Thursday, January 19, 2017

A Seller's To-Do List

There are a  lot of things a person has to remember when selling a Lake of the Ozarks home. Whether this is your first time selling, or you're a pro - it's still a lot of work and nobody knows this more than the Gattermeir Davidson team. We specialize in selling Lake of the Ozarks Home, but there are still several things you need to do in order to get the results you want. Here is a to-do list to help keep you on track as you prepare to put your home on the market.

Objectively Evaluate Every Room

It's time to get serious about your home, and everything that you have in it. Since you'll be preparing to move by packing and reorganizing, it's time to declutter and take each room at a time. Use these tips to look at your home through fresh eyes.

The Whole House

It's time to start dusting, and we mean everything. Walls, blinds, ceilings, baseboards, windows, A/C intake vents, and ceilings fans - nothing should go uncleaned.

These items should be cleaned and replaced as needed:

  • Light switch covers
  • Fireplace
  • Light bulbs
  • Front door
  • Carpets
  • Blinds
  • Doors and door knobs
  • Interior & exterior paint
  • AC/Heater vents

Are you ready to make your home inviting? Rearrange the furniture to maximize the floor space. Take some time to pack up all of the knick-knacks and figurines you have. Do you have houseplants? Prune and nurture them. If you have furniture you can live without, remove it to make it look like you have more space. Clear out your bookshelves by only keeping a few of the decorative books, and pack away family photos to de-personalize the home. Reduce wall art to just a few items per room, and add lamps to any dark spaces to brighten them up.

The Living Room

  • Use pillows and throws to soften up the area.
  • Store all toys out of sight.
  • Do you have ashtrays in your home? Remove all sight of them.
  • Remove unnecessary furniture.
  • Clear off the coffee tables.

The Dining Room

  • Do you have extra chairs from the table? Find a new place to store them.
  • The table should seat 4 to 6 chairs max.
  • Remove extra leaves from the table.
  • Clear off the dining room table and only leave one centerpiece.
  • If you have a chandelier, it should be a minimum of 60" from the floor.

The Kitchen

  • Clear the items from your countertops.
  • Clean the tile grout and bleach it if necessary.
  • Deep clean your stove, oven, and microwave.
  • Take all magnets, pictures, and messages off of the refrigerator.
  • Do you have broken or loose corners on the Formica countertops? Take time to repair them.
  • Replace the burner pans on the stove if they are dirty and cover with aluminum foil if you'll still be using them.
  • Keep all cleaning supplies like mops, brooms, and vacuums put away.
  • If you have a showing coming up, empty the trashcans
  • Remove all pet food and water dishes before showings.
  • Organize your pantry so it looks like there is plenty of space.
  • If you can live without certain dishes and cooking supplies - box them up.
  • Scrub and polish your sink to make it shine like new.

The Bedrooms

  • Make the beds daily.
  • If your bedspreads are getting old, invest in some new ones.
  • Clear off the bedside tables and dressers.
  • Store the daily necessities in drawers.
  • Organize your closets, and only keep what you have to have in them. Don't forget to keep the doors closed!
  • Keep the floors clear and vacuum them regularly.
  • Only keep tasteful pieces of art in the rooms and remove everything else.
  • If you have holes in the wall, repair and repaint them.

The Laundry

  • Put the soap and supplies in the cupboards.
  • Keep all surfaces clean and empty.
  • Use high watt bulbs to make it look brighter.
  • Remove ALL clothing, clean or dirty.
  • Keep the floors cleared of clutter.

The Bathroom

  • Clear and clean all surfaces.
  • Display a bottle of hand soap on the sink - make sure it smells nice and clean, but not overpowering.
  • Do you need new towels? This is a great time to get them.
  • Coordinate all of your linens in one or two colors.
  • Fold towels in thirds on the towel rack.
  • Remove all unnecessary items out of the shower stalls and tubs.
  • Clean or replace your shower curtains.
  • If you have ANY moldy areas of your tub, scrub them clean. This can easily scare off a buyer.
  • Replace the caulking to make it look new.
  • Hide garbage and close toilet lids.

The Exterior

  • Look at your home from your neighbor's yard with a critical eye.
  • Clean or repaint the front door if necessary.
  • Does your home need new paint? This is a good time to accomplish this task.
  • Replace all rotten wood on the exterior.
  • Sweep and pressure wash walkways, patios, porches, decks and dirty or stained concrete.
  • Wash windows, inside and out.
  • Use outdoor furniture to show off outdoor spaces.

The Garage

  • Clean and sweet the garage.
  • Keep storage nice and tidy.
  • Repaint dirty areas.
  • Pack everything you can live without.

The Yard

  • Prune bushes and plants.
  • Don't allow anything to block the windows.
  • Weed all planting areas.
  • Put down fresh mulch.
  • Keep your lawn mowed, and hire a maintenance service if necessary.
  • Remove any dead plants
  • Add some flowers for a splash of color if you need to.

Selling Your Home FAST!

While you can never guarantee how long a home will be on the market, you can take a few necessary steps to make it go faster. At Gattermeir Davidson, our goal is to help you sell your home as quickly as possible, and we can help recommend ideas to bring your home up to speed. Visit our website to learn more about our home selling services and get started today!

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2011 REALTOR Salesperson of the Year
Missouri Association of Realtors

Gattermeir Davidson Real Estate, LLC
752 Bagnell Dam Blvd., Suite A
Lake Ozark, MO 65049

Office | 573.365.1555
Fax | 573.365.1766


Tuesday, January 10, 2017

Steps For Finding the Best Mortgage Lender

Buying a home can be a big step in your life, and for many home buyers, it's also a long-term monetary commitment. Because of this, you'll be working with a mortgage lender for as many as 30 years, if not more, and you'll want to find someone who you can trust. When you're ready to find the best real estate at the Lake of the Ozarks, you hire the best real estate agents at the Lake of the Ozarks - but you need a strong team, so you need to find the best mortgage lender as well.

Get Your Credit Score In Shape

While it has become a lot easier for buyers to find a lender to help them buy their home than it has in the past, there are still ma individuals who are not qualified to be approved. Having a low credit score can label you as risky, which could make it harder for you to get financing. You can shape up your credit by first looking over your credit score and making sure there aren't any errors or mistakes that could be harming your score. After that, you could start paying off some debt that has the highest interest rate to lower your overall debt to income ratio. These are all things you should discuss with your lender or even a financial advisor because any change in your account can make a huge impact.

Know Who You Can Borrow From

There are many different types of lenders you can borrow from, and in order to know what's best for your situation, you need to know what's available. Here are are a few of the different types of lenders you could choose from:

  • Credit Unions - These are member-owned financial institutions and the often offer favorable interest rates to shareholders.
  • Mortgage Bankers - Bankers who work for a specific financial institution and package loans for consideration by the bank's underwriters.
  • Correspondent Lenders - These lenders are often local mortgage loan companies that have the resources to make your loan, but count on a pipeline of other lenders to sell your loan.
  • Savings and Loans - This is a smaller financial institution, and they are often very community-oriented and worth seeking out.
  • Mutual Savings Banks - This is a type of thrift institution, like savings and loans, mutual savings banks are locally focused and often competitive.

Compare Rates

There can be a lot of homework involved in this part, but it's important that you do your research and stay patient. With all of the lenders and banks, you have many options to choose from.

You can search for mortgage rates online to start, but keep in mind that the rate quote you see online is a starting point. Once you have several quotes in hand, compare the costs and decide which on makes the most financial sense for you.

Ask the Right Questions

When you choose a lender or broker, you can start by asking them the right questions. Here are a few important questions you can ask your lender:

  • What is the best way to communicate with you - email, text, phone calls, or in person? How quickly do you respond?
  • Do you have an estimated turn around time on your preapproval, appraisal, and closing?
  • What fees will I be responsible for as the lender at closing?
  • Do you waive these fees or will be rolled into my mortgage?
  • What are your down payment requirements?

Buying a Lake of the Ozarks Home

Now that you know what steps you should take to get your mortgage secured, it's time to find your dream home. We have many different types of homes available on the market right now, from luxury lake homes, comfortable family homes in town, and quaint vacation homes when you need a second home. Visit our website to learn more about what we have available, how we can help you find your home and even a few recommended mortgage lenders in the area!

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2011 REALTOR Salesperson of the Year
Missouri Association of Realtors

Gattermeir Davidson Real Estate, LLC
752 Bagnell Dam Blvd., Suite A
Lake Ozark, MO 65049

Office | 573.365.1555
Fax | 573.365.1766

Wednesday, January 4, 2017

8 Things You Shouldn't Do When Buying a Home

While there are many things you SHOULD do when buying a home at the Lake of the Ozarks (like hiring the best real estate agents at the Lake of the Ozarks!) there are still many things that you shouldn't do. Just because you've been pre-approved doesn't mean that you are on the home stretch and can relax with your credit, bill paying and more. Here are a few things you should NOT do while trying to buy your home.

DON'T Apply for a New Credit Card

If you're buying your home via a mortgage you have to remember that your credit is what your home purchase rests on. Because of this, applying for a new credit card can be devastating to your home purchase. It's important to wait to apply for a new card until after you have the keys and everything is said and done.

DON'T Buy a New Car

Unless you're buying a car that you want to live in, you should wait to buy the car until your home purchase is finalized.

DON'T Furnish the Home Before You Own It

While people may tell you not to count your chickens before they hatch, this can be the case when buying your home. We will do our best to make sure you get the home of your dreams, but there can be many unexpected things come up through the process. Wait to buy that new living room set and big screen TV until after you close on your home.

DON'T Change Jobs

We realize that things happen, and it can't always be avoided, but if you can stay at your current position until after the home is purchased, it's best. Changing jobs can make you look unstable, even if you are being promoted to better pay - so try to wait until everything is finished.

DON'T Get Behind on Payments

From credit cards to vehicle loans, don't get behind on the monthly payments - even if just for the sake of your mortgage. Though we can't recommend getting behind on your payments ever, doing it while trying to buy a home could mean you have to kiss your home goodbye.

DON'T Close Any Credit Accounts

While you may think that you look more responsible for closing accounts and paying things off, that works against your efforts. Every line of credit that you have, if paid on time, can help to boost your credit. When you close those accounts it can cause your credit score to plummet, which is obviously bad for your home buying possibilities

DON'T Spend Your Savings

While having money in the bank can help you look more stable to a loan officer, you also have to remember that you'll want to have money for your down payment as well as closing costs, and even unexpected costs.

DON'T Move Money Without a Paper Trail

The home buying process is a delicate situation, because of this you'll want to be able to verify every big purchase and even transactions to make sure you really have enough money.

Buying Real Estate at the Lake of the Ozarks

Whether you're buying a first home, vacation home, condo, or luxury Lake home - we can help. Our agents are all experienced in not only real estate but the Lake area. You want to be able to count on your agent to help you find the best home for you based off of your lifestyle, income, and more. We can do that. Visit our website to learn more about our buying and selling process, as well as see what homes we have available.

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2011 REALTOR Salesperson of the Year
Missouri Association of Realtors

Gattermeir Davidson Real Estate, LLC
752 Bagnell Dam Blvd., Suite A
Lake Ozark, MO 65049

Office | 573.365.1555
Fax | 573.365.1766

Thursday, December 29, 2016

Keeping Your Home Secure

After the lengths you've gone to when purchasing your home, don't you think it's important to protect it? While the Lake of the Ozarks is a relatively safe area, you can never be too careful when protecting your family and your home. At Gattermeir Davidson, we realize how important it is to know what your options are for protecting your home, so we're going to provide you some basic information on home safety and security.

Securing Your Home

By creating multiple layers of defense, you are eliminating the chance that an intruder would be interested in targeting your home. Take some time to add security to your home, and look at your home through an intruder's eyes.

1. Garage Security
Do you have windows on your garage door? These can give burglars the upper hand, not only because they can see if you're home, but because they can also see what you have in your garage. Many homeowners use their garage as storage for the items they don't have room for in their home. At the very least, the garage is storage for expensive tools and equipment. If you have windows on your garage door, you can frost or cover them for added safety.

2. Home Security Signs
It may seem like a small gesture, but placing the home security signs around your home can deter the criminals before they even get started. If they know your home is being monitored against crime 24 hours a day 7 days a week, they may be less likely to break in.

3. Tough Glass
If you want to make an upgrade to your home that not only can improve the value, but also the security, consider investing in superior doors and windows. They aren't as easy to break through and are even equipped with glass sensors that can notify you when the windows are broken into.

4. Security Lights
Bad deeds are generally done in the shadows, so by lighting up the areas around your home you are reducing the ability for someone to break in without being observed.

5. Shrubbery
The landscaping you choose can either hinder or help your efforts in security. If you maintain it so that it's tall enough to create a barrier, but low enough that an intruder can't hide you'll find the sweet spot.

6. Alarm System
Studies have shown that criminals will avoid houses with professionally monitored alarm systems. Because of that, not only are the homes safer, but also the neighborhoods become a safer place.

The "DON'TS of Home Security

DON'T invite intruders by leaving the packaging materials of large items like televisions and computers on the curb. Wait to put them in the garbage until the day the trash is picked up.
DON'T leave spare keys around your home. Potted plants, doormats, and obvious locations are invitations to intruders. If you must leave your key out, pick an inconspicuous spot.
DON'T put your name on your mailbox. The internet makes it very easy to find your phone number with your name, and intruders can call to see when you're home.

How To Avoid Obvious Clues When You're Away

  • Try not to leave notes for service people or family members on your door while you're away.
  • When you're gone, turn down the ringer on your telephone so burglars won't hear that you aren't there to answer.
  • When you go on vacation, leave a trusted friend or neighbor in charge of your home. They can also collect the mail, water plants, and flick on and off a few lights to show activity around your home.
  • You can put lamps and radios on a timer so it looks like you're home, even when you're not.

Protecting Your Investment

Even though our area is very safe, you can still protect your home through a few easy practices. At Gattermeir Davidson, we help you find the home of your dreams - whether it's a luxurious, lakefront home, a second home at the Lake of the Ozarks, or even small fishing cabins to use as a getaway. Visit our website to learn more about our company and see some of the beautiful units we have available! Trust the best real estate agents at the Lake of the Ozarks for your dream home.

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2011 REALTOR Salesperson of the Year
Missouri Association of Realtors

Gattermeir Davidson Real Estate, LLC
752 Bagnell Dam Blvd., Suite A
Lake Ozark, MO 65049

Office | 573.365.1555
Fax | 573.365.1766


Monday, December 19, 2016

7 Reasons to Buy a Home in 2017

As the end of the year approaches, it's time to start thinking about your new year's resolutions. Some popular ones might include losing weight, reading more books, or even saving money. Have you ever thought about making your next resolution be to buy a house? 2017 could be your year for successfully finding the home of your dreams. Here are seven reasons you should consider buying a home at the Lake of the Ozarks in 2017.


Rent prices have been going up through 2016 and 2017 will be no different. When you make monthly payments every month, you are taking money that could have gone towards a house payment, and putting it in your landlords pocket. If you think about it this way, if you pay $1000 a month for ten years, that's $120,000, which is easily the price of a nice home. Wouldn't you rather put your money towards an investment that you can own?

Interest Rates

Have you paid any attention to the interest rates from 2016? They haven't just gone up but skyrocketed. If you secure your loan at a fixed interest rate before it goes up, you can guarantee that you don't suffer from the high-interest rates.

Build Your Equity

You have to start somewhere when building your equity, why not start with your home? Many millennials put their money towards nice cars, technology, and even clothes. None of these build equity, and they certainly don't gain value over time.

Stabilized Home Prices

While interest rates are going up, the home prices are stabilizing. This is great news if you're ready to buy your home. It's especially great news if you're looking for an investment property at the Lake of the Ozarks. Our team of real estate agents can help you find your dream home, whether it's your first, second, or even a vacation home!

Down Payments

This is a great time to buy a home because there are so many options for your downpayment. In years past, it was required to have a solid 20% down - but now you can get away with 3% if not 0% for some loans. This all depends on if you can qualify for the loan, and you'll need to work with your mortgage lender first, but the options are more flexible than in years past.

Mortgage Insurance

While this could seem like an intimidating and daunting thing - it's what provides you the ability to buy your home with a lower down payment. You can work with your lender to secure an insurance that works for everyone. You get to live in your home without being out of a lot of money, and your lender doesn't have to worry as much about getting their money.

Tax Breaks

There are many tax breaks available to a homeowner. From closing cost write-offs, mortgage interest, and more. This is something you should work through with your financial adviser, but if worked correctly could save you some money in the end.

Buying a Lake of the Ozarks Home

2017 is going to be a great year for you and your family! Whether you're relocating to the Lake of the Ozarks, or you're just upgrading to a new home in the area. You can count on the real estate agents at Gattermeir Davidson to help you find the home of your dreams and the price of your dreams.

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2011 REALTOR Salesperson of the Year
Missouri Association of Realtors

Gattermeir Davidson Real Estate, LLC
752 Bagnell Dam Blvd., Suite A
Lake Ozark, MO 65049

Office | 573.365.1555
Fax | 573.365.1766

Wednesday, December 14, 2016

4 Ways to Add Value To Your Home

Every home can be improved, even if a little at a time, to see the growth of the value of the home. Whether you've lived in your home for five months, or five years, you can make adjustments to the style, layout, landscaping and more, and find that your Lake of the Ozarks home is now worth more than it was before. At Gattermeir Davidson, we not only help you find the home of your dreams but also give you ideas for how to make it an even better place to live.

Whether you want to upgrade your home to sell or you want to upgrade for your own enjoyment, here are a few ways you can make a big difference in the appearance of your home. Hopefully, you can make a difference in the value, too!

Fix the Flooring

If there is one way to catch your buyer's attention, it's through the flooring that you have in your home. Not only can the flooring make or break your sale, it can affect the total value of your home. If you still have outdated linoleum or carpet, try updating it wither either a ceramic or luxury vinyl tile. If you really want to go all out, you can renovate with hardwood floors - these are always a great selling point.

Mind the Maintenance

If you've been postponing the maintenance of your home, now is the time to start. While you may not think this affects the value of your home, having too many unfinished projects and broken features can certainly deter buyers and bring the cost lower than you would want.

Let There Be Light

While adding new wiring to a home is a great way to catch a buyer's attention, you can simplify it by just adding new lighting. Sconces, recessed lights, new fixtures, or even just dimmer switch are all ways you can improve the value of your home with quick, easy steps.

Create Space and Spaces

First, you can add value to your home by removing walls to open things up. It may seem counter intuitive to get rid of a "room," but you are actually enhancing the space. Instead of having a living room and a kitchen separated by a wall with a door, you can potentially remove that wall and make one open area.

You can also help improve the value of your home by creating spaces. Instead of culminating the junk in one room, take some time and create it into a home office. Make the corner of the den a library or craft area. Or even better yet, create a fire pit in the backyard.

Improving Your Real Estate

One of the benefits of owning real estate is that with a little effort, it can actually go up in value. Compared to cars and other items that depreciate over time, you can actually improve the value of your home. Are you looking to upgrade to a new home or relocate to the Lake of the Ozarks? The team at Gattermeir Davidson can help. Our licensed real estate agents at the Lake of the Ozarks can help you buy or sell your next home, and make the process a breeze!

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2011 REALTOR Salesperson of the Year
Missouri Association of Realtors

Gattermeir Davidson Real Estate, LLC
752 Bagnell Dam Blvd., Suite A
Lake Ozark, MO 65049

Office | 573.365.1555
Fax | 573.365.1766

Monday, December 5, 2016

How to Create a Home Inventory List

Now that you've bought your new home at the Lake of the Ozarks, it's time to fill it with all of your valuables. Let's take a moment to imagine what would happen if those possessions of your disappeared. While we don't want to think of this happening, there is always the possibility. In 2015, there were 1,345,500 fires reported in the United States and over $14.3 million in damage and loss. This doesn't even include the countless robberies that happen every year. When something like this happens, you want your Lake of the Ozarks real estate to be protected, but also the items that were inside.

At Gattermeir Davidson, we realize that a home inventory list sounds like a daunting task, but with a few simple steps you can get a head start and have something to refer to. Because even a partial list is better than no list at all.

Document Your Belongings

There are multiple different ways to document the items that you own, and all of them seem intimidating. Start with a vague overview of the items in your home and go room by room. You can grab your phone and do a video walk through of each room, capturing the important details like makes and models, and get good shots of the big items. Open drawers, cabinets and closets to see what's in each place. You can also do the same by taking photos. At least you'll have video proof of the items you own.

Next, start making a physical list of the items. A good way to think about it, is if it's worth over a couple hundred dollars, write it down with detailed information about the make, model, serial numbers, and even a copy of the receipt. Most insurance companies will have a good idea about how much your valuables are worth, so you won't need to make a detailed list of your kitchen utensils or cleaning supplies. However, it's not a bad idea to list clothing in batches. Ten pairs of pants, twenty-five shirt, three dresses, one wedding dress, etc.

Don't forget to list:

  • Electronics (computers, cameras, phones, gaming devices, TVs, DVD players, surround sound, etc)
  • Power tools
  • Jewelry
  • Expensive appliances
  • Collectibles
  • Movies/CDs
  • Books
  • Furniture
  • Lawn mowers, ATVs, Go Karts, etc.
  • Guns and ammo
  • Hobby gear (fishing, hunting, camping, sewing, etc)
  • Artwork (be sure that this is covered under your insurance)

Fun Fact: Some insurance companies will cover the value of food in your freezer. This is especially important if you have stock piled food, or have a second freezer full of meat. Not all insurance covers this, though, so talk to your agent about the details. With hundreds of dollars of food stored up, you'll want to know.

Create a Back-Up

This list won't do you any good if you lose it, so create a back-up and protect it. If you choose to have physical copies, you can store them in your safety deposit box or give to a friend for safe keeping. If you have digital versions you can keep them in online storage, an external drive, or even email them to yourself and mark as important.

How Often Should You Update the List?

While an outdated list is better than no list at all, keep in mind that it's hard to remember the items you've lost after they are gone. You should update your list once a year at the least, or after every holiday/birthday where gifts are received or major purchases are made. Once you've created the list, it's easier to update it on a regular basis than wait several years and have to start again.

Also, if you are relocating to the Lake of the Ozarks, that is a perfect time to make a list. As you're packing up your home, you can make lists of jewelry, electronics, and items that you may have forgotten had value.

Sentimental Items

Unfortunately, sentimental items cannot always be replaced. Especially when we're talking about home videos, family photos, and mementos. If they are important to you, you can take some time to back them up in places where they are less likely to be stolen or damaged. You can back-up photos and videos on your phone or computer to external apps and programs, and if you have sentimental artwork from the kids, you can scan it and save it digitally.

Lake of the Ozarks Real Estate

While we don't want to think about tragedies happening to our home, they will be easier to cope with if you are prepared. No matter what your reason for needing a new home, at Gattermeir Davidson, we have the best real estate agents at the Lake of the Ozarks who are ready to find the home of your dreams. Visit our website to learn more about our services and properties!

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2011 REALTOR Salesperson of the Year
Missouri Association of Realtors

Gattermeir Davidson Real Estate, LLC
752 Bagnell Dam Blvd., Suite A
Lake Ozark, MO 65049

Office | 573.365.1555
Fax | 573.365.1766