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

---

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

---

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 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

Name(required)

Email(required)

Website

Comment(required)

New Field

Submit

Δ

Table Rock Realty Group

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

Name(required)

Email(required)

Website

Comment(required)

Submit

Δ

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

Name(required)

Email(required)

Website

Comment(required)

Submit

Δ

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

Name(required)

Email(required)

Website

Comment(required)

Submit

Δ

Table Rock Lake Front Dream Home near Branson MO

11 Shore View Dr. Video

Get up close & personal and view the homes video.  It is worth the view!

Table Rock Lake Living at it’s Finest, up close and personal

There are lots of options for a lake front property near Branson MO, but very few that put you this close with great views of the cove. This luxury home will not disappoint you, from the well manicured lawn with sprinkler system and professional landscaping, low maintenance all brick home and a three car garage for all your lake toys with extra storage cabinets.

As you walk into the home you will be greeted with soaring ceilings, massive stone fireplace, built-in bookshelves, hardwood floors and a wall of windows to bring nature indoors.  The french doors will lead you onto a composite covered deck which spans the back of the home, where barbecues and sunset watching will be mandatory for the new owners.  The gourmet kitchen has granite, stainless steel, custom cabinetry, oversize pantry, desk for planning family meals and breakfast bar.  The kitchen is open to the dining and great room to make for easy entertaining.

Branson area Lake front Home

As you walk into the home you will be greeted with soaring ceilings, massive stone fireplace, built-in bookshelves, hardwood floors and a wall of windows to bring nature indoors.  The french doors will lead you onto a composite covered deck which spans the back of the home, where barbecues and sunset watching will be mandatory for the new owners.  The gourmet kitchen has granite, stainless steel, custom cabinetry, oversize pantry, desk for planning family meals and breakfast bar.  The kitchen is open to the dining and great room to make for easy entertaining.

If lake guests are a priority, your friends and family will love the three additional guests suites with on-suite bathrooms. They will also enjoy the views of Table Rock Lake from their bedrooms. The lower level family area will be a place that your guests will gather, with a full bar, pool table, floor to ceiling fireplace, movie area, workout room, wine cellar and access to patio for relaxing after a long day on the lake. This home has special features; an upper and lower utility area for convenience, a study/office for working from home, his and her closets in the master bedroom, over-size additional bedrooms, loads of storage and built-ins and a large backyard for crochet with the family.

This lake home is fifteen minutes from Branson and all it has to offer with dining, shows and shopping.  Options are endless: Silver Dollar City, Shepard of the Hills, Table Rock Dam, Shepard of the Hills Fish Hatchery, Branson Landing, Branson Tanger Mall and much, much more…

 You can have it ALL near Branson MO!

The home also has a semi-private dock with swim deck available for extra dollars. If you’re looking for the perfect lake home, this is it! Truly a special property, Call today for a private showing.

If you are searching for real estate in the Branson area, call Sharol Nuckolls@ 417-593-2010 or search for homes on my website @TableRockRealtyGroup.com

or follow me on Facebook or Twitter (mammanuck)

Author:  Sharol Nuckolls

Name(required)

Email(required)

Website

Comment(required)

Submit

Δ

 

Branson area Rustic Ranch with amazing views of Table Rock Lake

Rustic Ranch on Table Rock Lake

Have you always wanted a cabin or home on Table Rock Lake and couldn’t find a view that matched your budget? 

This Rustic Ranch can check all the boxes.  This home has stunning views of the Kimberling City Bridge and open channel views of the Lake, Fourth of July will never be the same watching fireworks will become a tradition.  It is situated on an acre of land and nestled in the Ozark Mountains, sunsets won’t disappoint the new owner.

Table Rock Lake & the Kimberling City Bridge

Table Rock Lake from the deck of this Branson area home

Lake life is all about easy living, this home has been totally remodeled from the inside out.  Family & friends will line up to visit,  this home has  three bedrooms and an open floor plan to make it easy to entertain.

Open floor plan for easy entertaining

When you walk in the door, you’ll feel right at home from the large kitchen with stainless steel appliances, butcher block counters and tons of cabinets for storage.  Don’t be surprised if guest  linger after dinner to enjoy the view.  The party could spill out onto the long patio or deck where barbecues or sunset watching will definitely be mandatory.

The master bedroom is over sized with updated bathroom, walk-in closet, Brazilian hardwoods throughout the whole house, access to patio and deck where the new owners can unwind from a long day on Table Rock Lake.  This home is close to shopping, dining, entertainment and minutes from the lake.

This home is truly a jewel and is waiting for the new owners to make memories on Table Rock Lake.

Watch the tour of this Rustic Lake Home

Are you looking for a Real Estate Professional to help you through the process of buying or selling a home?

Call Sharol Nuckolls @ 417-593-2010 or follow me on twitter @Mammanuck, search for homes at TableRockRealtyGroup

Do you have real estate questions?  Let Table Rock Realty Group help you.

Author:  Sharol Nuckolls

Name(required)

Email(required)

Website

Comment(required)

Submit

Δ

Blog or not to Blog, that is the Question

Blogging Made Simple

The most important part of learning is “sharing” with others who have a passion or an interest that you do.  What makes Keller Williams special is as agents we come together to share “struggles, triumphs and stories” to help elevate our personal business and strive to offer our clients great services.

Today we had a technology class on the blog.  These are the Questions we answered- How, What,When, Why?

How?  Write about what you know & what others might want to know, use 300-500 word, pick 2 or 3 points to write on, have catchy title, use 5-10 key words, keep simple, use pictures and video, utilize back links, don’t copy, call to action & make sure to be the Author

What is the purpose?  To find clients that you can engage with, seen as an expert in your field and to build Google Juice for your website

Where? There are free options: wordpress.com, featuredblog.com, blogger.com or paid version: active rain.com and use additional sites like: Twitter, Linkedin, Facebook, Pinterest, Google+, business websites

Why? lots of reasons…give yourself original content, ranking your properties, drive readers to your website, create excitement about your business & properties, additional marketing for your clients.

For additional information on Blogging you can go a more detailed blog.

Why Blog? Or find the class on my YouTubeChannel

Blogging Part I

Where to Place a Blog

Video Do’s & Don’ts

What is in a Blog

The Four W’s

Technology Class Selfie

So don’t delay, pick up your computer and start your blogging….

Wikipedia’s Definition of a Blog

Are you looking for a real estate professional to help you sell or buy a home in the Branson area?  Table Rock Realty Group would love to serve you.  Call/Text  with any of your real estate questions at 417-593-2010 or

Search for homes on TableRockRealtyGroup.com 

Follow me on Facebook, Google+ or Twitter (Mammanuck)

Author:  Sharol Nuckolls

Name(required)

Email(required)

Website

Comment(required)

Submit

Δ

Branson area lake view Luxury property with room to roam

Branson area lake view home with lots of deck space for entertaining

Are you looking for space to roam the Ozark Mountains with the backdrop being Table Rock Lake? 

 Similar Table Rock Lake view homes with acreage.

This special home offers you privacy with prime location, within 15 minutes of Branson, MO.  When you drive up the long asphalt road you are surrounded by the Ozark Mountain Countryside, don’t be surprised to come up on wildlife such as turkey, deer & foxes.  The home sits on 49+/- acres with panoramic views of Table Rock Lake.

If you are looking for a park like setting, this is the home for you! 

This property has over 5,000 sq. ft. with 4 bedrooms & 6 bathrooms.

Storage for lake toys, bathroom, utility area, kitchen, dog run and HVAC

 

Friends & family will love to visit!

You can spend time on Table Rock Lake, come home & hunt, hike, four wheel or take to the expansive deck or patio & enjoy nature at it’s best.  One of the world’s best man caves is also on property, a 54’x54’ detached 3 car garage & workshop.  This garage has a ¾ bath, casual kitchen, man-cave seating area, HVAC, extra covered storage overhang, fish cleaning station, dog kennels and lots of room to store all your lake toys.  Calling all men who want it all!

The open concept will make it easy to entertain your guests! 

The great room is large and has a beautiful fireplace & mantle.  The formal dining area is surrounded by a wall of windows to enjoy Table Rock Lake by candlelight for dinner or spill out on the deck w/ a glass of wine.  Your friends can gather at the breakfast bar or nook informal dining area as you plan the meal.

Amazing to wake up to and go to bed w/ Table Rock Lake

Branson Table Rock Dining could not be better!

If your looking for a master suite with style & elegance with an amazing view, look no further.  Every morning the sun will give you a private showing over the lake through the wall of windows.  There is a sitting area w/ gas fireplace to lounge in after a long day on the lake.  The master bathroom has dual vanities, jetted tub and walk-in closet with built-in drawer. There are two additional large bedrooms on the main floor & with full bathrooms and walk-in closets.

There is an additional bedroom in the lower level & an entertainment mecca.  The family area has a pellet stove and game room for pool or ping pong.  Friends & family will gather after a long day fishing or shooting.  The lower level has a retro full kitchen with lots of flare and personality.  You also have a bonus room that is currently being used as a exercise room and an oversize utility room w/ sink, desk, & tons of storage.

Branson Home with Lower Level Full Kitchen

Table Rock Lake Home Entertainment Mecca

Branson area lake view home w/ acreage for sale

This home can be your haven here on Table Rock Lake, your options are endless and your dreams can become reality.

If your searching for a homes in the Branson area and need a Real Estate Professional to help you through the process, Call Sharol Nuckolls @ 417-593-2010 or search for Homes @ TableRockRealtyGroup.com or follow me on Facebook, YouTube, Pinterest, Instagram, Linkedin, Google+ & Twitter.

Sharol Nuckolls Welcome Video

Author:  Sharol Nuckolls

Name(required)

Email(required)

Website

Comment(required)

Submit

Δ