$365,000
508 N 2300 W, West Point, UT
3 bd · 1 ba · 1,296 sq ft
Listing courtesy of Real Broker, LLC, Annette Judd, 855-450-0442.
Presented by Real Broker, LLC.
Associate Broker · The Luxury Agency
Annette Judd
Real Broker, LLC
Who Annette is
Annette Judd is a community leader, real estate professional, and U.S. Air Force veteran who has proudly served Northern Utah since 2014. Originally from St. Louis, Missouri, Annette served as an Air Traffic Controller while stationed in California and was a member of the Honor Guard, providing military honors for fallen veterans. A longtime West Point resident, Annette is serving her second term on the West Point City Council after first being elected in 2019. She also served more than three years on the North Davis Fire District Board. Her military background, business experience, and commitment to public service shape her thoughtful approach to leadership and community involvement. Annette is married to Ryan Judd. Together they have seven grown children and three grandchildren. She enjoys spending time with family and staying actively connected to the community she calls home.
What Annette's clients say
Annette’s enthusiasm to help us accomplish our goals based on our timeline and constraints stood out from the beginning. I feel like she did a great job listening to our needs, gave us realistic feedback and data, and went above and beyond the call of duty to help us go to market while we were in another state looking for homes.
As a lender, it’s so important to work with a Realtor who truly has their clients’ best interest in mind. Annette Judd is absolutely that Realtor. She is passionate about her clients, incredibly attentive, and always goes above and beyond to make sure their needs are met. It’s a pleasure working with her, and I highly recommend her.
Annette is AMAZING! She helped us with our first home purchase and made it such a smooth experience. She was super patient while we worked through home shopping and was a huge help every step of the way.
Annette's listings
Video tourFor sale$655,0004 bd | 4 ba | 2,928 sq ft3161 S Edgewater Cv, SyracuseListed by Annette Judd
For sale$240,0003 bd | 3 ba | 1,620 sq ft1554 S MONROE E #E2, OgdenListed by Annette Judd
$655,000
3161 S EDGEWATER CV W, Syracuse, UT
4 bd · 4 ba · 2,928 sq ft
Listing courtesy of Real Broker, LLC, Annette Judd, 855-450-0442.
Presented by Real Broker, LLC.
$389,000
1216 W 1200 N, Layton, UT
3 bd · 1 ba · 1,414 sq ft
Listing courtesy of Real Broker, LLC, Annette Judd, 855-450-0442.
Presented by Real Broker, LLC.
What is your home worth?
Annette looks at recent sales near you and sends you a value personally.
Things you need to know
How much do I need for a down payment on a home?
The amount you need for a down payment depends on the type of loan and your financial situation. While 20% is a common benchmark, many buyers put down less—some conventional loans allow as little as 3%, and FHA loans require just 3.5%.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on what you tell a lender. Pre-approval means the lender has checked your income, assets and credit, so sellers take your offer more seriously.
What are closing costs, and how much should I expect to pay?
Closing costs are the lender, title and recording fees paid when the sale closes. Your lender gives you a written estimate early, so there are no surprises.
How long does the homebuying process usually take?
From an accepted offer to closing is often 30 to 45 days. Finding the right home first can take a few weeks or a few months.
Can I buy a home if I'm self-employed or have irregular income?
Yes. Lenders usually ask for more paperwork, such as two years of tax returns. Talk to a lender early so you know what they need.
What's included in my monthly mortgage payment?
Usually the loan payment itself, property taxes and home insurance, and mortgage insurance or HOA dues where they apply.
What is a 2-1 buydown, and how does it work?
A buydown lowers the interest rate for the first two years, often paid for by the seller or builder. Your lender can show what it would mean for your payment.
How does refinancing work?
Refinancing replaces your loan with a new one, usually for a lower rate or a different term. A lender can tell you whether the savings cover the costs.
Are there special loan programs for veterans, healthcare professionals, teachers, or first-time homebuyers?
Yes. VA loans, Utah Housing programs and some lender programs can help. We can introduce you to lenders who know them.
What should I avoid doing before closing on a home?
Avoid new debt, large unexplained deposits, job changes and big purchases until you close. Ask your lender before any change.
What Annette's clients say
Annette’s enthusiasm to help us accomplish our goals based on our timeline and constraints stood out from the beginning. I feel like she did a great job listening to our needs, gave us realistic feedback and data, and went above and beyond the call of duty to help us go to market while we were in another state looking for homes.
As a lender, it’s so important to work with a Realtor who truly has their clients’ best interest in mind. Annette Judd is absolutely that Realtor. She is passionate about her clients, incredibly attentive, and always goes above and beyond to make sure their needs are met. It’s a pleasure working with her, and I highly recommend her.
Annette is AMAZING! She helped us with our first home purchase and made it such a smooth experience. She was super patient while we worked through home shopping and was a huge help every step of the way.
Who Annette is
Annette Judd is a community leader, real estate professional, and U.S. Air Force veteran who has proudly served Northern Utah since 2014. Originally from St. Louis, Missouri, Annette served as an Air Traffic Controller while stationed in California and was a member of the Honor Guard, providing military honors for fallen veterans. A longtime West Point resident, Annette is serving her second term on the West Point City Council after first being elected in 2019. She also served more than three years on the North Davis Fire District Board. Her military background, business experience, and commitment to public service shape her thoughtful approach to leadership and community involvement. Annette is married to Ryan Judd. Together they have seven grown children and three grandchildren. She enjoys spending time with family and staying actively connected to the community she calls home.
