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 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

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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Branson area Lake view home ready for a new family

Living in the Branson area makes it common place to have neighborhood gatherings.

This lake view home has a sweet deck that gives you views of both Table Rock Lake and the Ozark Mountain Country side.  Just imagine bring your coffee and the newspaper out to watch the sunrise with birds singing, as you prepare for the day.

This wonderful home offers the new owners privacy with trees all around, but within minutes of town for shopping, dining and entertaining.  Silver Dollar City is fifteen minutes, friends and family will be lining up to visit with the two guest rooms that are both over sized with walk-in closets on the upper level with their own bathroom and loft for computer work or tv time or just chillin.

The lower level has two family spaces, after a long day on the lake you can take to the couch and watch a movie or take in the gas fire place on a cold winter night.  Or sneak off to the additional living space to read  a book.  This lake view home has a large master bedroom with en-suite bathroom.  The house has been updated with fresh decorator paint colors, new light fixtures and hardware, wainscotting in two of the bedrooms and much more.

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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Table Rock Lake Cabin a short walk from the water and close to Branson MO

Looking for your first cabin on Table Rock Lake near Branson MO? 

Are you on a budget, but you have big dreams?  This cabin has a winter peek-a-boo view from the front porch and a great location.  Joe Bald Park is around the corner, to launch your boat, float on a raft, cookout with friends or just relax in a chair and watch the boats go by.  It 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.

This Branson area  property has been recently updated, the kitchen has new cabinets and appliances with hardwood floors.

The rest of the house has new paint, carpet, updated bathrooms, light fixtures, ceiling fans  and is ready for new owners.  The living area is open to dining and kitchen making it perfect for entertaining friends and family.

Don’t be surprised to have the party spill out onto the front porch. Where you have options with it’s south exposure watching both sunrise and sunset.  Coffee in the morning or wine with a good book in the evening after a long day on the lake, take your choice.  The deck spans the front of the home and is made for lounging.

You will be pleasantly surprised with the three car garage, so whether you want a shop for hobbies or storage for all the lake toys, your covered.  There is room in the yard to play horseshoes, washers, volleyball or croquet and three bedrooms for guests who will be lining up to visit.  Table Rock Lake is a special place, call this home yours and start making memories.   It won’t last long.

Call Sharol Nuckolls @ 417-593-2010, if you would like more information or a showing.  I

f you are looking for a home or thinking of selling your home would love to help you through the process.  Follow me on Facebook, Pinterest, Google+ or Twitter (mammanuck)

 

Author:  Sharol Nuckolls

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Memorial Day Weekend on Table Rock Lake

Table Rock Lake in the Branson MO area

Memorial Day 2014 Table Rock Lake in the Branson, MO area.

Just recently Table Rock Lake was ranked one of the Top Ten Lakes for families in the United States. As a real estate agent who lives here, I am fortunate enough to experience it every day. When looking for real estate clients are always talking about “getting the best view” and that is really important. (I know because after a long hard day at work, I wonder on to the back deck and watch the sunset, while other people are glued to a TV.) Equally important for clients who are considering this as their home, is all the lake opportunities.

Another spectacular weekend on the lake, we had wonderful weather 80 degrees, with some quick rain showers that brought beautiful scenery. Table Rock Lake being a CORE lake keeps it’s natural beauty. The Ozark Mountains are all around you with native wildlife and don’t be surprised to see blue heron’s flying over head, foxes playing on the shore line or deer peaking out of the woods.

Table Rock Lake native

There is lot’s to do here for both family & friends.

We have some of the greatest fishing around with large mouth, small mouth and Kentucky bass, catfish, crappie, walleye, perch and kids favorite blue gill. There is definitely something for everyone and they were out in force this weekend. You can find fishing tournaments almost every weekend for those who like to compete.

BIG CATCH ON TABLE ROCK LAKE

This is a great lake for boating, whether your tubing, skiing, wake boarding, house boats or just hanging out on the pontoon or tying up with friends. Your options are endless.

We have lots of options if you’d like to do dinner lake side from Big Cedar, The Landing, The Rock, Pizza Hut and much much more.

Shore line on Table Rock Lake

Table Rock Lake after a rain shower

Last night we took a boat ride at sunset and experienced all of the above and more. Table Rock Lake is an extraordinary place. Come visit and if you need a real estate professional call Sharol Nuckolls @ 417-593-2010 or look for Branson area properties at TableRockRealtyGroup.com or follow me on Facebook or twitter (mammanuck), Google+, Linkedin

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Author: Sharol Nuckolls

Things to think about when purchasing a home with septic system & water wells

Purchasing a home in the Branson area on Table Rock Lake offers you a great lifestyle. Depending on the home you purchase it could involve your first experience with septic systems and water wells. So being prepared and educated and using your real estate professional to help you navigate the purchase will help things go smoothly.

Wells are utilized usually utilized outside the city limits. A well could be community (subdivision), shared (multiple persons) or private (individually owned). The well is cared for by those who are involved. It is important that wells are inspected and maintained on a regular basis to insure for healthy drinking water. Well agreements cover costs, maintenance, etc. For more information on well maintenance and inspection go to Private Ground Water Wells

Just like water wells septic systems are typically used when city services are not available. In Stone County a seller of a home is responsible for obtaining a septic certification. The seller has a qualified septic inspector evaluate the system and ensure the system is in good working condition. If it is not the seller is responsible for making repairs to the system. Not all counties require certification, so I strongly encourage a septic inspection in these counties. Septic systems can be very costly, so it’s very important that it’s in good condition.

A septic system can run from $1,000 – 6,000+ or more depending on the type and size of the system. Following are some simple steps to maximize the life span of your system.  To learn more about septic systems go to EPA’s website 

If you would like more information on cost of installation of a septics go to Zillow’s Blog

Learn to compost- It makes sense both for the environment and for your septic to put less waste in it. Only use your garbage disposal when necessary, almost all things put in a disposal can be composted. (And composting is also great for your flower beds) Finally don’t flush non biodegradable materials down your toilets.
2. Newer systems tend to be leach fields. These systems consist of lines that run through your yard. (these systems actually can help water your yard) but it’s important that you don’t plant or dig in that area. A tree root could actually break a line or you could cut it by using a shovel. These are not inexpensive fixes, so just make wise choices on where to plant and garden.

3. Depending on how much you live in your home (full time vs 2nd home), the number of people living in the home and size the system you will need to have it pumped. (Typically every 2-6 years depending on usage) You can hire a professional service to come out once a year to make sure it’s in good working condition and alert you to when it may need to be pumped. If you’d like more information on septics  go to  Stone County Website

Septic systems work well and when maintained can have a long life. If you have any questions or would like more information you can call me or if your searching for a home in Branson MO and would like a real estate professional: Call Sharol Nuckolls 417-593-2010 or search for homes @ TableRockRealtyGroup.com, or follow me on twitter @Mammanuck or FaceBook

Branson Mo

Author: Sharol Nuckolls

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Branson area Custom Home with Room to Roam

 Branson area Tranquil Setting with Ozark Mountains as your back drop

Are you looking for a custom home with room to roam?  This wonderful home is on 5+/- acres of Ozark Mountains as your back drop with endless amounts of dogwoods throughout the property.  As you drive up to the home, you will appreciate the perennial flowers and all the trees that surround the property.  The location has perfect access to everything that Branson has to offer, but gives you privacy and peace from the busy city life.  This classic home opens into an open floor plan with a great room and dining area with wonderful hardwood floors.

 

Gourmet Kitchen with ample storage

The kitchen has custom maple cabinets, corian counter tops with tile floors.  The breakfast nook has walls of windows bringing nature in doors.  Mornings coffee will never be the same with cardinals & blue birds singing, dogwoods in full bloom and the sun shining in, a true safe haven.  The master bedroom and closet are large with hardwoods, coffered ceilings and access to a deck the spans the back of the home, to enjoy nature at its best.  The main level has an additional guest room, utility area and two additional bathrooms.

Branson area Master Suite

Got a Hobby?  Need Storage? No worries, your covered!

Creating memories by taking a short drive to boat launch or the Cape Fair Marina to spend time on Table Rock Lake, or playing crochet or horse shoes in the yard are all options for friends and family.  Family outings to Branson Landing, Tanger Mall, The Strip, Silver Dollar City or Table Rock Dam are within twenty minutes of the property.  The lower level has an additional living space with kitchen and two oversize bedrooms for guests.   The three full car garage on main level, one car below, John Deere Room and lots of closets throughout the house will provide homes for  all the toys from boats, jet ski’s, four wheelers, golf clubs, hunting gear, or just a hobby room you’ve got options.

Are you looking for a refuge from the “busy” day to day grind?  This spectacular home can be your, call Sharol Nuckolls @ 417-593-2010 or email me @ sharol.nuckolls@gmail.com or find me on FB or Twitter(mammanuck) 

If you would like to find out more information about this home or others in the Branson area go to TableRockRealtyGroup.com

Author:  Sharol Nuckolls

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