455 Maymont Ballwin Real Estate Offered at $234,900

Charming 3 bedroom 3.5 bath ranch on sleepy street in sought after Ballwin


This home features a wonderful open floor plan and many updates. The finished walk out lower level provides an additional 1500 sf of living space, possible 4th and 5th bedrooms, 1.5 baths walk in closet, lots of storage and large rec area to suit everyones needs. The backyard is private with a park like setting nestled among mature trees. Remodeled master bath, newer appliances, six panel doors, new high efficiency HVAC system, newer carpet, well cared for hardwoods, new sliders, some new windows and much more. This is a wonderful opportunity in a great community. Parkway Schools. Convenient location. Do not miss this opportunity!

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Brought to you by William Leahy Ballwin MO real estate agent hosted at Matt Scott Ballwin Mortgage

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Matthew A. Scott St. Louis Mortgage Banker

Welcome to the www.mattscottstl.com Mortgage blog!  The goal of this blog is to keep friends, clients, referral partners & information seekers informed of the constant changes in the world of finance (in particular mortgage financing) and related industries. I will offer my opinions as a Licensed Senior Mortgage Banker but at times will ask others in a related business for updates such as; insurance agents, real estate agents or anyone else that can add professional knowledge to our topics at hand.  So to get started I wanted you to know a little bit about me; I graduated in 1999 from the University of Missouri with a BS in Personal Financial Management so naturally the mortgage industry was a great fit.  Specifically, my first industry job with Citigroup and after a few years learning the business on a very large scale I left to start my own mortgage broker business (Des Peres Mortgage, LLC).  This business was built to provide another service that our family businesses offered; Tax and Accounting with Scott, Scott & Co. CPA PC (www.scottcpa.com ) & Investment Services with Genworth Financial Securities Corporation.  I have since integrated my mortgage business with my current company of F&B Financial Group (www.fandbfin.com ) where as a Mortgage Banker we are able to underwrite, approve and fund our own loans giving us the control that was unavailable as a mortgage broker.  This new business model has really been instrumental in making 2010 one of my best years ever and brought back my passion required for long term growth in both the Purchase and Refinance markets.  (If you are a client reading this blog please remember your referrals are what keep me going and allow us to offer our low rate/cost programs.)

Specifically, our company excels in the Purchase Market as we believe this is where relationships start and we understand the importance of deadlines, communication and customer service.  We are optimistic 2011 will be a strong year for buyers as rates stay reasonably low and first time homebuyers and current home owners get anxious to take advantage of reduced prices in the real estate market.  So far the IRS (www.irs.gov ) has not offered a new tax credits for 2011 but it wouldn’t surprise me if a new credit was offered similar to the one offered early in 2010.  If you are in the market to buy today or will be in the next six (6) months please be sure to contact me as its never to early to get started and take advantage of my wealth of resources in the real estate industry.

No need to worry…after a great experience with your home purchase you will also be amazed at how streamlined our refinancing process is for all new and past clients.  We never stop working for our clients as we understand their referrals are the lifeblood of our business.  The refinance business is very similar to the purchase without having the deadline of the contract along with a few other hurdles.  We still look at income, assets and credit and on average we close refinance loans in less than 45 days.  The main difference is the focus put on the appraisal given all the industry changes in the last two years.  We have several third party sources to pinpoint value but one of our more reliable sites is Zillow (www.zillow.com ). Even though Zillow does not guarantee accuracy or values but instead gives us a good range of home values in a particular neighborhood as we look to set up your loan for you.

I hope this helped and provided you with useful information.  If you have any questions please don’t hesitate to email me at mscott@fandbfin.com or call at (314)567-9795, ext. 107.

Sincerely,
Matt Scott
www.mattscottstl.com
LO NMLS: 240481
CO NMLS:221646

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New Brentwood Housing 9214 Shortridge Ave Rock Hill, MO 63144

OPEN HALLOWEEN 1-3 pm. The Leahy Girls will be there with their costumes on so please come by! Drinks and candy will be served. New construction in 2008. The kitchen features stainless appliances, granite counter tops, center island and high quality cabinetry. The open floor plan is amazing with tons of natural light, 9 foot ceilings and a two story entry foyer. The main floor has dark oak hardwood floors, built ins, a full bath, and a formal dinning room. Tastefully decorated you’ll love the bronzed hardware, designer light fixtures, two panel doors and rod iron spindled stair case. There are built in speakers throughout including the large party deck located off of the kitchen. Your master bath is amazing featuring separate shower and jet tub. The basement is roughed in for plumbing and has several large windows for even more natural light. The exterior has an impressive brick/stone elevation, maintenance free exterior, large level lot, fenced yard, and a side entry garage.

New construction in 2008. The kitchen features stainless appliances, granite counter tops, center island and high quality cabinetry. The open floor plan is amazing with tons of natural light, 9 foot ceilings and a two story entry foyer. The main floor has dark oak hardwood floors, built ins, a full bath, and a formal dinning room. Tastefully decorated you’ll love the bronzed hardware, designer light fixtures, two panel doors and rod iron spindled stair case. There are built in speakers throughout including the large party deck located off of the kitchen. Your master bath is amazing featuring separate shower and jet tub. The basement is roughed in for plumbing and has several large windows for even more natural light. The exterior has an impressive brick/stone elevation, maintenance free exterior, large level lot, fenced yard, and a side entry garage. This home is a perfect 10.

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Brought to you by William Leahy Brentwood MO real estate agent hosted at Matt Scott Brentwood Mortgage

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How the market impacts mortgages rates. Did you know?

Although it seems like good economic news would be great for mortgage rates, the opposite is actually true. Watch as Sue Woodard, President of Mortgage Success Source, explains the dynamic between the economy and mortgages.

St. Louis MO Mortgage

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Getting The US Economy Back On Track

Written by S.C. GWYNNE WASHINGTON;Thomas McCarroll/New York, William McWhirter/Detroit and Richard Woodbury/Houston

Nothing in memory has prepared consumers for such turbulent, epochal change, the type of upheaval that occurs once in half a century. That could explain why numerous voter polls, taken since the economy shudders toward the November election, reveal such ragged emotional edges,a great deal fear and misgiving. Including the economists don’t have a reputation for the current condition, though some have describedit as being “suspended animation” and “never-never land.”

The outward sign of this change happens to be an economy that stubbornly will not get over the 1990-91 recession. Within a normal rebound, Americans will be witnessing a flurry of hiring, new investment and lending, and buoyant growth. Nevertheless the U.S. economy remains almost comatose the complete year and a half following the recession officially ended. Unemployment remains to be high; real wages are declining. At the moment the economic forum a while back, forecasters predicted that U.S. growth would add up to merely 1.8% this current year as well as 2.6% for 1993, about 50 % the rate to a normal recovery. The present slump already ranks as being the longest period of sustained weakness ever since the Great Depression.

Which was the last time the economy staggered under as numerous “structural” burdens, rather than the familiar “cyclical” issues that create temporary recessions a couple of times ten years. The structural faults, most of them legacies from the 1980s, represent once-in-a-lifetime dislocations that may take years to sort out. Most notable: work drought, the debt hangover, the defense-industry contraction, the savings and loan collapse, the real estate depression, the health-care cost explosion and also the runaway federal deficit. “This is a sick economy that won’t react to traditional remedies,” said Norman Robertson, chief economist at Pittsburgh’s Mellon Bank. “There’s gonna be loads of trauma before it’s over.”

The way to fix the broken areas of the economyhasn’t only become a central issue of the presidential campaign butcan also be prone to stand as Topic A for most of the 1990s. Quick fixes won’t work, an area that numerous Americans are generally accepting. The truth is, that is the light at the conclusion of the tunnel. “A great deal of good stuff are going on beneath the surface which will actually work perfectly for all of us two and several years out,” said Allen Sinai, chief economist for the Boston Co. Economic Advisors.

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