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There are few things more exciting than planning to have your first child. It's like you and your spouse are standing at the start of a massive water slide - slightly terrified, but thrilled, excited, and filled with anticipation at the same time. Having kids will be one of the most rewarding experiences of your life, but it certainly comes with its fair share of important decisions and responsibilities. If you and your spouse do not yet have a home of your own, our central Missouri real estate agents are here to encourage you to buy a house before you take the plunge and have a child. The choice is obviously yours if you would rather continue renting, but here are a few reasons why we believe parents should buy a house at the Lake of the Ozarks before having children. 4 Reasons To Own Your Own Home Before Having Kids 1.  Autonomy & Freedom If you've ever rented a home, you know that renters are subject to strict limitations regarding what they can and can not ...

As any experienced buyer or real estate agent will tell you, buying a home is a multifaceted process. You're choosing somewhere to live, but you're also making what will probably be your biggest purchase in your entire life. Because there are so many financial considerations, it's important to approach the process carefully and systematically. You want to be sure that you don't miss anything! A Few General Observations Before we delve into the specifics of home financing, here are a few general observations. You should only buy a house if you plan on living there for at least five years. If you live somewhere for less than five years, renting may be a cheaper option. If you live somewhere for five years or more, though, buying is often more cost-effective. Bigger down payments mean a smaller loan amount and (consequently) smaller monthly payments. Your mortgage payment will only be a fraction of your monthly expenses. As the owner, you will also be requ...

It's time. Maybe you've had your rent payment raised again, maybe you are tired of listening to your neighbors argue through the thin walls, or maybe your family is growing and your need more space. Whatever your reasons, you've finally arrived at one pivotal decision: it's time to buy a house at the Lake of the Ozarks .  First off, congratulations are in order! Buying a home is a big step, and the team at Devine & Associates Real Estate would love to help you bring that dream to fruition. Here's a quick overview of some of the basic steps to take when you are ready to buy your first home . Step 1 - Identify Your Budget The asking price of any home for sale at the Lake of the Ozarks is just part of the story. It is your monthly payment - not the preliminary asking price - that will determine whether or not you can afford a certain home. In order to get a better understanding how much home you can afford, you need to take a solid look at your finan...