Judi Cloyd - Pinnacle Real Estate Agent

When shopping for a second home at the Lake of the Ozarks , take your time and weigh the pros and cons of every place. In this blog, I will discuss three helpful tips when buying a second home; knowing what to look for, the right time to buy, and determining if it's worth the money. Know what to look for when buying a second home. Research the area first, especially if you are buying a vacation home. Consider renting a place near the home you are looking at and getting a feel for the area. Make sure you like the area first, before you invest in real estate there. Socialize with the locals. You may have visited the area for years, but getting a local perspective can be very helpful. Visit the Lake of the Ozarks during each season. Try out restaurants, shop at the grocery stores, and check out the public school system. Even if you aren't considering having kids or sending your kids to school there, homes located in a great school district have more value. Look at oth

Insuring your home is vital and you should definitely know the ins and out of homeowners insurance. If you are getting a mortgage to purchase a home, then legally you have to have homeowners insurance, but if you aren't, as a real estate agent at the Lake of the Ozarks , I still recommend having it to ensure peace of mind. Insuring the Structure of Your Home There are 3 ways to insure the structure of your home: 1. Replacement Cost This will cover the cost of replacing the damaged property without deduction for depreciation, but up to a limited dollar amount. 2. Extended Replacement Cost This will cover costs up to a certain percentage over the limit, usually 20%.  This is good to have especially, for example, a sudden increase in construction costs. 3. Actual Cash Value This cover the cost to replace your home, except for the depreciation costs. For example, if you have a roof expectancy of 20 years but its 15 years old, the cost replace it today will be much

I represent my clients with honesty and integrity to meet their needs and achieve their goals. In doing so, I like to educate my clients on the deep, rich history behind the Lake of the Ozarks and how it came to be such a great place to live. In this blog, I will discuss the interesting history behind boating at the Lake of the Ozarks , how the Bagnell Dam came to be, and information regarding houses for sales near historical sites. Boating at the Lake of the Ozarks History In the 1940s, after World War II started to end, people began to spend their money on more leisure activities. Boating started to significantly increase at the Lake of the Ozarks. After the war, boat manufacturing boomed. For thousands of years, boats were made from wood, but new materials, such as aluminum, started to make head way. Aluminum was prevalent in the aircraft industry  during the war, afterward it became a cheap material due to all of the surpluses once the war was over. Aluminum boats started

Finding my clients their dream homes at the Lake of the Ozarks is my true passion. I make sure my clients feel good about the buying process and are happy with their purchase. While, I do help clients sell their home I specialize in assisting clients who are looking to buy a home. In this blog, I will discuss all of the services I can provide for you. Education of the Current Real Estate Market The real estate market can be tricky and confusing, especially to first time buyers. In my 10 years of experience I have developed the knowledge and credibility needed to not only find you your dream home, but to help you understand all of your real estate options and the current market status. Walk Through of the Buying Process When buying home, you must know the proper steps to go through in doing so. I will help you through. You must: Have a plan for the down payment Try to get pre-approved or pre-qualified Decide on the prime location you want to live in Figure out the MU