Michael Garff

NMLS # 1951338

801-573-0063

Michael.garff@gmail.com

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First-time Homebuyers should avoid these 5 Mistakes

First-time Homebuyers should avoid these 5 Mistakes

Buying a home for the first time is a very exciting adventure, but as with any new experience it can be easy to make plenty of mistakes. In order to make a satisfying purchase, try to avoid these 5 big first-timer blunders. 1. Get Pre-Approved before loo

Jan 16, 2019 | Purchasing a Home First-time Homebuyers Preapproval

The Ins and Outs of a Down Payment

The Ins and Outs of a Down Payment

Being able to purchase a home is often tied to how much of a down payment you have saved. If you have never bought a house before, you may not understand what a down payment is or why it is so important. Here’s the basics you need to know as you sav

Jan 02, 2019 | VA Loans FHA Loans Preapproval Purchasing a Home

Happy Holidays from Sugar House Mortgage

All of us at Sugar House Mortgage would like to wish you a Merry Christmas and a Happy New Year! We would like to thank you for making 2018 a great year and for the privilege of helping you purchase or refinance your home. We hope that 2019 is a year ful

Dec 19, 2018 |

Should I Pay Off My Mortgage Before Retirement?

Should I Pay Off My Mortgage Before Retirement?

As you near retirement, you may be anxious to completely pay off your mortgage and be debt-free before your traditional income stops.  In most cases, this is the best plan but there are situations when holding on to your mortgage into retirement may

Dec 05, 2018 | Reverse Mortgages Refinancing a Home

Happy Thanksgiving from Sugar House Mortgage

Thanksgiving is a time to express gratitude to those who make a difference in our lives. Thank you for your continued support of our business; it’s always a pleasure to help you and your family with your mortgage. All of us at Sugar House Mortgage&

Nov 21, 2018 |

30-year Mortgages vs. 15-Year Mortgages

30-year Mortgages vs. 15-Year Mortgages

The majority of American home buyers sign up for 30-year fixed-rate mortgages (FRMs) – the staples of mortgage lending. And yet there is another option that may serve many borrowers better: the 15-year fixed-rate mortgage. Both loans include an inte

Nov 07, 2018 | Conventional Loans Mortgages Mortgage