OUR DISPLAYS WILL BE OPEN THIS SATURDAY & SUNDAY FROM 12:00 PM TO 2:00 PM AT VILLAGES @ HUNTLEIGH RIDGE!

Display will be open at 30 Huntleigh Grove Ct. located in Villages @ Huntleigh Ridge in Wentzville this Saturday and Sunday from 12:00 PM – 2:00 PM.

We work with Buyer’s Agents! Please do not hesitate to call for an appointment if the Display is not open! We will be happy to meet with you!

Saturday and Sunday!!!

Come build with us! We make it easy!!

Now accepting contracts for our Wright City Subdivision Timber Trails and The Villages @ Huntleigh Ridge in Wentzville

Ivie League Homes offers extensive Standard Features! More than any other builder! Plus we give you a FREE side by side, fingerprint resistant, stainless steel refrigerator, Garage Door Opener(s) and Fully sodded yard! Get more with Ivie League Homes! 

Not familiar with the Process of Building a Brand New home? Let us show you how!

*Broker owned and Operated.

 

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Home Maintenance Projects to Do this Fall

As summer comes to a close, this time of the year is ideal for homeowners to establish a fall home maintenance checklist.

1. Turn off exterior faucets.  Undrained water in pipes can freeze easily which will cause pipes to burst as the ice expands. If you don’t have frost-proof faucets (homes more than 10 to 15 years typically don’t), turn off the shut-off valve inside your home.

2.  Remove leaves around your outside air conditioning unit and clean your gutters.  The HVAC unit is likely your home’s largest operating system so keep it cleaned!!   Leaves clogging your gutters can cause big problems any time durning the year, and during the cooler months, leaves can potentially cause water to backup into your attic and even your basement, so get them cleaned out.

3.  Schedule a furnance tune-up.  A furnance tune-up not only includes cleaning that keeps your furnance running efficiently, but it also catches small problems before they turn into big problems.  Also a good idea to check your batteries in your smoke/carbon monoxide detector in your home.

4.  Cover any landscaping that needs winter protection with mulch

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Please join the local businesses in Wright City, Missouri this Saturday, November 30, 2019 from 10AM – 2PM. Just in time for Christmas. The items that will be sold this weekend will make great Christmas Gifts or Stocking Stuffers!!! (For more information please go to the City of Wright City, Mo. on Facebook)

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We at Ivie League Homes would like to wish YOU and YOURS a Very Happy Thanksgiving!! BE SAFE OUT THERE!

 

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Tips for New Sod

How to Care for New Sod

First 2 Weeks

The key to establishing new sod is to keep it properly watered for the first month. Immediately after installing sod, water thoroughly making it spongy to the step. The new sod should be kept thoroughly wet to a depth of 4″ to 6″ and watered 3 to 5 times a day during the first 7 to 14 days depending on the season. Lift a corner of the sod to determine the depth of moisture. In the first week, it is very important to keep the new sod damp. During this time stay off the sod so it can take root and you do not sink in and leave depressions from your foot steps. During hot weather, sprinklers should run several times a day so the new sod never dries out. If allowed to dry out, the sod will shrink, brown, and can die. The roots of your new sod will penetrate the soil faster and root down sooner if properly watered. At the end of week 2, dry up the yard enough so you can mow.

Weeks 3 & 4

The following 2 weeks are used to transition from frequent daily watering to fewer cycles per day and increase the number of days between waterings. During week 3, reduce waterings to 1-3 times per day and skip a day between watering if the new sod is not drying out. By week 4, water 1 to 2 times every other day. After week 4, your new yard should be ready to go 2 to 3 days between watering. Water your lawn in the evening or early morning when less evaporation occurs. To reduce run-off on hills and promote deep root growth, reduce watering times in half. One hour later, run the irrigation cycle again and apply the rest of the water. This allows the water to soak into heavy soils.

Rest of the Season

Your new lawn will need more water the first growing season and especially the first 6 months. As it roots deeper over the course of a year, it will need less water. If your lawn looks dry, it probably needs watering. The key to new sod care during this time is deep watering less frequently. This will help the roots grow down and develop a deep root system that uses less water. It is ok after the first two months to stress your lawn a little. This means let your yard dry out a bit and when you see signs of stress starting to appear, make sure to water. This will also allow you to fine tune the sprinkler system and adjust heads for proper coverage and change nozzles for more or less water in certain spots.

Mow if Grass exceeds 3.5″

Your new lawn should be mowed at the end of week 2 or if you lawn exceeds 3 1/2″ tall. Back off on the watering so the turf is dry to the touch and firm enough to walk on without sinking in. If your new lawn reaches over 3 1/2″, mow off a third of the length even if it has not been two weeks. Do not cut shorter than 2″ for the first few times you mow. Exercise caution the first time you mow so you do not damage or pull up the sod. If some of the sod does move around, don’t worry. Just put it back in place and it will grow in.

 

Read more: http://gvt.net/turf-care/new-sod-care

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The Home Building Process

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Pre-Approved vs Pre-Qualification

Why it’s good to get pre-approved:

  1. You find out how much you are approved for.
  2. You will know how much you need for a down payment.
  3. You will know what your monthly payment will be.

Differences between pre-qualification and pre-approval:

Pre-qualification does not require an application; pre-approval does.

Pre-qualification does not require income verifications; Pre-approval does. This would include W-2 and pay stubs.

Pre-qualification does not require asset verification; Pre-approval does.

Pre-qualification does not require underwriting approval; Pre-approval does

You will get your credit checked whether you are getting a Pre-approval or a pre-qualification.

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Three Little Numbers: Your Credit Score and Why It Matters

You’ve heard the numbers: 690, 740, 805. Three simple digits that can seem mysterious, abstract, or both. However, in the real world, your credit score largely determines what type and how much credit you can obtain, what interest rates you’ll pay — and, sometimes, whether you’ll land that great new job you desire.

Do we have your attention now? Thought so. Understanding how the big three credit bureaus (Experian, Equifax, and TransUnion) calculate your credit score is key to learning how to proactively manage your credit and safeguard your all-important three digit credit score.

Your score allows businesses to assess your ability to repay money you borrow. Checking your credit score, and taking steps to improve it if necessary, are key steps in buying a new home.

As the saying goes, no pain, no gain. Investing time now to understand your credit report and credit score will pay big dividends throughout your life.

Here’s what you need to know:

  • The big three credit bureaus primarily focus on what you owe and your repayment history.
  • The most commonly used credit score — also referred to as a FICO score — has a range from 300 to 850.
  • Standards can change — and in some cases, have increased for mortgage lenders — as to what’s considered a good credit score.
  • There’s consensus among experts that 720 is a good score. 740 or higher will typically earn you the lowest interest rates and the best terms.
  • Your score helps businesses predict the odds that you’ll go 90 days past due (or default) in the next two years on money that they lend you.

Your FICO score is based on five factors, weighted as follows:

  • Your payment history: 35 percent of your score.
  • Amount of debt you owe: 30 percent of your score.
  • Length of your credit history (generally, longer is better): 15 percent of your score.
  • Amount of new credit you request (too many requests for credit, especially in a relatively short period of time, is a negative): 10 percent of your score.
  • Types of credit you use: 10 percent of your score.

Lenders for mortgages, auto loans and credit cards use your score to help understand your ability to pay debt, based on your past payment history. Some newer credit models factor in your income and job history. However, the old saying remains true: The best predictor of future behavior (in this case, paying bills on time) is past behavior.

You may be thinking, it feels like credit scoring is all about rating or even judging me. While there’s an element of truth to that, credit scores benefit each of us as consumers, in important ways:

  • Quick credit approval — Your time at the car dealer felt anything but fast, but give credit (pun intended) where due. Powerful computer networks turn around a credit score and an answer on a car loan or a department store credit card in minutes, saving you time.
  • Unbiased — Computers feel impersonal, but that can be a good thing since they treat everyone the same. Race, religion and gender are not considered. Only your past credit history.
  • Consistent — We’re all evaluated by the same formulas and guidelines.
  • Lower prices — When businesses reduce their bad debt, consumers usually pay lower prices.

How to check your credit:

  • Consumers are entitled to one free credit report every 12 months.
  • The three credit bureaus support a website, http://AnnualCreditReport.com, for that purpose. Use that site. Be wary of others.
  • Your credit report will contain detailed information. You should look for errors and correct them.
  • Your actual credit score may cost a nominal fee, such as $10, but it’s a worthwhile investment.

Steps you can take to improve your credit score over time:

  • Pay your bills on time.
  • Reduce your debt.
  • Find and correct any errors in your credit report.
  • If you have bad debt, pay it off and ask the debt be marked as paid on your credit report.
  • Be patient. None of these steps are instantaneous. However, experts agree that they will work over time.

Now that you understand your credit score, perhaps you’d like to discuss your SAT score, cholesterol level or weight? Ah, thought not! However,with your new credit score knowledge and the steps above, odds are good you can get the new home, car or job you desire, without a credit score standing in your way.

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Improving Traffic Flow on Residential Streets!! Ensure the street is passable for emergency vehicles, school buses and other large delivery trucks.

Preferred Parking Guidance
City Municipal Code Section 355.050 states, “No person shall park any vehicle upon a street, other than an alley, in such a manner or under such conditions as to leave less than 10 feet of the width of the roadway [available] for free movement of vehicular traffic.”

Residential streets are somewhat narrow, measuring 26 feet wide from the back of curb to the back of curb. This design is arranged to permit eight-foot wide parking lanes on both sides of the street with a 10-foot single driving lane in the center. Compact and mid-size cars fit within the eight-foot wide parking lane if the driver parks with the tires very near to the curb. Full-size pickup trucks and full-size SUVs must park very close to the curb and may need to fold in the driver’s side mirror to remain within the eight-foot parking lane. When possible, full-size vehicles should avoid parking across from another vehicle to ensure the street is passable for emergency vehicles, school buses and other large delivery trucks.

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For an easy-going day of enjoying the outdoors, Reifsnider State Forest Schuetzen Ground Road, Warrenton, MO

For an easy-going day of enjoying the outdoors, Reifsnider has picnic facilities perfect for family and friends to gather for lunch or dinner.  Visitors seeking more activity can hike the 1.3-mile Lizard Rock Trail which journeys along the intermittent creek and up through the ridge alongside. The natural-surface trail is rated at moderate difficulty, and requires some climbing and a couple easy stream crossings. To experience a less structured trek, hikers can choose to follow one of several area access trails or go “off-trail” hiking anywhere on the area.

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