I want to express a huge THANK YOU for all of your referrals this year. It is because of your support and confidence in my knowledge and abilities that I am one of the Corporate Center Sales Team Top 10 agents for 2008. Despite the prediction of experts, this past year was very productive and I was able to assist many families in the buying and selling of their homes. I am excited about 2009 and look forward to helping you, your family and friends find a new home. Interest rates are great, prices are reasonable and new home builders are offering lots of incentives. Whether you are looking for a starter home, moving up, or right sizing I would appreciate the opportunity to help you. I pride myself on my customer service and knowledge of the St. Louis metropolitan area including Jefferson and St. Charles counties. Your recommendations have resulted in my receiving the St. Louis Magazine Five Star Award for Customer Service. I sell homes in all neighborhoods and price ranges, including foreclosures and new construction and can give you the scoop about any neighborhood in which you may be interested. If you or anyone you know are considering a move please don't hesitate to contact me. No matter where you are, I am YOUR NEIGHBORHOOD REALTOR®. Denise (314) 607-7221 |
Standardized home affordability calculators can give you a rough idea of how much house you can buy but they should only be used as a guideline when doing your preliminary searching. To get a better idea of how much house you can afford you should contact a reputable lender for a pre-approval so that you can begin shopping for a home with a clear idea of how much money you will be spending on your mortgage. While the recent credit crunch has created some tighter restrictions on lending, you do not need to have perfect credit or a big downpayment in order to qualify for a loan. I work with many lenders and can refer you to one that will be able to assist you with qualifying for a loan or give you advice on how to qualify in the near future. Remember, all sellers are going to request a valid pre-approval from a reputable lender before considering an offer to purchase their home. To receive your pre-approval visit www.coldwellbanker.com or call my personal toll free number (877) 690-1767. Once you have your pre-approval, contact me at dtower@cbgundaker.com or by phone (314) 607-7221 and I will help you find your new home. | |
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Schools are an important factor in deciding where to live. Even people without children consider the impact of school districts on the potential resale value of their home. The St. Louis area is fortunate to have several top performing school districts. Whether selecting public, private, or parochial schools it is important to take the time to visit websites, tour the school and talk with administrators. If you don't know the name of the school district in which your potential home is located, please contact me and I will assist you in locating the information. dtower@cbgundaker.com http://dese.mo.gov www.independentschools.org |
Things To Do
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The St. Louis area has much to offer, find out what's happening around town and in the Neighborhood!
Your Neighborhood Realtor®
Denise
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I have designed this information to be useful to both buyers and sellers. There are currently ten articles in my collection with new titles coming soon. To receive any, or all of these articles contact me at dtower@cbgundaker.com Appraisals Financing Seller's Disclosure Inspections Buying a Home Brokerage Fees Discount Brokers Curb Appeal Selling Your Home For Sale By Owner Tips |
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Welcome to Home Highlights
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Welcome to my web site and thanks for stopping by!  The purchase or sale of a home is a complex undertaking. Hiring a full time real estate professional will help you save time and money on your largest and most important financial transaction. As an experienced full time Realtor I possess a wide range of real estate experience from traditional home sale transactions to the more complicated issues of probate, estates, divorce, short sales and foreclosure. As a member of the Coldwell Banker Gundaker Corporate Center Sales Office I have on site resources for mortgages, title issues, closing, and relocation services. While my specialty is selling homes throughout the St. Louis metropolitan area, I can help you buy or sell a home anywhere in the world! As a seller you can be assured I will market your home aggresively, and honestly advise you on market conditions as well as neighborhood competition. I will assist you in evaluating all of your options for the sale of your home. I provide all sellers with a no obligation market analysis and marketing plan to assist with your decision to sell. It is my goal to sell your home with as little inconvenience to you as possible. I enjoy working with buyers and use a variety of sources to locate the perfect home. If you are considering purchasing a home visit my "buying" page and register for a no obligation buyers consultation. I work with all types of buyers from first time to seasoned investors, seniors and those looking for a second home.
I invite you to contact me with any of your real estate needs and questions. I look forward to hearing from you soon!
Denise (314) 607-7221 dtower@cbgundaker.com |
Our Listings
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Now is the time to be looking for a home, many houses on the market right now have been available for awhile. The holiday season is typically slow and many sellers are more motivated after the first of the year. If you are thinking about purchasng a home, take advantage of the slower market and explore different neighborhoods. Once you know where you want to live and what is available it will be much easier to make a decision in a hot market.
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903 Motherhead Road
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410
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Saint Charles
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MLS®
$1,100,000
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3202 S Canal Way
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Orchard Farm
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New Town
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3
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5
4 Full, 1 Half
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MLS®
$459,900
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2,346 sq. ft.
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5369 Westwood
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Saint Charles
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MLS®
$400,000
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1862 Parr
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Fort Zumwalt
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St. Charles County
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3
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3
2 Full, 1 Half
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MLS®
$339,900
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2,748 sq. ft.
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238 Bellemeade Drive
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406
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Bellemeade
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3
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2
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MLS®
$329,900
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377 Bears Den Drive
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HH15-27
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Bear Creek
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4
Large Master Suite
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4
3 Full, 1 Half
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MLS®
$326,900
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3,200 sq. ft."Spacious"
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223 Madison Park
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412
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Madison Park
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3
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2
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MLS®
$300,000
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13 Glen Brook Circle
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416 - Wentzville Timberland
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Manors at Glenbrook
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4
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3
2 Full, 1 Half Bath
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MLS®
$294,900
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3,446 sq. ft.
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239 Charging Bear Dr.
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Wentzville-Holt
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Bear Creek
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4
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3
2 Full, 1 Half
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MLS®
$288,500
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3,186 sq. ft.
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64 Clydebank
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410
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Highlands
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4
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3
1 Ensuite, 1 Full, 1 Half
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MLS®
$284,900
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2,426 sq. ft.
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3070 Devilla Trail
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MARIS
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Devilla Trails
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4
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3
1 Ensuite . 2 Full
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MLS®
$279,900
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3,167 sq. ft."Finished Walk-Out Basement"
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69 Somerset Hills Ct.
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Francis Howell North
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Somerset Hills
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4
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3
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MLS®
$260,000
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2,344 sq. ft.
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233 Spring Borough
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Villages at Springhurst
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4
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3
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MLS®
$249,900
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2,519 sq. ft.
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66 Monceau Terrace
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Wentzville Holt
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Lake St. Louis
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4
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3
2 full 1 half bath
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MLS®
$249,900
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3,099 sq. ft.
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960 Tilestone
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Hyland Green
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3
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3
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$234,900
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Register here to see listings.
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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 |
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What did it sell for? The great informational column in the Journal is always interesting to read. We all want to know how our biggest investment is growing and home sales in our neighborhoods are the best way to keep track. There are several things to keep in mind when looking through this column; condition of the home, updates, age, and seller concessions. Some of these things you know because it was your neighbor's house, or you saw it at an Open House. Seller concessions for downpayment assistance and help with closing costs sometimes inflate the price of a house and are not part of the public record. As Your Neighborhood REALTOR®, I have access to this information and can give you the scoop on sales in your neighborhood. Just like you, I want our homes to be worth top dollar because I live here too!
If you have any questions about the market value of your home, give me a call or send an email to dtower@cbgundaker.com. I would love to give you the latest information regarding the value and marketability of your home.
Denise
(314)607-7221 |
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 or visit my buyer page and fill out the registration form. Denise (314) 607-7221 dtower@cbgundaker.com |
AS -IS HOME SALES
Many sellers consider selling their homes "as-is". This is a great way for first time buyers to purchase a home in an established neighborhood. There are several things buyers should consider when looking for, and purchasing these homes. I recommend working with a Realtor® for all transactions, our training and knowledge can help you avoid misunderstandings and possible legal difficulties.
1. Make sure your definition of "as-is" is the same as the sellers.
Some home owners want to sell without the hassle of inspections and repairs. Even if the owner is not willing to make repairs, you are still entitled to a private building inspection. The inspection can uncover repairs that may be beyond your finances or abilities.
2. Is the house really priced to be "as-is".
The price of the house should reflect the amount of work needed to bring it up to market condition.
3. Will your lender/loan program allow the purchase of a home that needs work?
There are too many loan programs to count these days, check with your lender about the specifics of your loan.
4. Do you have the funds available to fix the house?
Some loan programs allow for the cost of repairs, or allow seperate loans to cover those costs.
If you are a seller who wants to sell your home "as-is" and still get the most money out of your investment, email me at dtower@cbgundaker.com to receive information about investors, speculators and retail buyers.
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Investment & Distressed Property
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I have a large database of advertised and unadvertised investment properties in all areas and price ranges. I deal with HUD, VA, banks, and private investors who have all types of homes for sale. Whether you are a first time investor or a pro, I can help you with your purchase. If you would like an updated list of local bank owned properties register with the form below. I can also help if you find yourself facing foreclosure or need to sell your home “as-is”. I will assist you in selling your home quickly for the best price. All inquiries will be kept in the strictest confidence. Contact me with questions or for more information at dtower@cbgundaker.com
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Foreclosure Property Registration
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Please register below to receive an updated list of foreclosure properties. Let me know if you are looking for investment property or if you want a good deal on a home for your family!
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