Wednesday, November 30, 2016

great 2 bedroom/1 full bath condo with an open floor plan - Free Classifieds | RiverBender.com

great 2 bedroom/1 full bath condo with an open floor plan - Free Classifieds | RiverBender.com: Just a few minutes walk to either the Park or Downtown Kirkwood, this is a great 2 bedroom/1 full bath condo with an open floor plan with an updated kitchen (all appliances and window treatments are included) and wood laminate flooring and carpeted bedrooms. The Master bedroom encompasses a large 8 x 6 walk-in closet with shelving that is mobile and versatile. It doesn’t stop there, the over sized bathroom has a tile floor and a large closet. You will enjoy the convenience of the main floor laundry room which includes a newer washer and dryer unit. There is also a beautiful sliding glass door that leads out to the private balcony to enjoy peaceful Kirkwood. Finally, this unit comes with a storage locker and an assigned space under the covered carports. This one is priced to sell so don't delay.

To view call 314-486-5656.





Laura Ludwig
http://www.lauralei.net
314-503-1186

Ask about our$195 Flat Fee MLS ListingsLauralei Properties, LLC

Monday, November 21, 2016

Exceptional two story home on a tree lined cul-de-sac - Free Classifieds | RiverBender.com

Exceptional two story home on a tree lined cul-de-sac - Free Classifieds | RiverBender.com: Exceptional two story home on a tree lined cul-de-sac in a highly sought after West County neighborhood. The entryway opens into a spectacular two story foyer with custom tile flooring and turned staircase. The main floor boasts a freshly updated kitchen with gorgeous granite countertops and brand new stainless steel appliances. The large custom designed double deck is perfect for entertaining with a secluded tree lined view. The upstairs includes a large master suite with a luxury bath and jacuzzi tub, separate shower and double sink with plenty of cabinet space plus three additional spacious bed rooms. The lower level comes with a huge finished, walk out basement with full bath, plenty of space for both game room, office or additional bedrooms and plenty of storage. An easy to maintain yard and hassle free landscaping gives you more time to do the things you enjoy. This is a turnkey must see home! It is located at 1759 Warmington Ct. Ballwin, Missouri in the Parkway School District.




To view call 314-503-6430


Laura Ludwig
http://www.lauralei.net
314-503-1186

Ask about our$195 Flat Fee MLS ListingsLauralei Properties, LLC

Monday, November 07, 2016

BEAUTIFUL REHAB....MUST SEE INSIDE! - Classified Ad

BEAUTIFUL REHAB....MUST SEE INSIDE! - Classified Ad













BEAUTIFUL REHAB....MUST SEE
INSIDE! 3 BR 2 BA ranch on almost .5 acre on quiet dead end street in
a great Webster Groves area. 1851 sq. ft. home was renovated inside
and out w/refinished hrdwd floors, master bath, renovated existing
bath, roof, energy efficient double hung windows, HVAC, vinyl siding,
aluminum soffits, fascia and gutters. Updated electric and PVC
plumbing. Open floor plan w/generous sized Living Room w/woodburning
fireplace to Dining Room, featuring crown moulding, and adjoins a
large updated kitchen, featuring newer cabinets, granite countertops,
tile backsplash and SS appliances (5 burner gas stove, microwave,
dishwasher and fridge) and recessed lighting. Brkfst area w/French
doors open to the deck, level fenced back yard. Divided BR floor
plan, Master BR suite w/newly added bath w/double bowl vanity,
ceramic flooring and shower/tub combo. Charming Glass enclosed
wrap-around porch w/A/C and heat and door to driveway. Close to Rec
Center, I-44 and Metro Link station.












To
view call 314-276-2606


140
Cottage Ave
Webster Groves,
Missouri 63119














314-503-1186






Ask
about our

$195
Flat Fee MLS Listings

Lauralei
Properties, LLC

Saturday, November 05, 2016

How long do homeowners stay in their home?

The National Association of Realtors (NAR) keeps historic data on many aspects of homeownership. One of the data points that has changed dramatically is the median tenure of a family in a home. As the graph below shows, for over twenty years (1985-2008), the median tenure averaged exactly six years. However, since 2008, that average is almost nine years – an increase of almost 50%.
How Long Do Families Stay in a Home? | Keeping Current Matters

Monday, October 17, 2016

USDA Loan Fees Have Been Reduced!

As of October 1, 2016, both the upfront “USDA Guarantee Fee” and monthly fee for purchase and refinance loans decreased.   The upfront Guarantee Fee was reduced from 2.75% to 1% and the monthly fee decreased from .50% to .35%. 

Image result for usda loan

The comparative savings for your USDA buyers in the chart below are based on a sales price of $150,000 and today’s 30-year fixed USDA interest rate of 3.250%.


OLD
NEW
Loan Amount
$154,241

* $150,000 purchase price +
2.75% Upfront Guarantee Fee
$151,515

* $150,000 purchase price +
1% Upfront Guarantee Fee
Total Estimated Mo. Payment
$984.95

* includes estimated real estate taxes & homeowners insurance
$953.19

* includes estimated real estate taxes & homeowners insurance


BENEFITS OF USDA FINANCING:
·         No money down / 100% financing
·         No purchase price limit or maximum loan amount
·         St. Louis County & St. Charles County Income limits for households of 1-4 occupants = $80,920;  5+ occupants = $106,850

Did you know....?

Flat Branch Home Loans is the second largest provider of USDA financing in Missouri.  Our expertise with this loan product and eligibility has made Flat Branch Home Loans a top choice for buyers who want a smooth loan transaction with no surprises or issues.

The seller can pay up to 6% of the sales price to cover closing costs and escrow fees at closing for a USDA buyer.  This allows a USDA buyer to purchase a home with little to no money out of pocket on the day of closing.

Buyers must purchase in a USDA-eligible area. Some areas of St. Charles County are eligible for USDA financing.  To determine if a property is eligible you can visit USDA’s eligibility site by clicking here.


https://lh4.googleusercontent.com/-jcobKLKyFrQ/AAAAAAAAAAI/AAAAAAAAABA/yRMqzMOXoFk/photo.jpg
Amy Hess
Senior Mortgage Banker
Flat Branch Home Loans
16150 Main Circle Dr. Suite 220
Chesterfield, MO. 63017
Work: 314-872-0998 ext. 2586 | Mobile: 573-291-2704 | Fax: 314-219-8575
NMLS ID: 58000 | Company NMLS: 224149
ahess@flat-branch.com | flatbranchhomeloans.com
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Friday, October 07, 2016

Welcome home to this 5 bedroom 3 Full bath with over 2000 sq ft of living space.

Welcome home to this 5 bedroom 3 Full bath with over 2000 sq ft of living space. This home was professionally refinished complete with 42" cabinets, granite counter tops, stainless appliances. Updated baths with ceramic tile and vanities. All new 6 panel doors, carpet, Laminate flooring, fresh paint. HVAC, Plumbing and electric with 200amp panel all new. Entertain on your brand new deck off the kitchen or straight from the walkout lower level. Basement is also been finished with new tile floors and new carpet. Relax and move right in. New vinyl siding, garage door, and roof. Great location within minutes of Creve Coeur lake, Maryland Heights rec. center and lots of shopping and restaurant's. Make your appointment today. This completely updated house will not last long.

2234 Arborview Dr, Maryland Heights 63043









314-503-1186

Ask about our
$195 Flat Fee MLS Listings
Lauralei Properties, LLC

Monday, October 03, 2016

MHDC’s newest grant program called “Next Step


MHDC’s newest grant program called “Next Step” now allows non-first time homebuyers to qualify for down payment assistance with a higher income restriction!  Check out the attached information sheet to compare the two MHDC grant program options currently available for your buyers.

Now ANY HOMEBUYER looking to purchase their primary residence can potentially qualify for MHDC’s newest grant program called MHDC Next Step!

MHDC “Next Step” Program Features:
1.      Grant is equal to 4% of the borrower’s base loan amount
2.      Higher Household Income Limits:  $84,360 for 1 – 2 persons; $98,420 for 3+ persons
3.      Higher Purchase Price Limits:  $312,368 for a one-unit property
4.      Two year forgivable down payment assistance grant
5.      Available to use with Conventional, FHA, USDA, and VA financing options
6.      Rates will adjust daily.  Contact me directly to find out current rates!

Let me know if I can help your buyers currently shopping for homes get pre-qualified for this program.

https://lh4.googleusercontent.com/-jcobKLKyFrQ/AAAAAAAAAAI/AAAAAAAAABA/yRMqzMOXoFk/photo.jpg
Amy Hess
Senior Mortgage Banker
Flat Branch Home Loans
16150 Main Circle Dr. Suite 220
Chesterfield, MO. 63017
Work:
314-872-0998 ext. 2586 | Mobile: 573-291-2704 | Fax: 314-219-8575
NMLS ID: 58000 | Company NMLS: 224149
ahess@flat-branch.com | flatbranchhomeloans.com
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http://www.fbtreehouse.com/wp-content/uploads/2014/09/button_apply_up.png