Monday, May 11, 2026

Smart Homes, Smarter Living

Smart Homes, Smarter Living: How Technology is Transforming Modern Homeownership

Technology has become a seamless part of everyday life, and today’s homes are evolving right alongside it. What once felt futuristic is now expected, as more homeowners embrace convenience, connectivity, and control in their living spaces. Smart technology in homes is redefining what it means to live comfortably.

In markets across the United States, buyers are increasingly drawn to properties that offer built-in smart home features or the ability to easily integrate them. Whether you are purchasing your first property or upgrading to your next, understanding how a smart home works can help you make a more informed decision that supports both your lifestyle and long-term goals.

What Is a Smart Home?  

A smart home is a residence equipped with smart home devices that connect to the internet and communicate with each other. These devices allow homeowners to monitor, control, and automate everyday functions such as lighting, thermostats, appliances, and home security.

At the center of most smart home systems is a hub or voice assistant, such as Google Home, Amazon Alexa, or Apple HomeKit. These platforms allow multiple smart devices to work together through a single interface, often controlled by a simple voice command or mobile app.

This level of home automation gives homeowners the ability to manage their home from anywhere. Whether adjusting lighting before arriving home or checking a security camera while on vacation, smart home tech makes everyday living more flexible and efficient.

Why Smart Technology Is Becoming the Standard

Smart technology is no longer limited to high-end properties. Today, it is common to see smart home products included in new construction homes or added as upgrades in existing properties. This shift is driven by a combination of convenience, affordability, and the growing demand for connected living.

One of the biggest drivers behind this trend is the desire for improved energy efficiency. With rising utility costs, homeowners are looking for ways to reduce energy consumption without sacrificing comfort. Smart thermostats and connected lighting systems help optimize energy usage automatically, leading to noticeable energy savings over time.

Security is another major factor. Modern home security solutions, including a full home security system or individual security camera setups, provide real-time monitoring and alerts. This added layer of protection is a key selling point for buyers who want peace of mind.

Finally, convenience plays a huge role. The ability to control multiple devices with a single voice command or through a centralized app simplifies everyday routines in a way that traditional homes simply cannot match.

Popular Smart Home Features Buyers Love

Today’s buyers are actively looking for homes that include or support smart home features. These technologies enhance both functionality and overall living experience.

Smart Thermostats and Energy Control

Smart thermostats are one of the most popular upgrades in modern homes. Unlike traditional thermostats, these devices learn your schedule and preferences, automatically adjusting temperatures to maximize comfort and efficiency.

Products like Google Nest have become household names because of their ability to reduce energy consumption while maintaining ideal indoor conditions. Over time, this can lead to meaningful energy savings, especially in regions with extreme seasonal temperatures.

In addition to saving energy, these systems give homeowners detailed insights into their usage patterns. This data can help identify opportunities to further improve efficiency and reduce monthly costs.

Smart Lighting and Connected Controls

Lighting has also seen a major transformation with the introduction of smart lighting systems. Homeowners can now control brightness, color, and schedules through their smartphone or a smart speaker.

Brands like Philips Hue allow users to create customized lighting scenes for different times of day or activities. Whether dimming lights for a movie night or setting schedules while away from home, these systems offer both convenience and enhanced security.

Smart plugs, including options like the Amazon Smart Plug, extend this functionality even further. By turning standard appliances into smart devices, homeowners can control everything from lamps to coffee makers with ease.

Voice Assistants and Centralized Control

Voice assistants are often the foundation of a smart home system. Devices like Amazon Echo or a Nest Hub allow users to control multiple smart home devices using simple voice commands.

Whether you are adjusting thermostats, turning off lighting, or checking the weather, these systems streamline everyday tasks. Integration with platforms like Google Assistant also allows for more advanced routines and automation, further enhancing the smart home experience.

Smart Security and Peace of Mind

Security continues to be one of the most valuable aspects of smart home tech. A modern security system can include video doorbells, motion detectors, and connected security cameras that provide real-time alerts and monitoring.

A comprehensive home security system allows homeowners to check in on their property from anywhere. This is especially useful for frequent travelers or families who want to keep an eye on deliveries, visitors, or unexpected activity.

Smart locks add another layer of protection, allowing homeowners to lock and unlock doors remotely or grant temporary access to guests. Combined with other smart home systems, these features create a fully integrated approach to home security.

Smart Appliances and Everyday Convenience

Smart appliances are becoming more common in kitchens and laundry rooms. From refrigerators that track groceries to ovens that can be preheated remotely, these innovations simplify daily routines.

A connected appliance can communicate with other devices in the home, creating a more cohesive and efficient environment. For example, a smart oven can send alerts to your phone, while a smart washing machine can notify you when a cycle is complete.

Even entertainment has evolved, with smart TVs and platforms like Apple TV offering seamless streaming and integration with other smart home systems.

The Role of Automation in Modern Homes

Automation is what truly sets a smart home apart. Instead of manually controlling each device, homeowners can create routines that handle multiple tasks at once.

For example, a morning routine might gradually turn on lighting, adjust thermostats, and start a coffee maker. An evening routine could lock doors, turn off lights, and activate a security system.

This level of home automation not only saves time but also ensures consistency in how a home operates. Over time, these small efficiencies can make a big difference in daily life.

Automation also contributes to energy efficiency. By scheduling devices to operate only when needed, homeowners can reduce unnecessary energy consumption and lower their overall usage.

How Smart Homes Impact Property Value

As smart home technology becomes more common, it is also influencing home values. Properties that include smart home features often stand out in competitive markets.

Buyers see these upgrades as both a convenience and a long-term investment. A home equipped with smart home devices may require fewer immediate upgrades, making it more appealing during the buying process.

Additionally, the perception of a “future-ready” home can increase buyer interest. As technology continues to evolve, homes that already incorporate smart home systems are better positioned to adapt to new innovations.

What to Consider When Buying a Smart Home

If you are considering purchasing a smart home, there are a few important factors to keep in mind.

First, evaluate the compatibility of the existing smart home system. Some homes may use specific platforms like Apple Home or Google Home, and it is important to ensure they align with your preferences.

Second, consider the scalability of the system. A good smart home setup should allow you to easily add new devices over time without requiring a complete overhaul.

Third, think about security. While smart devices offer many benefits, they also rely on internet connectivity. Ensuring your network is secure is an important part of maintaining a safe and reliable system.

Finally, consider how these features fit into your overall budget and financing plan. While many smart home products are affordable, larger systems or upgrades can add up quickly.

Adding Smart Technology to Your Current Home

If your current home does not include smart technology, the good news is that many upgrades are simple and cost-effective.

Starting with a smart thermostat or smart plugs is a great way to introduce automation without a major investment. From there, you can gradually expand your system to include lighting, security, and additional devices.

This phased approach allows homeowners to build a smart home system that fits their needs and budget over time.

The Future of Smart Homes

The future of smart homes is centered around even greater connectivity and personalization.

Artificial intelligence will also play a larger role, allowing systems to learn and adapt to homeowner behavior more accurately. This could lead to even greater energy savings, improved security, and a more seamless living experience.

As these advancements continue, smart home tech will move from being a desirable feature to an expected standard in homes across the country.

Smart Homes and Your Home Financing Journey

When buying a home, it is important to consider not only the property itself but also the features that come with it. Smart home features can enhance your lifestyle, improve efficiency, and even contribute to long-term savings.

At Flat Branch Home Loans, we understand that today’s homeowners are looking for more than just a place to live. They want a home that supports their daily routines and adapts to their needs.

Whether you are purchasing a home with built-in smart technology or planning to add upgrades after closing, having the right financing strategy in place can make all the difference.

The Bottom Line

Smart homes are reshaping modern living. With advancements in home automation, improved energy management, and enhanced security, these homes offer a level of convenience that was once unimaginable.

For homeowners, the benefits go beyond comfort. From reducing energy consumption to increasing property value, smart home technology provides both immediate and long-term advantages.

As you explore your next home, consider how smart technology in homes can support your lifestyle and future goals. When you are ready to take the next step, Flat Branch Home Loans is here to help you find a home that truly works for you.

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.

Monday, April 27, 2026

Home Improvement - Kid-Friendly Home Design

Kid-Friendly Home Design - Creating Spaces That Work for Families  

Every parent knows kids grow up fast, and your home needs to be able to keep up. The baby-proofing hacks you used when you had a toddler simply aren't going to cut it once they're in third or fourth grade, and there's also a chance they might outgrow their space. As your family evolves, here are some kid-friendly design tips to keep in mind to create an environment that adapts with you.

Choose Materials That Can Take a Hit

When you have children, spills, scuffs, and messes are just part of the deal. Opt for performance fabrics and washable slipcovers when selecting furniture to make cleanup less stressful. For bigger upgrades such as flooring, look for durable materials. Luxury vinyl planks and low-pile carpet are excellent at hiding wear and tear. The same rule applies to surfaces. Investing in quartz countertops and matte cabinets now means fewer scratches and fingerprints to clean up later.

Build Safety Into the Design

Safety remains a priority even as kids get older and the baby gates are put in storage. Choose furniture with rounded edges and secure shelves for extra peace of mind. If you're redesigning your living space, consider installing railings with narrow balusters on staircases and soft-close drawers in kitchens and bathrooms. Even simple updates such as installing motion-activated nightlights can reduce hazards.

Prioritize Smart Storage Solutions

When everything has a designated place, cleanup is a lot easier. Look for built-in options such as bench seating with hidden compartments to hide clutter. Vertical shelves are another great solution to keep everyday items accessible. Mudrooms are a game changer, but if you're limited on space, designate a drop zone near an entrance instead to keep backpacks, shoes, and sports gear contained.

Remember to keep your spaces flexible. Rooms can serve multiple purposes. For example, your dining room might be the perfect space to supervise homework while you prep dinner. The guest room could also serve as a playroom during the week. As long as your home supports your lifestyle and routines, there's no right or wrong way to design.

Sources: Thediyplaybook.com, Anthonymichaelinteriordesign.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

Monday, April 20, 2026

A Guide to Your Mortgage Interest Rate

Mortgage interest rates are a reflection of how much risk a borrower and their new home can possibly carry. The less risk your lender feels, the likelihood of you receiving a positive interest rate will increase.

But hey, no worries, you’re more in control than you think. Beyond external forces like the housing market and general inflation, listed below are the ingredients of a mortgage interest rate that you have complete control over.

Credit Scores

The best-known detail of a mortgage rate is your FICO credit score. Before you start any mortgage shopping, check it out and review your credit reports for errors. Certain slip-ups can lead to a lower score, preventing you from qualifying for better loan rates and terms. Make sure to check this early on in the process. Lenders are looking to offer mortgages to those with high credit scores, and the higher your score, the lower the rate you might qualify for.

Below is a recap of what affects your score:

· Late payments: If you don’t pay things on time, had an account sent to collection or declared bankruptcy, these all can negatively impact your credit score.
 

· Length of time on open trade lines: Sometimes a short history can have a negative impact, but if you’re making payments on time and have low balances, you can offset that negative impact
 

· Number of inquiries in a short period of time: It might sound ruthless, but too much uncertainty about the state of your score can affect it negatively.
 

· Sprawling debt: If you’re spending too close to the limits, this could be negatively affecting your score as well. A healthy expenditure means you should use less than 20-30% of your available credit, keep good-standing accounts open for long periods of time and avoid opening too many new accounts.

Total Loan Amount

The size of a mortgage loan and, to a degree, the price of a home, is another influencer. Loans too large or small are perceived as bigger risks.

Loan Term & Type

Or, in other words, promptness and assistance.

Your loan’s term is how long you have to pay back the loan. Usually you'll find that short-term loans have lower interest rates but do have higher monthly payments.

Regarding the types of loans, there are several broad categories of assistance, such as conventional, FHA, USDA and VA loans. Rates significantly differ based on which type you choose. Conventional loans require anything between a 3-20% down payment, while FHA needs as little as 3.5%, and it can offer more attractive interest rates. A similarity between the two is that conventional loans and FHA loans require homeowners to purchase private mortgage insurance (PMI), but with conventional loans, you have to get PMI only if you don’t pay the full 20% down payment. PMI helps protect the lender against default should a buyer not make a payment. USDA Rural Development Loans and VA loans offer loans with no down payment.  Different loans can yield different rates and results.

For all terms and types, be sure to ask your lender to compare the options for you.

Finally...  

When shopping mortgage rates, be aware that the one you get over the phone could be completely different in a matter of minutes. Lenders can’t always guarantee a locked-in rate until they have a loan application from you and a signed contract on the home you’re purchasing.

It’s not just one ingredient over the other — each factor contributes to the overall recipe that’s personally refined by you. All you need to do is keep these five major components under your scrutiny and your long-term wealth will rest much easier.

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

Monday, March 23, 2026

Financial Wellness Checklist: Refresh Your Money Habits This Season

Spring cleaning usually means cleaning up the garage full of boxes or that closet you've been meaning to clean for a few months. But, Spring cleaning is also the perfect time to reset your financial health.

If you’ve been looking for a practical financial wellness checklist to improve your money management habits, you’re in the right place. A seasonal financial reset can help you reduce credit card debt, build savings, improve your credit score, and feel more confident about your financial goals.

At Flat Branch Home Loans, we believe strong financial wellness is the foundation for successful homeownership. Whether you’re preparing to buy a home or simply working toward better financial stability, this checklist will help you take meaningful steps forward.

Your Financial Wellness Checklist

1. Review Your Bank Statements and Monthly Spending

One of the most overlooked budgeting tips is simply reviewing your transactions.

Go through your recent bank and credit card statements and ask:

  • Where is most of my money going?
  • Am I overspending in certain categories?
  • Are there any unnecessary or duplicate charges?

Understanding your spending patterns is a core part of financial planning and better money management. Awareness leads to smarter decisions.

2. Cancel Unused Subscriptions to Reduce Monthly Expenses

Reducing unnecessary expenses is one of the easiest ways to improve financial health.

Streaming services, apps, memberships, and auto-renewals can quietly drain your budget. Canceling even a few unused subscriptions can:

  • Free up monthly cash flow
  • Help you build savings faster
  • Allow you to make extra debt payments

Small changes can have a big impact over time.

3. Check Your Credit Report to Improve Your Credit Score

If homeownership is on your radar, monitoring your credit is essential.

As part of your financial wellness checklist:

  • Review your credit report for errors
  • Pay down high credit card balances
  • Keep credit utilization low

Improving your credit score can help you qualify for better loan terms and lower interest rates, which makes a significant difference in long-term financial planning.

4. Automate Savings to Build Financial Stability

Building savings doesn’t have to feel overwhelming.

Set up automatic transfers to:

  • Your emergency fund
  • A high yield savings account
  • A down payment fund

Automation makes saving consistent and effortless. Even small, recurring deposits help build long-term financial security.

5. Make an Extra Debt Payment to Reduce Debt Faster

High interest debt can slow down your financial goals.

Consider applying extra funds toward:

  • Credit cards
  • Personal loans
  • Other high-interest balances

Reducing debt improves your debt-to-income ratio, strengthens your overall financial health, and positions you more favorably for future mortgage approval.

Why Financial Planning Should Start Early

One of the most powerful financial wellness strategies is simple: start early.

Financial planning isn’t just for major life milestones like retirement and wealth management. The earlier you begin building healthy money habits, even with small amounts, the more flexibility and opportunity you create for yourself down the road.

Starting early allows you to:

  • Build compound savings over time
  • Improve your credit profile gradually
  • Reduce financial stress before big purchases
  • Create a realistic plan for long-term goals like homeownership

Even if buying a home feels years away, preparing now gives you more options later. A strong savings habit, consistent budgeting, and mindful credit management can dramatically improve your financial position when the time comes.

Financial planning early involves more than just building an emergency fund and covering monthly living expenses. A comprehensive financial plan also includes important long-term decisions like contributing to a retirement account, reviewing your retirement plan options, exploring investment strategies, considering estate planning, and evaluating life insurance coverage.

Retirement planning is one of the most impactful steps you can take toward long-term financial wellness. Contributing to employer-sponsored retirement accounts like a 401(k) or opening an IRA can help you take advantage of compound growth over time. Even small, consistent contributions can grow significantly and support your future financial independence.

Estate planning is another key part of financial health that many people delay. Creating a will, assigning beneficiaries, and organizing important financial documents ensures your assets are distributed according to your wishes. While it may not feel urgent, planning ahead protects both your finances and your family.

Life insurance is also worth reviewing as part of your financial wellness checklist. The right policy can provide financial security for loved ones, cover outstanding debts, and support long-term goals if the unexpected happens.

By regularly reviewing your budget, improving your credit score, reducing debt, building savings, and making informed decisions about retirement planning and long-term financial security, you create a stronger financial foundation. And that foundation supports everything from everyday stability to major milestones like buying a home.

How to Start a Budget (If You’ve Never Had One)

If you don’t currently have a budget, this is your sign to start one.

Creating a budget doesn’t have to be complicated. Here’s a simple way to begin:


  1. List your monthly income. Include take-home pay and any consistent additional income.
  2. Track your fixed expenses. Rent or mortgage, utilities, insurance, car payments.
  3. Estimate variable expenses. Groceries, gas, dining, entertainment.
  4. Set savings and debt payoff goals. Treat these like non-negotiable monthly expenses.

Most people see budgeting as restricting, when budgeting is really about setting your intention on your financial goals. It helps you tell your money where to go instead of wondering where it went.

Over time, budgeting becomes one of the most effective money management tools for building financial health, reducing debt, and increasing savings.

Why a Financial Health Check Matters

Reaching your financial goals takes time and commitment, but we are here to help.

By regularly reviewing your budget, improving your credit score, reducing debt, and building savings, you create a stronger financial foundation. And that foundation supports everything from everyday stability to major milestones like buying a home.

Team Lasson is committed to helping you achieve lasting financial confidence, both during the mortgage process and well before and long after closing.

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


Monday, March 16, 2026

5 First-Time Homebuyer Mistakes to Avoid

Buying your first home is a big milestone!

While it’s exciting, it’s also easy to make a few mistakes along the way. We’re here to help you sidestep the most common pitfalls with smart, simple advice.


1. Skipping the Budgeting Step  

Know what you can afford before you fall in love with a house.

One of the most common mistakes is shopping for homes before understanding your full financial picture. Be sure to:

  • Factor in not just your monthly mortgage, but property taxes, insurance, HOA fees, and utilities.
  • Avoid maxing out your pre-approval amount—leave room for unexpected expenses.
  • Build a savings buffer for home maintenance and moving costs.

2. Not Getting Pre-Approved Early

A mortgage pre-approval gives you buying power and peace of mind.

Before you start house-hunting, get pre-approved by a lender. This helps you:

  • Understand what loan programs and rates are available to you.
  • Show sellers you're a serious buyer.
  • Spot potential credit issues early and correct them before it's crunch time.

3. Overlooking Loan Options

There’s no one-size-fits-all mortgage. Explore your choices.

First-time buyers often default to the 30-year fixed loan, but there may be better fits depending on your situation. A few different mortgage options are:

  • FHA, VA, or USDA loans with low or no down payments.
  • Down payment assistance programs that help bridge the gap.
  • Adjustable-rate mortgages (ARMs), which might make sense in certain situations.

4. Letting Emotions Lead the Way

Stay focused on the long-term investment, not just the granite countertops.

It’s easy to get swept up in dream-home fantasies, but smart buyers:

  • Stick to their budget and wish list priorities.
  • Don’t rush the process—even in a hot market.
  • Get a home inspection and negotiate repairs or walk away if needed.

5. Forgetting About Closing Costs

Don’t let final fees catch you off guard.

Many first-time buyers focus only on the down payment and monthly mortgage—but closing costs can add up quickly. Be prepared to:

  • Budget an additional 2–5% of the home’s purchase price for closing costs.
  • Understand what’s included: lender fees, appraisal, title insurance, and more.

Your first home purchase doesn’t have to be stressful. With the right guidance and preparation, you can avoid common missteps and move forward with confidence.

Ready to take the first step? Team Lasson is here to help guide you through this 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


Tuesday, February 24, 2026

Things You Should Know Before Buying a Historic Home

Historic homes, with their original hardwood floors, intricate millwork, and vintage fireplaces, exude a charm and character that newer ones simply can't replicate.

At Flat Branch Home Loans, we recognize that each old house has a unique story, often decades in the making. If you're thinking about buying an historic home, it's crucial to understand the beauty and responsibilities that accompany it. Here's what every homeowner should know before making an older property their own.

What Defines a Historic Home?

A property might qualify as historic if it is over 50 years old and retains architectural integrity or cultural significance. Some older homes are listed on the United States National Register of Historic Places or are located within designated historic districts.

Not all older homes carry this official designation. However, for those that do, renovations, financing considerations, and long-term planning can be affected.

We can assist you in understanding how a home's historic designation may influence your loan options.

Local Preservation Rules May Apply

Properties in historic districts may be subject to local preservation ordinances that limit certain exterior—and occasionally interior—changes.

This could affect:

  • Window or door replacements
  • Exterior paint color choices
  • Additions or structural changes requiring approval

These regulations aim to preserve the character of the established neighborhood and may influence your renovation plans. Prior to making an offer, consult your local municipality or preservation board to understand permissible changes.

The Importance of Thorough Inspections

Historic homes often feature aging systems and materials warranting careful evaluation. Common concerns include:

  • Outdated electrical systems
  • Older plumbing
  • Insulation gaps
  • Foundation settling and uneven floors
  • Roofing wear
  • Presence of lead paint or asbestos
  • Water damage
  • Mold
  • Structural integrity and structural problems

Hiring an inspector with expertise in older homes can help uncover potential issues and estimate future maintenance costs. Understanding these factors upfront supports informed decision-making and helps avoid surprises later.

Potential Financial Incentives

Historic homes may qualify for tax credits or incentives for approved renovation work. These programs vary by state and locality and often require adherence to specific renovation standards.

While these benefits can offset costs, understanding the guidelines before starting major improvements is essential.

Budgeting for Ongoing Maintenance

Historic homes require thoughtful care. Replacement materials may need to match original features, and repairs might cost more than in a newer home. Establishing a dedicated maintenance budget can safeguard both your investment and the character of the historic home over time.

The Reward: A Home with a Story

Owning a historic home means becoming a steward of its history. You preserve craftsmanship, architectural style, and local history for future generations.

With proper preparation—and the right lending team—you can embrace the beauty and character of a historic home while feeling confident in your investment.

Considering buying a historic home? Team Lasson is here to guide you every step of the way to becoming a homeowner.

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