West St. Louis County, Town & Country and Manchester real estate and homes for sale in Missouri - Kathy Roush, REALTOR® Kathy Roush REALTOR(r) for West St. Louis County, Town & Country and Manchester, Missouri real estate - NUMBER1EXPERT™ Kathy Roush NUMBER1EXPERT(tm) for West St. Louis County, Town & Country and Manchester, Missouri real estate
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Kathy Roush, REALTORŪ, real estate agent and broker for West St. Louis County, Town & Country and Manchester Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)
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Resources: West St. Louis County, Town & Country and Manchester Missouri home buying, real estate listings, and homes for sale in West St. Louis County, MO
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Special Offers: Special offers for West St. Louis County, Town & Country and Manchester homeowners from Kathy Roush, top Realtor
Affiliates: Kathy Roush's real estate web site affiliates
eNewsletter: Kathy Roush's West St. Louis County, Town & Country and Manchester newsletter email will send you the latest real estate information
Today's Real Estate News: Daily real estate news for this neighborhood, Missouri, and United States
Market Conditions Report: Market conditions report for this area, Missouri, and United States
Monthly Payments & Schedule: Monthly loan payments java mortgage calculator
How Much Can You Afford?: Calculate how much home you can afford with this financial calculator
Determine Tax Savings: Calculate how much your monthly West St. Louis County, Town & Country and Manchester Missouri mortgage payments save you on your taxes because of loan interest
Should You Rent or Buy?: Is it better to rent a home in Missouri or buy your own West St. Louis County, Town & Country and Manchester house, ranch, luxury property, condominium, acreage, or other real estate?
Adjustable Rate Mortgages: Adjustable rate West St. Louis County, Town & Country and Manchester mortgages information and interest rate java calculator
What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage.
Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.
15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.
How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out.
What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.
Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment.
TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Missouri real estate
Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more
Ask Anything: Ask Kathy Roush anything real estate
NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale
Real Estate Tips: Kathy Roush's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers
Real Estate Trivia: Kathy Roush's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more
Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your West St. Louis County, Town & Country and Manchester property in Missouri, including legal terms definitions, and more

 

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Real Estate Tips
Financing Your Home >Lenders Want to Say Yes

If you wish to buy a home but consider yourself incapable of getting credit, you may be living in the past in terms of assessing your financial situation. Lenders have become more flexible in underwriting mortgage loans.

A recent survey of mortgage lenders revealed some interesting trends. Ninety-six percent of those surveyed had cut their standard down payment requirements for moderate-income buyers, and 93% said they are more lenient regarding debt-to-income-ratios. Ninety-four percent of those surveyed said they now have more flexible approaches to credit histories, and look at rent and utility payments more than credit cards. Seventy-nine percent of lenders say they have relaxed employment criteria. They now look more at your capacity to generate a stable flow of income rather than requiring a long history at one job.

There are more lenders today, and they are in fierce competition with each other. The home loan industry has created entire markets that cater to those with less-than-perfect credit.

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Real Estate Trivia
Q 
Where would you go if you wished to stay in the world's most expensive hotel room?

A 
The Imperial Suite at the President Wilson Hotel in Geneva, Switzerland, which can be reserved for $33,000 per night.
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Kathy Roush, REALTORŪ, real estate agent and broker for West St. Louis County, Town & Country and Manchester Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

The Kathy Roush Team
Coldwell Banker Gundaker

14830 Clayton Road
Chesterfield, MO. 63017
314-614-4444
636-227-0076
Fax: 636-227-5142
Email: skaroush@cbgundaker.com

Kathy Roush is a special kind of realtor. She puts her clients first. Through outstanding service and attention to details she has successfully assisted her clients buy and sell homes since 1997. By serving the clients' needs Kathy has grown her business each year. Kathy has many industry awards to her credit, but she is more proud of the outstanding relationships she maintains with clients and other agents. So if experience, updated marketing techniques, professionalism and good old fashion superior service are important to you, call Kathy today.

Equal Housing MLS REALTOR SRES


Coldwell Banker Gundaker real estate and homes for sale in West St. Louis County, Town & Country and Manchester Missouri

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