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Daybreak Utah
So, what are you looking for? A new home? Daybreak in South Jordan has a wider range of new homes than just about any other place in Utah. But thats only part of the story. The real beauty of this place is what happens when you bring together all kinds of people and surround them with trails and mountain views and parks and good schools and shops and a big old lake. Does that sound like what youre looking for? Or does it sound even better? Emilie Knight can help you find the perfect new or resale home in Daybreak. She works closely with Builders and Sellers and has a keen knowledge of the area.

IVORY HOMES - RYAN BIRDSLEY
Come find out why thousands of Utah families have fallen in love with Ivory Homes, making us Utah's number one homebuilder for 20 years running. Whether it's a town home, luxurious estate or a second home in St. George, you'll agree our home designs are out of this world

Restaurant Guide
Salt Lake City Area Dining

Salt Lake Magazine
Insider Tips on Where to Go

Ski Utah
Official Source for Ski and Snow Information

The Sutherland Institute
Information and Ranking Data on Utah Schools

The Waterford School
Waterford School in Sandy, Utah provides liberal arts, college preparatory education for students in preschool through twelfth grade. The school instills the qualities of independent thought, responsibility and service as it helps students lay a solid foundation for college and prepares them to lead purposeful and honorable lives. The benefits of a Waterford education are found in the richness of its curriculum, the quality of its teachers, and the commitment of its students. As a Waterford Alumni and Parent Emilie Knight can attest to the incredible opportunity Waterford offers.

Utah Business Magazine
The Magazine for Decision Makers

Utah City Search
City Search for Salt Lake Area Gives you Restauraunt, Shopping, Hotel and Night Life Information

Utah Department of Education
Official State Site--includes public and charter schools

Utah Education Network
List of Utah School, District, and Higher Education Websites

Utah Maps
Maps available on Utah.gov

Utah Parks and Recreation
Explore Utah's Natural Beauty

Links:

COLDWELL BANKER

COLDWELL BANKER UTAH
Coldwell Banker Utah. This is Coldwell Bankers Utah Real Estate Web Site. You can search the MLS here or directly on our site. knightgrouprealestate.com

DJE KNIGHT RENT PAYMENT CENTER

DRAPER, UTAH
New businesses are coming to town. Beautiful homes are being built. Community centers and churches are being added into the mix. And the historic charm remains. The community is coming together, and the people who reside here are proud to call Draper their home.

EAGLE MOUNTAIN
Eagle Mountain is a Community for Families Avoid the inversions in the Salt Lake Valley. Live here in Eagle Mountain, surrounded by the mountains, with bright sunny days, clear starry nights, and clean air. Eagle Mountain is a master-planned community designed for all families. Walk or bike to your school, the library, shopping, parks, and even an airport. Reach any destination in the Valley Center on one of Eagle Mountains interconnecting trails, designed so you can walk or bike undisturbed by traffic. Eagle Mountain is one of Utahs newest and most progressive cities. The Valley Center has a new library, new schools, and new infrastructure. The city was designed to reflect the natural beauty of the mountains surrounding it, so all the utility lines are buried and out of sight. The community in the Valley Center at Eagle Mountain is growing fast, with a projected future population of 300,000 in 10 years. Visit Eagle Mountain today and observe its stunning beauty, experience its community-centered life-style, and try to catch sight of its innovative vision. Youll find yourself longing to be a part of it.

Great New Article April 30,2008
Top Story by PR or Business News Wire Unsold New Home Inventory In Salt Lake County Falls In First Quarter The number of completed, unsold new homes and condominiums in Salt Lake County fell to 977 units in the first quarter of 2008, down 6 percent from a record 1,037 unsold units in the fourth quarter of 2007, according to a report by Newreach, a Salt Lake City-based real estate research firm. Unsold new-home inventory in Salt Lake County in the first quarter was 124 percent greater compared to 437 unsold new homes and condominiums in the first quarter of 2007. Across Utah in the first quarter, Lehi had the greatest number of unsold new homes at 263 units. Saratoga Springs ranked No. 2 at 204 units. South Jordan was No. 3 at 189 units. St. George was No. 4 at 167 units. And Eagle Mountain was No. 5 at 157 units. Bill Gaskill, president and founder of Newreach, said unsold new-home inventory will continue to show declines throughout this year because homebuilders have stopped pulling new permits for residential construction. By this fall we will see areas of Salt Lake County with no vacant new-home inventory, Gaskill said. The deals and incentives will then go away. We will be back to pricing at the cost to build. You are not going to get a deal on a home that you have to build. New housing starts (the number of homes and condominiums under construction) in Salt Lake County in the first quarter fell to 1,111 units, down 31 percent compared to 1,605 homes under construction in the fourth quarter of 2007. Homes under construction in the first quarter showed a 55 percent drop compared to the first quarter of 2007. The decrease in new home starts is good news for the building industry and the overall real estate market, said Jason Eldredge executive vice president of sales for Newreach. We are more likely to avoid the drastic pitfalls that our neighboring states are dealing with. While there still are some problem areas, it could have been much worse had builders continued to pull permits based on speculative purchasing. In the first quarter there were 715 new-home closings in Salt Lake County, down from 784 new-home closings in the fourth quarter and 1,166 closings in the first quarter of 2007. In Utah County, the number of completed, unsold new homes and condominiums remained nearly unchanged with 982 unsold units in the first quarter compared to 987 units in the fourth quarter of 2007. In Davis County, there were 501 completed, unsold new homes, down 20 percent compared to 624 units in the fourth quarter. Across the states most heavily populated counties (Salt Lake, Utah, Davis, Wasatch, Weber, Tooele and Washington) the number of completed, unsold new homes and condominiums fell to 3,329 units, an 8 percent drop compared to 3,615 units in the fourth quarter. Over that same seven-county area, the number of homes and condominiums under construction fell to 4,571 units, down 15 percent compared to 5,346 units in the fourth quarter. The average price of a single-family home in Salt Lake County in the first quarter of 2008 rose to $380,000, a 6 percent increase compared to $358,200 in the fourth quarter of 2007. The number of completed, unoccupied residential units (977) combined with the number of units under construction (1,111) represented roughly a nine-month supply of new housing inventory in Salt Lake County based on 715 new-home closings during the first quarter. In other words, if no new homes were built it would take approximately nine months to sell Salt Lake Countys new-home inventory. Newreach specializes in new housing trends and has a team of research analysts that track housing starts and completed inventory along the Wasatch Front.

LEHI, UTAH
Lehi businesses declared to be 95% child appropriate. JoAnn Hibbert Hamilton, founder of Citizens for Families - Coalition for community Standards, announced that as of May 15, 2005, Lehi is the second city in Utah with 95% or more of its business being child appropriate. This recognition not only requires that 95% of its businesses cover up any inappropriate magazines that are in vision of children, but that it also has a proclamation or resolution passed by the City Council which focuses on the fact that they have started to establish child-appropriate community standards.

LOANOLOGY

RIVERTON, UTAH
Riverton is a rapidly developing area in the Southwestern part of Salt Lake County.

SANDY, UTAH
Money Magazine names Sandy the 23rd Best Place to Live in the nation. Every year Money Magazine publishes a list of the top 100 places to live in the United States. The decisions are based on affordable housing, leisure activities, cultural options, job growth, crime rate, weather, commute time, health care access and other factors.

Scentsy Wickless Candles
Scentsy Makes Perfect Scents. We are pioneering the move away from the smoky, sooty candles of today to safe, healthy, fun and creative ways to bring the scents that make us happy into our lives. We offer over 80 high quality fragrances delivered in a variety of ways. Our flagship product is the Authentic Scentsy Bar, an impressively fragrant wickless candle bar that is warmed in a warmer rather than burned with a flame. Each year thousands of homes are damaged or destroyed by burning candles. The enthusiastic response we receive from our customers, our consultants, and more particularly fire-fighters, reflects the nationwide concern over the devastation burning candles can cause. This was our initial motivation  to create a safe alternative to burning candles. Our passion has grown from offering a safe alternative to offering a better alternative. Going wickless has allowed us to offer the public a better, more cost effective method of scenting their world. I love these for Open Houses or Gifts. Check out the website.

SOUTH JORDAN, UTAH
South Jordan has a population of 40,500 15 minutes from Salt Lake City 4,330 feet above sea level (elevation) At exit #296 on Interstate 15 Utah's 15th largest city 5 min. From Salt Lake Community College 20 min. from University of Utah 30 min. from Brigham Young University 30 min. from 4 Ski Resorts.

STATE OF UTAH
The State of Utah's Website

The Birddogg
Yes I am a sponsor of my Crazy little brother James Birdsley aka " The Birddogg " James is an incredible fighter with more passion than anyone in the cage! Emilie Birdsley Knight & The Knight Group are proud of James and all his hard work and training at Elite Performance.

Utah Short Sale and Foreclosure Information
What is a short sale? A short sale is the sale of a home for less than what is owed to the mortgage company or companies, with permission from all lien holders. In other words, if you owe $300,000 on your home (with the market value being only $260,000) and your bank(s) decide to accept the $260,000 as payment in full, this would be considered a short sale because the bank is accepting a payoff less than the loan ammount. Why should I attempt a short sale? A short sale is valuable because it could save you from needing to file a bankruptcy; and it could save you from a foreclosure as well. If the bank(s) and lien holders agree to a short sale of your home, they could agree to do the sale and release your debt as paid in full. Making sure the payoff letter from the bank(s) is worded correctly is extremely important. As your agent I would do this to make sure you are protected. ﾷ How long do I have to reinstate my loan if I fall behind? Once you are 90 days behind on payments a notice of default is generally filed. From that time you typically have 90 more days to reinstate your loan. But they will generally not reinstate until your loan is brought completly current. After you are 90 days behind most banks will not take payments from you unless it is the ENTIRE past due balance. There are some banks that will set up payment plans but they require a lot of paperwork to do that and may deny that option to you. ﾷ How long does it take the bank to foreclose on a home? In Utah, once you are 90 days late the bank files a Notice of Default (which generally happens around 90 days after you have stopped making payments) you have another 90 days to reinstate the loan or the bank will file a notice of trustee sale. This is posted on the door and sent in a certified letter telling you the home will be going to auction on a particular day at the County Court House. They then will post the sale in the local paper for 3 weeks for public notice. The day of the sale they will sell the home to the highest bidder. Bidders must bring a $5000 cashiers check and have the balance in cash within 24 hours. Therefore most of the time the highest bidder is the bank. ﾷ What will doing a short sale cost me? If you list your home with The Knight Group the short sale process will not cost you anything. In a short sale situation, the bank will pay the real estate fees. In most cases, a short sale is completely free to the seller. ﾷ How long will the short sale take? They are not a quick process they can take months to negotiate everything and complete the sale. It just depends on the situation, how cooperative the banks are, liens on the property, mortgage insurance, and many other factors. ﾷ What are the advantages to doing a short sale? A short sale done right can save you from Bankruptcy and foreclosure if caught in time. ﾷ What happens to my credit after a short sale? Some report as settled, some as paid in full, some report paid off, but the 30-120 late payment will show up on your credit but are not as bad as a foreclosure. ﾷ Who talks to the banks during the short sale process? If you have a good real estate agent, then your agent will do all the negotiating with the banks and lien holders. In fact, generally you will have to do very little in the short sale process. That is why you have a Realtor! ﾷ What about liens and judgments on my home? The bank won't do a short sale while there are liens or judgments on the home. These will need to be taken care of before the bank will approve a short sale. This should be the job of your realtor to work out payoffs with lien holders. ﾷ How did I get in this position to owe more than the home is worth? The banks will always loan more money that the home is worth because they know its not going any where and that you wont want the bank to take it from you. Some times like our market today, the market is dropping and this will cause the home to be worth less than it was when you bought it. ﾷ Why do a short sale instead of just letting the bank foreclose? What many people don't understand about foreclosures is that they are actually worse than a bankruptcy on a credit record. With a foreclosure on your record, you could have severe difficulty buying another home for as long as seven to ten years! A foreclosure is the worst item that you can have on your credit report. ﾷ What is a Notice of Default (NOD)? A Notice if Default (NOD) is the notice the bank files around 90 days after you have stopped making your mortgage payments. It is the official notice that they are beginning the foreclosure proceedings. You generally have around 120 days after the NOD is filed before the bank actually forecloses. ﾷ How long will the bank let me go without paying my mortgage before they start foreclosing? 90 days till they file a notice of default, and another 120 days to go to the foreclosure action. ﾷ When the bank starts foreclosing on my home, what are my options? You have a few options. First, start making mortgage payments again and reinstate the loan. You might be able to get the bank to work things out with you (with their appropriately named Workout Department) and help you get back on your feet again. Another option is to find a short-sale-experienced real estate agent who can try to work out the details of a short sale with your mortgage company. If you can't reinstate the loan, then this is your smartest option. Many people believe that filing bankruptcy will solve all their problems when they are in default. Yes, bankruptcy can alleviate the need to continue to pay off your home. However, the bank will still foreclose on your home and the foreclosure will still end up on your record and ruin your credit even if you file for bankruptcy. This is what most people don't realize. When it comes to your mortgage, bankruptcy won't save you from being foreclosed on and having your credit ruined. Technically, your third option is to do nothing and let the bank foreclose, but this is not recommended as nothing good can come of it. ﾷ What is a reinstatement? This is when you catch up on your payments and bring it current. you have about 90 days to do this after they have filed the NOD. ﾷ What is a BPO or CMA? A BPO is short for broker's price opinion. This is basically an appraisal the bank orders during the short sale negotiation process to determine whether the value of the current offer on your home (after your realtor has been able to generate an offer on the home) is close to the "market" value of the home. A CMA is a comparable market analysis. This is another form of an appraisal a real estate agent might do on your home, comparing it to others in the area to assess the value. ﾷ Why will the bank do a BPO or appraisal? Short sales are a numbers game. The bank needs to know what the approximate value of your home is before they can decide if they want to actually go through with the short sale or if it be better off for them to for close. See it really doesn't matter what was owed on the property when everything went to pot. The deciding factor is what is it worth to day or when the bank forecloses and puts it back on the market. Can the bank come after me for the deficiency? Yes, unless the short sale is done right. If the bank forecloses they can come after you unless you did bankruptcy. ﾷ What do I do if the bank comes after me for any deficiency? Negotiate like no other. Try to settle. Offer them a cash settlement of $2000 to $5000 and let them know that's about what you would spend to do a Bankruptcy, but you want them to agree that when they get the funds it will show settled or paid in full on your credit. Do not send them a dime until you get a it in writing first then keep a copy of the letter and the check to send to the credit bureau if the bank reports anything different than you agreed. ﾷ What is a trustee sale or foreclosure auction? A trustee sale (also called a foreclosure auction) is the final step in foreclosing on a home. The bank turns over the sale of the home to a trustee (attorney), who attempts to sell the home. If there are no bidders at the foreclosure auction, the home is sold back to the foreclosing bank.