Thursday, June 30, 2022

Lake of the Ozarks Fourth of July Fireworks Guide

The Fourth of July Weekend is almost here! Our mortgage lender near Osage Beach, MO can't wait for the big holiday weekend! BBQ's, boating, and fireworks are all staples on the 4th of July! Team Lasson is here to showcase some of the amazing places you can catch fireworks at Lake of the Ozarks this holiday weekend. 

Photo Credit: Fun Lake

2022 Fireworks at Lake of the Ozarks:

Dale Hollow Winery

July 1; 5:00 pm – 9:00 pm

Stover, MO

Phone: 573-569-0094

dalehollowwinery.com


Captain Ron’s

July 3; Fireworks Begin at Dusk

Sunrise Beach, MO | 34.5 MM By Water

Phone: 573-374-5852

captainronsatthelake.com


City of Linn Creek

July 3; Fireworks Begin at Dusk

Linn Creek City Park; Linn Creek, MO

Phone: 573-346-6200

linncreekmo.com


Bear Bottom Resort

July 2 and 4; 9:45 pm Each Night

Sunrise Beach, MO | 38 MM By Water

Phone: 573-374-6905

bearbottomresort.com


The Wet Spot Bar & Grill

July 4; Fireworks Begin at Dusk

Stover, MO (Ivy Bend Rd)

Phone: 573-372-9903

facebook.com/thewetspotloz


Celebration Cruises

July 4; Boarding 7:30 pm - Return 9:30 pm

Lake Ozark, MO

Phone: 573-480-3212

cruiselakeoftheozarks.com


City of Eldon Celebration

July 4

Fireworks Begin at Dusk

Phone: 573-392-2291

Facebook.com/eldonparksandrecreation


Point Randall Resort

July 4; Fireworks Begin at Dusk

Lake Ozark, MO | 2 MM By Water

Phone: 573-365-2081

pointrandallresort.com


Lake Valley Country Club

July 4; Fireworks Begin at Dusk

Camdenton, MO

Phone: 573-346-7218

lakevalleygolf.com


The Lodge of Four Seasons

July 4; Fireworks Begin at Dusk

Lake Ozark, MO

Non-Guests Can View By Water @ The 13.5 MM

Phone: 573-365-3000

4seasonsresort.com


Margaritaville Lake Resort

July 4; Fireworks Begin at Dusk

Osage Beach, MO

Non-Guests Can View By Water @ The 26 MM

Phone: 573-348-3131

margaritavilleresortlakeoftheozarks.com

Photo Credit: Fun Lake

Watching fireworks out over the water is one of the most breathtaking experiences and it's something we're lucky to see quite often here at Lake of the Ozarks! If you love visiting the Lake on holiday weekends, make this your permanent vacation destination when you purchase a vacation home at Lake of the Ozarks! We can help you every step of the mortgage process for your second home! If you're ready to make your dream vacation home a reality, give us a call at (573) 746-7211 or visit our website at www.yourlakeloan.com!


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Michael Lasson
Senior Loan Officer
NMLS #: 493712

4655 B Osage Beach Parkway
Osage Beach, MO 65065






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

Thursday, June 23, 2022

Perks of Getting Pre-Approved for Your Mortgage

Whether you're buying a home at Lake of the Ozarks for the first time or you're a seasoned buyer, getting a mortgage pre-approval is the first step you should be taking in the home buying process. A pre-approval on a home loan at Lake of the Ozarks has many benefits and our Osage Beach, MO mortgage lender is here to show you why!

Get Ahead of the Game

The mortgage process can be lengthy. Having a pre-approval can help speed the process along once you enter into the steps between contract and closing on the property. This can also speed up the negotiation process as you'll be a more attractive buyer in the eyes of the seller. 


Know Your Budget

A pre-approval is a fantastic way to see how much you can afford in a home. Your lender will give you an amount that you are approved to borrow on a property. This information is vital for you and your real estate agent in order to stay within the pre-approved budget when searching for a home. 


Improve Power During Negotiations

When negotiating the price and terms of the purchase of a home, a pre-approval gives you more power than someone who is not pre-approved for a loan. You have a little more clout, and your offer may be taken more seriously with your pre-approval backing. 


Establishes Trust

A pre-approval helps you appear to be a dedicated buyer to both your real estate agent and potential home sellers. Going through the pre-approval process shows that you've already invested the time needed to get approved for the loan, therefore you're a serious buyer on the market. You aren't just using your agent to look at homes for fun, you're looking to purchase. 

If you're planning to buy in the near future, it's a good idea to get pre-approved for your loan before you start your home search. Team Lasson is here to help you every step of the way! Give us a call at (573) 746-7211 or visit our website at www.yourlakeloan.com!


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Michael Lasson
Senior Loan Officer
NMLS #: 493712

4655 B Osage Beach Parkway
Osage Beach, MO 65065






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

Thursday, June 16, 2022

Invest in a Vacation Home this Summer

With the spike in temps this week, it's feeling like summer at Lake of the Ozarks! If you love visiting this beautiful area, there are many reasons why you should invest in a vacation home today! Our Lake of the Ozarks mortgage lender is here to point out some of the reasons why and to help make your home purchase a breeze!

Additional Income

A huge perk of owning a vacation home is that you can turn it into a vacation rental when you're not using it. You can easily cover your own expenses and make money on top of that when you rent your property out for just a couple weekends a month. 


Get a Jump Start on Retirement Planning

If you're planning to retire in this area, go ahead and invest in a property now that you can enjoy for years to come! Buying a home now that you plan to move into when you retire can help ease the burden of purchasing a home when entering into retirement. 


Convenient Getaways

Vacations are fun but finding and booking accommodations can be frustrating and expensive. A vacation home offers an easy getaway as you won't have to plan or book your stay in advance! You can even get away on a whim when you own property in your favorite vacation spot!


Create Lasting Memories with Family

Many amazing memories are made on vacation with family. Create a place that your entire family can enjoy for years to come when you invest in a vacation property at Lake of the Ozarks! You can even use the property in your estate plan to ensure the vacation home is in the family for future generations. 


Invest in Something Tangible

Real estate is a solid investment strategy. The biggest perk of investing in a vacation property is that you have a tangible place to experience, while you invest. You're investing in more than just a property, you're investing in a lifestyle you can enjoy for years to come!

If you've been dreaming of buying a home at Lake of the Ozarks, now's a great time to make that dream a reality! Let's talk about your mortgage options for buying a vacation home at Lake of the Ozarks today! Don't wait any longer and give us a call at (573) 746-7211 or visit our website at www.yourlakeloan.com!

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Michael Lasson
Senior Loan Officer
NMLS #: 493712

4655 B Osage Beach Parkway
Osage Beach, MO 65065






**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, June 3, 2022

Home Loan Rate Update

Interest rates have been fluctuating in recent months. Our mortgage lender at Lake of the Ozarks keeps a close eye on the rates. What does this mean for you and your home loan at Lake of the Ozarks? Team Lasson is here to help analyze what these changes may mean. Check out these points from a recent Mortgage Market Guide article:

Some Good News on Rates

This past week, home loan rates improved to the best levels in a month. The 10-yr Note yield closed beneath 2.80% for two consecutive days for the first time since April 13th. Moves like these begin to suggest that rates may have peaked. The main reason for the decline in rates is due to rising fears of a recession.

On Thursday, the 2nd reading of 1st Quarter GDP showed a 1.5% contraction in economic growth. A textbook definition of a recession is two consecutive quarters of negative growth or contraction. Currently, estimates for the 2nd Quarter GDP sit around 1.5%. When coupled with the 1st quarter contraction, we will either experience a recession or something very close.

We also had some corporate earnings this week, which showed high energy costs are starting to hurt the consumer. Target and Best Buy said sales of big-ticket items like televisions and exercise equipment have slowed. Durable Goods Orders for April also showed consumers' appetite for large purchases has waned as energy prices remain elevated.

A barrel of oil is at $112 despite measures like tapping the Strategic Petroleum Reserves and China still in a big lockdown with its zero-covid policy. There is a rising concern that oil prices will move another leg higher upon China's eventual full re-opening and demand increasing sharply. Another oil spike would be unwelcomed just as the Federal Reserve is set to raise rates by .50% in each of the next two months.

Speaking of the Fed, the financial market is starting to sense the Fed will pause after a couple of rate hikes. The incoming economic data will determine how far the Fed will go.

Some signs inflation may have peaked too. The 10-yr inflation expectations have declined sharply in the past couple of weeks and that too is a reason why yields/rates have declined. Seeing long-term inflation expectations decline is very important to the Fed as they do not want to see consumers “expect” higher prices in the future or it will likely happen.

Bottom line: Home loan rates are showing signs of peaking with rates hovering near current levels over the last month. Uncertainty and volatility around inflation, the Fed, and economic growth will continue to push rates and stocks around. If you are considering a purchase transaction, now is a great time to lock.

Looking ahead

Next week brings the important Jobs Report. The labor market remains extremely tight, and the Fed wants to cool it off a bit without doing major damage. The last thing we want to see is rising unemployment and rising prices, hence the tough spot the Fed is in as it relates to hiking rates. The strong labor market remains bright for housing...jobs buy homes.


If you're thinking about purchasing a home at Lake of the Ozarks, now is a great time to get your interest rate locked in. Let's talk about your options and get rolling on the home loan process today! Give us a call at (573) 746-7211 or visit our website at www.yourlakeloan.com!

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Michael Lasson
Senior Loan Officer
NMLS #: 493712

4655 B Osage Beach Parkway
Osage Beach, MO 65065






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

 

Thursday, June 2, 2022

June Events You Won’t Want to Miss

We're well into June & the events at Lake of the Ozarks keep getting better and better! Our mortgage lender near Osage Beach, MO knows how exciting it is to attend events in the area. It really gives our area a unique perk of living here! Even if you don't live here full time, we hope you'll make plans to attend one or more of the amazing events at Lake of the Ozarks this June!

CANINE CANNONBALL

Jun 10, 2022 - Jun 12, 2022

Dog Days Bar & Grill

Canine athletes compete in Big Air, Extreme Vertical, and Speed Retrieve at this FREE event.


HOT SUMMER NIGHTS CAR SHOW

May 13, 2022

Bagnell Dam Strip

Hours of Operation:

5 pm - 10 pm

A free "cruise in" for all classic cars, trucks, and bikes held on the 2nd Friday of each month May - September on Bagnell Dam Strip. Registration is not required and the event is free.


CHILDREN'S LEARNING CENTER (CLC) NIGHT GLOW 5K RUN/WALK - CLC'S 20TH BIRTHDAY CELEBRATION!

Jun 17, 2022

Linn Creek Soccer Fields

CLC's Night GLOW 5K is one of the largest 5k's in the lake area & most family friendly!

Ready....Set....Glow!!!! Children's Learning Center will be hosting the 14th Annual Night GLOW 5K Run/Walk fundraiser to support their center. CLC is a not for profit charity (501c3) that directly impacts children with special needs & developmental delays. The event promotes physical fitness in a fun atmosphere for the very young, as well as the not so young. The event encourages participants to dress up in as much neon, glow in the dark gear as they can to help "light up the night.” There will be music and fun activities for the whole family during onsite registration 6:15-7:45pm and the race will begin at 8pm. 


2022 RUN FOR THE HORSES 5K/10K

Jun 25, 2022

Linn Creek City Park

Registration opens at 6:30 AM, Start Time 7:30 AM

All proceeds from this run benefit the Missouri Forget-Me-Not Horse Rescue in Linn Creek.

Start marking your favorite events on your calendar & make plans to attend! Team Lasson hopes you enjoy learning about what's happening at the Lake this summer! If you're thinking about relocating to Lake of the Ozarks, we encourage you to attend these events to soak in the electric atmosphere of local events. You'll be itching to start your home search, once you experience all the excitement! Let us help you get pre-qualified for a loan at Lake of the Ozarks today! Give us a call at (573) 746-7211 or visit our website at www.yourlakeloan.com to get started!


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Michael Lasson
Senior Loan Officer
NMLS #: 493712

4655 B Osage Beach Parkway
Osage Beach, MO 65065






**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, May 25, 2022

Memorial Day Weekend Firework Displays at Lake of the Ozarks

The big holiday weekend is almost here! Our Lake of the Ozarks mortgage lender can feel the excitement in the air as the kick-off to summer approaches. We want to take some time to showcase some of the awesome firework displays happening at Lake of the Ozarks this holiday weekend! Check them out:

Photo Credit: Fun Lake

Memorial Day Weekend Firework Displays:

Bear Bottom Resort (Sunrise Beach)

May 28 & May 29; 9:45 pm

View by Water at the 38MM

573-374-6905 • BearBottomResort.com


Margaritaville Lake Resort (Osage Beach)

May 29; Display Begins at Dusk

View by Water at the 26MM

573-348-3131 • margaritavilleresortlakeoftheozarks.com


The Lodge of Four Seasons (Lake Ozark)

May 29; Display Begins at Dusk

View by Water at the 13MM

800-843-5253 • 4SeasonsResort.com


Point Randall Resort (Lake Ozark)

May 29; Dusk

View by Water at the 2 MM

573-365-2081 • pointrandallresort.com

Photo Credit: Fun Lake

The fun events are just getting started for the season and Team Lasson is thrilled to get to showcase some more exciting events for homeowners & visitors to attend! Get in on all the fun events & purchase a home at Lake of the Ozarks! To get started in your home buying process, give us a call at (573) 746-7211 or visit our website at www.yourlakeloan.com!


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Michael Lasson
Senior Loan Officer
NMLS #: 493712

4655 B Osage Beach Parkway
Osage Beach, MO 65065






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

 

Thursday, May 19, 2022

Popular Reasons to Refinance Your Home

There are many benefits of refinancing your home at Lake of the Ozarks. If you're curious if refinancing is the right financial move for your unique circumstance, it's time to chat with a mortgage lender at Lake of the Ozarks. A professional can help you evaluate the pros and cons of refinancing and the impact it would have on your current mortgage and financial situation. Check out a few of the common reasons people take advantage of a mortgage loan refinance!

Shorten the Terms of Your Mortgage

Paying off your home sooner is much more appealing in certain circumstances. For instance, if you are planning to retire before your mortgage would be paid off, it may be worthwhile to refinance for a shorter term that way you can pay off your home faster. Shortening the terms can actually help you save money in the long run by reducing your interest, as well. 


Take Advantage of the Current Interest Rate

If the current interest rate is lower than the rate at which you purchased your home, you may want to take advantage of the lower rate and refinance your mortgage. Rates are on the rise.


Cash Out 

A cash out refinance is a great way to take advantage of the equity you've built in your home to use toward another purchase or to pay off debt. Whether you're thinking of taking that dream vacation, purchasing a vehicle, or want to pay off debt that's been hanging over your head, a cash out refinance is a solid option. 


Reinvest In Your Home

The current real estate market is tough. If you're tired of waiting out to make an offer on your dream home, consider turning your current space into your dream home. Whether it's adding a bedroom, building on a deck, or adding a retaining wall to expand your parking, refinancing your home to upgrade it may be the way to go. 

As you can see, there are many potential perks of refinancing your home. From more appealing mortgage terms to getting cash out of your investment, there are plenty of reasons homeowners choose to refinance. If you're interested in refinancing your Lake of the Ozarks home, give us a call at (573) 746-7211 or visit our website at www.yourlakeloan.com to get started!


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Michael Lasson
Senior Loan Officer
NMLS #: 493712

4655 B Osage Beach Parkway
Osage Beach, MO 65065






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