Tuesday, August 31, 2010

Tennessee is a Caring, Compassionate State of Volunteers

Tennessee is nicknamed The Volunteer State for very good reason. A huge number of volunteer soldiers fought in the significant Battle of New Orleans during the War of 1812, thereby earning the nickname.
Today, the volunteer spirit is alive and well. In the spring of 2010, a stalled weather pattern sat over the state dumping dozens of inches of rain throughout a week-long period. The result was massive flooding the deluged residents from Memphis to outside of Nashville. Thousands of homes were underwater and many families and businesses lost everything.
One family of ten located in a 1200 square foot home had water to within a foot of the ceiling. All their electronics, clothes, furniture, photos, and other belongings were ruined. Another family had water that only came in and rose a foot. That family lost furniture, shoes, electronics, and kitchen and bathroom cabinets. In addition, 24 inches (half a 4x8 ft. piece of drywall) of wall from the floor up were removed due to water damage, and all the flooring throughout the entire home was ruined.
Not only did FEMA step into help these and all the other families, but community volunteers rallied around these people in need. The famous celebrities of the state put on a show to raise millions for flood relief, but on a local level emergency shelters were set up, homes were opened neighbor to neighbor, and local businesses collected drinking water, gift cards, and other emergency items. When the work began, Facebook was filled with messages asking for volunteers to help. One laid off construction worker - a stranger - arrived at a home to pull up the difficult Pergo flooring, then he kept returning to lay new tile and hardwood. Another volunteer arrived with a mop and rubber gloves and proceeded to scrub the entire house to remove dangerous bacteria. A classically trained designer volunteered to decorate. A Realtor painted room after room.
Tennesseans care about each other and they show it by helping get people in their homes. As a result of the flooding, real estate values in specific houses will sink where repairs are not adequately or professionally made. In addition, monthly payments will increase for homeowners as they pay flood insurance for protection in the event of future flooding.
On the positive side, most of the homeowners who have repaired their real estate are finding their homes now in better condition than they were before the flooding. With new cabinets, fresh paint, new flooring, new appliances, new vents, new trim, and new furniture, if they choose to sell buyers will appreciate getting a "like new" home for the price of an existing residence.
Most importantly, however, people who buy homes will find their communities are filled with compassionate, caring people.

Tennessee Mortgage Rates
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Tennessee mortgage rates, home buying tools, average home value, real estate market trends

Monday, August 30, 2010

From the Mountains to Graceland

Having lived in numerous states and visiting all but three, it is easy to say that Tennessee encompasses one of the most beautiful areas of the country. From the tall Smoky Mountains in the Eastern part of the state, the rolling hills and river communities of central state, and Memphis, the gateway of the Mississippi Delta, all but ocean geography are represented.

In addition to the opportunities offered by outdoor Tennessee, residents also enjoy living free from state income tax. Businesses are also favored with a workforce diverse in that there are both highly educated staff available, as well as manufacturing savvy employees. The post-secondary education system offers residents higher learning opportunities through technical, community college, four-year state institutions, and well-known private schools like Vanderbilt University.

With the combination of these economic, educational, and recreational factors, not only is the population stable, but the housing market has also maintained a strong presence with the exception of overbuilt new construction and pockets of stigmatized neighborhoods.

While housing values have dropped, real estate sales have not completely stopped as in some parts of the nation. For example, Memphis five years ago, the average price of a home was $109,000. Today the average price is $110,000. While there were many dips throughout the 60-month period, that the prices have now caught up with the values of five years ago is significant and a perfect example of why Tennessee is a popular state in which to live.



 
Throughout the entire state, there are both affordable homes in all the major metropolitan areas, along with upscale communities. For example, in Nashville you can find a $70,000 home in good condition only miles from mansions owned by celebrities like Wynona Judd, Keith Urban and Nicole Kidman, Taylor Swift, and a host of other famous musicians and actors.

Again in Memphis, you'll find very affordable homes alongside one of the most famous pieces of real estate in the South. Graceland - the well loved home of Elvis Presley - remains open today for the public to tour. Purchased by the man who made rock and roll famous in 1957, the home is built with limestone and decorated with only the best designs of the era when the king reigned supreme.

Graceland is one piece of real estate that will likely not be sold for a very long time. Buyers locating to Tennessee will not be disappointed with what's left, though. Tens of thousands of diverse, beautiful, affordable, expensive, and manicured homes are available at any given time in Tennessee - waiting for the right buyer who wants to call the Volunteer State home.

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Thursday, August 26, 2010

Idaho Not For The Faint of Heart

Reading into some of Idaho's history, you'll discover people like Polly Bemis a Chinese woman who was sold into slavery as a child, moved to San Francisco, and eventually bought her freedom from an Idaho bartender. She established a boarding house and was one of the first pioneers to settle Idaho. You'll also read about Sacagawea, the famous American Indian who guided Captains Lewis and Clark as the traveled west. Then there’s Gutzon Borglum, the famous sculptor who the Mount Rushmore Memorial in the Black Hills of South Dakota.

Idaho is not for the faint of heart. Instead the beautiful state seems designed for people who love the outdoors, like adventure, and crave natural beauty. The small towns of Idaho have produced numerous famous people, those who excel in politics, athletics, and entertainment. And it's in these small towns that people are finding beautiful real estate to settle as their new homes.

About midway between Boise and Pocatello is a little town called Sun Valley where Ernest Hemingway spent his last years. Living in Sun Valley is not inexpensive. There are only three houses now available listed below $200,000. Two of these have less than 600 square feet and the one larger house is pink with green trim.

Homes priced over $200,000 are lovely and all have a rugged mountain feel. Wood-lined walls, beamed ceilings, and panoramic views highlight the real estate of Sun Valley.

A couple of famous people hail from Rupert, Idaho. CNN news anchor Lou Dobbs and Bill Fagerbakke, the voice of Patrick on SpongeBob Square Pants and former actor on the television series Coach, attended Minico High School in the town of just under 6,000. Most properties are listed below $100,000, but they do extend up to the mid $300's. Rupert is an agricultural farming community that borders the Minidoka Wildlife Refuge, comprised of wetlands and an arid climate.
Finally famous Olympian and alpine skier Picabo Street was born in Triumph, Idaho. With a population of just 50 people, real estate is very challenging to find. Instead, buyers would have to search for homes and land in nearby Hailey, Idaho.

Nestled next to Sun Valley, homes in Hailey are also expensive, but affordable homes can also be found easily. The joy of living in this area - whether you're in it for a $500 p/month mortgage payment or a $5,000 p/month lien - is that no matter what direction you drive, you'll find gorgeous views of the Sawtooth Mountains.

Real estate in Idaho is truly the most beautiful in the nation, for slim or fat pocketbooks, or for nature lovers and adventurers everywhere.

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Idaho mortgage rates, home buying tools, average home value, real estate market trends

Idaho Not For The Faint of Heart

Wearing a 10-gallon hat, snakeskin boots, and a handlebar mustache, the cowboy strums his guitar and says the warm words,

May the warm winds of heaven
blow softly on your house
and may the Great Spirit
bless all who enter there.

Cowboy poets are plentiful in Idaho, just like the availability of ranches, homes, and other real estate options. And in Idaho, homeowners take pride in their houses just as the cowboy poets do their words and songs.

One of the most popular Idaho destinations is Coeur d’Alene – named the heart of the awl by French settlers. The town is primarily known for its resort amenities because of the beautiful lake, festivals, bistros, and other recreational activities. Houses are available both in the thriving downtown and the nearby forestland and wooded areas, allowing for either fun-loving or privacy-seeking buyers.

In the city, buyers can find a large selection of homes – from the cozy cottages of a winter climate to two-story modern designs. Prices average in the mid-$100’s, including $120,000 to $175,000. Given the extensive winters, the homes are built to stay warm with double paned windows, fireplaces, and insulation throughout. There is no shortage of light, though, because most homes have big windows to allow maximum sunshine in to warm the residents.

Luxury condominiums are also available in Coeur d’Alene – especially with views of the lake and mountains. While many of the condos are priced quite high (for the exclusive properties like Coeur d’Alene Terraces), others are more moderately priced in the low $200,000’s. While panoramic scenery is spectacular outside the windows and decks of the condos, the amenities inside are found in any modern home, including stainless appliances in the kitchen, tile in the wet areas, and neutral carpet and paint colors throughout the rest of the home.

Homes nestled closer to the mountains are also available in a variety of prices. Real estate made of floor to ceiling windows start in the upper $400,000’s, but older homes that have served as homesteads through the last few generations are in the low $100,000’s.

No matter where you choose to live in Coeur d’Alene, however, one thing is for sure: there will be a variety of outdoor activities for enthusiasts at any level, beginner outdoorsmen to the highly experienced. Fishing, jet skis, hiking, hunting, riding snowmobiles, concerts, shopping, boutiques, and fine dining… it’s all there for people who choose to make Idaho their home.

Idaho Mortgage Rates
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Gulf Shores - Where the Locals Vacation

For people firmly rooted in the dirt of the interior U.S., living on the ocean seems but a dream. However, you don't have to live right on the sand to experience the full benefits of a beach lifestyle. There are many properties within a 15-minute walk to the oceanfront, especially in Gulf Shores, Alabama. And if you're willing to walk a little - or go on a short drive - those properties become affordable for even the most frugal budgets.

A three-bedroom, two bath cottage home is available in Gulf Shores for $135,000. Located just five miles from the ocean, the clean home with crown molding, cathedral ceilings, and an open floor plan is next to state park land so privacy is also assured. There are numerous new construction homes also available for under $130,000. Where a buyer would get a subdivision lifestyle, they would also have all new appliances, flooring, paint, cabinets, and yard. One craftsman style home has 1600 square feet, three bedrooms, two baths, a two-car garage, garden style bathtub, and is listed at $129,900.

If your pocketbook allows for a more expensive home, a home on the river or a few blocks away from the ocean could be a good option if you'd like to keep the price below $500,000. To live on the ocean, however, count on spending a half million or more. One home currently listed for $399,000 is just one block from the ocean. The fun, eclectic house features tile stairs, built in shelves in the living room, a glorious wraparound deck, and new roof, new paint, and storm windows and doors throughout.

If you live one block from the beach, how would you spend your free time? Walk to the pier with a fishing pole for some fresh seafood for dinner. Bring a towel, comfortable chair, lots of sunscreen, and a good book to spend an afternoon soaking in the rays. Or if you're an early bird type, walk to the ocean with a basket to collect sand dollars and conch shells for your craft projects or shell collection.

Fresh seafood is always an option in Gulf Shores, Alabama. Whether you prepare it yourself as a resident or if you dine at one of the numerous restaurants that specialize in seafood, crab legs and shrimp are always available. However given the recent oil spill in the Gulf, talk to some locals about what to watch for before you voraciously eat from the ocean's bounty. Gulf Shores offers one of the most beautiful ocean fronts in the nation and it's good to know that just about anyone can make their home in the affordable, fun area.


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Wednesday, August 25, 2010

Gadsden Alabama Saves Itself, Becomes More Livable

Sometimes reinventing yourself is imperative for the sake of survival. In 1989, Gadsden, Alabama was named as one of the seven worst places to live in the United States. The river town had previously been the site of heavy industry whose closures caused its near demise.

When the city hit that low point, officials knew something had to be done. Instead of chasing after new industry and manufacturing, they reinvented themselves by focusing on downtown redevelopment and bringing in arts and culture to the residents.

After years of focus and dedicated work toward improving the town, Gadsden was given the top spot in the 2000 City Livability Awards Program - proof that reinvention is possible everywhere with the right plan and support from citizens.

Today, Gadsden has about 40,000 residents and the average income is around $25,000. Given these incomes, real estate is also very affordable by national standards. The average price of a house is $85,000 and features three bedrooms and two bathrooms. While garages are not uncommon in Gadsden, the milder southern winters do not make them imperative. However, carports are likely to be found with a large number of homes.


Homes in Gadsden also offer bathrooms tiled in the 50s and 60s styles, eat-in kitchens with big windows that overlook the back yard, moderately sized bedrooms, and - if you are lucky - a functional barbeque pit for summer cookouts. One house currently on the market in Gadsden even offers wallpaper on the ceiling!

Downtown Gadsden provides entertainment throughout the year, including concerts, painting classes, and "Cruise-In" car and motorcycle shows. The car shows should come as no surprise as Gadsden is in the heart of car-racing country. With the famous Talladega Super Speedway only 20 miles (as the bird flies) south, car racing is a huge part of the Gadsden mentality.

However if nature is more your speed, you can hike and visit the local Noccalula Falls Park. The park was named after a Native American princess who supposedly jumped to her death after being ordered by her father to marry a man - someone she did not love and had no intentions of spending her life with. Notwithstanding the sad tale of its name, the beautiful waterfall plunges 90 feet into the Black Creek ravine.

If the South is in your blood and you want to live in a warm climate, buy affordable homes, attend nearby car races, the delve into the mystery of a tragic ending for an American princess, then the revitalized city of Gadsden should top your list of places to go.


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Vernal, Utah - Home of the Strange

One ranch in Utah has been surrounded by mystery for decades, but the houses surrounding the ranch are less creepy. Tucked in the Northeast corner of the state, the Sherman Ranch has a history of UFO spottings, strange animal sightings, and roaming dinosaurs. The dinosaurs, of course, roamed millions of years ago, but the other stuff has been more recent.

Sherman Ranch - also known as Skinwalker Ranch by the local Ute Indian tribe - is located somewhere near Vernal, Utah and is comprised of 480 acres and a house that has deadbolts both on the inside and outside. The Sherman family bought it in 1995, but were happy to sell it for $200,000 to a curious Robert Bigelow a year later to get away from the hauntings.

One event that occurred when the Shermans first moved to the ranch was the appearance of a wolf that was people friendly. It was patted and petted, but when it attacked a penned cow, Pa Sherman shot it five times before it let go. The wolf acted uninjured and walked away, but when the Mr. Sherman and his son tracked it, the tracks abruptly stopped in thin air.

Besides the creepy Sherman Ranch, other residents experience only UFO sightings. They also experience what I would consider average prices on available homes. You won’t find many "giveaway" homes with prices below $70,000. Home prices range from $125,000 to $200,000, with the average price being $140,000. At $140,000, real estate is fairly standard with not many upgrades. For example, windows are not trimmed out, vinyl flooring in the kitchen and bathrooms, and one-sink master bathrooms with laminate counters.

Even the higher-end real estate for sale in Vernal is somewhat standard. Most homes feature extra large garages, but the kitchen appliances are white or cream colored, nor are other spectacular upgrades to be found.

That said, it appears that all homes located in this climate where winters are severe have fireplaces or wood-burning stoves. One house even comes with a recreational vehicle - presumably to escape to warmer weather once an angry Old Man Winter settles in for a long winter nap.

What is really nice about Vernal (besides being a would-be Mecca for UFO and paranormal hunters) are the nearby well-preserved dinosaur tracks. In addition, lots of winter recreational activities are available - from snowmobiling to skiing. During the summer, white water rafting and hiking are fun pastimes for residents and visitors alike.

If you make the move to Vernal, Utah, plan to spend some money to buy a house, plan to see an occasional UFO, and plan to have a good time with both winter and summer recreational activities.

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Utah mortgage rates, home buying tools, average home value, real estate market trends

Wednesday, August 18, 2010

Moab, Utah – God's Country


One would think that if you ventured to Moab, Utah to settle down, homes in this Southeast Utah would be fair-priced given the baked surroundings of the desert areas surrounding it. However, there's a certain river that runs through it and its magnificence - along with the amazing arches and stunning canyon formations - make Moab a top attraction in the United States.

The Colorado River snakes through the lovely town where adventure will cost you, but so will real estate. Currently the lowest price existing home in Moab is going for about $225,000. The three bedroom, one bath, thousand square foot house was built in 1961, but the owners have maintained it nicely so there are tile floors and newer kitchen cabinets.

For just $25,000 more, you can buy real estate that has four bedrooms, two baths, almost 3,000 square feet, and - most importantly - a view out your front door of the tall spires named Castle rock. There is quite a lot of TLC needed for the adobe home, but perhaps the current state will set your mood akin to that of the Anasazi cliff dwellers.

If you really want to buy in Moab with style - only top of the line real estate for you - perhaps the 3,300 square foot home on Pack Creek Ranch Road is more your cup of tea. With three bedrooms, two baths, and a walk-out basement, the log home boasts a view in every direction.

The almost million dollar home is located at the foot of the La Sal Mountains, the second highest mountain range in the state of Utah. The mountains are popular for horseback riding, skiing, hiking, and mountain biking.

Besides these very outdoorsy activities, the people of Moab also have something not common in other parts of the United States – access to ancient rock art. Both petroglyphs and pictographs can be found near Moab, produced both prehistoric and historic peoples over thousands of years.

On a more modern note, however, Moab was the location of one of the most famous movie scenes every filmed – the unforgettable "final" scene of Thelma and Louise. The gal pals plunged their 1966 Thunderbird Convertible into the Colorado River from along the Shafer Trail under Dead Horse Point - not far from city center Moab.

Hopefully if you venture to Moab to live or play, you'll keep your four wheels on the ground and enjoy the activities that won’t require you driving off the edge of a cliff.


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Utah mortgage rates, home buying tools, average home value, real estate market trends

Wednesday, August 11, 2010

Asheville, NC is a Beautiful Mountain Home

Nestled in the heart of the majestic Blue Ridge Mountains is the quaint, friendly town of Asheville, North Carolina. To get there from the West, it’s a scenic drive through the plateaus and mountains on Interstate 40. Or you could go the really long, windy route of a two-lane road through the mountains and pass by Cherokee, where the Eastern Band of the Cherokee Indians run their sovereign nation of more than 13,000 members on 100 square miles of land.

North Carolina is rich with history and culture and Asheville is the gateway to where the old world and new world meet. The Native American culture pervades, the traditions of mountain people live, and the new money of early America is proudly on display at the chateau built by George Vanderbilt. – The Biltmore.

The family-owned Biltmore estate sits on 8,000 acres and has 34 bedrooms, 43 bathrooms, a swimming pool, gymnasium, bowling alley, and beautiful gardens. More traditional homes in the Asheville area have three bedrooms, two baths, and are lucky to have a half acre of land.

Today, the average cost of a home in this beautiful town is about $175,000. The prices have dropped since the 2007 heyday by a little more than 15 percent, however this shortfall is a wash for home owners selling existing homes and purchasing new ones because the loss is made up in their savings for a newer, nicer home.

In Asheville, the average commute time to work is less than 20 minutes. However, the focus in Asheville is not just work, but neighborhoods. The city has appointed community liaisons for residents to ask questions about upcoming developments and land use – an easy way for the community to stay informed and active in the city’s planning.

With well over 30 parks scattered throughout the city, residents can enjoy baseball, basketball, picnicking, tennis, playgrounds, and many other activities in the safety and convenience of their own neighborhood. During the summer months, a lavish Fourth of July celebration is held, followed by a four-stage music and street festival. The street festival attracts about 300,000 people each year.

Because safety in this beautiful city is also a priority, the local government actively keeps residents informed about potential scams and investigations. The eyes of the community are always open to protect and preserve the easy-going lifestyles that so many residents enjoy.

If you spend your real estate dollars in Asheville, North Carolina, you may choose to not just invest there, but also to live in this beautiful mountain city.

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Tuesday, August 10, 2010

Charlotte, North Carolina is Eclectic, Busy

My friend just moved to Charlotte, North Carolina, after being separated from the love of her life for her entire adult years. Through the popular Facebook, they reconnected when his sister found her online and then shared stories about her brother still pining for her.

Since they came back together a little more than a year ago, they told each other about their lives apart, shared the memories of their childhood and how their fathers did not want them together, got engaged using the diamonds from his mother’s engagement ring, and now married.

As I've followed her new life, she has shared photos of her new hometown of Charlotte – a whimsical, fun city located halfway between the Blue Ridge Mountains and the Atlantic Ocean. One photo shows a street magician playing with the crowd; another picture shows a statue of a railroad worker with the gleaming windows of a commercial building behind it.

Charlotte is eclectic. It embraces its history, but it is modern. Charlotte is surprisingly the largest metropolitan area in the Carolinas, with one in four people having moved there just in the last decade. Why? Because the city has a good business atmosphere, a milt climate, many activities and diversions, and very affordable homes in diverse neighborhoods.

On average, homes are about $150,000 in the area – with location and condition always being a contributing factor to the final value. Homes have dropped in value by about 3.5 percent since they peaked in 2007. Although the drop is evident, it has not been devastating to the city like in other communities and in entire states.

In the $150,000 price range, Charlotte homes include condos, new construction, existing homes, houses with more than 2,000 square feet, and one of my favorites: a house with mature trees and a private, shady back yard. The hardwood floors and fireplace add to the appeal, along with the walking path to a nearby park. There is some interior work needed – for example, the light fixtures should be updated and the windows should be replaced with some that are more energy efficient, but overall it’s a beautiful home located on a quiet cul de sac.

In Charlotte, one of the best places to live is Uptown. To buy affordable real estate in this area, buyers may want to consider condominium living. The bonus is there is no yard work to be done, most units are modernized with granite counters and stainless appliances, and you can get skyline views. The down side is the condos are very small, but riding a trolley to work could make up for that.

Overall, you won't want to miss exploring Charlotte as an option to invest in real estate. The town is wonderfully interesting, the economy is strong in the area, and the location is superb. (Images source: www.Wikipedia.org)

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North Carolina mortgage rates, home buying tools, average home value, real estate market trends

Thursday, July 29, 2010

New Madrid Fault Line Doesn't Stop People from Calling Missouri Home

While rumors have "floated" for decades that California will someday slide into the ocean from the San Andreas fault line, another earthquake fault line goes right through middle America. The New Madrid Fault is said to be a major seismic zone that could be responsible for massive damage at some unpredictable date in the future. The New Madrid Fault is named after a little town in Missouri where the fault line begins. In addition to the small town, the fault line threatens parts of seven states: Illinois, Missouri, Tennessee, Kentucky, Indiana, Arkansas, and Mississippi. In 2008, FEMA said that a 7.7 or greater magnitude quake would cause "the highest economic losses due to a natural disaster in the United States" and said damages would be widespread and catastrophic. Clearly, there is the potential of drastically changing the face of real estate in the entire area if a major earthquake ever occurs.

For now, however, real estate in New Madrid is scarce. Only one house is available, but it's an attractive abode. The four bedroom, two bath house with a partial stone, partial wood exterior boast almost 3,000 square feet. With Swiss chalet windows and a spacious barn on the land, the house is a deal with a list price of $70,000.

Near New Madrid is Parma, Missouri which has another huge home currently for sale, listed at $140,000. Having over 3,000 square feet, the three bedrooms, three bath home has been completely updated with hardwood floors, new light fixtures, tile in the wet areas, and cathedral ceilings.

West of New Madrid is a healthy town called Poplar Bluff that has over 100 homes currently listed on the local MLS. On average, houses in this bigger town cost about $85,000 and values have maintained steady even through the real estate market slump of the last two years.

While one bathroom houses seem to be the trend in this area, most have ample square footage and are built with the Midwest know-how that makes them sturdy and long-lasting. Along with sturdy construction, Missouri homeowners know that proper maintenance of a home is important to prevent decay. Regular termite inspections, heat/air check-ups, re-caulking windows, making sure all exterior doors have proper weather-stripping, and other simple preservation work will protect again summer heat and winter chill.

They will remain long-lasting granted that the New Madrid Fault line remains quiet. Living in the area causes some apprehension, but preparedness is the key to both surviving and thriving in Southeast Missouri.


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Missouri mortgage rates, home buying tools, average home value, real estate market trends

Wednesday, July 28, 2010

I-44 Passes Through Rural Missouri, Rural America

As you head from the Atlantic Ocean toward the great Pacific, you may drive along Interstate 44 through Missouri. Why so notable? The interstate begins in St. Louis, the gateway to the West. In St. Louis, the unmistakable Arch dominates the landscape as if to beckon travelers toward a new life. But life in Missouri remains rural and uncomplicated.

Departing the big city, I-44 then takes you past towns like Rolla, Springfield, and Joplin. In each of these areas - and dozens more just a little bit smaller but no less proud - the people of the communities determine their own destinies. They define where they live and how they live, and they proudly share their lives with each other, sitting on the numerous front porches all across the state.

Currently, there are 58,000 houses for sale in the entire state of Missouri along with thousands of condos, farms, and multi-family homes. By far, St. Louis offers the most homes now available with over 10,000 for sale. Perhaps one of the most notable homes in St Louis is a log home listed at almost $300,000. The 2200 square foot house is situated on 5 acres of beautiful acreage. It has three bedrooms, two baths and a completely updated, modern kitchen. But the best part may be the long welcoming front porch on which to enjoy the cool summer nights or a cup of coffee in the early morning.

As you leave the St. Louis area, you can drive along I-44 which skirts along forested conservation areas, it passes military installations like Fort Leonard Hood where soldiers serve their country unflinchingly, and eventually ends just outside of Joplin. All along the route, houses average about $150,000. Overall, homes in the state have remained steady - some areas show real estate values increasing, while other places how a decrease in home values.

But if you want to find yourself in Springfield, a more private style front porch can be found in a home near the campus of Missouri State University. The 1000 square foot house to which it's attached is listed at $59,000 and has two bedrooms and one bathroom. The porch has brick halfway up, but is open to allow cool breezes from three feet to the roofline.

For $147,000, a traditional pizza-delivery only kind of porch can be found in Rolla. The two-story house itself is a four bedroom, two and a half bath traditional home with over 2200 spacious square feet. The carpet needs updated, but the unfinished basement could be a real boost to buyers seeking a lot of space for an affordable price.

Finally, in Joplin, Missouri is a piece of real estate listed at under $100,000 that has three bedrooms, one and a half baths, and a an old-fashioned front porch that hearkens to the days of neighbors talking over a glass of iced lemonade. The porch overlooks a shaded yard, but inside the house is bright and sunny.

Traveling along I-44 and stopping by to enjoy a porch chat with the people from the Show-Me state should be easily accomplished in this long, beautiful state.

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Missouri mortgage rates, home buying tools, average home value, real estate market trends

Land of Corns, Iowa

Several years ago a song that should've gone Top 40 (but was limited to being featured on the Bob & Tom radio show) came to my attention. It was called Interstate 80 Iowa and sung by Haywood Banks. You can have a listen to it on youtube at this link http://www.youtube.com/watch?v=WyeY0hWU28I, but be warned that it's very random!

The point is, if you want to find some corn look no further than Iowa! In fact, corn is so popular that there are web pages dedicated to how many good weather days were to be had in a week to care for it, there are corn cams set up, and people travel to Iowa from all over to see how the Midwesterners grow it!

Are you ready for some corn? During the hot hazy days of summer, most of us like firing up the grill to enjoy either a slab of steak, barbecue chicken, or juicy pork chops. Some prefer a vegan lifestyle, but the grill is the perfect cooking vehicle for many succulent vegetables like asparagus, eggplant, or mushroom burgers. However whether you like meat or prefer a vegetarian lifestyle, corn is perhaps one of the best foods to grill.

One of the best ways to grill it is to leave it in the husk and put a whole ear of corn on the grill. Turn it occasionally, but cook for at least an hour. When those 60 minutes are up, the husk and silks fall off and you will bite into the most delicious food item you’ve ever pulled off a grill.

The freshest, sweetest corn is found in Iowa. If you landed right in the middle of the state (it appears to be Centerville although ironically it was named after a Tennessee politician, not because it's in the "center"), you can go any direction to find delicious corn.

Go North to Fort Dodge to find homes with an average list price of about $100,000. One at that price is a Round Prairie design with three bedrooms, two baths, a three-season porch, wood floors, and beautiful arches doorways.

If you go South to Winterset, homes are worth on average about $119,000. Currently available is a three bedroom, one and a half bath ranch home with 1300 square feet. The home has a double garage that could be easily converted to a man-cave workshop.

West of Centerville, Iowa is tiny little Adair where three houses are currently for sale. Listed at $48,900, $102,900, and $279,000. Whether you're looking for affordable or elegant, your choices are very limited.

Finally if you turn toward the East, you'll find yourself in Ames, Iowa. Real estate choices soar into the hundreds in this larger town, with an average price of $162,900. Ames offers an assortment of single family homes, condos, multi-family homes, and places to rent.

Whatever direction you turn in Iowa, you'll find affordability... and corn.

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American Gothic lifestyle found in Anamosa, Iowa

In a small town named Anamosa, Iowa, new parents in 1891 named their baby Grant Wood. As the baby matured into adulthood, his love of both art and the people of the region grew, too. The nation was fortunate that Wood was able to combine his passions into paintings representing the farm region of the Midwest. One painting in particular – American Gothic – defined for generations the perception people would have of those from the farming region of the country.

Today, Anamosa remains a rural community not quite halfway between Cedar Rapids and Dubuque. The cost of living is still very affordable because residents still live to a degree on the land – they raise their own gardens, fish for largemouth bass in nearby Pleasant Creek Lake or for crappie in nearby Lake Macbride, and even care for their own chickens and other farm animals.

Also affordable are the homes in Anamosa, Iowa. Currently there is one foreclosed home listed for under $20,000. Buyers should expect that it will be a "handyman's special" with new flooring, paint, fixtures, and more repairs needed. However, if you're willing for your house payment to go up to almost $400 per month (not including taxes and insurance), you can jump into a house treated with tender loving care by the current home owner. The $90,000 house has three bedrooms, one bathroom, almost 1600 square feet, and a garage.

Bump the price up by $100,000 and a beautiful Victorian style home could be where you hang your hat at night. The gorgeous home in Anamosa is listed for $190,000 and boasts of four bedrooms and one and a half baths. All the outdated wallpaper was painstakingly removed as the house was updated (say "modern kitchen" and smile), however the charm of the Victorian remains. The home has hardwood floors, a blend of old and new light fixtures, stained and beveled glass throughout, and new paint on the outside.

If your style taste trend for the newer homes, Anamosa also has several houses for sale that have been newly constructed. These homes are a little more expensive, but all the modern conveniences come with the package, along with some very nice upgrades like tiled walk-in showers and, a huge octagon-shaped deck.

The value of homes in Grant Wood's hometown have declined somewhat in the last couple of years, but overall have remained fairly sound. The median price is $115,000, but note that if you want your own real estate to exclude lawn or yard work you may skip Anamosa. There are no condominiums to be found, according to Uncle Google and Aunt Zillow, just the kind of lifestyle you'd imagine possible when looking at American Gothic!

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Iowa mortgage rates, home buying tools, average home value, real estate market trends