| Show CT4 Study Says Northeast California Residents Were Left Out THE WASHINGTON WASHINGTON — Too many people were left out of refinancing last year according to a new Columbia University study that analyzed 35000 mortgages in the 48 contiguous states Economists at Columbia with assistance from Chemical Bank found that as many as 50 percent of recent home buyers cannot refinance their homes because of declining property values especially in the Northeastern United States from Washington to Boston and the state of California areas hit particularly hard by the recession Joseph Tracy professor of economics at Columbia said he was surprised by the "sheer magnitude" of declining property values in some regions Falling home values have blocked many people from qualifying for mortgages "The entire process is unnecessary" said Tracy who the study ith Columbia professor An Purchase Refinance 1!- I -i Il 17ilit i I 'I II l I --- itir-gr-- — IS' lb -- m - k - ---- - -- ze fil owl -- c pig I IA 114 7o - - 11 MI 272-919- 38 0q - 0 lir $100000 9 (694-576- - R CP01 LrC13 Marketed 967-910- 8 sm Stele 6804232 Ansa OF A KIND 1 201 51980X1 HOME FINDING JUST LISTED!! 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Absolutely beouttlut Ocrrsly hot lolittEittlERI NOTE coed On ()most al ove ci All real estate advertised In stream tite4 otozt 6 Wire 4 Itts newspaper is suciect to the Fed- Rococo° ond a good valpriced ce: eral Fair Housing Acitcr ot 194 2 PV coneng and parTinj ue f0 a bre of ProPerW it which 8489 900 031 for mot lo see makes lite yard Illegal our:fitted Owen ono' Soerce or to advertise any preference 0 or --11 Oak ImitcSon or citscronsnonco based CLAYTON 942-333- 5 on tom color religion nahonai PROBE REALTORS 2724215 prohdorts barring families REALTY EXECUTIVES YAM chdaren cold or hcrdloopped NEARLY NEW and reader on persons or Intention to make cirri such preference limitation Of $189900! TILE AND OAK! 50Ieraa 2 sioty Willow °eel( weh sloa torlPy maw and Imo asalmination' 4 terra cinrg Neuta decor oat maned tog rnosow sute 3 bcrls 3 bc'hs e new dot r adventsed In OAARLA real estate ALL 0 STEEN this newspaper Is Equal Opoottroi roes horowcol Wool cm MAgiA S TTONWOODS km tom 262t 2 Ocey islOchen 012 4 Wows 4 FM wsh 19 Isar So) OPEN 6320 S VAN COTT - hdwood JO Larsen 6 0 STEEN TO SELL YOUR HOUSE! PAIS SAME ESTATE SECANCE QUALIN For more informaton bc leCgt- coil Tommy Century 24- 514404Z 24 Ai West tw COACEMKRARY 1 ard Sta EXECIFTVE r IN THE CITY 2 OPEN 2323 EAST 6660 SOIM1 3 year rya stone arid Vkmo vaulted ceiling& skylight& e crci hardwood ioors family room oil the letchen Pine cabinets WOnderful large master suite 359-374- bath 0 yr OF LTTAI1 20 FHAVA STREA LINE AVAILABLE YR We work for you not the bank! PREMIER 266-809- 2 MORTGAGE SERVICES di 4915 SO 900 EAST SALT LAKE CITY EMNI h s 11 A - 3-8- ' STroM—t 395—Open House 8PoCX QUALIN Moon RAMetERI U OF U 427 SO 12glEASt OPEN Pe mons hoottooad Art In lerchen tonna' Coro 2 topicstobAcos bernt hopw os3C tom we bar to study 5 bOrn 4 born 3903 sa 3 cot oarcoe tub Jtet street Must yard vett see! Only $209141 sca $i 80 CM MARK LANE 5804253 Jeff Wells GAGA 4867428 S SPRINGEIROOK DR (3345 W) JORDAN 2 STORY4 barn 2 both epic in Main kwn room - WEST HOLIADAY wordy Bickers Smith CHARMER! EXed85 1893 18003 E MEADOW DOWNS WY RANPUIZ ONE LIVE-car SO) SAdn rst JUST LISTED! 208 11053 South 1263 West JORDAN RIVER ESTATES WATER 2544265 PARK ND PARK DAVE OPEN 230-1190( Ma mon 5 00 ZOO S St OcIms (1250 PEN E 5802255 Itt b gm 90) tonna dining good roon ottcched 2 prus t on size leo room 2 bait) 3045 well heot cower grgclefcrZt worirsho Quiet street great necqVood 9 DOING IT UP GRAND! Breanaking Holladay home down primate lone Views 0024 the worksi Come OM see ire home you have been looking tor For more irrormaeon call Mai Lk larte 3 Open 12:00 3:00 PM 2055 East 6425 scum 5605672 CO PLUMB & 4867428 395' 00 ru) es en H s I OPEN OPEN 1230 - 3 30 5215 & COUNTRY with S MARGE D (520 E) Best value F Scrdy 3300 totd ia home pus urfoesheo bsrt 4 brims 2 Wee up Sp000us MIDVALE MAGIOCPSN master site welt) firepitLe Format 102 E Carlson S) When dining OA bar Don't miss ihs al book(7020 drEg true in great Mon poor torm room with Are MKNaks owed Ins kt a gern Ica Main floor 3r0 and ILO 'dimity BotirL 3 pace far mary eetas to d Witt Lots d RV parking rm 2 car Oat $124500 CALI °code dem auto DEBBIE AT 573487e2544474 ksSee knmaaJla spenieerst $129900 Joon 5531097 OPEN 9360 3546 OPEN BY SOUTH APP1 3610 9497 EAST & Morywood (1470 W) AST STOP 3 Super 2 story with master on Ca gar formai cirws large open kitchen wilt) wiv1e wash cabinets Asking $214 800 CAL Brand new on monist Aorwe Woobi eJwi In Ofernom Hilts Fan tos4c views voliey and noun torsi Brbr somber web 2 lemeis 1796 soft train cod 2nd WES 97590171254-747two each 5 Wm's 3 baths s latdNenS 2 boldly' 00(rnai plus CONTEMPORARY EXEOJTIVE RETREAT PR:hen dining fireplace 2cor OPEN 4 AT 2315 ESneoaan Rd rev daidad 3ra dive Bollom (1385 1) Room enough for qanct is dodos 2554 so ft 2 stories 5 tong piano in this hicp ulcer garooe Double dot's barns plus gorne rm kg kitchen 1c RV &Ye carport The onso is toirnot on COSUCli Great yea unfinished ideal tor workshop or' with 3 trptcs Remodeled-idoss w000shop restore antioue COM you wonl believe East of area COuict be inaafft Foo1hi1 Blvd $267500 CALL door racquet bat court NI for PEGGY GUNN AT tor" coke the is a weroeul them ono he budoer swris soid d tont bei JIM CIAYION 5 Hot Tub lost mctiong motet 1st tor a lot less COMMISSiON PTES SAME QUALITY SERNCE 4 For more bg area 14 24 Ink 2 Slay charmer seri basrnenet cane apartment S5OD 3400 No f1 total In SCPSIO OPEN SUNDAY 5 EAST 8020 SOUTH 1225 E Fort Union EV bdure 4 tirepk:es or secluded gated co REALTORS 2684450 G9EAT WPM GPEAT HOUSEI SAT SUNDAY id OPEN 4503 SOUTH GILEAD New be (4230 E) OPEN tan NACCARATO 5 Iseng 4300 SiCS it hang views crsd locolion In 3 We iorge frn Plugs 12-- 2 Cceswripofory Otswpos Cow Pam be co 37 oyes ci cok 5 tscen 3 baths cowed polio seduci- ed and pewee enced $20901 Word SorneN 5734777 Cart trTI vole mom Wm oak 'Schen dining "AM 3 Wan- - j34 balk vett fipt vouited rutty lartdscaped Finished hat blot with frc opuble garoge fenced 5270 W Blue Bonnet Cr W Joroan (6810 So) Open house Sat and Sun 12-- 5 by ptgerdl decks mottle Dims no k and eveociso ms ()Nosed pointcop pet and rndie $259ono 484266 Sceivc Cs (2745 East) 2i14 be SIONEBROOK 2 to 6 Sat HARVARDYALE OPEN - bon AREA NAUY $95500 MULTI-LE- VEL 5387 WEST VALERIAN (6805 sb) lrne lac:anon 4 adrrnt loge family POOM kelplace 2 tui fenced yard r trui?1: ed yard Open 14 J Sleonmon ReallyPro Central OPEN 114 7051 I Tremont (350 E) eat Nouse! 4 Bcirms3 bate fireplace tomiiy rm newer s corpe1s ("xi point greal decor! $116900 Pam Femore $116900 REiel ErECilAVEs 0 - oFel SUR 14 9048 1 Aida Lone (3730 West) 100 InisneO upOo4O rombef 5 brine 3 bolts coned 2dg:as ow min fit pouible - HOUSE loe court 83COM $429900 Plty Gip USA B B $79 895 C REAL ESTATE ord Sun 845 Yolecrest Ave (1015 Sol slay Cope Cod home 4 to 5 dml formal IMng Ond drong )orns plantation shutters lg MA n yd tangy roan area Wonderful nit home $295000 921 5001 300 EAST OPEN 130 4 30 Clean wee rnairsaineci did( home 2 I neon) comets Close to U of U Daventon hoed to seir Only $49700 JERRY POLASW 9 Wm rm kckyord 5 Large remodeled rambler bairns' 3 1171hsi Forma hIng cvol 2 s235 rooms( family ainna coo Carol 9 NICE 4 Liva 110ME 5090 west Joeod (6095 So) Den Sundae 3 fomey Foorn clootfe got fenced Ws UK need scte koed Slay 9 Peo9 Ifedf)1 Inc efm kal OPEN PM Sout Harvatarfole ToSaPy redone 4 Bcirms 2 baths beatikg Must see S149900 1520 ma HOLIADAY beck 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r i0C Asiwg $25C1Cak Re" AO On NÄ ouolrYlooj $550 ma 3'11 oath Now $1195001 Updated Ovea torshare key icrascoped updated throge ohs (Ouw 5 000 BRAD BWMENTHAL Setko inouries mot Stoma E 3873 So Lomo Dr oak cob lee Boors Kt I 01 irrIOCOIC mai dining nosier bcirrn (4Weit SUGAPHOUSE 2 sloe 5 OPEN SUNDAY kunoraTeg SUPER SHARP ore to Co 4864722 1 need flord 3 of 9697397 pm Trocit Island taunters Berber oak bar and SPOINt Plue KZirlowicreeti moiding New 11411ng upooied ihroo0oil 3 Ong PROBE REAL WCYPIDOEN VALLEY AREAJ iust rOPS 3 bent BEAUTIFUL see 4 at baths wet barns be kepoce Some revArrg and capers 2 Ockm DISPCIVE FW MCOAE fhb $104900 loo bah Kuny geof oat I 2 we Dt4S44 Snow con Priced ot S319901 French reutoireci windows Note Ihe GPO bor claws OPEN1-out:flitted 4 we no& ioe ot Ps pica Pi NE TOWNS' home von lot ioorled Oh mit bush brows only 1140 003 E 7es ode ooySpflaiden OutdCOr Igfr bfick WEST JORDAN RAMBLER nblet letAilly 8124900 715 So 900 East Ch00110 you? fovonte colors JARED PARKER 4 or &eat vcey op 4 bOrrrt 3 Oath ACRE ESTATE erect patio Total 3 toms tarn AcP3rWS vode0M(i REDUCED TO decoraled wilh crown mokings neo ft each levet Huge Ocher ar1000130 Oben Sunday 8 P rn Wks in 12521q "Oh Walait 1041Y levet &xi FOMOef room eKrts Wonl losti See skpm Co down today Oncl lrenct doom only 85290a Oweet Volt 2406911 Min Robin 5607482 Moti room Oct home co 0 000Iti woodso oot Or microwave 4rney EXCEPTIONAL CONDITIONI cpd 1 Rus Joon SOO Eosl 3785 South MODEL OPEN SO JORDAN floor moor WOO wonoorki kn FfrYnarlic multet LSS clace COrnp31or 3 bcont up 2 °own $179203- REALTY BROKERS PREFERENCE Optn SvAday 811114e4net 9o8 2088 ERA 2 large Sor POOrn stofrn WV) $127 00011 10876 SO 1375 W Sheitirook 541 Dot 000000 If morn of iocnen picriallco lryKrv 00 mon Mop SON: 124 OPEN SATURDAY ANO SUNDAY SAT WED SIJNOAY HOUSE RV lulteri MOW ceilings axi olv 5 2725 m071 DICK PATH REALTOR DIAMOND 031000 (Jaws velars Oioose ope colors ON on 001ingt your NIS HOME IS PIPSECTI peg arirg cry N New Sooth JorOon on Si acre Plc nos jult Den leOuoto on 4659 WEST TRitiiTY AA (4665 So) 5291 SO 1280 EAST Id CM di brick ramblers incluaes 4 (7660 So) moM level dot loaded sharp NEW Deko yit OTAPS-O-Cu Oorn ono do WO morns Lome horse ctooerty 2 story 4 birrn 3 MUST see super clean 4 Wm& 3 5 belfm 3 brattt kg- Tardy mom 3 bOrms oc tOeig1 edros 4 Wen 2 bate ma min view iot WPowcreek aria 0 New Wt nwa konoca new lici belt 't 3200 so 156S beouleul uo- Dorothy Kohogen Kermcs Or Wen Porn rocfn eh cozy 4re 30 das oe S4chert 4109900 room tomity 4 Wee Nsteact Cons 1130 Call lor tierces bars PIIJ3 oert Loolect 30 Oven dr 527 C013 Coi nowt lea Ford cioce best barge Irt SI VC 9J0 ing Secluded pono 4571 & Odeons eat '3760 W ) 942-- 3 REALTY So $24R 21525 dayi to ccenciel$on $295333 CLAYT94NI 1 Soon 573- - 086 Gdridl Col Doug 560M5 0 Tim Bel 57326ti 4 Keay won lee Poui 2725224 HodOen Volley Red Open RItrs 265-077- 7 tof Wirier 9423757 566-3- 2 1110C1 Re Signature REALTOPS 2554999 go 7k3 Homer 8 AMC Sloreotooke 0(0E0004 0423430 Dorbuty Reo Eskers KOh071 In ono homes con d Likes as11411wsocionce or DICX W000 2 story hoot hooseo on ol Oe b r 49e1REALTOR I VERY ATTRACTIVE t tInc Eala JP OWNSZ EOR SALE BY On STRETCH OPEN MAY 5 2200 South 2300 East i6 579 COMM &COMPANY RE BH&G SANDY RAMBLER OPEN 1663 E GRANADA (0017 OwrieriAgent Offering lave 3 bank 2 bal 't4e( with mar er tants room cria laundry 2 eating creak new loaripairilook MVOS ingS COCI most opplocroes Clean spacious ma ready tor ley $1 36 903 Call 59941427 St Properlies STEPHENS ft CcoaRsare Watley Cotkrh Marc $149000 6 murity 44 E LoMontogne (3485 9200 So) PAT EGGETT 5722092 MILLER Eric el! 0r tir pager 1381 VIEW& VIE'M VIEWS1 4coa col Skit 288405i or orgeous bricic fcrlDier 5 txtrns 2 botr tcricec kflthery turAy rm we kept to make ottec Opm to 5 1117 PSi'oltaes pm (40904040 TCS Real Estate Stow's and Torntny Vest WEST WILLOWCREEM rage I owner Extremity Ced WaS Si $164900 Owner anxious la cal dreal 3tbct EXCUSINIS $278 950 Ftencri 4 2 family ire Information seingsAA coil bog Ceckty 21 mountains Steps to Cryand 5 barns 2 bare aus act 0CC'EM FRENCH - Come and Jigt PAY HOUSE! ways s4est celowittE Brick Rarrbier 3300 sa' 25 am irci 2 car go- - HAYNqto-oktrott 6 YOUR Men you can OPEN SUNDAY 4 775 E 9Ih AVENUE ntitj Rah vaulter) owitriaA 5 corms- - 3 Whs horn off iiihnee whir hoot REALTORS 4781W WHY RENT? see tits 3 bcirm 1800 34 ft Plus see Open 14 &saw home INs rote antique arcNteclure over game F17 crocus oak doors and brass rent Rush t o under hardware 3 Wm 2 12 bare M71er4Ths cat ROSANNE AT May eOras 10055 & Wasatch RAI (3266 E) Cal Bob and Aid Come WHY PAY EASTS1DE 2STORY MIDI SIAM superior hare in exclusive area 6154 & lomardy (1625 E) Almost 2803 sq 3 barns 3 bare reaoce tarsal dining 6 Wm I Charring bah perfect lonely home 0 1 2 car par RV pareing and MOM Great school' $114982 OKN SAT Br SON Close I 70Q S Greenborough Dri BeatlhAy vacated Storeteook 17E Dove Beck freeway 6219000 - $6 9a To Sat $178900 12-- 3 irtYnOC torcgocittenced bag mentary (dose high crd shop900 Open House ping center Sot: and Sum 14 pm 4361 So 1425 W No agent& $142900 BOO PLUMB BRAD MORRIS ESTATE INC OdEa yd singe JUST P I PISII 25 '4129F Virdflaki 2600 huvge Nce 3 bckfit 3 bath Oe4 tardy room front room kl$thert laundry food storage 11130 (1382 EAST 2950 RAMEAIR 3 borm living (13300 South) DAVE ISEIM REALTY 21 &41wmcita Q1113 Jity Our& CLEAN 2619443 REEK! Supet dean I ond hen pc 3 PM floors at 2 balts 2 epics 2 oor gar pkg green house 2 fork rooms MIOW S3 5 ft tor room yoth frDc We bedroom 2 bath hot LO pwate Open Sun roje roorns idtchert formal airing bay wil St03000 Willowstreorn N47 $o (2115 DEB WEEK Oak 3 bcirm I balk 1830 salt 48591330 Pease Col $arah COF garacte nice yorct great street Si ic6011 OPEN 1 4 & ASSOCIATES home NO °OM et egont iniingtorrnat airing 4 barn plus rentod over gorooe at 5500 per ma wer hoe $239 00 (6570 goroge yard meandering HOME c ot located In o new homes Fontosit beck work log deck spa 4 tkJTi 2 40-- 3 haectwood cokie-so- am RV OPEN 2 STORY HOLLADAY oPEN 4 brims 3 baths 2 car gat c gas landscaped 5 Resat thorn on 92 yrs new $187WO 3985 Sa Arco hases (2030 E) RanbOW Pant poo& iCICLIZZL mountain views RV SubaMsiort parking garden bark skes and OM tor more 4 barn IL 2 balk 2800 upcyorte DRAPER OPEN SKIAYSATSLINDAY rSVtIVSaVn013 East2tall Bryon New Brick Countly nbec on Vs al Owneragent MIS acre 2150 soft main 6 bctrrns 320400 Nciwoods vaults lie carters Beauttrul home Is country serling PM U795130 1182 E Bear Hollow ar OPEN SAT & SUN Open Sudoy BEST BUY IN 1663 GARFIELD AVE Consituctoan NYTC HOLLADAY HORSE PROPERTY 1940 East 4625 South 5347806 liderrOoker 2765715 landscape yandi $159103 5 Ready lainary"-aDOUG PRANK HOLLADAY RAMBLER toot 00211 UM 5 bat CUTE HOUSE! cape 1 10417 N OM( CHNUE WONORFUL OISTOM oltdden Ooks 2 Idochens 5 8480 DAWN COL8BIT SUGAR HOUSE stream Han:mood floom large main gloat fcrnoty mom Miran and den Large master vitlh sitt”g room Wed laday at S369900 Sonny and Kathy langur° NOME Luxury Homes Open House 3 Calm 4 Co PLUMB & 11-- 3 7611 15 3 HOLIADAY OPEN 25 $219900 2306 E Lincoln Lane (4115 So) Highest duality lowest prlce in ored Worm colocki new 2 stow oSawance to fence- EAST DAIRY-- 65 Interior completely redone Newer comet and ceramic Me tight neutral od open Vautred ceilings newer furnace ana water hearer Finished basement with lank FMs den Of Skid arid 1 277 or 3 395—Open Houses PM SUN us bath :0000- torndy SAT ond FREKSON 5900 ith coved o XI Charring Ingo and nalura wooafatt 3 barn& spoclaus upstairs p us morn fr deft Tis bath& bag tom al OPEN 4 fah ra m I:realest nook citing 2 1599 W ELSIE OR doml 'Oct and rice back ESCAPE YOUR 10051 new oe other teattres al this hen 60y0 barn toed at Strain JUSI M tydr Fortier 4603 Jit 3 bae l master sulle comp WES FROM trkiVERSIIY mitt 1840 WILD WILLOW LANE 210-(1840 EAST 8950 301 iM: 395—Open Houses ENGUSH TUDO OPEN :0 igallka-l'- O:4:-- I a 0000 1:4) CO I : GIZ) 395—Open Houses rilnect 11"-- s 12 7 0 2 story Ir Federal Heights Jug reduced $50 000 Agent Don Bruernmet Gum AVNYS PROBE 36465100 TY' i : OPEN 1230-(1663 EAST FRESHLY PAINTM New REALTORS OPEN CLASSIC RE74EAT 101 war : 298-940- 0 'ENID SUMMER MEADOWS elI3ndn Luxury for Cove Priced under market 1 $299000 Roy Fekon or owe Beethoven Room eroxf kw orcro par° the big Ivog FCCel 5 towns otos gome room iurdierk oirsn costa Boil I300 HIGH AYES CONNOR PARK CONTEMPORARYPropsector ooper 0(? Salt Lake City Utah 84111 RATES AS LOW AS I WESTGATE MORTGAGE I W 500 SO BOUNTIFUL UT 1382 HUDSON AVE CREEK ROAD tooVs Oast rnaorg motet When yal con list sot a kt test 4 COMMISSION 6 NEW LISTING 4 OPEN 8256 South Pre Stews CCM3 (2230 East) IttonOerkt new Eastern cootie" PAY u: (2740 EAST) QUALITY! coa ist event 7 bedroom rambler Open House 10 AM - 1 PM JEANNE FOX 5801968 wet 3 re c roans 4 foreotoces crd 2081 E Rainbow Point Dr 575 EAST 11TH AVE new lutcherL AA stated on 1 1 1546 E STANLEY (9305 S) OPEN 4 OPEN 2305 t550 NOCK) (3955 South) age of sectoon on a p!tvo KALMRItiV Home shows better tan new Ide MANTAiNED1 714 3 ANGELSEA DR tone $45000a Ken Custom SANDY RAMBLER $129900 (p35d151:)ed s built bnck home 5p3oous room RICE Holaaay locceork oak Who Excellent tangy home 5 barns wth erKtin ecoe krskf loom town formai Beautiful I txtrrt 3 WIN RV park trpic main tV 2 bare Carey IITL 2 fireplacet SPERLING VOUned ceergs wdh large brick orong area ooze 3 Wm 3 dry 1540 salt on man lir with 2 den oversized gosaga Seiler baths 2658 so 1Z)5(14 i)' frolc $121500 bdfyrL 2 bath nice basement opt Ironsfer ed PALL MCCARREN 5187000 reed Low with separate entrance crci set 4 NE11 GLOVER 2 aate meters la Drage area 2 COLDWEIL EIMYS33i PREMIER oar views $19800a COUNTRY CHARM garage OPEN S new 3 oar gar 6 Wm) 3 bdrh GORGEOUSI $279 030 Rcrdy 2725811 PEALTOPS WHY PAY I I I I ettang1:LITZapsflzoeurre7t Ottl4akk: ligetlitt'' Sat '141'Mt RD a 391 EVENINGS & E 1 (4age rica LC BALLOON 1 6 712 central vac SZA home and rnonN 5140000 park-lik- e tEXINGION STATION New home High east nbenegr?anct5c7t Re-- SATURDAYS 7 I 5 YR YR FIXED RATE I FIXED RATE OPEN 2140 East 3010 SOUTH Lossy Brlok Rambler AS core Tree Covered View New patio home mode is now mat Mother-in-loNew come& in design °Nit:Ova opt $249900 1200 a Canyon Oest Stem Ev ot Mid S3130s Open of Davis 2958000 & Co 4&57755 REALTY BROKERS 15 - 1 14 esDr Owe' ogent 1 y y y y Pates change defy MURRAY'S ROBE Pool RAM8tER 30 OPEN 80UNTIRILI BRIO Suite y y E INHOME SERVICE LOCK IN NOW! YR 1 ''' ' CAROLINE vis Real Estate 5 POINTS561- -2600 414 658 30 TITO k 'A - NEW WITH A VIEW NEW ELEGANT ovER I ACRE WITH VIEWS ONLY $369900 ERA ALAGE 4 5734313 PROSE Parity roomt di ()ems si (Smolt sail Please cdi broker tot specific Oats aro tot shoWin 5939001 7 BRAD BLUMENTHAL MoNelote Aat COTION'e'000 Exdus Roseorts el Ito he of to cohorerocos his gorgeous 2 story custom home I 2 rs cdO LOCO Itte has Via MANSION Much Morel owner' 192 tvorre 6 banns baths remodeled $289 900 Open house Jan 15th ond 1641 11arn4am 1800 E Orcord O (3750 790 EMBASSY oers frymal Oirors Owning frcskw 3 car 9aws9e Hot sue twth 04)- - Serra Ond exouste on sei orrned Asating $725400 HISTORIC 043- -i NEW HOME $269900 New amts:is cribleeweh 6 barns 4 tahsi War hal oedipal kench Oom Ogre rnaDie oda amiable on Of boss Fob fresseor owe Goroeous often Moose- cooinest Le crd wood floor& be:MIKA SSosenlaney sows onso 2 stow ways 74 ocre Mt WO skeet par newspaper we not knowingry tor owl Wolaiton al estate efd I the law Oks readers ore neva InWes accept cry odyeritsernent formed thot to Moos in 13t streamlines available 8522 S 1300 RATES ARE LOW Rates are 4110255 8803090 1K 1 2724215 location! Open ond Otel tat - 400 spacious tioor pion Will Private 5485 (1975 El maskir suite seduced yard gos- 011 almost arci mon s Ht:'47°5Ilave Secluded wooded ifig:Xro 486-317- GORGEOUS NEW HOME IN - '5747491 red estate LELIS COLNIFIL LOT Ruskin Or (3315 E) S339900 S HOLLADAY Roc owe newspaper 9728 rnonts cid lots ACRE spies lorae tees Svearn tonwoods water share& rksoulti oortemocrcr? on 109 oc Loc on secluded ovt lone eh 'Tin old volley views 4 Sams 4 baths S3990111 Otti 8 SETMCES AQ04rEC1URALIX9GN 390 Geormroft84oc re 3 vvoo alr kitchen chariiiIra trot roorn master suite landscape yd 29 MapLes cotTaney SOUTH EAST BENCH 10721 So 4dden Picsge 1r (3150 & ELEGANT bind ahrg walemot km 5724327 WOODED WALKER LANE 0 -H- o YR I I il Open House 0 classic log horne 277-390- $695 000 uDotu:e 261-580- trout 4867428 4 6 FHA and VA ARM I $8104255 Frank Woo !t - VALLEY SANDY TRADMONAL on AC 44co soft 5 !Damn 2 bottL24w irt 50 pod and gazebo garaen spot-4Cobbestone Viloge Cir (10770 9 Sol 351300 Verna lG4 IhNESIMENTS REAL ESTATE I Bring this coupon into Westgate Mortgage and receive up to 8200 off your closing costs 4 111 1—— kriNef 5 11 OPEN 130440 3221 E Coronet Dr (4255 Li Holladay — 4 barms 3 bths RV parking Supw iocation Won't bast t 1 WARY OR t255 000 vouPi FANTASC Open A must see lotalty kiered oetitnots wolkoti bosernert 4500 ga ft neutral colon vautted 1500 so IL bt:s lust on Ihe $1479170 Geroge totnal ceilings 2 tone moms wet bar 2 ibepioce& Q d more Don t miss this one Ted Ford Stonebtook Real Estate SEE rim Ilitimussuentinnpat Ira intilation Biummull 1 BREATHTAKING VIEWS NEW Construction °Host done Choose your colorst Back constr: Parnbter 2 Muffs 4300 to 4800 so ft Outte Wall lose V45000 to 526500a Boll Remo( Profs Co PLUMB & Oof HILL DR Awl ARM 15 Yr For Loans Linder S100000 Cal For Rate Build 1 ItalcAerD )305000 cttivolt 53 5 66 drics or 3 N3101v NEW WORLD TO 3484 KINGS VIER your home loco Oy Phone to Ana yet& pachowg power to(No NOW 0 How Wien you con own? New home koon proorcrn tor With mory lumen con quolityl Free ote- The ESTATE REAL Irrnocticto tostekIN done home 411 cicpill Unobstfucted views Quo Itly horne $o be but On Ovate iot Open ore Oct voliti Q orryneretes you 4700 stpt wykiciwont 5 $429330 or 104 bulb 10 sAt MT OLY COVE CAD ol Top of Olympus Cove Cane silt Lt Caron Assoc 8 9 INFORMATION cci S insoe 13394873 $239000 t f) 81 Holiday Special I 230400 Douglas St (1250 L) Grog Kowa Isky 4844701 3 sotv home co high COUNTRY HOME OPEN 230530 vote thosser suite von" tevrg fOOM Readers itio0e be ocSisea ect 10043 So SionewoN Court (3325 El On0 gen 6 barn 4 We Z forty Wodefful Btandan Pork 3 mogrAcerit st'M on We mounwertsermerti accearing tes ca ome SvtelrofielS o ClUck aet worms 'Octal sun roam and umn mull be ocoed by lorstoe I Ns new Slone Joe ea'ng areas Exira barm off She sJia division tight dews VOLtfted Ihe imrhess or pfcreci raver stile Man Soar aloe ord eivocteci FRESTIGEOUS-E- LIA Vein& Da11 has been wnef Mot crict orle COCIOOStheardOCUOr CALIFORNIA CONTEMPORARY rg rtymollionmuslonty doomo wants home sold estee mess make direct con In t4dclen Vatiey within walking yesSeracyl loci tee ele seder or he Wheeze:1 distance al the motrtaine Vey GENT egerd cow cnd spacious with beautrul CAROLINE 359-374- 1 wm unbe!ieveobie ponotomto pulat el a mot:Pose vieot Over 5200 sa ft 3 odr CLAYrON 942-333- 5 views ThAs PIO crass ne hos 5 000 Hal Ericn barn 6 Dart crO oOe or entec- - PRO6E REALTORS M3:7 $325 CLAYTON 942-333- 5 FREE Wordey 8H66 enpoving Ine sunset tonwpoziust must PRO6E REALTORS 27241215 to see r AIM 3860 So 2300 East Suite 203 Luxury tamay horns high tailings elegant Winglonnsi (rang 4 11111 pkw rental ovw garage at 3600ma 1 101!!!il!Pl!!!-14-$4-- kr tote r 0 6 YY0 7 Yr 7 LUXURY S LITTLER RD (1330 El BeaueV Cote Cod Ira hone Over 5 000 sq if Mtn vattey views 8 Winn 5 2 for rms and morel Coll Gai tor p4yaks showing 8 Realty ExeoAyes Vea-c- 30 7 AP: 8 24 0 277-442- 4 390—Luxury Homes 391—Luxury Homes 395—Open Houses NEW HAMPSHIRE 3 r tooveruee 5 FiNANciALINc 'Minimum $75000 loan amount liCona Les Ellison Jerry Gay & —r 110DEN IL 0 '11' - 345 East 400 South Suite OPEN OPUI 030440 370 L 19130 South row custom items T Sandy! Gorgeous vise Iota Groat quality vows Hugs master suites custom kitchari mein family rooms 31 385004185000 I TRULY dm 0817 Nam It brand 2 Aaz'drson Assoc I bteotenat oulgv yart hugs tee --- IBUFIRST MMMPI MIIMMIWA 100-5:0- 0 Won:leral bray Dick &chorale 000440 bath 3tiorm great $105 000 Ai Ilernatait a:3"- Br Ulrich Realtors 6) 5004943 Wei 1 390—Luxury Homes 390—Luxury Homes Real Estate I IrtortratenSeracts NOTICE Willow Bay 10 Yr Builder Warranty Over 30 Plans to Choose From Low Monthly Payments Low Down Payments 12 Models Open Daily t9 34 cilio CALL FOR RATES BELOW UM SAWS Ueda Secret Nele487-529Natio OPEN Ap: Fixed 15-s- m 718 °PEA 1:004030 1704 S Glider Lana MOO IS) Sanctus Tudor ncedionca karat wogaided Snsat convoniont Sandy location bdrms 3 112 baths in 1970 & 1400 East ITVERTON daring Cross 13035 South 2700 West 254-974SL COUNTY Walnut Hills 966-2066200 So 5800 West E 15-YEA- neginbOrin:00d- - walglaam - vet Finest E4'4000 eye central NIT irngation water tred lardaraceng 5 Dick ilictuwiew 580-33Nay Ciwiebonsest awn its sauna ONUS't inert:Mit lub Iron Great cottage South OPEN 003440 OPEN 534 Refinance Fixed 5297 S letedes D (3000 L) Grand handy residents in Nottaday Beautifully upgraded on 38 sc 0020 & Toe Of The World f3075 LI Weed gm hot ElyEal0 - East-a- bath formal dining hoarier roof Wine wowed nenet $699011 Duane Cement 3 4804727 Nancy Poems Victoria Station 12150 South 2740 West 254-070- 2 Alida Meadows 7600 South 2700 West 562-577- 7 ''' R 'Yr 5 LOCATIONS 3214 West 4 20-YEA- Fantastic ris Crdit Perfect :— 2733318 NANCIAL Purchase OPEN L004:00 2737 L 3220 Smith Canyo6 Rae — Pict Nta Nice 3 bdrms 2 5t6t new lutchon virago" firmly apt 2139900 5607500 Larry Seiko 734227 4884760 OPEN 11004:00 27711 & WOO East 900 to$171900 S7 1 3 4bath basement realkoutiladOubla rocs yard nanghborhoot 9ir199 $69250 Ihme Pleischer Naiads Salre THORNE uniat 5620 -- R City A4 than NUL 12:00LO° 41441 $outh 2723 W Affordabl 4borm 1400-803-228-1 ! OPEN 2:004400 Lard Ave 1120i Neatttevi 24th kompooll Pm of ownrsPop otro-oiDos won't hese $154904 5994562 Gary Dempary ttzrir With Less S80000 min-- loan amount Please no other inques! SUNDAY OPEN NOUSE treotac 3 10 YEAR FIXED - HOMES 40401f THE EASIEST LOAN YOU'LL EVER DO WITH SERVICE AVAILABLE 30-YEA- or A'ew Homes so 1 7- 5:25 ASK ABOUT 171XED OUR NO CLOSING COST 3° "A° t Watelxvy Way Sue Sot Sae Lake Woe 84121 5635 159S WILSON FINANCIAL A 1A''LAR ZJE''t i's4 We Have Programs For Borrowers ditt'2V - YtItiptlw:1 Pr: a 2730566 $50000 MLNTIftLif LOAN -- 4 s:sii reivicIAL bc FIXED Sunrise NIORTG AGE RON :3760 Highland Dr 0200 Available Evenings & Saturdays -- k L 670000 553-886- 6 toii CI I ZiDlitAtjtilks'''4 01101qt 7-- Rates subject to ch Call for rates under OTHER PROGRAMS AVAILABLE ‘44:ci 7 7 612 0 WE MEET OR BEAT ANY LENDERS RATE GUARANTEED! 15 YR 277-228- 1 I -- 4 arH I! :--- jetfvAt 7 fwd 11140'1(111r4(1 OPEN Cc" I ri I t I I loans adiustobie tale loans cash teAnancing and VA streamlines 10 ?"i 273-337- 7 -- ARM C:NN6 - ' - 41 itt-E-ti W II Refinance of YR t71kIg4t& Rates are Based on $75000 purchase I - -- pt fsr7fro71J Ir $1'- Zglti - eaout yr We also Advanced Mortgage LC Purchase I - -- 3N 658 7 30 - I 1 SANDY UTAH YR 15 YR 30 mttr— --- I' - -- rduzs 1 11 HOME LOANS i11741 r '' 11141 r 00111 AusAmoutaAorsuitvicEs‘ I 14 ‘1 LIZI I '- - If:v8 1 t 1 al 16 1994 LOANS! te f I LLIt3(Th ' i1 drew Cap lin and Chemical Bank officer Charles Freeman Tracy suggested using a simple conversion feature in the original contracts to arrange a lower interest rate in exchange for a set fee "The question is from a system standpoint do you think its beneficial to let these individuals have a lower cost of financing! Why shouldn't they benefit from the lower rates! This could even mitigate the risk of default in the future- Tracy said The authors said the reduced rate of refinancing holds back consumer spending and promotes mortgage POST 1 1 of 1993's Refinancing Boom By Marianne Kyriakos I REAL ESTATE Sunday January The Sa'A Lake Tribune - to - st040nosti to k i) r H t IJ asc034 1i?W :t: :A - f::'A ' s a IL go J jeL 1: ""'!F --- - ' 4 ' rt ': r: t:4: 4 — t r": '7pr ' ' I'" ' : ' ' "" er'" ! :': tr ' t c' V)L 117 vv "1 or - (A4 -v t ' |
