Every Wednesday We Will have {Decorating Wednesdays!}

I am so excited to share with you various ideas and concepts of different layouts on Decorating your home with what we call "Staple Pieces".  "Staple Pieces" are items I like to start off with than go from there and add other pieces of furniture, home decor, and various other items to go off of the Staple piece I work with.

Here are some neat ideas on decorating your home. It DOES NOT have to be costly.  We love clean, cut, and crispy.

No matter where you came from its always lovely to have that one stop for everyone to hang up your Coats, purse, and misc. items. This is one way with many options to do just that right next to the entry way.

Living at lake of the Ozarks we have plenty of Fisherman. Finding a simple item like these Fish Stands will accent any avid Fisherman's Kitchen.

 A "Staple Piece" is usually the main item or furniture you decorate off of. In this one the Couch and Rug are the "staple pieces" and all other furniture/items selected to surround and coordinate it fashionably!

It truly does not take much to accentuate a bare wall with these items creating a "Piece of Simplicity".

The Winter Month is coming and no matter what kind of Fireplace you may have...you can never go wrong with the basic Rocking chairs to cozy up to the fire.

Dining rooms may seem like a daunting task to decorate.  Not so true.  The staple piece is the artwork on the wall. Throw a black table and upholster chairs with the colors off the artwork. Easy Peasy!

Outside Fire Pits are all the Rage these days. Easy to build and do it yourself. Here is a tutorial and easy steps to create your own before the snow comes down!

Click Here!

With that said We wish you a warm and cozy fall.

Until Next Time,

Ebbie

Lake of the Ozark News November 5, 2013

How to prepare on buying your "Dream Home"....

If you’re like everyone else, you dream about buying a house but wake up to the reality of loose-end finances and the overwhelming prospect of a monthly mortgage.

So how to prepare?

1. Check your credit – Requesting a credit report is actually one of the easiest things you can do; clearing fraudulent activity is one of the hardest. That’s why it’s important to check your credit history early in the process if you’re thinking about buying. If you find something negative on your report, it could take months to clear things up. The U.S. government allows for one free report each year from each of the three national credit bureaus – TransUnion, Experian and Equifax. Visit annualcreditreport.com for your free reports. It's a great first step.

2. Pay down debt – This might seem like a no-brainer, but banks don’t want to see that you have a whole lot of stuff and not a whole lot of money. Banks need to know you’ll be able to pay their loan first and foremost, and they like to see a high credit score, which debt negatively affects. So start paying off those credit cards, and put off purchasing that new car or making any other major purchases until after you’ve secured a mortgage. Speaking of mortgages…

3. Build a down payment – Conventional wisdom says a down payment should be no less than 20 percent of the home price. A 20-percent down payment is something to shoot for, but it's not necessarily required or entirely realistic, particularly for first-time homebuyers. A 3.5 percent down payment is the minimum required to secure an FHA loan. So although you might not end up bringing 20 percent to the transaction, you will have to prepare to bring some cash to the transaction.

4. Research neighborhoods – This is where the fun starts. If you’re not sure which part of town you’re looking to live, get out and explore! Drive around, walk the streets, visit the shops and eat in the restaurants. If you don’t see yourself living there, then move on to the next community. And don’t forget to research school districts – even if you don’t have children or don’t have children in public schools. Homes in good school districts move the fastest when it’s time to sell – should that day ever come.

5. Get pre-approved – Unless you’re paying cash, nothing shows a seller you’re ready to buy quite like having a pre-approval letter from a lender. Plus, you’ll know exactly how much you can borrow, which can guide you toward properties in your price range. Plan to secure a pre-approval just before you start looking at homes. Meet with several lenders to determine which company you trust most and which one can offer you the best terms and interest rate. Oftentimes, your real estate agent can provide you the names of reputable lenders.

If we can be any help to you finding your perfect home at the lake, please let us know or call 573-302-2313. Until next time! Ebbie :) 

RE/MAX Real Estate Symposium last Thursday generated a little more excitement than usual

• CBRE, Inc. imageThe plans for Towne Harbour near the Grand Glaize Bridge calls for two hotels and a broadwalk shopping area.
  
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  The annual Re/Max Real Estate Symposium last Thursday 
  generated a little more excitement than usual when developer
  Kent Nixon announced plans for a major hotel and retail 
  center in Osage Beach.
  Nixon said he plans to build Towne Harbor on the former 
  Kalfran Resort property off Jeffries Road at about the 
  19.5 miler marker of the Main Channel. The major stumbling 
  block, he said, was the success of a Tax Increment Financing 
  (TIF) application he has yet to file with the city of Osage Beach.
  Nixon said his vision is for an “entertainment district” that 
  would include two hotels, a boardwalk of retail shops, restaurants 
  and bars and other facilities. It would be built in two phases, 
  with the first getting underway by next summer.
  “It all depends on the success of the TIF application,” he said. 
  “There won’t be anything quite like this at the lake.”
  Nixon plans to have the letters of intent ready by the end of the
  year and begin the TIF application process at the beginning of 2014.
  
  The project would be the first major hotel resort/entertainment center
   at the lake since Tan-Tar-A and the Lodge of Four Seasons were built. 
  A similar hotel resort planned by John Q Hammons near the Grand Glaize 
  Bridge failed to materialize several years ago after its TIF application 
  was delayed by a lawsuit, followed by Hammons’ poor health and eventual 
  death.
  Nixon said the entire project would take about four years to complete, 
  with the first phase finished about two years after a TIF application 
  is approved by the city of Osage Beach. One of the hotels would be 
  located on the water, while the other would be closer to the Osage Beach
  Expressway.
  Nixon said he decided to unveil the plan here because the entertainment
  and hotel segment of the market is beginning to show some age.
  “The public expects a lot, and we seen an opportunity to create a game 
  changer, to swing the lake’s pendulum in the proper direction,” he explained.
  
  “The lake needs to work on increasing its static population so it doesn’t 
  have to rely on only seven or eight months of income,” he said. 
  “It needs to be more of a year-round retail center.
  While the city of Osage Beach is aware of the development, there has not 
  been an application for a TIF filed.
  City Planner Cary Patterson said Nixon has visited with the city but so 
  far, there has not been any development plans filed with Osage Beach.
  Zoning is not an issue for the proposed development. The current zoning 
  would allow for a development of this type, he said.
  
  More to read on this at original source: 
  http://www.lakenewsonline.com/article/20131021/NEWS/131029887#ixzz2jDZUpzbJ
  
  
  
  

  
  

Dick's Sporting Goods.... Bed Bath & Beyond slated to join Dierbergs in Osage Beach

Dierbergs

OSAGE BEACH, Mo. — As Dierbergs Markets opens its doors next week, two national retailers new to the development will be getting their construction plans underway.

Dierbergs confirmed today that DICK’S Sporting Goods and Bed Bath & Beyond will open in the Dierbergs Lakeview Pointe Shopping Center within 11 months.

Dierbergs' new store in the center, 4655 Osage Beach Parkway, is set to open its doors at 9 a.m. Wednesday.

DICK’S Sporting Goods, a full-line sporting goods equipment, apparel and footwear company, plans to open its 34,000-square-foot store in November.

The housewares giant Bed Bath & Beyond, known for excellent customer service, everyday low prices and an extensive breadth and depth of product assortment, will open a 20,000-square-foot store in March 2014.

Two tenants attached to the supermarket, Eyes on Missouri (an optical store) and Great Clips Salon, are scheduled to open in May.  The UPS Store and JJ Twigs Pizza both occupy space within the supermarket and will open for business when Dierbergs cuts its ribbon Wednesday. Dierbergs is still in discussions with a variety of national and local businesses interested in the center’s remaining retail space.

Tracing its roots to a country store founded in Creve Coeur, Mo., in 1854, Dierbergs Markets is a fourth-generation, family-owned chain of 24 supermarkets with more than 4,000 Associates. The company’s 25th store opens April 24 in Missouri’s Lake of the Ozarks; it is Dierbergs’ first store outside the metropolitan St. Louis market.

Source: http://lakeexpo.com/news/lake_news/article_8e881e44-a872-11e2-a3cc-001a4bcf887a.html

The Foreclosure Crisis is Drawing To a Close

The number of new foreclosure filings in August hit its lowest level in nearly eight years, according to RealtyTrac, an online marketer of foreclosed properties.

Soaring home prices and a big decline in underwater borrowers -- those who owe more on their mortgage loans than their homes are worth -- have helped drive the trend.

August's initial foreclosure filings fell 44% to 55,575, just below the 56,063 that were recorded in October 2005. The foreclosure crunch began in summer 2006, at about the same time that housing prices hit their peak.

"This is a strong indicator that the crisis is over," said Daren Blomquist, vice president at RealtyTrac. "The foreclosure floodwaters have receded in most parts of the country, although lenders and communities continue to clean up the damage left behind," he added.

The mopping-up process continues, however. In August, for example, the number of homes repossessed by lenders rose 6%, compared with July, to 39,277. But that still represents a drop of 25% year-over-year, and is more than 60% below the peak of repossessions in September, 2010.

The state with the highest rate of foreclosure filings was Nevada, with one for every 359 homes. According to Blomquist, many of those filings had been delayed by recent state legislation there that required lenders to redo their paperwork.

In Florida, one of every 383 homes had some kind of filing, the second highest rate among states. Ohio, Delaware and Maryland filled out the top five.

Florida cities accounted for six of the 10 hardest hit metro areas. Port St. Lucie topped the list, with a filing for one out of every 201 homes. Jacksonville, Miami and Ocala were also hard hit. Las Vegas reported the third highest rate and three Ohio cities -- Toledo, Cleveland and Akron -- also made the top 10 list.

If you are looking to list your property, or if you're looking for your new property at the Lake of the Ozarks please call the "Spouses Selling Houses" team at 572-302-2313. Until next time... Ebbie :)

6th Annual Real Estate Symposium

Please join us for the 6th Annual Real Estate Symposium sponsored by RE/MAX Lake of the Ozarks.  As in previous years, this event has attracted area lenders, appraisers, the media, and others with a vested interest in real estate at the lake.  Information presented will focus on Sales Trends, Changes in Property Values, Foreclosure Activity, Market Trends and Absorption Rates.

Because of the limited seating, reservations are required for this event.  There will be no charge for admission.

To register for the seminar click here:

http://resymposium2013-eventful.eventbrite.com/r/eventful

Hope to see you there!! Ebbie :)