s e m o H w e N
& Communities
Grand Lake, OK and Surrounding Areas Including Fine Homes, Condos, Land, Services and Communities
From Grove, Langley, Disney, Pensacola, Cleora, Bernice, Afton, Jay, Vinita, Miami, North Miami, Commerce and Welch
Serving Tulsa & Surrounding Oklahoma Areas Moody Custom Homes strives to bring your vision and dreams to life with honest and fair pricing, all the while not to sacrifice quality, service and attention to detail.
•Custom Homes •Remodels & Additions •Outdoor Living
918-734-4059 www.buildyourcustomhome.com NHCCVRmoddy.indd 1
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Your Dream Home is Waiting for You
I have a home loan for everyone with access to a full portfolio of mortgage products backed by a company with more than 150 years of home lending success. • Quick and easy preapproval • Fast, smooth and efficient loan process • Flexible terms and competitive rates
Powered by First State Bank Mortgage
HOME LOAN
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Curtis Schartz, NMLS# 454625 Certified Mortgage Planner
913.707.1525
Curtis@KCMortgagePlanner.com
FIVE STAR Award Winner
2013, 2014, 2015, 2016, 2017, 2018, 2019
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A Division of First State Bank, NMLS #416668
A Division of First State Bank, NMLS #416668
Download my app today!
Text me for details at 913.707.1525.
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. . . e l y t s e f i L It ’s A
PREMIER PROPERTIES PREMIER AMENITIES CHAMPIONSHIP 18 HOLE GOLF COURSE 24 HOUR MANNED SECURITY POOL / TENNIS / CLUBHOUSE / PRO SHOP / GUEST HOUSE LUXURY WATERFRONTS SCENIC VIEWS RUSTIC LAKE HOMES CAREFREE TOWNHOMES BUILDING SITES
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bb Gated Community & Golf Club
The Coves at Bird Island is a 662 acre gated community located on the south end of Grand Lake. 24 hour security, pool, tennis and a Championship 18 hole golf course. Golf Menberships & Tee-Times available, call 918-782-3220.
918.782.3269 • Cell 918.937.0014
lorigray@thecoves.com • www.thecoves.com Bird Island REAL ESTATE
Lori Worley-Gray
COVES'S EXPERT for 38 YEARS (ON- SITE REALTOR)
A GUIDE TO MORTGAGES, HELOCS & MORE Whether you're looking to make a first-time purchase, refresh an existing home or simply leverage built-up equity for other reasons, it's important to figure out which path is right for you and understand the lending options available. First-time buyers must start with determining what is affordable. In addition to the mortgage payment, housing costs will include property taxes, homeowners insurance and fees, such as homeowner association dues. Altogether, costs should be no more than 28 percent of monthly gross income and should leave room to continue servicing other debt, such as student loans, credit cards or auto loans. When preparing to buy a home, work through credit pre-approval to be ready with a strong offer when the opportunity arises. In addition to reviewing credit history, a loan originator will consider the amount of the down payment. A down payment typically ranges from 3-20 percent, and one that is less than 20 percent may require you to pur-
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chase mortgage insurance. A mortgage originator, however, can provide a variety of lending options to optimize your investment, from 15and 30-year mortgages to fixed and variable terms. If planning to make some improvements to a much-loved residence, consider financing the updates through a home equity line of credit (HELOC). Eligibility depends on how much equity has been built up in the home and the lender's loan-to-value ratio. A HELOC works much like a credit card and offers flexibility. A minimum amount is paid monthly, and interest applies to the amount borrowed. Before embarking on a remodeling project, do some homework. Start with the lender to determine the value of the home and the loan amount available. Then, establish a budget, leaving room for unexpected expenses. Work with a reputable professional to define the project and its requirements, and shop around for bids and recommendations to confidently select
a contractor. Some lenders offer checklists to help get the most from the investment. Another option for financing a project through a home's equity is a home equity loan (HELOAN). As with a mortgage, the loan is granted as a lump sum and is paid back in installments over time, typically 10-15 years and at a fixed rate locked in at the time of securing the loan. A HELOAN works well for a one-time goal to improve the value of a home. Be mindful that either a HELOAN or a HELOC introduce some uncertainty, as monthly expenses will increase and must be maintained to avoid foreclosure risk. Remember to consult a professional for advice applicable to your specific situation. Start with a lender who can help you identify financial options available to home buyers and owners today. With careful planning and budgeting, the financing you need may be well within reach.
3/2/19 12:47 PM
Contact One Of Our Featured LENDERS for ALL of YOUR Mortgage Needs! Call Theresa Swift Today! NMLS License #191901 Branch NMLS #849751
FIVE STAR Award Winner 2013, 2014, 2015, 2016, 2017, 2018, 2019
918-787-6200 • 204 West 4th, Suite B, Grove, OK
Contact Michael or Dana
for all YOUR mortgage needs! Michael Hart, M.L.O.
918-787-8849 NMLS # 1762214 mhart@fnbgrove.com
Heather Beisly (918)244-7277 hbeisly@bankofgrandlake.com NMLS #1553891 Allow my Grand Lake upbringing and my 11 years of banking work for you.
Dana M. Thiems, V.P.
Angie Medlin (918)791-1745 amedlin@bankofgrandlake.com NMLS #591717 Let my 21 year experience navigate you through your buying process.
918-256-7989 NMLS # 591749 danat@fnbvinita.com
.
FasterNewerBetter.com/Mortgage NMLS #578079 APPLY ONLINE AT www.HomeLendingApp.com
Sherry Sherrell Sherry Sherrell BranchBranch Manager NMLS#492419 Manager Cell 479.381.7474 NMLS#492419 Office (918) 964-7020 Cell 479.381.7474 SSherrell@prmg.net Office 918.964.7020 SSherrell.prmgapp.com SSherrell@prmg.net SSherrell.prmgapp.com
TERRY
HUNTER
VP, Mortgage Lending NMLS#591805
1022 S. MAIN | GROVE | 918.786.2203 www.GrandSavingsBank.com
Regan Lively-Birmingham,
THE SHERRELL Home Lending Group
SENIOR VICE PRESIDENT
Mortgage Lending / NMLS# 1005784 rlively@americanbankok.com
Mobile: 918-607-5331
7 E. 3rd Street | Grove, OK 74344
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MEMBER FDIC
3/2/19 12:49 PM
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ServiceMaster Extreme Recovery Services 866-787-2449 www.servicemaster.com
You have a choice when closing. Choose experience.
JAY
GROVE
LANGLEY
(918) 253-4249
(918) 786-8215
(918) 782-4125
www.GrandRiverAbstract.com
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11022 0022 SS. MAIN MAAIN | GGROVE ROVE | 9918 918.786.2203 18 7786 8866 2203 2220033 www..GGrandS www a dSavings viingsBan sBBankk..ccom
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Negotiate terms of sale or purchase including repairs or concessions.
You’ll never get the true knowledge of property values and locations from the internet.
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Contact One of Our Featured REALTORS® For All Your Real Estate Needs!
Diana Riley Patterson 918-629-3717 www.southgrandlake.com McGraw Realtors Grand Lake 918-782-3211 - office
Ivan Devitt 918-791-8328 www.thedoddcompany.com The DODD COMPANY LLC 918-787-5355 - office
Marilyn Johnston 918-770-2515 marilynkj@aol.com KW Grand Lake 918-787-7653 - office
Lori Worley-Gray 918-937-0014 lorigray@thecoves.com THECOVES.com Bird Island Real Estate 918-782-3269 - office
Amy Wright 918-791-1594 amywright04@yahoo.com KW Grand Lake 918-787-7653 - office
Debi Holcomb 918-629-4443 debi@grandlakehomes4sale.com Butler Real Estate 918-782-9304 - office
Steve Duff 918-964-1524 steveduffrealtor@icloud.com The DODD COMPANY LLC 918-787-5355 - office
Kathy Henderson 918-801-3577 kathy@mckibbenandco.com McKibben & Company Realty 918-782-1500 - office
Tina Blackman 918-230-0310 teeblackman@hotmail.com Butler Real Estate 918-782-9304 - office
Cathy Schaefer 918-787-1957 cathy.schaefer@att.net Berkshire Hathaway 918-786-7625 - office
Sharon Lebow 918-801-3377 sharonalebow@gmail.com Berkshire Hathaway 918-786-7625 - office
Tom Sanders 918-791-1036 tom.sanders@remax.net RE/MAX Grand Lake 918-786-9888 - office
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EZ Stairs for your dock...Call Marty 918-801-8855! Other Products... • Swim Up Bar • EZ Board • Fish Cleaning Station • EZ High Dive
WETSTEPS.COM
Looking for a hometown mortgage team?
Experience the difference of local service and decision making.
Apply today!
Call Theresa Swift Today! NMLS License #191901 Branch NMLS #849751
918-787-6200 • 204 West 4th, Suite B, Grove, OK
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