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Welcome! Here You Can Find Great Information on Springfield, Greene County, Christian County and Webster County, Missouri Real Estate 

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Why choose Stacey?
Since becoming a realtor in 1984, Stacey Clem has proven she knows how to serve the customer. Only a select few real estate professionals ever attain Stacey’s level of expertise and qualifications as a licensed broker and MLS president holding advanced designations of GRI, CRS and ABR.  

When you choose Stacey Clem as your Realtor, you can rest assured that she will help you with every aspect of stress-free buying and selling your home or property. Call Stacey now, at 417-887-6664 or toll free at 1-800-299-5554 and let her do what she does best while you focus on your life!
 

 




Real Estate Tips
Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Real Estate Trivia
Q 
What is the oldest U.S. capitol in which a state legislature still meets in its original chambers?

A 
New Hampshire's State House
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THE CLEM GROUP, REALTOR®, real estate agent and broker for Springfield, Greene County, Christian County and Webster County, Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

THE CLEM GROUP
Coldwell Banker Vanguard

1334 East Republic Rd
Springfield, MO 65804
417-887-6664
Fax: 417-447-5779
Toll Free: 1-800-299-5554
MyRealtor@StaceyClem.com

When you choose Stacey Clem as your Realtor, you can rest assured that she will help you with every aspect of stress-free buying and selling your home or property. Call Stacey now, at 417-887-6664 or toll free at 1-800-299-5554 and let her do what she does best while you focus on your life!

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