Dan Sells the Lake

There's a lot involved in the purchase of a house from finding the best mortgage to getting the down payment squared away. If you are thinking of purchasing a new home at the Lake of the Ozarks , here are a few things you should consider before you begin the home buying process.  1. Check Your Credit Your credit history is one of the biggest factors lenders use to determine whether you're a good borrower. When you get ready to apply for a mortgage, check your credit report, and if needed, file written disputes to eliminate errors. If you have credit cards with high balances, try to pay them down to show that you're not using all of your available credit, which could send up a red flag for some lenders.  2. Evaluate Assets & Liabilities It's important to know how you're spending your money. Do you have enough to save at the end of the money or do you go from pay check to pay check? If you understand where your money is being spent, you may be able to chan...

Buying a house is a rather involved process, and first-time buyers (or repeat buyers, for that matter) can't be expect to know everything about the process ahead of time. Working with a real estate agent at the Lake of the Ozarks can be a great way to get ahead of the game and educate yourself on every important aspect of the process. Here are are a few things you may not have known about buying a house at the Lake of the Ozarks . 1. It's Not As Hard As You Think Believe it or not, finding the right house is a relatively easy process. I work with my buyers to get an in-depth understanding of what they're looking for in their new homes, and then I scour the MLS to find properties that match their descriptions. We then visit each one in person until we stumble across the right home, at which point we submit an offer. My assistance does not stop there; I will continue to work with you as we negotiate with the sellers. 2. You Should Talk To A Lender  Before  You Begin Sh...

When you decide to buy a home , there are a few things that you can do before getting into the home loan process to increase your chances of getting the loan that you want. These are simple steps that only require a bit of preparation. A good real estate agent at the Lake of the Ozarks will point you in the right direction to get started.  Here is a great way to get the ball rolling.      Check your credit scores. You should get a good look at your credit scores before the bank begins looking into them.  Federal law allows you to receive a free copy of your credit report once a year from each of the three credit reporting companies:  Experian, TransUnion, and Equifax.  This allows you to check it for any inaccuracies that need to be corrected. Mistakes do happen, and you will want to give yourself 3-6 months before applying for a home loan to file a dispute and correct any problems you may find.   You will want to have at leas...

When you begin thinking about buying a home at the Lake of the Ozarks , there are a few things that you can do that are in your best interest.  When clients work with me through Dan Sells the Lake , I always make sure that these tips are covered. Keeping them in mind will make the entire search for a home work to your advantage.     1. Make a "wants" and "needs" checklist.  Before you begin looking for a new home at the Lake of the Ozarks , think about exactly what you are looking for.  Next, decide which items are non-negotiable, and which ones would be nice but you could do without.  Every time that you view a house, take the list with you and make notes.  This will help you remember key points about each property after you have seen a few.  Don't just base the list on your life right now.  You will most likely be in your new home for years to come, so make sure that you consider any big life changes that may come along, like a new ba...