How does the rise in mortgage rates affect YOUR purchasing power?

Are you ready?

Do you know how it will affect you?

Which house would you prefer?

THIS

 

OR THIS?

Are you contemplating purchasing a home?  A lot of buyers make the mistake of only looking at the sale price of a property when deciding to buy a home or vacation home.   In reality, the timing of the purchase  could be even more important.  If you have been on the fence, the time to purchase may be now.   

Consider this……

For each percentage the Federal Reserve raises interest rates, it decreases a buyer’s purchasing power by 9 to 11% (depending on loan amount) – and the Fed’s have given every indication that rates will be going up!  The interest rate you pay on a home  affects you monthly over the life of the loan.

  Below is a graph that gives some great examples of how interest rates affect YOU, the consumer.

Monthly Payment Table for 30 year loan with Interest Rates from 3.500 to 6.000 Percent

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Loan	3.500	3.812	4.125	4.438	4.750	5.062	5.375	5.688	6.000
150000	673.57	700.00	726.97	754.47	782.47	810.97	839.96	869.41	899.33
160000	718.47	746.67	775.44	804.77	834.64	865.04	895.95	927.37	959.28
170000	763.38	793.34	823.90	855.06	886.80	919.10	951.95	985.33	1019.24
180000	808.28	840.00	872.37	905.36	938.97	973.17	1007.95	1043.30	1079.19
190000	853.18	886.67	920.83	955.66	991.13	1027.23	1063.95	1101.26	1139.15
200000	898.09	933.34	969.30	1005.96	1043.29	1081.30	1119.94	1159.22	1199.10
210000	942.99	980.01	1017.76	1056.25	1095.46	1135.36	1175.94	1217.18	1259.06
220000	987.90	1026.67	1066.23	1106.55	1147.62	1189.43	1231.94	1275.14	1319.01
230000	1032.80	1073.34	1114.69	1156.85	1199.79	1243.49	1287.93	1333.10	1378.97
240000	1077.71	1120.01	1163.16	1207.15	1251.95	1297.55	1343.93	1391.06	1438.92
250000	1122.61	1166.67	1211.62	1257.45	1304.12	1351.62	1399.93	1449.02	1498.88

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Below is a table of  potential rate hike probability of increases for the NEAR FUTURE.

BOTTOM LINE… NOW is the time to pull the trigger!

There are lots of steps that go into purchasing a home.

The first step is finding a lender that you are comfortable with and going through the process to determine what your maximum approval amount is for a purchase price.  Buyers should take the time to “shop around” to insure you get the best rate and compare all other costs and fees associated with the loan.  The industry standard of borrowing for a home is no more than 28% of gross income and that’s assuming all debt services are under 36%.  A buyer can help reduce his/her costs by putting 20% down on a property which will eliminate private mortgage insurance.  PMI is insurance that protects the lender from non-payment.

A buyer’s pre-approval amount doesn’t necessarily mean that’s what you want to spend on a property. 

You need to consider your lifestyle and your comfort level.  Does the home you are purchasing need renovations?  Do you have college education ahead?  Do you enjoy vacationing with family?  When you purchase this home are you wanting all new furniture?  Are you planning for retirement?   Where is your comfort level with the loan amount?  As a real estate agent here in Branson MO, I know lots of new home owners want to purchase a boat and additional lake toys.  These questions need to be answered prior to finalizing your maximum loan amount.

Get Yourself A Buyer’s Advocate

It’s also key that you get a buyer’s advocate: a real estate professional who has knowledge of the area in which you are purchasing.  You want someone who will help you navigate the buying process.  They should be able to bring not just knowledge of the area, but listen to what your desires are for your new home and then be able to comb the inventory and produce homes that fit your criteria.

They need to be able to help you understand nuances of the area, for example: septic systems; wells; homeowners and condo association dues; boat slips, HOA’s, COA’s, state and county laws that might affect you.

The agent should have an extensive vendor list to help you during and after purchase; inspectors, roofers, handymen, plumbers, movers, gas companies, electric companies, churches and so much more.  This will help ease the buyer’s transition into a new community.

So choose wisely, interview, make sure your communication styles fit.  You will be spending a lot of time with your agent and you need to trust them to work on your behalf.

Our goal at Table Rock Realty Group is to treat our client’s home as if it was our own.  We know that if we do that, we have provided a higher level of service.

 

Author: Sharol Nuckolls, REALTOR©

Table Rock Realty Group is Different by Design, offering a superior level of knowledge, expertise and complete Concierge Real Estate Services.  We also have a dedicated office manager to best serve our clients.  Call us today if you are looking for property in the Branson, MO or Table Rock Lake areas – or if you just have questions about real estate.  We can even help you find a quality REALTOR© in another community.

Call Sharol Nuckolls @ 417.593.2010 or Liz Chun @ 240.344.4582 today!  You’re invited to search our website @ TableRockRealtyGroup. com or follow us on Facebook or find us on Pinterest, Twitter, Instagram, & Google+.   We look forward to helping you navigate your real estate journey!

 

 

 

 

Branson Luxury Condo with magnificent views of Table Rock Lake

Are you ready to create memories with family & friends, up close and personal with Table Rock Lake and Branson MO attractions this condo has it all?

Similar Branson MO Luxury Condo’s available

Branson area condo with spectacular views

Table Rock Lake Luxury Condo with amazing sunsets

 

No-hassle living with SPECTACULAR VIEWS OF TABLE ROCK LAKE & THE CHATEAU! Your minutes from the water, this condo has never been used since the association was rebuilt in 2014.  So the new owners have a blank canvas and it’s ready for making memories. When you walk in the door you are immediately drawn to deck or sunroom where the views will cause you to pause.  Just imagine Fourth of July fireworks over the lake.

Table Rock Lake condo’s sunroom for after hours relaxing

Truly an extraordinary view that you will want to share with family and friends. 

There are four bedrooms and four baths so your guests will have options.  The main level has vaulted ceilings in two of the bedrooms with lake views en-suite bathrooms and large closets.  The family area has 18 ft ceilings, access to deck & sunroom and is open to kitchen and dining.

Branson area condo Master suite w/ dual closets

Table Rock Lake luxury condo with style

 

No matter if dining by candle light or barbecue on the back porch, your guests will appreciate the scenery. 

Table Rock Lake condo ready for entertaining

Branson area condo spectacular kitchen

Branson area luxury condo with island

The gourmet kitchen, has wonderful dark custom cabinetry, granite, glass backsplash, stainless steel appliances and a wonderful kitchen island for cocktail our or food prep.

Table Rock Lake at the foot of the condo

 

The location is perfect, minutes from the water, entertainment, dining and shopping in Branson!  Entertaining your friends & family will be easy, with your options endless! Branson fun awaits the new owners of this magnificent condo. Bring your lake toys and flip flops & start making memories!

Majestic Condominium Luxury at it’s finest!

Branson area luxury condo with amazing location

Author:  Sharol Nuckolls

Are you looking for a real estate professional in the Branson MO area?  Call Sharol Nuckolls @ 417-593-2010 or search for homes @ TableRockRealtyGroup or find me on Facebook,  Instagram, Twitter, Pinterest or Google+

Branson area Country Estate with room to roam!

Are you looking for a Branson area home nestled in the Ozark Country Side?

25 Hickory Tree Lane Listing Information

25 Hickory Tree Lane Video

Branson area Ozark Country Estate

This Country Estate has it all!

It has a great location, minutes from the lake, close to dining & shopping and a wonderful neighborhood with county maintained roads. The home sits on over two acres with mature trees including dogwoods throughout the property. The home was built in 2006 and just recently had a new septic system in 2014. There is a circular driveway and quaint front porch to sit on to wait for family & friends.

Branson area large great room with gas fireplace

Branson area home with formal dining & bay window

Branson area home with open floor plan

When you walk in the front door you will be greeted with an open and airy feel with a dining room with high ceilings, tile floors, architectural pillars and is open to the great room with a wall of windows to bring in the natural light and a gas burning fireplace. So snuggling up with a good book or watching a movie with surround sound are options!

Branson area nook dining experience

Branson area Gourmet Kitchen

The kitchen and additional dining nook are around the corner. The kitchen has beautiful custom maple cabinets, stunning black onyx granite countertops, Maytag appliances, double ovens, tile back splash, large pantry and an informal dining area with great views of the Ozark countryside. Entertaining family and friends will be a must, it can spill out onto the oversize deck to take in a sunset!

Branson area Master Suite with access to patio

Branson area spa like Master Bath

Master Retreat

The Master suite is over size with a spa like bathroom with jetted tub, shower, high-end vanity and oversize walk-in closet with access to deck. After a long day on the lake, the master retreat will be waiting. The main level also has ab additional bedroom/office on main floor and a large utility room with storage.

Branson area kitchenette with maple cabinets

Branson area lower level family room

Entertaining Mecca!

Entertaining may spill over to the lower level where there is an additional kitchenette with spectacular hickory cabinets. Bring your pool table the lower level family room is large and has a quaint wood burning stove, there are french doors to the patio and fenced backyard. There is tons of land to put in a garden and don’t be surprised to see deer, turkey and other Ozark wildlife. If storage is important this house is loaded with two large storage closets in the lower level. There are two additional bedrooms, one is a master suite with en-suite bathroom and the other is currently being used as a hobby room. The lower level also has a large workshop with lots of light, houses all the hvac, on-demand tank-less water heater and additional bathroom.

Branson area home deck with Ozark Countryside views

Branson area lower level workshop

Branson area large lot loaded with dogwoods

If you are looking for entertainment options, you are minutes from Cape Fair Marina, and Silver Dollar City, Branson Entertainment, The Landing for shopping and dining are within 20 minutes!

This Country Estate has it all and it can be yours!

Call Sharol Nuckolls @ 417-593-2010

or search TableRockRealtyGroup.com for this home or others here in the Branson MO area,

find us on FB, Twitter (MammaNuck), Pinterest, You Tube!

If you are looking for a real estate professional in the Branson area, let us help you!

Author:  Sharol Nuckolls

A Night to remember with Neighbors & Friends of Table Rock Lake

As always Villa Vista opened it’s doors to another amazing concert with Delyla & Roy Roger Jr, two of Dusty’s High Riders- Tommy Nallie, John Fullerton and Don Saylor. We were surrounded by over a hundred of our friends from around the area, to here wonderful stories told by Dusty about his family and his father and the amazing history of Cowboy music and the life they lead out on the range.

There were times I actually could feel myself sitting by a campfire with crickets churping and a trusty cowboy pulling out his guitar and singing under the stars…. Truly a historic night with old songs Call of the Wild, Cimarron, Roll on, Timber Trail and many more and suprises such as Desperado & By the Time I get to Phoenix from the modern cowboy era.

Delyla as always amazed us with her voice and her command of the piano.

Her ability to cross so many different styles of music with ease is a testimate to her musical talent. Don Saylor amazed us with his abilities on the accordion. The evening ended with a tribute song to Roy Rogers (truly a special individual, who taught us so much through song and movies) and off course the evening could not end with out the audience and musicians sing Happy Trails.

Thank you to all those who worked so hard to pull off another amazing event for such a great organization.
If you are looking for a Non-profit organization to be involved Neighbors and Friends is a place for women to connect and help give back to our community. We meet the second Monday of each month at 10:30 at Our Lady of the Cove Catholic Church (20 Kimberling Blvd., Kimberling City MO) Lunch is always served for $12, but we need reservations, so call Myrna Rickart for more information about Neighbors & Friends @ 417-739-9547 or make a reservation with Anna Chance @ 417-338-0304.

Audience had an a spectacular evening here in the Ozark Mountains

For more information go to Neighbors and Friends of Table Rock Lake website

Look for other upcoming events Sip & Bid & Christmas Home Tour!

Author:  Sharol Nuckolls

Neighbors & Friends of Table Rock Lake Upcoming Events

Come join us at Neighbors & Friends of Table Rock Lake

Are you looking for a organization that’s purpose is to encourage friendship between participants by having monthly luncheons with speakers from our community and interest groups for people to get involved with from nature groups to wine clubs, there is something for everyone.  As an non-profit organization we have a passion for our community and we focus  on assisting charitable and humanitarian projects within the Table Rock Lake Area.

We do several projects to raise money for charitable organizations, we are fortunate to have Delyla Uebel in conjunction with Roy Roger Jr,two of Dusty’s High Riders, Tommy Nallie & John Fullerton presenting a Western Concert at Villa Vista.  It should be a beautiful evening and has already sold out!

Roy Rogers Junior

Delyla Aulgur Uebel

Sip & Bid is another event held on Sat., 10/25/14 at StoneBridge Village from 3:30-6:30 where we will have a live & silent auction of wonderful items donated by the community, Hors d’oeuvres, music and much more! Tickets are on sale and can be bought at the Kimberling City Library or at monthly meeting.  This is a wonderful opportunity to mingle, make new friends and help raise money for great organizations in the community.

 

Finally we have our Christmas Tour of Homes, this is our 14th year and every year it gets better and better!  There will be four fabulous homes all dressed up for the Holidays.  You won’t want to miss this Christmas experience..  Mark your calendars for December 5 & 6 from 9:30-4pm and tickets are only $15.  There will be a hospitality room set up at the Kimberling Area Library as well where we will have gifts & glitz galleria of featured local craftsman as well as baked goods. Complimentary beverages & cookies will be served.  Prizes will be drawn and lunch is available to purchase from 11-2pm.  You can start purchasing your tickets as of 11/1 at multiple location found on our website http://www.nftrl.org/hometour  Get more information on The Christmas Tour Facebook Page

Spectacular Homes for 2014 Christmas Tour

Last year Neighbors and Friends of Table Rock Lake raised over $28,000 all while fostering friendships among neighbors.  Help us make this year even better and come join us and get involved.  We meet the second Monday of each month at 10:30 at Our Lady of the Cove Catholic Church (20 Kimberling Blvd., Kimberling City MO)  Lunch is always served for $12, but we need reservations, so call Myrna Rickart for more information about Neighbors & Friends @ 417-739-9547 or make a reservation with Anna Chance @ 417-338-0304.

Come join 250 women who want to make a difference here in our community!

“There are no strangers, only friends who have not met.”

                      — Myrna Rickart and Helen Edgington, Co-Presidents

 

Author:  Sharol Nuckolls

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Branson area home with tons of amenities & wonderful views of Ozark Mountains

Are you looking for a home that gives you options with your family & friends? 

The Oak Creek Parkway Subdivision in Branson West  is centrally located, 5 minutes from Branson West for grocery shopping & dining and 15 minutes from Branson for entertainment.  Such as; Silver Dollar City, Branson Belle, Shepard of the Hills, over 90+ of Branson Shows.

But the new owners may not want to leave the subdivision, take your guest to the club house and pool after dinner to cool down after a long day on the lake, or take to the tennis or basketball courts for a friendly game with friends.  The amenities will win you over on this home, as well as the four bedrooms and three baths and over 3,000 sq ft.

When you walk in the front door you will be met by vaulted ceilings and a wall of windows to bring in the natural light.  The homeowners just recently replaced all the carpet on the main level with stain master carpet.  The Great room has a fireplace to cozy up with a good book at the end of long day.  The kitchen /dining  is open to great room and and has hardwood floors, stainless steel appliances and lots of storage.

Entertaining friends and family will be easy, right off of the dining area there is access to a covered deck with wonderful views of the Ozark Mountains & winter view of Table Rock Lake.  Sunsets will be amazing  and the new owners will have to take advantage of them. The master is on the main level and is large with a walk-in closet, spa like bathroom with jetted tub and shower and vaulted ceilings.  There is also main level utility, another full bathroom and bedroom for guests.  The lower level gives you lots of options with an additional family room, full bathroom, workout/game room, office space, storage and two more bedrooms.

If you step out on the back porch you will see a “Secret Garden” 

The hot tub with a view awaits you with natural rock formations and birds singing.  There is also a concrete patio for additional seating and entertaining space.  This house is looking for new owners, it’s got it all!

If you are looking for a home in the Branson area,

Call Sharol Nuckolls @ 417-593-2010 or search our website

@ TableRockRealtyGroup.com.  If you’d like more information about this property follow the link 422 Austin Place

Author:  Sharol Nuckolls

Table Rock Lake Homes for sale

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Table Rock Realty Group

Branson area home with great amenities & Ozark Mountains surrounding it

Prime Location to Branson and shopping, dining & entertaining

Are you looking for a great home?  This 3 bed room 3 bath home is in a Branson area wonderful neighborhood with community pool, tennis courts, club house and much much more.  It is convienantly located down Talking Rocks Rd, so you are 10 minutes to shopping & dining in Kimberling City or 20 minutes to Branson Shows, like Jonah, Six, The Haygoods or Pierce Arrow.  (Just to name a few!) Or take the time to travel to some of our theme parks such as Silver Dollar City or White Water or Shepard of the Hills and of course all the shopping Branson has to offer.

Great Entertaining for family and friends!

This home is in the Reeds Spring School District and just minutes from Table Rock Lake.  The great room has soaring ceiling and a wall of windows to make it bright and bring the out doors in and a fireplace for fall evenings. The kitchen and breakfast nook have hardwoods.  There is lots of entertaining areas with a dining area and great covered deck with amazing views of the Ozark Mountains.  The deck will be perfect for reading the paper and watching the humming birds as sun rises in the morning.

The master is large with trayed ceiling and en-suite bathroom with storage, shower and jetted tub for relaxing in the evenings.  There is an additional bedroom on main level and one in lower level and full baths as well. The lower level also has a large family area with lots of windows that bring in the natural light, almost 900 sq ft of unfinished storage and an additional deck for guests.

This home has a park like setting and the neighborhood is truly special, don’t miss your opportunity to own a piece of the Ozark Mountains!

For more information about this property:

42 Oak Circle, Reeds Spring MO

Table Rock Lake Homes for sale

Call Sharol Nuckolls @ 4817-593-2010 or search for homes on TableRockRealtyGroup.com  If you are looking for a special place here in the Branson area let us help you!

Branson Area Lake view home with great deck

Branson area Lake Life made simple

Life doesn’t get any better than spending time on the deck with family and friends with Table Rock Lake views. Family Barbecues will definitely be on the list of to do’s, as well as crochet in the backyard that is over-size, or a vegetable garden.

Sunset over Table Rock Lake under covered patio area

You will have options when it comes to deck sitting with an upper and lower deck and almost a half-acre of land for privacy. This is the perfect home with almost 3,000 square feet with 3 bedrooms and 3 bath and to family spaces. This property has been totally renovated from top to bottom with new carpet, new roof in 2012, invisible fence,paint throughout home, ceiling fans & light fixtures, outdoor lighting, landscaping, utility shed, replaced upper deck, updated bathrooms, new master closet fast track shelving and much more.

 

The kitchen has updated appliances, cabinetry and lighting, it’s open to family area and has access to the back deck. The family room has a wall of windows to bring lots of light into the room and vaulted ceilings giving the room lots of character.

Updated Kitchen

The master bedroom has lots of light, trey ceiling and a massive closet for all your lake gear and an en-suite bathroom with jetted tub for relaxing after a day on the lake.  There is an additional room on main level being used as an office, but could be used as a bedroom.

Master Suite with all the bells and whistles

Guests will have the lower level with two bedrooms and bathroom & family area and access to deck. If tinkering with cars or hobbies are important to you, or you need storage for a boat this home has two a two car upper garage and a one car over-size lower, storage will not be a problem.

This could be your home sweet home!

This home is fifteen minutes from Branson and all it has to offer in entertainment, dining, shopping and five minutes from the grocery store of the doctor’s office, simply a perfect location on a quiet street.  Be apart of all we have to offer here in the area; Silver Dollar City, Branson Shows, Tanger Outlet Mall and so much more

If you would like more information about this home or any other home her in the Branson area call Sharol @ 417-593-2010 or search for homes on my website at TableRockRealtyGroup.com or look me up on FB or Twitter @ mammanuck

Author:  Sharol Nuckolls

Table Rock Lake Homes for sale

Branson European Estates of D’Monaco Villas

Nothing short of amazing, the spectacular views from the Estates of D’Monaco villas, will quiet your spirit These luxury properties are nestled in the scenic Ozark Mountains, with panoramic views of Table Rock Lake from each villa and 15 minutes from Branson’s shopping, dining & entertainment.

Table Rock Lake & close to Branson and all it has to offer

There is quality construction throughout the luxury complex, from all steel and concrete construction, soaring coffered ceilings, elevator for convenience, gated w/ security, decorator finishes throughout & professionally landscaped.

Each Villa has a distinctive floor plan with expansive private verandas, travertine tile, walk-in showers and gourmet kitchens. There are six villas to choose from each are uniquely different.

The Marseille, Valencia, St. Tropez are your 3 three bedroom 3 bath villas and The Catalina, Milan, Bordeaux are your two bedroom two bath options.

All bedrooms are master suites with en-suite bathrooms, The luxury is at every turn from the high-end finishes, stained concrete flooring in great room, wood burning fireplaces, wall of windows in each villa brings you up close and personal to Table Rock Lake. Evening parties by candle light will be a must, but will spill out onto the veranda to take in the beautiful surroundings

Ready for new owners dreams!

The penthouse villa is a the crown jewel of the property with over 3,200 square feet, offering 270 degree views of Table Rock Lake , it is a blank canvas ready for the new owners to personalize and comes with a build out allowance.

Business with a view

Welcome!

You will want to share this experience with your family and friends; the amenities for owners include a wonderful pool area with Tiki bar, a conference room, lounge area and community dock, lake shore access, private beach area, hot tub, & fire pit. This luxury property is steps from the water, so close you could reach out and almost touch it.

Table Rock Lake living is incredible and living at D’Monaco is a luxury experience that will forever change you and your guest. Follow your dreams and call D’Monaco Villas home.

 

Table Rock Lake steps away

 D’Monaco Villas Video Tour

If you are interested in D’Monaco Villas or any other property on Table Rock Lake in the Branson area call  417-593-2010 or search my website at Table Rock Realty Group.com

Branson Lake Front Home- Special Lake, Wonderful neighborhood and a Great House to make memories in

Table Rock Lake walk to the waters edge

Branson area home with great deck in Twin Island Estates

What makes the Branson area so special is the people and the community and this wonderful lake front home is a perfect example. The subdivision of Twin Island Estates offers it’s residence lots of opportunity to “meet” your neighbors and to enjoy all that makes this area special. The lake front home is steps from Table Rock Lake and the boat launch and docks below. It has recently had significant updates throughout the house.

The kitchen has custom hickory cabinets, granite counter tops, stainless steel appliances and marble floors with a breakfast nook. The upper & main level living is hardwoods except where there is tile. If you walk into the family room you will be drawn to the sliding glass doors where you can enjoy the view of the lake or step out onto the deck to relax after a long day of fishing, hiking, or lake fun. The dining room is open to the family area w/ a gas fireplace for cold winter nights.

Guests will line up to visit & you’ll have options there are two guest bedrooms upstairs with a full bathroom that has been renovated. The master suite is oversize with not two but three closets and for convenience a utility room and an en-suite bathroom. The party may spill down to the basement where you have a full kitchen with bar. Movie night or extra bunk room this home gives you options. The lower level also has a utility room & full bathroom for guests and a walkout patio area.

Family & Friends will enjoy all the activities

If you have hobbies or lake toys this home is for you, an oversize two car garage with storage and a John Deere room for golf cart, lawn equipment or additional storage.

The community amenities are vast; several parks with picnic areas, shuffle board, Community Center for meetings & events, adult & kid pool where you shouldn’t be surprised to see water aerobics, library for residence and much more. This is a total package and a wonderful place to live and call home.

Guest will enjoy the opportunity to spend time on the lake, this home comes with the opportunity to purchase a boat slip around the corner. Table Rock Lake was just named one of the top 10 Lakes for Family entertainment.  If lake fun isn’t enough lots of entertainment is within twenty minutes of Branson, where you can shop till you drop, over 100 different theatres to choose from, great dining and parks like Silver Dollar City and Shepard of the Hills or if shopping is your thing; try the Branson Landing or Tanger Outlets and that’s just to get your started.

If you are looking for a great place to live and a great house, Call Sharol Nuckolls @ 417-593-2010 or search for homes @ TableRockRealtyGroup.com or follow me on Facebook or Google+ or Twitter @ mammanuck

Author:  Sharol Nuckolls

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