This week we had the privilege of attending two very special closings to present the first two of eight $5,000 REACH Down Payment Assistance Grants awarded in this round. Moments like these are especially meaningful because they represent more than just a home purchase, they represent an opportunity that may not have been possible without a little extra support, helping more families take that important step into homeownership.

The REACH Down Payment Assistance Grant Program was created to help buyers overcome one of the biggest barriers to homeownership: the upfront cost of a down payment. Even for buyers who are financially ready to handle a monthly mortgage payment, saving enough cash for the initial purchase costs can take years. The REACH program helps bridge that gap by providing direct grant funds to qualified buyers, giving them the boost they need to move forward with purchasing a home.

At yesterday’s closings, we were able to see firsthand the impact that support can have. What might seem like a simple check presentation represents something much bigger...stability, opportunity, and the beginning of a new chapter for local families. Homeownership has long been one of the most powerful ways to build financial security and invest in the future, and programs like REACH help make that path more accessible.

The REACH program is made possible through the REACH Foundation of the Washington County Board of Realtors®, with support from local Realtors®, community partners, and donors who believe

If you’ve ever searched for homes or started thinking about buying or selling, you’ve probably heard the terms real estate agent and Realtor® used interchangeably. While they’re closely related, there is an important difference between the two, and understanding it can help you choose the right professional to guide you through the process.

A  real estate agent is a licensed professional who helps people buy, sell, or rent property. To become licensed, agents must complete state-required education, pass a licensing exam, and work under a licensed broker. Once licensed, they can legally represent clients in real estate transactions and help guide them through contracts, negotiations, and the home buying or selling process.

A Realtor® is also a licensed real estate agent, but with an added level of professional commitment. Realtors® are members of the National Association of Realtors® and their local Realtor® association. Because of that membership, they agree to follow a strict Code of Ethics that emphasizes honesty, transparency, accountability, and putting clients’ interests first.

In simple terms: every Realtor® is a real estate agent, but not every real estate agent is a Realtor®.

Realtors® also have access to additional professional resources that help them better serve their clients. Through their membership with a local board, they gain access to the Multiple Listing Service (MLS), market data, continuing education opportunities, and a network of industry professionals. These tools allow Realtors® to stay informed about local market trends and provide more accurate guidance to buyers and sellers.

For homebuyers and sellers in Southern Utah, working with a local Realtor® can be especially valuable. A local professional understands the nuances of the market, from neighborhood trends and pricing to the unique lifestyle and communities that make this area special. They can help you navigate the process with confidence while ensuring your best interests remain the top priority. If you’re thinking about buying or selling a home, connecting with a trusted local Realtor® is a great first step. You can explore homes, learn about the market, and find a local expert to guide you at SouthernUtahRealEstate.com.

When it comes to housing affordability, property taxes, and responsible growth, the decisions made at the Utah State Legislature affect far more than just real estate professionals, they impact homeowners, renters, buyers, sellers, and entire communities. Throughout the 2026 Legislative Session, REALTORS® across Utah have been playing an active role in advocating for policies that expand housing opportunity, protect property rights, and promote practical solutions to our state’s housing challenges.

Several bills this session focused on issues Utah families care about most: access to affordable housing, smarter land use, and clearer housing regulations. Support was given to legislation aimed at increasing housing supply without expanding government, making it easier to build starter homes in areas already zoned for residential use, and encouraging development that fits within existing neighborhoods.

Another focus was strengthening coordination around affordable housing infrastructure. New tools were supported to help cities and counties complete approved housing projects and convert surplus land into owner-occupied affordable housing. These efforts allow communities to grow thoughtfully while creating more opportunities for safe, attainable homeownership.

Advocacy efforts also emphasized consumer protections. Improvements to the Office of the HOA Ombudsman were supported to provide clearer guidance, better educational resources, and reasonable fee limits, helping homeowners better understand their rights and avoid unnecessary expenses.

Not every proposal aligned with affordability goals. Concerns were raised about legislation that could have significantly increased property taxes on certain rental properties, potentially leading to higher rents and fewer housing options. When issues like these arise, REALTOR® advocacy ensures lawmakers hear directly from housing experts who understand how policies affect real people, not just numbers on a page.

The takeaway is simple: REALTOR® involvement makes a difference. When REALTORS® engage with lawmakers, provide real-world insight, and stay at the table, legislation improves. Harmful provisions are amended, better solutions emerge, and housing policies reflect the needs of the communities they serve.

Housing decisions made today will affect our communities for years to come. REALTORS® remain committed to being a trusted voice at the table, working to protect homeowners, support affordability, and keep the dream of homeownership within reach.

With rising utility costs across the country, many homeowners are taking a closer look at how much it really costs to heat and cool their homes. If you’ve noticed higher energy bills lately, you’re not alone. Energy efficiency has quickly become a top concern for homeowners—and an increasingly important factor for buyers here in Southern Utah.

The good news? There are practical, cost-effective ways to improve your home’s energy efficiency while also boosting its long-term value. Whether you’re planning to sell soon or simply want to save money each month, these upgrades and habits can make a real difference.

Focus on Upgrades That Matter
Not all home improvements are created equal. Energy-efficient features like updated windows, doors, and exterior siding consistently rank high on buyers’ wish lists. These upgrades help regulate indoor temperatures during Southern Utah’s hot summers and cooler winters—and they can make your home more appealing when it’s time to sell.

A local Realtor® can help you prioritize upgrades that make sense for your neighborhood and price point. Many utility providers also offer energy audits or rebates, so it’s worth checking what programs are available locally.

Replace Old Appliances
Older appliances often work harder—and cost more—to run. If you’re replacing a refrigerator, washer, or dishwasher, look for energy-efficient models that use less electricity and water. Even small changes here can lead to noticeable savings over time, especially in homes with frequent use.

Upgrade or Maintain Your HVAC System
Your heating and cooling system does most of the heavy lifting in a Southern Utah home. High-efficiency HVAC systems with strong energy ratings can significantly reduce monthly costs. Regular maintenance—like changing filters and scheduling annual service—also keeps systems running efficiently and extends their lifespan.

Install a Smart Thermostat
Smart thermostats are a simple upgrade with big benefits. These devices automatically adjust temperatures when you’re away, helping reduce wasted energy. Over time, many homeowners see meaningful savings just by optimizing when and how their systems run.

Use Ceiling Fans Wisely
Ceiling fans don’t cool the air, but they do improve air circulation, making rooms feel cooler during warmer months. This allows you to rely less on air conditioning—especially during Southern Utah’s long summer season.

Seal Up Air Leaks
Gaps around doors and windows can let conditioned air escape, forcing your HVAC system to work harder. Adding weatherstripping, sealing cracks, and installing door sweeps are affordable upgrades that improve comfort year-round.

Improve Insulation
Proper insulation helps keep indoor temperatures stable, no matter the season. Attics, crawl spaces, and basements are often the biggest culprits for energy loss. Improving insulation can lower heating and cooling costs while making your home more comfortable.

Think About Landscaping
Strategic landscaping can help manage heat naturally. Shade trees placed thoughtfully around a home can reduce sun exposure during the hottest parts of the day. Just be sure to consider utility lines, soil conditions, and fire safety when planning.

Simple Habits That Add Up
Small daily choices can also help lower energy use:

• Close blinds during hot summer afternoons to block heat
• Set your water heater to a moderate temperature
• Unplug electronics or use power strips when devices aren’t in use

Energy Efficiency Adds Value
Beyond monthly savings, energy-efficient homes are often more attractive to buyers. Today’s buyers are looking for homes that are comfortable, affordable to maintain, and move-in ready. A knowledgeable Southern Utah Realtor® can help you understand which upgrades will have the biggest impact when listing your home.

If you’re thinking about buying, selling, or upgrading a home in Southern Utah, connect with a trusted local Realtor® through SouthernUtahRealEstate.com. Our Realtors® know the local market, climate, and neighborhoods—and can help you make smart decisions that pay off now and in the future.

Fall in Southern Utah: The Best Ways to Enjoy the Season
When the temperatures cool and the desert air turns crisp, fall brings a new kind of magic to Southern Utah. The red rock landscapes glow under golden light, local farms open their gates, and the community comes alive with seasonal events. Whether you’re exploring with family, friends, or simply soaking it all in, here are some of the best fall activities to enjoy across Southern Utah.

Red Hills Desert Garden Scarecrow Walk
Each October, the Red Hills Desert Garden in St. George transforms into a fall wonderland with its annual Scarecrow Walk. Dozens of locally made scarecrows line the pathways, creating a whimsical and festive experience for visitors of all ages. It’s a great way to enjoy the season while surrounded by native plants and red rock views.
Details: Free admission, open daily through October
Where: 375 Red Hills Parkway, St. George

Staheli Family Farm Fall Festival
A Southern Utah fall tradition, Staheli Family Farm is a must-visit. Located in Washington Fields, the farm offers a full lineup of seasonal attractions — from a pumpkin patch and corn maze to hayrides, petting zoos, and farm-fresh treats. For thrill seekers, the “Field of Screams” haunted maze brings nighttime excitement to life.
When: Late September through October
Tip: Bring layers for cool evenings and plan extra time for the corn maze!

The Farm Fall Festival at Fisher Family Farm
In Hurricane, the Fisher Family Farm Fall Festival is a community favorite. Visitors can enjoy live music, food trucks, a petting zoo, and a wide variety of locally grown pumpkins and crafts. This event is ideal for families and anyone who loves a true small-town autumn celebration.
Event Date: October 23, 10 a.m. – 8 p.m.
Location: Fisher Family Farm, Hurricane, UT 

Cherry Hill Farms Corn Maze
Cherry Hill Farms offers a picture-perfect fall experience with its pumpkin patch, hayrides, and corn maze. Families can explore during the day or enjoy the maze after dark with festive lights and music. It’s a great way to make lasting memories with loved ones.
When: Throughout October, 5:00 – 8:30 p.m.
Tip: Bring a flashlight for evening visits and comfortable shoes for exploring. 

Thunder Junction Spook-Track-Ular
For a unique Halloween experience, head to Thunder Junction Park in St. George for the Spook-Track-Ular . This ghostly train ride offers a fun and spooky adventure for kids and adults alike, complete with eerie surprises along the track.
When: October 27 - 30, and  6:00 p.m. – 8:00 p.m.
Where: Thunder Junction Park, 1851 S Dixie Dr, St. George

Tricks & Treats Night at Utah Tech University
Join Utah Tech University for their annual Tricks & Treats Night. This family-friendly event features trick-or-treating, a costume parade, a 1,200-pound pumpkin, live pumpkin carving, games, and activities. It's a perfect evening for families to enjoy the Halloween spirit in a safe and festive environment.
When: October 30, 5:00 PM – 8:00 PM
Where: Utah Tech University, 658 E 200 S, St. George, UT Admission: Free

Other Fall Highlights in Southern Utah

• Tuacahn Ampitheatre: Get your tickets and sit back and enjoy your favorite numbers, including Thriller, The Curse of the Mummy, Dem Bones, Frankenstein, Jason Jam, Salem’s Mass, The Lost Boys – plus a few new surprises.
• Kayenta Art Village Events: Browse seasonal art shows and markets in one of the area’s most inspiring creative communities.
• Zion Canyon Music Festival: Celebrate music, art, and local food set against Zion’s iconic landscape. 

Experience the Southern Utah Lifestyle
Fall is one of the best times to explore everything that makes Southern Utah special — from family farms and local festivals to the breathtaking beauty of red rock country. These experiences are part of the reason so many people choose to live, work, and play here. If you’re considering making Southern Utah your home, explore listings, market updates, and community highlights at SouthernUtahRealEstate.com. Because home isn’t just where you live — it’s where you experience life.

When most people think of the “hot” real estate season, spring and summer usually come to mind. Families are moving before the new school year, the weather is warm, and “For Sale” signs seem to pop up on every corner. But here in Southern Utah, fall can actually be one of the best times of year to buy a home—and here’s why.

1. Less Competition
By the time September rolls around, many summer buyers have already found their new homes. That means fewer competing offers and less pressure to rush into a decision. For buyers, this can translate into more negotiating power and a better chance of landing your dream home without a bidding war.

2. Motivated Sellers
Homes that didn’t sell over the summer may see price adjustments as sellers become more motivated to close before the holiday season. Sellers often want to wrap things up by the end of the year, which can create opportunities for buyers to get a great deal.

3. Perfect Weather for House Hunting
Southern Utah’s fall weather is mild and beautiful, making it a great time to tour homes. No need to worry about the scorching summer sun or winter chill—you can comfortably explore neighborhoods and picture yourself settling in.

4. Potential Year-End Tax Benefits
For some buyers, closing on a home before the end of the year can come with potential tax advantages. Mortgage interest, property taxes, and other deductions may provide financial benefits when it’s time to file. (Be sure to consult with your tax professional about your unique situation.)

5. Get Settled Before the Holidays
Buying in the fall gives you the chance to move in, decorate, and enjoy your new home just in time for the holiday season. Whether it’s hosting Thanksgiving dinner or decorating for the holidays, there’s something special about celebrating the season in a new place.

Final Thoughts
If you’ve been on the fence about buying a home, don’t overlook the fall season. Southern Utah’s housing market offers year-round opportunities, but autumn can give buyers a unique advantage. Whether you’re looking in St. George, Washington, Hurricane, or beyond, this might just be the perfect time to make your move.

The Washington County Board of REALTORS® (WCBR) is proud to announce that its June 2025 Golf Tournament raised an impressive $16,221 to support the REALTORS® REACH Foundation – Real Estate Assistance for Community Housing. This remarkable achievement was made possible thanks to the generous support of our members, affiliate partners, and sponsors who continue to champion housing opportunities throughout Southern Utah.

These funds are already at work. Thanks to the success of this year’s event and other donations, five $5,000 grants have been awarded to local homebuyers through the REACH program, which provides direct financial assistance to first-time and underserved buyers in Washington County.

The first round of grant recipients includes:

• Joshua Baum
• Celeste Juarez Cardenas
• Hannah Torres & Joshua Allsop
• Grant & Elizabeth Gunther
• (One additional recipient has chosen to remain private)

Three of these recipients are expected to close on their homes before the end of July, marking a major milestone in their journey toward homeownership. Each learned about the REACH program through their REALTOR® and submitted a formal application for review. Final selections were made by members of the WCBR Community Relations Committee, with approval from the WCBR Board of Directors.

The impact of this program is already being felt by recipients like Joshua Baum and Celeste Juarez Cardenas.
This program is about more than housing assistance—it’s about helping essential members of our community, like teachers, healthcare workers, young families, and first responders, and many others stay rooted in Southern Utah. By offering this kind of support, WCBR and the REALTORS® REACH Foundation are helping make homeownership a reality for those who might otherwise be priced out of the market.

The Washington County Board of REALTORS® is proud to serve as the local voice for real estate, private property rights, and community connection. Through its Community Relations Committee, WCBR leads a variety of initiatives that support and strengthen the region we call home.

The next round of REACH grant applications will open later this year. Homebuyers in need of down payment assistance are encouraged to apply. To learn more about eligibility or to submit an application, visit: www.RealtorsREACH.com

When people think about elections, their minds often go straight to the big ones—presidential races, congressional seats, or even statewide offices like governor. But if you want to see real, tangible change in your daily life, look closer to home. Municipal elections—those for city council, mayor, and local boards—affect your streets, your water bill, your housing options, and so much more.

From zoning laws and building permits to public safety budgets and sidewalk repairs, your city’s elected officials shape the policies that affect where and how you live. These decisions influence everything from housing availability and affordability to public transit, school funding, and even your property taxes and utility rates. In short, city leaders help decide what your community looks like—and how livable it is.

One of the most urgent issues facing cities today is housing affordability. Local leaders play a key role in determining how and where housing gets built. City councils decide what types of housing are allowed in your neighborhood, where developers can build, and how much red tape is involved in getting projects approved. They also determine whether to create incentives for affordable housing or to impose regulations that may restrict supply. Decisions around short-term rentals, zoning density, and infrastructure expansion all have a direct impact on how accessible housing is in your city.

If you're concerned about home prices, rising rents, or the availability of workforce housing, it's your local elections that have the greatest influence. These are the decision-makers who can make progress on—or stall—efforts to create more diverse and affordable housing options in your area.

Despite their enormous impact, municipal elections often suffer from low voter turnout. In many areas, fewer than one in four eligible voters participate in local elections. Yet these are the elections that can most directly improve—or disrupt—your quality of life.

To make your voice heard, it’s essential to be informed and engaged. Ballots for the municipal elections in Washington County will be mailed out beginning Tuesday, July 22nd, 2025 and it’s a good time to check your voter registration status to ensure everything is current. You can find official information on how to register, where to vote, and key deadlines by visiting https://vote.utah.gov/

In addition to checking your status, take time to learn about the candidates running for office and their positions on issues that matter to you—especially housing, growth, infrastructure, and public services. These local leaders will be the ones shaping the community your family lives, works, and grows in for years to come.

Your vote in a municipal election is one of the most powerful tools you have to influence your community’s future. If you care about the housing crisis, rising living costs, or whether your children will be able to afford to stay in Southern Utah, now is the time to act. Get involved, stay informed, and make your vote count. Because meaningful change doesn’t just happen in Washington, D.C.—it starts right here, at home.

If you're a homeowner in today’s market, you may have noticed your insurance premiums going up—sometimes significantly. Rising insurance costs are becoming a major factor in the overall expense of owning a home, especially as inflation, natural disasters, and limited competition drive prices higher.

Whether you’ve owned your home for years or are considering buying in Southern Utah, understanding why rates are climbing and how to manage them is key to protecting your investment.

What’s Driving the Increase?
Several national and regional trends are causing insurance companies to raise premiums:

Higher Building Costs
Inflation continues to affect nearly every industry—including construction. When materials, labor, and repair services cost more, it becomes more expensive for insurers to settle claims. That cost gets passed on to homeowners through higher premiums.

Extreme Weather and Disaster Risk
Severe weather events—like wildfires, hurricanes, and flooding—are becoming more common. Even if your area isn’t currently impacted, insurers factor national trends into rate calculations. In high-risk areas, premiums can be four times higher than average. While Southern Utah isn't at the highest risk, wildfire zones and water damage concerns still influence pricing.

Labor Shortages
A nationwide shortage of skilled labor has made home repairs slower and more expensive. The longer and costlier it is to complete claims, the more insurers need to charge to cover their risk.

Reduced Competition
Some insurance companies have pulled out of high-risk markets altogether. When there are fewer insurers in your area, you may have fewer options—and that limited competition often leads to higher prices.

What You Can Do to Save on Insurance
While you can’t control national trends, there are several ways to reduce your individual insurance costs:

Stay on Top of Maintenance
Regular upkeep can help you avoid filing claims in the first place. Fix small problems early—like leaky roofs or faulty wiring—to reduce the risk of major damage that insurers flag as costly.

Shop Around
Even in a tightening market, it’s worth comparing quotes from different providers. Review not only the price but also what’s covered, deductibles, and claim satisfaction ratings. If you’ve been claim-free, that’s a great bargaining chip for negotiating better terms.

Bundle Your Coverage
Many companies offer discounts if you bundle home, auto, or other types of insurance together under one provider.

Adjust Your Deductible
Raising your deductible (the amount you pay out of pocket before insurance kicks in) can lower your monthly premium. Just be sure you can comfortably cover that amount if you ever need to file a claim.

Make Safety Upgrades
Adding security features like smoke detectors, sprinkler systems, or smart home monitoring tools can reduce your risk—and potentially your premium. In fire-prone areas, fire-resistant landscaping or roofing may also lead to discounts.

Keep Your Credit Healthy
Many insurers factor in your credit score when setting rates. A strong score may help you qualify for better pricing, so keep up with payments and manage debt responsibly.

Own a Rental Property?
Here's What You Should Know If you own an investment property in Southern Utah, it’s essential to have the right coverage. A standard homeowners policy won’t protect you from tenant-related issues. You’ll need landlord insurance, which covers property damage, liability, and loss of rental income due to covered events.

It’s also wise to require your tenants to carry renters insurance. It protects their belongings and limits your liability if something goes wrong.

The Bottom Line
Home insurance is more expensive than it used to be—but that doesn’t mean you’re powerless. With regular maintenance, smart upgrades, and a proactive approach to reviewing your coverage, you can help keep your premiums manageable.

And when you’re ready to buy, sell, or invest in Southern Utah, make sure you work with a local Realtor® who understands the market—and how to protect your home in it.

Have questions? Connect with a trusted local Realtor® today!

For eight decades, the VA home loan program has helped open the door to homeownership for millions of Veterans. But despite its long-standing success, a surprising number of eligible service members are unaware of just how powerful this benefit can be—especially when it comes to skipping the down payment.

A Missed Opportunity for Too Many
A recent survey by Veterans United shows that only about 30% of Veterans know they could qualify to buy a home with no money down using a VA loan. That means the majority—7 out of 10—may not be aware of one of the biggest financial advantages available to them. With home prices rising, this knowledge gap could be keeping many from owning a home sooner than they thought possible.

What Sets VA Loans Apart?
VA loans aren’t just about skipping a down payment—they’re packed with other benefits designed specifically for Veterans and active-duty service members. Here’s what makes them stand out:

• No Down Payment: Qualified buyers often don’t need to save for a down payment at all, making homeownership more attainable.
• No Private Mortgage Insurance (PMI): VA loans waive PMI requirements, unlike most other low-down-payment loans. That can save you hundreds of dollars each month.
• Lower Closing Costs: The VA restricts what you can be charged in fees, helping you keep more money in your pocket at closing.
• Competitive Interest Rates: VA-backed loans tend to offer some of the lowest average interest rates on the market.

Why This Matters 
Buying a home is a major step—but for Veterans, it doesn’t have to be as financially challenging. The VA loan program was created to thank you for your service by making it easier to build stability, invest in a future, and provide for your family. And with no down payment needed, you may be closer to that goal than you realize.

Start with the Right Team
The best way to take full advantage of a VA loan is to work with professionals who understand the process. A VA-savvy lender and a local Realtor® can help you explore your options, determine eligibility, and walk you through every step toward owning a home.

If you’ve served, you’ve earned benefits that can make buying a home more affordable—and more possible—than ever. Don’t let misinformation or uncertainty hold you back. Reach out to a local real estate expert and trusted lender today to see how a VA loan can work for you.