I am always trying to improve service to my clients and believe that being an informed buyer creates less stress and anxiety for all parties involved in the real estate transaction.  Whether you are a seasoned buyer or this is your first home, a buyer consultation can assist you in making your purchase a more pleasant experience. 

  If you or someone you know is thinking about buying a home contact me for your personalized buyer consultation.

Denise

(314) 607-7221

dtower@cbgundaker.com

  In order to serve all of my clients efficiently and insure both buyers and sellers get the attention they deserve two more members have been added to my team.  Three generations of my family will now be available to assist you with all aspects of the buying and selling process. 

   Dana Johnson, my mother, has been a licensed Realtor for over 20 years and brings with her a wealth of negotiating skills and a great eye for details.  She has a great understanding of the unique issues facing seniors and their families.

    Dyane Tower, my daughter, has been licensed as a Realtor since 2003.  Her organizational skills help keep everything running smoothly.

     I have been establishing relationships with buyers and sellers for six years and enjoy working with all of my clients individually.  I am consistently a top producer in the Corporate Center Sales Office and look forward to working with you and your family.

Denise

   If you are considering buying or selling a home it is important to know the market in Your Neighborhood.  The market in the St. Louis area has picked up recently. While interest rates are still low, many lenders are taking a closer look at the types of homes they are investing in and are being more aggressive in potential foreclosure situations.

   We have experienced a seller's market for an extended period of time in this area and many homeowners are still expecting to get the price they want for their home in a short period of time.  Some sellers have even expressed concern that they haven't received multiple offers on their homes in a matter of days.  The buying frenzy of a few years ago has subsided and unless your home is the best deal in the most desirable neighborhood, don't expect multiple showings in a day, much less multiple offers.  As always, homes that are priced realistically for The Neighborhood and are marketed effectively will still sell in a reasonable amount of time.  Reasonable is defined in weeks and sometimes months instead of days.

   While interest rates have risen a little bit recently there are still plenty of good deals out there.  Even though homes are staying on the market longer than before don't wait around for a price reduction when you find the home of your dreams. As a buyer you need to listen to the advice of your Realtor® when it comes to making an offer.

   Buying and selling a home can be overwhelming undertakings.  If you would like more information on market activity in Your Neighborhood, contact me any time.  

Denise

(314) 607-7221

dtower@cbgundaker.com

   Condo values throughout the area continue to increase at a more rapid rate than single family homes.  There are many reasons for this, active lifestyles ranking among the top.  Condominiums can be as simple or elegant as you need, and range from 800 to 5,000 square feet.

   If you are thinking about selling your condo, you may be surprised at its value.   Many communities have sign rules that do not allow For Sale signs or directional arrows, presenting unique challenges for both buyers and sellers.  Some condominium developments are in such high demand the units sell immediately upon listing. 

   For the inside scoop or to be placed in the loop, when looking for a condo or wanting to sell, give me a call or send me an email.

Denise

dtower@cbgundaker.com

(314) 607-7221  

The first and most important part of your home search is getting pre-approved for a mortgage.  Once you know how much house you can afford and have a pre-approval letter from a reputable lender you will be in a strong position to purchase a home.  Getting pre-approved takes a little time and requires the disclosure of personal information.  Always contact more than one lender for rates and information about loan programs.  In addition to CBMortgage I recommend contacting your local bank or credit union.  My status as a Coldwell Banker Mortgage Premier agent provides you with fast, personalized service when using my personal toll free number (877) 680-1767.  Stated income, FHA,VA, investment and traditional loans are available at competitive rates.

Standardized home affordability calculators can give you a rough idea of how much house you can buy.  Sometimes first time and move up home buyers are amazed at how little house they can afford when using these tools.  While these tools are useful as guidelines, always check with a lender before going house hunting, there are literally hundreds of loan programs available to buyers with all types of credit and financing needs.  There are special low interest and interest only loans available for investment as well as primary residences, many require no PMI and can be used to finance 100% (or more) of the purchase price.  I can also refer you to lenders who specialize in alternative financing for primary residences, vacation homes and all types of investment property. For more information, contact me at dtower@cbgundaker.com or by phone (314) 607-7221.