Shelly Smith Blog

5 Suggestions for Buying a Home in Today's Hot Real Estate Market

The Market in the St. Louis area has definitely increased
Posted by Norman Polsky on April 01, 2018 in No Category
5 Ideas To Buying in a Hot Market Get pre-approved by a lender. You'll know the limits on how much home you can afford, how much money to put down, and what your interest rate will be. A pre-approval letter will assure the seller that you're ready to buy. Find a real estate agent who you can trust who will provide you with the information to make a good decision. Make a realistic must-have list. When you find a home you like . . . write a personal note to the seller telling them something about yourself and the... read more
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CONDO vs TOWNHOMES

What are the diffences
Posted by Norman Polsky on March 11, 2018 in No Category
Condo or Townhouse: What Is the Difference? St Louis is one of those unique cities where you can drive around for just 15 minutes and see a wide variety of different housing styles in that short span, from single family homes in the city on to large sprawling houses in the county. When home shopping in the City of St Louis you might want to consider a condo or townhouse. While either is a perfect starter home for first-time homeowners, small families, and single people, and both usually require owners to pay associ... read more
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What Items Effect My Credit Score

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Posted by Norman Polsky on April 10, 2016 in No Category
__  Credit Cards . A consumer might think, “Well, even though I have a dozen credit cards, I still pay them off on time. So my credit score must be fine.” That’s not necessarily true. Aside from paying on time, there are 5 other factors that have a major impact on a credit score:__Ratio of Balance to Limit Credit agencies check to see whether or not you are maxing out the limits on your cards, even if you pay them on time. In fact, the lower the ratio between balance and limit the better. Spe... read more
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Common Questions from Home Buyers and How I Answer Them I find that today’s home buyers are more educated than ever, largely due to vast Internet resources and other technologies. Being organized, informed, and confident are going to make buying your next property an exciting and rewarding process. I find that today’s home buyer is more educated than ever, largely due to vast Internet resources and other technologies that have put the majority of information online. In fact, many of my clients are sendi... read more
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St. Louis Jam-Packed with Ideal Neighborhoods

As Reported by St. Louis Post Dispatch
Posted by Michele Carley on July 15, 2013 in No Category
 Thinking about laying down roots? Any city is bound to have a few desirable nooks and crannies, but according to these real estate professionals, St. Louis is jam-packed with ideal neighborhoods. Before you buy, see which areas these agents prefer and why. Mary Beth Benes, Coldwel Banker Gundaker When you’re in Town & Country, you feel like people are always walking around. In the last year, they’ve installed these wonderful sidewalks where you can literally get from one side of Town & Countr... read more
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