River Valley Real Estate
&HOME April 2018
170 Acre Rancher’s Dream
A show stopper with breathtaking views Listed by Aaron O’Neal, O’Neal Real Estate page 17
River Valley Real Estate
&HOME April 2018
170 Acre Rancher’s Dream
A show stopper with breathtaking views Listed by Aaron O’Neal, O’Neal Real Estate page 17
Cover design by Christy Morrison
multi media sales executive
Monica Carter design coordinator
Christy Morrison
FEATURES
CONTENTS
FORT SMITH BOARD OF REALTORS ............................................................................................15 CRAWFORD COUNTY BOARD OF REALTORS ........................................................................29 3 WAYS TO USE YOUR LAWN TO IMPROVE CURB APPEAL ...........................................33 FORT SMITH BOARD OF REALTORS AWARDS ...............................................................48-49 CRAWFORD COUNTY BOARD OF REALTORS AWARDS ..................................................62
River Valley Real Estate
&HOME
INDEX OF ADVERTISERS
publisher
Assurance Realty ..............................................20-23 O’Neal Real Estate ............................................16-19
Crystal Costa
Bancorp......................................................................64 Pat Satterfield Realtors ..................................30-31 te l Esta River Valley Real Estate y Rea Valle
ME&HOME&HOM O H E &
r Rive
ar Janu
y 20
18
March 2018
Rive r Vall ey R eal E state Febr uary 2018
Berkshire Hathaway Homes Services............42 Poteau Valley Realty..............................................43 Chuck Fawcett Realty.....................................58-61
e Hom ith me rt Sm es
Quantum Property Services ............................ 4-5
utiv lcome in Fo Exec Wew hoRemarkable AX Country Estate List e ne RE/M ed
d by
Liste
bl by in mind Tru arka s withCustom built with Elegance & Comfort Ada ly ne Gaylene Calhoun, Keller Williams Market Pro Rem Listed Realty m Sp Joby Bea Pic ette rad lin w utiful ture in s ith Ass every que ura nce aspec Rea t lty
Jean
Citizens Bank...........................................................32
Ramona Roberts Realtors ..............................8-14
Cobblestone .............................................................46 The opinions and observations expressed in River Valley Real Estate & Home are those of the respective authors and do not necessarily reflect the opinions of Times Record. Volume 11, Number 1 River Valley Real Estate & Home, a magazine of the TImes Record published 12 times a year. © Copyright 2017 Times Record
Advertising information is available from Monica Carter at (479) 785-7786 or mcarter@swtimes.com
Remax ...................................................................24-25 Coldwell Banker Fleming Lau Realty ......26-28 Ronald Ragon Realty ............................................47 First Financial Bank ................................................ 7 Greater Fort Smith Home Builders Assn .............63 Jimmy Bell Real Estate ...................................36-41
Sagely & Edwards Realtors ..........................50-56 Sutherland Lumber Co ........................................28
JE Jones .................................................................34-35 SWBC Mortgage .....................................................57 Keller Williams Market Pro Realty ...........44-45 Trinity Multifamily................................................... 3 Medlock & West Realty.......................................... 6 Western Arkansas Title .......................................61
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Specializing in Federal Housing Administration (FHA) Financing Since 1935
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Conventional, VA, FHA, and Rural Development Loans available. USE THIS CHART TO ESTIMATE YOUR MONTHLY MORTGAGE PAYMENT. Interest Rate 2.500% 2.625% 2.750% 2.875% 3.000% 3.125% 3.250% 3.500% 3.750% 4.000% 4.125% 4.250% 4.375% 4.500% 5.000%
Repayment Term per $1,000 15 YEARS 6.67 6.73 6.79 6.85 6.91 6.97 7.03 7.15 7.27 7.40 7.46 7.52 7.59 7.65 7.91
20 YEARS 5.30 5.36 5.42 5.48 5.55 5.61 5.67 5.80 5.93 6.06 6.13 6.19 6.26 6.33 6.60
30 YEARS 3.95 4.02 4.08 4.15 4.22 4.28 4.35 4.49 4.63 4.77 4.85 4.92 4.99 5.07 5.37
Determine your loan amount and divide that amount by 1000. Multiply that product by the number that corresponds with the interest rate and repayment term you have chosen. The ďŹ nal product will by your monthly principal and interest payment.
EXAMPLE : MPBO t JOUFSFTU SBUF 30 year repayment term 100,000/1,000=100 100x4.63=$463.00* *NOTE: Taxes, Insurance and Mortgage Insurance (if applicable) are not included in above calculation.
(Mortgage Credit CertiďŹ cate)
YOU COULD EARN UP TO $2,000 TAX CREDIT FOR A PRIMARY HOME PURCHASE. (DOLLAR FOR DOLLAR CREDIT)
MCC QUALIFICATIONS (Please call for additional details or prequaliďŹ cation.)
t Obtain a ďŹ xed rate Conventional, FHA, VA or RD loan for a purchase of a PRIMARY residence. t Purchase price must not exceed $250,000. t ALL types of income for ALL persons over the age of 18 who will be living in the residence must be reported. t The yearly tax credit can be received as long as the owner lives in the home, retains a mortgage, and has a tax liability. t Each year the tax credit is recalculated on the remaining principal balance.
SEBASTIAN COUNTY t Buyers may NOT have owned a primary home in the previous 3 years unless they are a Veteran. Income Limits #of People Living in Household 1-2
Total Household Income $59,496
3-4
$68,420
CRAWFORD COUNTY t Buyers MAY have previously owned or currently own a home. Income Limits - Waivers may be requested #of People Living in Household 1-2
Total Household Income $63,840
3-4
$74,480
** PLEASE CONSULT AN ACCOUNTANT FOR ADDITIONAL TAX DETAILS.
FIRST FINANCIAL MORTGAGE IS PROUD TO BE THE #1 MCC LENDER IN ARKANSAS SINCE 2011. ETHAN ADAMSON NMLS #924274 479-459-3719
SHERRY HOLDEN NMLS #445259 479-806-7200
TRACI WILHELM NMLS #733614 479-461-3799
3401 Rogers Ave., Suite A | Fort Smith, AR 72903 | (479) 782-9300 | www.ffb1.com RIVER VALLEY REAL ESTATE & HOME - APRIL 2018 | 7
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:HOFRPH +RPH Fort Smith, Arkansas 479.646.7444
8600 Gatehouse Way
8612 Gatehouse Way
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8606 Gatehouse Way
8404 Stoneshire Drive
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Chaffee Crossingâ&#x20AC;&#x2122;s Newest Neighborhoods
COMING SPRING 2018
Ask us about our spring 2018 incentive home special!
Serving the River Valley since 1990 â&#x20AC;¢ www.CobblestoneHomesRealEstate.com 46 | APRIL 2018 - RIVER VALLEY REAL ESTATE & HOME
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HELPING YOU FIND the Happiest Way Home.
We’ve overhauled the loan application process by creating TurnKey™, an online tool that creates a dramatically easier path to fulfilling application requirements in a secure, timely, and organized digital setting.
Contact me at 479.783.4400 or visit me online, swbcmortgage.com/catalano, to apply today! ROSE CATALANO
SWBC MORTGAGE CORPORATION BRANCH MANAGER | NMLS #204458 2525 Rogers Ave Fort Smith, AR 72901 CELL: 479.650.2882 OFFICE: 479.783.4400 EMAIL: rcatalano@swbc.com swbcmortgage.com/catalano © 2017 SWBC. All rights reserved. Loans are subject to credit and property approval. Other restrictions and conditions may apply. Programs and guidelines are subject to change without notice. Rates are subject to change daily. Corporate office located at 9311 San Pedro Avenue, Suite 100, San Antonio, TX 78216. SWBC Mortgage Corporation, NMLS #9741 (www.nmlsconsumeraccess.org). 1060-A0689 09/17
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At BancorpSouth, weâ&#x20AC;&#x2122;ve been helping people buy and renovate their homes for over 140 years. We offer a variety of mortgage types, and our mortgage lenders will help to ensure the process is painless. Plus, we feature an easy-to-use website with an online mortgage calculator and online applications. When you want to turn a house into your home, you need someone you can trust.
Weâ&#x20AC;&#x2122;ve got the Right Mortgage for Right Where You Are in Life. Call or visit one of our lenders today.
Ciela Edwards
NMLS #484988 5800 Hwy 71 S Fort Smith, AR 72908 (479) 649-1011
Grissa Schmitz
NMLS #1617157 1222 Rogers Ave Fort Smith, AR 72901 (479) 785-8332
Stacy Johnson
NMLS #484982 7000 Rogers Ave Fort Smith, AR 72903 (479) 478-4426
Mortgages are subject to approval. Interest rates are subject to change without notice & dependent on credit score. This is not a commitment to lend or rate guarantee.
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