Wednesday, November 19, 2014

5 Quick Tips About Home Loans

Very few people can afford to purchase a home without the help of a mortgage loan, so getting a home loan is often one of the biggest components of buying a home at the Lake of the Ozarks. The type of loan your qualify for and the size of the loan you can be approved for are largely responsible for dictating which home you will be able to buy. Gattermeir Davidson Real Estate is here to help you simplify the process with these five quick tips about home loans.

1. Loans Are Not "One Size Fits All"
Home loans come in many different shapes and sizes. Some loans have fixed interest rates, some have adjustable rates. Some loans require a minimum 5% down payment, others require more or less. Most home loans span thirty years, but others only cover fifteen or twenty years. An experienced mortgage lender will be able to help you determine which type of loan will be best suited for you and your needs.


2. Loan Amounts Depend Greatly On Your Credit Score
Your credit report is a number used to indicate your financial responsibility. Higher numbers are earned by making smart financial decisions and paying off your debt on time. The amount of loan you will be approved for (and the interest rate you will have on your loan) will be based off of your credit score. Higher numbers will give you access to greater loan amounts and lower interest rates.

3. There Are Conventional Loans And Non-Conventional Loans
Home loan applicants can choose between two types of loans: conventional and non-conventional. Conventional loans typically have certain requirements their applicants must meet, such as higher income levels and the ability to provide 5%-20% down payments. Non-conventional loans are generally given to people who do not meet the requirements for conventional loans. Non-conventional loans are backed by three independent agencies: the U.S. Department of Veterans Affairs, the Federal Housing Administration, and the U.S. Department of Agriculture.

4. Loan Pre-Qualification Is Not The Same Thing As Loan Pre-Approval
There are several steps in the loan approval process, the first of which is pre-qualification. For this step, the buyers discuss their financial assets, incomes, and debts with a lender who can then give them an idea of the type of home loan that will best suit their needs. The next step is pre-approval, wherein the lender conducts a thorough investigation of the buyers' credit history and verifies their income and debt information. By the end of the pre-approval process, the buyers should have a statement in writing saying they have been pre-approved for a specific home loan amount.

5. Loan Pre-Approval Requires Your Official Financial Documents
If you're looking to get pre-approved for a home loan in the near future, you can simplify the process immensely by gathering your official financial documentation ahead of time. In order to be pre-approved for a loan, the lender must investigate your income, debts, and credit history. At the very least, most lenders require the last two years of your tax returns, your recent W-2, last two pay stubs, and current bank statements. Preparing these documents in advance will help your pre-approval process go much more quickly and efficiently.

If you're considering buying a Lake of the Ozarks home in the near future, we strongly recommend you begin working with a lender to get pre-approved for a home loan sooner rather than later. As experienced real estate professionals at the Lake, we have seen many hopeful buyers fall in love with a home before getting pre-approved, which can create a lot of unnecessary stress for everyone involved. Beginning the pre-approval process before touring homes will not only ease the stress of the approval process - it will also give you a better, more concrete understanding of the type of home you will be able to afford.

Questions? The team at Gattermeir Davidson would be happy to try to answer them for you! Give us a call today. (877) 870-5253

NOW is the perfect time to buy a Lake of the Ozarks condo or home. For real estate at Lake of the Ozarks, contact the Gattermeir Davidson team. We feature lakefront homes, condos, lake lots, and commercial real estate at Lake of the Ozarks. For more information on our properties in the Lake of the Ozarks area stop by our office near Bagnell Dam in Lake Ozark or call us toll free 877-870-5253.

Stay connected with Gattermeir Davidson Real Estate, LLC

2011 REALTOR Salesperson of the Year
Missouri Association of Realtors

Gattermeir Davidson Real Estate, LLC
752 Bagnell Dam Blvd., Suite A
Lake Ozark, MO 65049

Office | 573.365.1555
Fax | 573.365.1766
Mobile | 573.746.0133

Thursday, November 13, 2014

Modern, Spacious, & Elegant. It's Waiting For You!

Home Sweet Home.

There's No Place Like Home.

Home Is Where The Heart Is.

If you're looking for a new home at the Lake of the Ozarks, you're going to want to find one that resonates with you on a deep emotional level. One that feels like "home" in every sense of the word. One that you can imagine coming home to after a long day at work, one that you can see filling up with friends and family over the holidays, one that you want to share with kids, grandchildren, spouses, and pets. 

If you're looking for a home that can perfectly complete all of those pictures and more, you definitely won't want to miss this magnificent waterfront home in Camdenton, MissouriWith this beautiful structure to call home, you and your family will be ready to take on the world!

At a Glance

This single-family detached home has everything you need to build a beautiful nest at the Lake of the Ozarks. Completely remodeled in 2010, this home features all new doors, HVAC, cabinets, and paint distributed throughout...
  • 4 bedrooms
  • 4.5 bathrooms
  • 4,200 sq. ft.
  • 2.5 stories
  • 4-car garage

The Necessities

Behind all the beautiful bells and whistles, this rustic yet modern home has all of the essential ingredients of comfortable lake living. Enjoy top-of-the-line kitchen appliances, including a refrigerator, dishwasher, microwave, and stove. The home also already has a water softener installed - and don't forget about the washer and dryer that come included with the home!

The Perks

While this home obviously comes with all of the ordinary household goods, it is certainly no ordinary home! Enjoy a multitude of outstanding homeowner perks, including...
  • Tile floors
  • Stamped concrete decks with metal handrails
  • Four-seasons room
  • Great cove location with space for a large dock!
  • 2 wood-burning fireplaces
  • Walk-in closets
  • Workshop, and
  • HOT TUB!

It's true; home really is where the heart is. If you're feeling unsure about whether or not you want to schedule a showing for this Lake of the Ozarks home, then just take a second to listen to your heart... You already know the answer!

NOW is the perfect time to buy a Lake of the Ozarks condo or home. For real estate at Lake of the Ozarks, contact the Gattermeir Davidson team. We feature lakefront homes, condos, lake lots, and commercial real estate at Lake of the Ozarks. For more information on our properties in the Lake of the Ozarks area stop by our office near Bagnell Dam in Lake Ozark or call us toll free 877-870-5253.

Stay connected with Gattermeir Davidson Real Estate, LLC

2011 REALTOR Salesperson of the Year
Missouri Association of Realtors

Gattermeir Davidson Real Estate, LLC
752 Bagnell Dam Blvd., Suite A
Lake Ozark, MO 65049

Office | 573.365.1555
Fax | 573.365.1766
Mobile | 573.746.0133

Monday, November 3, 2014

5 Brilliant Kitchen Organization Ideas

Home organization... that necessary evil in all of our lives. If there's one thing all homeowners at the Lake of the Ozarks can agree on, it's that you can never truly be finished organizing your home - but that doesn't mean it's not worth the effort! 

Having a beautifully or cleverly organized home can make your life much easier while giving you a unique sense of pride that only homeowners can fully understand. Organizing your whole home is an ambitious undertaking, so it's usually a smart idea to only tackle one room at a time. For this post, the Gattermeir Davidson Real Estate Team put their heads together to come up with some of our favorite kitchen organization ideas. 


Get Hooked
Never underestimate the power of adhesive hooks! Incredibly affordable and easy to install, these brilliant little inventions are an organizer's dream in the kitchen. Stick them anywhere - inside your cabinets, alongside your cabinets, hutches, or refrigerator - to store anything from dishrags to mixing spoons. Your life will never be the same!

Make The Most of a Sticky Situation
Are there certain recipes that you're always digging through your cookbooks or recipe box to find? Gather your favorite recipes and tape them to the inside of your cabinet. You'll never have to waste time tracking them down again - and you'll save them from any more cooking stains!

Think Outside of the Box
Who says all of your little boxes have to take up valuable drawer space? Tape or glue magnets on the side your frequently used boxes (those containing Ziploc bags, tin foil, saran wrap, etc) and stick them on the side of your fridge. They'll be much more easily accessible, and your drawers will be free to hold other things.

Think Inside of the Box
Tiny tupperware containers are good for storing more than just food! Use small, clear containers to store miscellaneous items that are notorious for cluttering up kitchens, such as twist-ties, rubber bands, and clothespins. We even heard of someone who designated one of these little containers to holding Band-Aids so they could avoid a run to the bathroom in the event of a kitchen-related accident.

Spice It Up
We came up with several great ideas for organizing your spice cabinet. One option is to put your spices in a drawer, rather than a cabinet, and use sticky notes or tape and a permanent marker to write the names of the spices on top of their lids. This way, all you have to do is slide your drawer open and scan the tops of the lids to find the one you need. You can also place a cookie sheet underneath all of your spices in the cabinet, so you can slide them all out at once to find the one need more easily.

We hope you find these kitchen organization ideas helpful! By following these simple suggestions, you'll be well on your way to designing your beautiful home at the Lake of the Ozarks.

What other tips and tricks do you use to organize your kitchen? We're always looking for more great ideas!

NOW is the perfect time to buy a Lake of the Ozarks condo or home. For real estate at Lake of the Ozarks, contact the Gattermeir Davidson team. We feature lakefront homes, condos, lake lots, and commercial real estate at Lake of the Ozarks. For more information on our properties in the Lake of the Ozarks area stop by our office near Bagnell Dam in Lake Ozark or call us toll free 877-870-5253.

Stay connected with Gattermeir Davidson Real Estate, LLC

2011 REALTOR Salesperson of the Year
Missouri Association of Realtors

Gattermeir Davidson Real Estate, LLC
752 Bagnell Dam Blvd., Suite A
Lake Ozark, MO 65049

Office | 573.365.1555
Fax | 573.365.1766
Mobile | 573.746.0133

Tuesday, October 28, 2014

Funny Last-Minute Halloween Costumes!

"Mommy! Daddy! Let's go trick-or-treating this year!!" The eager young faces beam up at you, and you can't possibly resist. You smile, help them plan a costume, and get ready to enjoy a night of spooky family fun. 

You're just about to walk out the door, but then a young hand pulls you back. "Wait, where's your costume? You can't go without a costume!" 

Does this sound familiar - or like a very real possibility? Don't get caught without a costume this Halloween! Gattermeir Davidson Real Estate is here to help you out with some of our favorite easy, funny, last-minute Halloween costume ideas. 

Tacky Tourist
This is the perfect quick costume (especially for the Lake of the Ozarks)! Grab some khakis or swim trunks and the brightest shirt you have, and embellish away. Fanny packs, socks and sandals, binoculars, giant cameras, and flower leis barely scratch the surface of everything you can use to complete this look.

Identity Thief
This costume is as easy as it is funny! Write different names on a bunch of name tags, stick them all over your shirt, and you'll be good to go.

Ceiling Fan
This pun-tastic costume couldn't be easier! Use duct tape to write the words "Go Ceiling!" across your shirt, grab a couple pom-poms, and you'll be set.


Three Blind Mice
Have a few friends that also need costumes? This one is perfect! All you need are matching grey sweatsuits, mice ears (which can be purchased or handmade) pink slippers, and dark sunglasses. Use eyeliner to draw a dark nose and a few whiskers on your cheeks, and you'll be set.

Ghost
Nothing wrong with the classics. An old white sheet with holes cut out for eyes is all you need to create this costume. If you want, you can jazz it up a bit by using a permanent marker to draw a howling mouth and dark circles around your eye holes.

Costume Not Found
Your inner nerd will love this one. All you need is a written "Error 404: Costume Not Found" message on an old white t-shirt.

We hope you find these ideas helpful! If you love trick-or-treating at the Lake and want to become a permanent member of the Lake of the Ozarks community, come see Gattermeir Davidson Real Estate about finding a new home at the Lake!

Got a Halloween costume you're particularly proud of? Tweet your pictures to @Gattermeir - we'd love to see them!

NOW is the perfect time to buy a Lake of the Ozarks condo or home. For real estate at Lake of the Ozarks, contact the Gattermeir Davidson team. We feature lakefront homes, condos, lake lots, and commercial real estate at Lake of the Ozarks. For more information on our properties in the Lake of the Ozarks area stop by our office near Bagnell Dam in Lake Ozark or call us toll free 877-870-5253.

Stay connected with Gattermeir Davidson Real Estate, LLC

2011 REALTOR Salesperson of the Year
Missouri Association of Realtors

Gattermeir Davidson Real Estate, LLC
752 Bagnell Dam Blvd., Suite A
Lake Ozark, MO 65049

Office | 573.365.1555
Fax | 573.365.1766
Mobile | 573.746.0133

Tuesday, October 21, 2014

Meet the GATTERMEIR in Gattermeir Davidson!

The best real estate agency at the Lake of the Ozarks is led by three talented and dedicated co-owners: Ed Schmidt, Conda Davidson, and Ryan Gattermeir. You had the opportunity to get to know Ed and Conda a few weeks ago when we published "getting to know you" blogs about each of them. Now, you have the opportunity to get to know Ryan as well!

How long have you lived at the Lake of the Ozarks?
I have lived in the Lake area my entire life. In 1997 (after attending college), I moved away to St. Louis, where I held several corporate sales and management positions. In 2000, I moved back to the area with my now wife, Jen, and we have been here ever since.

Where did you attend college? Were you a member of a fraternity?
I attended Westminster College in Fulton, Missouri - my dad's alma mater. I was a member of Kappa Alpha Order Fraternity.

How did you get involved in the real estate industry?
Well, thanks to my father, Bob Gattermeir, you could say that I was always involved in real estate at the Lake of the Ozarks. He has been a REALTOR at the Lake since 1970. 

What is your position at Gattermeir Davidson? What is your favorite part about your job?
I am a Broker/Owner at Gattermeir Davidson Real Estate, along with Conda Davidson and Ed Schmidt. We founded the company together in 2008. Prior to that, I was a Broker/Salesperson with my father's real estate company.

Who is your family? Do you have any pets?
My wife is Jennifer. Our daughter, Ellie, is nine and our son, Nicholas, will be four this year. We have two pets: Rosie the labradoodle and Annie the cat.

What is something very few people know about you?
I legally became an ordained minister a few years ago (only for the purpose of marrying one of my best friends, per his request).

What is your favorite movie?
A Time To Kill with Morgan Freeman and Matthew McConaughey is one of my favorites, along with pretty much anything with Robin Williams in it.

What do you enjoy doing in your spare time?
Mostly, I enjoy boating and traveling in my spare time... and - of course - spending time with my family, too!

When you were little, what did you want to be when you grew up?
That was too long ago... I can't remember!

If you could have any superpower, what would it be?
To read people's minds. It would be handy in real estate sometimes!

NOW is the perfect time to buy a Lake of the Ozarks condo or home. For real estate at Lake of the Ozarks, contact the Gattermeir Davidson team. We feature lakefront homes, condos, lake lots, and commercial real estate at Lake of the Ozarks. For more information on our properties in the Lake of the Ozarks area stop by our office near Bagnell Dam in Lake Ozark or call us toll free 877-870-5253.

Stay connected with Gattermeir Davidson Real Estate, LLC

2011 REALTOR Salesperson of the Year
Missouri Association of Realtors

Gattermeir Davidson Real Estate, LLC
752 Bagnell Dam Blvd., Suite A
Lake Ozark, MO 65049

Office | 573.365.1555
Fax | 573.365.1766
Mobile | 573.746.0133

Wednesday, October 15, 2014

How Much Do You Know About The Lake?

The Lake of the Ozarks is renowned as the best place to own a second home in the Midwest. People travel from miles around to soak up some sunshine, break out their fishing rods, get their shopping on, or relax on their private waterfront docks at the Lake. Despite their love of this great destination, however, many people do not know very much about the Lake of the Ozarks. How was the Lake formed? When was the Lake created?

That's why the Gattermeir Davidson Real Estate team has put together a list of some of the top fun facts about the Lake of the Ozarks. Who's excited to learn more about this great destination?!

Bagnell Dam was completed in 1931, which officially formed the Lake of the Ozarks.

At its greatest depth, the Lake of the Ozarks is 130 feet deep.

The surface of the Lake covers approximately 61,000 square miles.

There are more than 1,150 miles of shoreline along the Lake of the Ozarks - more than the coast of California!

Of all people who own two homes in the Midwest, 40% own one of them at the Lake of the Ozarks.

The original purpose of Bagnell Dam was to supply electricity to St. Louis.

From one end to the other, the Lake of the Ozarks spans 92 miles.

The Lake is home to approximately 70,000 docks.

There are 900 campgrounds around the Lake area.


When it was first built in 1931, the Lake of the Ozarks was the largest manmade lake in the world.

Today, the Lake of the Ozarks is the second largest manmade lake in Missouri (behind Truman Lake).

It took 20,000 workers two years to finish building Bagnell Dam.

Bagnell Dam is 2,543 feet long.

The Lake of the Ozarks holds roughly 617 billion gallons of water.

The town of Linn Creek is in its second location - it was moved after construction plans for the Lake of the Ozarks indicated that its original location would be flooded when the dam was completed.



If you would like to become a proud homeowner at the Lake of the Ozarks, don't hesitate to contact Gattermeir Davidson! We would be thrilled to help you become a permanent member of our beautiful community.

NOW is the perfect time to buy a Lake of the Ozarks condo or home. For real estate at Lake of the Ozarks, contact the Gattermeir Davidson team. We feature lakefront homes, condos, lake lots, and commercial real estate at Lake of the Ozarks. For more information on our properties in the Lake of the Ozarks area stop by our office near Bagnell Dam in Lake Ozark or call us toll free 877-870-5253.

Stay connected with Gattermeir Davidson Real Estate, LLC

2011 REALTOR Salesperson of the Year
Missouri Association of Realtors

Gattermeir Davidson Real Estate, LLC
752 Bagnell Dam Blvd., Suite A
Lake Ozark, MO 65049

Office | 573.365.1555
Fax | 573.365.1766
Mobile | 573.746.0133

Thursday, October 9, 2014

Waterfront Castle For Sale in Osage Beach!

It has been featured in not one, but TWO luxury living magazines. 

Its custom build and design boasts perfection from every angle.

And now, it could be YOURS!

Gattermeir Davidson Real Estate is here to give you an unofficial tour of one of the most stunning waterfront homes at the Lake of the Ozarks that we have ever seen. Whether you're dreaming peacefully in the magnificent master suite, entertaining like royalty in the gourmet kitchen, or soaking up some much-needed relaxation at the lakeside saltwater pool, this incredible home is sure to make your spirits soar!

In addition to a Lake of the Ozarks view that doesn't stop, this home - no, this castle - offers...
  • Two Decks - one covered and one uncovered
  • Storm Shelter / Workshop
  • Screened-In Porch
  • Private Pool
  • Media/Theatre Room
  • Intercom System
  • Security System
  • Vaulted Ceilings
  • Walk-In Closets
  • 3-Car Garage
  • 6 Bedrooms
  • 7.5 Bedrooms
  • 6,380 square feet

This unparalleled home offers everything that a homeowner could want and more. No matter where you are in this five-suite home, you'll be privy to the most exquisite view the Lake of the Ozarks has to offer. 

Don't forget about all the extra bells and whistles! This lakefront mansion also features a large elevator, upscale wood floors, tile, granite, a jetted tub, a wet bar, and the window treatments are included!



It's time to stop planning and take action. Gattermeir Davidson Real Estate Team can help you turn your dream home at the Lake of the Ozarks into a dream reality!

NOW is the perfect time to buy a Lake of the Ozarks condo or home. For real estate at Lake of the Ozarks, contact the Gattermeir Davidson team. We feature lakefront homes, condos, lake lots, and commercial real estate at Lake of the Ozarks. For more information on our properties in the Lake of the Ozarks area stop by our office near Bagnell Dam in Lake Ozark or call us toll free 877-870-5253.

Stay connected with Gattermeir Davidson Real Estate, LLC

2011 REALTOR Salesperson of the Year
Missouri Association of Realtors

Gattermeir Davidson Real Estate, LLC
752 Bagnell Dam Blvd., Suite A
Lake Ozark, MO 65049

Office | 573.365.1555
Fax | 573.365.1766
Mobile | 573.746.0133