About Stone County, MO

A drive-through flu shot clinic will be held on the at the Branson West Wal-Mart Super Center parking lot on November 1, 2008 from 8 a.m. to 10 a.m. Shots are available to area residents for a donation to the Skaggs Foundation.

Besides being an area resident, you must not be ill; be at least 18 years of age; not allergic to eggs; and should not have ever had Gulliain-Barre Syndrome to receive a flu shot.

Skaggs Community Health Center Web Site

Down Payment Assistance - Missouri Bond Loans- How the bond program works in Missouri ! (edit/delete)

MHDC is able to have down payment assistance to persons buying a home with the MHDC Bond program regardless of whether or not you are a first time home buyer in some specifice counties in Missouri. This is fantastic news because these counties are now classified as a targeted area since we had some flooding in Missouri.

How the program works - MHDC Cash Assistance Program Example

You have a client buying a $100,000 home - we can do a FHA, VA or RD loan that would allow them to minimize their down payment and combine with the MHDC cash assistance program to minimize cash injection into the property. An example follows:

Purchase price 100,000

FHA financing - 97000 (3 % down payment) soon to be 3.5% down payment required.

leaves down payment amout of 3000.00 required - + closing costs

MHDC forgivable second - $2,910 (3% of the loan amount not the sales price)

This is all but $90.00 of the loan amount, and it is given in the form of a forgivable second. The forgivable second is a recorded second mortgage with 0 interest rate - and each month 1/60th is forgiven after 5 years the second is then released by the lender. This would = 2,910 / 60 or $48.50 per month.

This 48.50 is not a payment your client makes it is forgiven each month, since it is a forgiven debt the IRS says this is realized income so your client in our example would have to pay taxes on the forgiven amount each year in our example thats extra income on $582.00 or 48.50x12 months.

The closing costs in this example would be the only thing the buyer would have to come up with or the seller could pay the closing costs based on the contract negotiations.

Please note when doing this option with a VA or RD loan our loan amount is 100% and the forgivable grant would cover all of the closing costs and possibly result in the reduction of the loan amount if the forgivable second was more than closing costs.

Its a great program and we have utilized this for a number of years in targeted counties in Missouri we are seeing that this is now available whether your client is purchasing their first home or not.

**Important NOTE- anyone financing a home with tax revenue bonds will NOT be eligible to also take the $7,500 tax credit/loan in April, please note this because there could be a different loan program that we can utilize that would still enable you to do the credit.

For more information regarding this program please feel free to contact me at

417 447 7927

Darren Stewart

OakStar Bank

Heard on the news today that the Army Corps of Engineers is going to be opening the flood gates again since Gustov dumped several inches of rain here in the last day or so. Poured over 4 inches out of my gauge this morning and it was still sprinkling and I am just a half hour north of the lake along the James River. With all the creeks and rivers feeding into our Ozarks famous lake and the folks in Arkansas around Beaver Lake, which also feeds into it, got more rain than we did, it looks like another month or so till we will be able to find any decent fishing around here. Oh well, better than the droughts so many are suffering from in Atlanta and thereabouts or the hurricane damage they got along the Gulf Coast again. Those poor people have sure paid a huge price for their location in the South. Our hearts and prayers go out to you and hopefully, our donations through various organizations too!!! God bless you all!

Would you like to know more about relocation to the Tri-Lakes area of Missouri? Then you've come to the right place!

Click on this link: http://www.bransonmorealestate.com/relocationpacket.asp

Fill in your name and address. and I'll send you a relocation packet with lots of information on the area, including a map.

Also, feel free to email me anytime with questions about the area. I've lived here for over 27 years, so I KNOW the area! My email address is tammie@BransonMoRealEstate.com

My wife reminded me that this is our normal month for the most rainfall and after all we had received earlier this spring, I had forgotten that fact. Watching those wet Iowa folks helping each other out in the flooded streets of their towns reminded me of how great American neighbors really are. I talked to a farmer the other day that lost his brand new tractor in a flooded stream that he had forded sucessfully for years, but this is just not an ordinary year. I believe we are seeing new records set because we are in either a 100 year or 500 year or 1000 year cycle of flooding like we have never seen before. Unfortunately it seems there is more on the way, hang on, keep your head above water, and keep on being a good neighbor. That is what being a mid-west citizen is all about, help, give, & pray for each other.