Buying a Home

Lake Of The Ozarks: 17 Reasons To Move To This Missouri Gem

Lake of Ozarks

One of the most beautiful places in the country is the gorgeous area of the Lake of the Ozarks Missouri. So many people love living in Lake Ozark MO and it has so many amazing things going for it. If you’re thinking about making a moving to Lake Ozark, check out some of these amazing features of this gorgeous area.

1) The location

The area is situated near the famous Ozark area which makes it a great place for anyone that enjoys the great outdoors. The city is situated about a 2.5-hour drive to nearby Kansas City and about a 3-hour drive to St. Louis.

2) The water

Many of the homes in the area are situated right on the lakefront or they’re close enough to give you an amazing view. Nothing beats living next to the cool, fresh air and being surrounded by nature.

The Water

3) The people

The population of Lake Ozark is around 2,100 and the community is very friendly. Residents in the area love to cater to the tourist season in the fall and there are plenty of activities for locals and visitors to enjoy.

4) The real estate

The median home...

Keeping Your Home Safe: Identifying 5 Common Safety Hazards

Home Safety Tips

If you're like most people, then part of maintaining a healthy lifestyle includes keeping your home in good condition. Some parts to consider are cleanliness, safety hazards, and decoration. You know that there are aspects of these categories that require attention every day, but have you considered the severity of some safety risks? From unneccessary clutter to hard-to-spot mould, there are many things you don't want happening in your home.

Let's take a look at 5 common safety hazards that might be hiding in your house right now.

1. Fire Hazards

Fire Safety

A fire hazard doesn't always mean that there's a lit candle somewhere or leftover ashes in an ashtray. It can also be something as simple as clothing, paper, and food scraps that have been left near a heating vent. To best protect yourself from fire hazards, be sure to properly maintain your smoke detector and keep up with the required battery checks.

2. Unneccessary Clutter

Unnecessary clutter can be dangerous if ignored. It might seem like harmless memorabilia taking up space, but it's crucial to keep your home neat and tidy. Unneccessary clutter can lead to slip-and-fall accidents, fire hazards, or heavy items falling and causing damage. Make it a habit to always throw out things you know you don't need, and be aware of how it could affect your safety.

...

Work From Home: 7 Tips For Productivity

Productivity Tips

Working from home can be a great way to earn a living and have the freedom of being self-employed. However, it does mean that without a designated workplace, one's home office can easily become just another room in the house, or even a distraction.

Here are 7 tips for staying productive while working from home:

1) Designate a room in your house as your office

These days, more and more people are working from home. Having a designated room as your office can help keep you focused and on task. It will also be easy to close the door and avoid any distractions. With the increased amount of people working from home, a lot of homebuyers make a home office space a priority when they're shopping for a new home. In fact, a designated home office can actually increase the value of your home when you're looking to sell.

2) Make a schedule and stick to it

Whether you work in a traditional office or from home, having a schedule will help you accomplish more and stay focused. Just because your work day is flexible doesn't mean that your schedule should be too. Keeping regular hours--especially if they're early hours--will allow you to focus entirely on the task at hand, and reduce distractions.

Make A Schedule

3) Get dressed

If you've ever gone to work in your pajamas, then you know how distracting it can be. Getting dressed for work, even if it's just a t-shirt and...

The Ultimate Guide To Living In And Moving To Wentzville, MO

Moving To Wentzville

If you’re looking for a new home in the St. Louis metro area, look no farther than Wentzville. The city is located about 40 miles west of downtown St. Louis and has consistently grown over the last few years. In fact, Wentzville is one of the fastest-growing cities in all of Missouri.

Wentzville offers affordable housing options that cater to a wide range of lifestyles and demographics. One of the best features of the city: it’s usually sunny here! With lots of outdoor activities like fishing, hunting, golfing, and boating available nearby as well as plenty to do inside like shopping at antique stores or checking out live music performances at local bars, there really is never a dull moment in this St. Louis suburb.

Real Estate in Wentzville, MO

The Wentzville Missouri Real Estate market is experiencing growth. The housing choices are diverse and growing with new construction homes being built all the time. There are dozens of exemplary builders currently in the area building new homes and communities.

The majority of homes for sale in Wentzville...

Have You Saved Enough for Closing Costs?

Have You Saved Enough for Closing Costs?

There are many potential homebuyers, and even sellers, who believe that they need at least a 20% down payment in order to buy a home or move on to their next home. Time after time, we have dispelled this myth by showing that many loan programs allow you to put down as little as 3% (or 0% with a VA loan).

If you have saved up your down payment and are ready to start your home search, one other piece of the puzzle is to make sure that you have saved enough for your closing costs.

Freddie Mac defines closing costs as:

“Closing costs, also called settlement fees, will need to be paid when you obtain a mortgage. These are fees charged by people representing your purchase, including your lender, real estate agent, and other third parties involved in the transaction. Closing costs are typically between 2 and 5% of your purchase price.”

We’ve recently heard from many first-time homebuyers that they wished that someone had let them know that closing costs could be so high. If you think about it, with a low down payment program, your closing costs could equal the amount that you saved for your down payment.

Here is a list of just some of the fees/costs that may be included in your closing costs, depending on where the home you wish to purchase is located:

  • Government recording costs
  • Appraisal fees
  • Credit report fees
  • Lender origination fees
  • Title services (insurance, search fees)
  • Tax service fees
  • Survey fees
  • Attorney fees
  • Underwriting fees

Is there any...

3 Questions to Ask Before Buying Your Dream Home

3 Questions to Ask Before Buying Your Dream Home

If you are debating purchasing a home right now, you are probably getting a lot of advice. Though your friends and family will have your best interest at heart, they may not be fully aware of your needs and what is currently happening in the real estate market.

Ask yourself the following 3 questions to help determine if now is actually a good time for you to buy in today’s market.

1. Why am I buying a home in the first place?

This truly is the most important question to answer. Forget the finances for a minute. Why did you even begin to consider purchasing a home? For most, the reason has nothing to do with money.

For example, a recent survey by Braun showed that over 75% of parents say “their child’s education is an important part of the search for a new home.”

This survey supports a study by the Joint Center for Housing Studies at Harvard University which revealed that the four major reasons people buy a home have nothing to do with money. They are:

  • A good place to raise children and for them to get a good education
  • A place where you and your family feel safe
  • More space for you and your family
  • Control of that space

What does owning a home mean to you? What non-financial benefits will you and your family gain from owning a home? The answer to that question should be the biggest reason you decide to purchase or not.

2. Where are home values headed?

According to the latest Home Price Index from CoreLogic, home values are projected to increase by 5.3% over the next 12 months.

What does that mean...

Is Getting a Home Mortgage Still Too Difficult?



Getting a Home Mortgage

There is no doubt that mortgage credit availability is expanding, meaning it is easier to finance a home today than it was last year. However, the mortgage market is still much tighter than it was prior to the housing boom and bust experienced between 2003 - 2006.

The Housing Financing Policy Center at the Urban Institute just released data revealing two reasons for the current exceptionally high credit standards:

  1. Additional restrictions lenders put on borrowing because of concerns that they will be forced to repurchase failed loans from the government-sponsored enterprises or Federal Housing Administration (FHA).
  2. The concern about potential litigation for imperfect loans.

What has been the result of these concerns?

6.3 Million Less Mortgages

The Policy Center report went on to say:

“It was so hard to get a mortgage in 2015 that lenders failed to make about 1.1 million mortgages that they would have made if reasonable lending standards had been in place. From 2009 to 2014, lenders failed to make about 5.2 million mortgages thanks to overly tight credit. In total, lenders would have issued 6.3 million additional mortgages between 2009 and 2015 if lending standards had been more reasonable.”

In an interview with DSNews, Laurie Goodman and Alanna McCargo of the Policy Center further explained:

“Our Housing Credit Availability Index (HCAI)* measures the probability that mortgage borrowers will...