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

Thursday, February 8, 2018

Celebrate Valentine's Day at the Lake of the Ozarks

Valentine's Day is just around the corner and love is in the air! How will you be celebrating with that special someone this year? Your Lake of the Ozarks mortgage lender has the details on all the great local places to celebrate. Keep reading for some ideas and start making your plans today!

Valentine's Day Dinner at HK's - February 9, 10 or 14 


Head over to The Lodge of Four Seasons for a delectable Valentine's Day Dinner, available February 9th, 10th and 14th starting at 5 PM each night. Start your evening off with succulent crab cakes, lobster bisque or a sweetheart salad, then move on to the entree choices of surf and turf, classic steak Diane or pan roasted sea bass. If there's room for dessert, HK's chocolate covered strawberry cheesecake should do the trick! Make your Valentine's Day Dinner memorable at HK's. 

Free Wedding Vow Renewal at Bridal Cave - February 11 


Bridal Cave cordially invites you to celebrate Valentine's Day at the cave to renew your wedding vows! On Sunday, February 11th between 9 AM and 4 PM take the opportunity to profess your love to one another once again. Each couple will receive fresh flowers for the bride from Janine's Flowers, a wedding portrait available for download online from Lindsey Webster Photography, a goodie bag with Lake area discounts and a lifetime pass to Bridal Cave at NO CHARGE! 

Romantic Valentine's Day Dinner at Seven Springs Winery - February 14 


Enjoy a romantic Valentine's Day Dinner at Seven Springs Winery with 3 courses featuring: a Caesar salad, 10 oz K.C. strip and lobster tail, with garlic mashed potatoes, asparagus and turtle cheesecake for dessert. Dinner will be served from 5 PM to 8 PM at $99 per couple. Make your reservations today by calling 573-317-0100. 

Valentine's in the Cavern - February 14 


Stark Caverns is please to announce that they are partnering with Shawnee Bluff Winery and Vineyard for a special Valentine's Day event. Valentine's in the Cavern will offer a special two-hour food and wine experience in an unbelievable setting on the evening of February 14th beginning at 5:30 PM. Stations setup throughout the cave will feature wine and appetizers from Shawnee Bluff. Anticipate music, romantic photo opportunities and of course chocolate, for an evening to remember. Tickets are just $35 per person. Call Stark Caverns at 573-369-3306 to make reservations.

Valentine's Day at Camden on the Lake - February 14-17


Head over to H. Toad's Bar & Grill for a special couple's meal for $99 either February 14, 15, 16 or 17. Call 573-365-5620 to make reservations. 

Valentine's Dinner for Two - February 16 


Enjoy an evening of dinner and dancing at the Ozark Yacht Club Anchor Room from 7-11 PM on February 16. There will be live music, a photo opportunity and a red rose for the ladies! Tickets are $49.99 per couple. Please RSVP by calling 573-552-8401. 

Speaking of love, would you love to purchase a new home this spring? Or would you love to reduce your mortgage interest rate or monthly mortgage payment? Talk to me about a new home loan or refinancing your home at the Lake of the Ozarks. As your mortgage lender, I'm here to work with you every step of the way. From discussing your options to offering competitive interest rates, I'm here for all your Lake of the Ozarks home financing needs!

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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Location: Osage Beach, MO 65065, USA

Thursday, July 9, 2015

How Much House Can You Actually Afford?

Home affordability is about much more than just how much you can borrow. Your income, credit history, down payment and your employment and residence history all play a part in how much you can borrow, but the amount you can borrow may actually exceed the amount you can comfortably afford. There are many factors that go into determining how much house you can afford. In addition to your monthly Lake of the Ozarks mortgage payments, you'll need to consider the up-front costs of buying a house, the closing costs and any ongoing homeownership expenses.

Personal Considerations


1. Up-Front Home Buying Costs

 While your monthly mortgage payment may seem like the best way to determine how much house you can afford, there are other expenses that need to be considered. There are several up-front costs that you will have to pay before you even start making your monthly mortgage payments. These expenses include:
  • Mortgage Application Fees - "origination" or "service" fees, which can either be flat fees or can range from 1-2% of the total purchase price. You will also have appraisal, underwriting and credit reporting fees, but those are often worked into the closing costs. 
  • Earnest Money - is an initial deposit to be paid to the seller if your offer is accepted, to put weight behind your intention to buy. If your offer is among multiple bids, the earnest money you put down may influence the seller's decision in your favor. 
  • Down Payment - Often times, you can get a better mortgage rate by paying a higher down payment. While a 15-20% down payment is ideal, down payments can range anywhere from 0-20% or more of the total cost of the home.

2. Closing Costs

Final closing cost will typically range from 2-4% of the total loan amount. Occasionally, the closing costs can be rolled into the mortgage loan amount, meaning you can pay them off as you make your monthly mortgage payments. Closing costs can often be estimated by the lender up-front and can include:
  • Mortgage Application Fees 
  • Mortgage Points
  • Attorney's Fees
  • Inspections and Surveys
  • Title Insurance and Title Search 
  • Escrow Deposit 
  • City Recording Fees

3. Homeownership Expenses

The monthly costs in owning your own home well exceed the amount you're going to be paying on your mortgage. It is important to be informed on all the costs of homeownership before committing to a purchase. Make sure you're taking all these extra costs into account when asking yourself, "How much house can I afford?" These expenses can include:
  • Mortgage Insurance
  • Home Insurance
  • Utilities 
  • Repairs
  • Property Taxes

Lender Considerations


1. Debt-to-Income Ratio

The first factor that a lender is going to look at to determine how much house you can afford is your debt-to-income ratio. This measurement is used to ensure that you make enough money to not only cover your new mortgage payment, but also all the other monthly debts you're already paying, such as credit card payments, car payments and student loan payments. Generally most lenders don't want this calculation to exceed 36%. 

2. Credit Score

One of the most important factors in securing a home loan at the Lake of the Ozarks is your credit. Your credit score is based on payment history, overall level of debt, length of credit history and types of credit, and applications for new credit. If your credit score falls within an undesirable range or includes unfavorable marks, a lender will be less likely to approve your loan. If you do get approved, you'll likely pay a higher interest rate, resulting in a higher monthly mortgage payment. 

3. Down Payment Requirements

In most cases, purchasing a home requires that you have some cash on hand. How much you will need depends on the type of loan you are getting and can range anywhere from 3.5-20%. The more you put down up-front, the better interest rate you can expect to get. Keep in mind that your down payment doesn't include the closing costs, so you'll need to consider those when deciding how much you can afford to put down.

If you are considering purchasing a new home at the Lake of the Ozarks in the near future, now is the time to start thinking about how much you can afford. First consider all the expenses involved for yourself; consider using an online mortgage calculator. Then come to your Lake of the Ozarks mortgage lender with any questions that you may have. Together we can make an informed decision on how much you can afford with your new home purchase!

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


Michael Lasson
Sr. Residential Mortgage Lender
NMLS #: 493712

2265 Bagnell Dam Blvd, Suite B
PO Box 1449
Lake Ozark, MO 65049

Direct:  (573) 746-7211

Email:  mlasson@fsbfinancial.com

**The postings on this site are my own and do not necessarily represent First State Bank of St Charles’s positions, strategies, or opinions.
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Location: Lake Ozark, MO 65049, USA

Thursday, July 2, 2015

15 Fireworks Fun Facts for The 4th of July

The 4th of July is a holiday designed to celebrate our country's independence. It's also a day for family fun, BBQs and of course fireworks! Americans have been setting off fireworks to celebrate independence since 1777, at least. So in honor of the upcoming holiday, here are some fun facts about fireworks that you may not know!

Fireworks Fun Facts 


1. The earliest documented evidence of fireworks dates back to AD700 in China. Gunpowder was put into a bamboo shoot and thrown into fire, producing a large blast and the first fireworks.

2. Marco Polo brought fireworks to Europe in 1295, sparking the spread of the invention around the world.

3. China is the leading manufacturer of fireworks, producing about 90% of the world's fireworks.

4. The earliest known use of the word "fireworks" in English was in 1562.

5. The record for the most fireworks launched in 30 seconds is 125,801.

6. The Walt Disney Company is said to be the world's largest consumer of fireworks, spending well over $1 Million a year on them.

7. Dreaming of fireworks is interpreted to symbolize creativity, enthusiasm and talent. It also means that you like to be the center of attention and are showing off to others.

8.Different metals are used to create each of the colors you see in fireworks: blue is copper, green is barium, orange is calcium, yellow is sodium, white is aluminum & titanium, and red is lithium salts and strontium salt.

9. The hardest color to create in fireworks is blue. It's done with copper oxidizers, but the temperature of the reaction has to be just right.

10. Orange is the easiest color of fireworks to create, which is why up until the Middle Ages, fireworks were only orange and white.

11. People who make fireworks are only allowed to wear cotton clothing, as synthetic fibers cause static electricity that could set off the fireworks.

12. Currently, the largest fireworks display in North America is "Thunder Over Louisville" which kicks off the Kentucky Derby Festival each year since 1990.

13. The Guinness World Record for the largest fireworks display is held by the Dubai Government in Palm Jumeirah Island and the World Islands in Dubai, UAE. It took place on December 31, 2013 and consisted of 479,651 fireworks!

14. The sound a firework makes is dependent upon the different chemical combinations; for example, aluminum flakes make hissing noises, while flash powder is responsible for the big, loud booms!

15. The largest firework rocket was 13 kg and was produced and launched in Portugal in 2010.

Fireworks at Lake of the Ozarks


Friday, July 3
Captain Ron's - 4th of July Fireworks from 8:30-9:30 PM (View by water at the 34.5 MM)
Old Kinderhook - 4th of July Fun Fest starts at 5 PM, Fireworks begin at dusk.
Windermere - Freedom Celebration All Day, with Fireworks at 9 PM

Saturday, July 4 
Bear Bottom Resort - Fireworks at 9:45 PM (View by water at the 38 MM)
Celebration Cruises - View The Lodge's Fireworks aboard the Celebration from 7-9 PM
Eldon City Park - Fireworks display begins at dusk.
Sonlight Christian Fellowship - Freedom Fest starts at 6 PM, Fireworks at 9:15 PM
Lake Valley Country Club - Fireworks display begins at dusk.
Mother Nature's Riverfront Retreat - Live Entertainment at 7 PM, Fireworks begin at dusk.
Playin' Hooky Fireworks Cruise - Departs from Millstone Marina from 8:30-10 PM
Point Randall Resort - Fireworks at 9 PM
The Lodge of Four Seasons - BBQ and Carnival starts at 6 PM - 10 PM (View by water at the 13 MM)
Tan-Tar-A Resort - Fireworks from 8:30-9:30 PM (View by water at the 26 MM)
Tropic Island Cruise - View Tan-Tar-A's Fireworks aboard the Tropic Island from 8:30-9:30 PM

Sunday, July 5 
Bear Bottom Resort - Fireworks at 9:45 PM (View by water at the 38 MM)

Happy 4th of July from your Lake of the Ozarks mortgage lender! Enjoy the fireworks displays over our beautiful Lake. Remember that you could enjoy them every year when you purchase a new home at the Lake of the Ozarks! Contact me at 573-746-7211 for all your financing needs!

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


Michael Lasson
Sr. Residential Mortgage Lender
NMLS #: 493712

2265 Bagnell Dam Blvd, Suite B
PO Box 1449
Lake Ozark, MO 65049

Direct:  (573) 746-7211

Email:  mlasson@fsbfinancial.com

**The postings on this site are my own and do not necessarily represent First State Bank of St Charles’s positions, strategies, or opinions.
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Location: Lake Ozark, MO 65049, USA

Friday, October 10, 2014

The Home Loan You Deserve

VA Home Loans


With favorable terms, competitive interest rates and no monthly mortgage insurance premium, VA Loans at the Lake of the Ozarks are designed to make homeownership more affordable for qualified U.S. veterans.  VA Home Loans are provided by private lenders, such as your Lakelender Michael Lasson. However, the VA guarantees a portion of that loan, enabling the lender to provide more favorable terms.  You served our country and now we'd like to serve you!

Benefits of a VA Loan


If you're eligible for a VA-guaranteed loan, you've earned several major benefits, including:
  • 100% Financing
  • NO monthly mortgage insurance premiums due
  • NO pre-payment penalties
  • Low closing costs
  • In-house processing and underwriting

A Team of Professionals


Our team of knowledgeable lenders, processors and underwriters work to extend competitive rates on the best mortgage product for you.  We use reputable local appraisers to provide you with a quick and accurate appraisal, and we are committed to providing a smooth and timely closing process for your home loan at the Lake of the Ozarks! 

Getting Started


You can help speed along your loan process by collecting the following information: 
  • Current drivers license
  • Pay stubs covering the last 30 days
  • W-2 forms for the past two years
  • Two year's tax returns
  • Bank statements for the past 2 months (or any other statement regarding stocks, bonds, 401(k)s, mutual funds, etc.) 
  • *Additional documents may be required

As your Sr. Residential Mortgage Lender at the Lake of the Ozarks, I'm committed to working with you every step of the way.  I'll discuss financing options, offer competitve interest rates and back it up with the first class service you deserve and I guarantee. Give me a call today at 573-746-7211 to get started!

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


Michael Lasson
Sr. Residential Mortgage Lender
NMLS #: 493712

2265 Bagnell Dam Blvd, Suite B
PO Box 1449
Lake Ozark, MO 65049

Direct:  (573) 746-7211

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Location: Lake Ozark, MO 65049, USA
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