Showing posts with label lake home at the Lake of the Ozarks. Show all posts
Showing posts with label lake home at the Lake of the Ozarks. Show all posts

Thursday, September 23, 2021

The Beautiful Qualities of a Lake Home

Lake of the Ozarks is filled with million dollar views. The beauty of the Lake Area is loved by many, not only for the views, but also fun entertainment, delicious restaurants, and a tight knit community, just to mention a few. Team Lasson loves the Lake Area so much that we want to help make your Lake dreams come true as well. Fall is a great time to enjoy Lake of the Ozarks, so here are some beautiful qualities that the Lake homes in our area have to offer.

 

Photo Credit: Fun Lake

The Beautiful View

When owning a Lake home, the incredible views are going to be the focal point. Your home could be on the main channel where you can appreciate the beautiful boats going by, you may prefer a home located on one of the many arms of the Lake. The peace and quiet can provide a perfect getaway for relaxation after a busy week in the city. No matter where your Lake home is located, the views are always exceptional. Sunrises and sunsets are a picture-perfect scenario for sitting on the deck, or dock with a drink and soaking it all in.

Dock Access

A Lake home needs only one thing to truly be exceptional, and that is dock access. Lake homes may have a dock in the backyard, or they could be down the road. Having your own boat dock or slip makes your boat easily accessible. Cruising the Lake, enjoying the sights, or visiting lakefront restaurants are easier when you have a dock. You can also hit the water whenever the fish are biting, so the "one" never gets away!

Great Locations

Many Lake homes are within minutes of shopping, restaurants, and other activities. If you are looking for easy commutes and wonderful communities, Lake of the Ozarks is the place for you. Owning a home at Lake of the Ozarks can be as close or as far from civilization as you desire, which is what makes our area so unique. We finance homes at Lake of the Ozarks that are minutes from the water and minutes from town. We have also financed homes that are in the perfect secluded sanctuary. The Lake offers many different settings that can meet your individual desires.

Indoor and Outdoor Amenities

You will find that Lake homes are geared towards both indoor and outdoor activities. These beautiful homes at Lake of the Ozarks can offer outdoor kitchens, patios, porches, pools, and more. Inside, they are designed with spacious kitchens, living areas, and plenty of room for guests. Some homes even have entertainment rooms, game rooms, bars, etc. When you want to get away, you can truly have it all with a Lake of the Ozarks home.

 

Photo Credit: Fun Lake

Let’s Get Started On Your Mortgage!

The first step to buying a home at Lake of the Ozarks is to get pre-approved. This is an important first step because it will show you and your real estate agents what price point to shop for. Our team would be glad to assist you through the mortgage and purchasing process. We will be with you through the entire process. Answering your mortgage questions, assisting you with paperwork, and finally, getting you to the closing day! It will not be long before the new keys to your home are in your hand. Let us help you get there and enjoy the tranquility of living at the Lake!

 

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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.

 



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Location: Lake of the Ozarks, Missouri, USA

Wednesday, May 26, 2021

Spruce Up Your Vacation Home For the Summer

Owning a second home at the Lake of the Ozarks is a great accomplishment and one that you should feel a great sense of pride in. You have a prime place to vacation, unwind, and plenty of activities to enjoy right in your backyard. Get the most out of your lake home experience by enhancing your vacation home at the Lake of the Ozarks. Team Lasson is here to provide you with a few inexpensive home renovation ideas to help you spruce up your lake home for the busy summer months.


Create An Outdoor Living Space


As summer is just around the corner, we will look for any reason to be outside. Every lake home should have an outdoor area that is comfortable, stylish, and functional for enjoying the lake life. After all, you'll be spending plenty of time out on the water, and it can really enhance the appeal of your lakefront home. Pouring a small concrete patio, setting up a small pavilion, or using natural landscaping, benches, and stone pathways can add a great deal of eye appeal to your property. If you'd rather not DIY a project like this, you can always count on the contractors at the lake to come up with a collaborative design and complete the work for you. By doing this, you will be able to create your dream outdoor space!

Indoor & Outdoor Lighting


Replacing your old lighting fixtures can really enhance the entire home - inside and out! Adding solar lights to line a pathway leading to the water or other appealing areas around your property can do wonders. Plus, it creates a gorgeous view from the water as well. At the Lake of the Ozarks, you can make the most of your waterfront views by keeping the windows and sliding doors free of draperies. Consider highlighting your natural landscape, gardens, and shrubs to create an alluring atmosphere for your home.


Update the Kitchen


Summertime comes with bright colors, and fresh scents. As we tend to be outdoors during the summer months, it can be hard to make your kitchen a place that has a summertime feel. You do not have to do a complete overhaul of your kitchen to maximize its appeal in your lake home. Adding small DIY's such as updated cabinet fixtures, paint, and small home décor items can go a long way in revitalizing your kitchen area.
 

Add A Fresh Coat of Paint


Painting may not seem like it can make much of a difference, but adding on a fresh coat of paint or new color to a room can breathe new life into any space. Fresh paint is always a great and typically more inexpensive way to freshen up an area. It can be used to complement or contrast other features of your home to create one-of-a-kind spaces that are unique to your taste.


These typically inexpensive upgrades can be a great way to update your vacation home at Lake of the Ozarks. Team Lasson enjoys living the lake life and is proud to be able to share the experience with other homeowners. If you need additional cash for any home renovations, talk to us about refinancing your home at Lake of the Ozarks. If you are still in need of a lake home, we can help you purchase a vacation home at Lake of the Ozarks as well!


LIKE my Facebook Page, Follow me on Twitter or Connect on LinkedIn



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.

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Location: Osage Beach, MO, USA

Thursday, June 18, 2020

How Much Vacation Home Can I Afford?

When purchasing a vacation home at Lake of the Ozarks, one of the first questions to ask yourself is how much can you afford to put into a second home. You already have a pretty good idea of the costs involved with your current home, but it’s important to not just look at the monthly mortgage payment. In addition to a monthly mortgage payment, you will also need to figure out the upfront home buying costs, the closing costs, and the regular homeownership expenses. Here is a quick overview of costs that come up through the start of your mortgage and how to prepare for these when you are purchasing your second home at Lake of the Ozarks.


Upfront Buying Costs

Your monthly mortgage payment is only one piece of the puzzle when you are figuring out how much you can afford to pay for a vacation home. A few of these are going to be the Inspection and Appraisal fees, the earnest money, and the down payment.

Earnest Money - this is your initial deposit on your home. It can be beneficial because if your offer is accepted, it can put weight behind your purchase. Also, if your offer is one of many bids, the earnest money put down could give you some advantages with the seller’s decision.

Down Payment - generally, the more you pay down, the better your mortgage rate can be. A 20% down payment is ideal, but down payments can be higher or lower than that depending on the loan program you qualify for and how much you have saved for the down payment.

Closing Costs

A good rule of thumb is that your final closing costs will typically range from 2-4% of the total loan amount. Here is a quick overview of what can be included in closing costs - depending on many factors:

  • Mortgage Origination Fees
  • Attorney's Fees
  • Inspections and Surveys
  • Title Insurance and Title Search
  • Recording Fees
  • Appraisal Fees

Expenses Associated with Homeownership

There can be many additional costs included with owning a home, some are obvious, some may get forgotten while you are working through your budget. It’s important to be informed on all of the costs of homeownership before committing, so let’s take a look at some of these:
  • Mortgage Insurance
  • Home Owner’s Insurance
  • Utilities
  • Repairs
  • Property Taxes
  • Home Owner Association Dues

Now is the Time to Buy

2020 has been a great year for both buying a home or refinancing your current real estate. If you have been thinking about buying a home, but you need to know how much you can afford to spend on one, let Team Lasson help! Visit our website, fill out an application, and we can get a preapproval ready for you. This will give you a good idea about how much you can afford to spend on a home. We look forward to assisting you through this exciting process and can’t wait to help you get the keys to your new vacation home through our mortgage services at 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.












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