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

Are you ready?

Do you know how it will affect you?

Which house would you prefer?

THIS

 

OR THIS?

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

Consider this……

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

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

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

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

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

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

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

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

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

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

Get Yourself A Buyer’s Advocate

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

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

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

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

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

 

Author: Sharol Nuckolls, REALTOR©

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

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

 

 

 

 

Branson Luxury Condo with magnificent views of Table Rock Lake

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

Similar Branson MO Luxury Condo’s available

Branson area condo with spectacular views

Table Rock Lake Luxury Condo with amazing sunsets

 

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

Table Rock Lake condo’s sunroom for after hours relaxing

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

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

Branson area condo Master suite w/ dual closets

Table Rock Lake luxury condo with style

 

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

Table Rock Lake condo ready for entertaining

Branson area condo spectacular kitchen

Branson area luxury condo with island

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

Table Rock Lake at the foot of the condo

 

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

Majestic Condominium Luxury at it’s finest!

Branson area luxury condo with amazing location

Author:  Sharol Nuckolls

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

Branson area 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 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 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

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Author: Sharol Nuckolls