FYI…Rates ARE still and WILL PROBABLY still increase.

Hello Sunshine!

Here are the recent rates for all loans, etc. We’d like to share that though rates were at about 3.5% a little more than a year+ ago, they will KEEP increasing! We have had several buyers lately that are scared of this rate (and that was at 4.875%). Our best intel is that though recent buyers are use to 3-4% interest rates, 5 years ago 8% was normal. Our best advise, 5% is the best you’re going to get in the nearest future. The interest rate was at 3-3.5% for so long that the rate is bound to rise and keep going. Take it while you can! Here are the current rates!

 

Conventional 30 year fixed                            4.999%           0 pts

Conventional 30 year fixed 3% Down           4.875%           0 pts

Conventional 20 year fixed                            4.750%           0 pts

Conventional 15 year fixed                            4.500%           0 pts

Conventional 5 year ARM                            4.625%           0 pts

FHA/USDA/VA 30 year fixed                      4.999%           0 pts

Advertisements

Inspections=Negotiation Process #2!

Good morning Sunshine and Happy Monday!

It’s a Friday for us, so we just wanted to wrap up something we’ve come across lately with our sellers/buyers. INSPECTIONS! Anytime I put a buyer under contract on their new dream home, I always, ALWAYS warn them not to get TOO excited until inspection is performed and the inspection notice is signed, sealed & delivered!

So many people don’t understand how crucial the inspection process is. Luckily, one of our favorite inspectors, Zac Lavoi (owner of Greystone Inspection Services), is phenomenal at performing the process & drafting a comprehensible report easy for buyers and sellers to read! Many things can fall apart at inspections that can kill a deal. For example, hidden moisture in walls, foundation issues, roof issues where insurance was claimed but the roof was never replaced, AND SO MUCH MORE!

We recommend doing your research on any inspection company before you hire them. They will be the people that help find ANY and ALL issues with the home you are about to move into. Lord knows you don’t want any surprises AFTER the fact! So this fun meme is for that time Realtors have waiting for that report to come in! LOL! Have a Sunshine week everyone! We hope this helps make it a little brighter!

The Sunshine Team

Ashley, Evelyn & Dana

4dbad4ad15ff08345354562feedb6112

FHA Approved Condominiums in STL County!

Did you know that not ALL condominiums support an FHA loan? Here is the current FHA approved condo list for St. Louis County

5330-5360 Pershing Condos

Arbor Creek

Arrowhead

Ashton Place

Autumn Lakes

Barrington Downs

Bexley Station

Blu

Brentwood Forest

Bridgewater Cove

Burtonwood Manor

Cameo

Carriage Parc

Carroll Wood

Cliffridge

Coachlight Townhomes

Conway Meadows

Country Stone Manor

Creve Coeur Crossing

Creve Coeur Station

Crown Loft

Cypress Station

Debaliviere Place West Phase 1

Executive House

Foster Springs

Genesee Park

Geyer Place

Greenbriar

Hanna Place

Hickory Sound

Highlands @ Hickory Sound

Kiefer Creek

Kirkwood Place

Lucerne

McKnight Crossing at Tilles

Mill Crossing

Moreale

New England Village

Parc Lorraine

Parkside

Pershing Avenue

Queen Anne

Railway Lofts

Ridgeview Place

River Oaks

Rossridge

Royal Arms

San Luis

Senate Place

Spring Creek

Spring Hill Farm-D002315 001 142 RESIDENTIAL UNITS

Summer Tree Village

Summit Lofts

The Knickerbocker Condos

The Randolph Condos

Timber Hills Garden Condo

Town Square

Treetop

Trianon at Southwoods

Twin Willows

Union Garden

Victoria Crossing

The Villas at Kenrick

Westport Crossing

Woodland Crossing

Woodside Trails

We hope this is helpful for you in your future buying and selling needs. And Remember, we are ALWAYS here for you when you are ready :). Have a great rest of your week St. Louis!

-The Sunshine Team

Another Record Year!

Good evening Sunshine 🙂
2016 was another new record year for Sunshine Realty! We continue to see tremendous growth. We have YOU to thank for it for your past, present and FUTURE business! Thanks for the love everyone :). Have a Sunshine year!! Happy 2017 and cheers to continued growth and opportunity!
Total sold: $47,314,874
Total units sold: 203
Listings: 206 Total
t224
Thank you, Thank you, Thank you!
-The Sunshine Team

Which hood fits you best?

As Realtors all over St. Louis, Jefferson, Lincon, Warren and St. Charles counties, we always get questions from clients about what neighborhoods are best, which have the highest rating schools, what location is better, etc. Below is a GREAT guide to use and let your Realtor know exactly what you are looking for. Enjoy :)!

-The Sunshine Realty Team

ec41df84d10fc7c91a0ecec8e1e6a18d