Friday, March 8, 2024

March Happenings Around The Lake

 

March Happenings Around the Lake!!

Can you believe Spring is just around the corner?  Home Buying Season is upon us and now is the time for you to get pre-approved for your new Lake Home so you can enjoy these upcoming events!  Please give us a call at 573-216-7258 or visit our website at www.yourlakeloan.com to complete the online application to get into your new home quickly.

 

March 16th

33rd Annual St. Patrick's Parade on the Water

WHERE: Captain Ron's Bar & Grill, 82 Aloha Lane, Sunrise Beach MO 65049

The parade begins and ends at Captain Ron's, and there will be a prize for best costume/decorated boat and raffle drawing.

Schedule:

  • 8 a.m.: Optional breakfast
  • 9:30 a.m.: National Anthem
  • 9:35 a.m.: Blessing of the Fleet
  • 9:45 a.m.: Boarding

Call the Lake West Chamber at 573-374-5500 to purchase tickets or t-shirts, or for more information visit the website.

St. Patrick's Day Parade - 40th Annual Lake of the Ozarks

WHERE: Bagnell Dam Strip, Lake Ozark, MO

Sponsored by: The Bagnell Dam Strip Association

St. Patrick's Day is just around corner and what better way to spend the day than a parade! The event will take place on March 16th, 2024 at 1:00 pm on the historic Bagnell Dam Strip at Lake of the Ozarks Missouri.

Deck the whole family out in green, grab the lawn chairs and head out to Bagnell Dam Strip for an afternoon of family fun watching the various floats, cars, motorcycles and yes even boats as they make trip along the Strip. And who knows you might even score some candy!

Please be careful driving down Bagnell Dam Blvd before the event while floats are lining up. The road will be shut down at 12:45 and re-open around 3:00. You can exit or enter Hwy H.H. by using Hwy 242 and traffic will be let through at gaps in the parade.

First Annual Dase Jam Weekend

WHERE: Various locations

The DMAC Impact Foundation exists to make a difference in the lives of individuals and families affected by Crohn's disease and related struggles by providing resources and community support.

On Saturday, March 16th at 8 a.m., there will be 3 on 3 basketball tournament at Osage High School. Cost is just $50.

At 6 p.m. there will be a dinner and silent auction at Memory Lane Events in Eldon. Cost is just $75.

Click here for more information.

This event is in loving memory of Dasan J. McNerney: April 21, 1989 to January 27, 2023.

2024 Lake West Chamber St. Patrick's Day Pub Crawl

WHERE: Various locations around the west end of the Lake

It's the 2024 St. Patrick's Day Pub Crawl!

Buses run beginning at 5 p.m. Fourteen stops and 11 buses.

Purchase wristbands at any Pub Crawl location.

Food & drink specials and entertainment at all locations.

Route Locations (subject to change): Bear Bottom Resort, Branding Iron, Captain Ron’s, Chance’s R, Franky & Louie’s, NautiFish Rum Bar, Rocky Top Bar & Grill, Stogies Liquor & Tavern, The Glory Hole, Westside Pub, Whisky Dick’s, Woods Hwy 5.

Lake West Chamber of Commerce

573-374-5500

www.lakewestchamber.com

2024 Bridge and Dam Half Marathon or 10K  

WHERE: Bagnell Dam Strip, Lake Ozark, MO

The 10th Annual Bridge and Dam races will be held on March 23, 2024. Runners will start at the Bagnell Dam Bridge and this popular event attracts runners from all over the Midwest.

The races will begin at 7:30am. Traffic will be interrupted on the Strip until the conclusion of the races at 11:00am.

Walkers are welcome in either the half marathon or the 10K, as long as they can finish their race within the course time limit of 3.5 hours.

Registration is open online until Wednesday before the race. Click here for registration form.

Team Lasson is here for all of your home buying needs! If you're thinking about making the leap into home ownership in the near future, please contact us today to get started.  We can help you determine what loan programs works best for 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. To get started, visit www.yourlakeloan.com or give us a call at (573) 746-7211!


Michael Lasson

Senior Loan Officer

NMLS #: 493712 

First State Bank Mortgage – Michael Lasson 

2751 Bagnell Dam Blvd Suite B 

Lake Ozark, MO 65049

 

Cell: (573) 216-7258

Email: mlasson@fsbfinancial.com

Website: www.yourlakeloan.com

 

**The postings on this site are my own and do not necessarily represent First State Bank of St Charles’s positions, strategies, or opinions.

Monday, February 26, 2024

LOMDA St. Charles Boat Show 2024

 

Join Team Lasson at the St. Charles Boat Show 

The Lake of the Ozarks Marine Dealers Association will be hosting their annual St. Charles Boat Show very soon.  Your favorite  Lake of the Ozarks mortgage lender will be there as a vendor.  Join us February 29th through March 3rd at the St. Charles Convention Center for the St. Louis area’s largest boat show of the season!


Boat Show Details 


The St. Charles Boat Show is the premiere show for boating enthusiasts all over the Midwest.

Boat Show Hours: 
Thursday, February 29th: 2-9 PM
Friday, March 1st: 12-9 PM
Saturday, March 2nd: 10 AM - 9 PM
Sunday, March 3rd: 10 AM - 5 PM

Admission: 
$14.00 for Adults
$8.00 for Children 6-12
Children 5 & Under FREE

$2.00 of each paid Adult admission is donated to Kids’ harbor Child Advocacy Center

The Marine Dealers Association is made up of over 40 Lake of the Ozarks area marine dealers that represent the top lines of boats, marine accessories, docks, personal watercraft and everything else to promote fun on our waters.  Visit the website at St Charles Boat Show - Home (weebly.com) to see a complete list of Exhibitors and other Vendors.  You can also download the LOZ App for the boat show and everything about Lake of the Ozarks – you will even find TEAM LASSON on the app!

 

Stop by our booth at the boat show to learn more about how Team Lasson can help you with all your Lake of the Ozarks home financing needs.  My team and I are committed to working with you every step of the way, from offering competitive rates to backing it up with the first-class service you deserve!  If you’re unable to attend the event but want more information about a mortgage loan at the Lake of the Ozarks, or anywhere in the United States, give us a call at 573-216-7258 or visit our website at www.yourlakeloan.com!



Michael Lasson

Senior Loan Officer

NMLS #: 493712

 

First State Bank Mortgage – Michael Lasson 

2751 Bagnell Dam Blvd Suite B 

Lake Ozark, MO 65049

 

Cell: (573) 216-7258

Email: mlasson@fsbfinancial.com

Website: www.yourlakeloan.com


 

**The postings on this site are my own and do not necessarily represent First State Bank of St Charles’s positions, strategies, or opinions.

 





Tuesday, February 13, 2024

LOMDA Overland Park Boat Show 2024

 

Join Team Lasson at the Overland Park Boat Show 

The Lake of the Ozarks Marine Dealers Association will be hosting their annual Overland Park Boat Show very soon.  Your favorite Lake of the Ozarks mortgage lender will be there as a vendor.  Join us February 15-18 at the Overland Park Convention Center for the Kansas City area’s largest boat show of the season!

 

Boat Show Details 

The 2024 Overland Park Boat Show is the premiere show for boating enthusiasts all over the Midwest.

Boat Show Hours: 
Thursday, February 15th: 2-9 PM
Friday, February 16th: 12-9 PM
Saturday, February 17th: 10 AM - 9 PM
Sunday, February 18th: 10 AM - 5 PM

Admission: 
$14.00 for Adults
$8.00 for Children 6-12
Children 5 & Under FREE

$2.00 of each paid Adult admission is donated to Kids’ harbor Child Advocacy Center

The Marine Dealers Association is made up of over 40 Lake of the Ozarks area marine dealers that represent the top lines of boats, marine accessories, docks, personal watercraft and everything else to promote fun on our waters.  Visit the website at Overland Park Boat Show - Home (weebly.com) to see a complete list of Exhibitors and other Vendors.  You can also download the LOZ App for the boat show and everything about Lake of the Ozarks – you will even find TEAM LASSON on the app! 

Stop by our booth at the boat show to learn more about how Team Lasson can help you with all your Lake of the Ozarks home financing needs.  My team and I are committed to working with you every step of the way, from offering competitive rates to backing it up with the first-class service you deserve!  If you’re unable to attend the event but want more information about a mortgage loan at the Lake of the Ozarks, or anywhere in the United States, give us a call at 573-216-7258 or visit our website at www.yourlakeloan.com!

Michael Lasson

Senior Loan Officer

NMLS #: 493712 

First State Bank Mortgage – Michael Lasson 

2751 Bagnell Dam Blvd Suite B 

Lake Ozark, MO 65049

Cell: (573) 216-7258

Email: mlasson@fsbfinancial.com

Website: www.yourlakeloan.com


**The postings on this site are my own and do not necessarily represent First State Bank of St Charles’s positions, strategies, or opinions.

 







Wednesday, February 7, 2024

Valentine’s Events around the Lake Area

 

Valentine’s Events around the Lake Area

Love is in the air…..It’s almost time for Valentine’s Day.  If you are lucky enough to be in the Lake Area over Valentine’s Day, below are some local activities you can get out and enjoy with your sweetheart.

1932 Reserve

Enjoy Valentine’s dinner at one of the Lake’s top restaurants with brilliantly crafted dishes and a seasonal flair.  They have a wonderful menu arranged for the night.

For more information, contact them at 573-693-9197

Baxter’s Lakeside Grille

Looking for a one of a kind experience, check out Baxter’s.  They have an amazing view, delicious food and wonderful staff.

Call them for limited reservations at 573-365-2669

The Bend at Lake Ozark

Check our their special Valentine’s Day menu including Ribeye, Lobster Tail Osso Bucco amonth other elegant choices.

Call for more information at 573-552-8717

The Encore Lakeside Grill & Sky Bar

Get ready to enjoy an amazing dinner, ambience and entertainment at The Encore.  They are featuring bacon-wrapped scallops, lobster bisque, and mile high chocolate layer cake among other special choices.

Call for reservations and more details at 573-693-9973

 

JB Hooks

The gorgeous sunset view pairs perfectly with their brilliant menu.  They are offering a four course dinner for 2 Valentine’s Special.

Contact for reservations at 573-365-3255

Valentine’s Dinner at HK’s

Celebrate love at HK’s for their Valentine’s Day featured menu! With Live Music from 6:30p – 9:30p! Visit their website for full menu options.

For table reservations please call 573-365-8509!

Capone’s Valentine’s Ball

Step back into the Roaring Twenties and swing into the season of love at Capone's Speakeasy! Join them for a dazzling Valentine's Ball for all you dapper gents and flapper dames! Sip on giggle water and enjoy the swell tunes as you and your sweetheart fall in love all over again! Upgrade your evening with a 5-course dinner that'll leave you both all smiles and no sass! Their complimentary appetizer and dessert will make your taste buds do the Charleston! Raise a toast to amore at Capone's – where love is the bee's knees! Reserve your spot now, before it's the cat's meow all over town! Don't forget to book your room at Randles Court, a 1920's themed motel in Downtown Eldon.

This is a reservation only event, so secure your table today!

573-469-2137

 

Team Lasson is here for all of your home buying needs! If you're thinking about making the leap into home ownership in the near future, please contact us today to get started.  We can help you determine what loan programs works best for 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. To get started, visit www.yourlakeloan.com or give us a call at (573) 746-7211!

Michael Lasson

Senior Loan Officer
NMLS #: 493712

First State Bank Mortgage – Michael Lasson 

2751 Bagnell Dam Blvd Suite B 

Lake Ozark, MO 65049 

Cell: (573) 216-7258

Website: www.yourlakeloan.com


**The postings on this site are my own and do not necessarily represent First State Bank of St Charles’s positions, strategies, or opinions.

 

Friday, January 19, 2024

USDA Rural Development Loan Program

 

USDA – Rural Development Loans

Many first time home buyers do not have the standard down payment saved to invest in their new home purchase.  There are several loan programs available to help with this dilemma….USDA Rural Development Loans are one of those options.

This program will allow the borrower to purchase their new home with no money down and will also allow for the seller to pay closing costs for the borrower so they could potentially purchase a new home with no money out of their own pocket.


This program has several requirements that must be met by the borrowers such as:

-    Household income limits (this includes income for all persons that will be living in the home, not            just the borrowers on the loan)

-    Debt ratio limits (these are typically lower than conventional loan requirements)

-    Limited Assets (borrowers cannot have access to monies that could be used to meet the 20%                   down payment requirements for conventional financing)

When pursing a USDA Rural Development Loan, the property must also meet certain inspection requirements with regards to safety issues, water sources, etc.  These inspections can usually be performed by the appraiser to see if they meet the requirements of USDA, if the appraiser is certified by USDA; if not, a separate inspector will be required to perform these inspections.

Depending on how the property appraises, the borrower can sometimes roll closing costs into their loan and/or have upgrades to the property (i.e., flooring replacement, etc.) included in their loan amount.

Team Lasson is here for all your home buying needs! If you're thinking about making the leap into home ownership in the near future, please contact us today to get started.  We can help you determine what loan programs works best for 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. To get started, visit www.yourlakeloan.com or give us a call at (573) 746-7211!


Michael Lasson

Senior Loan Officer

NMLS #: 493712

 First State Bank Mortgage – Michael Lasson 

2751 Bagnell Dam Blvd Suite B 

Lake Ozark, MO 65049

 Cell:   (573) 216-7258

Email: mlasson@fsbfinancial.com

Website: www.yourlakeloan.com







**The postings on this site are my own and do not necessarily represent First State Bank of St Charles’s positions, strategies, or opinions.

Wednesday, December 13, 2023

Mortgage Technology - Moving Forward in 2024

 

Mortgage Technology – Moving forward in 2024

Do you remember the days of having to physically go to an office, be it a title company, lawyer’s office, or banking center to spend an hour or more signing documents to purchase or refinance your home or condo?  Sometimes you’d spend half the day waiting for the funds to be wired in and disbursed so you could get on with your day and go enjoy your new property.

Well, those days are over!  Team Lasson has been using the hybrid closing system offered by First State Bank Mortgage for quite some time, and it’s fantastic!  This system not only streamlines the process but also significantly reduces the time spent at the actual closing.  Here’s how it works:

·         A few days prior to the closing, the borrowers receive an electronic copy of their closing documents through our secure client portal.

·         Upon receipt, the borrowers should review these documents in case they have any questions or to notify us of any errors prior to the closing. 

·         The morning of closing, the documents that can be signed electronically are sent to the client portal to be electronically signed by all borrowers. 

·         At the closing, borrowers sign documents that require a “wet” signature.  This includes the Note and other documents which require a Notary Public. 

Sometimes borrowers are unable to be present for their closing and need to do it remotely.  We have a couple of solutions for that as well.  The first option is to have a mobile Notary meet with the borrowers to sign the closing documents in person.  This can also be done in conjunction with the Hybrid closing mentioned above.  This process is usually completed the day before the actual closing date so the Notary can overnight the original packet back to the title company or lender on or before the date of the closing so funds can be disbursed on time.

The second option is a newer process called Remote Online Notarization or “RON” Closing.  In this online digital closing, the Notary and borrowers meet through an audio-video application, enabling the signing and notarization of documents in an electronic format. While the fundamental elements of this closing resemble those of any other closing, specific requirements must be met. These conditions typically include:

·         Notary must be physically present and licensed in the state of the property

·         The RON technology platform must offer multi-factor authentication and knowledge-based identification to verify the identity of the signers

·         The RON platform must have the ability to scan a government-issued ID for the Notary to verify the identity of the signer and the validity of their ID

·         Documents must be digitally stamped and tamper-sealed to prevent interference with the authenticity and security of the notarial ceremony

·         The notary must keep a video recording as well as an electronic journal as backup files of the notarial ceremony.  These must be kept for a period specified by the state law (if not specified, the standard is 7 years)

Please Note: Not all the states allow for RON closings, and each state has its own laws regarding them. Be sure to check with your lender, title company, and attorney to determine if this is a feasible option for you.


Team Lasson is here for all your home buying needs! If you're thinking about making the leap into home ownership in the near future, please contact us today to get started.  We can help you determine what loan programs works best for 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. To get started, visit www.yourlakeloan.com or give us a call at (573) 746-7211!










Michael Lasson

Senior Loan Officer

NMLS #: 493712

First State Bank Mortgage – Michael Lasson 

2751 Bagnell Dam Blvd Suite B 

Lake Ozark, MO 65049


Direct: (573) 746-7211

Cell: (573) 216-7258

e-Fax: (866) 397-0318

Email: mlasson@fsbfinancial.com

Website: www.yourlakeloan.com




**The postings on this site are my own and do not necessarily represent First State Bank of St Charles’s positions, strategies, or opinions.