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Buying your first home is an exciting time in your life. There's a sense of accomplishment and excitement in the air. As you prepare for your home purchase in mid-Missouri, you may start to think about the financial responsibility that comes along with becoming a homeowner. As the expert for first time home buyers near Eldon, MO , our team of agents have some tips for new homeowners. To start with, you need to get an idea of your future costs of owning a home and that's what this week's blog is all about. Home Upgrades There are many upgrades that can be done to different spaces. Depending on your personal preference and living condition needs, you may have a long list of to-dos to your new home. These home upgrades take time and money. As you invest in your home, try to save up for your major projects ahead of time that way it isn't so much of a crunch when it comes time to purchase your needed materials and labor. Exterior Maintenance If you're buying y...

Are you debating between renting or buying a home in mid-Missouri ? Our team of real estate agents in Eldon, MO know how important of a decision deciding to buy can be. While this is an exciting step in your life, it's something to think through. Below, Devine & Associates have provided some reasons why you should buy instead of rent. 1. Mortgage is Being Paid Whether you own or rent, you are paying a mortgage payment. When a landlord charges rent, you are paying their mortgage payment - sometimes more with your monthly rent. You may as well be making your own mortgage payment and building equity in your home. 2. Invest in Your Property When you make your monthly mortgage payments, a portion of each payment goes toward the equity of your home. This is a great way to make an investment and is a way of forced savings - in a sense. You are required to make your payments and along with that, you're earning equity on your property. Home values are trending upward wh...

Are you thinking about purchasing your first home? This is an exciting time in your life as you move toward this important stage in your life. Buying a home is a major decision. It's an exciting time but it may also bring about some stresses and insecurities. If you've never been through the process, buying a home can be intimidating. If you're thinking of purchasing a home near Eldon, MO , our team of real estate agents can help ease you through the process. Here at Devine & Associates , we specialize in helping first time buyers purchase their first home. We love helping people get into the real estate market! Check out these quick tips below on how you can better prepare as you plan to purchase your first home. Save for Home Buying Expenses There are costs associated with buying a home. A down payment, escrow funds, and new furniture are just a few of the new costs you may incur during the buying process. Ensure you have enough money set aside before you start...

If you plan to buy a home near Eldon, MO , credit score is an important factor. When you buy, you are likely going to seek a loan for the purchase of your home. A mortgage lender will need a number of documents to approve your loan, including your credit score information. If you want to help better set yourself up for homeownership at the Lake of the Ozarks , it's time to make improvements to your current credit situation. Take a look below to learn how you can start making improvements now! 1. Keep Credit Card Balances Low Lower credit card balances help to lower your score. This proves that you can keep your loans paid off and don't let them get out of control. If you have high balances on your cards right now, try to make larger payments to get this number back down to a safe level. You don't want to max out a credit card - it may seem like you can't handle credit and may not pay back your loans, therefore lowing your credit score. 2. Make Payments On Time...

Are you planning to buy a home near Eldon, MO soon? There are a number of housing options available to meet your buying needs. There are move-in-ready and fixer-upper options on the market. If you are thinking about buying a home that needs some renovation or improvements, this week's blog is for you! Devine & Associates have provided some of the great reasons why buying a fixer-upper is a good idea! Build Equity FAST When you make improvements to your home, you are adding to the value. If you buy a property with intentions of fixing it up, you are quickly building equity. It's a great way to invest your money. When and if you plan to sell, your home will likely be worth much more than you purchased it for. Personalize Your Space When you redo a home, you get to make all the design decisions. From flooring and paint color to the layout of the home, you can make changes and personalize the space to fit the needs of you and your family. It's a place in which y...

A small space can be tricky to decorate without seeming too cluttered. As your Eldon, MO real estate agent , we pride ourselves on working with all type of home buyers. Whether you are renting a small place or own a cozy home, there are some decorating tips that can help your space FEEL bigger than it is. Take advantage of these tips below if you want to feel more comfortable in your smaller space. Think Up Many homeowners will think out instead of up. Try to decorate your walls up to the top. A shelf above a doorway is a great example of this. It's unused space that can be easily used for storage. Consider adding shelving or bookcases along an empty wall to help maximize storage space. Hang Them High When decorating your space, hang items up high on the wall. This can help to draw your eye upward, increasing the visual space of the room. It can help for windows to appear bigger than they are if you hang the curtain toward to ceiling. It makes the room appear taller than...