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Tornados and Walkout Basement Homes in Springfield MO and the surrounding areas

 

I had recently considered writing a post about tornados, tornado warnings and basements. I never went past the consideration stage so I was pleased to read the post below.

Growing up in Illinois, I remember numerous tornados. One in particular took out a large stretch about a mile from our home. The sound was incredible. No one was injured, no one was killed.

Tornados are a fact of life, a reality. And no, I am not mentally ill!

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Via Lina Robertson, REALTOR, Springfield MO Homes For Sale (RE/MAX Solutions):

www.ozarks-realestate.comI work with a lot of buyers from out of state.  A large percentage of them ask for a home with a walkout basement.  It is obvious that many of these buyers do not need the basement for the space.  They are wanting shelter from tornados.

I recently worked with some buyers who had a basement home as their #1 criteria.  Several months into the process, it was obvious that the only homes we were going to find that fit all of their other criteria were not going to have basements.  We finally found one home that both husband and wife loved.  The only problem...it didn't have a basement. 


The husband finally asked me:  "Aren't you worried about tornadoes?" 
My response:  "Not really.  I suppose I'm used to them."


I'm a native in the Springfield/Ozark area.  I have grown up around tornados and tornado warnings.  (Knock on wood) I've not been blown away yet.  Tornados are a part of life to natives of our area.  I am actually more afraid of hurricanes and earthquakes, probably because I've never experienced one.  I think our fears are rooted in what we are unfamiliar with.


www.ozarks-realestate.comAs we sat down to write an offer, imagine my surprise when I pulled the Seller's Disclosures to find in big print at the top, "EXTENSIVE REMODELING IN 2006 DUE TO TORNADO DAMAGE."  Hmmm.  Great.  My clients fears are justified.  The husband asked HOW MUCH damage was done.  A call to the listing agent confirmed that $120,000 worth of damage was done to the home.  Since this home didn't have a basement, my clients wanted to know if the sellers were home when the tornado hit, and where they were in the house.  The listing agent encouraged us to call the seller directly.  Here's how the conversation went.

Me:  Were you home at the time of the tornado?
Seller:  Yes.

Me:  Where were you in the house?
Seller:  Well, my wife was in the hall bathroom, and I was on the front porch.  The tornado hit about 1:00 a.m., and it was pitch black outside.  We heard on the radio reports that the tornado was headed straight towards our home.  I stood on our front porch for about 10 minutes.  Finally, a bolt of lightening lit up the sky, and I could see it right across the street.  My wife yelled, "Hurry up, it's coming."  I turned and started for the hall bathroom and yelled, "No, it's here!" and barely got the door shut before the dining room windows broke.


Neither of the sellers were injured.  Fortunately, their homeowners insurance paid for the damage, and the wife was thrilled that she was actually able to make numerous other upgrades throughout the home with the money they received from insurance.



www.ozarks-realestate.comAfter we hung up the phone, my client looked at me very seriously and said, "I can't buy that home.  I don't believe the seller is in his right mind, and believe he is incapable of making any decisions regarding any contracts."  My client honestly believed the sellers were mentally ill.

 


Maybe we are crazy.  As I am writing this, there is a tornado warning in my area.  The tornado sirens are on, and the electricity is flickering on and off.  Me....I'm in my garage in a lawn chair with my laptop.  As I peek out the garage door, I can see people standing in front of nearly every home down my street.  What are they doing?  Watching for the tornado....of course.

 

 

www.ozarks-realestate.com

If you are thinking of moving to Springfield, Missouri, and have a fear of tornados, consider buying a walkout basement home.  However, if a basement is not in your budget, visit Missouri Storm Shelters.  For $3,500 you can have an inground concrete shelter installed....a price that costs much less than a basement home.



Lina Robertson
Owner/Agent
RE/MAX Solutions
1715 James River Road
Ozark, MO, 65721
Mobile: (417) 844-7265
linarobertson@remax.net
RE/MAX - Outstanding Agents, Outstanding Results!
 

I am a full-time REALTOR® in Springfield, MO, and a member of the Greater Springfield Board of REALTORS®, helping Buyers and Sellers with homes for sale in the Springfield MO Real Estate, and Ozark MO Real Estate markets as owner and full-time agent of RE/MAX Solutions.  Visit my website at www.ozarks-realestate.com and obtain access to search for All Springfield MO Area MLS listings, as well as current Springfield MO Area Real Estate Market Reports.

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915 W. Washington St, Marshfield MO 65706 Commercial building for sale

Commercial building on high traffic corner in Marshfield MO


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Description
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$389,000
Commercial
For Sale
Main Features
Interior: 3900 sqft
Lot: 1.25 acre(s)
Location
915 W. Washington St
Marshfield, MO 65706

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Debbie DiFonzo

Debbie DiFonzo

United Country VIP Realty
(417) 532-2031
missouriagent@msn.com
http://www.ucmissouri.com



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Debbie DiFonzo, Broker/Owner, United Country VIP Realty, specializes in unique and premier properties in Marshfield, Conway, Phillipsburg, Lebanon, Long Lane, Buffalo and the surrounding areas in South Central Missouri.

To view all our listings and search the MLS, visit:
United Country VIP Realty
Debbie DiFonzo, Broker

Send a text message to Debbie: 417-533-4015

Copyright © 2010 By Debbie DiFonzo, All Rights Reserved. The information provided herein is obtained from multiple sources and is deemed accurate but not guaranteed.

Commercial building in Marshfield MO for sale l 915 W. Washington Street Marshfield MO 65706

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8 Ways To Sell Your Springfield Missouri Home Quickly And For The Best Price

Betty and John have done a wonderful job outlining 8 ways to sell your Springfield MO home quickly and for the best price -

I am re-posting their list here, as I truly believe these tips will assist you no matter where you are in the Ozarks -- 

Sold Banner

 

 

Via Team Knowles, Springfield Missouri Real Estate, Betty & John Knowles, REALTORS® (Keller Williams - www.springfieldmissourihomesforsale.com):

1. Define the reasons why you are selling your home in Springfield MO, and keep those reasons private.
Telling a prospective buyer that you are selling your house because you can no longer afford the payments, or because you need to move quickly, puts them at a bargaining advantage. Once you have decided that it is the right time to sell your home, keep the reasons why to yourself. Those reasons will dictate most of your other selling decisions, such as how much you want to invest in fixing up your home before you sell, how to set your asking price, how long you are willing to keep your house on the market to get the price you want, and how much money you want to walk away with after all is said and done. Keeping this information to yourself will put you at an advantage during the negotiation process.
2. Know how to properly set a price for your home.
It’s important to do your homework before coming up with the right selling price. Compare your home to other similar homes that have recently sold in your area over the last 6 to 12 months. Generally, most prospective buyers will compare your home to 15 or 20 similar homes, so they will already have a good feel for what your home is worth. If you set your price too high, you will obviously attract very little interest from prospective buyers or real estate agents. If you set your price too low, however, you will have people wondering what is wrong with your home, and you may scare away those very same prospective buyers and agents.
3. Pick the right real estate agent for you.
Statistics show that three out of four homeowners wouldn’t use the same real estate agent they used to sell their last home. Choosing an agent should be no different than interviewing someone for a job...after all, the agent is working for you! Find an agent who makes you feel comfortable, and who is able to effectively communicate with you at all times.
4. Increase the sales potential of your house.
Never underestimate the importance of curb appeal. For most people, buying a home is an emotional choice, and they need to feel a connection to a home before they buy. You can increase the likelihood of this happening by performing all minor cosmetic repairs in your home, planting fresh flowers and shrubs outside, and by adding a fresh coat of paint wherever it is needed. Before you show your house to a prospective buyer, you should clean every inch of your home. Many buyers can be turned off by a minor detail, such as a dusty ceiling fan or a loose moulding, so fix everything you can. They’re trying to imagine themselves at home in their new house, and it’s your job to help them accomplish that.
5. Make sure all of the information on your house is readily available to prospective buyers and agents.
One sure way to discourage buyers and agents from seriously considering your home is to waste their time by not readily answering all their questions about your home. Sales pitches, misleading information, and playing phone tag with agents and buyers is a sure way to eliminate serious offers. Have your agent place an ad with a phone number that will lead to a 24-hour, prerecorded hot line with all the pertinent information on your home. Studies have shown that three times as many buyers respond to such a system, and getting the information about your house to as many potential buyers as possibly will obviously increase the chances of a sale.
6. Understand your buyer.
While it is important to protect your reasons for selling your home, finding out what motivates a potential buyer will definitely put you at an advantage during the negotiation. Knowing if the buyer needs to move in quickly, or if they are able to get financing easily will dictate how far you can push them to get your asking price.
7. Ensure that all the paperwork is complete at all times.
Eliminate the possibility of unseen delays by disclosing everything you can about your house, preferably in writing. Make sure that all responsibilities and costs are clearly spelled out in the sales contract, and that neither you nor the buyer veers away from these agreements. Resist the temptation to make a change at the last minute just to make the buyer happy... this can increase the possibility of the deal falling through.
8. Live in your house in Springfield MO until it is sold.
It is easier for a potential buyer to see themselves living comfortably in your home if you are already doing so. An empty house can easily look lonely or unwanted. Even resist the urge to tell prospective buyers that you have already found a new home, since this will give them the impression that you are eager to sell.

7 Costly Mistakes When Selling Your Home In Springfield Missouri

Top Questions You Need To Ask Your Springfield Missouri Real Estate Agent Before Hiring Them

Betty & John Knowles

 

 

 

 

TeamKnowles, Spouses Selling Houses!


Keller Williams Realty, Springfield Missouri

 


2925 E Battlefield Rd
Springfield, MO 65804                   

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We serve sellers and buyers looking for Springfield Missouri Homes For Sale, Ozark Missouri Homes For Sale, and Nixa Missouri Homes For Sale. Ask us about our comprehensive marketing plan to sell your home or click our website to search all properties for sale in the area including foreclosures. Springfield Missouri Real Estate Market Report. We're here to help!



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Why I Love Mondays!

WOW! It feels great to be getting back to my blog! Family Life and the world of real estate have kept me occupied the last few weeks - boy, have I missed writing about South West Missouri real estate and the happenings around here!

While this isn't an original piece, I thought it was fitting for how I've been feeling -

We have to start somewhere!

 

Via Claire C. (ActiveRain Corporation):

With Great Respect to Jim Davis, Creator.

I have expounded on the brilliance of mornings in the past, and now, I'm afraid I must write an ode to Mondays.  There are people in this world who, when Monday rolls around, they hit the snooze button eighteen times before finally rolling out of bed, their hair mussed and going every direction, dark circles under their eyes, and pajamas rumpled from their tossing, turning escapades of the night past.

Perhaps I need not say it, but I'm not one of those people.  I rolled out of bed bright and early this morning at 7am, brushed my teeth, pulled on the clothes I'd laid out last night, grabbed the bag I'd packed, grabbed my pop tarts and headed to work.  I flew across the 520 bridge and soared up 405, parking in my favorite spot upon arrival and taking a quick jaunt to Starbucks for an iced mocha.

Yes, it was a good morning. 

Setting down with my mocha and my Todoodlist, I added a few items that had popped up over the weekend, sent out prepatory emails to some of the guys so that I had what I needed by the end of the day, and got down to work.  Lunch flew by without a fuss - everyone's lunch order was correct this time! Woot!

Now, I'm sitting here, and it's 2:34pm.  My Todoodlist is now down to three items for follow-up -- down from eighteen this morning.  Now, orange juice in hand, I'm considering the rest of my day.  I have just an hour and a half before it's over, and that is PLENTY of time to get some of the more tasteless frogs swallowed.

Mondays are wonderful work days for me because I have SO much energy.  I'm a yes-girl on Mondays - "Yes, I can do that!" "Sure, I'll get right on it!" "Absolutely, I have time for that today."  I think this energy is the product of keeping my weekends low-key; if you're always running around, when do you have time to breathe?  Story of my life!

So an ode to Mondays...  They are definitely my high-energy, high-production day.  I know Jon thinks I'm super-organized and uber-productive, but everyone has those days where they don't feel like they got anything done (I've posted about a few myself!).  All I have to say is: Thank the Rain for Mondays.... we have to start somewhere, and why not start on the best foot possible?

Some tips for happy Mondays:

  1. On FRIDAY, make your Monday to-do list, so you don't think about it at all over the weekend.  Neaten your desk.
  2. Sunday evening, eat before 8pm and get to sleep at a reasonable hour.  If you have time, read before bed.
  3. Monday morning, get out of bed the first time your alarm goes off.  Studies show that people actually feel MORE tired after hitting the snooze.
  4. Upon arrival to work, add the new items that came through your inbox to your to-do list.
  5. Get some coffee or orange juice, make sure you've eaten SOMETHING (even if it's just a banana).
  6. Start at #1 on your to-do list and race yourself to see how much you can get done before the next person arrives at work.

Finally:

      7.  Make sure you always have ONE THING on your desk that makes you happy.  Right now, I have daffodils!

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Marshfield MO Realtors collecting used printer cartridges for Relay For Life

Join Us in

*Celebrate. Remember. Fight.*

The Fight Against Cancer

Relay for Life, Marshfield MO

There is No Finish Line…
Until We Find a Cure!

The Marshfield Area Realtor Team
will be collecting
used ink/printer cartridges as a fundraiser.
Please save them for us through the end of May 2009!
You can drop them off at United Country VIP Realty,
1329 Spur Drive, Suite 160 (Behind Ziggy's)

Marshfield MO
Or give us a callwe’ll come by and pick them up!
417-468-5900 office phone


Marshfield MO relay for life

 

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Marshfield MO Realtor Team gearing up for Relay For Life

This year, the Marshfield Missouri Realtors are joining forces - there is power in numbers!

Together we are forming the 2009 Marshfield Area Realtors Team!

We've hit the ground running and hope you'll join in our fundraising efforts.

Relay For Life Webster County will be held on June 19th - June 20th, 2009

Relay for Life Supporter

 

There is No Finish Line...
Until We Find a Cure!

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Are you a First Time Homebuyer in South Central Missouri? 10 things to know

 

If you're a First Time Homebuyer in Missouri - this post is for you! 

Recently, there have been so many changes in First Time Homebuyer Tax Credits I know many of you must be confused - I know I have been. Between the political party's taking, the media blabbing and then the actual changes, what we have in force has been difficult to keep track of.

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As of today, I think you're safe in following this summary for the First Time Homebuyer Tax Credit of 2009: 


1. A First Time Homebuyer is defined as someone who has not purchased a primary residence in the last three years.

2. The Federal First Time Homebuyer Tax Credit is now $8,000 or 10% of the value of the home.

3. This tax credit applies to people who purchase homes from the start of 2009 through the end of November 2009.

4. This is a tax credit which means just that -you get a credit.

5. This is not a reduction on tax liability.

6. The tax credit can be used for your tax liability - if you owe $5,000 in taxes, you  can offset that with money from your $8,000 tax credit.

7. The credit applies to your principle residence. (house, townhouse, condo)

8. Buyers will have to repay the credit if they sell their home within three years.

9.There are income guidelines! To receive the full credit, first time buyers who are single should have an income of $75,000 or less; couples $150,000 or less.

10. Missouri Tax Credit Loan Program - As I mentioned a few weeks ago, Missouri will assist you with your down payment and closing costs, up to 6% of the purchase price. Missouri is then paid back when you file for your Federal tax credit. There are many more details but this is an amazing opportunity!


Whew! Got all of that??

This may help --

The first I heard of this chart in a post written by Missy Caulk, a fellow Realtor from Ann Arbor, MI. The chart was created by the National Association of Realtors (www.realtor.org) and I think it does a great job of  putting "it" all together.

 
Tax Credit

 

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Contact Debbie DiFonzo, Broker, United Country VIP Realty to buy property in Lebanon, Conway, Marshfield, Buffalo, Bennett Springs and the surrounding areas. I specialize in country homes, hunting land, river front property, dairy farms, large acreage and commercial property in Southwest Missouri.  417-532-2031 Lebanon MO office phone or email: missouriagent@msn.com

Copyright © 2009 By Debbie DiFonzo, All Rights Reserved. Are you a First Time Homebuyer in South Central Missouri?

Disclaimer: The information provided herein is obtained from multiple sources and is deemed accurate but not guaranteed. Information subject to change without notice.

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MHDC Tax Credit Advance Loan Program for 1st Time Home Buyers in Missouri

The MHDC (Missouri Housing Development Commission) has announced a new program to work in conjunction with the Federal First Time Home buyer Tax Credit program. This is exciting news for buyers that want to buy a home and qualify to buy a home but do not have the required 3% down payment and the closing costs.

MHDC tax credit
MHDC is offering a tax credit advance - in a nut shell, MHDC will lend a first time home buyer up to 6% of the purchase price (up to $6,750) to assist with the down payment and the closing costs associated with the loan. This money will then be paid back to MHDC when you, the first time home buyer, file your income tax, receiving the federal income tax credit for the purchase.

This tax credit advance will be offered along side MHDC loans - which are 30 year fixed rate mortgages.

This is awesome news! First time home buyers, with good credit, but with little to no cash now have an option!

There are a few key points to remember if you feel this program is for you:

1. You must contact a certified lender. MHDC has a list of qualifying lenders on their website:  List of Certified Lenders

2. You must not have owned a home or interest in your primary residence in the last three years.

3. You must meet a required minimum credit score.

4. You cannot exceed a household income level of $85,500 per year

5. You must stay within the purchase price limits.


Before contacting a certified lender, be sure to do a little home work first.

Be prepared to:


1. Provide the name, address and telephone number of your employer (yes, you must have a job!)

2. Have a list of your debts, including your credit cards.

3. Make available copies of your last three years of tax returns.

4. Have handy your most recent 3 - 4 pay stubs.


I have worked with many great certified lenders in South central Missouri and of course, we have many great properties that will work with MHDC loans. This is an awesome opportunity to Find Your Freedom in Missouri and own a home of your own!

For more details on this program, please visit the MHDC website.

For more details on homes in Laclede, Webster, Wright and Dallas Counties in Missouri, please visit my website, Find Your Freedom Missouri.

MHDC tax credit advance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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Contact Debbie DiFonzo, Broker, United Country VIP Realty to sell your property or to buy property in Lebanon, Conway, Marshfield, Buffalo, Bennett Springs and the surrounding areas. I specialize in country homes, hunting land, river front property, dairy farms, large acreage and commercial property in Southwest Missouri. 417-532-2031 Lebanon MO office phone or email: missouriagent@msn.com



Copyright © 2009 By Debbie DiFonzo, All Rights Reserved. MHDC Tax Credit Advance Loan Program for 1st Time Home Buyers in Missouri.


Disclaimer: The information provided herein is obtained from multiple sources and is deemed accurate but not guaranteed. Information subject to change without notice.



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US Market Risk Index shows Missouri as Minimal Risk -

Missouri real estate still a good investment; United Country VIP Realty, Lebanon MO The Office of Federal Housing Enterprise Oversight publishes several reports each quarter regarding home ownership, home prices and other statistical charts.

One such report by the OFHEO is the the PMI 2nd Quarter Risk Index. This report is used as an indicator of the likelihood for failed mortgages - in the future.  The report takes into account the likelihood of failure in the next two years. Thus the report looks to the FUTURE and is not a reflection of what the market has done in the past.

In the case of Missouri, I think the FUTURE and the PAST are very similar. We have not seen skyrocketing foreclosures in Missouri.  In part, I think this is a reflection of reasonable closing costs in Missouri. This has not been widely discussed, but I do believe part of the mortgage mess we are in today is due to homeowners rolling in outrageously high closing costs into their loans.

Our office mainly serves three counties in Missouri: Laclede, Webster and Dallas Counties. We do not serve a top six market (we're actually in the middle of all of these) but here is how those six rate on the lastest US Market Risk Index:


St Louis MO Minimal
Kansas City MO Minimal
Columbia MO Minimal
Jefferson City MO Minimal
Joplin MO Minimal
Springfield MO Minimal


 

To give you perspective, here are a few of the other areas/states:

Ann Arbor MI Low 16.3
Washington DC Moderate 26.0
Carson City NV High 98.2
Myrtle Beach SC Elevated 45.1


I think it's safe to say that Missouri is in pretty good shape and real estate remains a solid investment. Now is the perfect time to list your property because now is the perfect time to BUY Missouri property!

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