Wednesday, November 7, 2012

Adopt a Family 2012

Happy Holidays from The Kelly Hager Group!

We wanted to let everyone know that we are back in full swing with our Adopt-A-Family program this holiday season. We're so excited to let you know that we have partnered with Friends of Kids with Cancer. They are an amazing organization that is devoted to enriching the daily lives of children undergoing treatment for cancer and blood-related diseases. Their mission is to be an advocate for these special kids and provide them and their families with the recreational, education and emotional support needed throughout the long hours of chemotherapy, illness and isolation.

For those of you who are new to The Kelly Hager Group family, this is our favorite time of the year to give back. Removing the stress of the holidays and providing these families with an amazing Christmas during such a challenging time in their lives is an experience we want to share with everyone!

As we've done in years past, all of the families and their individual needs are listed on our Simply click on the banner at the top of the page or on the pink stocking in the green box midway down the page to sign up for your donation (the sooner the better so we'll know what items we still need to purchase).

We'll be having the Holiday Dinner and Drop Off Night on Tuesday, November 27 at my home at 2474 Macpherson, Dardenne Prairie, MO 63368 beginning at 6:00 p.m., and I sincerely hope to see you all there! If for any reason you're unable to attend, please feel free to call or email to set up a separate drop off at your convenience. We ask that you label the donation with the family number and family member name (please don't wrap). We'll be sorting and
gift wrapping beginning November 28, and can definitely use all of the volunteers we can get. Keep in mind this is a great community service opportunity for students.

We have had such an overwhelming response over the past six years, and I know in my heart that this year will be the best yet! Have a great Thanksgiving and I hope to see you on the 27th!

Adopt-A-Family 2012- Donation Drop Off Party Nov. 27th 5:00

Friday, October 19, 2012

More Virtual Home Tours!

24 Park Hill Circle- Lake St. Louis, MO

Stunning atrium ranch has all of the top of the line features and surroundings you could ask for! Enjoy entertaining on the maintenance free deck with retractable awning that overlooks the pool, wooded backyard, and astounding landscaping. The inside has been upgraded within the past year to include new hardwood floors, upgraded lighting, upgraded faucets, partial remodel in the kitchen, and fresh paint. Kitchen features granite countertops, wine cooler, center island and stainless steel appliances. A family room with vaulted ceiling and built-ins, a large master suite, additional bedroom, dining room, and laundry room complete the main floor. The incredible LL includes 3 more bedrooms and 2 large Jack n Jill baths, with one that has direct access to patio and pool. Large rec/family room area features a brick fireplace, TV viewing area, game area, and wet bar. Circle drive, oversized 3 car garage, zoned HVAC, whole house fan, central vac, and 3 water heaters are a just a few of the many amenities of this home. Move in ready!

                                                                                     2508  Macpherson- Dardenne Prairie

Absolutely astounding! This 3450 sq. ft home has everything you need. Beautiful hardwood floors are the basis throughout the main floor. The family room has a wall of built-ins which surround one of 2 fireplaces in the home. The kitchen features 42' cabinets with uplighting, large center island and beautiful tile backsplash. The breakfast room overlooks the patio and out to the pool through a bay window/slider. The master suite is a true retreat. Enjoy the romantic corner fireplace and a bath featuring a jetted soaking tub and TV nook. All bedrooms have large walk-in closets. The finished lower level features a recreation room, is wired for surround, has counter bar storage area, refrigerator, workout room, 3/4 bath and lots of storage. Backyard is an oasis featuring a pool surrounded by a large patio and professional lighting and landscaping. Other amenities include zoned HVAC, irrigation system, landscape lighting and oversized garage. Close to shopping and interstate access!

                                                                                           14 Suncrest- St. Peters

Stunning 3 bed, 2 bath ranch in pristine condition! Spacious family room features a masonry see-thru fireplace, vaulted ceiling, and recessed lighting. Kitchen has wood floors, solid surface counters, and breakfast room that overlooks the deck. An all-season sunroom addition across the back of the home not only ads space, but will dazzle you with its wall of windows, vaulted ceiling, fireplace, and ceramic tile floors. Access to the deck, family room and master bedroom from the sunroom continues the open flow of the home. Other features of this home include new carpet, new double-hung windows, new sliding doors, and attic fan. The walk out lower level has laundry and a bath rough-in. Large yard is professionally landscaped and fenced and the 2 car garage has built-in shelves. This beautiful home is move-in ready!

                                                                                    6 Monarch Trace- Chesterfield

Beautiful 2 bedroom/2 bath end unit condo. Floor plan is open with a huge great room and divided bedroom plan. Large kitchen features an abundance of maple cabinets, gorgeous wood floors, and newer appliances. Kitchen patio door walks out to the covered deck which overlooks the wooded common ground. Additional amenities include private secure building with intercom, elevator, and security keypad, 3rd floor storage locker, and covered assigned parking. Custom window treatments are negotiable. Close to everything! Walk to Central Park, Chesterfield Aquatic Center, YMCA, and Chesterfield Mall.

                                                                                            2711 Granville Rd

Breathtaking Property! Almost 6 acres of pasture surrounded by trees. Property features a ranch home that has a large kitchen with an abundance of cabinets, a living room, great room and den/office along with 3 bedrooms, and 1 bath all on the main floor. Lower level walk out offers a large rec room, 3/4 bath, another office, and lots of storage. 30' x 50' detached garage has electricity and offers more space for vehicles, storage, or workshop. Perfect rehab opportunity! Motivated seller - bring us an offer!!! Property is being sold in as-is condition with seller to make no repairs or provide any inspections. This is not a short sale.

Priced Reduced! Call for a Showing today!

1003 N Spoede Rd

Stunning 3 bed townhome

3BR/3+1BA Townhouseoffered at $269,900
Year Built1987
Sq Footage2,415
Bathrooms3 full, 1 partial
Lot Size6,098 sqft
HOA/Maint$308 per month
1003 N Spoede Rd, Saint Louis, MO 63146

Unique Condo/Townhome living in sought after Ladue School District. Beautiful 2 story foyer. Great room features vaulted ceiling, built-in bookshelves, and a woodburning fireplace. Step down into the kitchen and family, dining or breakfast room area. Hardwood floors throughout main floor. Family room opens to a 20 x 12 deck and backyard which backs to trees. Upper level features an open loft area. Large master suite w/ his and hers closets and luxury master bath with sep. tub, shower and double sinks. 2 other spacious bedrooms finish the upper level. All bedrooms feature ceiling fans. Finished LL is a walk out featuring a large rec/family room area, storage, cedar closet and a full bath. Walk out leads to a covered patio. 2 car, drywalled garage with storage. Great location in walking distance to shopping, theaters, restaurants, and workout facilities.

Friday, September 21, 2012

We are Match-Makers: we know people, we know homes and we bring the right ones together

About Us

Kelly Hager’s rise to the top began in 2005, and she has won the “Best in Client Satisfaction Real Estate Agents” for the past 5 years. She is in the top 1% of St. Louis real estate agents while accumulating over $50 million in sales.
A native to St. Louis, Kelly grew up in Clayton and currently resides with her son in the St. Louis area. As a servant to the community, Kelly is involved in many charitable causes. One of Kelly’s favorite charities is working with families in need, ensuring their basic concerns are cared for.
The Kelly Hager Group uses complete discretion and confidentiality in all matters. Our team specializes in leading and providing all clients with a high level of quality client services. Through continuous and prompt follow through, The Kelly Hager Group consistently provides a hassle-free and enjoyable buying/selling experience.
The success of The Kelly Hager Group at Keller Williams lies within its unique and knowledgeable team members, beginning with Kelly Hager.  She is a licensed realtor whose passion and dedication shines through every day.  Kelly’s extensive sales and marketing experience puts her clients at ease.  Her negotiating skills benefit her clients time and time again. Kelly graduated with a degree in Political Science and Pre-Law in 1995.
The success of Kelly Hager at Keller Williams Realty Chesterfield continues to grow. To provide superior service, Kelly has formed a specialized team to support each client throughout their home buying/selling process.

Thursday, September 20, 2012

Chesterfield Homes

Homes For Sale in Chesterfield, MO 63005

Chesterfield is located just about 25 minutes west of downtown St. Louis, along the Interstate 64/U.S. Highway 40 corridor. The city was formed in 1988 by citizens who cared deeply about the area and about the quality of life in the area. They have peaceful residential neighborhoods, bustling shopping areas, beautifully designed business establishments, and well laid out parks and pathways. Their citizens have such a history of being involved in helping the city that we are known as the “City of Volunteers.”
More than 47,000 people call Chesterfield home. The City is a wonderful blend of attractive homes, excellent senior living facilities, top-rated school districts, houses of worship, unlimited shopping and dining destinations, along with historic and cultural attractions.
Chesterfield residents enjoy a quality of life that is unique in that everything you need is right here in Chesterfield. This includes two top-rated public school districts, a Top-50 rated hospital in St. Luke’s and other quality health-care providers, and unlimited shopping, dining and recreational activities.
It is a community that has benefited from amazing foresight, imagination, commitment and collaboration of people who live and work here. Incorporated only in 1988, it is a new city with a rich history. It’s an example of what can happen when residents, civic and business leaders work toward a shared vision to create an outstanding community in which to live, work, and play.
If you’re looking at homes for sale in Chesterfield, MO 63005, call Kelly Hager today!
47,484 – 2010 Census
46,802 – 2000 Census
Median Household Income
(2006-2008 Census American Community Survey)
Median Home Sale Price
Chesterfield 63005 $484,500*
Chesterfield 63017 $285,000*
(12 Months Preceding 3rd Quarter 2010)

Communities in St. Louis

 St Louis 411

The Kelly Hager Group – Your St. Louis Ambassador

St. Louis – or to the locals “The Lou”- is truly an urban melting pot. The slogan “Gateway to the West” represents more than just the towering Arch that has become the St. Louis signature landmark. The figures boggle the mind: 78 city neighborhoods, 91 county municipalities, 21 cities in St. Charles County, and 80 towns in Metro East makes a grand total of 271 places to live in the St. Louis region. With so many options, how is anyone supposed to make heads or tails of it?
As ambassadors to St. Louis, The Kelly Hager Group is your St. Louis expert. The Kelly Hager Group believes that where one chooses to live boils down to priorities. With unlimited choices, but limited time, lifestyle dictates locale. Foodies may want to look for places that house their favorite restaurants. Families want the necessities: a good school, a safe street, and a steady home value. The fine-arts fanatic seeks unique venues and cultural exhibits to immerse themselves in daily. The sports enthusiast may want the finest outdoor recreational areas right at their fingertips.
With all of this in mind, The Kelly Hager Group has analyzed and evaluated the various St. Louis areas, and presents the “best of the best” in St. Louis. The Kelly Hager Group is here to assist in all aspects of finding the perfect dream home for all unique lifestyles.


Downtown St. Louis features dining opportunities from fine gourmet restaurants in downtown hotels and eclectic cafes and bars in the Washington Avenue Loft District to the smorgasbord offering of restaurants in the historic Union Station on Market Street. Diners can enjoy savoring the wonderful signature St. Louis specialties created by top chefs. Restaurants around Kiener Plaza feature spectacular views of the Old Courthouse with the Gateway Arch in the background. Major sporting venues including Busch Stadium, the Scottrade Center and the Edward Jones Dome are within walking distance of many restaurants.

Lacledes Landing

Longing for the days of Mark Twain and the mighty Mississippi? St. Louis’ river city past becomes clear in the vibrant Lacledes Landing neighborhood. Lacledes Landing, founded in 1764 by a French fur trapper named Pierre LaCledes, established Saint Louis as trading post on the west banks of the Mississippi River. Business was good from the beginning. Soon the village became the center of commerce with furs as the main source of exchange for goods.
Today, Laclede’s Landing – a nine block industrial area that once housed companies producing coffee, leather goods, mattresses, tobacco, whiskey, candy and machinery for the barges – features some of the most unique restaurants, sidewalk cafes and clubs in the metro Saint Louis area. During the day, the historical district is also home to people who work at the many offices located on the edge of the Mississippi River. At night, take a horse drawn carriage ride on the cobblestone streets or dine on local fare at restaurants operating inside one of the historic river warehouses. At night, the district is merry with music. The new Lumiere Place casino sets the standard for entertainment. Narrated trips on the Gateway Arch Riverboats leave from the levee, and the Riverfront Trail bike path passes alongside the historic district. Labor Day weekend brings the annual Big Muddy Blues Festival to the area.


Soulard is a diverse historic community, located just south of downtown. St. Louis’ blues music takes the stage in the neighborhoods clubs and restaurants. Soulard is one of the oldest neighborhoods in the city with homes dating from the mid to late 1800s. It also features beautifully restored 19th-century red brick Victorian and Federal-style townhouses. Quaint row and alley houses create picturesque streetscapes.
The Soulard Farmer’s Market, one of the few remaining open-air markets in the country and operating since 1779, is the neighborhoods centerpiece. The farmers markets sells fresh produce, meats, bakery goods and flowers. Just south of the market is the Trinity Lutheran Church at Eighth and Soulard Streets. The original church, built in 1865, was destroyed by the 1896 tornado which roared through Soulard. This tornado also destroyed numerous homes, churches and businesses. The church was rebuilt by its German congregation into its present majestic structure. Immediately south of Soulard, is the Lemp Mansion- a restaurant and B&B. The Lemp Mansion is known as one of St. Louis’s top haunted houses.
Events such as the annual Bastille Day celebration in July, Soulard Mardi Gras activities in February, and Soulard Oktoberfest bring thousands of people into this lively ethnic neighborhood. Soulard’s Mardi Gras celebration is the second largest in the nation, only behind New Orleans.

The Hill

The Hill is a quiet area south of Forest Park and west of Kingshighway. The Hill is known throughout the world for the food and as one of the most tasteful “Little Italy” neighborhoods in America. Settled in the early 1900’s by early Italian immigrants, residents still carry on their traditions in this lively spot.
The Hill, where the unique shot-gun style houses are almost as creative as the pasta dishes served in the corner restaurants, features some of St. Louis’ finest Italian restaurants. The neighborhood’s dining establishments range from mom-and-pop sandwich shops and casual trattorias to elegant Mobil- and Zagat-rated restaurants. Stop for a game of bocce ball- an Italian lawn bowling game-or pick up Italian essentials in the aromatic specialty shops.
Nationally known residents of The Hill include baseball heroes Joe Gargiola and “Yogi” Berra. “The Italian Immigrants” sculpture standing near St. Ambrose Catholic Church is a tribute to the proud heritage of this traditional community. The Church has served as the religious, cultural, educational and social center of this very stable neighborhood with its manicured lawns, brick bungalows and tree-lined streets. Annual events include the religious procession of the Feast of the Corpus Christi, the Columbus Day Parade, the Giro della Montagna Bike Race and the annual Hill Day.

Central West End

The Central West End is a chic slice of Europe on the edge of Forest Park. With its charming sidewalk cafes, exciting galleries, trendy boutiques, and cozy pubs, the Central West End is a cosmopolitan community
As the name alludes, the Central West End is one of the most “centrally located” neighborhoods with easy access from highways, many recognizable local roads and public transportation.
The Central West End chic neighborhood features many beautiful turn-of-the-century buildings nestled among giant oak trees. The tree lined private streets display stately turn-of-the-century homes, new high rise condos, and apartments. Ornate lampposts and brick-lined streets along Maryland Avenue create a European sophistication. The architecture of the Central West End is reflective of the rich architectural heritage found in many of St. Louis City’s communities. The awe inspiring St. Louis Cathedral Basilica is another one of the pillars of this exciting neighborhood. Diners can enjoy a relaxing afternoon of people-watching at one of the outdoor cafes and coffee shops, or take in the nightlife at some of the warm and friendly pubs.

The Loop

A vibrant six-block entertainment and shopping district featuring ten live music stages and an eclectic mix of retail and restaurants- The Loop is a place of rich history and energetic evolution. Named for the old streetcar turnaround, this always changing neighborhood is home to one-of-a kind stores and boutiques. A brilliant success, The Loop now serves as a model for communities across the country. The American Planning Association recently named this thriving urban retail, arts and entertainment district “One of the 10 Great Streets in America.”
The Loop is home to long established businesses such as Blueberry Hill, a nationally renowned restaurant and music club, and the elegantly restored Tivoli Movie Theatre, which offers patrons the chance to view contemporary independent films in a historic cinema house. The new growth — distinguished by its quality, planning and understanding of its community – is a self-perpetuating catalyst. New venues include The Pageant — a 2,000+ capacity concert nightclub, the Pin-Up Bowl a bowling alley and martini lounge, numerous restaurants, shops, the Moonrise Hotel – an independent boutique hotel, the headquarters for the Regional Arts Commission, and the St. Louis African American Cultural Center (opened in 2010).


St. Louis’ “other” downtown can be found in Clayton, the seat of St. Louis County government. Clayton Business District, with its tall office buildings framing the Clayton business district, features an eclectic selection of fine art galleries, bookstores, restaurants, hotels and elegant boutiques. Visitors can feast on gourmet cuisine or traditional specialties. Clayton continues to be one of the most desirable communities to both live and work in the region.
Throughout the summer, Clayton is bustling with festivals and outdoor activities. The St. Louis Art Fair is a highlight and celebration of Claytons dynamic and rich cultural scene. The St. Louis Art Fair, rated top in the nation, attracts more than 100,000 people to Clayton’s street each September. Other special events include the always-delicious Taste of Clayton food festival in June. Shaw Park provides event space and recreational opportunities all year long.

Westport Plaza

The World of West Port Plaza, where gleaming office towers overlook an international assortment of fine restaurants, two first-class hotels, lively night spots, comedy club and unique specialty shops. A festive and romantic atmosphere is created within the walkways and open courtyards of the Plaza’s Old World Village where visitors will find all the services of a luxurious resort … all without crossing a street. West Port Plaza is situated on 42 beautifully landscaped acres in Maryland Heights, The Plaza is located between Dorsett Road and Page Avenue, with easy access from I-270 at Page Avenue.

Wednesday, June 20, 2012

Builders haven't been this busy for three and a half years

Single-family housing starts rise in May, permits jump –

WASHINGTON (AP) – Home builders started work on more single-family homes in May and requested the most permits to build homes and apartments in three and a half years.
  • Troy Drake hammers shingles onto the roof of a new house under construction in the Patrick Farms community in Pearl, Miss.
    By Rogelio V. Solis, AP
    Troy Drake hammers shingles onto the roof of a new house under construction in the Patrick Farms community in Pearl, Miss.
By Rogelio V. Solis, AP
Troy Drake hammers shingles onto the roof of a new house under construction in the Patrick Farms community in Pearl, Miss.

Sponsored Links

The increase suggests the housing market is slowly recovering even as other areas of the economy have weakened.
The Commerce Department said Tuesday that builders broke ground on 3.2% more single-family homes in May, a third straight monthly increase.
Overall housing starts fell 4.8% last month to a seasonally adjusted annual rate of 708,000. But that was entirely because of a 21.3% plunge in apartment construction, which can be volatile.
The government also said April was much better for housing starts than first thought. The government revised up the April figures to 744,000 — fastest building pace since October 2008.
And builders are more optimistic about the next 12 months. They requested more permits to build homes, a gauge of future construction. Permits increased to a seasonally adjusted rate of 780,000 — the most since September 2008.
Even with the gains, the rate of construction and the level of permits requested remain roughly half the pace considered healthy. Yet the increases add to other signs that the home market may finally be starting to recover nearly five years after the housing bubble burst.
Builders have grown more confident since last fall, in part because more people are expressing an interest in buying a home. Cheaper mortgages and lower home prices in many markets have made home buying more attractive. Many economists believe housing construction could contribute to overall economic growth this year for the first time since 2005.
Sales of both previously occupied homes and new homes rose near two-year highs in April, the latest data available.
Still, the pace of home sales remains well below healthy levels. Economists say it could be years before the market is fully healed.
Many people are still having difficulty qualifying for home loans or can't afford larger down payments required by banks. Some would-be home buyers are holding off because they fear that home prices could keep falling.
The economy is growing only modestly and job creation slowed sharply in April and May.U.S. employers created only 69,000 jobs in May, the fewest in a year.
Though new homes represent just 20% of the overall home market, they have an outsize impact on the economy. Each home built creates an average of three jobs for a year and generates about $90,000 in taxes, according to data from the Home Builders.

Sunday, June 17, 2012

Read this checklist before selling your house!

47 Tips By Kelly To Get Your Home Show Ready!

Throughout the House:
1.  Open the draperies, pull up the shades, and let in the sunlight
2.  Create a positive mood.  Turn on all lights, day or  night, and install higher wattage light bulbs to show your home brightly.
3.  Remove clutter from each room to visually enlarge them.
4.  If you have a fireplace, highlight it in your decorating.
5.  Keep your home dusted and vacuumed at all times.
6.  Replace the carpet if it does not clean up well.
7.  Have a family “game plan” to get the home in order quickly if necessary.
8.  Air out your home for one-half hour before showings, if possible.
9.  Lightly spray the house with air freshener so that it has a chance to diffuse before the buyer arrives.
10.  Put family photos in storage.
11.   Improve traffic flow through every room by removing unnecessary furniture.
12.  Create the feeling of a spacious entry area by using decorative accents and removing unnecessary furniture.
13.  Putty over and paint any nail holes or other  mishaps in the walls.
14.  Paint all interior walls a neutral color to brighten the home and make it look bigger.
15.  Repair or replace any loose or damaged wallpaper.
16.  Clean all  light bulbs and light fixtures to brighten the home.
17.  Wash all windows inside and out.
18.  Use plants in transitional areas of your house.
19.  Make the most of your attic’s potential.
20.  Remove and/or hide excess extension cords and exposed wires.
21.  Open doors to areas you want potential buyers to see such as walk-in closets, pantries, attics, etc.
22.  Remove all smoke and pet odors.
23.  Repair or replace banisters and handrails.
In the Kitchen
24.  Microwave a small dish of vanilla twenty minutes before a showing and place it in an
out-of-the-way place.
25.  Highlight an eat-in area in your kitchen with a table set for dinner.
26.  The kitchen and bathrooms should always be spotlessly clean.
27.  Expand your counter space by removing small appliances.
In the Bedrooms
28.  Create a master suite effect in your decorating.
29.  Depersonalize bedrooms and decorate in a neutral scheme.
30.  Make sure that the beds are made and the linens are clean.
31.  Organize your closets, remove unnecessary items and put them in storage.
In the Bathrooms
32.  Do not leave towels around and wipe down the sinks and shower areas after each use.
33.  Re-caulk the tub if the caulk is not sparkling white.
34.  Repair or replace broken tiles in the shower/tub.
35.  Replace shower curtains and keep them clean.
36.  Put out fresh towels and decorative soaps.

37.  Keep the yard mowed and raked at all times.
38.  Use flowering plants to dress up the yard, walkway, and patio.
39.  Remove all toys, bicycles, tools, unsightly patio furniture, and trash from the yard.
40.  Porches, steps, verandas, balconies, patios, and other extensions of the house should be kept uncluttered, swept, and in good condition.
41.  Paint all entrance doors.
42.  Make sure the garage door opens easily.  Fix and paint the garage door if necessary.
43.  Clean and shine all hardware and accessories indoors and out (door knobs, knockers, lamps, mail box, address numbers, etc.)
44.  Trees and shrubs should be trimmed and pruned.
45.  Use a new doormat.
46.  Be sure the front doorbell is in good working order.
47.  Be sure the front door and screen door works perfectly.

Saturday, June 16, 2012

Home Buying Process

8 Steps To Buying A Home

Looking for a new home can be an exciting and challenging experience. Here are 8 steps that will make the experience and process easier for you.

Step 1: Decide to Buy

The decision to purchase your first home is one of the biggest and best decisions you could ever make. After all, a home is the largest (and most emotional) investment most people will ever make.
So, how do you know if it’s the right time for you to buy your first home? There is never a wrong time to buy the right home. The key is finding a good buy and taking the time to carefully evaluate your finances. A home purchase is an important step in the path to long-term wealth. Purchasing your own home is a great investment that provides specific financial advantages, including equity buildup, value appreciation potential and tax benefits. It’s also an automatic savings plan that you cannot get from renting! Here’s the most important rule for keeping your stress to a minimum: you don’t have to know everything. The Kelly Hager Group is ready to help you through every step of the process.

Step 2: Hire Your Agent

When you’re looking for a real estate professional to help you, know that above all else, good agents put their clients first. This is your dream, and your agent is your advocate to help you make your dream come true.
A great real estate agent will:
Educate you about the current conditions of the market.
Analyze what you want and what you need in your next home.
Guide you to homes that fit your criteria.
Coordinate the work of other needed professionals throughout the process.
Negotiate with the seller on your behalf.
Check and double-check paperwork and deadlines.
Solve any problems that may arise.

Step 3: Secure Financing

Ultimately, your lender will pre-approve you for a certain amount, but YOU will decide what you’re comfortable paying every month. Remember, your lender only sees your finances on paper. It’s up to you to decide how much you’re willing to stretch your budget in order to get into your dream home.
Be sure to follow these six steps to financing your home:
Choose a loan officer.
Make a loan application and get preapproved.
Determine what you want to pay and select a loan option.
Submit to the lender an accepted purchase offer contract.
Get an appraisal and title commitment.
Obtain funding at closing.

Step 4: Find Your Home

So you are preapproved and ready to begin your search. But how or where do you begin? There are a lot of homes out there and diving in without a guide can become overwhelming and confusing. A great agent will help you more accurately pinpoint homes that fit your criteria. The right home will meet all your important needs, and as many of your additional wants as possible. Some questions you might ask yourself include:
What do I want my home to be close to?
How much space do I need and why?
Which is more critical: location or size?
Would I be interested in a fixer-upper?
How important is home value appreciation?
Is neighborhood stability a priority?
Would I be interested in a condo?
What features and amenities do I want? Which do I really need?
You’ll learn as you look at homes, your priorities will probably adjust along the way.

Step 5: Make an Offer

Once you’ve found a home you love, the next step is making a compelling offer. While emotions are probably in high gear once you’ve found a home you love, it’s important to remember that a home is an investment. Your agent will research similar properties in the neighborhood to help you determine the market value, and fair price, for your home. Look to your agent to explain and guide you through the offer process.
The three basic components of your purchase offer are price, terms and contingencies.
Price is the dollar amount you are approved for, willing and able to pay.
Terms cover the other financial and timing factors that will be included in the offer.
Contingencies are clauses that let you out of the deal if the house has a problem that didn’t exist or which you weren’t aware of when you went under contract. They specify any event that will need to take place in order for you to fulfill the contract.

Step 6: Perform Due Diligence

Just because you love a particular property doesn’t mean that it’s perfect. In fact, this is where reason has to trump emotion. You’ll need to have a property inspection (which we highly recommend you attend) that will expose hidden issues. This way you’ll know what you are getting into before you sign closing papers.   Your main concern is the possibility of structural damage. This can come from water damage, shifting ground, or poor construction when the house was built.
Don’t sweat the small stuff. It’s the inspector’s job to mark everything discovered no matter how large or small. The inspectors report may be long, but, things that are easily fixed can be overlooked for the time being.   If you have a big problem show up in your inspection report, you should bring in a specialist and if the worst-case scenario turns out to be true, you might want to walk away from the purchase.
Even if your home passes inspection, you’ll still need to buy a home owner’s insurance policy that protects you against loss or damage to the property itself and against liability in case someone sustains an injury while on your property.

Step 7: Close

Once you’ve made your offer and have completed the inspection process, you’re in the “home” stretch! But, in order to ensure that you don’t put your closing date, or your mortgage at risk, you have a few pre-closing responsibilities that you’ll need to be mindful of. These include:
  • Staying in control of your credit and finances. If you are tempted to make any large purchases during this time, it’s best to talk to your lender first.
  •  Keeping in touch with your agent and lender, returning all phone calls and completing paperwork promptly.
    Communicating with your agent at least once or twice a week, and verifying with your lender that all mortgage funding steps are completed.
  • Conducting a final walk-through of the home with your agent.
  • Confirming with your agent, home insurance professional, and lender that you have the settlement statement, certified funds, and evidence of insurance lined up prior to closing.

Step 8: Protect Your Investment

Congratulations, and welcome home! The home-buying process is complete, but just like any big process, there’s a maintenance plan! It’s now your responsibility, and in your best financial interest, to protect your investment for years to come. Performing routine maintenance on your home’s systems is always more affordable than having to fix big problems later. Be sure to watch for signs of leaks, damage, and wear.
And remember, just because the sale is complete, your relationship with your agent doesn’t end! After closing, your agent can still help you – providing information for your tax returns, finding contractors and repair services, and even tracking your home’s current market value.
Looking for a new home can be an exciting and challenging experience. Having a real estate professional that takes the time to understand your unique needs and lifestyle is important.   The Kelly Hager Group works hard to not only find the perfect home for you, but also to handle every last detail of the purchase process, from negotiating the terms of sale to recommending moving companies.

Friday, June 15, 2012

Relocating? Let us assist you through the process

Corporate Relocation

Our motivation consists of providing the most comfortable transition to St. Louis and the surrounding areas as possible. As our client, The Kelly Hager Group takes responsibility for initiation and follow through of the relocation process. Our goal is to create a smooth introduction into the St. Louis community. Research is a valuable tool we use to evaluate and ensure that your needs are being met in every way possible. Rest assured that your everyday activities can continue as scheduled with our superior relocation process.
Services Prior to St. Louis
Private Consultation: Upon introduction, The Kelly Hager Group will research and prepare a customized relocation plan to effectively meet all of your lifestyle preferences. During your private consultation, we guarantee full discretion and confidentiality on all matters. Any concerns or questions about relocating to St. Louis will be resolved by our experienced and knowledgeable group.
Early Relocation Information: After the initial private consultation, we will provide you with information about the local resources and a customized lifestyle guide to the different areas of St. Louis based upon your personal needs assessment. Also included will be builder information along with different properties available throughout the St. Louis area.
  • National & Local Moving Resources
  • Tax Calculator
  • Schools by Area
  • Local House and Decorating Services
  • Local Title, Insurance, & Lending Companies
Customized Lifestyle Guide: Each client’s lifestyle is unique. There are many different activities that take place both within and outside of a home. The home and area of town you choose should fit your lifestyle. We provide customized relocation packets that include the following information:
  • Restaurants
  • Parks
  • Healthcare Facilities
  • Outdoor Recreation Shopping
Personal Attention: As you prepare to move, different situations may arise that require a re-assessment of needs. If any changes arise, we are available through your preference of communication to reassess your needs at anytime.
Upon Arrival to St. Louis
Personal Introduction to St. Louis Meeting: When you arrive in St. Louis, we will introduce you to the many features of the area. During this introduction, while you become familiar with St. Louis, it is the perfect time for us to once again assess your lifestyle needs. This re-evaluation of your needs allows us to provide you with the best home options available.
Scheduled Private Tour of Property Listings: Whether you are buying or building, we will provide a list of recommended properties to view from our St. Louis Properties List website. Our recommendations are based upon your prior needs assessment consultation and our research findings. During your private property tours, your relocation specialist is available to answer any of your relocation concerns and questions.
Home Selection: We ensure a smooth introduction into the St. Louis community. Strong coordination of knowledgeable resources is the key in finding the perfect location for you in the area. Your relocation specialist will help evaluate all of your options to ensure that your needs are met in every way possible. The Kelly Hager Group will work with you from home selection through closing on your new home.
Special Accommodation Package: Moving to a new city is more than just picking a new house. You are moving your whole life. The Kelly Hager Group is full service. We are here to accommodate all of your needs, and provide you with knowledgeable recommendations and assistance of St. Louis. Your time is limited and your relocation specialist will make any accommodations and appointments fit smoothly into your schedule. Some of the special accommodations services we provide are:
  • Rental Cars
  • Airport Pickup
  • Hotel Accommodation
  • Flight & Airport Arrangements
After Your Home Selection: After you have selected your home in St.Louis, The Kelly Hager Group is always at your service. We will continue to help you with any of your home and St.Louis needs, even after your move. Whether you are looking for a plumber, a car dealership, or even a doctor, we are here to help research and provide information.

Thursday, June 14, 2012

The Kelly Hager Group guarantee

Why Buyers Choose The Kelly Hager Group

The Kelly Hager Group Guarantee
When working with The Kelly Hager Group in your home Buying, Selling or building journey, we guarantee the following:
Full access to all homes: We will consistently provide you with a latest listing update and about all homes available in the St. Louis an St. Charles markets, even listings not yet on the MLS, through our professional Missouri real estate affiliations.
Expert Local knowledge of the St. Louis and St. Charles Areas: At The Kelly Hager Group, we believe that a home is not just somewhere to go after a long day at the office. A home should encompass a client’s unique lifestyle. We understand that lifestyle dictates locale. This is why we have analyzed and evaluated the areas of St. Louis. We are happy to provide not just real estate information about each area of St. Louis, but also Schools, neighborhoods, the local economy, and more.
Consistent Market Updates: Every local real estate market absolutely has its own trends and opportunities. This can vary greatly, even one neighborhood to the next.  It’s our job to steer you into opportunities and out of traps.
Award Wining Client Service: The Kelly Hager Group consistently strives to provide our clients with the most professional service available. Winning the “Best in Client Satisfaction Real Estate Agents” award the past five years while generating over $50 million in sales was accomplished through dedication, experience, and extraordinary service.
Expert Negotiations: Negotiating with sellers can be stressful. We will help you negotiate, so that the final contract includes your best possible terms and conditions.
Private Consultation & Home Tours: You should know absolutely everything about the property you are buying! We will view every home that you are interested in, together. And prior to closing we will make you fully aware of any and all inspections available to you.
Informed Decision Making: What is the true market value of the home you are interested in? Is it priced too high? Is it a bargain that you should jump on? We help home buyers make decisions like this every day, and we’ll make sure that you get the best value for your money.
Discretion & Confidentiality: Have confidence when signing documents. Contracts are full of complicated terms and clauses that can greatly affect your future life in your new home. We will give you the full benefit of our real estate knowledge and experience.
Ask us any question about buying a home, it’s our job to help you! There’s no obligation, and we promise to respond quickly…