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Buying a home is a personal process, and no one knows this process better than your real estate agent. Sometimes it's easy to get too comfortable and accidentally say something in mixed company, which may result in unfavorable consequences.These things could possibly hurt the overall experience of buying a house in Laurie MO and they could cause problems in the negotiation process. Here are 5 things homebuyers should never say. 406 Brockman Springs Road Tuscumbia, Missouri 65082 1. This is My Dream House This is a popular phrase that many people like to say when they think they've found the perfect house. Unfortunately, if you're overheard by the listing agent or the seller, you've just given away one of your best bargaining chips! If the seller knows that you think their house is your "dream house," then they may not be willing to negotiate a fair price. They could attempt to squeeze more money out of you because they now know how much the house mea...

It doesn’t matter whether you’re a repeat or a first-time homebuyer at the Lake of the Ozarks – getting prequalified for a mortgage loan should be one of your very first steps towards buying a house in Osage Beach MO . You will need to work with a mortgage lender to officially get prequalified, but your real estate agents at the Lake of the Ozarks are here to help you prepare for the process with these quick tips. Once you’ve been prequalified, you can move on to the next step – preapproval. What is a Mortgage Prequalification? A mortgage prequalification is a tool to help future homebuyers determine how much money they can borrow from the bank. Part of the process will involve evaluating your debt-to-income ratio, which is the amount of outstanding debt you currently owe compared to your income. It’s important to be aware that if you have too much existing debt, you may not be approved for a mortgage loan. Getting prequalified is not a commitment from the bank for the loan n...

Homes for sale at the Lake of the Ozarks are incredibly popular, especially when they have their own dock on the gorgeous lake.   Devine & Associates Real Estate would love to give you the keys to this wonderful lake front home which is available for sale or lease.  381 Lucy Road Lake Ozark, MO  $135,000 (reduced from $147,500!)      Lake front with dock Access to the beautiful Lake of the Ozarks is just a few steps away from the door. It's is located in a quiet cove with 65' of lake frontage.  There is a 1-well dock with a 30' X 10' slip.     One level living Located in the School of the Osage school district, this wonderful home is close to town, only a short drive down HH.  The 2 bedrooms, 1 full bath, and open living and kitchen areas are conveniently all located on the same level.  You can spend some quality time outside on either the dock or the large deck connected to the house.  There is al...

There are simple and affordable things that you can do to cut heating costs this winter, and many of these also add to the value of your property too.  These improvements, along with the fact that your energy costs are low, are very attractive to people wanting to buy a home in mid-Missouri .   Most of these updates are inexpensive.  These tips can save you money while you are living in the house and they are impressive to point out to potential buyers when you are ready to sell.   Protect what is already in the home. Properly taking care of what your house is already using will keep your heating bill low and keep those items from needing to be replaced when you sell.   Seal leaks. Over time, many areas in your home can produce small gaps or cracks where the cold air can leak in and the hot air leaks out.  Replace worn weatherstripping around doors and windows.  Leaks in exposed duct work can be losing 20% - 30% of the air going through it....

New Year's Eve is a time to think back about what happened in 2015, and to dream about all of the wonderful things that you hope for in 2016.  It's also a time to relax, take a break, and celebrate.  The Devine & Associates Real Estate Team  decided to do a little digging, and we found some interesting fun facts about this holiday to share with you.  Quite a few were brand new to us, and some sound like fun traditions to start! 1.  Over 4.000 years ago in Rome was the first New Year's celebration.  New Year's Day was put on January 1 due to the month being named after Janus, the Roman god of doors and gates.  Janus is depicted with two faces, one looking ahead and one looking back.  A perfect symbol for the ending of one year and the beginning of a new one! 2.  Baby New Year is a very familiar symbol for the holiday.  Greek mythology is credited with coming up with this one.  It states that the baby will grow to old age o...

If buying a new home has been in your thoughts recently, now is an excellent time to jump in and do it.  Buying sooner rather than later could end up saving you a large amount of money.  Our Laurie and Eldon real estate offices have some incredible choices for you to choose from.  Here are a few reasons why buying a home now instead of waiting is a good idea.   Home prices are predicted to rise.   Home prices have been appreciating over the past year, and predictions state that they will continue to rise, possibly at a rate of 5.2% in the coming twelve months. Over the next five years, they are expected to keep rising by more than 3% a year.    Interest rates on mortgages are expected to increase.   Mortgage rates have been their lowest over the past year, but they are now starting to rise slowly.  This coming year, expect rates to be higher than they are now.  When interest rates are higher, your monthly mortgage payments w...

When buy a new house , you are sometimes automatically volunteered to host the next big family gathering at your place.  This task doesn't have to intimidate you. With a little bit of preparation, things can go smoothly and a good time can be had by all, even you, the host.  Here are a few tips form Devine & Associates Real Estate office to help you get your home ready to entertain this holiday season.   Deep-clean high traffic areas. Bathrooms and kitchens will be getting a lot of extra use with house guests around.  Focus your cleaning efforts on these two areas.  Speed-clean other areas. As long as every other room in the house is dusted and shiny, it's clean enough to get you through the season.  Extra people means that things will have that "lived-in" look even quicker than usual.  Save the deep-cleaning of these spots for after the guests leave.  Plan ahead for any spills or stains that could happen while you are entertaining....