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We are so excited to officially announce our new affiliation with COLDWELL BANKER VANGUARD, REALTORS®!! 
Coldwell Banker is one of the leading real estate franchises in the world, and they are well known both across the country and internationally.
The Springfield Missouri office is the proud home of many of the most successful, full-time agents in the area who have been with this great organization for many years. We are thrilled to be working with the highly skilled office staff and management plus access to their state of the art website, expert training and support, and tools to help our buyers and sellers.
We feel it is a perfect match for us as we continue to build our business
and a wonderful opportunity to serve our clients even better. We are
looking forward to a lasting relationship and already feel like part of the
family.
One of Coldwell Banker's favorite slogans is 'Expect the Best'. We always
strive to be 'the best', so please call us at our new real estate home!
Don't forget to tell your friends and neighbors we are here for their real
estate needs.
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"The FBI has rejected your finger prints" the caller told me!
WHAT???
Not exactly what I expected to hear first thing Monday morning.
"What do you mean - rejected?" I asked. " Why were my prints rejected?" There wasn't much explanation given. Many agents in our Board were finger printed after a recent meeting. This is new in Missouri, agents are now required to have fingerprints registerd and on file with the Missouri State Highway Patrol, prior to our license renewal.
I cannot recall a single time that a real estate agent robbed a bank or attacked a client. This goes against my concerns for privacy, but I still like being a real estate person so I went and had them redone last week.
Guess I won’t rob a bank or a client this week.
BUYING OR THINKING OF SELLING - CALL JOAN 417-846-7128
TRI-LAKES REALTORS 417-858-3344
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Hi Everyone,
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Sand Bar by SelectAnn

Real estate needs: www.SelectAnn.com .
For all your real estate needs in the St. Louis area, specializing in helping my clients as a buyer's agent and as a marketing specialist. I utilize the latest technology to assist in the sale of you home as well as your purchase.
Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!
All rights reserved and may not be reproduced or reprinted without express written permission of Ann Hayden, real estate agent with Prudential Select Properties Chesterfield, Ballwin, Wildwood Office. Information deemed reliable but not guaranteed
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Should I apply for a VA loan?
If you're a Veteran, Active Duty Personnel, Reservists/National Guard member, or possibly a surviving spouse you should consider the VA loan.
How it works. Offers 100% financing. A VA funding fee of 0 to 3.3% (this may be financed) of the loan amount is paid to the VA. When purchasing a home, veterans may borrow up to 100% of the sales price or reasonable value of the home, whichever is less. When refinancing a home, veterans may borrow up to 90% of reasonable value in order to refinance where state law allows.
You will need a certificate of eligibility (COE) before you can get a VA backed loan.
It is generally easier to qualify for a VA loan than conventional loans.
How to get a COE for your lender.
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