River Valley Real Estate & Home, June 2018

River Valley Real Estate

&HOME June 2018

58 ACRES to Roam

The Place You’ll Want to Call Home!

Listed by Dianne Schneider, Pat Satterfield Realtors pg 43

River Valley Real Estate

&HOME

FEATURES

CONTENTS

FORT SMITH HOME BUILDERS ASSOCIATION .....................................................................28

June 2018

CRAWFORD COUNTY BOARD OF REALTORS ........................................................................38 SAVING BEES ONE HIVE AT A TIME: THE BASICS OF BACKYARD BEEHIVES ....55

58 ACRES to Roam

The Place You’ll Want to Call Home!

Listed by Dianne Schneider, Pat Satterfield Realtors pg 43

Cover design by Christy Morrison

multi media sales executive

Monica Carter

River Valley Real Estate

&HOME

INDEX OF ADVERTISERS

design coordinator

Christy Morrison

AOG .............................................................................17 Medlock & West Realty........................................49

publisher

Crystal Costa te l Esta River Valley Real Estate y Rea Valle

Assurance Realty ..............................................56-57 O’Neal Real Estate ............................................50-54

ME&HOME&HOM O H E &

r Rive

18 ch 20 Mar

May 2018

Rive r Vall ey R eal E state April 2018

Bancorp......................................................................64 Olson Realty .......................................................20-22 Berkshire Hathaway Homes Services............27 Pat Satterfield Realtors ..................................42-44 Chuck Fawcett Realty.....................................40-41 Quantum Property Services ........................18-19

d by Liste

te Estamind ntry fort in alty 170 Cou& Com t Pro Re Liste Peaceful Acre d by Setting able ance Marke A Aar show ark ith Eleg illiams 3 Acres bordering Greenwood on Lake stop Ran Remmbuilt w, Keller W Listed by Ronald Ragon Realty O pg ’N35 eal, per w che un to O’N ith br r’s Cus Calho eal D ea Real thta rea lene Esta king vi m Gay te pa ew ge s 17

The opinions and observations expressed in River Valley Real Estate & Home are those of the respective authors and do not necessarily reflect the opinions of Times Record.

Volume 11, Number 3 River Valley Real Estate & Home, a magazine of the TImes Record published 12 times a year.

Citizens Bank...........................................................37 Ramona Roberts Realtors ............................12-17 Cobblestone .............................................................23 Remax .........................................................................11 Coldwell Banker Fleming Lau Realty ......46-48 Roger Cook Real Estate .......................................39 Dovetail Dimensions.............................................. 3 Ronald Ragon Realty ............................................62 First Financial Bank ..............................................45 Sagely & Edwards Realtors ..........................30-36 Greater Fort Smith Home Builders Assn .............63 Sutherland Lumber Co ........................................48

© Copyright 2018 Times Record

Jimmy Bell Real Estate ....................................... 4-9 Trinity Multifamily.................................................29 Advertising information is available from Monica Carter at (479) 785-7700 ext 1322 or mcarter@swtimes.com

JE Jones .................................................................58-59 Weichert Realtors ..................................................10 Keller Williams Market Pro Realty ...........24-26 Western Arkansas Title .......................................61

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:HOFRPH +RPH Fort Smith, Arkansas 479.646.7444

8600 Gatehouse Way

12609 Limestone Drive

8606 Gatehouse Way

This 2347 sq. ft., 4 bdrm 3 bath, open living home features formal breakfast room, 2 pantries, built-in hutch, custom cabinets and lighting plus outdoor living with ďŹ replace. Private master suite offers tray ceiling and access to covered patio, along with whirlpool tub, chandelier, double vanities, walkout shower and huge walk-in closet with built-ins in master bath.

Call Robin @ 479-719-0593 for your showing. Owner/Agent.

Come see this one-owner 3356 sq. ft., 5 bdrm (or 4 with study) 4 bath home in great south Fort Smith location features soaring ceilings, formal dining, 3 cm granite throughout, bonus/theatre room, wood oors, abundant storage and enormous fenced back yard.

Kitchen offers stainlesss appliances, gas range, pantry and raised breakfast bar. Master suite has wood oors & patio access, huge walk-in closet with a safe and entertainment cabinet in bonus room convey. Call Robin @ 479-719-0593 for your showing.

This 2338 sq. ft., 4 bdrm 3 bath home features a new oor plan with 10’ beamed ceiling and ďŹ replace in living room.

Kitchen/dining offers open truss cathedral ceiling, built-in hutch, pantry, quartz countertops, abundant cabinet and prep space, plus a breakfast bar. Upstairs, the 4th bedroom showcases an urban loft and private bath. Inviting outdoor living with ďŹ replace & grill. So much more, this home is a “must seeâ€?!

Call Rocky @ 479-651-6118 for your showing. Owner/Agent.

3(1

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8404 Stoneshire Drive

5707 Williamson Place

6208 Gordon Lane

Come tour our updated 2535 sq. ft., 4 bdrm 3 bath, Camelot plan featuring open living, barn doors leading to informal breakfast nook, 2 pantries, custom cabinets and lighting plus fabulous outdoor living area with ďŹ replace and TV. Private master suite offers luxurious bath with chandelier, whirlpool tub, double vanities, walkout shower and huge walk-in closet with built-ins.

Call Robin @ 479-719-0593 for your showing. Owner/Agent.

This immaculate one owner 2114 sq. ft., 3 bdrm 2 bath home features living room with beamed cathedral ceiling, wood oors, spacious kitchen with island and 2 pantries, sunroom, + fabulous outdoor living with ďŹ replace and inground pool. Master suite opens to sunroom which gives access to covered outdoor living. Master bath offers 2 sinks, walk-in shower, whirlpool tub and convenient access to laundry room through the huge master closet.

Call Robin @ 479-719-0593 for your showing.

Come see this jewel in the heart of Fort Smith in great condition.

This unique sprawling 3044 sq. ft., 4 bdrm 3 bath, ranch style home features 2 huge living areas, indoor inground pool, sunroom, updated bath, new carpet, fresh paint, hot tub room and abundant storage plus attached\detached guest house or in-law apartment.

The enormous yard offers privacy, lush landscaping, patio and gazebo all surrounded by hardwoods. Sold ‘as is.’ Call Robin @ 479-719-0593 for your showing.

Chaffee Crossing’s Newest Neighborhoods

COMING SPRING 2018

Ask us about our spring 2018 incentive home special!

Specials apply to new homes only.

Serving the River Valley since 1990 • www.CobblestoneHomesRealEstate.com RIVER VALLEY REAL ESTATE & HOME - JUNE 2018 | 23

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Specializing in Federal Housing Administration (FHA) Financing Since 1935

10/6

Conventional, VA, FHA, and Rural Development Loans available.

USE THIS CHART TO ESTIMATE YOUR MONTHLY MORTGAGE PAYMENT. Interest Rate 2.500% 2.625% 2.750% 2.875% 3.000% 3.125% 3.250% 3.500% 3.750% 4.000% 4.125% 4.250% 4.375% 4.500% 5.000%

Repayment Term per $1,000 15 YEARS 6.67 6.73 6.79 6.85 6.91 6.97 7.03 7.15 7.27 7.40 7.46 7.52 7.59 7.65 7.91

20 YEARS 5.30 5.36 5.42 5.48 5.55 5.61 5.67 5.80 5.93 6.06 6.13 6.19 6.26 6.33 6.60

30 YEARS 3.95 4.02 4.08 4.15 4.22 4.28 4.35 4.49 4.63 4.77 4.85 4.92 4.99 5.07 5.37

Determine your loan amount and divide that amount by 1000.

Multiply that product by the number that corresponds with the interest rate and repayment term you have chosen. The ďŹ nal product will by your monthly principal and interest payment.

EXAMPLE : MPBO t JOUFSFTU SBUF 30 year repayment term 100,000/1,000=100 100x4.63=$463.00* *NOTE: Taxes, Insurance and Mortgage Insurance (if applicable) are not included in above calculation.

(Mortgage Credit CertiďŹ cate)

YOU COULD EARN UP TO $2,000 TAX CREDIT FOR A PRIMARY HOME PURCHASE. (DOLLAR FOR DOLLAR CREDIT)

MCC QUALIFICATIONS (Please call for additional details or prequaliďŹ cation.)

t Obtain a ďŹ xed rate Conventional, FHA, VA or RD loan for a purchase of a PRIMARY residence. t Purchase price must not exceed $250,000. t ALL types of income for ALL persons over the age of 18 who will be living in the residence must be reported. t The yearly tax credit can be received as long as the owner lives in the home, retains a mortgage, and has a tax liability. t Each year the tax credit is recalculated on the remaining principal balance.

SEBASTIAN COUNTY t Buyers may NOT have owned a primary home in the previous 3 years unless they are a Veteran.

Income Limits #of People Living in Household 1-2

Total Household Income $59,496

3-4

$68,420

CRAWFORD COUNTY t Buyers MAY have previously owned or currently own a home.

Income Limits - Waivers may be requested #of People Living in Household 1-2

Total Household Income $63,840

3-4

$74,480

** PLEASE CONSULT AN ACCOUNTANT FOR ADDITIONAL TAX DETAILS.

FIRST FINANCIAL MORTGAGE IS PROUD TO BE THE #1 MCC LENDER IN ARKANSAS SINCE 2011.

ETHAN ADAMSON NMLS #924274 479-459-3719

SHERRY HOLDEN NMLS #445259 479-806-7200

TRACI WILHELM NMLS #733614 479-461-3799

3401 Rogers Ave., Suite A | Fort Smith, AR 72903 | (479) 782-9300 | www.ffb1.com RIVER VALLEY REAL ESTATE & HOME - JUNE 2018 | 45

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At BancorpSouth, we’ve been helping people buy and renovate their homes for over 140 years. We offer a variety of mortgage types, and our mortgage lenders will help to ensure the process is painless. Plus, we feature an easy-to-use website with an online mortgage calculator and online applications. When you want to turn a house into your home, you need someone you can trust.

We’ve got the Right Mortgage for Right Where You Are in Life. Call or visit one of our lenders today.

Ciela Edwards

NMLS #484988 5800 Hwy 71 S Fort Smith, AR 72908 (479) 649-1011

Grissa Schmitz

NMLS #1617157 1222 Rogers Ave Fort Smith, AR 72901 (479) 785-8332

Stacy Johnson

NMLS #484982 7000 Rogers Ave Fort Smith, AR 72903 (479) 478-4426

Sandra Barron

NMLS# 458059 1222 Rogers Ave Fort Smith, AR 72901 (479) 785-8324

Mortgages are subject to approval. Interest rates are subject to change without notice & dependent on credit score. This is not a commitment to lend or rate guarantee.

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