Using at least 75 percent less energy and lasting 25 times longer than incandescent lighting, residential LEDs, especially ENERGY STARrated products, can help you significantly reduce the cost of lighting your home. And this is truer than ever, as the price of this technology has declined and the uses for it have expanded. Even LED decorative holiday lighting can be purchased these days, giving consumers more opportunities to light their homes and lives efficiently. Community Efforts Community efforts are helping to make sweeping change and brighten lives. For example, the Environmental Protection Agency’s “Change the World Tour,” is a national program designed to motivate consumers to purchase ENERGY STAR-certified LED bulbs that bring energyefficient lighting to communities in need. Leading the charge are forwardthinking companies, such as ProVia,
Real estate y l k Wee
With these kinds of efforts taking place nationwide, LED adoption in local communities is expected to continue to rise. To learn more about the campaign, visit provia. com/change. Take the Time Swapping out traditional bulbs for energy-efficient alternatives is a simple home project that requires no special skills or tools, just a commitment to lowering one’s carbon footprint. Take an afternoon to make this simple swap that promises to have a long-lasting and major impact. Actions taken by individuals may feel small, but on a collective scale, greening your home means greening your community and the larger world.
The area’s key source to buy and sell your home. dailyjournalonline.com/real-estate
PAGE A1 Friday, February 10, 2017
Add it Up
a manufacturer of home renovation products, including energy-efficient entry doors, replacement windows, vinyl siding and manufactured stone. They have partnered with Thompson Creek Window and Fairfax County Public Schools to teach students the importance of changing to ENERGY STAR-certified LED light bulbs. ProVia is also donating LED light bulbs to Habitat for Humanity and encouraging their employees to get on board personally by making a commitment to purchase ENERGY STAR-certified LED light bulbs.
It may seem like a small detail, but the way you light your home can have a big impact on the environment and your energy bills. Indeed, widespread use of light-emitting diode (LED) lighting has the greatest potential impact on energy savings in the United States, according to government findings.
February 10, 2017
Daily Journal Weekly Real Estate
Why Switching to LED Bulbs Makes a Difference
Daily Journal Weekly Real Estate Friday, February 10, 2017 ď Ž PAGE A2
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Farmington
$235,900
16065420
Charming 3 bedroom 2 bath home nestled on 3 wooded acres just outside of Farmington! Spacious floor plan with vaulted ceilings, beautiful kitchen with breakfast bar and all the appliances. Home offers a split bedroom floor plan with the master bedroom having a nice walk in closet and master bath with double bowl sinks, jetted tub and separate shower. Full unfinished basement.
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Kim Hutson
Hulsey Real Estate
573-760-9789
32 East Liberty Street - Beautiful Downtown Farmington - 573-756-5711
16.75 ACres m/l
$89,900
16081642
$1,058,000
9520669
GOrGeOus
$349,900
17005596
COmmerCiAl
$349,900
16035129
Farmington
Farmington
Farmington
Desloge
Call Kim Hutson 573-760-9789
Call Mary Gilliam 573-760-6480
Call Richard Deason 573-760-9956
Call Vanessa Trokey 573-330-6261
New priCe!
upDATeD!
COmmerCiAl
Daily Journal Weekly Real Estate
COZY
$184,900
16053339
$112,900
16076880
$66,900
14057039
Farmington
Farmington
Farmington
Farmington
Call Mary Gilliam 573-760-6480
Call Candace Glore 573-366-8739
Call David Werner 314-402-0176
Call Ronda Barks 573-631-1663
New priCe!
New priCe!
$470,000
15014264
84 ACres m/l
$30,900
16071403
$129,900
16077302
$2,062,200
13057169
Farmington
Bonne Terre
Farmington
Bonne Terre
Call Tom Stanfield 573-760-6000
Call Vanessa Trokey 573-330-6261
Call Wanda Sucharski 573-631-9494
Call Mary Gilliam 573-760-6480
COmmerCiAl
lArGe YArD!
10.90 ACres m/l
120 ACres m/l
$128,500
16077646
$69,900
15059449
$199,900
16034183
$350,000
16067938
Farmington
Farmington
Farmington
Bismarck
Call Kim Hutson 573-760-9789
Call Kim Hutson 573-760-9789
Call Mary Gilliam 573-760-6480
Call Vanessa Trokey 573-330-6261
spriNG BrOOk pArk
COmmerCiAl
CONDO
13 ACres m/l
$249,900
16078453
$100,000
16051682
$79,900
17003695
$489,000
16048460
Farmington
Farmington
Desloge
Farmington
Call David Werner 314-402-0176
Call Candace Glore 573-366-8739
Call Wanda Sucharski 573-631-9494
Call Mary Gilliam 573-760-6480
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32 East Liberty Street - Beautiful Downtown Farmington - 573-756-5711
PAGE A3 Friday, February 10, 2017
$527,800
13050466
PAGE A4 Daily Journal Weekly Real Estate
Friday, February 10, 2017
Alarming Survey Shows People’s Poor Home Maintenance Habits
(StatePoint) Proper home maintenance can preserve your home, while saving you money and headaches in the future. However, a new survey from Erie Insurance conducted by Harris Poll reveals Americans have alarmingly poor upkeep habits.
“By overlooking common DIY projects, homeowners are not only putting themselves at risk for major financial loss, but also are exposing their families to dangerous hazards,” says Joe Vahey, vice president and product manager at Erie Insurance. In an effort to help people become more aware of what they can be doing to protect themselves, the experts at Erie Insurance list five commonly overlooked areas of the home that should be regularly inspected and maintained: Inspect Your Roof Replacing or repairing a roof is one of the biggest expenses a homeowner may have and the need to do it often comes without warning. Nationally, the average homeowner spends about $6,600 to install a new roof, according to HomeAdvisor, but prices can soar upwards of $20,000 depending on certain factors. But the Erie Insurance survey found that nearly one in four homeowners (23 percent) admits they never inspect their roof or have it inspected only if there is a
problem. Even scarier, nearly a third (27 percent) of those who own a house either mistakenly believe their insurance will pay for damage that occurs to their roof over time, such as through normal wear and tear or have no idea how their insurance works regarding this type of damage. Insurance generally only covers things like roof damage from unexpected storms. Unclog Gutters and Downspouts
Nearly one out of four homeowners (24 percent) say they never care for their gutters and downspouts. Clogged gutters can cause water to flow down the sides of a home and pool around its foundation, often leading to major issues like uneven floors, cracks in walls and interior water damage. This type of claim, also known as seepage, is often not covered under your home insurance policy. Clean Out Dryer Exhaust One in five homeowners (21 percent) admit they never clean their clothes dryer ducts, unless they have a problem. Unfortunately, the most common cause of dryer fires
is failure to do a thorough cleaning. According to National Fire Protection Association (NFPA), dryers cause roughly 15,500 home structure fires, 29 deaths, 400 injuries and $192 million in direct property loss each year. Check the Furnace Only 36 percent of homeowners have their furnaces inspected and serviced at least once a year. According to NFPA, U.S. fire departments respond to an estimated average of 56,000 home fires involving heating equipment. These fires resulted in annual losses of 470 civilian deaths, 1,490 civilian injuries, and $1 billion in direct property damage per year.
Clean Sump Pump and Pit Sump pumps are used to remove excess water from homes, but 44 percent of those who own one admit to never cleaning it or the pit, unless they have a problem. Water damage due to sewage and drain backups generally requires additional insurance coverage beyond a standard policy. Without that coverage, it could end up costing you, on average, $2,156, according to Home Advisor. Protect your family and your investment with proper maintenance, and if you’re unsure what your policy covers, contact your insurance agent. They’ll work with you to determine what you need to be protected.
Daily Journal Weekly Real Estate Friday, February 10, 2017 PAGE A6
Call
View ALL Listings... coldwellbankerhulsey.com
Mary & Glen Hagan 573-701-1690 573-760-4768
#WeMoveThisTown
12040162
14003877
Farmington • $33,500
Fantastic location! Subdivision has city utilities, paved streets, and superbly located between two golf courses.
15053252
14022340
Farmington • $549,000
Fantastic 17 Acres spring fed lake on 61 Wooded acres full of deer & turkey. Nice pavilion next to the lake. Electric on property.
Bismarck • $67,500
Hunting, trail riding by horse or 4 wheeler, marketable timber plus many good building sites. 41.6 Acres...wooded with rolling hills.
Farmington • $376,300
Nearly 98 acres with a portion of this property being located in St. Francois Hills. Close to town yet private & secluded acreage with a 5 Acre Lake. Lots of wildlife.
Black RiveR FRontage
16002006
15064773
Farmington • $124,500
16056675
16002426
Leadington • $15,000
Farmington • $22,000
Super Cute! Family room finished in basement. 3 bedrooms & 1.5 baths. Eat-in kitchen & formal living room. Awesome location - This home is move-in ready.
Great price for 3 lots in a fantastic location! Excellent investment opportunity.
Residential building lot. Custom Build your dream home on this 1/2 acre m/l lot in Spring Brook Park Subdivision. Great home site that backs to open ground.
FouR BedRooms!
Big out Building
Roomy
16057527
16065536
Ironton • $224,900
Rustic Cedar Sided 1.5 story home on 16 acres. Feels just like home when you walk in the door. Stone wood burning fireplace and wood floors in the main living area.
Bismarck • $419,000
33.2 Acre Farm! Long and winding tree lined drive leads to a lovely 3 bedroom brick home loaded with amenities! Impressive entry with cathedral ceilings and wood floors.
Centerville • $159,900
Three bedroom, 2.5 bath home with rental/ guest house. Wood flooring in the kitchen and dining rooms, newer roof, wood-burning insert in fireplace, basement, main floor laundry.
16078649
16067093
Park Hills • $129,900
Approximately 2900 sq ft of living space in this 5 bedroom, 2.5 bath home. Fabulous curb appeal! French doors, wood floors, new windows and wood burning fireplace.
Farmignton • $39,900
5 plus acres in a Horse environment. Common ground horse trails & lake to enjoy! Some restrictions to benefit you & your horses. Take a look and see if this is what you have been looking for.
3 Beds/ 2 Baths
16079072
16078650
Farmington • $35,000
Country Subdivision but not far from town. Perfect for equestrian enthusists. Property owners enjoy the common ground lake and riding trails. Beautiful site for your beautiful home!
Farmington • $67,500
10 acres m/l. Country Subdivision but not far from town. Perfect for equestrian enthusists. Property owners enjoy the common ground lake and riding trails. Beautiful site for your beautiful home!
16081661
Park Hills • $129,900
Charming home that has been completely updated. Feel like you are at home the moment you walk inside. Large Kitchen with walk-in pantry, separate dining room.
17003139
Farmington • $18,500
Rare find in Farmington! Building lot in TIF District for just $18,500.
32 East Liberty Street - Beautiful Downtown Farmington - 573-756-5711
spacious
16065404
Farmington - $179,900
Farmington - $159,900
Beautiful home on large lot! 3 bedrooms up with another in the finished basement. 3 bathrooms, stone fireplace in family room, patio off dining room, 2 car garage.
16081704
Farmington - $149,900
Wonderful location in beautiful Holiday Park Subdivision. Full Brick Ranch 3 bedroom 2 bath home. Newer flooring, fresh paint, corner lot. Wood burning insert in fireplace & built-in bookshelves in family room.
Condo
affordable
16081706
16082046
17001732
Farmington - $99,900
Farmington - $114,900
Bonne terre - $399,000
Seven Acres and 3 bedroom/2 bath modular home. Wooded acreage, wet weather creek and loads of wildllife! Convenient access to Hwy 67.
Conveniently located and well maintained three bedroom, 2 bath condo at the edge of Farmington. Close to shopping and entertainment.
Perfect setting! Finished walk-out basement, 4 bedrooms, 3 baths with a lake on 17 acres. Lots of woods surround the house for privacy.
Convenient Location
Commercial
15033321
desloge - $69,900 3 bedroom home in Desloge with screened porch for “pest free” evenings outside. Big living room, big kitchen plus large family room.
Charming
17006711
14020992
17005053
Farmington - $69,900
Park Hills - $94,900
Farmington - $105,000
Super convenient location. Two bedroom home with tons of potential! Covered front porch AND covered back porch. Partial basement for storage &/or storm shelter. Call today!
Fantastic Investment property - 3 studio apartments, three 1 bedroom apartments, one 2 bedroom apt and 1 retail shop that could also be rented as an office.
Updated Two Story 3 bedroom/2.5 bath home on corner lot. Main Floor master bedroom, main floor laundry, kitchen has tile flooring and center island. Great location withing walking distance of downtown.
14002607 - Farmington - $27,500 - 2 AC M/L - Village Green Subdivision 16043447 - Farmington - $19,900 - 2.2 AC M/L - Stone Crest Subdivision 16063805 - Desloge - $18,000 - 77x103 building lot - Stone Crest Subdivision 16063807 - Desloge - $155,000 - 10 AC M/L - Stone Crest Subdivision 16044462 - Park Hills - $13,000 - 5 AC M/L - Woodland Hills Subdivision 15060679 - Bonne Terre - $24,550 per acre - Commercial 15062267 - Farmington - $44,900 - 6 AC M/L - Winchester Hills
Mary Hagan, GRI 573-701-1690 E-mail me at: hagan@coldwellbankerhulsey.com
Land & Lots
16033086 - Ste. Genevieve - $3,900 - 90x200 - Lake Seven Falls 16033087 - Ste. Genevieve - $2,900 - 96X167 - Lake Seven Falls - Corner Lot 16061691 - Bonne Terre - $39,900 - 3.22 AC M/L - Residential or Commercial Stormy Lane Frontage 16061698 - Bonne Terre - $983,228 - 40 AC M/L - Commercial -Frontage on Hwy 67 16029260 - Farmington - $215,000 - 70 AC M/L - Farm -Close to Farmington and Park Hills 16024808 - Fredericktown - $385,200 - 107 AC M/L - Farm - Pond and natural springs 17001388 - Farmington - $21,000 - 3 AC M/L - Residential - Private - Abundant wildlife
View ALL Listings... coldwellbankerhulsey.com
Mary Gilliam GRI, ABR 573-760-6480 E-mail me at: mary@coldwellbankerhulsey.com
#WeMoveThisTown
32 East Liberty Street - Beautiful Downtown Farmington - 573-756-5711
PAGE A7 Friday, February 10, 2017
Privacy
16067143
Perfect country setting! 4+ Acres with pond. Spacious 2300 sq ft home has 4 bedrooms, 3 baths and offers newer furnace and air conditioner, water heater and breaker box.
Full Basement
Daily Journal Weekly Real Estate
Move-In Ready!
Daily Journal Weekly Real Estate Friday, February 10, 2017 PAGE A8
Are you forgetting the costs that come with buying a home? There’s a dizzying array of associated costs that come with buying a home, including taxes, legal fees, adjustments and others that depend on both your location and the terms of your lender. When you’re crunching the numbers, it’s easy to forget some of the more basic things you’ll need to shell out for. Here’s a reminder of expenses you should add to your tally. Moving costs Amid all the excitement of purchasing a home, it can be easy to lose sight of the fact that you’ll need to actually move your possessions into your new residence. The cost of hiring movers should be part of your budget.
Utilities If you’re moving from a one-bedroom apartment into a three-bedroom bungalow, it can be quite shocking to realize how much more you’ll need to pay to heat, cool and power your home. Do a bit of homework to determine these expenses and plan accordingly. insUrance Home insurance is a must, and depending on where you live you may also need to pay for supplemental insurance.
Four signs you should lower your asking price
1. A month or more of no offers If you’ve had a number of showings but not even a single offer, chances are you need to bring down your price. 2. A month or more of no showings If no one is even coming to see your
Home staging is the art of styling a home to make it more saleable. While hiring a professional home stager is a great investment, there are a number of staging practices you can incorporate on your own. Declutter Pristine surfaces, tidy areas and all-over airiness appeal to homebuyers. Achieve this effect by decluttering your home. Purge your entire abode of unnecessary items and put personal photos and memorabilia into storage. Tuck kitchen tools like toasters into cupboards and personal products on bathroom counters into drawers.
home, despite the very best marketing efforts by your real estate agent, it’s more than likely that your requested amount is too high. 3. Nearby comparable properties are priced lower Take a look at what other houses are selling for in your neighborhood, especially those that are of a similar age, style and size as your own. If they’re priced lower than your home then you can safely bet that potential buyers are going to be moving in elsewhere. 4. Newly constructed options exist nearby Newly built homes in your area that are priced within the same range as your own may be luring away buyers. Not only are you competing against the gleam and sparkle of unblemished surfaces, but also against the additional incentives many developers have to offer. A new build can include stainless steel appliances, a sunroom, a finished basement and even closing costs. To stay competitive, you’ll need to bring down your price.
Even closets and other storage spaces should be cleared out. Paint Nothing revitalizes a home quite like a new coat of paint. Use warm neutrals for the walls and a crisp white for trims and ceilings. Clean Your home should be spotless from top to bottom. Walls, doors and surfaces need to be immaculate. Glass surfaces, light switches and hardware should be spotless and streak-free. All odors need to be neutralized. Carpets, upholstery and drapery are at their best after being professionally cleaned. Let the light in The more natural light that comes into your home, the better. Make sure all of your windows are clean and remove any screens. Keep blinds and curtains open. Use strategically placed mirrors to further increase the amount of natural light in your home.
FUrnitUre and appliances While appliances are often included with the purchase of a home, this isn’t always the case. Adjust your budget to purchase them — and any furniture — if needed. repairs and toUch Ups Minor repairs may be necessary during your first year as a homeowner and should be added to your tally of expenses. If you wish to repaint or make other cosmetic adjustments, these should also be included. Consider the exterior as well as the interior of your home.
Wondering if you should lower the asking price on your home? While there could be any number of reasons why your house isn’t selling, your listed price should be examined. Here are four signs that the amount you’re asking for is too high.
Top staging tips to speed up the sale of your home
Finishing touches A bowl of fruit on the kitchen counter and settings on the dining room table are inviting touches. Make the beds, neatly fold towels in the bathrooms and make sure the temperature in your home is neither too warm nor too cold.
How to choose a real estate agent A good realtor can be immensely valuable in facilitating real estate transactions but a bad one can add undue stress to the process. So how do you weed out the good from the bad? Here are some strategies that can help. Referrals and reviews A great place to start is by asking the people you know—friends, family, colleagues and neighbors—if they can recommend a realtor. Another way to go about finding suitable candidates is to read online reviews Interview prospects Try to find at least three candidates to meet with and interview. You’ll want to ask them about the following: • Their experience and past results, especially within the last six months
• What certifications they have • With which markets and neighborhoods they’re most familiar • Their strategies for marketing your home • Whether you’ll be dealing with them specifically or with a member of their team • Their rate Get and check references There’s little that can give you a clearer idea as to each candidate’s strengths and weaknesses than speaking with past clients. Trust your instincts Choosing a real estate agent is an important business decision. It’s important that you make a choice that’s been fully investigated and evaluated. However, don’t ignore your instincts. If a candidate makes you feel uncomfortable, keep looking. The right realtor is respectful, trustworthy and puts your needs first.
:large garage
Over 6 Acres
Terredulachomesales.com
1201 Mill St. 416 Huff Ct Leadwood - $104,900 Bonne Terre - $84,500
1.5 Story Ranch • 4 Bed • 3.5 Bath • Over 6 Acres • Hard Wood Floors • Large Kitchen • Large Deck • Wood Burning Fireplace
3 Bed • 1 Bath • 1 Story Ranch • Nice hardwood Floors • Fireplace • Sun Porch • Nice Size Closets • Large Level Lot • Central Air
MOVE IN READY
LAKE VIEW in Timberline
land!!!
1201 St. 710Mill Tyler Leadwood Park Hills- -$104,900 $79,900
9517 Cove Lane Lake Timberlline - $74,900
1201 MillSprings St. 10077 Silver Leadwood - $104,900 Terre Du Lac - $314,000
1 Story Ranch • 3 Beds • 2 Baths • Corner Lot • Dishwasher • Electric Range • Vinyl Siding • Corner Lot • 2 Sheds • Central Schools • Covered Porch/Deck
2 Bedroom • 1.5 Baths • On 2 Secluded Lots • Private Community • Open Floor Plan • Walkout Deck • Lake View • Updated Kitchen • Basement w/ Half Bath • Metal Roof • Vinyl Siding
125 acres +/- • Come hunt • Build Your Dream Home • Make Trails • Get Some Cattle, Horses, or Chickens • Make this land what you want • Pond on property • Home being sold as is
Water Front on Lac Lafitte
LOTS
Rick & Tracey Terredulachomesales.com
-Gail Devers
Rue Claudine Terre Du Lac - $39,950
Cell: 573-218-3310 Direct: 636-524-6118
Terredulachomesales.com
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• Rue Claudine, Terre Du Lac - 39,950 • St. Francois, Terre Du Lac- 3,200 • Rue Celeste, Terre Du Lac- 3,000
“Every accomplishment starts with the decision to try.”
PAGE A9 Friday, February 10, 2017
2401 Pfinister School De Soto - $299,000
Terredulachomesales.com
Terredulachomesales.com
NEW!!!
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Covered Porch • Deck • New Roof • Newer Furnace, AC & Water Heater • Main Floor Laundry • Washer & Dryer Included • Utility Shed • Large Detached Garage/ Work Shop
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500 7th 1201 Mill St. Park Hills -Leadwood $79,900 - $104,900
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Meet The Wibbenmeyer Team!!! Terredulachomesales.com
Daily Journal Weekly Real Estate
Terredulachomesales.com
Daily Journal Weekly Real Estate Friday, February 10, 2017 PAGE A10
The downside to being a live-in landlord If you own a home with spare bedrooms or a basement suite, you may be considering becoming a live-in landlord. The allure of extra revenue to help pay off your mortgage is understandably enticing. But while you certainly stand to gain financially, a number of challenges can come with renting out a part of your home. tenants It’s prudent — some would say necessary — to thoroughly screen potential renters and ask for references. But no matter how careful you are, you can never be entirely sure about a person’s habits and lifestyle until you begin cohabitating with them. Know that in many places tenants have more rights than landlords and evicting a renter can be extremely difficult.
to make the appropriate repairs. You can be called upon at any time of the day or night to manage a crisis. Given that your tenant lives on the premises, you’ll need to respond immediately. damages If your tenant damages your home, you may be stuck with the full burden of paying for repairs. Getting compensated can be a lengthy, difficult and sometimes impossible process. While collecting rent money can certainly help you pay off your mortgage, it isn’t a passive income stream. Being a landlord is a demanding occupation that requires grit and business acumen.
noIse Insulation and carpeting can go a long way towards minimizing how noise travels in your home, but it won’t entirely eradicate all sounds your tenant makes. If you’re sensitive to noise then renting out your home might compromise your personal comfort. maIntenance Being a landlord is a full-time job. If something goes amiss in your tenant’s room or suite, you’re legally obligated
• Know your budget and stick to it. Being aware of the amount you can afford — which won’t necessarily be the same amount that your lender will offer — is essential to the house hunting process. Only seriously consider those abodes that are within your means. • Make a list of needs and wants. Rate each of your wants on a scale from one to five. This list will allow you to instantly recognize a suitable find when you see one. • Pay attention to the neighbourhood. Only consider houses that are in areas with the amenities, services and lifestyle that suit you and your family. • Research online to get an idea of what’s out there, but don’t let what you see on the web determine if a home’s right for you or not. Always visit in person if the house meets your needs
Thinking of buying a condo? Before you do, you’ll want to make sure the condo association is in good shape. Here are three signs there may be cause for concern. 1. High rate of people selling If numerous units in the building are up for sale, this may be an indication that people aren’t happy with the way things are being run. Sometimes simply asking why people are selling can help you glean pertinent information. 2. Poor maintenance of public areas Common areas should be pristine and well kept. If you notice dings in the walls, burnt out light bulbs, overgrown landscaping, dust bunnies wedged into corners or pests scurrying around, you can be fairly certain something bigger is amiss. The condo association may not have funds to keep up with the necessary maintenance.
3. Closed amenities If the elevators, pool, gym or other common areas are closed for repair when you visit, check back in a few weeks to see if any progress has been made. If not, there’s likely financial trouble that’s preventing the necessary work from getting done. Do your homework Determining the health of the condo association should be a priority for any potential buyer. Investigate by securing minutes from prior meetings, discovering the number of units for sale in the building and uncovering any past instances of litigation.
How to get pre-approved for a mortgage
House hunting tips and tricks Looking to buy a home? Here are some strategies to keep you on the right track while you search for the perfect place to settle down in.
Three signs a condo association is in trouble
and the price and neighbourhood are the right fit. • Take notes and pictures when you visit homes, as it’s easy to forget what you saw and where you saw it after visiting multiple properties. • Educate yourself on market values and trends in your desired neighbourhood(s). This way, you’ll know a good — or at least reasonable — deal when you see one. The most important thing when it comes to buying a home is to find a place that meets your needs and budget. Avoid being swayed by emotion and instead rely on reason and research to make the right decision.
If you yearn to be a homeowner then you need to start taking steps today to make that dream a reality. Here are the things to begin doing right now to eventually get pre-approved for a mortgage.
but to optimize your score, keep expenditures to a minimum.
start savIng If you wish to be a homeowner you’ll need to be able to make a Improve your credIt score The current minimum down payment. The current The most important thing is down payment on most minimum rate is 3% (there to pay all bills in a timely homes in the United are several exceptions, howStates is 3%. manner. If you’re prone to ever), but if you can afford forgetting, use a calendar— 20% down you’ll not only digital or analog—to help you stay on lower your balance but also avoid having track. You also need to keep expenditures to get private mortgage insurance (PMI). on your credit cards at or under 30 per cent In addition, you’ll need to be able to cover of their full capacity. It’s important to have closing costs as well as a bevy of other one or two credit cards to establish credit, expenses that come with buying a home. pay off your debts While you don’t have to be at ground zero in terms of debt to get a mortgage, the less you owe, the better the rate you’ll be offered. It’s also important to avoid accruing new debt until you’ve closed the deal. A lender may alter their stance if your financial situation changes before you’ve signed on the dotted line.
MaTT STaCY
aMY STePHenS
KirSTen deHner
Cell: 573-225-0374
Cell: 314-223-0488
Cell: 573-783-0260
Cell: 573-915-0530
Realtor® Broker Associate
900 Hwy OO FREDERICKTOWN, MO
Realtor® Sales Associate
Realtor® Broker Associate
Realtor® Sales Associate
573-783-8231 www.swinfordrealtyllc.com
NEW LISTING
RARE FIND! Cabin on 3 acres with a well, electric and septic that joins thousands of acres of National Forest. RV hook up, 18x30 carport & utility shed making this a turnkey set up for the avid outdoorsman. Right outside your door you will find miles & miles of trails throughout an almost endless supply of public land. Popular land marks and destinations in the immediate area include the St. Francis River, Lee Bluff, The Fish Trap, Sonderman Farm, Rock Pile Mountain, Marlow Mountain and much more.
NEW LISTING
NEW LISTING
DETACHED GARAGE #17003713 • 511 E Marvin • FREDERICKTOWN
#17006272 •1 Hummingbird • FREDERICKTOWN
Looking for just the right spot to build your dream home just minutes from town? This 23 acre tract may be just what you’re looking for! Enjoy the quiet community of Cherokee Hills while having your own space featuring a pond and plenty of trees for shade, privacy and easy access to electric. If this sounds like what you’ve been looking for, then call today and schedule your own private showing!
Featuring three spacious bedrooms with plenty of closet space, an updated full bath on the main floor and a full bath upstairs. The open kitchen flows into the eat-in dining area. Entertain your friends and family in the large living room or on the covered back porch which is perfect for barbecues, family gatherings, or relaxing summer evenings. There’s also a two car detached garage out back that would be great for extra storage.
Convenience and comfort come to mind with this low maintenance, 3 bedroom, 2 bath home. Featuring an open floor plan, large dinning area and an expansive living room. Engineered wood flooring and a newer roof are among the many recent updates. Privately located on a level lot at the end of a dead end street, just a few blocks away from school and the grocery store.
#17006199 • 1 Arrowhead Dr• FREDERICKTOWN
REDUCED
3 ACRES / 30X50 SHOP
40 +- ACRE FARM WITH UPDATED FARMHOUSE! 3 bed 2 bath home with spacious room size & cozy floorplan. A ton of modern updates while keeping the charm and character of days past, this home really stands out. Main floor includes kitchen, master suite, additional bath, family, living room & laundry with 2 bedrooms upstairs. Newer water heater & HVAC combined with Hardy wood furnace keep the utilities cost low. Relax outside on the wrap around porch and enjoy the beautifully landscaped yard or watch the cattle graze in the pasture. A 2 car detached garage, 24x40 workshop/man cave with 12’ lean-to & multiple sheds make room for your projects & storage. The farm includes 25+- acres pasture currently used for cattle, 30x40 pole barn, additional well, waterer & spring. Property has frontage on Big & Little Creek with year round water. With paved road frontage a short drive from Castor River, Clearwater, Wappapello & National Forest.
PRIVATE COUNTRY RANCH HOME! With over 3500 finished sq.ft. this simple yet spacious home has what it takes to impress the buyer that ranks functionality at the top of their list. The divided but open floor plan features a large kitchen with lots of counter space and a center island. 3 bedrooms and 2 full baths on the main level including an expansive master suite and a main floor laundry/ mudroom. In the mostly finished lower level you will find a walk out basement with 9’ ceilings, what could be up to 2 additional bedrooms, a third bath, family room and a second laundry/ utility area. Outdoors you will find a nice deck, full covered front porch and a 30x50 shop with electric, water & half bath. There is also an outdoor wood furnace to help keep utility bills to a minimum. All on 3 acres at the end of a private lane and just minutes from town!
#17006786 • 8033 Hwy M • MARQUAND
#16069406 •1881 Madison 221 • FREDERICKTOWN
Page A11 Friday, February 10, 2017
Low maintenance, 7 year old, 3 bedroom 2 bath home features an open living space, a very functional kitchen with plenty of cabinets, all electric HVAC, laminate flooring and 6 panel doors. Outside you’ll find a shaded front porch, deck for the upcoming BBQ season and a level back yard with plenty of room for outdoor activities or gardening. If you are looking for a move in ready home with very little to take care of, this could be the one!
#17003586 • 1997 Hwy O • FREDERICKTOWN
#17006880 • 710 High Street • FREDERICKTOWN
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Thomas Jones 573-760-4524
Forest Park Crossing
Leadington
The Highlands
$325,000 16052068
Stunning home with custom kitchen upgraded to the nines. 5 bedrooms, 3.5 baths, finished basement, main floor master suite and main floor laundry.
$189,900
Farmington
16067953
Striking 3 bedrooms 3 baths home located just outside of Farmington! Spacious, open floor plan with vaulted ceilings and fireplace in the living room beautiful maple cabinets in the kitchen.
Call Mary Gilliam 573-760-6480
Call Kim Hutson 573-760-9789
Terre Du Lac
Goose Creek
Bonne Terre
$179,900
17003325
Looking for a place on the lake to call your own! Look no further than this adorable home on Lake Capri in beautiful Terre du Lac! You will enjoy the large great room with the fireplace and the spacious deck. Call Vanessa Trokey 573-330-6261
Spring Brook Park
French Village
$269,000
Farmington
$259,900 17004765
Welcome Home! 4 bedroom 3 bath with over 3400 square feet adjusted living area. Lots of room to romp around! Enjoy your private oversized back deck this summer. Snuggle up by the fireplace this winter. Call Candace Glore 573-366-8739
New Price
17000263
Vacation every day! Two--could be three--bedroom modular ranch on waterfront lot. Only a few years old and well kept, with fireplace, roomy kitchen, big bedrooms and baths, one with two showers! Alma Lorch 573-760-6042
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Irondale
$169,900
16079598
Move in ready 3 Bedroom 2 Bath home located on a secluded lane on 20 ACRES of land. Just a couple miles out of Bismarck city limits. All appliances included in kitchen and beautiful French doors. Call Candace Glore 573-366-8739
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32 East Liberty Street - Beautiful Downtown Farmington - 573-756-5711