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Unfortunately, it's that time of year! Winter weather can strike at any time, even when it's 60 degrees the day before! While there is no need to panic about this week's upcoming storm, it is a great reminder to stay prepared year-round for emergencies if it ever has to come to one. Keep reading to hear our winter weather preparation to keep you safe and warm. <h2>Download a reliable radar app. </h2>Being aware of how the weather is predicted to change is an essential step in staying prepared. Most phones' generic weather apps don't cut it when it comes to the details of exact times and precipitation levels. We recommend the KY3 Weather App. Download it<a href="https://apps.apple.com/us/app/ky3-weather/id467154094" rel="noopener noreferrer" target="_blank"> here.</a><h2>Download the MODOT app.</h2>This app is a great tool for checking road conditions and their clearance levels in case you do have to go out during or after the storm. Download it <a href="https://apps.apple.com/us/app/modot-traveler-information/id568051012" rel="noopener noreferrer" target="_blank">here.</a><h2>Fully charge your phone.</h2>Make sure your phone has plenty of charge in case the power goes out and you need to make an emergency call. Powerbanks are also a great investment for times when electricity is unavailable. Make sure you charge these power banks beforehand as well!<h2>Fill up your tank.</h2>It's always a good idea to make sure you have enough gas to get around, especially during the cold winter months. Keep at least half a tank of gas in your car at all times in case you are to break down or need to make an emergency trip without being able to stop.<h2>Stock your first aid kit.</h2>While this is something that you should have stocked and ready at all times of the year, it is most important to have it full when you may be stuck in the house for a period of time.<h2>Stock your prescriptions.</h2>Make sure you have at least a week's worth of your needed prescriptions going into the storm. <h2>Keep your faucet dripping.</h2>To avoid having your pipes freeze, leave your faucet on a cold water drip.<h2>Examine your yard.</h2>If you see any weak limbs that could be likely to fall on your home or roof, make sure to trim them.<h2>Invest in a generator.</h2>If your power goes out and you don't have a fireplace, you may need a generator and electric heater to keep your home warm. We hope you've found these tips helpful and informative! Stay safe and warm!

Staying Prepared: Winter Weather

What is a buyers agent? Is that just another word for a real estate agent? Short answer, no. A buyers agent or buyers&nbsp;specialist&nbsp;specializes and represents the buyer in a real estate transaction. The agent is still licensed and knowledgable in all aspects of the real estate realm, but this specialization is what sets them apart and really makes them a great asset for anyone interested in&nbsp;buying&nbsp;a property.&nbsp;Continue reading for more on how a buyers agent elevates your home search.<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/Blog%20Post%205.png/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280">IT'S FREEEveryone's favorite word...but I know what you're thinking: "what's the catch?" There truly isn't one. 99% of the time a buyers agent's commission is paid for by the seller. Should you choose to buy from a For Sale By Owner (FSBO), do carefully read the contract because a seller may explicitly state that he or she will not pay any commissions. Otherwise, most contracts are written up with the help of multiple professionals in the industry and it's customary for the seller to pay such fees. A buyers agent not only operates free to save money for you, but is always working on the backend to spot any additional hidden costs that may arise.&nbsp;LOCAL KNOWLEDGE"The Lake" is a generalized term comprised of 8+ areas all within 4 minutes to an hour+ of one another. Within those areas? Multiple school districts which have a high impact on home values and desirability. Simply put, you need someone who knows&nbsp;the lake,&nbsp;not "The Ozarks." A local buyers agent is going to know the pros and cons, ins and outs and market value of the homes sitting within each of these locations. You as the buyer will give your agent a list of desires you have within a given area and the agent will hone their skillset and knowledge to find exactly what it is you're looking for. Prices low? Too high? They know the&nbsp;market values, an important aspect of the home buying process.EMOTIONAL CONTROL + NEGOTIATIONSHigh-stress situations, like buying a home, have the ability to blur our vision and provoke us to act out of emotion rather than rational reasoning. A buyers agent, an outside source with only a piece of your pie, will keep those emotions in check and be the voice of reason you need. They have your best interests in mind and will always consult you before making any final decisions. Ultimately, having a calm, cool and collected voice interacting in the decision-making process ensures you are taken seriously and not taken advantage of. Their ability to remain calm and level-headed plays a vital role in the negotiation process. This includes anything from repairs to property pricing. Your agent will have a list of contacts he or she has made past connections with when it comes to repairs. They have worked with an abundance of outside service companies and a top priority is to keep cost low and reward high. As far as property pricing is concerned, an agent will jump on a negotiation conversation should you fall in love with a home they feel is overpriced. They utilize Comparative Market Analysis (CMA) to show seller's a price is too high and employ financial strategies you may not have experience with.RESOURCESA buyers agent brings a network of connections to any transaction. These connections extend from other agents in the business to those service companies we indicated above. Your buyers agent has a relationship with most listing agents that allows them to reach out and discuss any specific questions about a property and troubleshoot potential problems they see before they arise. This keeps your emotions in control by being proactive and solution-based and keeps your experience a seamless one. These buyers agents have access to inside information about homes before they ever make it to market and are working tirelessly to find a property that hits all of your wants and needs criteria.&nbsp;INVESTMENT KNOWLEDGEAs a buyer, you will likely get lost in the picture you have in your head of making a home yours with your family...especially if your buyers agents matches all of the criteria you listed as your "dream home." This is not at all a bad thing and very common, but your buyers agent will see the red flags and warning signs that someone who's attached to a home will not. These warning signs are not always visible or easy to spot, so it's vitally important to have someone by your side guiding you to ask the right questions.Are you looking for your next home or investment opportunity? Let us know if you have any questions on what else to look for in a buyers agent in the comments below! We just so happen to know a few ;)

Top Reasons to Hire a Buyers Specialist l The Role They Play

The bitterly cold January weather has us taking back every complaint we uttered about the heat of a LOZ summer. While we daydream of a COVID-free summer, we wanted to share some of our favorite lakeside activities that are socially distant approved. There are so many ways to enjoy lake-area business and activities without compromising your personal space, despite what you may have seen on social media and the news just a few months ago. Keep reading for 7 ideas to add to your itinerary for your next lake visit!<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/Blog%20Post%206.png/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280">1. BOATING + WATERSPORTSA no-brainer-- the best way to enjoy what the lake has to offer is to get out on the water! From skiing and wakeboarding to surfing and tubing, you don't need to leave your boat to have an activity-filled day on the water. Should regulations remain the same, lakeside restaurants will be open next summer. Want to avoid the crowd? Pack a picnic dinner and catch the sunset on the water (the best view in the house). When it's time for gas, most docks have attendants who will do all the work for you. If you're looking for a more contactless fill up, you may try a 24-hour dock. A few options include Camden on the Lake at the 7mm, Village Marina at the 3mm, or Brideview Marina in the Glaize Arm. Don't have your own boat? There are boat rental companies and charter services across the lake-area.&nbsp;Bombay Boat Rental and Play Date Charters are great options to look into.2. FISHINGA versatile hobby that can take you from the boat to the shoreline! Whether you choose to float down the Osage River, or throw a line from your dock on the lake-- the fish are biting year-round at the LOZ. The waters are home to an assortment of bass, crappie, catfish and bluegill and are what a fisherman's dreams are made of. The best kind of hobbies are the ones that can reel in some cash, too. The lake hosts several multi-day fishing tournaments throughout the summer and winter months like the Big Bass Bash that takes place at Alhonna Resort. Don't know the lake well enough to scope out the best fishing spots? Checkout one of the many fishing guide services. From Barber Fishing Guide Service to James and Dennis Dill Guide Service-- you won't come up short with lake experts.3. HIKINGThe beauty of the Lake of the Ozarks can most clearly be seen on the trails of HaHa Tonka State Park. The combination of hills and steps make it easy to break a sweat and get a good workout in while taking in the colors nature has to offer. The park covers 3,700 acres of the Niangua Arm. It features a natural bridge, castle ruins, caves, bluffs and Missouri's 12th largest spring. Not looking to travel quite that far? The Lake of the Ozarks State Park also offers a variety of trails with varying terrains and difficulty levels. If you've got little kiddos, you might visit Peanick Park shortly after you turn onto Hwy 42. Here you'll find two separate playground sets, a picnic area and ballfields.&nbsp;4. GOLFINGCatch a tee time at one of 13 maintained golf courses across the lake! Much like our sacred hobby of fishing, there are an abundance of opportunities to join in on a charity tournament for a good cause, too! Each range offers a unique experience with varying displays of difficulty levels. If you're interested in planning a weekend around the course itself, there are&nbsp;8 lodging accommodations with golfing on site as well. For more tips on the lay of the land, GolfingMissouri.com puts together a guide each year breaking down each course, fees, locations and accommodations. The 2020 Lake of the Ozarks Golf Trail Guide can be found<a href="https://golfingmissouri.com/wp-content/uploads/2020/06/2020_LakeoftheOzarksGolfTrailGuide.pdf" rel="noopener noreferrer" target="_blank">&nbsp;here</a>.&nbsp;5. HELICOPTER TOURSWant to see the lake from a bird's eye view? Lake Ozark Helicopters can help with that! Centrally-located this business has 5 family-fun packages for all price points. For just $29/person you'll travel 6 miles up above and across the lake seeing businesses and boaters. At $69/person you'll get unparalleled views with the Bagnell Dam Special. This trip takes visitors about 19 miles to the Bagnell Dam and Banell Dam Strip, to the glamorous homes in Millionaire's Cove and back around to the Grand Glaize Bridge and outlet mall for a complete 360-aerial view of the beautiful Lake of the Ozarks. The priciest of the packages at $179/person (but a once in a lifetime experience) you'll get the "Ultimate Tour." For approximately 40-50 miles, you'll get the chance to see everything listed above as well as four golf courses, resorts, restaurants, a winery and more! Visit their&nbsp;<a href="https://lakeozarkhelicopters.com/" rel="noopener noreferrer" target="_blank">website&nbsp;</a>to schedule a tour and view a photo gallery from past flights.&nbsp;6. SPA DAYTreat yo'self with a little R&amp;R lakeside! The lake is known for its laid-back and carefree lifestyle, so of course there's plenty of spots to kick your feet up with your besties and get pampered. Want an all-inclusive experience? Much like several of our golf courses, a fair amount of lakefront resorts also support their own health and wellness spa in house! Some of these places include The Lodge of the Four Seasons, Margaritaville Resort and Camden on the Lake. Of course, there are also stand-alone locations spread throughout the lake area for everyone's locational needs. Some of our favorites are Lux Spa and Beauty and Serenity Medical Spa. The spas at the lake offer unique top of the line technology you likely haven't experienced anywhere else. Try an isolation float tank with Infinity Float Spa, or grab a wellness boost IV from New Springs Wellness Center!7. CAVE TOURMaybe you want to take your hiking to the next level with a guided cave tour. You'll find there's likely an option close to where you're staying and this would be a quick activity to squeeze in after a day on the water before a lakeside dinner! With caves in Linn Creek, Camdenton, Versailles and Eldon-- you could make a whole trip of it. If you time your visit just right, you may even catch some shopping at Jacob's Cave. The first and largest commercialized cave in the lake area, Jacob's Cave is also the site of "Jacob's Cave Swapping Days," an animal swap meet started in 1979 that is now held 3 times a year. Several of the caves also hold various events throughout the year, like the escape room partnership with Lake Escape at Stark Caverns. You can visit each of the cave's websites for additional pricing info, directions, hours of operation and event schedules.Are you daydreaming of your next lake weekend? What do you have on your itinerary (hopefully some of these neat places!) Drop a comment below and let us know.&nbsp;&nbsp;

How To: Spend a Weekend at Lake of the Ozarks

In a time of low inventory and high demand, buying a home at any stage of life can be overwhelming. Add the limitations of what you can afford with being a first-time home buyer and trying to do things the "right" way? It's easy to feel defeated. That's where we come in. Of course, we always recommend first reaching out to a local realtor with all your wants and needs so they can begin keeping an eye on homes before they hit the market and utilizing inside information and connections. That's just the first step, however. Today we bring to you 10 tips you can already start doing to kickstart your&nbsp;first&nbsp;home buying success.<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/Blog%20Post%207-0001.png/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280">1. PAY OFF DEBT &amp; BUILD AN EMERGENCY FUNDOwning a home is expensive and while it's a great investment for your future and will save you money in the long run, initial upfront costs differ greatly from the renting lifestyle you may have been experiencing prior. You're now responsible for all maintenance and upkeep costs-- which can add up fast! Paying off credit card debts and any IOU's should be of upmost importance. While monthly payments add up (electric, car, insurance), your credit card bills shouldn't! After you accomplish this, you'll then be able to start building your emergency fund. This should be money you've set aside in a special account or safe that will set you up with 3-6 months of expenses in place. The best tactic to ensure you're keeping off debt and not re-racking up those credit card expenses is to set a budget after payoff! There are an abundance of apps and tools you can use right from your phone to manage your income vs spending habits and necessities. Figure in the amount going straight to your emergency fund each month and TA-DA minimal math included. Changing our habits isn't always as easy said as done, you may consider additionally picking up a hardback or e-book to first understand why your bad habits exist in the first place and how to figure out where your money mindset comes from.2. CALCULATE HOW MUCH YOU CAN SPEND ON A HOMEOk, so we lied. There's a&nbsp;little&nbsp;math to be done here. Your monthly budget will help you determine this cost prior to falling in love with homes outside of your price range, but there's also some formulas to keep on hand that will help you determine what's best for your lifestyle. Your monthly housing costs shouldn't be more than your 25% of your monthly pay. This includes any HOA fees, insurance, etc. A great example taken from the king of finances, Dave Ramsey, goes as&nbsp;<a href="https://www.daveramsey.com/blog/tips-for-first-time-home-buyers" rel="noopener noreferrer" target="_blank">follows</a>:Assuming you bring home $5,000/month. Multiply that by your 25% to establish your maximum monthly house payment ($1,250). Let's say you've got a 15-year mortgage with a 4% fixed interest rate, this may be a good list of homes within your price range (not including insurance and other taxes)&gt; 188,000 home with a 10% down payment ($18,800)&gt; 211,000 home with a 20% down payment ($42,000)&gt; 241,400 home with a 30% down payment ($72,400)&gt; 281,600 home with a 40% down payment ($112,640)Please remember that these are ballpark numbers and you should always check with a financial advisor and calculate property taxes and homeowner's insurance into this balance as they will affect your monthly payment as well.3. SAVE FOR YOUR DOWN PAYMENT &amp; CLOSING COSTSWhile it's recommended to have a down payment saved of 20% or more, if that's not in your family's financial timeline, it doesn't have to be. There are loan programs you can consider that allow you to buy a home with a significantly less percentage down. You'll want to ask your mortgage lender what your first-time home buyer options are and the programs set in place within your state. Of course, a bigger down payment will get you a lower mortgage rate and allow for more affordable monthly payments. Saving for a bigger down payment also takes more time and depending on your family's needs at that very moment, waiting may not be in your best interest. Additionally, rates are constantly changing and the housing market is fluctuating. Waiting could ultimately mean you're paying more money elsewhere in the process as well. All in all, you just want to be sure you're securing a payment you feel financially comfortable to pay each month. Your&nbsp;<a href="https://www.realtor.com/advice/buy/reduce-closing-costs/" rel="noopener noreferrer" target="_blank">closing costs</a>&nbsp;on average consist of 3-4% of the purchase price of your home. Your lender will give you this exact cost prior to closing but this is what it covers:&gt; Appraisal&gt; Home Inspection&gt; Credit Report&gt; Attorney&gt; Homeowner's Insurance4. LOOK AT NEIGHBORHOOD STATSThis topic is so important that we recently dedicated an entire blog post strictly to&nbsp;how&nbsp;to find up and coming neighborhoods. You can find that post&nbsp;<a href="https://lakeoftheozarksliving.com/blog/f/tips-tricks-finding-the-next-up-and-coming-neighborhood" rel="noopener noreferrer" target="_blank">here</a>. Size and condition of the home should not compromise the school districts and quality of the neighborhood it's in. Ultimately, these two factors are what will drive up resale costs in the long run and you always want to be making money, not losing it. Our best tip for finding a quality neighborhood within your budget would be to look right outside the "hot" neighborhoods in your area. Prices will be lower, but you won't lose that same access to school districts and the likelihood that those neighborhoods will then overflow into yours, driving up home resell values, is strong.5. GET PREAPPROVED FOR YOUR LOANRead this one twice. If you takeaway one thing from this post, please let it be this. Before you even begin viewing houses online and in person, having a preapproval letter in hand from your mortgage lender is going to put you that much further ahead-- especially as a first timer. This shows the sellers you encounter that you're not only prepared, but that you're a serious buyer who won't be wasting their time. Regardless of the experiences competition looking at the same home, having a preapproval letter they don't could ultimately be a deciding factor on who the seller chooses to move forward with. Your lender will tell you what documents you'll specifically need for preapproval, but we also have a post breaking down what&nbsp;<a href="https://lakeoftheozarksliving.com/blog/f/whats-it-take-mortgage-pre-approval-vs-pre-qualification" rel="noopener noreferrer" target="_blank">preapproval</a>&nbsp;is and how to prepare for that visit.Ready to take the leap? Buying a home is a BIG purchase and maybe the biggest one you'll make. Comment your favorite takeaway below and then give us a call so we can start assisting you with your search and professional connections -- 573.746.2532!

Tips for First-Time Home Buyers

February kicks off next week meaning March (aka the start of tourism season) is just on the horizon. You'll begin seeing some of your favorite lake spots extending hours as the nights grow longer and the weather warmer. Something you may have not thought about? There's opportunities to get in on the action&nbsp;right now.&nbsp;This week we're going to list off 5 lake spots that are currently on the market and ready to see what summer 2021 at the Lake of the Ozarks can bring.&nbsp;*Please remember this is not a comprehensive list. Information herein is deemed reliable but not guaranteed.*1. THE DUCK FINE DINING RESTAURANT<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/AR-141208932.jpg/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280"> Located at 67 Cherokee Court on the bend, this 600 feet of commercial lakefront property is already perfectly positioned for a boutique business. This property is formally known as The Duck Fine Dining Restaurant, one of the lake's most elegant waterfront dining establishments. The listing comes with 3 parcels:&nbsp;- the restaurant with all equipment, wave break and docks included-a home with a renovated kitchen, two-car garage, guest suite, storage shed and 2-well dock-an additional lakefront lot for whatever you dream up nextThis&nbsp;<a href="https://thesalisburyteam.kw.com/property/LST-6755891291564371968-4" rel="noopener noreferrer" target="_blank">property</a>&nbsp;is currently listed at $1,775,000 for 4,111 square feet on 1.7 acres.2. PAPA CHUBBY'S AND PEACEFUL VALLEY RESORT &amp; RV PARK<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/photo.jpg/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280"> Located right across the channel from ever-busy Margaritaville, this quaint restaurant and bar is well established. Unique from industrially-built hotspots populating the lake, Papa Chubby's and Peaceful Valley truly give you the feeling of being on "lake time," without compromising luxuries and amenities. The property includes a full turnkey lakefront restaurant featuring two bars, commercial kitchen, outdoor stage and beach area. Additionally, Peaceful Valley offers 5 furnished rental cabins, 54 RV sites with hookups, three bedroom home, shower house and more. Situated on 90 acres at $5,000,000 -- this&nbsp;<a href="http://www.papachubbysloto.com/mls" rel="noopener noreferrer" target="_blank">property&nbsp;</a>is ready for commercial investment before summer hits.3. MEXICALI BLUES<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/mexicali-blues.jpg/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280"> Sitting just off of Highway 54, this well-known restaurant is perfectly aligned for optimal off-water visibility. It's actually the only turnkey restaurant operation in the entire Osage Beach area on Highway 54. The investor has the ability to buy and start immediately as the restaurant is set up and ready to go, or choose to utilize the 2.2 acres included in the listing to expand and create something new. Regardless, the key to business is location and this property has traffic from all sides. You can find the listing details&nbsp;<a href="https://www.lakeexpo.com/lake_of_the_ozarks_real_estate/housing/sale/commercial/6605-hwy-54-osage-beach-missouri-65065/realestate_91da079e-d9d7-5c2b-bf7f-86e2158444c4.html" rel="noopener noreferrer" target="_blank">here</a>. (Updated 1/18/22: This restaurant is currently closed)4. JJ'S AT THE COPPER POT (contingent)<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/GetMedia.jpeg/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280"> With clientele built up from as early as 2009, the Copper Pot is the only fine dining establishment on the West Side of the lake. With a remodeled bar and wine tastings and dinners offered, JJ's at the Copper Pot is known as the place to socialize. Main dining seats 100 with additional bar seating and overflow. Priced at just $649,750 -- it only makes sense there's opportunists jumping at this listing.5. BREEZY POINT RESORT<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/GetMedia%20(1).jpeg/:/rs=w:1280"> Every investor's dream -- a well-kept and remodeled mom and pop resort that hasn't been offered in nearly 40 years! The resort sits on a gentle 3.5 acre lot in the calm Little Niangua, making it the perfect retreat with close access to all the action. The buyer can live comfortably in the immaculate 3240 square foot lakefront home while guests enjoy cabins situated on the manicured lot with all the amenities. With a sandy beach, playground and protected swim area for the kids to the grilling areas and enclosed fishing for the dads -- there's a little something for everyone to offer here with a price of $1,600,000.&nbsp;Ready to make some money moves just in time for summer? All the signs are there. Comment below what you think would be the best investment opportunity at the lake!

Iconic Lake Landmarks: 5 Hotspots Up For Grabs

<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/Blog%20Post%208.png/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280">We may sound like a broken record at this point, but inventory is still low and demand is still high. The market is truly at its peak and, rightfully so, everyone wants a piece of the pie. Before you can cash in, however, it's important to avoid common mistakes many beginners make when they first start investing in real estate. Below, you'll find a list of 5 things to watch out for before making that commitment.1. EMOTIONAL ATTATCHMENT&nbsp;You want to love the property you buy. After all, you can't invest in something you don't believe or see potential in. The problem occurs, however, when you get emotionally attached to that property. Likely, your end goal is not to live in the home yourself. So, it doesn't make sense financially to let your emotions dictate a decision. When you allow your heart to do your thinking, your wallet pays the price. In most cases, you will succumb to paying more for a property than it is worth. Buying an investment property for the right price is the most important detail to lock in when you begin your investing endeavor.&nbsp;2. DON'T TAKE SHORTCUTS WITH YOUR RESEARCHAs a beginner, you initially won't know terminology and number diagnostics. Aside from this being a skill you will develop over time and with experience, it's important to turn to other experts in the industry. Read one marketing flyer? Listen to one speaker? Run one survey? You've chosen to take a shortcut and it will show. Don't assume every expert or expert source doesn't have its flaws. In fact, don't assume every two or three are perfect either. To be a well-rounded investor, you must fact check and verify the information you consume. Crunch your own numbers with the formulas you find. Compare speeches on similar topics being discussed. If you are armed with your own facts and confident in the time you've spent doing your own research -- you will catch mistakes and be steadfast in negotiations.3. BYPASSING WHAT'S IN YOUR BACKYARDProximity is crucial in any investment, regardless if you have a property management company hired or not. Ultimately, it is your money that has been spent and is continued to be spent. You&nbsp;will&nbsp;need to do your fair share of "check-ins" to ensure the property is being ran to your standards. It is simply not feasible to travel 3+ hours or catch a flight to examine how your property is being ran, or diagnose why it is not making a return on your investment. You must maintain a hands-on approach.4. STICKING TO YOUR GOALSOr having some in the first place. Without objectives in mind at the start of your investment, you are unable to hold yourself accountable for any progression. You can't have a plan without knowing what it is you're working towards and the steps it takes to get there. It is pivotal that you ask yourself trying questions prior to making any decisions (including what property you buy). Financially, you need to know what your return on investment is going to be and at what price you need to secure the property to make that happen. An investment will require renovations. How much money do you have to put towards these? What changes can you make within that budget and, more importantly, what problems are you unable to solve? Will you be the face overseeing the investment as it's ran, or do you plan to hire out locally?5. PREPARATION FOR LOAN APPLICATIONLoan pre-approval is a process and one that both the borrower and the property must qualify for. It's important that you know prior to your meeting what questions you will be asked as to assure your ducks are in a row and you're not missing an important piece of the puzzle. You don't want to get to contracts and find out that your loan is denied because criteria doesn't meet the lender's requirements. This can happen and you can't assume something won't slip through the cracks at the initial start of the process. The only way to guarantee credentials are verifiable across the board is to investigate the investment and your credit history prior to diving into a property commitment.Did you miss our last post? The lake is FULL of investment properties that are already well on their way. Drop which one you're looking at in the comments below!

5 Mistakes to Avoid when Investing in Real Estate

The kitchen is the focal point of any home and it becomes that much more important when it comes time to sell. Kitchen remodels can cost anywhere between&nbsp;<a href="https://www.homeadvisor.com/cost/kitchens/remodel-a-kitchen/" rel="noopener noreferrer" target="_blank">$12,000-$30,000&nbsp;</a>depending on the size of the space you're working with. If you've read some of our other posts, you know it's not in your best interest to make high dollar renovations to your home prior to selling. It is, however, important to make dollar productive updates that will increase the value of your home. Below, you'll find a number of ways to DIY your eating space without breaking the bank in the process.1. SPICE UP THE SINK<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/sink.jpg/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280"> The cheapest update you can give your kitchen in particular is a sink&nbsp;<a href="https://homeguides.sfgate.com/refinish-chrome-bathroom-fixtures-50591.html" rel="noopener noreferrer" target="_blank">facelift</a>. After years of use, a dingy sink can be a sore sight and an immediate focal point when a seller enters your home. Opting to reach for sandpaper and a can of spray paint designed for metal will save you the cost of a new one, but give it that new and refreshed look. If you're unsure of your ability to DIY, you may choose to change the faucet instead. It's best to&nbsp;<a href="https://www.deltafaucet.com/design-innovation/inspiredliving/timeless-kitchen-and-bathroom-trends" rel="noopener noreferrer" target="_blank">choose a fixture</a>&nbsp;that&nbsp;is timeless and won't need to be replaced again when a trend dies in a couple of years. Finishes are crucial here.2. PICK OUT THE PAINT<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/cabinets.jpg/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280"> Quite possibly the biggest and most noticeable update you can give your kitchen is a couple coats of paint. It's key that you do this the&nbsp;<a href="https://www.hgtv.com/design/rooms/kitchens/best-way-to-paint-kitchen-cabinets" rel="noopener noreferrer" target="_blank">proper way</a>, however. Outdated cabinets will have their fair share of flaws you need to pay close attention to before throwing paint over them. Make sure each surface is clean and sanded and nicks in wood are filled.&nbsp;3. LET THERE BE LIGHT<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/kitchen%20lighting.jpg/:/rs=w:1280"> Brightening up an area of your home actually makes it appear more spacious than it is! Choose a statement fixture that hangs over your island for between $30-$90 and/or give your kitchen a more luxurious vibe by attaching battery-operated LED lights underneath the cabinets.&nbsp;4. BREAK OUT SOME BACKSPLASH<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/backsplash.jpeg/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280"> A feature you'll see in almost any refurbished kitchen, backsplash is the simplest way to show your potential buyers that you've made updates recently. The options are endless here. Some more expensive than others, but definitely doable for under $100. Reach for a ceramic tile for a pop of color, or find a nice metal that compliments your finishes and ties everything together. Find a focal point like behind the sink or stove and TA-DA!5. HANDPICK NEW HARDWARE<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/hardware.jpg/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280"> Something small like a drawer handle may seem insignificant in the grand scheme of a little makeover. Believe it or not, after counting the amount of handles on cabinets and drawers in your kitchen space you may change your mind. Tie in the chrome detail on your faucet with sleek hardware and we promise it will be more noticeable than you think. Consistency throughout is key to a well put together space. Focusing on the details is as important as the big picture updates.&nbsp;What have you renovated most recently? What's your favorite DIY home improvement project? Let us know in the comments below!

Spruce Up your Kitchen for Under $100

<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/Copy%20of%20Copy%20of%20Blog%20Post%205.png/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280">You're doing it! You're one step closer to buying your home. Even though you've been&nbsp;<a href="https://lakeoftheozarksliving.com/blog/f/whats-it-take-mortgage-pre-approval-vs-pre-qualification" rel="noopener noreferrer" target="_blank">pre-approved</a>, you're not in the clear until closing documents are signed. This means, one hasty misstep and you could put your loan status at risk. With such a big purchase coming, you're undoubtedly tempted to start making those big purchases to complete your home, or move your money around for safe keeping. These are all things that could impact your home loan. Below is a list of things you shouldn't do after applying for a mortgage to avoid putting your home loan in jeopardy before closing day.1. DON'T MAKE LARGE DEPOSITS/WITHDRAWALS&nbsp;Part of your approval process includes providing your lender with recent bank statements. Any large sum of money coming in and out of your account raises some eyebrows and could be ground for a halt on processing your application. It's also important to note that cash is not easily traceable. You should discuss the proper way to document any "have-to" money transfers with your mortgage officer prior to doing so.2. DON'T CLOSE CREDIT ACCOUNTSYou want to have good credit, yes. Many people are under the impression that closing off extra accounts will make them look like a more stable candidate for approval. Closing accounts (even the ones not in use) reduces your available credit and raises your debt to income (DTI) ratio. A portion of your credit score relies heavily on both the length and depth of your credit history.&nbsp;3. DON'T MAKE LARGE PURCHASES ON CREDITLarge purchases, say to furnish your new home, actually raise your DTI. In other words, new purchases come with new monthly responsibilities and higher debt to income ratios create riskier loans. This means someone who once qualified for approval, now raises a red flag to lenders. Do continue to build your line of credit as usual with smaller, typical purchases you are more than able to pay off each month.4. DON'T CHANGE JOBSYou may be wondering how changing from one source of income to another could have an effect on your mortgage qualification in any way. Proof of a steady, consistent income is vitally important. It's also pertinent that you're remaining in the same industry as you were when you applied. Consistency across the board throughout the entirety of the mortgage approval process is the key to approval.5. DON'T CO-SIGN OR PAY OFF COLLECTION ACCOUNTSWhen you co-sign for someone, you are essentially agreeing to be that individual's safety net. Regardless of your intent to make their payments or not, your lender is required to count those payments against you. Additionally, when you make payments on older collection accounts, it actually makes that account "current" and can drop your credit score.&nbsp;&nbsp;If a payment is nearing its mark to expire based on the date of your last payment, it's actually best to leave that payment alone.Of course, this is not a comprehensive list and there are additional safety steps to take in order to ensure you are not putting your chance for mortgage approval at risk. Always consult with your mortgage officer if you're unsure of what you can and cannot do between approval and closing day.

LIST: Things You Should Not Do After Applying For A Mortgage

<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/Blog%20Post%20--%20Spring%20Cleaning%20Checklist.png/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280">*Snowpocalypse last week meets 60-degree weather the next*&nbsp;Us: "Well, better bust out the Swiffer and gardening soil!"&nbsp;We&nbsp;KNOW&nbsp;we can't be the only ones. Regardless if the weather we're having sticks around or not, spring cleaning is less than a month out. The thought of truly deep-cleaning a home can be daunting. Let's get real, most of us opt for a light dusting and some de-cluttering and call it a day. That's where we come in! Read on to find a checklist of where you should focus your deep-cleaning efforts + tips and tricks that make the process a little easier.THE KITCHEN• Remove all items from cabinets and drawers. Clean bottom and sides of the drawer with a warm water and detergent solution. Organize the items neatly inside.• Soak cutting boards and displayed china• Remove crumbs from the toaster• De-grease microwave, stove and backplash&nbsp;• Use a water-based solution to scrub window sills, ceiling fans, light fixtures and blindsTHE BATHROOMS• Clear sink, shower drain and vent covers• Spray an anti-mold cleaning agent on shower doors + places that harness moisture• Shine all hardware + wax the tub• Remove (and organize) all items from vanity + use detergent solution to clean bottom and sides of the compartment• Remove toilet seat to scrub grime from boltsTHE BEDROOMS• Clear out each drawer, clean with solution and neatly replace items• Sprinkle baking soda on uncovered mattress, let it set in and then vacuum&nbsp;• Air out mattress pads &amp; replace pillows• Donate items no longer in useMISC. SPACES• Vacuum dust from baseboards and scrub trim• Deep-shampoo all carpets/rugs/upholstered furniture + wax and shine all hardwood floors• Soak window screens• Change batteries in all smoke detectorsTIPS &amp; TRICKS FOR TACKLING THE JOB• Keep a squeegee in your shower to prevent mold growth year-round• Start cleaning from the top of the room and work your way down so dust doesn't settle• If having some professional cleaning done, schedule your appointments in advance to secure a spot as early in the month as possible &amp; avoid the rush of last-minute spring cleaners• Remove donation items and out of date products from the home first to avoid cleaning around extra clutter• Clean in sections and time increments to avoid the burnout and maintain a better cleanThese cleaning steps make all the difference when it's time to put your home on the market! We want to hear from you -- Drop your favorite cleaning solutions for us below in the comments.

CHECKLIST: Preparing for Spring Cleaning

Today is significant in many ways. For starters, it's officially March and seasonal temperatures are mimicking the official start of ~spring.~ If you happened to have your phone nearby this morning, or work within city limits, you may have also heard the annual National Weather Service tornado drill. This drill comes as the state dedicates an entire week to severe weather preparedness. In light of this, we wanted to do our part and piece together a one stop destination on what you can do in your own home to prepare for severe weather, as well as what you should include in your at-home emergency kit. Keep reading on below for our tips and tricks on how to best plan for those unplanned circumstances.<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/IMG-0884.jpg/:/rs=w:1280">ADDITIONAL ITEMS TO CONSIDER[PETS]Pet owners should have an additional kit prepared for their animals including but not limited to the following suggestions:• A week's worth of food per each pet• A gallon of water per day• Any medications the pet takes• A leash/crate• Sanitation items such as pet bags or litter[CHILDREN]&nbsp;Aside from the items above also applying to any children in the household, additional items you may have on hand for the little ones are as follows:• Items of comfort (I.e. stuffed animal, special blanket etc.)• Items to occupy time (I.e. coloring books &amp; crayons, board game, etc.) YOUR EMERGENCY BLUEPRINT: HOW TO NAVIGATE THE HOME[IN CASE OF FIRE]• Be sure you are changing your smoke detector batteries yearly• Be sure each member of the household knows their escape route dependent on their location within the home• Be sure everyone is aware of the same meeting location outside of the home -- you want to be sure everyone is accounted for as soon as you are able[IN CASE OF TORNADO]• Go to a basement, hallway or closet (make sure this space is enclosed and away from any windows)• Be sure your emergency kit is with you wherever this safe space is[IN CASE OF EARTHQUAKE]• Try to be centered in the building, stand under a doorway or get under a desk or table and hang onto it• Avoid windows, fireplaces or any heavy furniture and appliances• Secure items like water heaters, book cases etc.• Flexible connectors on plumbing[IN CASE OF FLOOD]• Go to an attic or second story• Turn off utilities• Bring valuables to high groundDid we miss anything in our emergency kits? What are your best tips for securing a plan when severe weather strikes? We want to hear from YOU. Drop us your suggestions in the comment section below.

SEVERE WEATHER EMERGENCY PREPARATION 101

Lakefront living is an experience incomparable to any other; the access to both land and water adds a certain uniqueness to your new lifestyle. Purchasing on the waterfront is a great investment, regardless if the property is enjoyed year-round by you or used as a vacation rental. With that said, rushing into a property just because it's available in a season of perpetually low inventory could cause you more heartache than goodwill. As with any property you purchase, there are red flags to notice before signing that dotted line. Particularly with lakefront property, there are some special considerations that don't hold true to other land-locked real estate.&nbsp;<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/Blog%20Post%20-%20Lakefront%20Property%20Buying.png/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280">1. HIGH WATER TABLEThis isn't an immediate cause for concern. However, noting water levels fluctuation and water table history is important to consider with basement or underground areas of the home. Leaks, flooding, cracks and mold could indicate a higher water table and more persistent problems to arise should you choose to become the homeowner. Inspecting the water line is also indicative of overall shoreline erosion. Location of debris will give you a better understanding of how high water levels can rise in relation to where your future home sits.2. LOOK FOR HIDDEN COSTSWaterfront property can carry different water and sewage rates than properties located inland. Should the property also have a dock, you'll want to also total up the costs you will spend yearly on dock and lift fees and service + your septic and well upkeep.3. VERIFY LAKE ACCESSEvery lakefront property owner has a different set of needs. Everyone who purchases on the water wants the views that accompany the lakefront access. Ensure your windows have unobstructed views and, once down to the water, land is clean and clear of debris. If you have a boat, you'll want to confirm whether you have easy access to the waterfront, or if you'll need to get onto the water at a different vantage point. Consider where the home sits within your cove if you have a dock. While main channel views are a sight to see, this comes with added noise and potential dock damage from large wake. Should you want nice, serene sunset nights -- you may want to steer clear of properties that sit across the cove of busy marinas and restaurants on the water.4. CHECK YOUR INSURANCE REQUIREMENTSWaterfront homes cost more to insure than homes located further inland. In addition to these higher rates, you will also need to include the cost of flood damage. Before you sign anything, you'll want to be sure any rise in insurance rates aren't going to be the deciding factor of whether or not you can afford your new home.5. SMELL YA LATERInhale, exhale. The lake itself can have a distinctive scent. A small amount of "lake smell" can easily be looked past when you consider its proximity to the waterline and any restoration projects you may take on to update your living. What you won't want to confuse is if what you're smelling is truly just the natural scent of living on the water in an older home, or the start of a mold takeover due to increased moisture levels.Have you run into these issues when looking at lakefront property? What's been your biggest "red flag" moment during your recent home search? We're curious! Drop a comment below with your story.

Buying Lakefront Property? Consider These 5 Things

<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/Blog%20Post%20-%20Why%20Location%20Matters.png/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280"> This is the single most important factor when buying a home. Why? It's the one thing you can't change, upgrade or fix. Sure, locations become more or less desirable over time, but while you fix up your fixer upper the land it sits on will remain the same. So, what makes for a great location you ask? Below are our most valuable factors to consider when you're house hunting to keep your resale value at top dollar.1. FOCUS ON A NEIGHBORHOOD'S FUTUREYour 'safe' and 'established' neighborhoods will change. When investing in your forever home, or even a home you plan to flip and sell, look right outside of these locations. You want to buy in a neighborhood that you see has a potential future. These up and coming spots will have a lower price tag. When that 'good' neighborhood fills up and spills over to expand, suddenly you paid the price for what was deemed a bad neighborhood and you'll now reap the benefits of resale maximizing your profits. Your floor is higher when you do this, meaning the area likely won't depreciate more and this lowers your investment risk.2. THINK ABOUT YOUR DEMOGRAPHICMillennials represent over half of the buying pool. Paying close attention to their buying habits and desires could have long-term benefits for yours. Buying in an area that is deemed 'desirable' by this demographic will increase demand. Increased demand raises real estate prices. Millennial buyers tend to look for homes in the under $300,000 range with great schools and close proximity to amenities.&nbsp;3. RESEARCH SCHOOLS NEARBY&nbsp;When you think about the future of the neighborhood you are investing in, schools may play the most important role. Are there plans to develop? Are the schools in that district well-rated? The easiest way to determine if you're investing in the right area, is to invest in the school district first. Do your research. Your target demographic of prospective buyers are buying a home with the purpose of raising a family. No one wants to enroll their children in a system that isn't promising for the best education. Do keep in mind as communities grow, districts can expand or new developments will be made. Much like a neighborhood's status quo is not set in stone, neither are the schools nearby. Keep with the common theme and look ahead.4. KEEP AN EYE ON AMENITIESBuyers want close proximity to restaurants, grocery stores, shopping and entertainment. Think a 5-10 minute drive. This makes your route and commute an important factor. A home can be situated outside of town, but still fit this buyers' niche if there is an expressway they can quickly hop on. Be weary and tactical about out of town spots that a buyer can't avoid certain roadways. A 45 mph speed limit will result in a much different total route time than a 65 mph speed limit. Aside from the time most people spend at their home, the second most frequented location is the workplace. If a buyer can't get there in a timely fashion, this can often be a deal breaker on whether or not your home is a good fit.Which factor is the most important to you when it comes to finding a home in a great location? We want to hear from you! Drop your responses in the comment section below.

Location, Location, Location: Top of Mind when Buying

From Tik Tok trends to Better Homes and Garden Magazines, everywhere we've turned this month there's been spring design inspiration. We're totally here for it, too. If only we could convince the weather to consistently stay in the 70-degree range...but, alas, we digress. This week, we compiled our favorite home trends circulating the interweb to get you too in the spring spirit. Keep reading below for the trends we're tracking this month.[RATTAN AND BRASS ACCENTS]We're seeing an array of neutrals this spring, but you can't get by without some pop of color. Cue the brass detail. Especially viral are these floor length mirrors with articulate frame detail. They do come at a cost and many on Tik Tok are getting crafty to swing this trending look by thrifting and painting the mirrors themselves. Pair this with rattan bowls and light hangings and your home is a vintage-esque inspired escape.&nbsp;<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/IMG_1190-0001.JPG/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280">[ALL THE CURVES]Fitting with the more "homely" feel homeowners are leaning towards, you'll find a lot more people incorporating curves into their interiors -- particularly, in their furniture choices. Many are straying from hard, modern edges and vying for kinder and more inviting shapes.<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/aefcdf99adbb8c430a585f9627ca07c4-0001.jpg/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280">[FAVORITE DISPLAYS]The more time we've spent at home this past year, the more personal our spaces have become. Maybe you've seen floating shelves, maybe a free standing bookcase of sorts -- on it? A meticulous display of items perfectly arranged for an aesthetic, fit to show off your personality and favorite pieces. Your own home gallery if you will. Conveniently enough, a nice display shelf makes for the perfect Zoom background.&nbsp;<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/IMG_1191-0001.jpg/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280">[DECORATIVE LIGHTING]Bright spaces are important and as we work towards making our living spaces comfortable and homely, functionality is still key. Fixtures can be a major focal point in a room and allow all other details to be minimalistic and simple. Many homeowners are opting for smart lighting options that allow you to set lighting schedules to fit the ambience and needs of your day.<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/0a6994b21483afece51e92b05fc560d6-0001.jpg/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280">[BRINGING SPRING INDOORS]Houseplants have become fashionable bringing pops of bright, lively energy to our muted tones color palette. Accenting a room with a plant not only screams spring has sprung, but freshens the air in the home by filtering out pollutants and releasing oxygen.<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/JSD%2BFeb%2B2019_038.jpg/:/rs=w:1280">Love it or kick these trends to the curb? What are your thoughts on some of the decor inspo making its way into homes this spring? What trends are you loving the most? We want to hear from you! Drop your responses in the comments below.

Home Trends We're Loving This Spring

<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/Blog%20Post%20-%20Thinking%20of%20FSBO_.png/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280">At a time where sales are at an all-time high and market inventory is low, a driving selling factor for many is to cut costs and choose the For Sale By Owner (FSBO) route. The thought of not paying a commission is enticing, but there are pros and cons to choosing to list FSBO. It is always advised you entrust in a local agent throughout the process. Selling your home is one of the most costly and important transactions you can make in a lifetime and it's vital the process is handled in a thorough and legal manner from the start. Please continue reading for a breakdown of what it means to choose the FSBO process.[PROS + CONS]Pro: No Seller's CommissionPerhaps the most obvious reason sellers are tempted to choose to take on the home selling process themselves. Do consider paying your buyer's agent's commission, however. This is a standard practice and opting not to do so limits your buyers pool greatly. After all, A buyers agent will not bring their buyer to a home that isn't offering paid commissions, otherwise, they wouldn't get paid. The only way to avoid this situation completely is to either find a fully qualified buyer&nbsp;also&nbsp;willing to pay their agent's commission, or find a buyer who doesn't have agent representation. Again, adding specifications to your buyers pool, limits it.Pro/Con: Management of Marketing, Showings, Open Houses + All Aspects of a SaleFor anyone with prior selling experience, whether that be you were once an agent yourself or you have sold your own homes in the past, this may feel like a breeze. You're in the drivers seat calling all the shots as you see them and making all of the decisions as they come. You have no one advising you on "best practices." For those selling their home for the first time, all of the components and moving parts can be overwhelming. The longer a home sits on the market, the more expensive marketing the home becomes, and the less potential buyers want to pay you. You should also consider this eats up more of your personal time.Con: Minimal Networking ExperienceReal estate agents have connections with agents in their brokerages, agents outside of their immediate network, international connections, past clients and regularly attend community events + networking socials. This is a high priority and a pertinent component in their everyday job as a real estate agent. This is a characteristic many sellers don't possess on their own.Con: Selling is a Full-Time Job for Agents for a ReasonAs mentioned before, when you sell your own home you are taking on the full responsibility of all aspects of the sale. In addition to the time spent selling your home, you're also in the process of looking for your next move on top of your usual commitments to work, family and friends.Con: Beware of Bargain HuntersPeople looking to score a good deal often gravitate towards a For Sale by Owner with the expectation that the home is already below market price and that they can get that price tag even lower. You will spend a lot of time in negotiations with individuals that you can never convince to match your needs.Con: Access to ToolsOnce your home is priced, it's hard to retract. It's imperative to get the price right the first go around. A realtor has research tools that allow them to compare your home to others like it that have just sold, or are currently active on the market. This is just one of the many market analysis conducted before pricing a home on the market.[THE STEPS]1. Price your Home2. Stage and Repair the Home for Sale3. Market your Home Online &amp; in the Area and Host Open Houses4. Negotiate with Potential Buyers&nbsp;(make sure you have all paperwork needed via your real estate agent, or a real estate attorney should you choose FSBO)What are your thoughts on the state of the market&nbsp;right now? Do you have any questions or concerns regarding its future? We want to hear from you! Drop your thoughts in the comments below.

LIST: Things to Know Before Choosing to Sell by Owner

<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/Blog%20Post%20--%20HOA%20Fees.png/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280">Let's talk 'HOA Fees.' That love/hate relationship between not having to take care of the general upkeep of your property (praise), but having to commit to the payment process. These fees actually play a larger part in the home-buying process than whether or not you can afford the added expense -- although, that is a very important factor to consider. If you want to live in one of the more popular lakeside areas at the beautiful Lake of the Ozarks, you will commit to paying HOA fees. So, what do you need to know before falling in love with a home? Keep reading below for a rundown of what to expect.MORTGAGE QUALIFICATION:A lender will have to take HOA fees into consideration in the approval process. While HOA fees greatly vary dependent on where you are looking to buy, a high fee could determine how much you are ultimately able to borrow. HOA fees differ on an abundance of factors -- one being the area in which the home is located, another being the number of amenities and even the square footage of the property itself. If you can, see how much an area's fees have increased over a period of time. You will also want to be sure you are aware of what is included in your fees maintenance-wise.READ THE RULES&nbsp;(and then read them once more):If you choose to buy into an area with HOA fees, you are also agreeing to live by the rules they have set in place. Again, these rules can differ depending on the HOA. It is recommended that you review a copy of these bylaws prior to signing that dotted line so no 'surprises' arise. Regardless if you were aware of what you signed up for or not, you could be penalized for not following HOA guidelines. Knowing what these rules are from the start and what the outcome of breaking those guidelines are, could save you a lot of headache from the start.KNOW WHAT ADDED BENEFITS YOU'LL USE:Do you regularly go to the gym, pay for lawn services, or take the kiddos to the waterpark in the summer? These are all things to consider when deciding if an HOA is for you. Yes, the fees are an additional cost when looking at home ownership, but many HOA's include services like these in the fee coverage. Depending on 'extras' you pay each month, an HOA could offset other monthly payments.CONSIDER YOUR HOME'S VALUE:Properties within an HOA are generally better maintained than others. Add in the additional benefits included in your fee and homes here tend to hold their value. HOA communities are known for regularly meeting to cover the concerns most pertinent to their residents. This also means that, as a homeowner, you are backed by a community that is better equipped to fight for road repair and new developments (good or bad), among other things.If you live in an HOA community, what are your thoughts? If you're looking to buy, would you consider this as an option? Let us know in the comments below!

HOA Fees: What Does This Mean For Me As A Buyer?

<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/Blog%20Post%20--%20Amazon%20Products.png/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280"> Who else has daily conversations with the Amazon delivery driver while your husband stands at the doorway in disbelief that another package is showing up on his doorstep? Sound oddly specific, yet utterly relatable? HA. Delivery drivers are the real MVPs of our household. Today, we're going to talk about all the products you could be sprinkling into your orders that are must-haves this spring. Yes, we said "must." After all, it's for the love of home organization -- not shopping, right?1. STACKABLE CAN ORGANIZERIf your pantry is like most, cans are the item that most populate your shelves. Three cans of this, five of that -- you never know what you might need and they tend to pile up...quickly.&nbsp;This&nbsp;<a href="https://www.amazon.com/SimpleHouseware-Stackable-Rack-Organizer-Chrome/dp/B01IIXR2II/ref=sr_1_21?crid=CXIQJZ7QJ4CH&amp;dchild=1&amp;keywords=organization+and+storage&amp;qid=1618336035&amp;sprefix=organization%2Caps%2C206&amp;sr=8-21" rel="noopener noreferrer" target="_blank">rack organizer</a>&nbsp;can stack 36 cans and separates them by plastic dividers. Keep all of the same cans of food in a single stack, label with a removable tag on the front of the organizer and&nbsp;problem solved.&nbsp;Buh-bye over-buying.&nbsp;2. DOIOWN S-TYPE CLOTHES PANTS HANGERSThe struggle of not wanting to fold your pants because of the wrinkles, but not wanting to hang them because who can afford pant hangers these days -- that's us. There are so many perks of this particular&nbsp;<a href="https://www.amazon.com/DOIOWN-Stainless-Organizer-14-96ins-3-Pieces/dp/B01MPWEXEW/ref=sr_1_5?dchild=1&amp;keywords=Doiown+S-Type+Stainless+Steel+Clothes+Pants+Hangers&amp;qid=1618337552&amp;sr=8-5" rel="noopener noreferrer" target="_blank">hanger.</a>&nbsp;It's multi-purposeful, meaning you can buy a few and also get rid of those scarf bins you have sitting on the top shelf. They also significantly cut down on space. Depending on the size you choose, you can hang up to as many as 5 different pairs of pants in an easy to see format. This also saves you from keeping around clothes you don't regularly wear simply because you cannot see them in your closet.&nbsp;3. STORALID FOOD CONTAINER LID ORGANIZERIn 2021 we need to all vow that we will stop dedicating a single drawer in our kitchen as, "the lid drawer." Give him back his freedom! This<a href="https://www.amazon.com/YouCopia-50100-StoraLid-Container-Organizer/dp/B07FNRXFTD/ref=sr_1_5?dchild=1&amp;keywords=storage+lid+organizer&amp;qid=1618338400&amp;sr=8-5" rel="noopener noreferrer" target="_blank">&nbsp;lid organizer</a>&nbsp;comes in various sizes. If you're anything like us, that's good to know since you tend to buy more Tupperware when you can't locate matching lids (so guilty). The organizer holds both square and round lids and includes 5 adjustable dividers to customize to your needs. As an added bonus, it fits with ease into both cabinets and most drawers, so you can re-locate it as you re-organize your kitchen.4. SIMPLE HOUSEWARE UNDERGARMENT DRAWER DIVIDERFile this one under, "things we didn't know we needed." We have multiple categories of undergarments and subcategories within those groups, yet we have one drawer to house them all. Cue this&nbsp;<a href="https://www.amazon.com/Simple-Houseware-Underwear-Organizer-Divider/dp/B01DYXHI0E/ref=sr_1_2?dchild=1&amp;keywords=Simple+Houseware+Organizer+Drawer+Divider&amp;qid=1618339144&amp;sr=8-2" rel="noopener noreferrer" target="_blank">divided drawer organizer.</a>&nbsp;The dividers are made to fit the unique size of each garment in a layout that allows you to see all of the contents in the drawer it sits.5. ADJUSTABLE DRAWER DIVIDERSJunk drawers are an inevitable in any home. Sometimes things just truly don't have a place and that's ok. These&nbsp;<a href="https://www.amazon.com/Uncluttered-Designs-Adjustable-Dividers-Organization/dp/B01CNASOCA/ref=sr_1_1_sspa?dchild=1&amp;keywords=Uncluttered+Designs+Adjustable+Drawer+Dividers&amp;qid=1618342623&amp;sr=8-1-spons&amp;psc=1&amp;spLa=ZW5jcnlwdGVkUXVhbGlmaWVyPUEyOExJTFlXTU8wWkFPJmVuY3J5cHRlZElkPUEwNTE3MzYxMUVEQ05KREhMTUs2VyZlbmNyeXB0ZWRBZElkPUEwMjU3MzI0MkFNTlJUSURNODlJTiZ3aWRnZXROYW1lPXNwX2F0ZiZhY3Rpb249Y2xpY2tSZWRpcmVjdCZkb05vdExvZ0NsaWNrPXRydWU=" rel="noopener noreferrer" target="_blank">drawer dividers</a>&nbsp;add a method to the madness and prevent small, miscellaneous items from shifting from the front to the back of a drawer upon opening. You can organize like items in two different sized cells, and even stack the drawers on top of one another if needed.&nbsp;6. BROOM HOLDER AND GARDEN TOOL ORGANIZEREven if you have a dedicated closet specifically for your cleaning supplies, there's no way your mops and brooms aren't tempted to fall to the floor every time you open the door. That's just a fact. This&nbsp;<a href="https://www.amazon.com/Berry-Ave-Broom-Holder-1-25-Inches/dp/B01DI8H364/ref=sr_1_5?dchild=1&amp;keywords=Broom+Holder+and+Garden+Tool+Organizer&amp;qid=1618340704&amp;sr=8-5" rel="noopener noreferrer" target="_blank">tool organizer</a>&nbsp;can be hung inside of your closet, or out in the open, and your tools will lay flat. It is made with a weatherproof design, which allows you to hang any outdoor gardening tools you may have accumulated as well.The attached hangers can also hold up to 35 pounds.So, what's first on your next Amazon wishlist? Have you run across any hidden gems on Amazon recently that just make life easier? Let us know in the comments below!

Product Roundup: Best Organizational Hacks from Amazon

Don't get it twisted, we should always be thinking about small changes we can make in life to ensure we leave this world better than we found it. In honor of #earthday trending on every social platform today, this blog post is dedicated to the small changes we can implement at home that (promise) won't in fact&nbsp;*dramatically alter your day to day life*&nbsp;<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/Blog%20Post%20--%20Earth%20Day.png/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280">Single-use plastics and CO2 emissions are the largest sources of Earth's pollutants. Solar panels and Energy Star appliances are great big steps to take, yes, but there are plenty more budget-friendly concepts to kickstart an eco-friendly home. These are changes you likely won't notice everyday that add up to a larger sustainable impact when we all contribute.LAUNDRY&nbsp;According to Energy Star's&nbsp;<a href="https://www.energystar.gov/products/laundry_best_practices" rel="noopener noreferrer" target="_blank">website</a>,&nbsp;90%&nbsp;of the energy it takes to run a washer comes from heating the water. Simply switching your water preferences to 'cool' can save an immense amount of energy with each cycle. We're not bathing in it while it runs after all, so, take it from Elsa -- the cold never bothered her anyways. If you regularly deal with stained clothing, try washing all of those items together and switching the temperature to 'warm.' This will still cut your energy usage in half.&nbsp;LIGHTINGSwapping regular bulbs for energy-efficient light bulbs will use less electricity. Any time you are saving energy, you are implementing a sustainable practice. Ultimately, if you're using less electricity, you're also saving money on your monthly bills. It pays to be eco-friendly sometimes.RECYCLING &amp; COMPOSTThis one may take a little more work on your part, but separating your materials makes you more conscious of how much waste you're producing. Again, this could save you money in the long run as to not buy and use what isn't necessary for your family. With many recyclable items, you can actually be paid for your efforts. Composting allows you to get rid of your leftovers and you can then use that as fertilizer for your plants. Composting bins today are designed with order in mind. You wouldn't need to worry about any unwanted odor or space issues.&nbsp;PLANTSPlants are a great way to naturally decorate a home, all while keeping indoor air clean. In addition to it being a great use for the fertilizer from your compost, a full-blown garden can really cut down on your single-use plastics. Tending to plants may require more energy on your part, but you're also reaping the benefits you sow (pun intended). Basic benefits include monetary savings (store-bought vegetables come at a price) and consistently fresh, in-season produce.What's one thing you do in your home every day that contributes to a more sustainable future? We want to know -- comment below!

Earth Day Exclusive: Sustainable Living at Home

April 28, 2021If you regularly follow along on our social media platforms, you may have noticed a handful of new listings within hours and days of each other, as well as an equal amount of quick turnarounds. So, what exactly does The Salisbury Team have on the market&nbsp;right now&nbsp;and what could each of these properties do for you as an active buyer? Keep reading for our most recent roundup of live listings!92 STATE PARK RD, BRUMLEY l MLS #: 3534332<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/CPixDigitals21-19.jpg/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280">This private, country home on a gentle 11-acre lot is our most recent listing! The home is a three bedroom, one bath with a bonus loft space that could make for the perfect office, home gym or playroom. Included on the property is a garage/shop fitting for the open land it sits on. Ready for some one-level living in the great School of the Osage district? Saturday May 1st from 12-4 PM we will be holding an open house. This will be the home's&nbsp;only&nbsp;showing, so it's important to put us on your weekend calendar!&nbsp;501 N. OAK ST, ELDON l MLS #: 3532382<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/GetMedia-0001.jpeg/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1280">Talk about a home that tells a story! This charming two bedroom, one bath property is centrally-located in the heart of Eldon and pulls out all the stops. It has hardwood floors throughout, a new HVAC and a new roof within the last year. Included in this one-level living is a basement for extra storage and a fenced in backyard featuring a pool -- summer is calling! As soon as you walk inside, you'll feel the warmth the space has to offer and want to get cozy by the fireplace. Ready to take a look?LOT 6 &amp; 40 LOCUST RD, KAISER l MLS #: 3531831<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/GetMedia-0002.jpeg/:/rs=w:1280">Haven't you heard? Lots are all the rage right now. After all, why should we settle for less than&nbsp;exactly&nbsp;what we want? This 6-acre property is the perfect mix between the luxuries of privacy and the comfort of a solid neighborhood. The land sits outside of city limits, but is still just a 15-minute drive to desired entertainment, shopping and dining amenities. Did we mention your kiddos will get to go to school in the Osage district? Give us a call today and tour this property as summer starts to make its appearance and the trees begin to turn!LOT 18 HIGHWAY 5, SUNRISE BEACH l MLS #: 3524855<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/GetMedia-0003.jpeg/:/rs=w:1280">Business at the lake is booming and this summer it's getting&nbsp;even hotter!&nbsp;Lot 18 is the prime highway acreage you're looking for to kickstart your next adventure. It's situated in the heart of the westside and just a few miles from the toll bridge making visibility incredibly high. Anything is possible on this 5-acre lot with the ability to put in a private entrance and the installation of city water and sewer. This property recently increased in value after a new company purchased the adjoining land for use of a *unique* high-traffic business sure to make waves in the lake area! Spike your interest? Time to make the call.LOT 29 LOCUST RD, KAISER l MLS #: 3531825<img src="https://img1.wsimg.com/isteam/ip/93930857-e998-4cfa-9f52-15797d638fb3/GetMedia-0004.jpeg/:/rs=w:1280">Just down the road from Lot 6 &amp; 40, there could be&nbsp;two&nbsp;new neighbors in town! If you're needing a spot with slightly less space, but still have the desire to make your home custom, this 4.1-acre spot might be the one for you. Like Lot 6 &amp; 40, this property has the privacy you're needing with the convenience of amenities in town. Perhaps you're looking for double the space to live near family or to truly enjoy the luxuries of country living -- being that both lots are a short walk away from one another, this dream could be a reality here!What kind of property are you on the hunt for? Just because you don't see it here (or maybe you do!), doesn't mean it isn't out there. Drop a comment below with what kind of features are at the top of your 'must haves' list!

PROPERTY ROUNDUP: What Does TST Have on the Market Right Now?

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