missouri real estate: United Country VIP Realty moves to a new location in Lebanon MO - 09/01/10 04:03 PM
Whew! What a world wind week we've had!
United Country VIP Realty has said good bye to their location of almost 20 years, on the east end of Elm Street in Lebanon Missouri. (It's amazing how many boxes it takes to pack all that STUFF!)
We've moved the office down the street, to 1518 West Elm, Suite D, Lebanon MO
The new location will better serve our Lebanon MO real estate clients and customers! Here are just a … (9 comments)

missouri real estate: Are you a First Time Homebuyer in South Central Missouri? 10 things to know - 02/21/09 01:05 PM
If you're a First Time Homebuyer in Missouri - this post is for you! 
Recently, there have been so many changes in First Time Homebuyer Tax Credits I know many of you must be confused - I know I have been. Between the political party's taking, the media blabbing and then the actual changes, what we have in force has been difficult to keep track of.

As of today, I think you're safe in following this summary for the First Time Homebuyer Tax Credit of 2009: 1. A First Time Homebuyer is defined as someone who has not purchased a … (3 comments)

missouri real estate: Fannie Mae Policy Changes - impact of Foreclosure and Short Sales on your credit - 01/28/09 03:22 PM
Yesterday,  I wrote a post talking about 5 tips when considering the short sale of your home. The post was written after a local home owner, wanting to move back to their old home state, considered a short sale or even allowing their home to go back to the bank via foreclosure.This homeowner never mentioned hardship or an inability to re-pay his loan. He merely wanted *out* of his current home.I've given this some thought over the last few days - I'm not sure why this home owner thinks a short sale or a foreclosure is an easy answer. Perhaps the … (1 comments)

missouri real estate: Short Sales: What should my hardship letter say? - 01/27/09 02:31 PM
Once we start talking about Short Sales, there are many questions that pop up. The number one question I receive and that I talk about: What is Hardship? and then, What should a hardship letter say?
Broker Bryant, a real estate professional in Florida, does an excellent job of talking about what a hardship letter should say - and in the process, answers the first question, what is hardship?
I especially like his tip on "What have you done to try and overcome your hardship?" Be specific.
If you're in or near Poinciana Florida give Broker Bryant a call. If you're … (0 comments)

missouri real estate: 5 tips to remember when thinking about a Short Sale - 01/27/09 01:19 PM
A day doesn't go by that I don't see a media report, hear a radio clip or read an Internet story regarding foreclosures and short sales. So far, in Laclede, Webster, Wright and Dallas County in Missouri (four main counties that I serve), foreclosure properties, bank owned homes and short sales are not driving our market. Real estate agents, Sellers and Buyers in the area know that could change any day. Needless to say, I hope our market does not see the day when we are listing and selling more foreclosures and short sales than we are traditional transactions. But that doesn't relieve … (4 comments)

missouri real estate: Free List: 101 Reasons to Use a Real Estate Agent! - 11/27/08 12:20 PM
I'm often asked what it is that I do! I love to LIST and SELL real estate - I often take the steps for granted as some are automatic. I just do!
Here is a nifty little, okay at 101 maybe not little, list of things that a real estate agent does from start (Listing your property) to finish (at the closing table.)
If you want to sell your Missouri property in Dallas, Laclede, Webster or Wright County please call or email me today. My Lebanon MO office and our Marshfield MO office specializes in Missouri horse farms, dairy farms, country … (3 comments)

missouri real estate: Finding a good loan officer is KEY! - 10/11/08 03:51 PM
In my previous post, I introduced you to a local Countrywide Home Loan Officer, Susan Edwards. I've worked with Susan and I am confident in the service she provides my Buyers and my Sellers.
I found it fitting that stumbled about a great post by Kristin Moran, a RE/MAX agent in Texas. She has provided you with a great list of questions to ask any loan officer before doing business with them.
So no matter where you're at, Texas or South Central Missouri, I hope you'll keep these points in mind:

The best thing that has come out of … (7 comments)

missouri real estate: US Market Risk Index shows Missouri as Minimal Risk - - 10/06/08 03:51 PM
Missouri real estate still a good investment; United Country VIP Realty, Lebanon MO The Office of Federal Housing Enterprise Oversight publishes several reports each quarter regarding home ownership, home prices and other statistical charts. One such report by the OFHEO is the the PMI 2nd Quarter Risk Index. This report is used as an indicator of the likelihood for failed mortgages - in the future.  The report takes into account the likelihood of failure in the next two years. Thus the report looks to the FUTURE and is not a reflection of what the market has done in the past.

In the case of Missouri, I … (0 comments)

missouri real estate: Missouri: A state with some of the lowest closing fees in the Country (Oct 2008) - 10/05/08 12:14 PM
Bankrate.com recently released their latest survey on MSN.com: Where you'll pay the lowest loan fees
In each state, they requested a good faith estimate based on a $200,000 mortgage, assuming a 20% down payment and good credit. New York ranked the highest and North Carolina ranked the most economical.Missouri ranked 3rd in the cost comparison chart, with some of the lowest fees in the country.
While an attorney in Missouri will prepare the deed, it is not common in South Central Missouri for an attorney to actually attend closing. In fact, in all the years I've been in real estate, … (5 comments)

missouri real estate: By Donna Mitchell - Bailout Baloney - Things you need to know if Buying or Selling in Missouri - 10/02/08 02:19 PM
To say we are living in turbulent times is probably an understatement right now, today.The world is changing, the economy is changing right before our eyes. There is so much information out there - on the local news, on the cable stations, on the Internet and in print.
Where do you go? Who do you believe? What does it all mean?
I try to find a variety of sources to supplement my understanding of the issues. Blogs can be a great source of information.

Below is a blog post by Donna Mitchell, a Home Loan Consultant with Countrywide Home … (3 comments)

missouri real estate: Selling Tip #4: Qualities to look for when selecting a Realtor.... - 09/11/08 02:51 PM
If you want to sell your South Central Missouri property, you need an agent that is POSITIVE and PRO-ACTIVE. The market is changing daily - that doesn't mean it is bad nor does it mean it's good. It means it is DIFFERENT than what we've seen six months ago, a year ago, two years ago.
Vickie McCartney, from Kentucky, has provided her Sellers a checklist of qualities to look for when selecting a Realtor. These same traits hold true, be it Kentucky or Laclede, Webster or Dallas County in Missouri. I think this list is right on the money and I … (5 comments)

missouri real estate: 2841 Boardwalk, Lebanon MO 65536 {Convenient to Fort Wood} Foreclosure! - 09/05/08 03:56 PM

Offered by: United Country VIP Realty in Lebanon MOForeclosure Property! 4 bedrooms, 3 full baths, partial brick/rock home built in 2003
Executive style home on dead end street - foreclosure will allow you to buy this home at an unheard of price! This home sold for over $20,000 more in June of 2007!
Two of the four bedrooms in this home have walk in closets and full baths attached, one with whirlpool tub; two additional bedrooms off the hall. Hardwood flooring in the kitchen, dining and … (4 comments)

missouri real estate: Georgia and Missouri Realtors Ask: Is real estate REALLY local? - 08/18/08 03:04 PM
Those of you that know me, know that I read - a lot.
I read books, novels, magazines and blogs. I read the back of the cereal boxes and I read the local newspaper.
Every once in a while I come across a blog that prompts the old "Boy, I wish I wrote that." Of course, that is because I am usually agreeing with the author.
In this case the author is Lane Bailey, REALTOR & Car Guy from Georgia. (the state not the country)
I often find myself in this discussion with people - yes, real estate is local and … (2 comments)

missouri real estate: How Does Housing Recovery Act change buying Missouri Real Estate? - 08/15/08 04:31 PM
I've been doing a lot of reading lately on The Housing and Economic Recovery Act. If you haven't already taken a look, there is a ton of information and many components of the Act.
My United Country partner in Vermont, Irene Gaffigan, recently summarized the Recovery Act. While Irene makes reference to Ludlow and Okemo Mountain VT home buyers, this information also applies to buyers in the Lebanon, Marshfield and Buffalo areas of Missouri.
Thanks to Irene for such a great summary! After reading Irene's post, I do believe there are some strong points in the Act which will assist those … (0 comments)

missouri real estate: Lenders don't want to lend money in today's market! - 08/01/08 01:52 PM
I am convinced - without a doubt - lenders do not know what they are looking for in a client. Under writing rules and guidelines seem to not only be changing daily but during the day as well. I am almost convinced that lenders do not want to lend money.

We have buyers!
We have buyers with money down!
We have buyers with strong credit scores! 
We don't have a lender that will finance these purchases!
This week alone, we've had two situations where the lenders have come back multiple times, asking for more items or in Fiasco … (8 comments)

missouri real estate: Foreclosure Home in Lebanon MO with 4-leaf clovers, no extra charge! Reduced: $79,900 - 07/26/08 03:14 PM
This afternoon, I showed my new listing for the first time. In fact, the listing only went up on my website last night. The first call came in mid morning today.After we figured out we could not get into the home (a story for another time), the clients and I stood in the front yard, chatting about work, school and our kids. Almost ready to go our separate ways, my client Katie looked down to find a four leaf clover! In true Yankee fashion, I had to admit I had never seen a "real live" four leaf clover and had to grab … (8 comments)

missouri real estate: 10 questions you shoud be asked when selling your Southwest Missouri Property - 07/12/08 04:00 PM
Keeping and filing important documents while living in your home can pay off when you go to sell. Serious buyers will ask questions about your home and your property.
Being able to answer a few questions can go a long way in assisting your Realtor in marketing your home and in keeping the interest of your buyer.Here are 10 questions your Realtor will probably ask you when listing your Southwest Missouri home:1. How much do you pay in property taxes? Do you have a copy of last years tax bill?2. How much does it cost to heat and cool your home? … (4 comments)

missouri real estate: Horse Property! 18926 Hwy Z, Falcon, MO 65407 - 07/10/08 05:55 AM
United Country VIP Realty in Lebanon and Marshfield, MO
is pleased to bring you yet another prime horse property. Located in south east Laclede County, this property has nice pasture and a million dollar view... More details below and be sure to view the visual tour!
Let us help you, Find Your Freedom in Missouri. Click Here To View Flyer View Flyer Web Page … (4 comments)

missouri real estate: Top 10 Summer Tips to get your Southwest Missouri Property SOLD - 07/07/08 03:35 PM
It's getting a little warm here in Missouri. The outside thermostat is set to "heat."As the summer heat rises, the number of buyers in the area is increasing as well.So, what can you do to make sure your home/property in Southwest Missouri is on the summer sales list?
Here are a five tips:

1. Be sure your air conditioning is working properly and be sure to have it set to a comfortable temperature when you know buyers may be coming through your home. If you have ceiling fans, this may be a great time to use them. They are economical and can … (5 comments)

missouri real estate: Guard Dog? Not in Missouri. It's Guard Llama - 06/30/08 04:11 PM
A few weeks ago, I wrote a boring post asking a bunch of questions about multi-list systems. Since I had no real clip art to add value to my post, I threw in a photo of a llama.I did not get the answers that I was looking for in that post, but I did receive a variety of questions about the photo, about the llama. Llamas are very common in Missouri. In fact, even my parents have two of them: Peanuts and Emperor. Hollywood made the llama a household name. (Remember: The Emperor's New Grove?)But, Missouri farmers and ranch owners raised the status of … (5 comments)

Debbie DiFonzo, Lebanon MO  and Buffalo Missouri Real Estate (Debbie DiFonzo - United Country VIP Realty, SW Missouri) Rainmaker large

Debbie DiFonzo

Lebanon MO and Buffalo Missouri Real Estate

Lebanon, MO

More about me…

Debbie DiFonzo - United Country VIP Realty, SW Missouri

Address: 1400 W. Elm Street, Lebanon, MO, 65536

Office: (417) 532-2031

Mobile: (417) 533-4015

Email Me

Licensed to practice real estate in the State of MissouriOur office in Marshfield, MO can be reached at: 417-468-5900




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