The guide library
Utah real estate guides
Every situation, every question, in one place. Whatever brought you here, buying, selling, relocating, or a chapter of life that came with a house attached, there is an honest, local guide for it below.
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This is the whole library, every guide we have published, sorted so you can find your starting point fast. Each card below is a hub, a section of the site that goes deep on one situation, and under it sit the individual guides that make up that section. The six groups move from the core process, to the life situations that bring people to a move, to the knowledge a newcomer wants before the first showing, and end with the money side: the mortgage.
In a hurry? Use the search box above to jump straight to a guide by name or topic. Otherwise, open whichever group fits where you are today. You do not have to read in order, and you do not have to read all of it. Start with the question that is actually on your mind.
Process
The two big moves: buying and selling
If you are buying a home or selling one in Utah, start here. These two hubs lay out the whole path, in order, with a deep guide for every step.
For owners ready to sell: pricing from real comps, prep, disclosures, closing costs, and choosing the right agent.
- The home selling process
- How to price your home
- Preparing your home to sell
- Seller disclosures
- Reviewing offers
- Negotiating as a seller
- Accepting a contingent offer
- Seller closing costs
- Choosing a listing agent
- Understanding listing agreements
- When the appraisal comes in low
- Home staging
- Selling before buying
- Closing day for sellers
- Moving out after selling
- High-impact repairs before listing
- Listing photography
- Calculating your net proceeds
- When the inspection turns up problems
- Selling a house as-is
- The rent-back agreement
- Capital gains when you sell
- Selling a manufactured home
- Selling a condominium
- Selling in a 55-plus community
Also relevant
For buyers, first home or fifth: pre-approval, the search, the offer, earnest money, inspections, and closing.
- The home buying process
- Choosing a buyer's agent
- Making an offer
- The buyer's negotiating process
- Earnest money explained
- After your offer is accepted
- Contingencies explained
- Home inspections
- The appraisal
- Understanding closing costs
- How escrow works
- Title insurance explained
- The final walkthrough
- House hunting tips
- Closing day for buyers
- The moving-day checklist
- Moving closer to family
- Buying a second home
- Co-buying a home
- Buying together, unmarried
Also relevant
Situations
When life brings the house along for the ride
Sometimes the move is not the plan, it is the result of something bigger. These guides meet you where you are, point you to the right professional first, and keep the real estate part calm and unhurried.
Divorce
12For couples sorting out the home in a divorce: selling, keeping it, the mortgage, and the timing, with your attorney leading.
- Divorce and your home in Utah
- Who stays in the home
- Selling the marital home
- Dividing home equity
- Buying after divorce
- Renting vs. buying after divorce
- Buying on a single income
- Divorce mortgage options
- The divorce timeline
- Selling before the divorce is final
- When the home is underwater
- Renting during the divorce
For anyone facing the home after losing a husband or wife: there is no rush, the advisors who come first, and gentle help with the home only when you are ready.
- Who to lean on first
- First steps, when you're ready
- Should I sell the home?
- Renting vs. keeping the home
- Downsizing, when you are ready
- Grief and big home decisions
- Transferring title after a death
- The mortgage after a loss
- Joint tenancy and survivorship
- Moving closer to family after loss
- When the home goes through the estate
- Living in the home during probate
For heirs with a house to figure out: probate, the keep, rent, or sell decision, taxes, and managing it from out of state.
- Inheriting a Utah home
- Probate and real estate
- Selling an inherited home
- Selling an inherited home as-is
- Estate sale or traditional listing
- Inherited property taxes
- Managing it from out of state
- Inheriting a home with a mortgage
- When siblings disagree
- Cash offer or list it
- Keeping it as a rental
- Inheriting a rental with tenants
Also relevant
For a move driven by work: selling your current home, deciding whether to rent first or buy now, and timing it to a start date.
- Corporate relocation
- Your state vs. Utah costs
- The best city for your commute
- Moving as a remote worker
- Rent first or buy now
- Buying before your start date
- Selling for a job move
- Temporary housing options
- Utah taxes for relocators
- Negotiating your relocation package
- Qualifying on two incomes
Also relevant
For owners behind on the mortgage, or about to be: who to call first, how the clock runs, and the honest options for the house, with no pressure.
- How foreclosure works in Utah
- Selling before the foreclosure sale
- A short sale in Utah
- Deed in lieu of foreclosure
- Forbearance and loan modification
- Job loss and your mortgage
- Bankruptcy and your home
- Behind on property taxes
- Foreclosure rescue scams
- Cash offer vs. listing
- Taxes after foreclosure or short sale
- Relocating after a disaster
Also relevant
Military PCS
12For service members on orders to Utah: buying near Hill AFB on a tight clock, using VA eligibility, closing before your report date.
- PCSing to Utah
- The PCS buying timeline
- Selling on PCS orders
- VA loan entitlement
- The VA appraisal
- BAH and Utah housing
- Hill AFB housing
- Military rent vs. buy
- The PCS relocation checklist
- Buying while deployed
- On-base vs. off-base housing
Also relevant
Life stage
Whatever chapter you are in
First home, a move up or down, or settling into retirement: these hubs match the guide to where you are in life, at the pace that chapter deserves.
For anyone buying their first home: pre-approval, saving a down payment, Utah Housing programs, and the path from renting to keys.
- The first-time buyer checklist
- Pre-approval explained
- Saving a down payment
- Rent vs. buy in Utah
- Utah housing programs
- Credit and your score
- First-time buyer mistakes
- Buying with student loans
- What to look for touring homes
- Gift funds for a down payment
Moving up
20For owners whose home no longer fits: whether to move, what the next one should be, and how to buy it without carrying two homes for long.
The move-up decision
Making the move
Choosing the next home
Special situations
Downsizing
29For a home that is bigger than the life in it now: right-sizing, the equity the sale frees, and an unhurried order for selling and buying.
The decision
The money
The people
The move
Also relevant
Retirement
15For choosing where to land in Utah: what each region's climate and homes are really like, and how to make the move calmly.
- Moving to Utah for retirement
- Retiring to Southern Utah
- Retiring to the Wasatch Front
- 55+ communities in Utah
- Buying into a 55+ community
- Retirement cost of living
- Selling to fund retirement
- Snowbird homes in Southern Utah
- Mortgages on a fixed income
- Healthcare access in Utah
- Features for a stay-a-while home
- Downsizing in retirement
- Utah cities for retirement
Also relevant
Specialty
For the less-ordinary purchase
Building new, buying an investment, or heading for acreage: these hubs cover the purchases that come with their own playbook.
For buying a brand-new home: production versus custom, choosing a builder, the build timeline, the contract, and what to negotiate.
- Buying new construction
- New construction vs. resale
- Spec, semi-custom, or custom
- Builder direct or your own agent
- Choosing a builder
- The build timeline
- Negotiating with builders
- Understanding builder contracts
- New-construction inspections
- Construction loans explained
- New home warranties
- Building a custom home
- Choosing your lot
- Upgrades worth it
For sizing up a Utah deal: running the numbers on a rental, the 1031 exchange basics, and the vacation-rental rules.
- Investing in Utah real estate
- The Utah rental market
- Buying a rental property
- Selling a rental property
- The 1031 exchange
- Airbnb and short-term rentals
- Vacation-rental rules
- Financing investment property
- DSCR loans explained
- Small multifamily property
- House hacking
Rural living
30For acreage, wells, septic, and distance: what to verify before an offer on rural Utah property, from water rights to road access.
- Moving to rural Utah
- Buying land in Utah
- Utah water rights
- Well water homes
- Homes on septic systems
- Utah horse property
- Bringing utilities to vacant land
- Off-grid solar homes
- Rural internet options
- Road access and easements
- Greenbelt tax status
- Bordering public land
- Wildfire insurance and defensible space
- Zoning for livestock and horses
- Mineral rights
- Irrigation water shares
- Hauled water and cisterns
- Perc tests and septic feasibility
- Heating a rural home
- Rural appraisals and financing
- Buying a cabin
- Horse-property checklist
- Surveys and boundaries on acreage
- Living next to agriculture
- Rural fire districts and insurance
- Manufactured home on rural land
Knowledge
Get to know Utah before the first showing
The lay of the land, the quirks of owning a home here, and straight answers to the questions people ask before they ever pack a box.
For anyone weighing the state: the regions, the seasons, the cost of the move, and how to choose where in Utah to land.
- Relocating to Utah
- Which part of Utah?
- Cost of living in Utah
- Utah taxes for new residents
- Moving from California
- Moving from Texas
- Moving from Arizona
- Moving from Colorado
- Moving from Nevada
- Utah culture and lifestyle
- Moving from Idaho
- Moving from Washington
- Moving from Oregon
- Moving from Florida
- Moving from New York
- Moving back to Utah
- Adjusting to the altitude
- What to know before moving
- Getting settled, the first 30 days
- The interstate moving checklist
- The best time to move
- Moving with pets
- Moving a home business
- Best cities for remote workers
- The job market by region
- Healthcare by region
- Commute times by city
- Water and snowpack
- The outdoor lifestyle
- Utah's most affordable cities
Also relevant
For new and soon-to-be owners: the quirks newcomers miss, from the primary-residence tax break to wildfire and insurance.
- Property taxes explained
- Homeowners insurance
- Wildfire risk
- Flood zones in Southern Utah
- Real estate laws to know
- Buying a home with solar
- Radon in Utah
- Hard water in Utah
- Home warranty pros and cons
Also relevant
Utah Q and A
24For the quick questions: is it a good place to live, what it costs, the snow, remote work, answered plainly and up front.
- Is Utah a good place to live?
- Why are people moving to Utah?
- Is Southern Utah still growing?
- Is it hard to buy a house in Utah?
- What salary do you need?
- Does Utah have income tax?
- Is Southern Utah expensive?
- Is Cedar City good for retirement?
- Does it snow in Southern Utah?
- Is Utah good for remote workers?
- St. George to Las Vegas
- Cedar City to Las Vegas
- Winters in Cedar City
- Living in Utah without a car
- How long buying takes
- The average home price
- Utah sales tax
- Utah's fastest-growing city
- Is Southern Utah growing too fast?
- How bad is Utah traffic?
- Hospitals in Southern Utah
- What St. George is known for
- Cedar City vs. St. George prices
- Is Enoch a good place to live?
Mortgage
The money side, plainly
Loan choices, the process from application to keys, the hurdles most buyers worry about, and how to buy the next home while you still own this one. Plain language, no sales floor.
See the mortgage hubFor buyers with credit, income, or history hurdles: an honest look at where you stand and the real options, no judgment.
- Buying with bad credit
- Rebuilding credit to buy
- Buying after foreclosure
- Buying after bankruptcy
- Buying after a short sale
- Self-employed buyers
- Buying with employment gaps
- From renter to buyer
- Collections and judgments
- How much income you need
- Buying with a co-borrower
- Buying now vs waiting
- What credit score you need
Also relevant
For matching the loan to the situation: the program families, who each one fits, and how the down payment, the property, and the timeline decide it.
- Low-down-payment options
- Conventional vs FHA
- Fixed vs adjustable rate
- Conforming vs jumbo
- VA loans in Utah
- USDA loans in Utah
- Second home vs investment
- How much down payment
- Utah loan limits by county
Also relevant
For the stretch between application and keys: pre-approval, underwriting, the appraisal, conditions, and what not to do before closing.
- How long a pre-approval takes
- Underwriting explained
- Between pre-approval and closing
- What can delay a closing
- PITI explained
- DTI explained
- How much house can I afford
- Seller concessions and closing costs
Also relevant
For owners buying the next home before this one sells: how two payments count, bridge loans, contingencies, and using equity you cannot spend yet.
- Bridge loans explained
- Contingent offers
- Qualifying before you sell
- Using your equity
- Recasting after the sale
Also relevant
The quick, answer-first questions buyers ask about qualifying: car loans, credit card debt, thin credit, closing costs, and carrying two mortgages.
- Buying with a car loan
- Buying with credit card debt
- No credit history
- Who pays closing costs
- Two mortgages at once
- Your loan when you buy again
Keep exploring
Don't see your situation? Let's talk
I am Scott Buehler. These guides cover a lot, but no library covers everything, and your move may not fit a tidy box. If you have a question that is not answered above, or you just want to think it through with someone who knows the area, tell me where you are and what you're working on. I will give you a straight answer. No pressure, and no obligation.
Not in Southern Utah? I will connect you with a partner agent I trust in your area, and stay involved.