Lake Ozark, Four Seasons and Osage Beach real estate and homes for sale in Missouri, waterfront, condos - Susan Spica, REALTOR® Susan Spica REALTOR(r) for Lake Ozark, Four Seasons and Osage Beach, Missouri real estate, waterfront, condos - NUMBER1EXPERT™ Susan Spica NUMBER1EXPERT(tm) for Lake Ozark, Four Seasons and Osage Beach, Missouri real estate, waterfront, condos
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All Agents are NOT alike! Find out why I am The Top Real Estate Expert at the Lake of the Ozarks. Call me: 800-787-1614.


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"Takes Care of Her People"
"Sue takes care of her people! (customers)"
- Beverly, Lake Ozark, MO
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Real Estate - Homes - NUMBER1EXPERTS Sell More!
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First Time Homebuyers: Lake Ozark, Four Seasons and Osage Beach Missouri home buying, real estate listings, and homes for sale in Camden County, MO
Welcome > For Buyers > First Time Homebuyers ...


Buying Your First Home? REALTORSŪ Are Your Professional Guides. Make Sure You Choose Top Experts. 

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Lake Ozark, Four Seasons and Osage Beach real estate experts, it's my job to guide you, from beginning to end. 

I will take the time to go through each and every step of the buying process. There are no dumb questions! 

Together, we will consider: 

- How much can you really afford? 

- How to qualify for a mortgage. 

- How much cash you should put down. 

- How to buy a home with little or nothing down. 

- What it takes to get approved for financing. What banks and other financial institutions are looking for. 

- How much your payments will be. 

- The tax advantages of buying. 

- Is renting or buying better for you? 

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. 

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly... 

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Real Estate Tips
Financing Your Home >New Loans

If you are considering applying for a mortgage to purchase a new home or to refinance your present home, don't delay. Despite fluctuation in interest rates, lenders are still processing many new loan applications.

You should gather all the necessary paperwork before you apply, and submit your loan application as soon as possible. At a minimum, the information required by a lender will consist of proof of your earnings and a clear picture of your total monthly income and expenses. If you are self-employed, or have long-term obligations such as alimony or child support, the preparation time and the amount of paperwork increases.

Despite the need to move rather quickly for a mortgage in today's market, you should "make haste carefully." Shop carefully for your loan by comparing all costs and terms. With the number of lenders vying for your business, new and better deals are always appearing.

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Real Estate Trivia
Q 
What is the fastest-growing state in the U.S.?

A 
Nevada, for the 19th consecutive year, according to 2005 Census Bureau statistics.
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Susan Spica, REALTORŪ, real estate agent and broker for Lake Ozark, Four Seasons and Osage Beach Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

Susan Spica
Prudential Lake Ozark Realty

3570 Hwy 54, Suite 101
Osage Beach, MO. 65065
Toll: (800) 787-1614
Office: (573) 365-6868
Mobile: (573) 280-0484
Fax: (573) 365-3711
Email: susanspica@NUMBER1EXPERT.com

Experienced: Over 25 years combined years of Selling Lake of the Ozarks. Respected: By Clients, competing agents and the community. Trusted: The team you can count on when buying or selling property at Lake of the Ozarks, Osage Beach, Porto Cima, The Villages, Laurie, Eldon and Camdenton.

ABRGRICRSEqual HousingMLSREALTOR


Prudential Lake Ozark Realty real estate and homes for sale in Lake Ozark, Four Seasons and Osage Beach Missouri

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