Scott & Valorie Walters Family Blog

Stationery card

2011-12-07T11:14:00.001-07:00

Celebrate The Season Christmas Card

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Mom breaking the baby news to the kids.

2011-03-09T20:02:00.002-07:00

Valorie broke the news to the older kids about the gender of the new baby. As you will see, two of them were excited and one of them not.

Gospel Doctrine New Testament Lesson 3

2011-01-05T18:27:00.001-07:00

Gospel Doctrine New Testament Lesson 2

2011-01-05T18:25:00.002-07:00

695 S Mohawk Ave, Pleasant Grove, UT

2010-08-24T19:05:00.001-06:00

Click here to view the Virtual Tour

This beautiful 2672 square foot home has 4 bedrooms and 3.00 full bathrooms. It is located at 695 S Mohawk Ave in Pleasant Grove, UT.

Gospel Doctrine Old Testament Lesson 32

2010-08-10T16:21:00.001-06:00

Gospel Doctrine Old Testament Lesson31

2010-08-09T12:55:00.002-06:00

29900 N 11500 E, Mount Pleasant, UT

2010-08-07T17:50:00.001-06:00

Click here to view the Virtual Tour

This beautiful 4500 square foot home has 4 bedrooms and 3.00 full bathrooms. It is located at 29900 N 11500 E in Mount Pleasant, UT.

Loafer Canyon Road, Elk Ridge, UT

2010-08-04T16:50:00.001-06:00

Click here to view the Virtual Tour

This beautiful 3 square foot home has 0 bedrooms and 0.00 full bathrooms. It is located at Loafer Canyon Road in Elk Ridge, UT.

677 N 650 E, Springville, UT

2010-08-04T15:50:00.001-06:00

Click here to view the Virtual Tour

This beautiful 2820 square foot home has 4 bedrooms and 1.50 full bathrooms. It is located at 677 N 650 E in Springville, UT.

1417 S 1100 E, Spanish Fork, UT

2010-08-04T15:20:00.001-06:00

Click here to view the Virtual Tour

This beautiful 2656 square foot home has 5 bedrooms and 3.00 full bathrooms. It is located at 1417 S 1100 E in Spanish Fork, UT.

2242 S 340 W, Perry, UT

2010-08-03T18:50:00.001-06:00

Click here to view the Virtual Tour

This beautiful 2890 square foot home has 3 bedrooms and 2.00 full bathrooms. It is located at 2242 S 340 W in Perry, UT.

862 N 1000 W, Provo, UT

2010-07-27T16:50:00.001-06:00

Click here to view the Virtual Tour

This beautiful 2992 square foot home has 5 bedrooms and 3.00 full bathrooms. It is located at 862 N 1000 W in Provo, UT.

607 S 420 E, Salem, UT

2010-06-16T14:35:00.001-06:00

Click here to view the Virtual Tour

This beautiful 2608 square foot home has 5 bedrooms and 3.00 full bathrooms. It is located at 607 S 420 E in Salem, UT.

Gospel Doctrine Old Testament Lesson 20

2010-05-24T15:13:00.001-06:00

Gospel Doctrine Old Testament Lesson19

2010-05-24T12:06:00.001-06:00

Gospel Doctrine Old Testament Lesson 18

2010-05-24T12:03:00.003-06:00

477 S Main, Mapleton, UT

2010-04-27T16:50:00.001-06:00

Click here to view the Virtual Tour

This beautiful 5170 square foot home has 7 bedrooms and 3.50 full bathrooms. It is located at 477 S Main in Mapleton, UT.

Adam dancing on the Piano

2010-04-22T00:22:00.002-06:00

Garden planting April 17, 2010

2010-04-19T16:24:00.009-06:00

This spring weather has been great. So great in fact that we worked on planting the garden on Saturday. Can't wait for all those fresh vegetables.

Gospel Doctrine Old Testament Lesson 17

2010-04-19T16:22:00.002-06:00

Gospel Doctrine Old Testament Lesson 16

2010-04-19T16:21:00.002-06:00

Gospel Doctrine Old Testament Lesson 15

2010-04-19T16:16:00.002-06:00

345 E 620 S, Salem, UT

2010-04-14T19:50:00.001-06:00

Click here to view the Virtual Tour

This beautiful 3180 square foot home has 6 bedrooms and 3.00 full bathrooms. It is located at 345 E 620 S in Salem, UT.

Easter 2010

2010-04-11T19:21:00.011-06:00

After the family Easter Egg hunt, my brothers and nephew (Kerry, Brent & Brayden) went to the Priesthood session of conference. Amazingly we ran into my brother-in-law and nephew(Dan and Nick) from California.

After the Easter Egg hunt I went to the Priesthood session of conference with my brothers and newphew.

Walters Family Easter Egg Hunt 2010. All my Brothers and sisters and their families came over for an easter egg hunt and bar-b-que. Even my brother Kerry from Las Vegas came up with his kids. Then I went to the Priesthood session of conference with my brothers and nephew later that afternoon. It was a great day.

Gospel Doctrine Old Testament Lesson 14

2010-04-11T17:44:00.001-06:00

Ryan's 6th Birthday

2010-04-11T16:34:00.013-06:00

The day after Ryan's birthday we went to Jumpin Jack's to celebrate with all his local cousins plus his cousins from California and Nevada were there as well.

Ryan's amazing and independent spirit has been with us for 6 years now. We love you son and Happy Birthday. He had a great day, especially since his cousins were here from California and Elk Ridge along with his grandparents.

Goblin Valley

2010-04-11T16:08:00.020-06:00

We always have fun at Goblin Valley. April is a great time of year to go.

Gospel Doctrine Old Testament Lesson 13

2010-04-01T14:08:00.005-06:00

Gospel Doctrine Old Testament Lesson 12

2010-03-21T14:37:00.004-06:00

Old Testament Lesson 11

2010-03-17T22:12:00.002-06:00

4 of my Webelos recieving their Arrow of Light Awards

2010-03-15T11:39:00.002-06:00

6871 W 10205 N, Highland, UT

2010-03-15T10:35:00.001-06:00

Click here to view the Virtual Tour

This beautiful 5681 square foot home has 8 bedrooms and 4.50 full bathrooms. It is located at 6871 W 10205 N in Highland, UT.

2010-02-19T10:47:00.002-07:00

I'm sitting in a class on social media watching the snow fly out the window. Suddenly all I could think about was warmer times like being on the beach in San Diego. Too bad it won't be until August before we go there again. Below is a pictue Valorie took of Maddie a few years ago at the beach.

Gospel Doctrine Old Testament Lesson 10

2010-02-15T19:27:00.002-07:00

Gospel Doctrine Old Testament Lesson 9

2010-02-15T18:02:00.002-07:00

Gospel Doctrine Old Testament Lesson 8

2010-02-14T21:31:00.005-07:00

Old Testament Lesson 7

2010-02-08T09:30:00.002-07:00

Webelos February-May Calendars

2010-02-03T07:12:00.006-07:00

Parents: Click on the calendar you wish to print. Then change your printer settings to landscape. This will allow you to print out the entire calendar.

Gospel Doctrine Flyers

2010-01-26T20:11:00.006-07:00

I recently had the "opportunity" to substitute teach the Gospel Doctrine class in my ward. I had a desire to create a hand out that summarized the lesson material. I decided on a flyer format. I was amazed at how preparing for the lesson in this manner really brought the lesson into focus for me. I decided since then to continue to create Gospel Doctrine flyers as a part of my personal study and preparation for each weeks lesson. I thought it might be fun to make them available to family and friends to use them for their own personal study of the gospel. All of the questions and quotes come from the Gospel Doctrine teachers manual. I hope you enjoy them.

"Y" Mountain

2010-01-12T23:45:00.004-07:00

Late November Hike to "Y" Mountain.

My pride and Joy.

2009-10-27T16:17:00.014-06:00

Snug as a bug in a rug, or my bed, after bath time.

Sleeping with Dad.

The toy phone is never satisfactory. Adam has to use the real phone.

Adam's personality captured in a photo. Of course the nap he just woke up from helped!

Hi, Hi, Hi. Those were Adam's exact words, over and over.

Daddy's little man!

Mitchell's Cub Scout Raingutter regata

2009-10-27T16:01:00.007-06:00

Mitchell's friend Morgan won the raingutter regata. They raced three times. Mitch won the first race, they tied on the second race and Morgan won the final race to win the overall regata. The boys had lots of fun and did a great job.

Mitchell won every race but one, the final race. He did a great job and took second place.

1485 S. 50 W., Payson, UT

2009-10-26T12:50:00.001-06:00

Click here to view the Virtual Tour

This beautiful 2424 square foot home has 6 bedrooms and 2.00 full bathrooms. It is located at 1485 S. 50 W. in Payson, UT.

Fall Sports

2009-10-13T15:31:00.007-06:00

Hard to believe but this is the last week of Fall sports for the kids. For a month and a half life was really crazy trying to get three kids to soccer and football games.

Adam's first birthday.

2009-10-12T17:43:00.011-06:00

We had the family Birthday party up the canyon at our Elk Camp. For now Adam is a really good hunter of frosting.

2317 Wellington St., Salt Lake City, UT

2009-10-12T15:20:00.001-06:00

Click here to view the Virtual Tour

This beautiful 2283 square foot home has 5 bedrooms and 2.50 full bathrooms. It is located at 2317 Wellington St. in Salt Lake City, UT.

1849 w 470 s , Provo, UT

2009-07-23T13:35:00.001-06:00

Click here to view the Virtual Tour

This beautiful 2567 square foot home has 4 bedrooms and 2.50 full bathrooms. It is located at 1849 w 470 s in Provo, UT.

1052 W 250 S, Lehi, UT

2009-07-10T14:05:00.001-06:00

Click here to view the Virtual Tour

This beautiful 2575 square foot home has 4 bedrooms and 2.50 full bathrooms. It is located at 1052 W 250 S in Lehi, UT.

1022 S Vista RDG, Santaquin, UT

2009-07-08T17:35:00.001-06:00

Click here to view the Virtual Tour

This beautiful 508 square foot home has 0 bedrooms and 0.00 full bathrooms. It is located at 1022 S Vista RDG in Santaquin, UT.

274 S. 400 W., Orem, UT

2009-07-07T15:35:00.001-06:00

Click here to view the Virtual Tour

This beautiful 2592 square foot home has 3 bedrooms and 2.00 full bathrooms. It is located at 274 S. 400 W. in Orem, UT.

1102 S. Slate Canyon Dr., Provo, UT

2009-07-06T10:35:00.001-06:00

Click here to view the Virtual Tour

This beautiful 2960 square foot home has 5 bedrooms and 3.00 full bathrooms. It is located at 1102 S. Slate Canyon Dr. in Provo, UT.

530 N. 80 W. Lindon Utah

2009-06-17T02:10:00.005-06:00

Twin Home in Lindon. Is completely Wheel chair accessible. Second Kitchen with separate entrance, Electric chair lift, Central vac, Tinted windows, Humidifier, 2 gas fireplaces, 2 washers, dryers and refrigerators included.

http://tour.circlepix.com/tour.htm?id=732928&refurl=circlepix.com

377 South 950 West, Spanish Fork, UT

2009-06-15T16:51:00.001-06:00

Click here to view the Virtual Tour

This beautiful 2361 square foot home has 3 bedrooms and 2.50 full bathrooms. It is located at 377 South 950 West in Spanish Fork, UT.

Burping is funny!

2009-04-21T23:13:00.004-06:00

Our 5 year old discovered that burping makes our 6 month old laugh uncontrollably. I think this is the only time Valorie has ever found burping hilarious.

Easter Weekend in St. George

2009-04-21T22:24:00.015-06:00

We spent a fantastic weekend in St. George on Easter weekend with Valorie's side of the family. We got to stay in her parent's friend's condo. Of course it rained every day but Sunday, however, everyone still had a good time. Valorie and I would like to thank her parents for allowing us to stay in the condo. We'd also like to thank Valorie's sisters in-laws, the Shoemakers, for the wonderful easter dinner on sunday at their beautiful home in Hurricane

5 Month Old Adam standing and screaming

2009-03-24T18:44:00.003-06:00

Adam likes to scream at his brother Mitchell. It's a happy scream that he only does for him. He really likes to stand up and has been doing so since he was 2 or 3 months old. Scott says he's going to grow up to be a tough BYU linebacker. We'll see.

Great Spring Weekend

2009-03-22T22:48:00.003-06:00

It was an amazing spring weekend. On Saturday we had an impromtu backyard bar-b-que. My mom made beef and turkey burger mixed with purple onions and A-1 sauce. They were incredible. We topped the great weekend off by wishing my sister in law, Cindy Johnson a happy 40th birthday with a get together at Valorie's parents home.

http://www.youtube.com/watch?v=vZWrlwn1R8w

http://www.youtube.com/watch?v=YpHceRZMl4A

South Valley View Ward Conference Temple Trip

2009-03-21T14:20:00.003-06:00

It was an amazing spring morning in Utah. Our ward attended the Provo temple as part of our ward conference weekend. One goal our temple committee made was to try and do the equivalent of our wards population in temple work this year. Our goal is to do ancestors of our current ward members. On this temple trip, we were able to take our own names for every person for our ward that attended the temple. In fact, we had more names than people to perform the temple work. Guess we will just have to plan another trip soon. I shot a quick video of our gathering at Bishop Flemings office for prayer and handing out temple cards, just prior to leaving for the temple. I also did a short video of the gorgeous Provo temple and the temple grounds on this fantastic spring morning.

http://www.youtube.com/watch?v=QdzgOLgoATI

http://www.youtube.com/watch?v=cp6AaX4_LqE

Salem Utah South Valley View Ward Party

2009-03-20T20:41:00.006-06:00

March 20th, 2009.

For all the non party goers of the South Valley View ward, I thought I'd post some videos of the Country dance protion of the Chili Cookoff and dance. Those who were there seemed to have a good time. Thanks to all those who participated. To those of you who sat around and talked, thanks for nothing. :)

http://www.youtube.com/watch?v=5MFxl5lv2AU

http://www.youtube.com/watch?v=Y-n_-gyii9w

Adam Michael turns 5 months and Dad turns 37

2009-03-12T22:40:00.006-06:00

Thought I'd post some pictures from my Birthday on March 8th. Valorie took some nice pictures of the kids, especially the baby who turned 5 months. The little dude is rolling over already. Last post I talked about Ryan having his tonsils out. In a twist of irony, now I have to get my tonsils taken out. March 26th is the fateful day. Everybody has been really good about telling me how awful it is and how much it is going to hurt. Thanks everyone! Oh, by the way, I made my own birthday cake, and it was delicious!!!

Daddy Chronicles

2009-02-04T16:46:00.006-07:00

I decided I needed to post a little daddy and son story. I left early in the morning to take care of some business and came back home around the time Ryan needed to go to preschool. My wife asked me to take him, which I was excited about because I am rarely around to take him to school. The preschool is across the street from us, so it is not a long walk. We arrived at the sidewalk going to the basement entrance along the side of the home, when Ryan informed me that I was not allowed to go down the steps with him. I asked him why to which he replied "because I'm embarrassed." "You're embarrassed to have me take you to preschool?" "Yes! I like mommy to take me to preschool." "Well, I'm at least going to walk you to the top of the steps and watch you go in to school to make sure you make it." I let go of his hand and said I love you. Have a good day at school. To which to said: Absolutely nothing, until he got to the bottom of the steps, turned around, looked at me and said: "Get out of here. Go to work or something." I always thought that your kids weren't embarrassed of you until they became teenagers. Today I learned otherwise.

Ha, Ha. I'm getting revenge on him tomorrow. He is getting his tonsils out and I haven't even told him yet. No wait, maybe that is a punishment to me. After the surgery, he's going to be a beast!!!

Must see 60 minutes video on "Where's the bottom?"

2008-12-20T11:52:00.006-07:00

A video from my real estate blog that I thougth everybody should see.

by Scott Walters
Saturday, December 20, 2008

Must Watch 60 Minutes Story, “Where's The Bottom?”
by Scott WaltersPlease take the time to watch this 60 minutes video about the next wave a foreclosures, that will further cause home prices to drop.

http://www.cbsnews.com/video/watch/?id=4668112n

Modify your mortgage loan. Save Thousands!

2008-12-20T11:49:00.003-07:00

Scott Walters Utah Real Estate Blog
by Scott Walters
Saturday, December 20, 2008
Can You Modify your loan terms? Save thousands!
by Scott WaltersAdapted from my real estate coaches blog.
by Tim Harris on

Are you having trouble with your mortgage? Chances are…you or someone you know is having problems or soon will be having problems paying their mortgage.

There have been various sources report very sobering statistics about the residential real estate markets.

According to the NAR there will be a little over 5 million home sales in 2008 (The NAR is predicting roughly the same number in 2009). Of those sales, some are expecting that roughly 50% will be ‘distressed sales’. In other words, foreclosures and shortsales. This is a staggering number when you consider the massive hardship this is creating for homeowners across the US. Not to mention the global recession that started with the US housing crash.

The good news for homeowners is that there are many options that may allow them to stay in their homes.

Mortgage Loan Modifications are becoming the the way out of “Foreclosure Hell” for millions of homeowners. Something that many homeowners don’t realize is that their current mortgage loan may be in viloation of the law. When starting a mortgage loan mod start with looking into the existing mortgage loan…is the mortgage on the property is a lawful one. Meaning that there are no Truth in Lending Act or RESPA violations and there wasn’t fraud involved on behalf of the lender or broker that originated your loan.

Step 1: Have an experienced mortgage law attorney examine your loan documents for these potential violations.

Step 2: The homeowner needs a complete written life of loan history to see all the illegal charges and fees included in their mortgage balance. Also, the homeowner should make sure that any inflated appraisal and/or loss of property value is calculated into the workout. We will be featuring an interview with an attorney who specializes in performing ‘Forensic Loan Audits’ sometime soon…check back.

It appears that the Fed will be ‘encouraging’ more lenders to adapt to the new FDIC standards for loans mods. The early attempts at loan mods had mixed results. Now that lenders are adopting the FDIC standards expect to see even more governmental support for Loan Mods.

From Wall Street Journal…

Add Fannie and Freddie to the list of financial institutions offering troubled mortgage holders a possible way out. The WSJ is reporting that Fannie Mae, Freddie Mac, and U.S. government officials are expected to announce plans today to speed up the modification of hundreds of thousands of loans held by the housing finance giants. (See Fannie, Freddie Work on Mass Loan Modification.)

The effort will target certain loans that are past due and will aim to bring the ratio of household debt to income for these borrowers down to 38%, Damian Paletta reports. It could apply to a broad range of borrowers. U.S.government officials plan to encourage big banks that hold loans in their portfolios to take similar steps.

Some banks already have. The Journal also reported today that Citigroup has unveiled a mortgage modification program aimed at those who are in danger of defaulting on their home loans — but haven’t yet. CitiMortgage is also halting foreclosures for about 16,000 borrowers who are behind on their loan payments but are working with the company on a loan modification.

55% Of California Home Sales are foreclosures!
SO, over 50% of all home sales in Southern California were Foreclosures.
Here is the article from the OC Register…..
Foreclosed homes made up 55% of resale transactions in Southern California – 44% in Orange County and nearly seven out of every 10 sales in the Inland Empire – driving down prices to levels not seen since the spring of 2003, market-tracker MDA DataQuick reported today.
Last month’s price was roughly a buy-three-get-two-free sale for Southern California homes: The median price of a Southern California was $285,000, down 44% — or almost half off — from the value for similar homes at the market peak 18 months ago. That is, a single median-priced home cost $505,000 in June 2007. Last month, you could buy two median priced homes for $570,000, or just $65,000 more.
“Bargains and bargain hunters have kept this market alive,” the DataQuick press release quoted company President John Walsh as saying.
November sales outpaced last year for a fifth straight month, up nearly 27% regionwide. That’s a decent showing considering that there were fewer business days last month than in a typical November. The average number of transactions per day, for example, was just 1% lower than the daily average in October, which had the highest number of sales for any month this year so far.
The median price for areas with the highest sale numbers was under $260,000, with about half of those sales using government-insured FHA financing, DataQuick reported. November sales tended to drop in coastal zones, where the median price was over $500,000 and financing was harder to find.

50% Of Boom Appreciation Gone Home Values Crash
More breaking news for all of you in California…..specifically Orange County.
“The OC”, as its know internationally was the epicenter for the sub-prime meltdown. Several of the nations largest Sub-Prime lenders were based…in The OC. It seems that the housing prices are losing virtually all of their bubble induced appreciation. In other words, homes are tracking to be worth what they would of sold for in 2000-2001. For the millions of homeowners caught in the downward depreciation death spiral this continued ‘correction’ is bad news indeed.
DataQuick’s median selling price for an Orange County home was $400,000, the lowest since since May 2003. Note:
Bottom of last cycle was $184,000 in January and March of 1996.
Peak of this next cycle was $645,000 in June ‘07. That was a 251% or $461,000 gain.
Reversal to November is a drop of $245,000 — or 38% — below the peak.
That means 53% of the 1996-2007 profit has evaporated.

Ryan and Mitchell

2008-12-10T21:46:00.007-07:00

Ryan and Mitchell wanted some photos of themselves on the blog.

Merry Christmas to all

2008-12-08T19:44:00.003-07:00

We would like to wish all our friends and family a Merry Christmas. Also, today Adam is 2 months old. We love him so much.

+ One More

2008-11-26T20:52:00.003-07:00

I feel excited about my new baby brother;he was so tiny when I first saw him.He didn't feel very heavy for a 9lb 6ozs baby.My grandpa thinks Adam is a mix of me and Ryan.Sure I wish for a girl now that I have three brothers;but I'm thankful for Adam. He's cute enough to keep and not trade.Sometimes when he was fussier you would think he was asleep you would lay him down he would cry like crazy he would almost turn purple is what my mom would say but me I think he looked dark red.I just learned how to give him a bath today on 11/26/08.I remember when I first changed his dipper oh that brings wonderful memories.
thanks for reading,
Madeleine
Walters

My Real Estate Blog

2008-11-25T20:35:00.005-07:00

Check out Scott's Real Estate Blog for timely information on the real estate market.
http://www.scottgwalters.com/blog.asp
Right now, the market doesn't always look so good! In fact, it looks about as good as this hippo's butt.

More recent photos, Halloween etc.

2008-11-24T19:26:00.009-07:00

Just having fun looking at some of the recent photos taken of family and friends.

Adam Michael Walters

2008-11-24T17:55:00.013-07:00

Adam Michael Walters. Adam Joined us on October 8, 2008 around 8:40pm. He weighed 9 pounds 6 ounces and was 21 inches in length. Rather chunky, like me his proud papa. Valorie did great. She delivered after almost 4 hours of labor. Adam is a little spoiled as he seems to need to be held all the time, but we are happy to have new baby around the house.

Good looking parents

2008-11-24T17:33:00.006-07:00

Yesterday, Mitchell asked me on our way out to church "Dad, do you know why am I so cute?" I said "I don't know." To which he replied, "it is because I have good looking parents!"
I'm glad somebody thinks we are good looking. Wish I could remember all the cute things kids say. Oh, I do wish I could forget the time He told me he still loved me even though my tummy is kind of fat.

2008-11-18T20:37:00.001-07:00

Valorie and I decided to join the blogging revolution after looking at our brother's and sister's blogs. I'll start the first blog then leave the rest up to Val of course.