Outdoor Living Spaces — Creating Multifunctional Backyard Retreats

Want to get more out of your backyard? With a few multifunctional upgrades, you can. Here's how to create a comfortable retreat you'll actually use:  

Section your yard into zones: Assign different zones to your space based on functionality. For example, you might establish a relaxation zone, a dining zone, an entertainment zone, and an activity zone.

Choose multipurpose furniture: Look for modular seating, folding tables, or storage benches to save space and get the most out of every piece. To minimize seasonal wear and tear, opt for weather-resistant cushions and a covered pergola. An outdoor heater is a bonus if you live in a cool climate.

Add functional greenery: Install raised beds or vertical planters for herbs and veggies to get the most out of your space. Alternatively, keep your landscaping simple by planting flowering shrubs and native grasses that require little maintenance. Add string lights and a yoga mat to transform this fresh green space into a personal healing retreat.

Extend your kitchen and dining area: Who says you can't have an outdoor kitchen? Install a fire pit, pizza oven, or grill station to take family dinners to the next level. Include a table with plenty of seating and an umbrella to keep your guests cool during summer BBQ get-togethers.

Make it fun: Leave enough open lawn space for games, or if you have little ones, consider adding a sandbox with a playset. Want to have a cozy movie night under the stars? Add a projector or hidden speakers to create your own outdoor theater.

Elevating your backyard with these multifunctional remodeling tips will do more than just extend your living space. Well-designed spaces with features such as patios, lighting, and decks are a hit with buyers. So go ahead: spring for that hot tub. It might just boost your resale value in the long run.

Sources: Masterspas.com, Candslawn.com, Arkaenergy.com, Blog.techno-bloc.com, Bobbykdesigns.com

Team Lasson is here to assist with all of your home buying needs!  If you’re considering taking the leap into home ownership in the near future, we’re here to help.  Contact us today to explore which loan program aligns best with your financial goals. 

The first step in preparing for your big purchase is to get pre-approved for a mortgage at Lake of the Ozarks.  Visit www.yourlakeloan.com or call us at (573) 216-7258 to get started today!

Michael Lasson

Senior Mortgage Banker

NMLS #:  493712

Flat Branch Home Loans – Team Lasson

2882 Bagnell Dam Blvd

Lake Ozark, MO 65049

Cell:  (573) 216-7258

Email:  teamlasson@fbhl.com

Website:  www.yourlakeloan.com 

**The postings on this site are my own and do not necessarily represent Flat Branch Home Loans positions, strategies, or opinions.

Flat Branch Home Loans NMLS 224149. A Division of Flat Branch Mortgage Inc.

Fall Housing Trends: Cozy Touches Buyers and Homeowners Are Loving

Just like fashion, housing has its seasonal trends — and this Fall, buyers and homeowners alike are leaning into warmth, comfort, and natural beauty. Whether you’re searching for your next home or just giving your current space a seasonal refresh, these cozy favorites are rising to the top of fall’s housing must-haves.

Fireplaces and Outdoor Fire Pits

As cooler weather sets in, buyers are placing high value on features that bring people together. Fireplaces, whether traditional or modern, are climbing back onto wish lists. Outdoor fire pits are just as popular! They extend the livable space of a home and create a natural gathering spot for friends and family.

Warm Textures and Layered Comfort

Fall is all about making your home feel inviting. From plaid throws to chunky knit blankets and wood accents, layering textures is a simple way to create that cozy fall aesthetic. For sellers, incorporating these details in staging can help a home feel more welcoming to buyers walking through the door.

Natural Touches and Earthy Tones

Bringing the outdoors in never goes out of style! Greenery, pumpkins, dried stems, and earth-toned palettes are dominating décor trends this year. These natural elements in seasonal colors give a home warmth.

Softer Lighting and Ambient Glow

Lighting plays a huge role in the way a space feels. This Fall, homeowners are leaning into softer, layered lighting with lamps, sconces, and warm-toned bulbs. It creates that cozy, lived-in atmosphere buyers are drawn to when touring homes.

Functional & Stylish Entryways

With more time spent indoors, first impressions matter. This fall, homeowners are refreshing entryways with benches, hooks, and seasonal décor. Not only does this create a practical drop zone for everyday life, but it also sets a warm, welcoming tone as soon as you walk in.

Falling into home

Fall is a season that naturally invites comfort and connection. Whether you’re preparing to buy, sell, or simply want to refresh your space, these trends can make your home more inviting.

Team Lasson knows that finding the right home isn’t just about square footage — it’s about how it feels when you walk through the door. If a new home is on your horizon, our team is here to guide you through every step of the process.

Team Lasson is here to assist with all of your home buying needs!  If you’re considering taking the leap into home ownership in the near future, we’re here to help.  Contact us today to explore which loan program aligns best with your financial goals. 

The first step in preparing for your big purchase is to get pre-approved for a mortgage at Lake of the Ozarks.  Visit www.yourlakeloan.com or call us at (573) 216-7258 to get started today!

Michael Lasson

Senior Mortgage Banker

NMLS #:  493712

Flat Branch Home Loans – Team Lasson

2882 Bagnell Dam Blvd

Lake Ozark, MO 65049

Cell:  (573) 216-7258

Email:  teamlasson@fbhl.com

Website:  www.yourlakeloan.com 

**The postings on this site are my own and do not necessarily represent Flat Branch Home Loans positions, strategies, or opinions.

Flat Branch Home Loans NMLS 224149. A Division of Flat Branch Mortgage Inc.

For more licensing information, visit NMLSConsumerAccess.org

What Are the 4 C's of Mortgage Lending?

 Question: What are the 4 C's lenders use to qualify borrowers for a mortgage?

Answer: When applying for a mortgage, lenders evaluate your financial profile using the "4 Cs": 

Credit 

                Capacity 

                                        Capital

                                                            Collateral 

Understanding these can boost your approval odds.

Credit: Your credit score and history reflect your debt management. A score above 670 (FICO) is ideal. Lenders check payment history, credit utilization, and inquiries. Improve your score by paying bills on time and reducing debt (Experian, 2025).

Capacity: This measures your ability to repay based on income and debt-to-income ratio (DTI), ideally below 43%. Stable employment (two years minimum) and consistent income are key. Pay down debts to strengthen capacity (CFPB, 2025).

Capital: Lenders assess your savings for the down payment and reserves. A 20% down payment avoids private mortgage insurance, and reserves ensure financial stability. Save early to show readiness (Fannie Mae, 2025).

Collateral: The property secures the loan. An appraisal confirms its value and condition, ensuring it covers the loan amount. Choose a well-maintained home in a stable market (HUD, 2025).

The 4 Cs gauge lending risk. Strengthen them by checking your credit, lowering DTI, saving more, and selecting a solid property. Consult Team Lasson for guidance.

Sources: Experian, CFPB, Fannie Mae, HUD

Team Lasson is here to assist with all of your home buying needs!  If you’re considering taking the leap into home ownership in the near future, we’re here to help.  Contact us today to explore which loan program aligns best with your financial goals. 

The first step in preparing for your big purchase is to get pre-approved for a mortgage at Lake of the Ozarks.  Visit www.yourlakeloan.com or call us at (573) 216-7258 to get started today!

Michael Lasson

Senior Mortgage Banker

NMLS #:  493712

Flat Branch Home Loans – Team Lasson

2882 Bagnell Dam Blvd

Lake Ozark, MO 65049

Cell:  (573) 216-7258

Email:  teamlasson@fbhl.com

Website:  www.yourlakeloan.com 

**The postings on this site are my own and do not necessarily represent Flat Branch Home Loans positions, strategies, or opinions.

Flat Branch Home Loans NMLS 224149. A Division of Flat Branch Mortgage Inc.

Why Having Plants is Good for Your Home and Even Better for the Planet

Your yard isn’t just for curb appeal - it's a chance to make an impact. Adding plants to your landscape, especially native varieties, can create a space that does more than just look good. It can do good, too.

From boosting your home’s value to supporting a healthier ecosystem, here’s why bringing more greenery into your outdoor space is a smart move.

1. Plants Add Value to Your Home

Landscaping is one of the most cost-effective ways to increase your property’s value. In fact, homes with well-maintained landscapes can see a 5-12% increase in value, according to real estate experts.

Sustainable landscapes, those filled with drought-tolerant or native plants, often appeal to today’s eco-conscious buyers. Native plants require less water, are easier to maintain, and signal thoughtful, long-term planning.

2. Native Plants Support Pollinators & Biodiversity

Bees, butterflies, birds, and other pollinators rely on plants for food and habitat. When you plant species that naturally thrive in your region, you’re helping restore balance to the local ecosystem and supporting pollinators that are essential for food production and healthy gardens.

3. They’re Water-Wise & Low-Maintenance

Native plants are adapted to your area’s climate and soil. That means they typically need less water, no fertilizers, and fewer pesticides, making your yard not only more sustainable but also more affordable to maintain.

Sustainable landscaping can reduce outdoor water use by as much as 50%, making it both eco-friendly and cost-efficient.

4. Landscaping with Purpose

Adding plants creates a purposeful, connected environment in addition to filling space. Sustainable landscaping can reduce stormwater runoff, improve soil health, and even lower urban heat.

It’s an investment that gives back to your home, your community, and the planet.

A Greener Yard Starts with One Step

You don’t have to overhaul your entire yard to make a difference. Start small with a few native plants or replace part of your lawn with pollinator-friendly shrubs. Every little bit helps.

A beautiful yard can be a responsible one. With the right plants in place, your home can bloom in value – inside and out.

At Flat Branch Home Loans, we believe homeownership is about more than just having a house—it’s about building a life, investing in your community, and creating a space you love. Whether you’re buying, building, or refinancing, we’re here to help you put down roots and grow something great.

Ready to plant your future? Let's talk.......

Team Lasson is here to assist with all of your home buying needs!  If you’re considering taking the leap into home ownership in the near future, we’re here to help.  Contact us today to explore which loan program aligns best with your financial goals. 

The first step in preparing for your big purchase is to get pre-approved for a mortgage at Lake of the Ozarks.  Visit www.yourlakeloan.com or call us at (573) 216-7258 to get started today!

Michael Lasson

Senior Mortgage Banker

NMLS #:  493712

Flat Branch Home Loans – Team Lasson

2882 Bagnell Dam Blvd

Lake Ozark, MO 65049

Cell:  (573) 216-7258

Email:  teamlasson@fbhl.com

Website:  www.yourlakeloan.com 

**The postings on this site are my own and do not necessarily represent Flat Branch Home Loans positions, strategies, or opinions.

Flat Branch Home Loans NMLS 224149. A Division of Flat Branch Mortgage Inc.

For more licensing information, visit NMLSConsumerAccess.org

Understanding Real Estate Appraisals - How Your Home's Value Is Determined

Whether you're buying your first home or refinancing for a lower rate, lenders want to make sure your property is worth the money they're putting on the line. A real estate appraisal helps them confirm that the amount of your loan is reasonable based on the current market. It can also influence your interest rate and down payment. Here's what the process usually involves:

You apply for a loan: After you request a loan to purchase or refinance a property, the lender will order an appraisal.

A licensed appraiser visits the property: They may conduct an exterior-only review or complete a full interior inspection.

The appraiser analyzes local market data: They will then compare your property to similar recently sold homes in the area.

They evaluate condition and features: The appraiser factors in square footage, the number of rooms, updates, and overall quality.

You receive a report: Your appraiser will provide you and your lender with the estimated value of the property, supporting data, and an explanation of the methodology they used.

You can expect to receive a copy of this report at least three days before closing. If the appraised value comes in lower than you expected, it may impact how much equity you have. Of course, if you disagree with the appraisal, there are some steps you can take. Review the report thoroughly to look for factual errors, such as missing upgrades or inaccurate square footage. Then, gather evidence, such as photos and receipts for recent renovations. Present this information when requesting a reconsideration of value from your lender.

While the appraiser's job is to stay neutral, you have every right to challenge the report if something doesn't look right. By acting quickly, you may be able to significantly improve your appraisal and secure a more favorable loan.

Sources: Nar.realtor, FDIC.gov, Ronsellsthebeach.com, Nationwide.com

Team Lasson is here to assist with all of your home buying needs!  If you’re considering taking the leap into home ownership in the near future, we’re here to help.  Contact us today to explore which loan program aligns best with your financial goals. 

The first step in preparing for your big purchase is to get pre-approved for a mortgage at Lake of the Ozarks.  Visit www.yourlakeloan.com or call us at (573) 216-7258 to get started today!

Michael Lasson

Senior Mortgage Banker

NMLS #:  493712

Flat Branch Home Loans – Team Lasson

2882 Bagnell Dam Blvd

Lake Ozark, MO 65049

Cell:  (573) 216-7258

Email:  teamlasson@fbhl.com

Website:  www.yourlakeloan.com 

**The postings on this site are my own and do not necessarily represent Flat Branch Home Loans positions, strategies, or opinions.

Flat Branch Home Loans NMLS 224149. A Division of Flat Branch Mortgage Inc.

For more licensing information, visit NMLSConsumerAccess.org

Closing Expectations

Closing is the final step when purchasing or refinancing a home, where all aspects of the transaction are officially completed.

Buying or refinancing a home is a significant milestone for any borrower. However, for those unfamiliar with the process, navigating the mortgage journey can feel overwhelming. Team Lasson and Flat Branch Home Loans are committed to empowering our borrowers with the knowledge they need to navigate the home loan process. Here’s what you can expect during closing:

Payment

At closing, you’ll need to bring a certified or cashier’s check to cover your down payment, if applicable, and closing costs. Some closing agents may require wire transfers instead of a physical check. It’s important to confirm these details ahead of time with your lender or closing agent to ensure a smooth process.

Who's attending?

Depending on where you’re closing, you may see a variety of people involved in the transaction, including:

• The closing agent
• Your lender or their representative
• The seller (if you’re purchasing a home)
• Your real estate agent
• A title company representative, who ensures the property title is transferred correctly

What Happens at Closing

1. Review and sign all necessary loan documents, which will include the deed of trust or mortgage, promissory note, and Closing Disclosure.
2. Submit a certified or cashier’s check (unless a wire was already sent) for the down payment (if required), along with closing costs, prepaid interest, taxes, and insurance. The lender will provide you with the total amount due prior to closing.
3. The lender will transfer the funds for your home loan to the closing agent.
4. Once all legal documents are signed and required payments are made, you’ll receive the keys to your new home.

Preparing for Closing Costs

There are costs associated with closing. Knowing about these can help the closing process run more smoothly. The total amount of closing costs is usually between 3-5% percent of the loan amount.

1. Appraisal and Inspection Fees – These fees, often paid before closing, are necessary to confirm the home’s market value and assess its condition.
2. Title Insurance – Title insurance is a crucial one-time cost that safeguards you against any legal disputes or claims on the property. Though it’s an upfront expense, it offers long-term peace of mind about your ownership rights.
3. Loan Origination Fees - Most lenders charge an origination fee. This fee covers the administrative work involved in processing your loan and is paid at closing.
4. Closing or Settlement Fees - The closing agent or settlement company charges a fee for managing the distribution of funds and overseeing the required documents during the closing process.
5. Government and Recording Fees - These fees cover the cost of filing the necessary legal documents with the appropriate government offices to record the sale or refinance of the property.
6. Third-Party Loan Costs - Additional third-party fees may include charges for flood certification, credit reports, and verification services. These costs vary based on the property and loan type.
7. Property Taxes and Homeowners Insurance - At closing, you’ll prepay your first year of homeowners insurance premiums. Additionally, if your loan requires an escrow account, you may need to make an initial deposit to cover future property taxes and insurance.
8. Private Mortgage Insurance (PMI) - If your down payment is less than 20%, PMI may be required. Depending on your lender, this could be a one-time payment at closing or included in your monthly mortgage costs.

Quick Closing Checklist

The closing process can be daunting. Here is a quick and easy checklist to make sure you are prepared for closing: 

• Bring a valid photo ID.
• Verify your final closing costs and wire transfer instructions.
• Review all documents before the appointment.
• Complete your final walkthrough.

Closing Out   

Closing is an exciting and essential step in the homebuying or refinancing process. Team Lasson is here to ensure you feel confident and informed every step of the way. By understanding what to expect, you’ll be well-prepared to finalize your home loan and step into your new chapter with ease.

If you have any questions about the closing process or need additional guidance, don’t hesitate to reach out to our team. We’re here to help you every step of the way!

Team Lasson is here to assist with all of your home buying needs!  If you’re considering taking the leap into home ownership in the near future, we’re here to help.  Contact us today to explore which loan program aligns best with your financial goals. 

The first step in preparing for your big purchase is to get pre-approved for a mortgage at Lake of the Ozarks.  Visit www.yourlakeloan.com or call us at (573) 216-7258 to get started today!

Michael Lasson

Senior Mortgage Banker

NMLS #:  493712

Flat Branch Home Loans – Team Lasson

2882 Bagnell Dam Blvd

Lake Ozark, MO 65049

Cell:  (573) 216-7258

Email:  teamlasson@fbhl.com

Website:  www.yourlakeloan.com 

**The postings on this site are my own and do not necessarily represent Flat Branch Home Loans positions, strategies, or opinions.

Flat Branch Home Loans NMLS 224149. A Division of Flat Branch Mortgage Inc.

For more licensing information, visit NMLSConsumerAccess.org

What’s Trending in Today’s Housing Market?

The housing market is ever evolving-and so are the homes buyers are choosing. Whether you’re dreaming of a spacious Mediterranean villa or a cozy Colonial, knowing what’s trending can help you shop smarter and feel more confident in your decisions.

Colonial & Traditional American Styles

Classics never go out of style. Colonial and Traditional American-Style homes remain the most common on the market, making up nearly half of all homes for sale this spring. Their symmetrical design, timeless appeal, and family-friendly layouts continue to attract buyers across the country.  

If you're looking for something familiar, functional, and full of charm, a Colonial-style home might be the perfect fit.

Mediterranean Homes

Mediterranean-style homes—known for their stucco walls, red tile roofs, and expansive layouts—are among the largest and priciest properties available today. That’s no surprise, considering they’re most common in high-cost markets like Los Angeles and Miami.

While these homes offer plenty of luxury and curb appeal, they tend to come with a higher price point, which may be a consideration for today’s more budget-conscious buyers.

Bigger Isn’t Always Better

Over the past six years, larger homes have seen slower price growth compared to their smaller counterparts. That’s largely due to a shift in buyer preferences: many house hunters are prioritizing affordability and value over square footage, especially in lower-cost neighborhoods.

Smaller homes in desirable communities are becoming more attractive, particularly for first-time buyers or those looking to downsize.

Why This Matters

Understanding housing trends isn’t just for real estate professionals—it’s essential knowledge for anyone navigating today’s competitive market. Whether you’re just starting to browse or ready to make an offer, having the right information can help you feel more confident and in control.

At Flat Branch Home Loans, we keep a close eye on market trends so we can help guide you through the process, every step of the way. If you're ready to start your home search, we're ready to help.

Team Lasson is here to assist with all of your home buying needs!  If you’re considering taking the leap into home ownership in the near future, we’re here to help.  Contact us today to explore which loan program aligns best with your financial goals. 

The first step in preparing for your big purchase is to get pre-approved for a mortgage at Lake of the Ozarks.  Visit www.yourlakeloan.com or call us at (573) 216-7258 to get started today!

Michael Lasson

Senior Mortgage Banker

NMLS #:  493712

Flat Branch Home Loans – Team Lasson

2882 Bagnell Dam Blvd

Lake Ozark, MO 65049

Cell:  (573) 216-7258

Email:  teamlasson@fbhl.com

Website:  www.yourlakeloan.com 

**The postings on this site are my own and do not necessarily represent Flat Branch Home Loans positions, strategies, or opinions.

Flat Branch Home Loans NMLS 224149. A Division of Flat Branch Mortgage Inc.