Disclaimer: I am a licensed Real Estate Sales Agent in the state of Utah (license #8433809-SA00), my current brokerage is LPT Realty. I am a licensed Mortgage Loan Originator in the state of Utah (license #8433809-NMLO), and my NMLS Consumer Access Number is 1922338. I am a licensed Insurance Producer in the state of Utah (license #913086). I am a commissioned Notary Public in the state of Utah (commission #720117, expires 8/30/2025). I am a licensed Massage Therapist in the state of Utah (license #8433809-4701). All information is provided as opinion only and may not apply to your specific situation. You are advised to consult with a professional in regards to your individual needs. I am not a lawyer, a certified public accountant, a circus clown (except where explicitly designated), or a professional wrestler.