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Find Your Home: Ozark, Springfield, and Nixa Missouri home buying, real estate listings, and homes for sale in Christian County, MO

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Filling out the following form will give us the information we need to set up your FREE automated home search account.

The more specific you are, the more narrow our search will be...the less specific you are, the broader our search will be. This sometimes results in more 'matched' properties than you really want, so we encourage you to be specific.

One of our agents will set up your search within 48 hours and contact you by email. You will then begin receiving emails each time a new property is added to the local MLS that matches your search criteria.

If you wish to change your search criteria at any time, simply email us at info@HomeGardners.com.

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Buyers Remorse >First Time Loans

Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.

Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.

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Q	What does the term ARM stand for?
A	An ARM is an Adjustable Rate Mortgage, a loan where the interest rate is tied to an economic index that fluctuates with the market.
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The Home Gardners, REALTORŽ, real estate agents and broker for Ozark, Springfield, and Nixa Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

The Home Gardners
Keller Williams Realty
Mailing Address: PO Box 1500, Ozark, MO 65721
Physical: 500 N. 3rd St, Suite A, Ozark, MO, 65721
Main Office: 2925 E. Battlefield, Spfd, MO, 65804
The Home Gardners Team: 417-581-4900
Fax: 417-581-5025
Main Office Phone: 417-883-4900
RickGardner@NUMBER1EXPERT.com
Rick Gardner has been selling the Ozarks since 1983. He and his team "The Home Gardners" are dedicated to making sure "You Get MORE Than You Pay For!" We know real estate fees can be a lot of money, and we intend to make sure you get your money's worth! From a team of experts to a free moving truck, we will give you the best possible buying or selling experience! Suzie, our 'Home Shopping Hostess' is standing by, waiting to answer all your questions from area info to house info to 1st-time-buyer info. You'll never meet anyone nicer than Suzie, and she can't wait to meet you! .......................Licensed in the State of Missouri

Keller Williams Realty real estate and homes for sale in Ozark, Springfield, and Nixa Missouri

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