ParklandHomes-August-13-21

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Daily Journal Weekly Real Estate

Friday, August 13, 2021

PAGE R1  Friday, August 13, 2021

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HOMEWISE

Real Estate Tips and Advice

Get Noticed with Curb Appeal

By ALEX MASON | Green Shoot Media

REAL ESTATE 101

First impressions count. When it’s time to take your house to market, curb appeal can make or break the sale.

However, you don’t need to break the bank to enhance your home, and by following a few simple guidelines you can transform your house from beaten down to best on the block with some do-it-yourself tips.

The Quick Route to Curb Appeal These quick, inexpensive changes can help increase your curb appeal: Solar lights along the front path; Colorful pansies planted in the walkway, and near the porch and front door; A fresh coat of paint on the front door; and Cleaning up the front porch by removing unused items.

FRONT DOOR

The front door to the property is a real eye-catcher and needs to grab some attention. Remove tired and worn-out screens and give your front door a makeover with a vibrant coat of paint. To create a distinguished frame for your door, be sure to paint the trim in a darker color than the door.

PORCH

Straight, clean lines are in order for the porch to add a sense of space and sharpen the effect of a freshly painted door.

Remove unused objects such as baskets, decorations, tired chairs and anything else that will detract from the living space.

FRONT LAWN

Keep it clean and keep it green. A front lawn that is well cared for speaks volumes about what’s in store for the interior living space.

Fresh sod and plenty of water will make your green grass thrive, and a splash of color adds a special touch.

ADDING COLOR TO YOUR LAWN

Flowers can be expensive, and some species require abundant care. However, low-cost pansies make a dramatic addition to an

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Landscaping touches can grab potential buyers’ attention. Curb appeal can make the difference between puling in buyers and having your home sit on the market. outdoor space and are easily transplanted in a mature state.

To cut back on cost and make your garden pop, try lining the just the walkway with a colorful selection of flowers to draw the eye to the path, porch and front door.

If you have the time and money, lining the entire front of the home with flowers is a treat to look at.

However, home sellers on a budget will do well to stick to the center pathway and porch areas.

EVENING CURB APPEAL

Some buyers are prone to property drive-bys after hours, so you

want to make your home stand out at night.

By adding a line of solar lights along the pathway, you can create a soft glow that outlines the yard and creates a symmetrical ambiance. In addition, a low-voltage porch light in soft yellow or orange adds warmth and enough illumination to showcase your home at night.

EXTERIOR ATTITUDE

The exterior of your home should radiate an appealing color contrast to set your property apart from the rest. Sandblasting may not fit most sellers’ budgets, but a

fresh coat of paint will take you far.

Light colors, such as white, eggshell, yellow and similar hues, give the illusion that the property is larger. Similarly, darker exterior paint will create the illusion of a smaller home.

EXTERIOR ACCENTS

Once the house is painted, you are ready to accessorize with window treatments, garden statuary and colorful decor.

Window shutters provide a neat and tidy appearance, and you may find them at good prices and competitive rates. The shut-

ters should be darker than the exterior paint to create color contrast and true curb appeal.

Use your creative powers to enhance a color scheme to suit your taste and best accentuate your lawn with colorful window treatments at bargain deals.

To save even more, try signing up for a home improvement class at your local garden center for ideas and installation information to do the job yourself and save money.

Add a few pieces of garden statuary or water fountains, and your front yard is transformed into a place that is sure to leave a pleasant impression with potential buyers.

Alex Mason is a former real estate agent and mortgage broker living in Los Angeles.

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HOME OF THE WEEK! NEW ING T LIS

MLS#21052053 • $695,000 1015 Mary Road, Farmington MO 63640 2-BR, 2-BA HOUSE W/TWO 2-BR, 1.5 BA DUPLEXES, 5 UNITS TOTAL: Whether you’re looking for an investment or maybe you would like to have the whole family close, this might be just what you’ve been looking for. There’s a 2-BR, 2-BA house with a 2 car attached garage and a fenced in area out back.

You’ll also find two 2-BR, 1.5 BA duplexes with attached 1-car garages and a 60’x26’ shop w/220 electric, water and lots of storage shelves. The shop has five 6’x8’ storage units inside for each rental unit. This truly is a total package for the investor or that big family that all want to live close to each other. There’s room to build another duplex apartment if someone wanted to. All units come furnished with appliances. This property is located just outside the city limits of Farmington and is close to two golf courses very nearby. These properties have been well maintained and are in a great location!

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Real Estate Tips and Advice

What is PMI?

By ALEX MASON | Green Shoot Media

REAL ESTATE 101

Private mortgage insurance, also known as PMI, is an additional fee tacked on to a lender’s loan document.

PMI was established by the Homeowner’s Protection Act of 1998 to act as a watchdog for the borrower and set forth some guidelines for the lender.

For most home loan borrowers, the PMI annual payment is a welcome fee to add some peace of mind to the borrowing process and allow home buyers with minimal cash flow to get the loan product of their choice.

What’s in a mortgage payment?

WHO NEEDS PMI?

Not every borrower will benefit from paying the PMI attached to their loan, nor is every borrower required to purchase it.

The ideal PMI candidate will have put down 20 percent or less on the down payment of the property and will be carrying a loan balance of at least 80 percent on the mortgage. The lender offers the PMI to safeguard against a borrower that may default within a short period of time.

The PMI protects the lender so that the institution is more likely to lend to buyers with a limited cash flow and down payment.

The PMI is a win-win for the banks and the buyer, as each party gets what they want from the sale of the property.

BENEFITS

Buyers who wish to purchase a home with the bare minimum down payment may do so with confidence when they are protected by a PMI policy.

The Department of Housing and Urban Development, or HUD, provides low-cost housing with an average of only 4 percent required as the down payment.

The lender who insures the pol-

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Private mortgage insurance can increase your monthly payment when you put down less than 20 percent. icy with a PMI premium is covered and the home buyer can purchase immediately without waiting to save a whopping 20 percent down on the home.

PMI may be applied to any type of house or condo and is a wise investment to get the home buying process underway.

WHO DOES NOT BENEFIT?

A borrower who has applied a real estate down payment higher than 20 percent and will be carrying a loan balance of less than 80 percent may waive the PMI coverage.

According to the Home Owner’s Protection Act of 1998, the date of PMI termination may be determined between both lender and

borrower. A borrower who has made timely mortgage payments for set period of time and wishes to cancel the PMI policy may be able to do so by a written request to the lender.

Providing there is sufficient equity in the home, a borrower who wishes to terminate the PMI policy will keep careful records of their payment history and submit a termination request to the lender.

The HPA of 1998 requires the borrower to be notified by the lender when a high-risk loan balance has been lowered to 78 percent of the purchase price. Terms and conditions include that the borrower has not been 30 days or more late with a mortgage payment within a one-year period of the loan.

Since the Great Recession, new

rules regarding PMI make it harder or impossible to remove the insurance from a loan without refinancing, so check your loan paperwork.

HOME VALUES

Finally, a home buyer may escape the PMI requirement if the value of the home has increased.

An official appraisal is required to verify the current market value and if the appreciation increases the equity, the PMI may be canceled.

PMI premiums are manageable for most home buyers to get the mortgage insurance they need for the purchase.

Paying your PMI premium for a short time will allow you to get into your new home with a 20 percent or less down payment.

Your monthly mortgage payment includes more than just the amount due on your loan. It also can include other housing-related expenses.

Principal: Pays down the balance that you borrowed.

Interest: The cost of borrowing money.

Taxes: Typically one12th of your annual property tax bill is collected with each mortgage payment.

Insurance: Onetwelfth of your annual homeowners insurance premium may be collected with each mortgage payment, along with a month’s worth of private mortgage insurance, or PMI. SOURCE: Realtor.com

Daily Journal Weekly Real Estate 

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HOMEWISE

Real Estate Tips and Advice

What is a Realtor?

By ALEX MASON | Green Shoot Media

REAL ESTATE 101

Real estate professionals have many job functions, including loan officer, home inspector, appraiser, broker and sales agent.

Perhaps the two most confusing titles are those of real estate agent and Realtor. Are they the same thing? Well, not exactly.

The real estate agent and the Realtor provide many of the same services for home buyers and sellers. However, the breadth of knowledge, recognition and assurance of ongoing real estate training is the defining line that separates the two.

What’s in a name?

AGENTS

Depending on the state where the real estate agent practices, the option to obtain a Realtor title will vary.

When a real estate student passes the state real estate exam, he or she will automatically become a real estate agent. This title is sufficient to go to work for a broker and begin work with the broker’s clients.

The real estate agent is under the authority of the broker, who is ultimately responsible for every real estate transaction in his or her office.

Should a lawsuit arise, it is the broker who typically must deal with the legal issues, so he or she should be greatly concerned about the education of the agents in the office.

Real estate agents are fully competent to assist buyers and sellers in real estate transactions, but in some states, the agent does not have his own access to lock boxes and premium online selling tools.

The real estate agent will need to use broker keys to show properties and may not carry the same prestige as an agent who has upgraded her skills to Realtor.

Know the difference between a Realtor and a real estate agent.

REALTORS

A Realtor is given that title by becoming a member of the National Association of Realtors, which recognizes an agent to be one of its own.

This means that the real estate agent has undergone extended real estate training beyond the call of the state board exams to rise to a professional level for residential and commercial property sales.

The Realtor is a member of an elite group who train and shape new agents into highly competent real-estate machines.

Depending on the size, branding and location of a real estate office, some brokers insist that all of their agents become Realtors.

This ensures a consistent quality of service to the broker’s clients and guards against the agent making a tragic mistake that could result in a costly lawsuit.

The Realtor title is not free; there are a number of mandatory fees associated with membership.

The real estate agent must pay an initial fee, yearly deposits on the lock box and agent key, and will be asked to attend a series of meetings and events. Those who foresee a lengthy career in the property business are well advised to get a Realtor title as soon as possible.

In addition to making life easier at the office for the broker, a sales agent who upgrades to a Realtor status will have the opportunity to work with the sale

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of commercial properties. This aspect of the industry can be very lucrative but also carries a great deal of responsibility for the agent.

Commercial contracts are much longer and more complicated than residential contracts.

However, the commission structure is excellent, and the total sales price can reach into the millions of dollars.

Commercial real estate is not the place to start for a brand new agent fresh from the examination room.

However, with some wise planning to make the jump from agent to Realtor, a lucrative career in commercial sales may be carved in just a few short years.

Realtor.com offers the following definitions of terms for real estate professionals: Real estate agent: Anyone who earns a real estate license can be called a real estate agent, whether that license is as a sales professional, an associate broker or a broker. State requirements vary, but in all states you must take a minimum number of classes and pass a test to earn your license.

REALTOR: A real estate agent who is a member of the National Association of REALTORS®, which means that he or she must uphold the standards of the association and its code of ethics.

Real estate broker: A person who has taken education beyond the agent level as required by state laws and has passed a broker’s license exam. Brokers can work alone or they can hire agents to work for them.

Real estate salesperson: Another name for a real estate agent.

Real estate associate broker: Someone who has taken additional education classes and earned a broker’s license but chooses to work under the management of a broker.

Daily Journal Weekly Real Estate 

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Daily Journal Weekly Real Estate Friday, August 13, 2021  PAGE R8

HOMEWISE

Real Estate Tips and Advice

Prepare For an Open House

By ALEX MASON | Green Shoot Media

REAL ESTATE 101

Selling your home is usually a positive experience, especially if you take steps to ensure smooth sailing from start to finish.

Preparing your home for an open house is a key factor toward proper presentation and one area of the real estate sale where you should take every measure to get it right.

Open House Preparation Tips Thoroughly clean the home, including scrubbing baseboards, removing cobwebs and storing excess items.

You should be away from the home during the open house.

Plan a day out, allowing at least eight hours for a full day of showing.

Discuss with your real estate agent the planned security measures for the open house.

AVAILABILITY

Your home should be available for buyer browsing every weekend for the duration of the sale. If you are able to vacate the home for a mid-week open house, all the better for rapid results and a sale.

Proper handling of the open house is to hand the keys over to your listing agent for a full day of showcasing two to three days a week for an occupied residence.

Be sure your listing agent is marketing the open house in advance and uses plenty of signs to point the way from the main boulevards to your front door.

Website marketing and local ads in the newspapers create greater exposure to make your open house venture a prosperous one with dozens of home buyers responding to your listing agent’s efforts.

PRESENTATION

Your home should be sparkling clean to include baseboard scrubbing, the removal of cobwebs, and taking excess furniture and personal effects away from the main frame of the home. Store toys, books and anything else that takes away from the spatial orientation of the interior.

In addition, if you are presenting the home with a dining room, be sure the area is set up

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Your home should be thoroughly cleaned before an open house, with any non-essential items tucked away into storage to show your home in the best possible light. for that purpose or contains nothing at all. To have an office or gym in a designated dining area may confuse the buyer as to the actual living space in the home.

Your experienced listing agent will help you prepare your home for market with the proper usage of each room in the house in mind.

Lawns must be maintained and backyards should be open and clear of unused items that will make the outdoor living space appear smaller.

REGISTRY

Your listing agent should be diligent when presenting your home.

However, he or she must also be responsible and take care of your home security.

The agent will have a guest registry to sign for each person who wishes to roam through your home. If a potential buyer refuses to sign the registry or seems to be combative in any way, a good listing agent will show him or her the door. The seller’s security must not be comprised by lookie-loos who have no intention of buying the

home or have not been pre-qualified for funding.

After each open house, be sure you or your agent bumps every window and checks every back door to ensure they have not been opened during the showing and that you have complete security after hours.

STEP OUT

There is no written rule that the homeowner must not be present during open house. However, if you want your buyers to be com-

fortable, vacating the premises is a sound plan of attack.

Many homeowners get emotional over their property or make judgment calls about the potential buyers, both of which can undermine the efforts of a strong listing agent.

When you are planning an open house, plan to be gone for eight hours to maximize the showing options and make the day productive.

Vacating may be uncomfortable at times, but it is a part of the professional selling process and will serve you well in the end.

Alex Mason is a former real estate agent and mortgage broker living in Los Angeles.

CELL OFFICE

e I’ll do th you! for running

1136B N Desloge Dr. - Desloge

New ListiNg

Farmington / $329,900

Beautiful 1800+ square feet home on 4.84 acres. This spacious 3 bedroom, 2 bath home gives everyone a space to call their own. The home has a large kitchen, comes with all appliances and adjoins the dining area. A very large living room makes the perfect space to spend time with family and friends.

21045930 Farmington / $199,900

Looking for the perfect 55+ community to call home,look no further! This well cared for 2 bedroom, 2 bath, brick condo with a 2 car garage & lots of additional storage is waiting for you! A well laid out floor plan gives easy access to unload your groceries as the kitchen is close by the entry.

21054852 Bonne Terre / $59,500

Cute home on 5 city lots, plenty of room for expansion. This home would be a great investment property. The home has vinyl siding, newer roof, forced air gas furnace and central air. The large yard gives plenty of privacy or sit on the enclosed front porch and read a book or drink your coffee. A one car carport keeps your vehicle out of the elements.

21054315 Belgrade / $750,000

Picturesque property! Gorgeous all brick 3 bedroom, 3 bath home with over 4000 square feet of living space.

This home sits on 43.48 acres with pond & fabulous inground pool.The property is also home to a Historical cabin built in 1875!

21033585 Farmington / $209,900

Back on the market no fault of the seller! This spectacular home built in 1882 has stood strong & weathered many storms while being a safe haven to many families!If you love old world charm this 2 story, 3 bed, 2 bath home with approximately 1961 sq feet of living space will welcome you with it’s character, from the beautiful foyer, large living & dining room with bay window & gorgeous hard wood floors!

21027798 Bonne Terre / $100,000

Welcome Home! This charming 3 bedroom, 1.5 bath on a corner lot is ready for you to make lasting memories. Entering the home you will be greeted by the spacious living room with hardwood floors. Continue through the main level and you will find a half bath, kitchen/dinning area, and a convenient laundry room that provides access to the back covered porch.

Reduced

20077976 Park Hills / $250,000

Great commercial property in prime location. 400 amp electric & 1200 amp 3 phase electric services. Approximately 2800 square foot building on a 75 x 150 lot. The building provides 12’ ceilings, 2 bathrooms (1 handicap accessible), office area, washer and dryer hook ups, drinking fountain, new air conditioning units.

20073179 De Soto / $300,000

Don’t miss out on this unique business opportunity!

8+ acres of the property is used as commercial for Bradley Salvage Yard. The business includes the current salvage on the property as well as a fairly new fully stocked garage

20064929 Desloge / $22,500

Fixer Uppers are hard to find in this market!!

Here is your chance to seize the opportunity and purchase this 1,175 square foot home in North County School District. Don’t wait, Call Today!!

Needing to Buy or Sell?! Call Vicky Crocker Realty TODAY, and Let Us Do the Running For YOU!! www.facebook.com/vickycrockerrealty

PAGE R9  Friday, August 13, 2021

21054863

New ListiNg

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573.747.8099 573.327.8300

Daily Journal Weekly Real Estate Friday, August 13, 2021  PAGE R10

HOMEWISE

Real Estate Tips and Advice

Mistakes First-Time Buyers Make

By ALEX MASON | Green Shoot Media

REAL ESTATE 101

Good advice is to never set your foot to house hunting unless you have your wits about you.

Though most of us have a solid plan of attack in mind, it’s easy to get carried away and sidetracked.

Plan your work and work your plan to secure the best house your budget can buy. Too many house hunters stray from the ideal piece of real estate and leave their common sense at the front door.

Follow these simple steps for a safe and sane buying adventure.

Toting Up Schools

HOUSE SIZE

Bigger is not always better when you have to pay off a mortgage. A smaller square footage home on a good-sized lot does not necessarily mean you are stuck between those walls.

Always keep your mind open to real estate possibilities. A smaller home with a large backyard leaves you plenty of room to grow.

To keep your monthly payments under control, you may wish to pay cash for a future room addition or add a cost-efficient sun room to expand your horizons.

Find a bargain property and grow your dream home slowly.

Home additions are fun, affordable and allow you to mold the home any way you want it to be.

CHOOSING A COMMUNITY

Your dream home might be priced just right, but if it is located smack in the middle of a costly community, you will be shelling out big bucks for everything.

Shopping, dining and entertainment generally cost more in an affluent community, so take all city amenities into consideration

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Doing some research can help you avoid the mistakes that some first-time homeowners make, such as buying a home that is too large or too small. before you sign on the dotted line.

SCHOOL DISTRICTS

Home buyers with children or who are planning to have them should research the area’s school system for educational advantages and convenient proximity.

Information such as scholastic awards and community accolades should play an important role when choosing a home.

Most neighborhoods use mandatory zoning restrictions that will dictate which school your little ones must attend, so the location of your home may tie you to certain schools.

Private schools are always an option but they usually come with a hefty price tag.

THE COMMUTE

Many bargain homes are situated away from the city center and offer more bang for your buck.

However, the commute back and forth to work should be well planned out and provide a time line you can live with.

To save money on gas, train and bus schedules are posted online and make your detective work a piece of cake to find yourself a route.

Public transportation is excellent in many parts of the country, and using them can rack up some serious monthly savings.

When mapping your driving time, be sure to allow for traffic and take into consideration the time of day you will be traveling.

Buying a home on the fringe of the city may save you significant dough, but can you handle the daily commute with a smile?

FINDING THE RIGHT MORTGAGE

Finally, when you have found your dream home and the price is right, it’s now time to sit at the table and talk money.

Your mortgage payments should offer you peace of mind and keep to a regularly monthly payment.

If you’re a parent or plan to start a family, researching schools is a crucial part of the decision-making process when you buy a home. GreatSchools. org is a non-profit that offers online profiles of more than 200,000 preK-12 schools, including public, charter and private, as well as over 1 million school reviews from parents, teachers and students. The site ranks schools on a 1-10 scale largely based on test scores, and, in some states, curriculum and college readiness.

Adjustable rate loans are ideal if you do not plan to stay in the home for long. The downside is that when the rate adjusts, it will be a mystery if your payments will go up or down.

The 30-year fixed loan is a real crowd pleaser with dependable monthly payments that always remain the same. Yes, you will pay slightly more for the fixedrate loan, but the stability and predictability are worth every penny.

Daily Journal Weekly Real Estate 

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FinancialProfessional

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(573) 756-8971 or (800) 748-7169 FSFM is a subsidiary of First State Community Bank.

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Daily Journal Weekly Real Estate Friday, August 13, 2021  PAGE R12

21056070

Farmington • $999,000 Take a drive just outside of Farmington, to this beautiful property located in St. Francois County. When you reach the gorgeous front gate, stop and take a breath of fresh air... this farm has something for everyone in your family! The current owners have cattle, chickens, goats and more! Inside the home, you will be greeted by a beautiful wood staircase and lots of unique wood features that give this home character. The upstairs offers new flooring and the main floor has a beautiful new master bath with a spa tub/shower! Be sure to walk around the property to see the inground pool, 4 car garage with 2 bedroom apartment above (120’X68’), metal building with 4 overhead doors and a full bath, tennis court, animal pens/housing and more! Make your appointment today to come and see this beautiful farm!

20073015

17071934

21020711

Farmington • $58,000

Here is the property you want! Edge of city limits.

Can annex into city limits or remain restriction free.

Cleared 1 acre lot. Build a residence or even two!

21056872

Bonne Terre • $299,900

Come check out this 3 bedroom, 2 bath earth home on 3.44 m/l acres. This property includes an additional 3 bed 2 bath home that would be a fantastic rental!

21049148

Bismarck • $149,900

This Gem in disguise has over 2000 square feet, 4 plus bedrooms and plenty of room to roam on just at 5 acres m/l.

20056130

Farmington • $200,000

Impossible find! At the very edge of Farmington city limits you will find 18 acres of ground available for purchase.

21033489

Farmington • $139,900

Take a look at this cutie in Farmington! This 3 bed 1 bath home all on one level will be perfect for a family just starting out or looking to downsize.

Farmington • $89,900

Nearly 1/2 acre lot in active downtown area of Farmington. Walk to shops, restaurants and loads of local establishments. Commercial potential!

18073680

Farmington • $549,500

3800 sq ft of living space in this custom ranch home on 6.98 acres m/l. 50 x 60 detached garage w/lean to. Very private country setting – Take a look to see how much this one has to offer.

Park Hills • $521,875

41.47 Acres in awesome location for a new subdivision, apartments & duplexes or almost any business! Close to the College.

Mary Gilliam GRI, ABR 573-760-6480 E-mail me at:

Mary Hagan, GRI 573-701-1690 E-mail me at: hagan@coldwellbankerhulsey.com

View ALL Listings...coldwellbankerhulsey.com

mary@coldwellbankerhulsey.com

#GuidingYouHome

32 East Liberty Street - Beautiful Downtown Farmington - 573-756-5711