NMLS# 3151

Tuesday, September 25, 2018

So...are you feeling the pressure of your clutter in your home caving in on you & you are also thinking of selling your home?

Don't you worry about a thing...(Stevie Wonder always knows what to say!) because we are going to take you through a weekly challenge...so for the next 30 days, your home will be de-cluttered, packed to move & staged like a pro!  


It is essential to know what to keep and what to donate or throw away, so these questions will help you understand where to begin.
  • Is this item something I regularly use?
  • If not, is this something that I love and sparks joy?
  • Could someone else use it more than me?
  • Can I get away without having this in my life?
  • When was the last time I used this?
  • Am I keeping this out of obligation or expectation?
  • Am I holding onto this because I think I should love it?
  • Am I saving this just in case? for that “SOMEDAY?”
  • Do I have multiples of the same thing?
  • Could something else I own do the same job?
  • Am I holding onto a broken item to fix “someday?”
  • Is this item worth the time I spend cleaning/storing it?
  • Could I use this space for something else?
  • What’s the worst that could happen if I get rid of it?

When getting rid of excess clutter, we have to make a choice (or decision) of where that item will go. When you’re learning the process of how to declutter your home, it is essential to set yourself up for success.  This challenge, when appropriately used, will encourage you to take on the tasks to declutter your home.  If you’ve wondered how to organize your home, this challenge will help you in making decisions and finish with positive steps taken, without looking like a tornado just went through your house.


When decluttering, it is important to sort your items and then decide if you need to donate or toss them.  Take a look at the following six categories of where each object could go.

  • Grab a few boxes or trash bags so you may dispose of clutter accordingly and without hesitation.
  • Do each day’s task reasonably quickly, so it doesn’t become a job that you dread.
  • Have some clean dishtowels, paper towels and all-purpose cleaner handy to clean up the area that you declutter.
  • Put things back in an organized manner.
Here's the part where I give you the tools that you need to accomplish all of this, but I'm only going to give you tasks that you can complete in 1 week....then once you are ready for the next wee's challenge, you can come back for further instructions...sound easy enough? Let's dig in....literally!

  1. Gather your materials to get this done right the first time:
    • Boxes for moving (try to get ones with labels for rooms on the outside)
    • Sharpie...yep, you need to label everything
    • Big Trash Bags
    • A designated area for staging to move, to trash, to donate!

  2.  Be ready to part with EVERYTHING!!
    • When I say be ready to part with everything...I'm talking about you really need to take the time to think of each item and if you use it...keep it.  If it's in good condition, but you don't use it...donate it.  If it's broken...toss it!
  3.  We are only going to do ONE  thing each day...don't overwhelm yourself!

Breakfast/Dining Table

This is not your office or your children's collection of bags and toys...you eat there! You want your table to reflect your clean side...a nice runner with a small plant/flowers in the center...no table mats! Remove your table mats and clean up after every meal...this will become a habit for you and the kids! No shoes on the table!! Bad luck!! Remember, if your child comes home with wonderful drawings from school, begin a file box for each grade that they are in, file it there...not on refrigerator for now!

Kitchen Island & Hutch

Keep the island completely clean...that means no items on it!  You want to create as much open space as possible to yourself and the new buyer, so...Salt and pepper goes in the spice area (if you don't have one of those, it's a good time to start on!)...napkins, utensils, coffee maker is okay, but anything else try to organize in a cupboard or pantry! If you have a hutch, this can become the storage for everything that you may not have used in years...so go through each item.  Check expiration dates. Toss out anything that you have not used in the last 2 months...or donate box! Organize it so it''s neat and you can see what is actually in there..if it not used for the kitchen...it does not belong in the hutch...relocate anything to it's correct spot!

Mail & Paperwork
Everyone, including myself, has a hard time with this one!  When was the last time you read that magazine subscription you just had to have?  Do you keep all of your mailed coupons together, but then never use them?  Let me guess...you have a file for "TO BE FILED" and it never gets filed!  You are not alone!  This is probably the hardest task for me, but can be the most liberating! Pull out all of your papers that have filled the home and put them into a pile. Go through each paper...one by one!  If you don't need it, toss it, if if has personal info on it and you still don't need it...shred it! Are you keeping receipts for write off's at tax time, great...they get their own file! Once the pile has been broken down to Four: (1) File (2) Pay (3) Toss (4) Shred...then Just do it!
Start with the easy file...toss it! Then shred away the pile for shredding! Pay pile is a must, so do that before you file, because typically filing requires a little more cleaning to do! Once you are down to the file pile...shred anything that was from anything prior to this year (unless it's absolutely needed)like power bills, phone bills, etc. Shred them...be done and feel the weight lifted!!

Front Entry Coat Closet
This is the perfect time of year to really dig in and do something good with the stuff you are not wearing in the winter...pull out that donate box and get ready to dive right in!  Do you find yourself searching for gloves, hats, umbrellas? This is the perfect opportunity to get 3 little bins and label them in just that way...then you aren't always in search of what you need! If you collect coats/jackets...ask yourself: Do they fit? Could Someone benefit from this more than me? I cannot live without it...then toss into the donate pile!  By the way, this is a COAT closet for a reason, so if it's not a coat...then it doesn't go there!! 

Purse & Bookbags
How many times have you grabbed your purse or briefcase and it weighs more than your child?  Well...dump an clean. Exam exactly what you use and what you don't. If you have makeup everywhere, get a little ziplock bag and place what you need in there! Are you carrying files that are not needed...take them out, organize your business cards in a card file carrier, take only what you use!! Through away papers, file receipts, get it done!  Now, the kids..their bookbags are always full of crap...dump it out and see how many notes from the teacher you have missed!! Give them a binder to keep all of their papers in, make a tab just for the teacher and teach your kids to place it there! Lunch boxes need to be just that, in a lunch box!  Yuck..I hate gold fish at the bottom of my bags and collect whatever was sticky at the bottom...maybe jelly? Through it in the washer and clean it! 

Cleaning Supplies
Okay, this is a touchy subject...since your home needs to stay clean for showings, but remember, they are going to be looking under your sinks and in your cabinets!  This is where a cleaning caddy can really come in handy...keep one under every sink filled with the necessary cleaning supplies for that area...here's what is in mine:
1. Comet
2. Rubber Gloves
3. Clorox Wipes
4. Windex
5. Paper Towels
6. Scrub Brush
Keep it simple...then stack 3-4 rolls of toilet paper, feminine products put in a colored bag or jar, extra Kleenex, and if you use them...cleaning wipes for yourself!

Medicine Cabinet
I bet you thought I was going to tell you that on the 7th day you rest...fat chance, you have a house to sell!!  Okay, so here is the hard one. Since we all have medications with personal info on them...you need to go through each bottle and remove every label! You can keep the bottles to use for other things like bobby pins, paper clips, hair ties..whatever, but remove those labels.  Next, if it prescribed medication...you need to put all of those pills in a bag to take the pharmacy to dispose of correctly!  Don't flush the...it can pollute the water and pipes...NO, NO, NO!  This is so important to help with our drugs that are everywhere that we never want falling into the wrong hands...if there are hard narcotics in your home...consider buying a lockbox to keep them in and away from little hands!  Check all over the counter meds for expiration dates and get rid of them...the only things that really don't expire are aspirin and ibuprofen!  Toss the rest, but seal the bag!

Now you can rest...until tomorrow!!

Check Back Next Tuesday for your next List!

 We can help! Give us a call today and we can get you in touch with one of our amazing Realtors!

801-478-4545 info@ranlife.com

Wednesday, September 12, 2018

Realtors! Are inventory problems keeping your clients on the sidelines? RANLife Home Loans adds another solution! (2 min read)

Realtors! Are inventory problems keeping your clients on the sidelines? 

RANLife Home Loans adds another solution! (2 min read)

By James Coleman

Raise your hand if this has ever happened to you: you take your client to see 5-7 homes in a week. They fall head over heels for one, along with 15 other people. The home goes under contract to the highest and best, your client gets discouraged and the cycle is repeated.

Existing home shortages are a real problem. What is a good solution? Imagine taking your clients to a single appointment with a builder, getting them under contract with the home of their dreams and then collecting your paycheck after the initial loan closes in 30 days! 

Q. But I’ve closed on a new build construction loan and I was paid in 9-12 months after the builder accepted our offer and after the home was built. How can I get paid in 30 days?
A. That loan was likely a 2-step loan!

One-Time vs. 2-Step What’s The Difference?

The 2-Step requires cowboy boots and the One-Time is...... uh? Hip-hop dance?

One-Time Close: RANLife is the lender for both the construction loan AND the permanent mortgage. This saves time and money with one application and one set of closing costs. Once the home is complete, the loan is converted into permanent financing.

2-Step Loan: The construction loan and the permanent loan are closed separately. More work, more costs and 3-trimesters until you see your baby, Benny Franklin. Not to mention the client has to re-qualify for the permanent mortgage.

At RANLife Everybody Wins!

Builder: The construct to perm loan is made to the borrower which could significantly help the builder reserve their credit lines and cash for other opportunities. Risk of borrowers not performing due to rate increases is eliminated with our 270-day lock!

Realtor: You. Get. Paid. Once the loan closes in 30 days, you’re no longer involved! No more long builder meetings to go over options, customization and design.

Buyer:The borrower works with RANLife throughout the entire process. Qualifying for a construction-perm one-time close is easier than a stand-alone construction loan & their interest rate can be locked for 270 days!

Sounds Awesome! Do my borrowers qualify?

Minimum Requirements:
  • 680 FICO
  • 15% Down - YES! 15%, not 20-25!
  • Conventional Loan
  • Maximum Loan Amount:
    • SL County - $600,300
    • Tooele County - $600,300
    • Summit County - $679,650
    • Everywhere else - $453,100
Can’t get closing costs? Don’t worry! Our exclusive New Build Incentive Grant has your client covered for up to *$4,500 on a home in Salt Lake County!*Based off of a $600,300 loan amount. 
Call the Construction Loan Department Manager, James Coleman to discuss your project! 801.478.4552 or email jamesc@ranlife.com 

To learn more visit us at: https://www.ranlife.com/construction_loans.php
NMLS# 3151

Thursday, July 5, 2018

Looking For Ways to Beat the Summer Heat??

Summertime is perfect for all sorts of outdoor activities: going to the pool, neighborhood parties & BBQ's, hiking, walks with the dogs and so much more! But with all this heat also comes the challenge of keeping you and your family from feeling the burn!  So I'm passing along some natural ways to keep you cool using quick an easy tricks indoors, outdoors, and after a day in the sun...here are some quick tips from our friends that like oils and natural ways to ease the pain!!


Do you own a spray bottle? Seriously...get yourself a glass spray bottle with some nice cold water (I put mine in the refrigerator to really keep it cold)...you can add some simple natural oils to help keep you cool...like peppermint, basil, cardamon, cilantro (anything non-citrus).  Just add a few drops to your water bottle, shake it up well, then spray it to all of your pulse points..wrists and neck are the quickest...I love them it on my feet when wearing flip-flops!  Spraying down these areas will cool you down quickly...even if you are on vacation in Florida!! 

Wear the right clothing! If you have never taken the time to check your labels on your clothing....cotton is rotten!  It gets sticky quick!  So, try to find wicking fabrics that breathe, think yoga..athletic wear is a must in this summer heat!  It's easy to get hot in dark colors as well, so loose the black and opt for light grey instead!  The point is to keep the sweat away and still stay cool...I tend to find these fabrics everywhere nowadays, so check your labels people!

Are you drinking enough water?  I know that it sounds cliche' but water is you best friend in the summer!  You need to constantly replace the water that you are loosing with fresh, cold water...especially if you are drinking soda or alcohol!  Quick tip, you can also add peppermint, tangerine, cucumber, lemon to your water to give you a fresh taste..especially if you are not a big water drinker!  Make it fun and add fresh fruit, use a glass bottle if you use oils in the water! Cool down with some slices of watermelon...or even add that to your water as well!!

Eat Light! This is the best time of year to get all of your fruits and veggies in...they are light and in season, so take full advantage!  They digest easier and keep you from feeling full and hot...so if you can't let go of the burger and hot dogs...then at least add some cucumbers and watermelon...less is more!


The First thing to go out in Summer is your air conditioner!!  This is the worst, but happens every summer, especially with the summer we are having.  It will run all day and then freeze up or blow out the fan and stop working, so here some quick tips to help with that not happening...
  1. Get you HVAC serviced ASAP!
  2. Point a fan at an open window - this will help push some of that hot air back outdoors where it belongs!
  3. Plants like Eucalyptus give off natural diffusers to help cool and clean the air.
  4. Portable air filters...they clean the air and cool at the same time...they are great if you have pets because the dander will clean up as well and help with any allergies that you may be having right now!
  5. Blinds and curtains are your friends! Block the sun's rays in rooms you know are he worst, close the windows during the day and keep the shades drawn...when it cools down at night (If it does) then open the windows and doors to get that ventilation through the home and help your air conditioner out in the process!
  6. Water your lawn late at night...it will stay hydrated longer during the day...if you run your water during the day it can actually burn your lawn faster!
  7. When it's cooler outside, you can also take a damp towel and hang it from an open window helping the air coming in cool down as well.
I can't sleep in the heat!  You may be great when it's hot while your sleeping, but I get headaches..and just can't sleep!  Try this...take your pillow cases and bed sheets and put them in your freezer for a while to cool them down....put them on right before you go to bed!  Remember that water bottle we talked about earlier?  Well if it's cold and has a little peppermint in it, spray it over your pillow and sheets lightly and not only will it cool you off, but you will breathe better as well, I like Eucalyptus for this one!

Cool down your body!! Take a cold shower before bedtime, drink lots of iced water with lemon or peppermint...re-hydrate before you sleep!  Quick Tip, you can take your peppermint oil and add a drop to each ice cube tray, fill with water and BOOM peppermint ice! Yes, that just happened!


Sunburns are no fun!  So do what you can not to get a sunburn...yep sunscreen!! But, if you forgot while watching that Soccer game and find yourself with a nice pink tan-line, then here are few quick tips!
  1. Straight Aloe Vera.
  2. Cool Shower.
  3. Coconut oil with a few drops of Lavender oil
  4. Vitamin E oil
  5. Use that spray bottle again and add some Lavender with coconut oil
Trust me, from a person who burns fast and tend to go to the beach every year...everything that I have given you above is always in my travel bag...enjoy the summer the right way!!!

Let us help with the Summer Shopping!

 We can help! Give us a call today and we can get you in touch with one of our amazing Realtors!

801-478-4545 info@ranlife.com