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Ethel Curbow, REALTORŪ, real estate agents and broker for Springfield, Nixa and Ozark Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! When you need an immediate answer on any of my listings, call 417-447-4968


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Resources: Springfield, Nixa and Ozark Missouri home buying, real estate listings, and homes for sale in Greene County, MO
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Special Offers: Special offers for Springfield, Nixa and Ozark homeowners from Ethel Curbow, top Realtors
Affiliates: Ethel Curbow's real estate web site affiliates
Monthly Payments & Schedule: Monthly loan payments java mortgage calculator
How Much Can You Afford?: Calculate how much home you can afford with this financial calculator
Determine Tax Savings: Calculate how much your monthly Springfield, Nixa and Ozark Missouri mortgage payments save you on your taxes because of loan interest
Should You Rent or Buy?: Is it better to rent a home in Missouri or buy your own Springfield, Nixa and Ozark house, ranch, luxury property, condominium, acreage, or other real estate?
Adjustable Rate Mortgages: Adjustable rate Springfield, Nixa and Ozark mortgages information and interest rate java calculator
What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage.
Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.
15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.
How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out.
What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.
Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment.
TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Missouri real estate
Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more
Ask Anything: Ask Ethel Curbow anything real estate
NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agentss and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale
Real Estate Tips: Ethel Curbow's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers
Real Estate Trivia: Ethel Curbow's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more
Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Springfield, Nixa and Ozark property in Missouri, including legal terms definitions, and more

 

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Real Estate Tips
Disclosure Laws >Disclaimer Clauses

Before the professional inspects the home that you are buying, you will be asked to sign an acknowledgment of the scope of the inspection. This document will probably include a disclaimer clause designed to relieve the company of responsibility if they should miss a defect. What happens if a defect is missed during an inspection?

The disclaimer clause may get the inspection company off the hook for a defect if there is no visual indication of a problem. If the inspector clearly indicated that he was not checking for that problem--many inspectors do not check for dry rot or inspect roofs--then the recourse will be limited. If negligence is involved, or if the defect should have been obvious to a professional inspector, the disclaimer is not likely to protect the inspector. If you find an undiscovered defect, discuss the matter with the inspector. Depending on the situation, the responsibility for remedying the problem may rest with you, the sellers, and/or the inspector.

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Real Estate Trivia
Q 
What building has been named the 21st Century Townhouse project?

A 
4 townhouse in Bowie, MD made of giant foam/board panels, concrete/styrofoam block frames, steel, and aerated concrete.
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Ethel Curbow, REALTORŪ, real estate agents and broker for Springfield, Nixa and Ozark Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

Ethel Curbow
Coldwell Banker Vanguard

1334 East Republic Road
Springfield, MO, 65804
Office: 417-447-4968
Fax: 417-447-1214
EthelCurbow@NUMBER1EXPERT.com

Ethel Curbow has been selling real estate in Springfield, Missouri and the surrounding area since 1981. A former teacher and Army wife who moved more than 15 times, Ethel has helped hundreds move over the past 26 years. Ethel was born and reared in the Branson, MO area, graduated from Missouri State University in Springfield, and has a Masters Degree from Emporia State College, Emporia, Kansas.

For the past 20+ years, Ethel has been the top producer for Coldwell Banker Vanguard, REALTORS and was third in the Northern Region for Coldwell Banker Affiliates in 2006 and among the top 1% for Coldwell Banker Affiliates nationally. She has been in the top 10 in the Midwest Region for Coldwell Banker for the past few years and in the top 10 Internationally in 1998. REALTOR Magazine recently listed Ethel in the top 100 REALTORS in the nation and, in 2006, Wall Street Journal listed Ethel in the top 100 REALTORS in the nation for number of transactions. Other awards include Best REALTOR by the Springfield News Leader and Outstanding Alum from Missouri State University.

Ethel attributes her success to the great team who works for her, loyal customers, a supportive husband, and the fact that she loves her job. "I have made so many wonderful friends and it gives me great satisfaction being instrumental in helping them with one of their most important transactions -- that of buying or selling a home." On a personal note, Ethel has been married forever(ha) and has two married daughters and three granddaughters.

Equal HousingMLSREALTOR


Coldwell Banker Vanguard real estate and homes for sale in Springfield, Nixa and Ozark Missouri

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