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 Tuscan inspired Estate steps from Table Rock Lake

Would you like to live in a Tuscan inspired Estate steps from waters edge on Table Rock Lake?

Branson area Tuscan Estate Table Rock Lake Front

Table Rock Lake Luxury Home

Branson area luxury homes sunrise

Link to similar luxury properties on Table Rock Lake?

This Branson area luxury home is truly a spectacular lake property with all the amenities of a 5 star resort, nestled in the beautiful Ozark Countryside. 

Branson area Luxury home with Ozark Country side surrounding it

As you drive up to the home you will be met by stately trees which offer privacy, but opens up to a clearing where a volleyball, soccer game or croquet match could be played with all your guests.  A short walk or golf cart ride away is the dock so heading out to fish, water ski or dive is convenient and mandatory!  When you walk up to the luxury property you see quality construction, from the stunning brick & stone exterior, professionally landscaped yard with sprinklers system, three car garage and stunning entry with custom doors.

Branson area luxury property with custom entry

Opening the front door brings you into a stunning entry with a three story spiral stair case and soaring ceilings with a 10x 20 Kalwall skylight that diffuses lighting & transfers zero heat.

Table Rock Lake Luxury home with amazing views

There is a wall of windows in front of you that draw you to the wonderful Ozark Countryside, Table Rock Lake and don’t be surprised to see wildlife, such as; deer, turkey, fox, blue heron, bald eagles & much more.  Just imagine dining with friends and sharing this experience with them.

Branson area luxury homes galley butler’s pantry

Table Rock Lake Luxury home with spectacular Chef’s Kitchen

Calling all Chefs this Branson area gourmet kitchen will warm your heart! 

Attention to detail is at every turn, from the  ceiling, rustic stone surrounding gas stove, stunning dark custom cabinets, ample work space, high-end stainless steel appliances, breakfast bar,  a wonderful galley butler pantry with open shelving, built-ins, copper sink, wine refrigerator, ice maker, desk to plan menus and so much more!  Whether barbecue or black-tie all cooks will be inspired.

Table Rock Lake home with jetted tub

Table Rock Luxury home with built-in dressers

Branson area Spectacular Master Retreat

The master retreat is on the east wing and has a private study to read a great book over dinner or facilitate business deals after a long day on the lake.   The bedroom is a haven from a busy day with beautiful tray ceilings, sitting area with gas fireplace and french doors that give you access to the deck & the Ozark Country side.  The en-suite bath will make any women smile; with an amazing soaker tub with grand columns and lighting to set the mood, custom cabinetry with granite counter tops and take the time and meander out onto the private deck where the hot tub awaits for late night relaxing.  Whether Prada or flip flops this master walk-in closet will amaze you!  The closet has great lighting, custom built ins, loaded with storage, bench seating and a washer and dryer for convenience.

Table Rock Lake home with custom bar

The lower level is Luxury blended with Man Cave! 

A wonderful custom bar, wine cellar, family area with fireplace, access to patio, game area with pool table and an extraordinary theater room.  So after a long day on the lake get the popcorn and drinks and relax with family and friends.

Table Rock Lake homes conservatory & library ready for winding down

Branson area home with over-size bedrooms

Table Rock Lake Luxury at it’s best

Branson area luxury home that will offer your guest a 5 star experience!

When guests are ready to retire, the upper level has 5 luxurious guest bedrooms with en-suites or jack-n-jill baths that rival a 5 star hotel. If reading a book is on the agenda the library is also on this floor with custom book cases, so curling up with a good novel is an option or head to the conservatory to talk about the lake activities of the day and pick up a cup of coffee from the coffee bar or cold beverage from the refrigerator.  Make sure to take in the view from the wall of windows as the sun sets over Table Rock Lake, it might just inspire a novel to be written! There is an additional laundry room for your guests.

Table Rock Lake homes ready for guests

Branson area homes deck area

Living on a lake is all about outdoor activities and this home truly has it all!  Walk out onto the back deck and you will be met with a stunning stone fireplace to roast marshmallows, an outside kitchen area, bathroom, screened in porch and an amazing infinity-edge pool and hot tub that will be a hit for all your guests.

Quality construction is at every turn with 10 foot ceilings, over 11,500 sq ft finished, three story elevator, custom cabinetry & granite throughout, 4 fireplaces, multiple dishwashers, alarm system, whole house music system, speaker & intercom, central vacuum, 5 high-efficiency HVAC system, generator and so much more.

Branson area lake front home with privacy

If you are looking for a luxury home that truly has it all- THIS IS YOURS!

Bring your lake toys and start making memories with family and friends!

 

Author: Sharol Nuckolls

If you have any questions about this spectacular Branson area lake front Tuscan inspired property or any other property on Table Rock Lake, Call Sharol Nuckolls @ 417-593-2010 or search my website @ Table Rock Realty Group. com or follow me on Facebook or find me on Pinterest, Twitter, Instagram, & Google+ Or Call The Best Team @  417-300-5437 or search their website @  YouDeserveBest.com or follow them on Facebook, or find them on Pinterest, Twitter, Instagram  Or Google+

 

Branson area Luxury Home on a cliff overlooking the Kings River as it enters Table Rock Lake

Table Rock Lake area home: would you like to live on top of Table Rock Lake?

Additional Luxury Properties on Table Rock Lake

Table Rock Lake Luxury home with Breathtaking views of the mouth of the Kings River

Are you looking for similar luxury homes on Table Rock Lake, follow the link: This custom home has stunning views of the Kings River where it flows into Table Rock Lake and the Ozark country side surrounding you. Truly unobstructed, breath taking and it could be yours!

Table Rock Luxury Lake Home with stunning Ozark views

Would you like to live on top of Table Rock Lake?

This custom home has stunning views of the Kings River where it flows into Table Rock Lake and the Ozark country side surrounding you. Truly unobstructed, breath taking and it could be yours! This custom luxury home has quality construction from top to bottom. The exterior has brick and hardy plank,a sprinkler system, whole house generator, a three car attached garage plus one car detached for workshop or lake toys. This home is truly low maintenance so the new owner can spend time fishing and boating on the Kings River and Table Rock Lake.

Branson area lake view homes for sale with Sunset from lake home deck time

The interior has stunning craftsmanship from the gourmet kitchen that would make any chef smile!

Loaded with custom cabinets, granite counter tops, energy efficient appliances, double oven a breakfast bar and open to the great room and dining to make entertaining friends and family easy. The great room has trayed ceiling, a gas fireplace and access to one of two decks that span the back of the property to take in the stunning views of sunset.

Branson area luxury lake homes with a Gourmet Kitchen and decorator touches

Branson area lake homes with Great Room having access to deck

The master is oversize with tray ceiling, access to deck, walk-in closet, and en-suite master bathroom. There is add bedroom, bath and half, utility room and office on main level. The lower level is a Mecca for a Man Cave, open area with a theater, pool table, darts, table top shuffle board, bar for after lake entertainment. There is also an additional bedroom, bath and oversize hobby room with pull down bed for the unexpected guests, and loads of unfinished storage.

Table Rock Lake homes with a bar area to celebrate with friends and family

Branson area luxury homes that’s ready for game night?

Branson area lake homes- Watch a movie after a long day on the boating

Making memories fishing and boating will definitely be in your future, if you buy this lake property.  The owners have a slip for additional dollars less than a mile away!

Table Rock Lake homes with boating as an option

Making memories fishing and boating will definitely be in your future, if you buy this lake property Author: Sharol Nuckolls

Author: Sharol Nuckolls Call Sharol Nuckolls @ 417-593-2010 or find me on Facebook or Pinterest @ Table Rock Realty Group, follow me on Twitter   or on Instagram @ Mamanuck, Google+ or search for homes @ http://www.tablerockrealtygroup.com/

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

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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Branson area Resort Style living Table Rock Lake Front Condominium

Branson area condo with Great location w/ wonderful amenities

Have you always  dreamed of resort living lakefront, but you are on a budget?

Opportunity awaits you in this Ozark Mountain condominium it is steps from the lake and surrounded by trees. The condo is beautifully decorated, with all furnishings staying with the new owners.  The bedrooms are spacious and have views of Table Rock Lake. The master bedroom has an en-suite bath and newer carpet throughout the house.  The condo has an open floor plan and the kitchen has a  breakfast bar and newer appliances, hardwoods and decorator colors throughout.

Table Rock Lake views from the Master Bedroom

Branson area condo with breakfast bar

Open floor plan with decorator furnishings

The Branson area condo’s amenities will amazing you!

They  include: two pools and hot tub, kayaks, beach area for fishing and swimming, tennis, multiple covered picnic areas with grills, boat launch, green space, , clubhouse, shuffle board, exercise room, nature trails, archery, miniature golf, ping pong and that’s just getting you started.  Your friends and family will be lining up to come visit you.  Lake living at it’s finest, with no worries.  It is 20 minutes to Branson shopping, dining, entertainment.  Shop to you drop has a different meaning here; Branson Landing, Tanger Outlet Mall, Main Street in Branson with all it’s eclectic shops and the Hwy 76 Strip, Lots of options.  This condo has it all and it could be yours!

Kayaks & Paddle Boats

Family & friends gathering areas

Two pools available on property

Lots of options, from nature trails, exercise room, archery and much more

Making memories with Family and Friends is what this condominium offers, all you need is your lake toys, swim suit and flip flops!  Resort living on a budget, it just doesn’t get any better than this.

If you are looking for a real estate professional in the Branson area, to help you through the process of buying or selling a home/condo.

Call Sharol Nuckolls @ 417-593-2010 for more information or find me on Facebook or Twitter (mammanuck), Google+, Pinterest or search for homes @ TableRockRealtlyGroup.com

Author:  Sharol Nuckolls

 

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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

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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

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