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Useful information for home buyers and sellers.

 

June 8, 2023

Housing Market Stability

I'm not concerned about the housing market even with higher rates but I am concerned about inflationary pressure which I don't think we have experienced the real effects of yet! Owning a home in an inflationary market can be a great financial decision. Here are four reasons why:
📉 1. Fixed Debt Payment: In an inflationary market, the value of money decreases. This means that when paying back a fixed debt, such as a mortgage, homeowners can pay back the same amount of dollars but those dollars will be worth less. This can save homeowners a lot of money in the long run.
📈 2. Appreciation: In an inflationary market, the value of homes tends to appreciate. This means that when homeowners decide to sell their homes, they can make a large profit.
💰 3. Tax Benefits: Homeowners can take advantage of a number of tax benefits, such as deductions on mortgage interest and property taxes.
🏡 4. Stability: Owning a home provides stability and security for families. Homeowners can stay in their homes for as long as they choose and enjoy the comfort and peace of mind that comes with owning a home.
Overall, owning a home can be a great way to take advantage of an inflationary market. Homeowners can benefit from the fixed debt payments, appreciation, tax benefits, and stability that come with owning a home.
Posted in Market Updates
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May 20, 2023

Fun 4 Kids Summer Camps 2023

Search you favorite St. Louis, St. Louis County, West County, North County, Jefferson County, St. Charles County summer camps here!  Fun things to do this summer for kids. Fun 4 Kids Summer Camps

Posted in Fun Summer Camps 2023
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March 17, 2023

Mortgage Rates - Spinner Mortgage

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Mortgage Rates

​Panic in the financial markets is usually good for interest rates.  This episode has been no exception.  

 

Rates have dropped by 1/2 pt. since Friday

​
APPLY ONLINE HERE

 

 

Real Estate N​​ews

 

Have clients that need Down Payment assistance?

Homebuyer Services is a program of The Housing Partnership, Inc. (THP) that is designed to prepare homebuyers across the St. Louis region so they can have the knowledge, skills, and connections to become educated and responsible homeowners in long-term affordable housing.

 

Down payment assistance is provided as a 0% interest, $0 payment loan that is forgivable after 5 years of living at the home as your primary residence. Funds are first come, first served. Homebuyers must have at least $1,000 of their own funds vested into the transaction. Please check with us to make sure funding is available.

 

Mortga​​​​ge Payment Calculator w/ Amortization

 

Use this calculator to quickly estimate your monthly payment and view the amortization schedule. Optional fields include taxes, insurance, HOA dues and PMI. This is an excellent calculator to bookmark if you're house shopping.

 

Upcoming Events:​

 

 

 

Jim Spinner

Sr. Loan Officer

US Wide Financial

​(314) 266-3077

jims@uswidefinancial.com

​https://www.uswidefinancial.com/

NMLS: 410323   NMLS: 192116

2200 Westport Plaza Dr., Suite 312, St. Louis, MO 63146
 

Posted in Market Updates, Mortgage
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Feb. 6, 2023

Family Golf Learning Center Performance Anniversary Dr. Cutler

Congratulations and Happy Anniversary for Dr.Cutler  and 

FGLCPerformance!

 

 

Whether its Chiropratic Care or Golf Improvement your interested in, give Dr. Cutler a call today to schedule your first assessment and be on your way to gaining yards in your golf game and improve your spine health! 

Dr. Cutler has appointments available for Custom Golf Movement Assessments this month. This Assessment will pin-point areas of the body that are limited in range of motion and power.  A Specific, at-home and in- office golf exercised routine will then be constructed to help you improve overall mobility, strength, power and swing speed.  

Call today to discuss your goals.  636-696-6122  

 

Stay tuned to see how much improvement I will have made in a few more weeks... things are already improving for me!  

Blog by your trusted realtor Linda Robben !

Posted in For the Golfer young and old, low and high handicaps, Things to do in Chesterfield this weekend
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Feb. 1, 2023

Inspections for your new or used Cars

MODERN CARS

LUXURY VEHICLES

CLASSIC CARS

COLLECTOR CARS
TDT Logo

SEMI TRUCKS

MOTORHOMES

CAMPERS

WATERCRAFT
 

THIS WEEK'S TEST DRIVES
 

IF IT ROLLS OR FLOATS... WE ARE YOUR INSPECTION AND APPRAISAL SOURCE!
 

It has been a couple of months since our last edition of our update.  Looks like we are well into our winter here in the St. Louis area now.  None the less we continue to inspect vehicles as we are requested and schedule around the weather as much as possible.

 

The market on collector cars is looking very strong at least through auction. With the whirlwind of hammer prices in Kissimmee, Florida this month for some of the finest of fine cars in the marketplace. Kissimmee saw a record of 4,000 vehicles consigned for auction with nearly 3,200 sold.  Record breaking attendance witnessed an insane 13 vehicles realizing SEVEN figure hammer prices and $4,000,000 in Road Art sales with over 1,000 items offered for sale.

 

Midwestern U.S. markets are up, many dealers seeing record breaking number of monthly sales already.  We are fortunate to have been a part of that for several clients at dealerships and private sellers in the area. Some of the finest automobile collections in the Unites States rest right here in St. Louis, Missouri's Gateway to the West.

ONE THING IS FOR SURE! 
DON'T BUY ANYTHING SIGHT UNSEEN AND MAKE SURE YOU KNOW WHAT IT IS WORTH!

I AM HERE TO HELP YOU WITH EITHER OR EVEN BOTH.  PUT MY 25+ YEARS OF EXPERIENCE TO WORK FOR YOU.

DOCUMENTING YOUR RV
Documenting Your RV or Motorhome for Insurance

Be sure to document your RV, Motorhome, or Camper just like your actual home!

SPORTS CAR INSPECTIONS
1987 Porsche 911 Turbo Wide Body Pre-Purchase Collector Car Inspection

1987 Porsche 911 Turbo Wide Body Pre-Purchase Collector Car Inspection

USED CAR INSPECTIONS
2018 Ford Edge Platinum Late Model  Pre-Purchase Used Car Inspection

2018 Ford Edge Platinum Late Model  Pre-Purchase Used Car Inspection

TOTAL LOSS APPRAISALS
2012 GMC Sierra 1500 SLE Total Loss Appraisal

2012 GMC Sierra 1500 SLE Total Loss Appraisal

HIRING AN EXPERT INSPECTOR
Steven Paul - Vehicle Expert Witness

Don't just retain any expert.  Hiring the right expert for your case can make or break it!
 

MUSCLE CAR INSPECTIONS
1966 Rolls-Royce Silver Cloud III Pre-Purchase Collector Car Inspection

1966 Rolls-Royce Silver Cloud III Pre-Purchase Collector Car Inspection

RV & CAMPER INSPECTIONS
2015 Dodge Pro Master Custom RV Conversion Pre-Purchase Inspection

2015 Dodge Pro Master Custom RV Conversion Pre-Purchase Inspection

STATED VALUE APPRAISALS
1963 Dodge Polara Convertible Max Wedge Stated Value Appraisal

1963 Dodge Polara Convertible Max Wedge Stated Value Appraisal

Need a Fair Market or Replacement Value Appraisal?
Need a Vehicle Inspected Before You Buy It?
Posted in Buying a new or used Car.. do this first!, Market Updates
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Jan. 28, 2023

Things to do in Chesterfield this weekend

Things to do in Chesterfield this weekend

The Chalet Rooftop Holiday Pop-Up Bar

Joe Dirt and the Dirty Boys

Joe Dirt and the Dirty Boys

Posted in Things to do in Chesterfield this weekend
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Jan. 11, 2023

Rent VS. Buying

Posted in Mortgage Calculator Rent vs Buy
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Jan. 8, 2023

IRS Leins & Homebuying

Can You Buy a Home with IRS Debt?

Owing money to the IRS is unsettling for anyone. It’s also very easy to find oneself in that position. Many people are shocked to discover that they inadvertently miscalculated the amount of taxes owed either at the end of the year or from a previous year. There are also unexpected events that can cause a tax event such as a windfall profit or inheritance.

Regardless of the cause, owing money to the IRS is no fun. If you are considering a home purchase, you may be wondering how this will affect your ability to do so.

If you owe back taxes to the IRS, most likely there is a tax lien. A tax lien is a personal lien that is attached to the person and any property they own. A tax lien takes priority over all other financial obligations, including a mortgage. This puts the lender at greater risk since in the event of a default, they would only be paid after the IRS lien was satisfied.

The good news is that although owing back taxes can make buying a home more complicated, it does not prevent you from buying a home. First step is to contact your lender and explain the situation. There are many reasons people owe back taxes that do not make them a credit risk. You may be able to either pay off the taxes or arrange a payment plan with the IRS that will allow you to finance a new home. There are options, but being honest with your lender is the first step so you understand your options.

Posted in Real Estate & Financial News that Affect your Home
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Jan. 6, 2023

Get Ready for 2023: 5 Home Decor Trends to Look Out For

Are you looking for ways to spruce up your home? If so, you’ll want to keep an eye on the latest home decor trends. We’ve done the research and rounded up five of the biggest trends for 2023 so you can get a head start on transforming your living space. Keep reading to find out what trends are popping up all over the place in just a few short months! 

Bright Colors

Bright colors are expected to be a key trend in home decor this year, with homeowners choosing bold, vibrant hues to make a statement in their living rooms and other spaces. If you want to add some color to your home but are unsure where to start, consider incorporating colorful furniture or painting a feature wall. Bold colors can make a space feel energetic and lively, and can also be used to draw attention to a particular area or feature. Don't be afraid to go big with color – whether you choose a single, eye-catching shade or mix and match several hues, bright colors are sure to make an impact.

Natural Materials

Incorporating natural materials like wood, stone, and clay is also expected to be a popular trend in home decor this year. These materials can add texture and depth to a space, and can bring a natural, outdoor feel to your home. For example, a stone fireplace or a wood beam ceiling can add warmth and character to a living room, while a clay backsplash or stone countertops can add interest to a kitchen. Natural materials can also be used in more subtle ways, such as through the use of natural fiber rugs or woven baskets.

Sustainable Design

Sustainable design is another trend that is expected to be important in 2023, as environmental awareness continues to grow. This could involve using furniture made from recycled materials or sourced from green energy sources, as well as incorporating energy-efficient features into the home. For example, you might choose furniture made from reclaimed wood or opt for a sofa with a low-VOC foam filling. Alternatively, you might invest in solar panels or energy-efficient appliances to reduce your carbon footprint. Sustainable design not only helps the environment, but it can also be cost-effective in the long run.

Modular Furniture

Modular furniture is another trend that is expected to be popular, especially for those who want to make the most of their small spaces. This type of furniture is designed to be easily rearranged or moved around as needed, making it a versatile choice for any home. Modular furniture can come in many forms, including multifunctional shelving, stackable chairs, and modular sofas. It can be a great way to add style to a space without taking up too much room, and can be especially useful in apartments or other small living spaces.

Artisanal Pieces

Artisanal pieces, or one-of-a-kind items that are crafted with care and attention to detail, are also expected to be popular in 2023 home decor. These pieces can add character and life to any room and can be a great investment for your home. Artisanal pieces can range from hand-woven rugs and hand-painted ceramics to bespoke furniture and handcrafted jewelry. These pieces often have a story to tell, whether through their materials, techniques, or cultural influences, and can bring a unique and personal touch to your home. Investing in artisanal pieces can be a way to support local artisans and craftspeople, as well as add character and interest to your home.

Home decor trends come and go but these five are sure to stand the test of time—at least until 2024! So if you’re looking to update your living space this year, look no further than these five trends that are sure to make waves in 2023! Take some time out of your day today and start browsing for pieces that fit each of these categories; before long you'll have created a gorgeous new home that's sure to turn heads every time someone visits!  Good luck!
Posted in Happy Home
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Jan. 6, 2023

Press Release Real Estate Collaboration Divorce


Press Release

 

Press Release RCS-D  2023

 

Press Release Authors Linda Robben RCS-D™ and Kelly Lise Murray, J.D., co-founder of DivorceThisHouse.com™ and the official RCS-D™ Designation Course.

Industry: Real Estate

 

Headline: Keep the House for all the Right Reasons – By Preventing Permanent Mistakes in Divorce/Elder Family Mediation

 

The family home is usually the most significant asset in divorce and elder mediation, often with significant debt. However, appraisal minus mortgage does NOT equal actual equity. This incomplete equation leaves your house over-valued and that works against you in family mediation for divorce and elder matters.

 

Don’t settle for a bad property settlement. In addition to the inaccurate and unfair division of your property, you risk damaged credit, default, foreclosure or even bankruptcy.

 

Remember all those documents you signed when you bought the house?

Most are missing when mediating that same house.

We provide free help to gather the house documents you need to make an informed decision regarding actual equity and whether to keep the house.

 

To keep your house for all the right reasons, you need a real estate agent specializing in divorce as an RCS-D TM designee.

 

Linda Robben, with Keller Williams Realty St. Louis  has completed course work to earn the RCS-D TM designation as a Real Estate Collaboration Specialist – Divorce™.  

Linda states, An RCS-D™ REALTOR® , is professionally trained to neutralize divorce real estate as a business transaction in the best interest of the house – and each divorcing spouse. Leading your divorce real estate team, Linda also serves as project manager working with you and your lawyers and can refer real estate and financial professionals specializing in divorce to assist with gathering house-related documents and scheduling consultations, most of which are free.

The RCS-D™ professional program was written and taught by Kelly Lise Murray, J.D. & Wendy Waselle. Professor Murray earned her J.D. cum laude from Harvard Law School & is an Instructor in Law at Vanderbilt Law School. Co-Instructor Wendy Waselle has a Master’s Degree in Education & developed the RCS-D™ marketing system.

You may contact Linda Robben@ 314-265-2444 or Golfgal.lr@gmail.com to discuss how you can protect one of your most valuable financial assets during the stressful time of divorce. Whether your divorce is completed, just beginning or somewhere in between,  Linda can help you determine your best options now for a stronger financial future.

Posted in Real Estate & Financial News that Affect your Home
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