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Keller Williams Blog

Friday, May 10, 2019   /   by Kelsey Watters

How To Buy Your First Home in One Year

The ultimate timeline ensures the smoothest of transitions.

A real yard. Closets bigger than your average microwave. The freedom to decorate however you darn well please! Making the switch from renting to owning is exhilarating, but many rookie home buyers find the process trickier to navigate than they expected.
Determine how much you can afford. Figure out how much house you can afford and want to afford. Lenders look for a total debt load of no more than 43% of your gross monthly income (called the debt-to-income ratio). This figure includes your future mortgage and any other debts, such as a car loan, student loan, or revolving credit cards.

There are plenty of calculators on the web to help you determine what you can afford. If you’re pushing the limits, start reducing your debt-to-income ratio now. To get a reality check on what you may actually be spending every month, use this worksheet.

Make a down payment plan. Mo ...

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Friday, May 10, 2019   /   by Kelsey Watters

The History of Mother's Day

Mother’s Day is a day that is celebrated all over the world. Here in Canada and the U.S., we dedicate the 2nd Sunday of May every year to paying homage to mothers. It’s a day most commonly associated with people spending time with their mother(s) or maternal figures, who have had a great positive influence in their life. It’s a day to shower moms with love, affection and gifts/flowers. A day reserved for families to show their appreciation for their moms/stepmoms/mother-in-laws etc.

These days it has become a highly commercialized event, but if you weren’t aware it was born of simple beginnings. According to Wikipedia, it is widely known that Mother’s Day was first celebrated in 1908, when a woman by the name of Anna Jarvis held a memorial for her own mother at St Andrew’s Methodist Church in Grafton, West Virginia. (We seem to live under a rock because we had no clue about this!)

Anna lost her mother Ann Reeves Jarvis in 1905. ...

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Keller Williams
Adam Graddy
2925 E Battlefield Rd #111
Springfield, MO 65804

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