Tuesday, March 19, 2019

Spring Cleaning Your Vacation Home

There is only a short time before the lake area will start to hustle and bustle again and Summer will begin with full force. As you get the Lake itch and start making your plans for utilizing your vacation home at the Lake of the Ozarks, start by thinking about Spring cleaning. Even if you hire a company to do regular cleanings at your vacation home, it is always a good idea to take time to perform a deep cleaning. You can think of this as an investment in your property that will pay off in the long run, and a few good deep cleanings a year can also help improve the reviews left by renters. Here are a few key things you can deep clean before the busy season gets here.


Shampoo the Carpets

Carpets receive a lot of wear and tear, especially when you allow additional guests (and pets, if allowed) to stay in your Lake of the Ozarks vacation home. This is especially true for lake homes, as wet and sandy lake shoes track dirt across them. Cleaning your carpets can help lift stains and make your place smell fresh and ready for you and your visitors.

Wash the Window Treatments

It is no surprise that dust and allergens will build up in the window treatments all year round. Take down the drapes, curtains, and blinds to give them a good deep cleaning at least once per year. This is even more important for the windows in the kitchen or dining room. It is likely that there is residual cooking grease on the curtains - make sure you do proper research on getting this out of the material safely.

Remove and Clean Light Fixtures

Dirty light fixtures are one of the fastest ways for a home to look unkempt. Help your vacation home look pristine by cleaning out the light fixtures to prevent grime from building up, and replace the burnt out bulbs as you go. This will also help the rooms to look brighter and more inviting!

Clear the Vents

Now is a great time to remove the covers and clean the vents for your HVAC and bathroom exhaust systems. Clean any dust that has collected along the grates and replace filters that look old and dirty.

A clean vent will most likely go completely unnoticed by a guest, but a dirty one is likely to end up in a review at some point.

Clean out the Kitchen Cabinets and Drawers

Take some time to remove everything out of the cabinets and drawers to give them a thorough clean inside and out. Once you have everything out, you can also do an inventory check. Take an inventory of the silverware, utensils, cookware, glasses, and table settings.

Depending on how frequently your Lake of the Ozarks vacation home is occupied, you may want to do this inventory a few times a year around the peak seasons. This will ensure that you have plenty of utensils for larger groups and are not short on anything.

Move Major Appliances

Now is a great time to pull out your stove, refrigerator, washing machine, and dryer to clean behind them. While you are at it, you can scrub down all surfaces on your appliances, especially those in the kitchen. Do not forget the oven warming drawer, and you can also run an oven cleaning cycle to clean away any leftover cooking debris. Check into having your dryer vent completely cleaned out by a professional as this will help keep that appliance running longer and avoid the possibility of it starting a house fire.

Tackle the Time Consuming Bathroom Tasks

If you hire a cleaning service to come in routinely, they will get the basics like wiping down the toilet, shower, and mirrors - as well as replenishing the supplies. However, sometimes bathrooms have some unique cleaning requirements that do not get taken care of regularly. One example would be a jacuzzi tub. It is always a good idea to deep clean the jetted components by removing them and soaking them. You can also run a cleaning cycle through the lines. This is not just a great way to detail clean your tub, but also help reduce the need for more expensive maintenance down the road.

Clean the Nooks and Crannies

Finally, inspect every last inch of your lake home for dirt and dust. Look over the closet shelves, vaulted ceilings, and those hard to reach corners where the dust bunnies collect. A deep cleaning can take anywhere from 2-4 days, so plan accordingly next time you plan on coming out to stay in your home! 


Vacation Home Mortgages at the Lake of the Ozarks

Do you need a vacation home? Now is a great time to buy a home at the Lake of the Ozarks, and Team Lasson is ready to assist. The Summer season is coming fast, but there is still plenty of time to start your home search and secure the vacation home of your dreams. Visit our website to learn more about our mortgages, as well as to apply for the pre-approval process. It is the perfect first step if you are ready to buy a hoe at the Lake of the Ozarks!


For Lake area news, resources and tips on financial services, please 



Michael Lasson
Senior Loan Officer
NMLS #: 493712

4655 B Osage Beach Parkway
Osage Beach, MO 65065

Direct: (573) 746-7211





**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, March 15, 2019

5 Things to Think About When Buying a Vacation Home

The days are getting longer, the temperatures are going to start warming up, and before you know it - Summer will be here! As you start making preparations for your summer vacation at the Lake of the Ozarks, have you considered purchasing a vacation home? A study was done that showed of all people who own two homes in the Midwest, 40% own a home at the Lake of the Ozarks. This wonderful vacation destination of the Midwest is a great place to own a second home, and NOW is a great time to buy.

The first thing you want to do is get pre-approved with your Lake of the Ozarks mortgage lender, and after that, you will start looking for the perfect home. Here are a few things to keep in mind as you start touring homes and looking for the best luxury home at the Lake of the Ozarks.


Your Lake Location

The Lake area is made up of several different cities, and each one offers different advantages depending on what your priorities are. Before looking for a home, it can be helpful to become familiar with the regions around the Lake and determine which ones you want to look for homes in. Here are the areas you have to choose from:

  • Versailles
  • Osage Beach
  • Lake Ozark
  • Camdenton
  • Eldon
  • Sunrise Beach
  • Laurie
  • Gravois Mills


Consider Floor Plan & Room Sizes

Think about your purpose behind the house. Will you be using it as a private getaway for just a few people, or are you planning on hosting fun elaborate get-togethers with many different groups of people? Obviously, this plays a role in the size of home you get, but it can also impact the layout and room total you need to choose. You can also think about how your lifestyle will affect your room choices. Do you want to have a room dedicated to coming in from the Lake? Or maybe you need a bigger garage to house your ATVs or boat.

While it's true that you can knock out walls, add on rooms, and customize spaces, it would be easier if you could find what you are looking for without having to start construction immediately after purchase.

Yard Size, Shape, and Features

What do you want from your yard? This is an aspect of your home that you generally can’t change quickly or easily, and you can't grow it without buying surrounding property. Are you wanting to install an in-ground pool in the next few years? Do you want to have plenty of space for your fur babies to run around? Take a look around the yard, ask questions about property lines, and make sure that there would be enough space to do what you’ve been dreaming of.

Think About Available Amenities

Many of the Home Associations around the Lake of the Ozarks offer amenities that make living in that community even better. This can include playgrounds, pools, gyms, meeting rooms you can use, and more. Having these amenities can be perfect for a vacation home, so take a look at the different items that each community offers.

Plan for Your Vacation Lifestyle

Finally, think about what you want to do, what you want to be close to, and how you want to enjoy your vacation home at the Lake of the Ozarks. If you and your family live for the Lake life, you will probably want easy access to the water, a dock or boat slip, and a place to store your boat over the winter. If you focus on relaxed family time outdoors, you may want to look for a home with a huge deck, plenty of yard space for games and activities, or even an elaborate outdoor grilling station.


Time To Buy

There is still time to get your vacation home at the Lake of the Ozarks, and now is a great time to buy. If you are ready to get started, the first step is to get your pre-approval competed, and that’s where Team Lasson comes in. Visit our website to get started, or give us a call. We can help you mortgage a vacation home at the Lake of the Ozarks, and can assist you through the entire process. Ready to get started? We are!

For Lake area news, resources and tips on financial services, please 



Michael Lasson
Senior Loan Officer
NMLS #: 493712

4655 B Osage Beach Parkway
Osage Beach, MO 65065

Direct: (573) 746-7211





**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, March 5, 2019

Boat Show Attendance Tips

Team Lasson will be at the St. Charles Boat Show THIS weekend! This event is a great opportunity to check out the new models in the boat market, learn about great products to pair with your boating systems, and even learn more about the Lake of the Ozarks! If you will be attending this fun Missouri Boat Show, we hope you stop by our table and say hi! Here are a few tips to make the most of your experience at the show while you are here.

Photo Credit: St. Charles Boat Show

Prepare NOW

There are going to be demos, exhibitors, and so many things to look at, you might get overwhelmed, or even nervous that you will miss something great. The good news is that you can visit the boat shows website and start preparing now. Check out the website and look for helpful resources like a list of exhibitors, full list of boats on display, and the events and activities list. You can also brush up on the show hours, transportation options, parking information, and more. Doing your homework now will help create an amazing boat show experience.

Enjoy the Show!

From interactive demos to educational seminars, there are all sorts of fun things happening at the boat show. Take time to sit back and enjoy it while taking advantage of everything the exhibitors have to offer. Boat shows are not just about the boats, but about learning more about the boating community, expanding your knowledge of the Lake of the Ozarks, and maybe even finding some new toys and tools. Our mortgage staff from the Lake of the Ozarks office will be there to help provide information about living at the Lake of the Ozarks. If you have always thought about owning a home at the Lake of the Ozarks, but you are not sure where to start, you can begin by stopping by our booth. Team Lasson would be honored to tell you about the area and help you get started on your mortgage.

Come See What Is Happening on the Weekdays

It should not come as a surprise that boat shows have the largest attendance on the weekends. If you are serious about buying and have the opportunity to stop by during the week it can be less crowded, and you will have more time to tour the boats. If you can only go on the weekend, you will still have a wonderful time and be able to take advantage of great deals and speak to some incredible dealers, but if you have the chance to come on the weekday - you will not regret it!

Look for Upgrades

Boat shows are often a great time to take advantage of technology companies releasing new products. If you are looking for an upgrade to the electronics and accessories for your boat, this weekend could be the prime time for you to find them. Make sure that you ask the sales professionals about upgrade opportunities and what deals will be available. Some vendors only offer deals on these upgrades during the show, so you do not want to miss it by waiting.

The St. Charles Boat Show Details

You will want to visit their website to learn more about the show, but here are some fast facts to get you started.

Hours
March 7th: 3-9 PM
March 8th: 12-10 PM
March 9th: 10 AM - 9 PM
March 10th: 10 AM - 5 PM

Admission
$9.00 for adults
$5 children 6-12
Children 5 & under are FREE

Photo Credit: FunLake.com

Stop By and See Us

Team Lasson would love to see you during the St. Charles Boat Show, this weekend. If you will be attending, please stop by the booth! We have some fun things available - so you will not want to miss it! If you are thinking about buying a second home at the Lake of the Ozarks, this is a great chance to stop by and ask us some questions. We love living in the area, and would be glad to share a bit about the luxury Lake lifestyle with you!


For Lake area news, resources and tips on financial services, please 



Michael Lasson
Senior Loan Officer
NMLS #: 493712

4655 B Osage Beach Parkway
Osage Beach, MO 65065

Direct: (573) 746-7211





**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, March 1, 2019

7 Questions To Ask Your Mortgage Lender

Whether this is your first home purchase at the Lake of the Ozarks, or you’re financing a vacation home at the Lake of the Ozarks - we know you will have questions, and we look forward to answering them. Here are a few popular questions, with answers to get you started. Do you have more questions? We would love to chat with you!


#1. Which mortgage type is best for me?

This question can only be answered after we have some basic information about your finances. Team Lasson can help you evaluate which is better for you. We can talk to you about the pros and cons of different types of mortgages.

#2. How much down payment will I need?

By putting a minimum of 20% down, you can avoid Private Mortgage Insurance, but there are several choices and options available for many buyers. Some qualified buyers can find mortgages for as little as 3% down while others may be able to secure a mortgage with zero down. Second Home purchases will typically require a minimum of 10% for down payment.

#3. What will my interest rate be?

While this may differ between lenders a bit, you are going to find that there is a ballpark interest rate that you will qualify for as an individual. Team Lasson can help you find your interest rate after taking a look at your finances, as well as figuring the type of Lake of the Ozarks mortgage that you will be getting.

#4. Will I have to pay mortgage insurance?

If you will be putting less than 20% down, the answer is most likely yes. Your next question should be to ask what types of options are out there or what you can do to eliminate the need for it. Most likely, the answer will be to make a bigger down payment or look into other loan programs that you could qualify for.

#5. What is my monthly payment going to be?

This is an important question, whether this is your first and only mortgage, but it may feel even more important if you will be getting a second home mortgage at the Lake of the Ozarks. We can easily figure up your monthly payment after we know what your interest rate will be. Another question that is important to ask is if there are any prepayment penalties if you pay the mortgage off early.

#6. What other costs will I pay at closing?

At closing, there are generally other costs involved than just your down payment. These can include the costs for an appraisal, title company fees, property taxes, home owner’s insurance, and other closing costs. These costs will be paid at the time of the loan signing.

#7. How - and how often will I be updated on my loan’s progress?

While the biggest part of the work around your loan will happen at the beginning, getting updated about the progress of your loan is also important. Team Lasson will send you updated status reports throughout the process and you will also be able to access your loan online and check the status any time you want.


Ready to Get Started?

Team Lasson has been helping buyers get their dream homes for over 17 years. We are big on communication with all necessary parties so that they are up to date on the status of their file. We always try to answer all questions as quickly as possible. If you are ready to buy a home at the Lake of the Ozarks, Team Lasson is here to help. NOW is a great time to buy a Lake of the Ozarks home, and we are ready to assist. Visit our website to learn more about our mortgage services at the Lake of the Ozarks or give us a call! We look forward to working with you.

For Lake area news, resources and tips on financial services, please 



Michael Lasson
Senior Loan Officer
NMLS #: 493712

4655 B Osage Beach Parkway
Osage Beach, MO 65065

Direct: (573) 746-7211





**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 19, 2019

Fun Events Coming Up at the Lake of the Ozarks

The Lake area is always hopping with fun events, social gatherings, and chances to support the many wonderful organizations that are based here. Whether you live at the Lake of the Ozarks full time or enjoy coming back for extended weekends here and there - you will not want to miss the fun things happening over the next several days. Here is a quick look at some fun things happening around the area for the rest of the month!

Home, Business & Lake Living EXPO

Feb 22, 2019 - Feb 23, 2019
Lodge of Four Seasons - Campana Hall
315 Four Seasons Dr.
Lake Ozark MO 65049

Email: info@camdentonchamber.com
Website: http://camdentonchamber.com/home-business-lake-living-expo/
Hours of Operation: Fri: 3 pm to 7 pm; Sat: 9 am to 5 pm

Join the Camdenton Chamber at the 2019 Home, Business and Lake Living EXPO. The show will feature a wide range of products and services including consumer goods, health and wellness, building contractors and suppliers, plumbing and electrical supplies; home improvement and remodeling, and much more. EXPO 2019 will feature a diverse selection of products and services for business, home, personal and lake living.

Laughing Class Comedy Night

Feb 22, 2019
Inn at Grand Glaize
5142 Osage Beach Pkwy.
Osage Beach MO 65065

Email: sales@innatgrandglaize.com
Facebook: https://www.facebook.com/events/292985921619922/
Hours of Operation: 8:00 pm

Get ready for some excitement, Lake of the Ozarks Region. Three acts tonight for your bust-a-gut pleasure. Full cash bar and full dinner menu provided before and during the show. You asked for comedy Osage beach and we are serving it up. $15.00 tickets at the door per person; or 2 for 20 online at the link above.

“The Adventures of Tom Sawyer” Play

Feb 22, 2019 - Mar 02, 2019
The Royal Theatre
107 S. Monroe St.
Versailles MO 65084

Website: http://theroyaltheatre.com/

The Royal Arts Council & El Par Seeds present - “The Adventures of Tom Sawyer” Play. February 22, 23 & March 1, 2, 2019 (Friday – Saturday) @ 7:00 PM at The Royal Theatre.

Adults $10; Student/Child(3-18) $5

Call 573-378-6226 for reserved seating or purchase at the door.

Polar Plunge 2019

Feb 23, 2019
Lake of the Ozarks State Park PB2
711 Public Beach Rd.
Osage Beach Missouri 65065

Website: http://give.somo.org/site/TR?fr_id=1369&pg=entry
Hours of Operation: Registration: Noon - 2pm; Parade of Costumes Line

Up: 1:50 pm; Parade of Costumes: 2pm; Plunge: 2:30pm
This "unbearable" event is a unique opportunity to show your bravery as you support local Special Olympics athletes by plunging into the frigid winter waters. Proceeds benefit Special Olympics Missouri.

Held at Lake of the Ozarks State Park Public Beach #2 in Osage Beach.

Plunge does not end at the beach this year! Join us at Tan-Tar-A for the best Plunge After Party from 4 - 7 p.m. This year special guest Kricket Alley will be performing along with the best silent/live auction. Appetizers, 2 drink tickets, entertainment by one of the best bands at the Lake and loads of fun will be free for Polar Plungers and $10 for guests. Make plans today so you do not miss out on the fun! Registration and donation information at the website link above.

Polar Bear Strut

Feb 23, 2019
Osage Beach City Hall
1000 Osage Beach Parkway
Osage Beach Missouri 65065

Website: http://give.somo.org/site/TR?fr_id=1371&pg=entry
Hours of Operation: 10:00 am

This "unbearable" event is a unique opportunity to show your bravery as you support local Special Olympics athletes by walking or running through the frigid winter streets. All proceeds benefit Special Olympics year-round sports program for children and adults with intellectual disabilities. Proceeds benefit Special Olympics Missouri’s year-round program of sports training and competition for children and adults with intellectual disabilities.

Proceeds benefit Special Olympics Missouri’s year-round program of sports training and competition for children and adults with intellectual disabilities.

WINTERFEST 2019

Feb 23, 2019
Tan-Tar-A Resort
494 Tan Tar A Drive
Osage Beach MO 65065
Website: http://www.daybreakrotary.org
Hours of Operation: 5:30 pm

Lake Ozark Daybreak Rotary presents WINTERFEST 2019 - "It's a 90's Party.” Help raise money to help those in need right here in our community. Please join the Lake Ozark Daybreak Rotary in celebrating our 23rd Annual Winterfest Gala at Tan-Tar-A Resort, Saturday, February 23rd, 2019. Event festivities will include a Silent Auction by Rick Bryant, Wine Pull, back by popular demand. Live entertainment by the i-Berrys, Buffet Dinner, Door Prizes and lots of fun! Tickets are $60 each. To purchase tickets or for more information please contact Anna Diebold at 573-302-2441 or any Daybreak Rotarian.


NOW Is The Time!

If you have been thinking about buying a home at the Lake of the Ozarks, now is the time to get started! Summer will be here before you know it, and like the events listed above, there will be fun things happening ALL Summer long. Team Lasson is here to help with your mortgage and refinancing at the Lake of the Ozarks.

Do not forget - we can also assist with mortgages outside of Missouri as well! We would love the opportunity to assist you with a refinance or purchase loan anywhere in the United States! Contact us today for more information.

For Lake area news, resources and tips on financial services, please 



Michael Lasson
Senior Loan Officer
NMLS #: 493712

4655 B Osage Beach Parkway
Osage Beach, MO 65065

Direct: (573) 746-7211





**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 13, 2019

Mortgage Expectations In February

The mortgage world is consistently adjusting as finances, real estate, and government changes arise. Because of this, we want to make sure that our clients are kept informed and up to date of these changes. Now is a GREAT time to get a mortgage at the Lake of the Ozarks, and Team Lasson is ready to assist you. Take a look at these things to watch for through the month of February if you are getting a home loan at the Lake of the Ozarks.


Make the Most of Higher FHA Loan Limits

FHA mortgages are great options for those who want to lock in the low mortgage rates, even if you do not have a large down payment saved or an excellent credit score. FHA loans are backed by the Federal Housing Administration, and only require 3.5 to 10 percent down depending on your credit score. The most intriguing find for FHA borrowers is that roughly 3,000 zip codes got a 7-percent hike in FHA loan limits. Higher limits provide the ability for a buyer to access a bigger piece of the market, which is great news when considering the rising home prices. Are you looking for an FHA loan? Team Lasson would be glad to talk to you about the options available for you.

Boomers Can Use Equity to Pay for Renovations

Statistics are showing that many baby boomers are planning on staying in their homes for a while, but in addition, they are going to be remodeling them as well. In fact, 9 out of 10 said that they wanted to make improvements to their home according to a study by Chase and Pulsenomics.

Studies also showed that these boomers plan to start their renovations within the next three years. The next question is, how do they want to fund them? One option is to borrow against the equity in your home and save on interest. If you are a homeowner who wants to renovate either your primary residence or your vacation home at the Lake of the Ozarks we can help you find the best options.


What Is Next?

Every month, the mortgage market will adjust to the current trends and economy. You never know what will happen next month, but that means that now is a great time to get started. Team Lasson has been providing the best mortgages at the Lake of the Ozarks for vacation homes and primary residences alike. Are you ready to fast track your mortgage? Team Lasson offers Home Loan Express as a great way to get your mortgage FAST. Visit our website to learn more, or give us a call - we would love to chat with you!

For Lake area news, resources and tips on financial services, please 



Michael Lasson
Senior Loan Officer
NMLS #: 493712

4655 B Osage Beach Parkway
Osage Beach, MO 65065

Direct: (573) 746-7211





**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 6, 2019

Seasonal Living at the Lake of the Ozarks

Living at the Lake of the Ozarks provides many wonderful opportunities, and they are not just in the summer! As full-time residents, as well as business professionals, we know how wonderful it is to be a part of this community. Now is a great time to buy a home at the Lake of the Ozarks, and Team Lasson would like to assist you. If you have been thinking about relocating to the Lake of the Ozarks, here are a few things you can expect to love during every season.


Winter

Winter at the Lake of the Ozarks is a great time to enjoy some relaxation and rest. It is also a great time to get involved in the community! There are fun events planned almost every weekend of the season where you can get out and meet people, support local community groups, and invest in the area. From golfing events on the nice days, to fishing tournaments on the cool days - there is always something to do, even during the Winter months.

Of course, one other thing to consider for the Winter is that if you do not have a vacation home at the Lake of the Ozarks, NOW is a great time to get started. Team Lasson would be honored to help you get a mortgage for a vacation home at the Lake of the Ozarks.


Spring

This is when the Lake area begins to bloom. The whole place comes to life as the trees and grass start to change from brown to green. The water starts to sparkle under the warming sun, and the evenings are cool with the sound of birds singing everyone to sleep. As this season starts to wake up the dead of Winter, you will find people spending more and more time on the water. Spring vacationers will be coming back, and weekend vacation homeowners at the Lake of the Ozarks will be taking advantage of their vacation home. Spring is a wonderful time to enjoy the Lake area, take advantage of outdoor activities, and even get in a few rounds of golf at the Lake of the Ozarks.

Summer

The BIG season here at the Lake is SUMMER! The Lake starts hopping, and this is a great time to enjoy as much time in your vacation home as possible! Get that boat out, pack up the cooler with beverages and start hopping to all of your favorite restaurants. With thousands of vacationers during the Summer season, hundreds of events and activities, and a wonderful vacation home - what more could you ask for?


Fall

Things may start to relax a bit in the Fall season, but there are still people finding plenty of reasons to get out on the water and enjoy the Lake lifestyle. Golfing and fishing at the Lake of the Ozarks are two activities you will see increasingly through the Fall season. Of course, you cannot forget the colors! The Lake of the Ozarks was voted the second best place to see the Fall colors by USA Today, and we could not agree more. We also boast of two Missouri State Parks, so if you enjoy hiking through the Ozark hills, you will find the Fall season amazing.


It Is Time to Buy a Home at the Lake of the Ozarks

Team Lasson takes great pride in helping so many people buy their vacation home. When looking for a mortgage company at the Lake of the Ozarks, we excel at Lake vacation homes. We would be honored to help you buy your Lake of the Ozarks vacation home. Visit our website to learn more about our services, or submit your application online. We cannot wait to work with you.

For Lake area news, resources and tips on financial services, please 



Michael Lasson
Senior Loan Officer
NMLS #: 493712

4655 B Osage Beach Parkway
Osage Beach, MO 65065

Direct: (573) 746-7211





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