Utah Real Estate
Market Pulse
Utah Real Estate 2011 Trends Jan - June
The home
market in Utah is experiencing an overall 9%
decline in the number of sales from last year.
Off-setting this declining figure is the fact
that last year’s government incentive of $8,000
drove an additional 1,220 home sales in Utah.
Prices also declined by 9% overall making homes even more affordable for new buyers.
Rising rental rates and cash purchases by
investors are expected to fuel additional
purchases this year. Currently, over one forth
of all home sales across the US are cash purchases.
Heavy investor purchases may be signaling an
up-swing in the home market. Below is a list of
positive and negative trends for the Utah home
market:
Positive Real Estate Trends
- Home buyers are getting more square feet -
145 more over 2005..
- Home buyers are getting more bedrooms – 4
for past 2 years.
- Home buyers are getting more bathrooms – 3
for 2010 highest ever!
- Home buyers are getting a median price of
$79.49 sf - $28.52 less 2007.
- Sellers are more willing to negotiate the
price of their home with Buyers.
- Currently the Utah real estate market favors
Buyers.
- Home
loan interest rates are at generational
lows.
- There is a significant amount of “pent-up”
demand on the real estate market from many
who have delayed their home purchases.
- People of wealth are now investing in real
estate with around 25% of residential real
estate purchases being made in cash across
the nation.
Negative Real Estate Trends
- Prices have decreased each year since 2008 – 4%
decline last year, 9% so far this year.
- Demand has fallen each year since 2006.
- Supply is currently at 11.55 months, up 2 months
from last year.
- It takes longer to sell a home – 19 days
more than in 2010.
- Home loan interest rates are starting to
increase and are expected to continue up.
- Foreclosures constitute 24% of the housing
market.
Below are two charts comparing Utah real estate
sales for the past 6 months.
All
Utah Residential Properties
Utah Condominium Properties
Source: Wasatch Front
Regional MLS and realestatehomesUtah.com.
_______________________________________
May, 2011
The Utah home market Utah home market continues to show improvement. Below are some recent home trends trends.
Home Purchase Trends
- Nationally, 28
percent of all 2010 home sales were cash
transactions. An all-cash purchase can bring the
home price down by 5 to 10 percent off the home
listing price. Sellers prefer cash because cash
sales close more quickly and are less likely to
fall victim to the buyer or mortgager changing
their mind. Source: National Association of
REALTORS
- Taylorsville,
Utah and Kearns, Utah had the highest homes
sales during the last quarter of 2010. “More
affordable home prices are the driving factor.”
Source: Deseret News
- The median
Utah home price was $185,250 in March, 2011.
Source: Salt Lake Board of REALTORS
- Salt Lake
County has a 9-month supply of home inventory
currently listed on the market. Source: Salt
Lake Board of REALTORS
- There are
19,162 homes for sale in Utah listed on the
market. 6,622 homes are listed for sale in the
Salt Lake County market, while 3,680 are listed
for sale in Utah County and 2,148 are listed for
sale in Davis County. Source: Wasatch Front
Regional Multiple Listing Service.
- James Wood of
the University of Utah predicts single-family
homes sales to rise by 12 percent during 2011.
Condo sales are expected to rise by 10%. Source:
Salt Lake Board of REALTORS
Home Buying Trends
- Young Home
Buyers have strong preference for urban homes
closer to the city. Demand for suburban homes
with 0.25 acre lots and fenced back yard are
falling.
- Younger home
buyers favor a media room over a living room.
Source: RISMedia
Utah Home Foreclosures
- Utah has the
fourth highest foreclosure rate in the nation,
but the number of foreclosures in Utah are going
down.
- Utah
Foreclosures have fallen by nearly 31% since the
all-time-high attained in April 2010. Source:
RealtyTrac
Utah Rankings for Best Places For Business and Careers
- Provo, Utah ranked # 2 by Forbes magazine for U.S. cities
with reasonable business costs, strong economic
outlook and solid quality of life. Ogden,
Utah ranked #
11.
- Salt Lake City ranked # 20 out of 200 U.S. cities for the Best
Places For Business and Careers.
- Salt Lake City ranked # 60 out of 200 U.S. cities in the cost
of doing business. Source: Forbes Magazine
______________________________________
December, 2010
The Utah home market experienced an overall 4% decline in property prices the
past year. However, some home markets in the Salt Lake
area posted an increase, including West Jordan up 6 percent, Draper up 7 percent, Murray up 7 percent, Sandy up 12 percent, and Salt Lake City up a whopping 18 percent.
Nearly all economists forecast an upward trend, but
at a modest incline. Below is a list of positive and
negative trends for the Utah home market:
Positive
Trends
- Home buyers are getting more square feet - 183
more over 2005.
- Home buyers are getting more bedrooms – 4 for
past 2 years.
- Home buyers are getting more bathrooms – 3 for
2010 highest ever!
- Home buyers are getting a median price of $86.54
sf - $21.47 less 2007.
- Home sellers are more willing to negotiate the price
of their home with Buyers.
- Currently the Utah real estate market favors
Buyers.
- Job outlook in Utah is higher for 2011 – 17,000
new jobs expected in 2011.
- Job outlook in the nation is higher for 2011 –
1.2 million new jobs in 2011.
- Economic outlook for Utah and the nation is
higher for 2011.
- Consumer spending is slowly rising.
- New residential construction in Utah is
forecasted to register its first gain this year
for the first time since 2005.
- Home loan interest rates are at generational
lows.
- There is a significant amount of “pent-up”
demand on the real estate market from many who
have delayed their home purchases.
- People of wealth are now investing in real
estate with around 25% of residential real
estate purchases being made in cash across the
nation.
Negative
Trends
- Prices have decreased each year since 2008 – 4% decline
last year.
- Demand has fallen each year since 2006.
- Supply is currently at 9.78 months.
- It takes a lot longer to sell a home – 62.5 days
more than in 2006.
- Utah Home Loan Interest Rates are starting to
increase and are expected to continue up.
Source: Wasatch Front
Regional MLS and realestatehomesUtah.com.
______________________________________
July, 2010
Utah single family home prices
are down 3% (an average of $7,493) compared with the same period during 2009. Home prices nationally increased by 3.5% in April and 2.9% in May as reported by CoreLogic in their July 13 report. This may signal a price increase soon for Utah as well. Lower home prices, low interest rates and the government tax incentives combined to sell an additional 1,133 homes than during the same period a year ago.
Some highlights of the first six months of 2010 are displayed below.
- Condo prices are up on average by $23,292.
- Average home cost per
square foot is $96.90.
- Total single family
homes sold is 10,930, up by 1,133.
- Total condos sold is
1,056, down by 441.
- Condos take an
average of 3 months to sell when priced with the market.
- Single family homes
take 73 days to sell.
Resource: WFRMLS and
realestatehomesUtah.com.
More details for
Utah
Real Estate sales for first half of
2010.
Links
to homes for sale by county: Salt Lake County, Utah County, Davis County, Summit County, Tooele County, Wasatch County,
and Weber County.
______________________________________
May 31, 2010
REALTOR
Magazine cites the following remodeling projects
for homes as the top ten for big impact at a low cost:
- Rollout organizing trays added to kitchen cabinets.
- Add or replace tile especially outdated kitchen backsplash tile and bath tile.
- Add a breakfast bar. Costs $600.
- Install granite tile instead of slab. Costs $300
- Bath upgrades – new medicine cabinet, light fixtures, faucet, vanity, re-grout the tile. $1,000 to $2,000.
- Basement waterproof painting project to floor and walls.
- Add a room by installing a wall. Costs $400.
- Recondition kitchen cabinets. Less than $1,000.
- Replace light fixtures in foyer, bathrooms and kitchens. Costs $450 to $700.
- Replace the garage door opener with remote touchpad entry system. Cost $425.
Resource: G.M. Filisko, Remodeling Magazine, Annual Cost vs. Value Report, January, 2010.
______________________________________
New Kitchen Trends for Utah Homes
April 10, 2010
What’s happening in Utah kitchens? A recent survey of home designers conducted by the National Kitchen & Bath Association (NKBA) found that some existing kitchen trends will continue and some new ones are developing. Utah can expect to share these design trends for 2010 and beyond. Outlined below are some of the key trends noted by the NKBA.
Combination Cook Tops and Wall Ovens are gaining in popularity. Induction cooking is also gaining in popularity. Gas ranges still command the highest demand over electric cooking surfaces when gas is an available utility.
Dishwashers Drawers are expected to continue their upward climb against the
traditional door that opens downward. The convenience of
the smaller drawer dishwashers and their greater energy
efficiency will see these units continue to climb in
demand for years to come.
More Utah Home Kitchen Trends
______________________________________
Top
Home
Features
Buyers
Want
February
27,
2010
A
recent
International
Builders'
Show
in
Las
Vegas
cited
the
top
five
home
features
that
buyers
want
are
centered
on
cost-effectiveness,
family
togetherness,
entertainment
and
flexible
spaces.
Avid
Ratings
conducts
an
annual
survey
of
home
buyer
preferences
to
identify
what
is
most
important
to
current
home
buyers.
Below
are
the
top
five:
1.
Large
kitchens
with
islands.
2.
Energy
efficient
appliances,
windows
and
super
insulation.
3.
Home
offices.
4.
Main-floor
master
suite.
5.
Outdoor
living
space.
Details
on
the top ten home features home buyers want!
______________________________________
Utah
Real
Estate
Market
Trends
for
2009
January
9,
2010
Utah
home
sales
in
2009
show
a
welcomed
increase
over
2008.
Single
family
sales
were
up
while
condo
sales
were
down.
This
annual
Utah
trend
report
examined
homes
sales
figures
for
the
state
with
particular
focus
on
the
seven
counties
around
Salt
Lake
-
Salt
Lake
County,
Utah
County,
Davis
County,
Summit
County,
Wasatch
County,
Tooele
County
and
Weber
County.
Details
on
the
2009
Utah
Real
Estate
Trends
______________________________________
Utah Ranks Number 2 for
Growth in the U.S.
December 23, 2009
Utah is the second
fastest growing state in the United States during
2009. Wyoming leads the country with a population
growth of 2.12% with Utah at a close second at 2.1%.
The strong economy attracts more immigrants than
most of the U.S. Utah also has the lowest death rate
and the highest birth rate in the nation.
The U.S. Census
Bureau estimates that Utah had 2.78 million people
living in the state at mid-2009. Utah is expected to
have a much more stable economy as the nation
recovers from the largest economic downturn in
decades. An expected additional seat in the U.S.
Congress is another benefit to Utah's significant
growth. With all the pluses of growth also come some
challenges. Utah's public schools, roads and housing
are likely to fall a bit behind as Utah continues to
grow. Utah housing developers and home builders
should find this news very welcoming, expecting
newly constructed home to be in high demand as the
nation's recovery builds steam. Utah's strong work
force will continue to attract corporate investment
and expansion into Utah.
Resource: Lee
Davidson, Deseret News, December 23, 2009
______________________________________
Is Now A Good Time To Sell A Home In Utah?
It Depends….
Utah’s current real estate market favors buyers. There
is a lot of inventory, interest rates are low and
Sellers are willing to negotiate. This combination
favors home buyers. Buyers waiting for better market
conditions will likely be disappointed in the months
ahead. Government actions to spur the economy will
eventually take effect and as market conditions improve,
home prices will increase.
More about Utah real estate trends....
______________________________________
Utah Real Estate Market Pulse
Salt Lake City consistently shows growth in home values and has a relatively short selling time. The median home price in Salt Lake City is $235,000 while condominiums have a median price of $169,200. Average market time is 43 days for single family homes and only 39 days for condos. Condominium sales represent 23% of total home sales in Salt Lake City.
Utah home prices are increasing in two other key cities--Heber City and Ogden--while falling in Bountiful, Park City, Provo
and Saint George. Condos in Park City are also decreasing in price while in Ogden prices for condominiums are increasing. These findings come from a study looking at
home and condo sales in eight key cities in Utah.
More about Utah Real Estate trends....
______________________________________
Utah Home Prices Increasing
Home prices in Utah are continuing to increase. The average home price for the past 12 months (June 2007 – May 2008) is $254,103. The average for the previous 12 months was $248,704. The average home sold price increased by $5,399 or 2.12%. Data for this study was collected from the Wasatch Front Multiple Listing Service for the two time periods.
The study found that the average listing price or “for sale price” increased by $9,683. Comparing the average sold price to the average listing price results in an average difference of $4,284.
The final sales price on a home tends to be less than
what the residential property owners list their homes
for. Not surprisingly, the average listing price increased by 3.7% compared with only 2.1% for sold properties,
meaning that sellers' expectations are increasing faster
than the actual price for a sold home. Home buyers can expect to pay around $4,000 less than the asking price for a home.
More about Utah home sales....
______________________________________
Utah Housing Market – First-Half of 2008
The national market downturn is affecting Utah. Home prices for the first half of the year are showing an average price decrease of over $7, 000 from last year’s average. Condo prices have
also slipped statewide. The average home price in Utah is down $4 per square foot.
Utah home buyers are getting more concessions from sellers. The current average sold price to listing price is ($6,801), which is ($2,014) more than the average for 2007. Home sellers are waiting an average of 20 days longer to sell their property so far this year. The average days on market until sold is currently 68 days.
Conclusion:
Current Utah market conditions favor buyers.
Buyers can expect property owners to be more
willing negotiate price and terms. The longer
selling time for home owners will make sellers
more anxious to meet buyer expectations.
More of this housing market study, including
chart....
______________________________________
The New Real Estate Market Incentives
On July 30, 2008, President Bush signed into law a bipartisan housing stimulus
package. With passage of this new bill, first-time home buyers, including those who have not owned a home in the last three years will be eligible for a significant tax credit. The credit is up to 10 percent of the home’s purchase price. The maximum allowance is capped at $7,500 for a married or unmarried couple who jointly purchase the home or $3,750 for those who file separately.
The tax credit applies to homes purchased on or after April 9, 2008 and before July 1, 2009.
More of this
federal housing incentive....
______________________________________
The Top Real Estate Market in the U.S.
A fairly strong argument can be made that Utah's
real estate market currently leads the country.
Salt Lake City has been ranked by Forbes as the
#1 city in the U.S. for home bargains and #3 for
home sellers. CNBC ranked Utah #3 for business
while the ALEC ranked Utah at #1 for economic
outlook. Lastly, the Beacon Hill Institute
ranked Utah as the most economically competitive
state in the nation.
Utah appears to be in a pretty good position to
weather the current national economic and
housing storms.
More of this
Utah housing market trend....
______________________________________
Top Real Estate Markets in the U.S. - Number of Days on Market
How does Utah stack-up with the the top real
estate markets in the country for homes spending
the fewest days on the market? In a research
study released by Altos Research, the top ten
fastest selling markets in the U.S. had homes
listed on the market for an average of 81.1 days.
The top ten markets with the least average
number of days on market in June, 2008 as
reported by Altos Research are displayed below:
Rank |
Market |
Days On
Market |
1 |
Austin, TX |
72 |
2 |
San
Francisco, CA |
76 |
3 |
Portland,
OR |
79 |
4 |
Salt Lake City, UT |
79 |
5 |
San Jose,
CA |
82 |
6 |
Boston, MA |
83 |
7 |
Atlanta,
GA |
84 |
8 |
Denver, CO |
85 |
9 |
Seattle,
WA |
85 |
10 |
Dallas, TX |
86 |
Source: U.S. News and World Report, July 10,
2008.
The chart below displays some key zip codes in
Utah and the average days on market for the
period April through June. As you can see, Salt
Lake City, Bountiful, Holladay, Saratoga
Springs, West Valley and Centerville are all
better than 66 average days on market. Utah's
real estate market is doing rather well in the
current "buyer's market". Home sellers in Utah
should celebrate.
Rank |
Location |
Zip
Code |
Days On
Market |
1 |
Holladay |
84117 |
50 |
2 |
Salt Lake
City |
84108 |
55 |
3 |
Salt Lake
City |
84101 |
56 |
4 |
Saratoga
Springs |
84045 |
58 |
5 |
Bountiful |
84065 |
58 |
6 |
West
Valley |
84120 |
60 |
7 |
Centerville |
84014 |
65 |
8 |
Ogden |
84401 |
66 |
9 |
Sandy |
84093 |
71 |
10 |
Spanish
Fork |
84660 |
74 |
11 |
South
Jordan |
84095 |
74 |
12 |
Provo |
84606 |
80 |
13 |
American
Fork |
84003 |
85 |
14 |
Draper |
84020 |
94 |
15 |
Park City |
84060 |
141 |
Sources: WFRMLS and
realestatehomesUtah.com.
(Information deemed reliable but not guaranteed.)
More of this Utah top real estate markets report....
______________________________________
Top Retirement Cities in the U.S.
- Salt Lake City Ranked #5
Salt Lake City is ranked number five in the
country for retirement in a metro area. In a
study by Forbes magazine, Salt Lake City ranked
behind Columbus, OH; Dallas; Minneapolis and
Houston. The criteria used for selecting the best retirement cities included affordable housing, low cost of living, medical accessibility and economic growth.
Source: Maurna Desmond (10/20/08)
More of this
ranking report....
______________________________________
Utah Real Estate Market Trend Report
November 10, 2008
Dick Gaylord, president of
the National Association of REALTORS®,
recently stopped by to visit Governor Jon Huntsman.
During
the visit, Gaylord praised Utah’s job market citing
that the state created 3,000 new jobs in the past 12
months and 100,000 in the past three years. This
occurred while many states are losing jobs. Gaylord
states that there is “pent-up demand” that continues
to mount up for local housing. “It’s only a matter
of time before we see rises in home sales and also
in activity in the market. So I think we’re going to
see a change in 2009.” (Dick Gaylord, remarks to
Utah Association of REALTORS®,
10-22-2008)
Smart Money Magazine states that
Salt Lake City is in a good position to rebound in the real
estate market. Salt Lake was one of the top 25 cities in the
country expected to help mend the ailing home market because
of Utah’s strong job growth. The magazine cites that “Salt
Lake City has a less than 1 percent chance of home prices
being lower two years from now than they are today.” (Wall
Street Journal, Smart Money Magazine, Brad Reagan and
Elizabeth O’Brien, 10-17-2008)
Forbes ranked Midvale, Utah #6 in
the country as one of the top suburbs in which to sell a
home. The November 6 article cited a study by Altos Research
that examined the best markets in the U.S. for selling a
home. The criteria for selection included the number of days
to sell a home, stability of home prices and inventories.
(Forbes, Ten Best Suburbs To Sell A Home, Matt Woolsey,
11-6-2008)
Some current real estate
market data (sold data includes the past 12-months)
|
Salt Lake
County |
Utah County |
Davis County |
Current Listings |
8,325 |
4,620 |
2,308 |
Median Price |
$282,950 |
$265,000 |
$264,900 |
Average Price |
$385,596 |
$354,118 |
$668,356 |
Average Market
Time |
93 days |
111 days |
97 days |
|
|
|
|
Sold Residential
Properties |
11,124 |
4,457 |
3,451 |
Median Price
|
$227,500 |
$217,000 |
$215,575 |
Average Price |
$269,093 |
$250,551 |
$244,016 |
Average Market
Time |
61 days |
79 days |
69 days |
______________________________________
Utah
Real Estate Market Trend Report
December 22, 2008
Mortgage Rates
The Federal Reserve Board lowered interest rates last week
for home buyers. This should significantly improve home
sales, home valuation and the nation’s overall economy.
Mortgage rates, averaging 6.3 percent in the third quarter
2008 have now fallen into the 4 percent range in some parts
of the country. The average 30 year mortgage rate posted by
Freddie Mac is currently 5.19%.
Federal Tax Credit
The National Association of REALTORs is asking the government to expand the $7,500 tax credit for first-time home buyers (defined as anyone who has not purchased a home in the past three years) to included all home buyers and to eliminate the credit repayment requirement.
Pending Home Sales
Lawrence Yun, the National Association of REALTORs chief economist, stated that the past year data for homes sales is stabilizing. “Despite the turmoil in the economy, the overall level of pending home sales has been remarkably stable over the past year, holding in a generally narrow range,” he said. “We did see a spike in August when mortgage conditions temporarily improved, which underscores two things – there is a pent-up demand, and access to safe, affordable mortgages will bring more buyers into the market.”
______________________________________
Utah
Real Estate 2008 Market Trends
January 5, 2009
The figures are in for 2008 home and condo sales
in Utah. The latest real estate market study conducted by
realestatehomesUtah.com, using WFRMLS data found that the
average Utah home price is down
slightly in 2008 compared
with 2007 by an average of 3.5 percent. Single family homes
are selling for $10,069 less in
2008 while condos are down
an average of $6,583. However, some counties are still
showing price increases such as Weber with an average price
increase of $5,598 for single family homes and $6,398 for
condos.
Another trend showing a market slow-down is the number of days
it takes to sell a home on the market. In 2007, the average
number of days a home remained on market until sold was 48.
Now it takes an average of 25 days longer to sell for a
total of 73 days.
Conclusions:
Utah home prices are feeling the effects of a national
economic downturn, offering current home buyers many
bargains on the market. The inventory of homes currently
listed on the market will take approximately 11 months to
sell. Utah home owners that price their homes competitively
with the market should expect two to three months to find a
buyer for their home.
Full
trend report....
______________________________________
Salt Lake City, Utah
- The Most Fit City
January 14, 2009
Salt Lake
City has been crowned as the most fit city in the U.S. by
Men's Fitness Magazine in its annual report of fit cities.
The report cited Salt Lake City as having lower obesity and
athletic residents who make use of the numerous nearby parks
and fitness centers. Salt Lake City's top ranking was
followed by Colorado Springs, Minneapolis, Denver and
Albuquerque.
______________________________________
Current Home Buying Stimulus Packages Totaling $14,000
June 13, 2009
The Federal Program - $8,000 Tax Credit & Down Payment
The $8,000 first-time Federal home buyer tax credit keeps getting better. On May 11, the secretary of the U.S. Department of Housing and Urban Development, Shaun Donovan, announced that HUD will provide short-term bridge loans that will allow first-time home buyers to use the federal government's $8,000 tax credit as part of their down payment and closing costs.
The step essentially allows purchasers to get their $8,000 home-buying tax credit at closing rather than waiting until after filing their 2009 taxes. For many potential buyers, the fact that the tax credit couldn't be received until 2010 made it difficult to make a purchase before the Nov. 30 deadline - especially if they planned on using the tax credit as part of their down payment. Under this new program, the $8,000 can be used right at closing.
Details on the Federal Home Buying Stimulus Package….
Utah’s Home Run Grant Program for $6,000
The Utah Home Run Grant Program provides $6,000 to home buyers, purchasing a newly-constructed, never-occupied, primary, single-family residence anywhere in Utah.
Details
on Utah's Home Run Grant….
______________________________________
Ogden, Utah Ranks as the
Cheapest Place to Live
July 25, 2009
In a study
released by Forbes magazine,
Ogden-Clearfield, Utah was rated #1 in the Mountain
states for the cheapest metro area to live. The study
examined three separate sources to determine rankings. Moody's Economy.com was used for cost-of-living figures.
The National Association of
Home Builders and Wells Fargo provided home
affordability figures. Fort Collins-Loveland, Colorado
ranked second.
Four
quality-of-life factors were also included in the study.
These factors were the violent crime rate, unemployment
rate, cultural opportunities, and the average salary for
college graduates.
Click here for more Utah Rankings....
______________________________________
______________________________________
More Utah Real Estate Market Trend Reports
South Jordan Real Estate Trends - February, 2007
Property That Sells In Salt Lake County - March, 2007
National & Utah Real Estate Trends - April, 2007
Salt Lake and Utah County Housing Market - May, 2007
Utah Real Estate Trends for 2007 - June, 2007
Top Utah Home Builders - June, 2007
Utah Real Estate Market Sales - July, 2007
South Jordan Utah Home Market Trends - August, 2007
Ten Year Real Estate Trends for Salt Lake County - September, 2007
Salt Lake County Real Estate Trends - October, 2007
Home Sales Trends in Utah - November, 2007
Utah Home Market Trends Favor Buyers - December, 2007
Utah Home Market Statistics for 2007 - January, 2008
Home Buying Advantage - Winter or Summer? - February, 2008
Salt Lake City Ranked #1 for Home Buying Bargains - March, 2008
Is Now A Good Time to Sell A Home? - April, 2008
Utah High Schools In the Top 5% of the Nation - May, 2008
Salt Lake City, Utah Ranked #3 For Home Sellers - May, 2008
Utah Real Estate Market Pulse - June, 2008
Utah Home Prices Increasing - June, 2008
Utah Housing Market - July, 2008
Federal Home Purchase Incentives - August, 2008
Utah's Strong Economy and the Housing Market
- September, 2008
Utah
Ranked #1
- October, 2008
Barry J. Preusz
REALTOR® | Residential Specialist
1218 East 7800 South
Salt Lake City, Utah 84094
Office: 801-993-0083
Click Here to Contact Us