Showing posts from January, 2018

What You Should Be Asking Your Lender Before Committing to a Mortgage Loan

When  buying a home at the Lake of the Ozarks , there are several factors to take into consideration. One of the things is your mortgage. With all of the lending opportunities available, it's easy to become overwhelmed and just go with the first choice without even asking questions about your mortgage payment responsibilities. That's why the  Fran Campbell Team  has come up with a list of questions that you should be asking your lender before signing off on a mortgage commitment. Take a look: 1. What is the interest rate? The first thing you should ask your lender for is a direct interest rate quote, as well as the corresponding annual percentage rate for the loan. The interest rate, along with your mortgage balance and loan term will determine your real monthly payment. A loan with a smaller balance or lower interest rate will make for smaller monthly payments. If you're not sure about the interest rate your lender has quoted you, don't hesitate to shop around wi

Home Appraisal: Pricing Your Home for Sale

"How much is my home worth?" This pressing question weighs heavily on the minds of anyone who is thinking about  selling property at the Lake of the Ozarks . The truth is that ultimately, your home is worth however much someone is willing to pay for it. That being said, having an idea of its official appraisal value can help significantly when it comes to pricing your home and negotiating with potential buyers. What Is The Home Appraisal? At some point during the home buying process, the buyer will be responsible for ordering a home appraisal. This is the official process wherein a professional appraiser evaluates several different factors to determine the home's current market value. The number they come up with will be important to all involved parties: The buyer will probably not want to pay more for the property than the appraisal amount (unless they are engaged in a bidding war with another buyer). The seller will likely not want to sell the home for a pric

Why Staging Your Empty Home is Worth Your Time

There are any number of reasons why you might decide to sell your home at the Lake of the Ozarks . While you might still be living in your home while it's on the market, other situations may require you to move out before you have found an interested buyer. In these cases, you may discover that you're attempting to sell an empty home. While this is certainly possible, you may discover that you have a harder time finding interested buyers when your home is empty. Here are a few reasons why you might be better off staging your empty home . Empty Homes Aren't As Inviting Buyers are looking for a place to call home, and empty houses can seem cold and uninviting. Buying a house is as emotional as it is logical - it's important that you appeal to your buyers on a subconscious level by making the house seem warm and welcoming. A Staged Home Gives Buyers Inspiration Have you noticed how today's homes seem to have increasingly creative layouts? This is especially tr

Easy Home Improvements to Tackle this Winter

Just because the weather is cold outside doesn't mean you need to put away the tool belt. Although exterior/outdoor improvements have been put on hold, there are still several interior projects that you can tackle during the cold months. Here are some  interior home improvement projects that can help you get your home sold to consider tackling this winter. Interior Painting Nothing freshens up the home more than a new pop of interior paint! This activity is perfect for the winter and it is perfect for every DIY-er. This is a great way to get rid of the winter-blues and to keep up with your home improvement to-do-list. Upgrade your Flooring This is another perfect winter time project that is not subject to temperature restraints. Whether you are just looking for a style upgrade or your current flooring is showing wear and tear, this is an easy short term project that you can do yourself or hire a professional to complete the project. Update Lighting Lighting can