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St. Louis Real Estate-Market Watch December 22nd, 2007
2007-12-22 22:56:00
St. Louis Real Estate Market Watch  December 22nd,  2007The Anatomy of St. Louis Real Estate The St. Louis Home for Sale Team provides a weekly St. Louis County and Bi-weekly St. Charles County Market and Jefferson County Market Watch Report to review and plug into your home buying or selling scenario. Your questions a nd comments are welcome!  ST. LOUIS REAL ESTATE ...
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St. Louis Real Estate - Mortgage News - Shell Game
2007-12-19 03:57:00
The News paper Game! by Chris Scheer, Branch Manager, Cornerstone Mortgage , O?Fallon, MO Have you ever looked in your local paper or looked in the Sunday Newspaper to get interest rates for mortgages?  After looking did you take the time to call some of the lenders?  What did you find?  I will be that 99% of the ...
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St. Louis Real Estate - Building Inspection - Anybody got a Quarter?
2007-12-18 01:03:00
LAUNDRY ROOM COMPONENTS by Harry Morrell, Allied Building Inspections I love hearing from young first time home buyers about how excited they are about finally getting out of that small rental apartment and having their own washer-dryer in their own laundry room. No more pumping those quarters into those old dirty public machines in the middle ...
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St. Louis Real Estate-Market Watch December 15, 2007
2007-12-15 20:48:00
St. Louis Real Estate Market Watch  December 15th,  2007The Anatomy of St. Louis Real Estate The St. Louis Home for Sale Team provides a weekly St. Louis County and Bi-weekly St. Charles County Market and Jefferson County Market Watch Report to review and plug into your home buying or selling scenario. Your questions a nd comments are welcome!  This week, buyers choices ...
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St. Louis Real Estate - Mortgage News - Bond Whiplash
2007-12-11 03:06:00
Follow the bouncing bond market! by Chris Scheer, Branch Manager, Cornerstone Mortgage , O?Fallon, MO For those that take the time to check this blog often, you will notice that over the last two weeks we have had the past two Mondays highlighted  by strong buying on the bond market which has driven the 30 year fixed ...
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St. Louis Real Estate-Market Watch December 8th, 2007
2007-12-08 19:53:00
St. Louis Real Estate Market Watch  December 8th,  2007The Anatomy of St. Louis Real Estate The St. Louis Home for Sale Team provides a weekly St. Louis County and Bi-weekly St. Charles County Market and Jefferson County Market Watch Report to review and plug into your home buying or selling scenario. Your questions a nd comments are welcome!  The St. Louis Real Estate Market this week continues to show typical seasonal trends of slowing with an increase of expired listings staying off the market, and a big drop in active listings.  The good news is that our pending ratio is holding between 12–13%.  This is a good indicator that the homes that are still on the market are attracting offers and accepting contracts.  The other good news is that if you are loan shopping now, you have an opportunity to get a fixed 30 year mortgage below 6%, if you qualify.  Check out our Mortgage Guru Chriss Scheer’s latest articles poste...

St. Louis Real Estate - Mortgage News - Ride the Rate
2007-12-05 03:20:00
Here we go again?  by Chris Scheer, Branch Manager, Cornerstone Mortgage , O’Fallon, MO Another hectic Monday on the bond market; today was not so much a flight to safety as it was Wall Street trying to paint the Fed into a corner and force them to lower interest rates.  See Jim Jubaks article about forcing the fed to act. Then you have the proposal by U.S. Treasury’s Henry Paulson to help put a freeze on the rate changes for millions of American’s facing rate hikes on their adjustable rate mortgages. Any time someone mentions the challenges facing homeowners and their ability to handle their mortgage payments Wall Street jumps on that as the reason why the Fed needs to step in. What am I missing here?  Who created this mess?  Wasn’t it Wall Street that took all these high risk loans and split them up into various mortgage backed securities and promised great returns with little risk? So now Wall Street is trying to force the Fed into saving them by lowering short term ra...
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St. Louis Real Estate - Mortgage News - Them Changes
2007-12-02 23:01:00
More Changes Coming! by Chris Scheer, Branch Manager, Cornerstone Mortgage , O?Fallon, MO The days of asking a loan officer what his interest rate is are going to end.  Now the question will be what it should have been all along, what is your credit score, how much are you borrowing and at what loan to value.  Both ...
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St. Louis Real Estate-Just Do It-NOW!
2007-12-01 21:10:00
St. Louis Real Estate Market Watch November 24th,  2007The Anatomy of St. Louis Real Estate The St. Louis Home for Sale Team provides a weekly St. Louis County and Bi-weekly St. Charles County Market and Jefferson County Market Watch Report to review and plug into your home buying or selling scenario. Your questions a nd comments are welcome!  HEY BUYERS!! How much ...
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St. Louis Real Estate - Mortgage News - Lock it and Pocket the Money
2007-12-01 20:07:00
Flight to Safety? by Chris Scheer, Branch Manager, Cornerstone Mortgage , O?Fallon, MO What a 24 hour period on the bond for the mortgage backed securities.  Several Days ago the bond market was whipsawed by the statements made by Senator Schumer.  During the next 3 hours interest rates on the 30 year fixed fell to 6% and depending upon ...
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St. Louis Real Estate - Mortgage News - Blame Game
2007-11-29 04:06:00
Are we done with the blame game? I continue to read stories in newspapers and on line about who is to blame for the mortgage mess.  The latest is posted here; Who’s to blame for the Mortgage Mess . At this point does it really matter who is to blame.  As with the past financial challenges that this ...
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St. Louis Real Estate-Market Watch November 24, 2007
2007-11-24 20:17:00
St. Louis Real Estate Market Watch  November 24th,  2007The Anatomy of St. Louis Real Estate The St. Louis Home for Sale Team provides a weekly St. Louis County and Bi-weekly St. Charles County Market and Jefferson County Market Watch Report to review and plug into your home buying or selling scenario. Your questions a nd comments are welcome!  The St. Louis Real ...
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St. Louis Real Estate-Market Watch November 17, 2007
2007-11-17 20:23:00
St. Louis Real Estate Market Watch  November 17th,  2007The Anatomy of St. Louis Real Estate The St. Louis Home for Sale Team provides a weekly St. Louis County and Bi-weekly St. Charles County Market and Jefferson County Market Watch Report to review and plug into your home buying or selling scenario. Your questions a nd comments are welcome!     Thinking of buying or ...
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St. Louis Real Estate - Off Topic - The Tomato Tribute
2007-11-15 02:52:00
WOW. . . what a trip, from green on the vine to a ribbon at the fair, the ?St. Louis Real Estate ? fair, no less. Our blogging experiment started sometime last January with a lot of research on the web that, fortunately for us, found it?s way to a blogging zealot named Jim Cronin at the ?Real ...
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St. Louis Real Estate - Building Inspection - Grading and Drainage
2007-11-14 01:38:00
GRADING AND DRAINAGE by Harry Morrell, Allied Building Inspections A big part of the foundation and structure inspection involves getting a real close look at the grading and drainage on the site that the house was built on. Home inspectors will have all their red flags up when they drive up to a house below street ...
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St. Louis Real Estate - Mortgage News - Wise Up
2007-11-12 21:25:00
I had the chance to get my shoes shined last week and found more wisdom in the person shining my shoes than I do in most people I meet on a daily basis.  Life has been hard to him but he also has finally learned from his mistakes.  He says it took him the opportunity ...
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St. Louis Real Estate-Market Watch November 10, 2007
2007-11-10 19:27:00
St. Louis Real Estate Market Watch  November 10th,  2007The Anatomy of St. Louis Real Estate The St. Louis Home for Sale Team provides a weekly St. Louis County and Bi-weekly St. Charles County Market and Jefferson County Market Watch Report to review and plug into your home buying or selling scenario. Your questions a nd comments are welcome!  The St. Louis Real ...
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St. Louis Real Estate-Market Watch November 2, 2007
2007-11-04 01:54:00
St. Louis Real Estate Market Watch  November 2nd,  2007The Anatomy of St. Louis Real Estate The St. Louis Home for Sale Team provides a weekly St. Louis County and Bi-weekly St. Charles County Market and Jefferson County Market Watch Report to review and plug into your home buying or selling scenario. Your questions a nd comments are welcome!  The St. Louis Real ...
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St. Louis Real Estate - Mortgage News - Rate Cut
2007-10-31 20:23:00
Fed Rate Cut!  Mortgage Rates Rise!! As expected the Federal Reserve lowered short term interest rates today.  For the news story please click here.   So why are interest rates rising?  If you have paid any attention to my previous writings you will understand that the Bond Traders make moves prior to a Fed announcement to position ...
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St. Louis Real Estate - Off Topic - OMG!
2007-10-31 01:57:00
  WE’VE BEEN RANKED! Thanks to our readers, guest editors, and the TOMATO. Tags: Google+Page+Rank Add To:
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St. Louis Real Estate - Mortgage News - Downpayment Assistance
2007-10-31 00:58:00
Downpayment Assistance Rule: For the past few years, FHA has allowed charitable non-interested parties to supply the down payment to a borrower on FHA loans.  Unfortunately, this practice caused housing prices to be inflated as the seller would raise their price and then contribute the increase to the charity as a donation.  The charity would then ...
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St. Louis Real Estate - Mortgage News - Get on It
2007-10-29 01:58:00
  Lock Now! by Chris Scheer, Branch Manager, Cornerstone Mortgage , O?Fallon, MO Over the last week we have seen interest rates for fixed rate mortgages drop between .25% and .375%.  Why is this you ask?  Wall Street is taking positions based on what they think the Federal Reserve will do with short term interest rates.  For those ...
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St. Louis Real Estate - Mortgage News - Time is Money
2007-10-29 01:30:00
Guess What?  You Can?t Afford to Wait! by Chris Scheer, Branch Manager, Cornerstone Mortgage, O?Fallon, MO  If you had a crystal ball and could see what direction interest rates and house prices where going you wouldn?t be reading this blog.  Now that you have had a chance to think about that and agree with me on ...
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St. Louis Real Estate - Building Inspections - Fireplace
2007-10-29 00:49:00
FIREPLACE INSPECTIONS by Harry Morrell, Allied Building Inspections Cooler weather is nearing and home buyers will want to be sure that the fireplace and all its components are intact and operating properly. Fireplaces and their components are a big part of real estate transaction inspections and should be included in your inspection report when buying your ...
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St. Louis Real Estate-Market Watch October 27, 2007
2007-10-28 02:03:00
St. Louis Real Estate Market Watch  October 27th,  2007The Anatomy of St. Louis Real Estate The St. Louis Home for Sale Team provides a weekly St. Louis County and Bi-weekly St. Charles County Market and Jefferson County Market Watch Report to review and plug into your home buying or selling scenario. Your questions a nd comments are welcome!  The St. Louis Real ...
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St. Louis Real Estate-Market Watch Report October 20, 2007
2007-10-20 21:18:00
St. Louis Real Estate Market Watch  October 20th,  2007The Anatomy of St. Louis Real Estate The St. Louis Home for Sale Team provides a weekly St. Louis County and Bi-weekly St. Charles County Market and Jefferson County Market Watch Report to review and plug into your home buying or selling scenario. Your questions a nd comments are welcome!   Our St. Louis Real Estate Market seems to have stabilized itself over the last several weeks. This week we are actually seeing the pending ratio increasing slightly again, with additional listings and additional homes accepting contracts. Even the average listing and selling prices are inching a bit higher. The movement isn’t anything to get excited about yet, but at least it’s in the positive direction.  On the negative side, our days on market averages are remaining in triple digits and our average month’s of inventory still says we are definitely in a strong buyer’s market...

St. Louis Real Estate - Mortgage News - Jumbo Loans
2007-10-18 01:45:00
Where did you go Jumbo? by Chris Scheer, Branch Manager, Cornerstone Mortgage , O?Fallon Missouri I was on the phone with a past client last night that is building a $1,300,000 house and will need a loan for $800,000.  When she asked about the rate on the 15 year fixed rate mortgage I tried to prepare her ...
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St. Louis Real Estate-Steady As She Goes..
2007-10-13 19:33:00
St. Louis Real Estate Market Watch October 13th,  2007The Anatomy of St. Louis Real Estate The St. Louis Home for Sale Team provides a weekly St. Louis County and Bi-weekly St. Charles County Market and Jefferson County Market Watch Report to review and plug into your home buying or selling scenario. Your questions a nd comments are welcome!  Over the last several ...
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St. Louis Real Estate - Home Staging - Top Ten Tips
2007-10-10 03:20:00
TOP TEN STAGING TIPS TO HELP YOU SELL YOUR HOME FAST! By Interior Designer and home staging expert- Natalie Pinson #10 CURB ENTHUSIASM - If your home doesn?t have curb appeal, buyers won?t want to go inside!  Trim square bushes (these look too dated!) and create a more organic, flowing shape.  Landscaping should be soft and ...
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St. Louis Real Estate - Mortgage News - Money, Money, Money, Money
2007-10-09 04:18:00
New Money Available! by Chris Scheer, Branch Manager, Cornerstone Mortgage , O?Fallon, Missouri The Missouri Housing Development Commission opened the registration window for First Time Home Buyers on Thursday with its fifth bond issue of the year. What does this mean for you?  If you have not owned a home for the last 3 years and if you ...
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