Managing your Move – Your Source for Real Estate In Kirkwood Missouri

East Randolph Street, Chicago

The first of ten steps in buying a home.

May 7th, 2010 · Uncategorized

1) Pick an agent.

This person is going to be your guide through the real estate transaction. Find someone you can stand being around for an extended period of time and with whom you feel comfortable communicating your wants, needs, as well as dislikes when it comes to the properties you are viewing. The agent should be knowledgeable and experienced in the area you wish to live and the price range in which you wish to buy.

You agent will be representing your interests, so ask their advice and hold them to task.

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The Title Company

March 28th, 2010 · Uncategorized

Title Companies research the history of a piece of property to make sure that the title is free and clear. This ensures that the seller is the one and only owner of the property and that noone else has a claim to the dwelling or land.

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Home Insurance in St. Louis Missouri.

March 12th, 2010 · Uncategorized

When you purchase a home, you will most likely take out a significant loan to pay for the property and dwelling.  Your mortgage company will want you to have insurance to pay off the loan in the event of a fire or other loss since the improved property is the collateral for the loan.

Insurance can be required, or desired for a number of reasons and insurance is available in a number of different forms.

You can find more information on home insurance in the St. Louis area at http://www.insuremyautohomelife.com

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November 22nd, 2009 · Uncategorized

The Missouri Housing Development Commission has a new TCAL (Tax Credit Advance Loan) program to assist with the down payment on a mortgage.

The program that has been making headlines is the American Recovery and reinvestment Act of 2009 which provides up to 8000 in tax incentives for first time homebuyers. The TCAL program allows buyers to apply some of this money at closing, instead of waiting until after the sale which will help borrowers with the downpayment due at closing.

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Home Buyer Tax Credit Extended

November 10th, 2009 · Uncategorized

The Home Buyer Tax credit will be  extended. The present $8,000 tax credit for first-time home buyers will be extended through April 30, 2010.

Current homeowners are eligible for a $6,500 tax credit through April 30, provided they have lived in the home they are selling, or have sold, as principal residence for five consecutive years in the past eight years.

Income limits for eligible home buyers are expanded to $125,000 for single buyers and $225,000 for couples. The purchase price of the home cannot exceed $800,000.  To help guard against fraud, buyers are required to attach documentation of purchase to their tax return.

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Buying a home?

September 13th, 2009 · Uncategorized

Sign up for Listingbook!
Listingbook provides Web access to the MLS (Multiple Listing Service) with tools to compare properties, search recently sold, currently for sale, see pictures, price, square footage, number of bedrooms and bathrooms, plus so much more.
You can save your search criteria, set up auto searches and emails, save properties in a favorite folder, and once you find a property that you like, Listingbook gives you the same tools many real estate professionals use when preparing CMA (Comparative Market Analysis reports).
Your account is free and loaded with powerful and helpful tools you will not find in any other service. It is extremely easy to use.

Why am I investing in this tool and offering it as a free resource to my clients? Because I really believe in helping you with your real estate needs and I understand that many people want the option to research and learn on their own before contacting an agent for professional assistance.

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Going Mobile – Search for homes on your mobile phone

September 12th, 2009 · Uncategorized

Coldwell Banker Gundaker is offering a free application that allows you to search for real estate listing while on the go.

Using your cell phone you can search the MLS system for properties near your current location, or type in your own criteria to find homes just as you would from your home computer. Searching for property while you are already out and about is a powerful way to help you find your new home.

To download the application, go to Coldwel Banker Gundaker’s site and Click on the Go Mobile link on the right side of the page.

Be sure that you are aware of the costs your cell phone company might charge for using this service. See the applications website for more details.

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Open House list now has it’s own permanent page

September 12th, 2009 · Uncategorized

The open house listing now has it’s own permanent page which will be updated by Friday of each week for the upcoming Sunday.


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Short sale option vs a foreclosure

August 26th, 2009 · Uncategorized

The US Governments ‘Making Home Affordable‘ program assists with loan modification and loan refinancing options to keep you in your home. Go to http://www.makinghomeaffordable.gov/ for more information on this great program.

However, if you have tried the Making Home Affordable Program without success and you are in a situation where you are unable to make your mortgage payments, a short sale may be an option to avoid a foreclosure.

A short sale has some advantages over a foreclosure in that it minimizes the damaging impact to credit: Foreclosure can remain on your credit for up to seven years while a short sale usually gets reported as a “settled debt” and is significantly less damaging. With a short sale, your FICO score will not be as negatively impacted as it would be with a foreclosure.

Minimize financial exposure/liability: In many foreclosure situations, the lender will end up selling the property at a huge loss of money and time once they foreclose and repossess the property. The homeowner can be left financially liable to the lender. While the same may be true with a short sale, the difference is with a short sale the homeowner is still involved in the process and can therefore contribute their input and have more control over the sale price of the property and the potential associated liabilities. In a foreclosure, however, once the lender repossesses the property and the homeowner is typically defenseless with respect to what follows.

You can find more information on the short sale process at www.willfrost.com

Managing the short sale process is time consuming and a lot of work. If you are considering this option, give me a call at 314-620-6822 and we can discuss your individual situation to see if this is a right course for you.

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Income Limits for First Time Home Buyer Program

August 23rd, 2009 · Uncategorized

The income limits to receive the full benefit of the first time homebuyer tax credit program good through November 30th 2009 is $75,000 for single borrowers and $150,000 for joint borrowers that file a tax return together.

For modified adjusted gross income levels above those limits, the credit is adjusted incrementally and eventually falls to zero at the $95,000 level for single and $170,000 for joint borrowers.

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Webster Groves MO Open House List for August 23

August 19th, 2009 · Uncategorized

Homes for sale in the Webster Groves School District
Address City Zip List Price Open
815 Pine Tree Ln Webster Groves 63119 $184900 Sunday 12-2
1303 Monier Plc Glendale 63122 $199900 Sunday 2-4pm
7408 Lansdowne Ave Shrewsbury 63119 $239900 Sunday 2:30-4:30
8 Webster Acres Webster Groves 63119 $254900 Sunday 1:00 – 3:00
453 Jackson Rd Webster Groves 63119 $399000 Sunday 1-3 P.M.
326 Simmons Ave Webster Groves 63119 $425000 Sunday 2-4pm

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Kirkwood MO Open House list for Sunday Aug 23rd

August 19th, 2009 · Uncategorized

School District: Real Estate in Kirkwood MO

425 Geyer Rd E Kirkwood 63122 $123000 Sunday,Tuesday 1:00-3:00
210 Harrison Ave 7 Kirkwood 63122 $138500 Sunday 1-3pm
617 Knierim Kirkwood 63122 $154900 Sunday 1-3
1902 Meadowtree Ln 6 Kirkwood 63122 $179000 Sunday 1-3pm
117 Clinton Plc 6 Kirkwood 63122 $179900 Sunday 2-4
1 Lamertin Ln Oakland 63122 $234000 Sunday 1-3pm
15 Marjean Ct Kirkwood 63122 $289900 Sunday 1-3pm
1154 Folger Ave Kirkwood 63122 $299900 Sunday 1-3pm
1 Berry Wood Dr Glendale 63122 $309500 Sunday 2-4pm
310 Oakley Ln Kirkwood 63122 $317750 Sunday 1-3pm
10 Garden Ln Kirkwood 63122 $329900 Sunday 1-3pm
12160 Old Big Bend Rd Kirkwood 63122 $433900 Sunday 1-3pm
216 Altus Kirkwood 63122 $479000 Sunday 1-3pm
12018 Manhattan Plc Des Peres 63131 $559900 Sunday 2-4
714 Fuhrmann Glendale 63122 $629000 Sunday 1-3pm
446 Miriam Ave Kirkwood 63122 $859900 Sunday 1pm – 3pm

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Building your Credit Score for first time home buyers.

August 19th, 2009 · Uncategorized

Your credit score is out there representing you to whoever cares to look. This impacts nearly every financial move you make and is one of the key pieces of the credit decision making puzzle. But as my son found out upon his recent college graduation, how do you build a good credit history if you don’t already have one? The credit markets are tight, and very very restrictive.

For the first-time home buyer, creating or improving a credit history is often a top priority. Here are some ways to build or repair a credit profile.

The easiest and quickest place to start, is with your bank.
Having a good long standing relationship with your bank is one of the best ways to grow your credit record as this normally allows you to obtain a bank card.
You can also get a secured credit card or bank loan against a deposits that you have at the bank. With this process, you are guarnteeing any balance on the card with the money you have in your deposit account. Secured cards are a great option if you are unable to secure credit any other way. Just make sure that your bank reports the secured account to a credit bureau.

A second option is a store credit card
These credit cards are becoming harder and harder to obtain, however, often they are easier to obtain than other accounts. Unfortunately, you will end up paying a hefty interest rate when you are still establishing credit. After six to twelve months, once you’ve established some credit history with your bank of the department store, you are often able to obtain a lower rate. Having a long-term relationship with a creditor, whether or not you use it, is another way to increase your credit score.

A third way to increase your credit, is to become an authorized signer on another persons account.
Becoming a signer on a relative’s existing account allows you to reap the benefits of someone else’s good credit and this helps you establish credit for yourself.

Last, continue to practice good credit habits
Once you’ve established a credit profile, continue to slowly build solid credit habits by keeping your debt in line, charge only what you can pay off each month, and if you make any large purchases, make sure they are for less than thirty to forty percent of the total balance and pay this down as quickly as you can. The standard are changing all the time, but lenders like to see at least two years of good credit history before considering offering a loan.

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Preparing your home for showing

August 17th, 2009 · Uncategorized

Here is a quick list on preparing your home for sale. These items make a huge difference, especially in todays market where buyers have a lot of inventory from which to choose.

1. We are all affected by light levels, and bright homes create a positive image in buyers minds. Buy high-intensity light bulbs and be sure to clean all light shades and covers.
2. Buyers notice especially clean homes. Do a “spring cleaning” throughout… no matter what the season is. Give special attention to the following: windows and screens, counter and appliance tops, mirrors, ovens, sinks, toilets and tub/shower areas.
3. Buyers notice clean windows, freshly laundered drapes & curtains.
4. Buyers notice freshly cleaned carpets and waxed floors. Replace or repair damaged areas of the floor or floor covering.
5. Buyers notice spacious rooms; arrange furniture and decorations to improve each room. Remove unnecessary items that don’t fit in.
6. Buyers notice colors that will blend with their decor and furnishings. Consider brightening things up with a fresh coat of paint. Think white, off-white or beige. Such colors make a room look bigger and brighter, and these colors are most likely to go with the new buyer’s furnishings.
7. Buyers notice closet & cabinet space. Neatly arrange everything in your closets, cabinets and other storage areas including the basement and garage. Get rid of all unnecessary items.
8. Buyers pay attention to tiny details. Fix all of the “little things”… loose door knobs, leaky faucets, towel racks, clean and repair caulk areas.

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Webster Groves Sunday Open House List for August 16th

August 14th, 2009 · Uncategorized

School District: Webster Groves Saint Louis Missouri
Address City Zip List Price Open
414 Kirkham Ave Webster Groves 63119 $99900 Sun 1:00-3:00
1510 Pinetree Ln Webster Groves 63119 $174900 Sun 1:00-3:00
815 Pine Tree Ln Webster Groves 63119 $184900 Sunday 12-2
7408 Lansdowne Ave Shrewsbury 63119 $239900 Sunday 1-3
408 Larkhill Ct Webster Groves 63119 $249900 Sunday 1-3pm
8 Webster Acres Webster Groves 63119 $254900 Sunday Noon – 3:00
1445 Andrew Dr Warson Woods 63122 $269000 Sunday 1-3
525 Clark Ave Webster Groves 63119 $349000 Sunday 1-3
453 Jackson Rd Webster Groves 63119 $404900 Sunday 1-3
326 Simmons Ave Webster Groves 63119 $425000 Sunday 2-4
507 Meadow Creek Ln Warson Woods 63122 $559000 Sun 1:00-3:00

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