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Buying a home is not only a financial investment, it is an investment in your future!  Here at Devine & Associates , we want to make your home buying process as simple as possible.  Especially if you are a first-time homebuyer, there are important questions you should be asking yourself and your realtor before you purchase.  We have compiled a list of the top five questions you should be asking when in the market for a home for sale at the Lake of the Ozarks .  If we can answer your other questions, please give us a call at 573-286-6216. What is the Offering Price Based On? As a first-time homebuyer, you may think that you don’t have a lot of control over the selling price.  You actually do, and using a knowledgeable and experienced real estate agent can help you greatly.  Do your own research on similar homes in the area; a good rule of thumb is that the offering price should be based on comparable homes that are also within your desired home-buy...

Are you dreaming about becoming a homeowner? Buying your first home is an exciting time but it can come with a few surprises. Our team of real estate agents in Eldon, MO specializes in helping first time buyers. That's why we work hard to prepare first time home buyers in Mid-MO for the expected and maybe unexpected costs that come with buying a home. Take a look below to learn about some of the common expenses that goes hand in hand with buying your first home. Home Inspection Many times, a home inspection must be performed on a house before the mortgage lender will approve the loan. The inspection lets the current homeowner and the potential home buyer know about the current condition of the home. The buyer is typically in charge of paying the inspector to look over and report on the home in question. Appraisal An appraiser will look through the home and compare to similar homes in the area to give an amount that he or she thinks the home is worth. The mortgage compa...

Buying your first home is a big deal! It's an exciting time but it comes with major responsibility. From getting pre-approved to searching for your home to making an offer, these steps may seem overwhelming for a first time buyer. As your experienced team of real estate agents in Eldon, MO , we know how important it is to feel confident as you move through the buying process. We specialize in helping first time buyers find their starter homes for sale near Eldon, MO . Take a look below for some quick tips all first time home buyers should know! Start Saving Right Away 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. It's best to be ahead of the game! Find the Right Mortgage Meet with a mortgage professional during the home buying process. It's a key step in becoming a homeowner. There are a...

Buying your first home is an exciting time! Even though you are likely thrilled for this next step in your life, the process may seem a bit intimidating if you've never been through it before. As your team of real estate agents in Eldon, MO , we know how important it is to create a positive experience for first-time buyers. Buying a home near the Lake of the Ozarks should be a memorable and exciting time. With these tips under your belt, you can be better prepared for the home buying process! Check Your Credit Your credit score has a big impact on your mortgage loan rate. If you don't have the best credit, start making improvements now to straighten it out. Try to pay all of your bills on time, don't rack up the credit card debt, and pay down as much of your debt as possible. This can help improve your credit rating. Save Up for a Down Payment Many home loan options require some sort of down payment. It may not be the tradition 20% down, it's more along the ...