Greg Tolbert, Tim Tabor and Bobby Wilson

All agents are NOT alike! Find out why we are top real estate experts. Call us: (573) 365-2311 or toll-free (800) 356-2311.

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"Thank you so much for working with us on our home purchase. It was a pleasure! [...] The boys love it out here in Brumley. [...] Take care!"
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Greg Tolbert, Tim Tabor and Bobby Wilson is one of The Top Selling Real Estate Experts™
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Welcome > Find Homes > Search All Homes > National Listings Databases...

	HarmonHomes.com "The nation's leading real estate magazine publisher with publications in over 85% all metro markets across the country. HarmonHomes.com offers 300,000 real estate listings, with almost 90% displaying color photos."
	Homes.com Millions of home buyers and sellers are flocking to Homes.com, one of the nation's top real estate websites. Search homes for sale, hot real estate markets, neighborhoods, home builders, and more.
	Immobel.com "The #1 site on the Internet for multilanguage real estate listings. Check out the best properties in the language of your choice."
	Sell.com "Sell.com classifieds is the alternative to online auctions, and includes real estate classifieds."

Don't Forget To Request A Quick Status Report On Any Homes Or Properties That Interest You!

It can take days, weeks, or longer for changes to appear on web sites. Don't waste your time with less than current information. Request our free Status Report and find out if the homes you are interested in are still on the market, under contract, in escrow, or if the price has been reduced.

The Status Report that you'll receive by email will also include other important information that has been left out or that is available to us through our professional resources, such as how long the property has been on the market, when it was last sold, what it sold for, and more.

Remember: As top Lake Ozark, Four Seasons, Osage Beach and Lake of the Ozarks area real estate agents, it's our job to know more about a property than any web site. Make sure you have the most current information!

School Reports in Lake Ozark, Four Seasons, Osage Beach and Lake of the Ozarks, Missouri

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
- America's Best School Profiles by
The Heritage Foundation

Missouri Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Lake Ozark, Four Seasons, Osage Beach and Lake of the Ozarks

Financing Your Home >When Interest Rates Rise

Many people fall out of the home buying market when interest rates start to go up. This is often a mistake. Many of the best mortgages deals become available when lenders are competing for new business and sellers are competing within a smaller buyer pool. You just have to know how to keep the costs down in order to counter the higher interest rates.

One of the best tricks is the buy-down. In a buy-down, a fee is paid at the closing to get a lower interest rate. In a soft market, an anxious seller may be lured into to paying all or part of the buy-down. Another approach is to get the seller to pay some of closing costs, thus lowering the amount of cash a buyer needs to close. Frequently the seller's costs can be used as a write-off by the buyer. Always consult with your tax advisor if you are considering such an arrangement.

If the market is softening due to rising or higher rates, the price itself becomes an area where a buyer may be able to save a lot of money on a house through skillful negotiating. Lower prices mean lower loan amounts, so don't be discouraged by higher rates--use them to your advantage.

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Q	What mortgage transactions between borrowers and lending institutions operate in the private sector of the economy?
A	Conventional mortgages are private sector transactions that are not insured or guaranteed by the government.
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Greg Tolbert, Tim Tabor and Bobby Wilson, REALTOR®, real estate agent and broker for Lake Ozark, Four Seasons, Osage Beach and Lake of the Ozarks, Missouri home listings, property and land for sale - NUMBER1EXPERT

Greg Tolbert
Al Elam Real Estate
2860 Bagnell Dam Blvd.
Lake Ozark,
MO 65049
Office -Phone:: 800-356-2311
Greg Tolbert: : 573-280-1219
Bobby Wilson: : 573-280-3949
Tim Tabor: : 573-480-4464
Fax: : 573-365-2310
Email:: gregtolbert@NUMBER1EXPERT.com

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