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 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/

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 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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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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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

Welcome Video

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Author: Sharol Nuckolls