise to make sure your questions are always answered, and that sale or purchase of your home runs as smoothly as possible. 

We are here to serve and help build your personal wealth through the ownership of Utah real estate, both personal and investment. Whether you're searching for your first home, buying your dream home or looking to invest in rental or commercial property, your goals are our goals, wherever you may be in life. Serving you would be our honor

If you are relocating to the Salt Lake area, we have a Custom Relocation Package for you. This package includes the history and culture of the individual neighborhoods in the Wasatch Front, including local skiing destinations like, Deer Valley, Park City, The Canyons, Snowbird, Alta, Solitude, and Brighton. At your request, we would be happy to mail one out to you. Check out our FREE MLS Search. Its your window to what's currently available on the market.  

If you are looking to purchase a home in one of the many cities of Utah, click on our Latest Listings link. Just insert your name and email address and we will send you a list of homes each and everyday until we find your perfect home! We specialize in serving, pre-foreclosures (short sales) and foreclosures throughout Sale Lake, Davis, Utah, Summit and Tooele Counties

Click here to learn more about, CDPE, Certified Distressed Property Expert. It may just be the answer you're looking for.  

Click Here to Receive Your Free List of Reo/Bank Owned Properties 

Please feel free to browse our website at your convenience. We understand how stressful home buying can be, but we promise to make it as relaxing as possible. So, no matter if you're Buying or Selling a home consider us to represent you in your next transaction!  

Looking for a BUYER’S AGENT? It's our job to make sure YOU find the exact home at the best possible price. You can be positive that I will help you make the best decision!  

Let us show you how we will Market Your Home all across the internet. Our Marketing Strategy will help to insure you have the a true Number1Expert assiting you in this process. 

Kandy Clayton and Associates MONTHLY TIP:
Top 10 things to know when buying a home.  

 

Kandy Clayton 

Salt Lake City  Short Sales
Let Kandy help you find a solution that fits Your Needs.



School Reports in Salt Lake City, Sandy and Holladay, Utah
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Real Estate Tips
Financing Your Home >The Margin on an ARM

When you are shopping for an Adjustable Rate Mortgage, the important thing to consider is the margin. Each time your loan is adjusted, the new interest rate will be tied to an index of Treasury notes. The margin is the percentage point above that index where your rate will be set.

Let's suppose that you have a one-year ARM with a 2.5 margin. Your initial rate was 7.5%, and during the first year of the loan, the index of 1-year Treasury notes was at 6.25%. The rate for the second year of your loan would be adjusted to 8.75%. With a margin of 2.75, it would increase to 9%. Some lenders offer lower initial rates with higher margins. In this case, the subsequent rates could be higher after the first year, than if you chose a higher initial rate with a lower margin.

If you are confused by the various mortgage offers, ask a professional mortgage broker to sit down with you and show you how it works. Today the rates and different financial possibilities are so variable that it is a good idea to talk to a mortgage broker--they usually know where the best rates can be found.

See All Tips In The "Financing Your Home" Category >
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Real Estate Trivia
Q 
Who received the largest land grant ever given to an English subject for only two beaver skins per year?

A 
William Penn, the Quaker leader, received Pennsylvania and Delaware to settle a debt owed his father by King Charles II.
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Clayton and Associates, REALTOR®, real estate agent and broker for Salt Lake City, Sandy and Holladay, Utah home listings, property and land for sale - NUMBER1EXPERT(tm)

Clayton and Associates
Clayton and Associates

7370 South Creek Rd., Suite 201
Sandy, UT 84093
801-676-0375
Fax: 801-676-0366
KandyClayton@NUMBER1EXPERT.com


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