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Daily Journal Weekly Real Estate
Friday, April 1, 2022
PAGE R1 Friday, April 1, 2022
The Smartest Way To Make Your Move
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Friday, April 1, 2022
HOMEWISE
Real Estate Tips and Advice
Understanding Closing Costs
Buying a home is one of the most monumental moments in our lives. It is a time that requires incredible planning, budgeting and saving. However, one factor many forget to include in their spending is closing costs. Especially for first-time buyers, it is crucial to familiarize yourself with the extra expenses due before a deal is complete. Typical homebuyers should expect to pay between 2 and 5 percent of the home’s purchase cost in closing fees, according to the real estate experts at Zillow. Depending on the negotiated price of a property, this expense can be substantial. Don’t find yourself blindsided during the final agreement with fees for which you weren’t prepared. Establish a plan to cover closing costs once you realize the ins and outs of your responsibilities.
charged for and will continue to be your responsibility as a homeowner include property taxes and homeowner’s insurance. Nonrecurring costs: Onetime fees including home inspection charges, document preparation and appraisal WHAT DO CLOSING expenses. Keep in mind, these costs will include nearly every COSTS COVER? The final expenses due at the type of transaction performed close of your home-buying during the buying process. experience include lender and A reliable real estate agent is third-party fees. Typically, these a great teammate to help plan expenses cover both nonrecur- for what you should expect ring fees and the first installduring your unique buying ment of recurring fees. Here are experience. a few examples of each type, from the professionals at Trulia. WHO IS RESPONSIBLE Recurring costs: Ongoing FOR COSTS? payments you will be initially Most of the closing costs fall
REAL ESTATE 101 Change Happens
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under the responsibility of a buyer. However, the seller is usually expected to cover the expenses of each party’s real-estate agents involved in striking a deal. In many cases, a homebuyer can use the final fees as a negotiation strategy. If you plan to ask a seller to cover most of the cost, here are some tips to make the offer more attractive. Make a quick deal. It’s likely that a seller is contemplating several offers and oftentimes, money isn’t the only factor that matters. Especially if they are motivated to sell, a short 30-day close can be more enticing than deals with longer terms.
Don’t ask for too much. While you shouldn’t dismiss asking for alterations to a property, if you are overdemanding, a seller may not be apt to work with negotiating closing fees. Consider which repairs or changes are actually necessary before bringing them up.
NO CLOSING FEE DEALS
During your house-hunting search, you may find homes listed with offers with no closing fees attached. Unless a seller has already agreed to cover the expenses, remember, the costs don’t merely disappear. In most cases, these deals mean there are no fees
You may receive revised loan estimates during the process of having your loan application approved, indicating some of the loan costs have changed. Stay alert from communications from your lender about any changes, both by email and by postal mail. According to the Consumer Financial Protection Bureau, if you can’t tell what has changed or don’t understand something, ask questions of your loan officer right way, including the following: • Why did I receive a new loan estimate? • How is my loan different from what I was originally expecting? • How does this change my loan amount, interest rate, monthly payment, other loan features, and cash to close?
required at the time of closing. Typically, a lender will include the costs in the overall amount of your loan. You should expect higher-interest rates or an increased monthly payment. These agreements often take more than five years to recoup the cost of closing.
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CELL OFFICE
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#vickycrockerrealty
1136B N Desloge Dr. - Desloge
NEW
Potosi / $289,900
Very nice, 4 bedroom, 3 bath, brick home on large corner lot. Approximately 3500 square feet of living space to enjoy. The main level consists of a lovely kitchen with granite counter tops, lots of cabinets and stainless appliances. So much space to spend time with friends and family in the cozy living room, large dining room and adjoining family room both with beautiful wood floors. A large master bedroom with adjoining bath along with the 3 additional bedrooms on the main level is a rare find. The lower level has an enormous family room and comes complete with pool table and equipment. In additional an awesome game room, kitchen area (add your own appliances), bath, laundry and storage area. An attached garage and a detached garage is a dream come true. Summer fun awaits you with two patio areas and an above ground pool with deck. Home also has new roof and gutters! Don’t wait call today!!
REDUCED
22015267
Pilot Knob / $139,900
Adorable move in ready 2 bedroom home with one car attached garage. The large living room with beautiful hardwood floors is perfect for family or friends to gather. Both bedrooms have lovely hardwood floors and large closets. The kitchen has lots of counter tops and cabinets allowing for more than one cook in the kitchen. An additional large room currently being used as a breakfast room could be used for multiple purposes. The home has a covered, screened in back porch that you will want to sit down and smell the roses while you are there. A large fenced back yard is perfect for privacy, pets and a great entertainment area. This home is move in ready and won’t last long! List of Seller’s Many Upgrades Available! Call Today!!
CALL TODAY
22015101
22005989
Leadwood / $72,500
Bonne Terre / $319,900
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 call home? Call today!
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.
Needing to Buy or Sell?! Call Vicky Crocker Realty TODAY, and Let Us Do the Running For YOU!! www.facebook.com/vickycrockerrealty
PAGE R5 Friday, April 1, 2022
22017783
NEW
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573.747.8099 573.327.8300
Daily Journal Weekly Real Estate PAGE R6
Friday, April 1, 2022
HOMEWISE Plant Privacy Trees Real Estate Tips and Advice
By JOE SZYNKOWSKI | Green Shoot Media
that grows flowers which take on the shape of trumpets. They are typically available in colors of white, pink, red, purple and violet. • North Privet: This semi-evergreen shrub produces dense, glossy-green foliage. It typically grows up to 3 feet per year.
In-town dwellers tend to know a thing or two about lack of privacy. If a fence isn’t an option, consider planting a row of privacy trees. Not only will this add beautiful greenery to your property, but your yard will have a sound barrier and feel more your own. Of course, before actually planting your trees, you should always check with your city officials for information on their ordinances. Some cities may have certain restrictions on exactly where your trees may be planted, regarding power lines or city property. Once you have the go ahead, you can start planning your privacy line.
PLANTING
POPULAR TREES AND HEDGES FOR PRIVACY
A well-planted tree line can create a gorgeous backdrop for your backyard. According to the Arbor Day Foundation, the following trees and hedges are the most popular when it comes to privacy.
EVERGREENS
• American Arborvitae: This beautiful tree hedge can grow from 40 feet to 60 feet tall. You will want to keep up on trimming if there are power lines above. • Green Giant Arborvitae: Another tall hedge that can grow up to 60 feet tall. It is considered “fast growing” with
© ADOBE STOCK
© ADOBE STOCK
REAL ESTATE 101 Green = Green A 2009 study by Virginia Tech University found that landscaping is a great home investment over time, “since the growth and maturity of trees and shrubs enhance aesthetic appeal.” The study said buyers prefer landscaping with a sophisticated design including large deciduous, evergreen and annual color plants and colored hardscape. By averaging data from various other studies, the authors estimated that improving a home’s landscaping from average to excellent increases its value by 10 to 12 percent. its rate of about 3 feet per year. • Nigra Arborvitae: This species grows up to 30 feet tall and handles pruning well, making it easy to maintain a
neat appearance.
DECIDUOUS SHRUBS
Flowering trees make awesome property lines but can
leave you bare during colder temperatures. Here are a couple favorites from the foundation. • Rose of Sharon: A hedge
The experts at your local nursery will give you advice on the specifics on how planting individual trees will thrive in your climate. A good rule of thumb, per the Arbor Day Foundation, is to leave at least 12 to 24 inches of space between rows, measuring from the centers of the plants. This will be your best chance at preventing root crowding, which can cause severe damage to a growing tree.
TRAINING SHRUBS
General maintenance is required for your hedges to flourish but isn’t usually necessary until they are established — typically one to two seasons after planting. To train, the foundation says to trim the top and sides a few times per year, as needed. This will remove about half the length of new shoots. The shape of your hedges should be wider at the base to allow more sunlight in through the top.
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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, April 1, 2022
Home Loans
Daily Journal Weekly Real Estate Friday, April 1, 2022
PAGE R8
What an OppOrtunity!
Farmington
21004752
$397,000
Can’t beat the location here! Located in the Maple Valley area this 6,354 square foot building was built & used as a licensed daycare - large auditorium, full kitchen and a kitchenette as well as a laundry room and 7 bathrooms. There’s an office & lobby area with multiple rooms that are currently classrooms. Situated on just over an acre of land with lots of parking and conveniently located. Are you ready for your next business venture? Call TODAY!!
Wanda Sucharski 573.631.9494
Kim Hutson 573.760.9789 View ALL Listings...coldwellbankerhulsey.com #GuidingYouHome
32 East Liberty Street - Beautiful Downtown Farmington - 573.756.5711