Ready to Buy, Sell, or Rent Your Home?
Looking to buy a new home? Refinance? Looking for a rental? Want to sell a house? Charles Burt Realtors is your full service real estate agency!
Charles Burt Realtors
2300 E. 7th Street
Joplin, MO 64801
Phone: (417) 782-1234
2300 E 7th St, Joplin, MO 64801
2042 S Garrison Ave, Carthage, MO 64836
Charles Burt Homefolks
Ready to Buy, Sell, or Rent Your Home?
Charles Burt Realtors is your local real estate agency. We live and work in the areas we serve. We raise our families here. We are about finding the perfect home for you and your loved ones. We are about making sure that when you sell your home, you get the best deal possible. With the latest in technological innovation, local knowledge, and access to the local Boards of Realtors, we’re not only your partners–we’re your neighbors.
We proudly serve the following towns and surrounding areas in Missouri including Carthage, Joplin, Webb City, Carl Junction, Jasper, Lamar, Sarcoxie, Diamond, Neosho, Granby and Seneca.
Charles Burt Homefolks
2042 S Garrison Ave,
Carthage, MO 64836
Phone: (417) 358-6088
Charles Burt Homefinders
Serving Neosho, MO and the surrounding areas.
Charles Burt Homefinders
1401 Waldo Hatler Memorial
Neosho, MO 64850
Phone: (417) 455-2878
1401 Waldo Hatler Memorial Dr, Neosho, MO 64850
Looking to Buy?
First Time Buyer
Purchasing Your First Home | Carthage MO
What a giant feat purchasing your first home is! But it can also be a little scary. You’ll probably need some expert opinions along the way — and you’ll undoubtedly want a skilled REALTOR® looking out for your top interests. We are knowledgeable in Carthage real estate, and we’re absolutely qualified to provide our services with purchasing your first home. Give us a call today at (417) 358-6088. Let Charles Burt Homefolks help you with your first home purchase in Carthage.
Not everyone with a real estate license is equally equipped to help YOU find your first home. Our dedication to our clients is what makes the difference. When you hire Charles Burt Homefolks to help with your first home purchase, here’s what you can expect:
- We’ll lead you through every phase while you’re buying your home. From finding the right house among all the houses available in Carthage, to advising you on the involved closing costs.
- We are local experts, and can help you define a shopping list of amenities you want in your community, school district, and your home.
- We can walk you through the assorted mortgages, home buying methods accessible, and the mind-boggling financial facets of purchasing a house.
- We will make sure you see all the properties that match what you’re looking for, and keep a close eye on all of the newest listings.
- You can count on us to do everything in our power to make sure your home buying process is stress-free.
- We’re ready to work for you. Finding the ideal home in the Carthage area is our business!
Applying For A Loan
Applying for a Loan
Applying for mortgage financing can be one of the most troublesome aspects of buying a house for a buyer, but it doesn’t have to be. I’m very well-connected with a lot of lenders in the Carthage area, and they’ve helped me recognize a few things that can make the loan application process a snap.
1 – Compile a list of questions about your loan program
If you don’t totally understand the advantages and disadvantages of the different programs, be sure to have a list of questions. It’s a challenge understanding the characteristics of both fixed and adjustable rate mortgages. I or one of my lenders will be able to assist you with understanding the advantages and disadvantages of both programs.
2 – Decide when you want to lock
Locking in the rate designates that your mortgage lender keeps to the interest rates for the loan – commonly at the time the loan application is presented. By floating the rate, you can lock the rate at any time between the day of your loan application and closing. Those who elect to float presume the interest rates will decline in the near future. Click here to see the outlook for the next 90 days of interest rates.
3 – Decide if you want to pay additional points to lower your interest rate
Normally you can decide to pay additional points to lower the interest rate of your loan. Every point is 1 percent of the mortgage loan and is payable in cash at the time of closing. If you’re uncertain if buying points is the best option for you, click here to use our points calculator.
4 – Compile your paperwork
Obtaining a loan requires lots of paperwork, so you should take some time to get all your documents together.
Raising Your FICO Score for Home Ownership
Raise your FICO score to buy a property in Carthage with Charles Burt Homefolks as your real estate agent. Most people assume that the home buying process starts with getting pre-approved by a lender or with choosing a real estate agent. The content of your wallet starts the home buying process. To become a homeowner, considering your credit score is a must along with the type of loan for which you’ll qualify in Carthage.
A FICO score is a collection of your years of credit history based on an instrument developed by Fair Isaac and Company. The score ranges from 300 to 850, with most people traditionally having a score of 650. Job loss has been common in the last few years, but FICO scores aren’t necessarily adjusted “on a curve.” A low score is a low score and that often means you can’t get a decent interest rate. Some of the factors in summing up your FICO score are:
Types of Credit — Do you have a healthy mix of loans and credit cards?
Payment History — How many late payments have you made?
Credit to Debt Ratio — How much do you owe versus your available credit?
Credit Inquiries — How many times has your credit history been accessed by someone other than you?
When you apply for a mortgage or any other loan, lenders want to make sure that extending a loan to you isn’t a risk. Your credit score gives lenders a view of what type of borrower you are solely because of your credit history. Because of the shift in the economy, most home buyers should have scores in the range of 700 or higher to get an acceptable interest rate. You can qualify for a mortgage loan with a lower score, but the interest paid in the long run could be more than double the amount of someone with a superior credit score.
Getting your credit in order is the best way to ease into owning a home. Call us at (417) 358-6088 and we can help you get on the right track to the home of your dreams. How do you boost your credit score? Improving your FICO score takes time. It can be rare to make a large-scale change in your FICO score with quick fixes, but your score can improve in a year by monitoring your credit report and by using credit extended to you to raise your score, instead of ruin it. The best way to do this is to know your FICO score. You’ll improve your credit score by using these tips:
- Raise your FICO score to buy a house in Carthage with Charles Burt Homefolks as your real estate professional.
- Keep up with payments. Your FICO score plummets with every account that goes to collections. It’s one of the reasons people who have recently experienced job loss see the biggest dip in their credit score. Yes, it takes longer to rebuild your credit with payment history, but it’s the surest way to show that you’re responsible enough to make payments to a bank.
- Ensure that your credit history is correct. If you find mistakes on your credit report, write to the bureau requesting that the item be removed. If you have a common name or the same name as a family member, you’ll want to pay extra attention to make sure the activity reported is correct. Spread your debt around. At first, this doesn’t seem like a good idea. But, you don’t want to have one card that is maxed out and have the rest of your cards at a zero balance. It’s better to have each of your cards at a smaller balance than to have all of your debt sitting on a single card.
- Chain store cards and gas cards. For those who have non-existent credit or below average credit, store credit cards and gas credit cards are ways to improve credit, increase your spending limits and stay on top of your payments, which will raise your FICO score. You should always beware of carrying a large balance for too long because these types of cards more than likely have a surprising interest rate
- Keep your cards in rotation. Whether you’re just getting started with credit, or if you’ve got older cards, use your cards so that your accounts maintain an active status. But, pay them off in no more than two or three payments. Knowing the ways you can build up your credit score, you can move toward becoming a homeowner. Remember that when you’re ready to apply for a loan to purchase a house, you’ll want to keep your lender applications within a two-week window to avoid damaging your credit score. With the help of Charles Burt Homefolks, the loan process is sure to go more smoothly so you, too, can become a homeowner.
Get more information by visiting myFICO.com, Fair Isaac’s informational site and once per year, for free, you can review all three of your credit reports at annualcreditreport.com. And, for a small payment, you can get your FICO score from each bureau on their websites: equifax.com, experian.com and transunion.com.
How Escrow Works
What To Expect When You’re Closing | Carthage MO
Let’s talk about escrow. To finish the sale of a property, a neutral, third party (the escrow company) is engaged to assure the process will close correctly and on time. Escrow agents hold money for “safe-keeping” in an exchange between a buyer and seller. PayPal is a simple way to think of an escrow company.
The escrow agent insures that all terms and conditions of the seller’s and buyer’s contract are reached prior to the sale being finalized. This includes getting payments and records, finishing required forms, and seeking out the release documents for any loans or liens that have been cleared with the transaction, assuring you have a clean title to your place before the final price is fully paid.
These are the records that escrow companies usually look for:
- Fire and other insurance policies
- Title insurance policies
- Terms of sale and any seller-assisted financing
- Requests for payment for various services to be paid out of escrow funds
- Loan documents
- Tax statements
You’re ready to close when every step is complete in escrow process. All expenses like title insurance, inspections and real estate commissions are paid. Title to the property is then given to you as new homeowner and appropriate title insurance is issued as outlined in the escrow policy.
At the close of escrow, payments of funds are made in an acceptable form to the escrow. As your real estate professional, I’ll inform you of the acceptable way of paying.
Native American Loans
Best Native American Home Loans | Joplin MO
If you are a Native American, and member of a tribe living inone of the states approved for HUD 184 Home Mortgage Loan – the Federal Government has a mortgage loan program designed for you!
We will be glad to assist you in purchasing your home. Call us at (417) 358-6088. The following counties qualify in Missouri, Newton County, Jasper County, McDonald County, Barry County and Lawrence County.
Looking to Sell?
Selling Your Home
How to Choose a Real Estate Agent | Carthage MO
Ready to Buy, Sell, or Rent Your Home?
Charles Burt Realtors is your local real estate agency. We live and work in the areas we serve.
Planning to sell your house is a major decision And no matter how nice your property may be, a house won’t necessarily sell itself! The person you choose makes or breaks your selling experience.
Look for an agent dedicated to pushing your home and garnering the best offer for you. Providing you a pleasant home-selling experience is my goal during every real estate transaction.
Look at a few of the ways I will be the best agent for your needs:
- Together, we’ll decide your home’s value and get the best bid possible.
- Your house will be in the best condition for Open House events in Carthage.
- I’m there when you need me — on the go, in person, and even via text message. You’re my top priority and my schedule and actions display that.
- Your house is my top selling priority, and I’ll ensure it gets the attention it commands in all available venues, even nationally. Every agent in Carthage will see your great home.
As a popular agent in Carthage, I’ll work to get the best price for your home and get it off the market quickly. It’s easy to snap up the first real estate agent who seems nice enough, but selecting the most knowledgeable agent takes planning.
Your interests stay at the forefront throughout the whole selling process. You’ll have my knowledge on your side.
E-mail Charles Burt Homefolks at email@example.com or just call (417) 358-6088. I’m always available to answer any questions that you might have about selling in Carthage, Missouri.
Curb Appeal Checklist
Curb Appeal Checklist
Inspect the outside ground. Remove any building materials, scrap wood, discarded household items, etc. from the property. Store garbage cans in the garage.
Check the home from the roof line down.
Is the roof free and clear from obstructions and moss?
- Are the gutters clear and neatly hung?
- Are the windows clean and free from obstructions (such as overgrown bushes or trees)?
- Are bushes, trees and shrubs neatly pruned?
Inspect the condition of the paint or siding?
- Is it time to power wash the siding?
- Is touch up paint needed?
- Is the front door in good shape?
Do flower beds need an upgrade?
- Are plants neatly pruned?
- Is the bed free and clear of weeds?
- Is the bed properly mulched?
- Are flowers in bloom?
Keep the lawn neatly groomed.
- Is the lawn free from weeds?
- Is the lawn free from grass clippings?
- Is the lawn neatly edged?
Get The Highest Price
Getting the Best Price for Your Home
Effective marketing is the key to selling your home quickly and getting the highest price. Aggressive, effective marketing of my Client’s homes by every available medium is how I’ve become a top real estate agent in the Carthage area. It’s my job to assure that you get as many qualified offers as possible, allowing you to extract the highest price the market will bear.
One of the most important elements of marketing your home effectively is setting the price right. Set the price too high, and you won’t get any offers and your home will take too long to sell. Set it too low and you cheat yourself by not getting your home’s full, fair value. As an expert in Carthage area real estate, I analyze the market and set area home prices every single day. I’ll work closely with you to assure that everything possible is done to get the highest price, in the time frame you need.
The condition and appearance of your home are also critical factors in getting the best price for your home. I’ll personally walk through your home with you and advise you of what you can do to properly stage your home most effectively. Some areas are much more important and more likely to pay off than others! Often, the buyer is motivated by emotional responses as much or more than financial issues. There are usually things I can point out to you that are easy and inexpensive, yet go a long way toward triggering those “buy” emotions.
As your agent, I’ll negotiate furiously on your behalf throughout the entire process to ensure that your best interests are protected. Real estate negotiations and contracts can be intimidating in their complexity. Most people have almost no experience in these negotiations. After all, how often do you buy or sell a new house? As a top real estate professional, getting you the best terms and prices in all negotiations is simply part of my job.
Home Appreciation | Carthage Home Prices
Need Some Help Understanding Why They Appreciate?
Over time, the value of a property will go up and down. House values appreciate in the long term almost always. But, of course, in real estate there are no “sure things”.
When your property appreciates you have a bigger asset to borrow against, and you’ll realize a better profit when you sell. Property values in Carthage fluctuate for many different reasons, so how will you be sure what you’re buying now won’t depreciate the day after you close? The most important factor to consider is that you pick a real estate agent in Carthage who can identify the factors that influence local prices.
A lot of people assume that the economy is the most crucial factor affecting real estate appreciation. Naturally, there are many factors on a national level that influence your home’s value: unemployment, interest rates, quarterly earnings reports, and more. However, your home’s value and the elements that play the biggest role in its appreciation are specific to the local Carthage economy and housing market.
Let Charles Burt Homefolks help you with your first home purchase in Carthage Location in a community – Convenient access to schools, jobs and amenities like shopping, restaurants and entertainment is important to a lot of us and will greatly influence home values. So when it comes to holding their value, these areas typically appreciate better than others.
Recent sales – Your REALTOR® should give you reports on the recent home sales in the areas that you’re interested in. You’ll want to know average time on market, selling versus listing price and more.
Appreciation history – Have house prices gone up or down over the past 5-10 years? Is the community thought to be desirable because of its location or affordability?
Economic factors – Have businesses moved into or away from an area? Are local companies hiring? Is there a nice combination of business in an area, or does it depend on just one industry? Each of these elements plays a role.
Knowing the factors that play into your property’s value is important. Click here to get an assessment of your property’s value.
Call me at (417) 358-6088 or e-mail me if you have any questions at all. I’d love to hear from you.
How To Stage Your Residence for an Open House
Best Residential Staging Tips
If you need even more information on home staging to sell your house quickly in Carthage, contact Charles Burt Homefolks and I’ll assist you with promoting the best image for your home. Sell quickly in Carthage with home staging and with me as your real estate agent – (417) 358-6088.
Before you put your residence on the market, consider the best way to sell your house: careful home staging. Some positive aspects of home staging include fewer days on the market and higher bids. If your goal is to sell your home quickly, choose a thoroughly thought out home staging strategy.
Staging your home in Carthage, Missouri is all about selling a lifestyle. You want buyers to picture themselves living and lounging in your home. You want them to see your current house as their future home.
Preparing your house for an Open House doesn’t have to be an annoying experience. It can actually be enjoyable. Together, we’ll work to get an exceptional offer for your home. To see fewer days on the market in Carthage, Missouri, employ these low-cost staging tips:
Curb Appeal Checklist
Start with the outside of your house, better known as your curb appeal. Examine the outside of your home from a quick glance from the street. What jumps out at you? What great characteristics seem to fade into the background? Acknowledging this assists us in determining what plan of action we can use to attract buyers from the street and into your house. If your house isn’t attractive on the outside with touched up paint and colorful garden plants we’ll need to tackle those issues. Refer to the Curb Appeal Checklist and boost your home’s final selling price.
Welcome Home Checklist
Sell quickly in Carthage with home staging and with me as your real estate agent – (417) 358-6088.
Could a buyer see themselves hanging out in your living space, relaxing in your master bedroom or getting work done in your home office? I want your home to pleasantly accept buyers and offer them a sense of contentment. I’ll help you achieve this by suggesting small improvements that enhance the features of your home. I’ll tell you eliminate anything that gives the impression of clutter. Surface areas like tables, desks and counters should be clutter-free. Brick-a-brack, souvenirs, family photos, and kids’ artwork should get moved out of sight. You need to “generalize” the house so buyers can envision it as their new house.
Every area gets a once-over. Changes that directly affect your sale price include easy-to-fix items like pieces of furniture that should be rearranged, rooms that need fresh paint, carpet that needs steaming, fixtures that need shining, and windows that need washing
Buyers’ agents know that their clients want a residence that brings them inside. Everything that could be unsightly should get moved out in order for your property to have general appeal while on the market.
Setting the Stage
I’ll tell you when for the Open House, because everything comes together to create a picture of what buyers will expect after they close on your house. Dark living areas can be a real mood killer, so we’ll do things like part the curtains and add lighting where needed to invite the buyer inside. Together we’ll enhance the mood of the house with enjoyable music playing softly and assure a nice scent flows throughout your home. We’ll incorporate cozy-looking bedspreads, and pillows on your couch and bedding. Buyers should feel like your house has the potential to be.
Is it Time to Short Sell Your Home?
Not sure what a short sale is? A short sale is when the amount of the outstanding loans is greater than the value of the home. This situation is typically the result of home prices in an area rapidly declining. For many homeowners, a short sale is preferential to foreclosure or bankruptcy when they can negotiate with the lender to forgive the remainder of the loan.
How do I proceed with a short sale?
First, figure out the true market value of your house. A knowledgeable REALTOR®, like Charles Burt Homefolks, will be able to give you a good idea of what your property will possibly sell for based on a market analysis. Beware of websites where a computer estimates your house’s market value since they may not have complete information or know important things like neighborhood trends and current listings. Should you have any questions regarding real estate or what happens during a short sale in Carthage, Missouri just contact me here or email me.
Next, determine your closing costs. My work in this area means I know to take into account fees including title report, appraisal, escrow, property taxes, and agent commissions to calculate your final costs at the closing table.
Finally, get in touch with your lender and make them aware of your situation. They may even have a dedicated team that manages short sales. Ask about their exact steps. Some lenders will be more willing to work with you than others. They may be able to lessen the amount owed or make other arrangements. Your lender will have to give approval for the final sale.