Parkland
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T he Smartest Way To Make Your Move I am a
Client Driven Realtor dedicated to achieving results and providing exceptional service. If you are in the market to buy or sell a home, I’m a
multi-million dollar top producer, I’ve helped hundreds of families reach their real estate goals. Call Today to schedule a complimentary market analysis.
e I’ll do th you! for running
1136B N Desloge Dr. Desloge OFFICE
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welcome home Find your dream home inside or online at
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A Weekly Section From: #vickycrockerrealty
HOMES
Daily Journal Weekly Real Estate
Friday, April 15, 2022
Daily Journal Weekly Real Estate PAGE R2
Friday, April 15, 2022
HOMEWISE
Real Estate Tips and Advice
First-Time Buyer Grants
By JOE SZYNKOWSKI | Green Shoot Media
Making the purchase as a first-time homeowner is a goal for many Americans. It can be easy to get lost in the process and simply rush in. If you are in the market for your first home, you should know about federal funds that can assist you in landing the house of your dreams while saving a significant amount of money. An important part of buying a home is being preapproved for a loan. This step gives you an idea of how much property you can afford and gain perspective of what your payments might be. During this time, ask your lenders about these incredible programs you might qualify for.
FHA LOAN
This is a specialized loan that is insured by the Federal Housing Administration, an agency within the United States Department of Housing and Urban Development (HUD). The big benefits you can expect are competitive interest rates, low down payments and less due at closing. According to the FHA, prime candidates will have a credit score of 580 or higher. However, with a lower score, a loan might still be obtained with a larger down payment required.
GOOD NEIGHBOR NEXT DOOR
Sponsored by HUD, the Good Neighbor Next Door program offers housing assistance for law-enforcement officers, firefighters, and pre-K through 12th-grade teachers. Take a look at the easy-to-use search engine
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on the program’s website to search for potential properties in your area. Qualifying buyers can save up to 50 percent on a home’s listed price in certain regions. The catch is you must commit to living in the home for at least 36 months.
USDA LOAN
For those who live in rural areas, you might qualify for a loan through the United States Department of Agriculture. The loan offers buyers
low-interest, fixed-rate homeownership through the departments Rural Development program. Some people think this loan only focuses on those purchasing or operating a farm, but that’s not the case. It focuses on homes in rural areas. Since the USDA guarantees the home loan, there will typically be no down payment required. If applicants have a credit score of 640 or higher, being approved for a loan is usually a quick process.
Those with scores below that threshold might be required to wait longer and provide more in-depth paperwork regarding their credit histories.
LOCAL PROGRAMS
Not all first-time homebuyer loans are sponsored by the federal government. Check with your state or community organizations for more information on housing grants available close to home.
1168 Adams Rd • Bonne Terre
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.
Daily Journal Weekly Real Estate
Property of the Week....
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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The dailyjournalonline.com/homes advanTages: • Enhanced mobile friendly site • Automatic feed from Maris Matrix
• Fast high performance searches • Large photo galleries
Find your dream home on dailyjournalonline.com/homes
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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22005989
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Daily Journal Weekly Real Estate
CELL OFFICE
e I’ll do th you! for running
#vickycrockerrealty
1136B N Desloge Dr. - Desloge
To Make Your Move Broker-Owner
Vicky Crocker 573-747-8099
Thinking of selling your home? Don’t make a move before you call us for a free comparable market analysis.
Broker-Salesperson
Amanda Lewis 573-915-2462
Agent
Jeff & Shari Swart 573-330-4978 www.facebook.com/vickycrockerrealty
Agent
Abe AuBuchon 573-631-0136
Agent
Holly Miller 573- 747-7928
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T he Smartest Way
Call or visit us online today to start your search!
Experienced agents, personalized service, market expertise and user-friendly online search tools to help you find the perfect property.
Daily Journal Weekly Real Estate
573.747.8099 573.327.8300
Daily Journal Weekly Real Estate PAGE R6
Friday, April 15, 2022
HOMEWISE Repairs That Can’t Wait Real Estate Tips and Advice
from a wall outlet, your first step should be to check your breaker. Your breaker box should contain labels for which switches control which rooms. If your circuit switch is showing that it is on, it might be time to call an electrician. When an outlet is expired, it requires a replacement. While it is not a difficult job for a professional, it can be dangerous and stressful for someone unfamiliar with the workings of electricity. An outlet that shows any blackening around the plug or begins to spark should be immediately turned off at the breaker until an electrician deems it safe to use. This is a serious fire hazard.
By JOE SZYNKOWSKI | Green Shoot Media
Owning a home means you are responsible for all repairs. Some issues will be unavoidable, such as damage from storms or an appliance suddenly failing. No matter what happens, you’re on the hook, and some repairs simply can’t be ignored. A slow leak from a pipe or damaged roof shingles may not seem like they require immediate attention, but if left unresolved, these nuances can cost you big bucks down the road. You can easily complete some home repairs with a little research and elbow grease, but others should be left to the professionals. If you decide to do the repairs yourself, be sure to take great caution when dealing with electrical wires or water issues. These common problems in homes can lead to more serious problems and may even cause serious injury or death. If you have not been properly trained to safely address an issue, consider calling a local service provider.
WATER UNDER THE SINK? Pipes leak. Luckily, these leaks typically start slow, allowing us time to resolve it before more serious damage can occur. If you see water under your sink or on the
MINDING YOUR ROOF
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floor, it is time to call a plumber or find the leak. Even an intermittent leak can cause serious damage to the integrity to your home’s floor. Allowing a leak to continue will ultimately cause the
floor’s wood to begin rotting. This creates hazards including weak structures and can be inviting to mold and termites. It is important to invest in a plumber before your wood requires a complete
renovation.
ELECTRICAL ISSUES Outlet failure is a common occurrence in older homes. If you notice an electronic device is not receiving power
Damaged or old shingles pose a serious risk of water leaking into your home. Not only can this cause damage to your interior belongings, it can create expensive repairs to the wood above you. Allowing water to meet your attic’s insulation also poses serious health risks. Insulation will absorb the water and spread it through a wide area, allowing mold and mildew to quickly form. Replacing a roof is a serious investment, but a new on will typically last 20 to 25 years.
Daily Journal Weekly Real Estate
Local Lenders. Local Decisions.
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
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Home Loans
Friday, April 15, 2022
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Daily Journal Weekly Real Estate