Mortgages

When it comes to real estate Exchange Bank of Northeast Missouri understands it’s a localized market. If you are in the market for a new home, it is extremely important to understand the advantage of working with a local mortgage lender. In this blog, we will outline the top advantages and benefits of working with a local mortgage lender.   #1 Local Expertise   When it comes to a profession, most would agree your knowledge is unique to the market you serve Read More

Buying a home is a big deal. Here are a few of the best-kept secrets you need to know before buying a house.    Secret #1   The first secret for purchasing a home is to scope out the neighborhood you are thinking of buying in and do it a lot. The reason you should do this is to see if it is an enjoyable place to be and that it is a neighborhood you could envision yourself and your family being a part of.    Driving by at different parts of the day is Read More

Questioning if you are prepared to become a homeowner? Here are six helpful tips to break down buying a home and what you need to be prepared for. Purchasing a home can be a stressful process. Let these recommendations set you up financially and emotionally when you are ready to pull the trigger on buying.   1. Be Mentally and Financially Ready  Maybe you have reached your savings goal or have gotten out of debt. Knowing you are ready and what you want is probably one of the Read More

Thinking of selling your home shortly? We’re here to share some easy springtime renovations to provide you with the greatest return on your investment. Spring cleaning is fun, but a spring renovation, that’s what will give you the biggest bang for your buck!  Replace the garage door.  Replacing the garage door not only contributes to fantastic curb appeal, but the functionality will grab the attention of potential buyers when you upgrade to a more modern door with windows Read More

Just by glancing at a single number, lenders can determine how financially responsible you are and decide whether to lend you money or not. Your credit score determines other important things like interest rates as well, which is why it’s so important to make sure your score is good. If you don’t have the greatest credit score, here are some basic ways you can improve it.      Check Your Credit Score Frequently   Just like you should be monitoring your Read More

If you’re preparing to sell your home, you’re in the right place. We’re here to provide you with 8 helpful house staging tips to make the most of your space and grab the attention of prospective buyers. ​1. Focus on the curb appeal. Curb appeal is huge when it comes to first impressions. Some good and relatively cheap ways to make the outside of your home more attractive are to repaint the front door, lay fresh mulch, add more greenery, get a new welcome mat or make your Read More

Ready to upgrade your home in a wallet-friendly way? We’re here to give you lots of ideas for your next project. Rather than explaining each idea in detail, we’re going to list 12 projects that you can take and make your own. Let’s get started! 1. Add a fresh coat of paint. One of the simplest and cheapest ways to upgrade a room in your home is to pick a nice paint color for the walls. This can brighten and modernize your space in less than 24 hours. ​2. Replace Read More

Maybe you’ve put your house on the market, are ready to move out of your apartment or are just seeing what options are out there. Whatever your reason for house hunting, we’re here to help make it as stress‐free as possible with some helpful advice. 1. Get Pre‐Approved So You Know Your Budget Before you jump the gun and start falling in love with houses outside of your price range, it’s important to get pre‐approved for a mortgage so you know your budget. This will give Read More

How much can I reasonably spend on a home? This is a question every single prospective homeowner asks before purchasing a house, and this is exactly what we want them to be asking! While buying a home is a great financial investment to start building equity and wealth, no one wants to be house poor. Create a budget for yourself by using the tips below or jump straight to our mortgage calculator.  Save for a Down Payment and Closing Costs  A Read More

The housing market is ideal for both buyers and sellers at this time of year. Things are moving quickly so in order to sell your home fast, you need to be ready to move and groove! We’ve created this blog with tips and helpful advice on how you can sell your home fast.  Choose FSBO or Realtor  Choose if you will be selling the home yourself (for sale by owner) or if you will be using a realtor. The realtor knows the process and can get things rolling – they Read More