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 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 Country Estate with room to roam!

Are you looking for a Branson area home nestled in the Ozark Country Side?

25 Hickory Tree Lane Listing Information

25 Hickory Tree Lane Video

Branson area Ozark Country Estate

This Country Estate has it all!

It has a great location, minutes from the lake, close to dining & shopping and a wonderful neighborhood with county maintained roads. The home sits on over two acres with mature trees including dogwoods throughout the property. The home was built in 2006 and just recently had a new septic system in 2014. There is a circular driveway and quaint front porch to sit on to wait for family & friends.

Branson area large great room with gas fireplace

Branson area home with formal dining & bay window

Branson area home with open floor plan

When you walk in the front door you will be greeted with an open and airy feel with a dining room with high ceilings, tile floors, architectural pillars and is open to the great room with a wall of windows to bring in the natural light and a gas burning fireplace. So snuggling up with a good book or watching a movie with surround sound are options!

Branson area nook dining experience

Branson area Gourmet Kitchen

The kitchen and additional dining nook are around the corner. The kitchen has beautiful custom maple cabinets, stunning black onyx granite countertops, Maytag appliances, double ovens, tile back splash, large pantry and an informal dining area with great views of the Ozark countryside. Entertaining family and friends will be a must, it can spill out onto the oversize deck to take in a sunset!

Branson area Master Suite with access to patio

Branson area spa like Master Bath

Master Retreat

The Master suite is over size with a spa like bathroom with jetted tub, shower, high-end vanity and oversize walk-in closet with access to deck. After a long day on the lake, the master retreat will be waiting. The main level also has ab additional bedroom/office on main floor and a large utility room with storage.

Branson area kitchenette with maple cabinets

Branson area lower level family room

Entertaining Mecca!

Entertaining may spill over to the lower level where there is an additional kitchenette with spectacular hickory cabinets. Bring your pool table the lower level family room is large and has a quaint wood burning stove, there are french doors to the patio and fenced backyard. There is tons of land to put in a garden and don’t be surprised to see deer, turkey and other Ozark wildlife. If storage is important this house is loaded with two large storage closets in the lower level. There are two additional bedrooms, one is a master suite with en-suite bathroom and the other is currently being used as a hobby room. The lower level also has a large workshop with lots of light, houses all the hvac, on-demand tank-less water heater and additional bathroom.

Branson area home deck with Ozark Countryside views

Branson area lower level workshop

Branson area large lot loaded with dogwoods

If you are looking for entertainment options, you are minutes from Cape Fair Marina, and Silver Dollar City, Branson Entertainment, The Landing for shopping and dining are within 20 minutes!

This Country Estate has it all and it can be yours!

Call Sharol Nuckolls @ 417-593-2010

or search TableRockRealtyGroup.com for this home or others here in the Branson MO area,

find us on FB, Twitter (MammaNuck), Pinterest, You Tube!

If you are looking for a real estate professional in the Branson area, let us help you!

Author:  Sharol Nuckolls

Branson area lake view 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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