Parkland Homes - May 13, 2022

HOMES

PAGE R1  Friday, May 13, 2022

i’ll do tHe Running foR you!

vicky crocker realty

welcome home Find your dream home inside or online at

573.327.8300 1136 North Desloge Dr. | Desloge MO

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Daily Journal Weekly Real Estate

Friday, May 13, 2022

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Friday, May 13, 2022

HOMEWISE Adding a Storm Shelter Real Estate Tips and Advice

One factor homeowners consider as they view a potential property is emergency management.

Adding a storm shelter to your existing home not only adds value, it gives buyers peace of mind that they have a safe place to wait out severe weather or other dangerous situations.

Before going to market, analyze your property’s ability to offer protection.

If your home lacks a basement or spacious crawl space, you can consider installing an exterior storm shelter.

Of course, this process is best left to professionals as it will require extensive excavating and planning.

Whether you are considering this addition for your forever home or aiming to spruce up your space before putting it up for sale, there are several options to consider.

panic rooms in case of danger on the property.

With all the great things to say about above-ground shelters, there are a few negative aspects to consider. The biggest downside is if you are short on room inside, they can seriously reduce your square footage.

However, with the right planning and assistance from shelter experts, this addition can be a welcome advantage to those viewing a home, or to a family that takes their safety seriously.

IN-GROUND SHELTERS

SHELTER TYPES

If you live in an area that experiences severe weather, you are likely familiar with in-ground shelters. Did you know there is an aboveground option that offers just as much protection?

There are advantages and disadvantages to each, so consider which one works best for your property and space.

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ABOVE-GROUND SHELTERS

much less labor intensive than its in-ground counterpart and For those who live in cities or can be set up in nearly any properties with little outdoor room. space, an interior safe room is Many families choose to set a great asset to entice buyers them up in closets, garages or with a unique safety feature. even a pantry. For those with Installation of this option is handicaps or who have trouble

walking, an above-ground shelter is your best bet.

Check with your sales team to ensure the unit is constructed of heavy-duty steel and can lock from the inside. They are not only perfect for a storm shelter but also efficient as

When you are in an area with a tornado season, you have heard your local weather service advise you to seek shelter in a basement as the storm approaches. If adding this underground safe spot isn’t an option, an in-ground shelter can be just as effective.

According to the experts at Home Advisor, the 2018 national average storm shelter cost was $5,681. While it might be a hit to many budgets, the safety advantages are priceless.

When deciding where to place an in-ground shelter, make sure it’s close to your home. This can help you get to safety sooner and avoid entering stormy conditions as you rush you to your shelter. If you have an attached garage, ask your service specialist about installing the unit in this space.

703 Poplar St • Desloge

Great income producing property, reasonably priced.

If you are looking to add to your investment portfolio or start one, take a look at this duplex. The units are 2 bedroom, 1 bath with laundry hook up. Currently landlord only pays water, sewer, trash, insurance and taxes. Tenant pays electric and takes care of the lawn.

Located in great neighborhood. Call today.!

Daily Journal Weekly Real Estate

Property of the Week....

New ListiNg

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Needing to sell call Vicky Crocker Realty TODAY!!!

e I’ll do th you! for running

OFFICE

CELL

573.747.8099 573.327.8300

1136B N Desloge Dr. - Desloge

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In accordance with the federal Fair Housing Act,we do not accept for publication any real estate listing that indicates any preference, limitation, ordiscrimination based on race, color, religion, sex, disability, family status, or national origin. If you believe a published listing states such a preference, limitation, or discrimination, please notify this publication at fairhousing@lee.net.

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PAGE R3  Friday, May 13, 2022

$149,900

22027778

Daily Journal Weekly Real Estate PAGE R4 

Friday, May 13, 2022

HOMEWISE Increase Your Buying Power Real Estate Tips and Advice

REPAIR A CREDIT SCORE

You should make sure you are in good standing to receive a loan before visiting with lenders. They are quick to shy away from borrowers who have a history of negligent payments or an excessive amount of credit.

Take the time to analyze and improve your financial situation to receive optimal buying power when you do visit an institution.

You should also go in with a budget in mind. According to property data firm ATTOM Data Solutions, the first half of 2018 saw 362,275 United States properties with foreclosure filings.

Avoid this by only viewing homes that you can reasonably afford. To get the most out of your loan, remember these tips to enhance your buying power and find your forever home.

REAL ESTATE 101

DOWN PAYMENT

Mortgage 101

A lender will take your application more seriously when you have a substantial down payment to put down on a purchase. This shows them you are committed to investing in a property and can save a large sum toward your obligations.

So, how much should you save before applying for a mortgage? According to the Lenders Network, the days of presenting at least 20 percent of a home’s cost are gone. In

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What are the benefits and drawbacks of short- and long-term mortgages? How can you compare interest rate options? What is an ARM? Might you qualify for special government loan programs?

There is a lot to work out when you’re getting a mortgage. The Consumer Financial Protection Bureau breaks it all down for buyers on their website at https://bit.ly/2EkxVfR. fact, in 2016, the average down payment in the United States was just six percent.

This can still be a large chunk of money depending on how expensive the property lists for.

If a down payment is what’s holding you back from mak-

ing a purchase, you may also qualify for specialty programs like Private Mortgage Insurance, which allows you to qualify for a loan that you might not otherwise be able to get. Some experts recommend against PMI because it will likely increase the size of

your monthly mortgage payment and only offers protection to the lender.

That said, a smart payoff plan can keep you on track to getting the benefits out of PMI. Talk with your local mortgage specialist for your best options.

Your credit report is a tool used by lenders to judge the risks in loaning money. Take the time to obtain a copy and check it for accuracy before applying for a mortgage.

Negative scores may not completely dismiss you getting the loan, but it can introduce special circumstances like a higher interest rate.

If you feel there are errors on your credit report, there is an avenue you can take to correct it. Under the Federal Trade Commission’s Fair Credit Reporting Act, both the credit-reporting company and information provider are responsible for correcting inaccurate or incomplete information.

Simply send a certified letter to document the transaction explaining why you dispute the information and ask that it is removed or corrected. Contesters will usually hear back within 30 days. The FTC also allows citizens a free copy of your credit report once every 12 months.

RESOLVE LONG-TERM DEBTS

Another factor lenders research is the time period of your outstanding debts. Take time to pay down the loans or credit cards you have had open the longest, before applying for a loan.

CELL OFFICE

e I’ll do th you! for running

#vickycrockerrealty

1136B N Desloge Dr. - Desloge

Park Hills / $74,800

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Unique 1664 square feet building in high traffic area. Most recently this was used as a 4 bedroom, 1 bath rental. The property was previously used for retail and also as a day care. The property sits on .26 acres with off street parking and has an attached storage shed. The interior is move in ready with nice flooring and nicely painted walls. This property provides for multiple uses and is priced to sell.

Daily Journal Weekly Real Estate

573.747.8099 573.327.8300

Leadwood / $72,500 2 story, 3 bedroom home in West County R4 school district. The home has a very spacious living room and large eat in kitchen giving lots of space for family and friends to gather. You will enjoy the old world charm of the home’s woodwork. Additional features of the home include a main floor laundry, large covered front porch and decks. Looking for a place to

22015101

call home? Call today!

Bonne Terre / $309,900 Don’t hesitate to call - the near perfect condition and great location of this home is very rare in today’s market. Enjoy peace and quiet on a park like setting. Step into the entry and you will notice the beautiful hardwood floors entering into the main living space, which includes a wood burning fireplace. Throughout the home you will find many updates. Bathrooms have been updated, kitchen includes quartz countertops and porcelain tile floor, newer furnace, water heater and roof! There is plenty of room with oversized bedrooms, including master en-suite and an oversized garage. Step out onto the large maintenance free composite deck and you will find the manicured lawn and landscaping just as neat as the inside of this home. The 12x16 shed with a 10x16 lean to is perfect for a hobby workshop.

The full walk out basement with tuck under garage expand your possibilities. You will find it difficult to find another home that compares to this one. Call today for your personal showing.

22005989

Needing to Buy or Sell?! Call Vicky Crocker Realty TODAY, and Let Us Do the Running For YOU!! www.facebook.com/vickycrockerrealty

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Friday, May 13, 2022

HOMEWISE Keep Cool, Save Money Real Estate Tips and Advice

The heat of summer means increased energy bills. But if you follow these simple, inexpensive tips from the Department of Energy, you’ll ensure you stay cool and save money throughout the season.

that keeps them running longer than necessary. Also, make sure furniture and other objects are not blocking airflow through your registers.

MORE ENERGYEFFICIENT COOLING TIPS

USE YOU WINDOWS

Natural ventilation is one of the most of effective ways to stay cool and save on energy at night. Turn off your AC at night and open the windows while you sleep. Shut them and lower the blinds during the day to keep cool air inside. Window coverings can also prevent heat gain and improve energy efficiency.

THERMOSTAT STRATEGIES

Set your thermostat as high as comfortably possible when you’re home to lower your cooling bill. When you’re away, keep your house warmer than normal and lower the setting when you return for maximum saving. Remember: A colder setting than normal when you turn on the air will not cool your home any faster and may result in unnecessary expense.

FANS AND VENTILATION

Fans help circulate air and can keep you cooler at a higher thermostat setting.

Remember to turn them off

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REAL ESTATE 101 High-Efficiency Heating & Cooling The living space in Energy Star-certified homes and apartments are served by ventilation systems that continuously exchange indoor air with outdoor air to reduce the indoor air pollutants in your home. Systems are also installed in bathrooms and kitchens to more rapidly remove moisture and cooking contaminants that can be harmful to occupant health and to the durability of your home.

Learn more about energy efficiency at the Department of Energy’s website at https://bit.ly/2blB97G.

when you leave; fans cool people, not rooms. Bathroom fans can remove heat and humidity when you shower or bathe. Laundry rooms and kitchens also benefit from

ventilation to the outside.

KEEP YOUR COOLING SYSTEM RUNNING EFFICIENTLY

A cooling system checkup

as summer begins can help keep your equipment running in top shape. Avoid placing lamps or electronics near thermostats. Thermostats sense heat from appliances

• Avoid using the oven on hot days. Cook on the stove, use a microwave or an outdoor grill.

• Install efficient lighting.

Incandescent lights produce more heat than light.

• Take advantage of daylight instead of artificial lighting, but avoid direct sunlight.

• Wash only full loads of dishes and clothes. Consider air drying both dishes and clothing.

• Take short showers instead of baths.

• Minimize activities that generate a lot of heat, such as running a computer, burning open flames, running a dishwasher, and using hot devices such as curling irons or hair dryers.

• Seal cracks and openings to prevent warm air from leaking into your home.

• Add caulk or weatherstripping to seal air leaks around leaky doors and windows.

• Turn down the temperature of your water heater to the warm setting (120°F).

You’ll not only save energy, you’ll avoid scalding your hands.

Daily Journal Weekly Real Estate

Local Lenders.

Local Decisions.

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Whether you’re just starting out or building your dream home – we have a financing solution. Not to mention, our experienced lending team is ready to partner with you to help make the process quick and easy.

• Variety of loan programs for qualified buyers • Competitive rates and closing costs • Local decisions made by local lenders • Permanent Fixed-Rate financing

Bank NMLS# 412605 | Member FDIC | www.fscb.com

Contact a member of our lending team today!

Ruth Adams Bonne Terre NMLS #1906657 (573) 358-3388

Melinda Rae Desloge NMLS #1752366 (573) 431-9400

Brittany Jannin Farmington NMLS #2241964 (573) 705-3592

Adam Griffith Farmington NMLS #2241963 (573) 705-3394

Devan Skaggs Bonne Terre NMLS #467084 (573) 534-0236

Andrew Huhman Farmington NMLS #1559335 (573) 705-3322

Taylor Miller Farmington NMLS #1453285 (573) 454-3052

Austin Fridley Park Hills NMLS #1749341 (573) 454-3086

PAGE R7  Friday, May 13, 2022

Home Loans

~FUN FACT~

– Former high school teacher to thousands (yes thousands) of Farmington students AND has been a Real Estate agent for almost 35 years!! She is a MASTER Gardner & has “installed” thousands (yes thousands) of plants – and maybe lost a few . . .

Give her a call at 573.760.6042 if you are in the market to buy or sell!

Friday, May 13, 2022

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PAGE R8

Daily Journal Weekly Real Estate

Meet our Team...

Alma Lorch

~FUN FACT~

– Mary is the youngest of six children. She met her husband Glen at YMCA of the Ozarks where they were both working. She graduated from Bishop DeBourg High School in St. Louis & also attended Southeast MO University.

She would love to help you find your dream home!!

Call her at 573.701.1690

Mary Hagan