St Louis Real Estate Exchange

This striking brick front elevation & landscaping create high curb appeal for this stunning Wildwood 1.5 Story home. The home features 4 bedrooms 3.5 bath plus BONUS room! 3 car side entry garage complete with drywall/paint & crown molding. Open floor plan with 9 ft ceilings, office, & huge separate dining room with trey ceiling. The stunning 2 story great room has built-in display cases,2 story fireplace, a wall of windows & wet bar. The kitchen boast 42"cabinets & plenty of counter space. Kitchen opens to a hearth room with stone fireplace & plenty of natural light. The huge master bedroom suite has a walk-in closet with organizers & master bath offers dual sinks, separate shower & jetted tub. 2nd floor has a 2nd bedroom suite & the 3rd and 4th bedrooms have a Jack & Jill bathroom. All bedrooms are very generous in size. Other features are inground sprinkler,central vac, partially finished LL, Main floor laundry, & private backyard. Too much to mention, Make your appointment today!

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This tastefully decorated 4 bedroom 4 bathroom home is move in ready! Upon entry you will notice the open floor plan w/ entry foyer and dining room. The family room, w/ gleaming hard wood floors, also has large windows allowing for tons of natural daylight. As you proceed to the eat-in kitchen you will immediately take notice to all of the upgrades including a beautiful backsplash that perfectly complements the granite counters, an abundance of cabinet space and some stainless steel appliances. Walk out to the beautiful large deck from the kitchen to enjoy your morning coffee. The main level also offers a half bath for your convenience. The 2nd floor is home to 4 bedrooms and 2 full baths including the master suite and master bath with double sinks. The lower level is finished w/ a large family/rec room, full bathroom, 5th bedroom and walk out to the spacious patio. The fenced in backyard is perfect for entertaining w/ an all brick wood burning fireplace. This home won't last long!

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Talk about MOVE IN READY! Pride of ownership shines throughout this 2 bed/1 bath ranch. As you enter the front door you'll be greeted with a large living/dining room with gleaming hardwood floors that lead you into the "bonus" family room complete with large brick fireplace with a brand new gas insert and windows throughout that provide an abundant amount of natural light! The 2 bedrooms are large with ample closet space and the full bath has been professionally remodeled! The kitchen has plenty of cabinet space and leads out to the backyard with a spacious patio making it perfect for entertaining! The basement offers great storage options including a cedar closet and can also be used for extra living space. This home won't last long - the only thing missing is YOU!

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Hiawatha Log Homes features structurally graded Northern White Cedar and Northern Red Pine logs, which are harvested right here in Upper Michigan in the middle of winter when the sap and moisture content are at the lowest.

Winter harvesting means less stress during the kiln-drying process, which means less checking and twisting.  Each log is kiln-dried for unsurpassed dimensional stability. Our wood can be milled for a smooth, uniform look, or hand-hewn for a traditional rustic texture.

For more information about this award-winning lake front home, visit http://bit.ly/1zoaaM6 or call 636-778-3025.

Stunning Central West End home now comes in a new price tag of only $300,000!!! http://bit.ly/1DldOvy

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An Exquisite, MEDITERRANEAN STYLE Home, in the Heart of Clayton. Upon entry you will be greeted by the 2-Story Beamed Ceiling Great Room, w/ Large Hearth Fireplace, Hand-Crafted Stained Glass Windows, and Built-Ins. The Ambiance of a European Setting is experienced as you walk from the 2-Story Great Room into the Cozy Den. You pass through Stained Glass Doors from the Den, and into the Courtyard where a touch of luxury is your experience. The Master Bedroom, Full Bath, and a 2nd bedroom are located on the main level, with a large 3rd bedroom and full bath on the 2nd floor. A Large Dining Room and eat-in Gourmet Kitchen complete the main level. Escape to the lower level and enjoy the large family room, exercise room, bathroom w/shower, and full kitchen. A sleeping area in the lower level can be used as an office or 4th Bedroom. The Design and Style of this Home takes its influence from European Countries that border the Mediterranean truly making it a GREAT HOME IN THE HEART OF CLAYTON.

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The Federal Reserve Bank of New York recently released the 2015 SCE Housing Survey. The survey revealed that most current renters would prefer owning and that 61.9% of them plan to buy a home within the next five years.

68.3% stated they would prefer owning (with 45.6% saying they ‘strongly’ prefer owning). When asked at what point in the future do they think they will own a primary residence:

• 8.2% said within a year
• 15.3% said in 1 to 2 years
• 38.4% said between 3 to 5 years

What’s Holding Them Back?

Of the 68.3% who would prefer to own, 2 out of 3 cited difficulty in getting a mortgage for the reason they do not own. However, many believe that the reason so many think that it would be difficult to get a mortgage is not fully based on current market realities.

For example, studies have shown that there is confusion over the amount of money needed for a down payment. Research has shown that 40 to 50% of Americans believe that between 15-20% is the minimum required for a down payment. In reality, there are many programs available at 5% and even 3%. There are even some programs that don’t require any down payment (ex. VA loans).

Others fear they need a perfect credit score or believe that the overall mortgaging process has become almost impossible. Actually, the Mortgage Credit Availability Index, a report from the Mortgage Bankers Association, has shown that, over the last seven months, access to mortgages has gotten much more available.

And the NY Fed study suggests that some renters are waiting for interest mortgage rates to fall even further. Fifty percent of the renters surveyed believe mortgage interest rates will fall over the next year and almost 10% believe that they will fall by more than 1%. However, the reality of the situation is that Freddie Mac, the Mortgage Bankers Association and the National Association of Realtors are all projecting that rates will be significantly higher at this time next year. They are all predicting mortgage rates will be almost 1% higher!

Bottom Line

Many renters want to own their own home. Some are not moving forward based on misunderstandings regarding the mortgage process. If you are currently a renter who desires the benefits of homeownership, sit down with a local real estate professional to determine what your options actually are.

Welcome Home! This 4 bed 2.5 bath ranch style home is move-in ready! As you enter take notice to the open floor plan overflowing w/ lots of natural light & vaulted ceilings. The dining rm opens to the Great Rm w/ built-in bookcases, wall of windows & beautiful see-thru stone fireplace. Proceed to the gourmet kitchen w/ wood floors, breakfast rm, fireplace, granite counters, 42" cabinets w/ molding, island breakfast bar, stainless appliances, walk-in pantry, & much more! Make your way to the Master Suite w/ new carpet, walk-in closet, vaulted ceiling & bay window. Master bath is equipped w/ double bowl vanity, separate shower & soaking tub. 2nd bedroom w/ french doors makes the perfect home office. There are 2 additional bedrooms & full hall bath also w/ double bowl vanity. Main floor laundry & 1/2 bath completes the main level. Walkout from the kitchen to the patio & enjoy your morning coffee & views of the beautiful Jack Nicklaus designed Golf Course. Hurry this won't last long!

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Tuscan inspired Italian village estate nestled in the hills of St Albans. This breathtaking custom built 5 bed 5.5 bath gated home is on 13+ acres. There's the main residence,carriage house & pool/pub house making this home your own private retreat. Enter the main residence&be greeted by an impressive switchback staircase, 2 story great rm w/ floor to ceiling stonewall, gas fireplace & slate flrs. Main flr master suite offers comfort w/barreled ceiling, stone fireplace w/raised hearth & 5" wide plank flring. Custom kitchen w/knotty alder wood cabinets that transitions into hearth room w/flr to ceiling stone fireplace. Entertain in secluded backyard w/heated pool w/waterfall & hot tub. Clock tower offering breathtaking views w/1st flr pool/pub rm,bath& 2nd flr bdrm creates an enjoyable experience for guests. Carriage house has its own kitchen & family rm w/vaulted ceiling,full bath w/shower&stunning flr to ceiling stone fireplace w/1-piece raised hearth complete this unique luxurious property.

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Dorris Loft Condos are the Central West Ends best kept secret. Converted from a 1911 Dorris Car Company into beautiful condos during the 1980's. This property is located on the 2nd level, tree top views make this a peaceful setting. Attention to all details are obvious when you visit this beauty. An open contemporary plan offers great space for entertaining. Ken McKelvey lighting is just one of the unique amenities you will find. Large Living Rm, custom painted & move in ready. Italian Cabinets & Italian Porcelain Tile were installed w/ a stainless steel counter top when the Kitchen was recently updated. State of the Art Bathroom will not disappoint you, installed in 2013. Large Main Flr Bedrm w/ walk-in Closet. Main Flr Laundry. 2nd Bedrm/Bonus Rm Upstairs, roughed in for a 1/2 bath. This complex offers a Pool, Clubhouse, Patio for grilling, beautiful gardens & green space. Your Garage Space and additional Storage a just a few steps away from the Condo. Hurry this one won't last!

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