There has been a lot of talk about home prices and mortgages lately. Mortgage rates are increasing, and some experts believe that home prices will drop. While it’s true that mortgage rates are increasing, the jury is still out if home prices will fall significantly. Based on economics and historical data alone, home prices or anything for that matter cannot continue to rise at the rate they have been over the past couple years. However, it is unlikely that prices will drop in any significant way anytime soon. This isn’t to say that individual markets on a local level won’t see a big price drop, but generally speaking a big decrease is not likely.

What about homebuyers? Is now a good time to purchase a home or should you wait it out? Don’t let the higher interest rates deter you from becoming a homeowner. Mortgage interest is one of the few interests that is still tax deductible, which helps decrease taxes owed from income. While we may not see 3% mortgage rates anytime soon, the current rates floating between 5% and 6% are relatively normal historically. Demand for rentals has increased drastically and when demand increases, you can almost guarantee that rental rates will rise. According to an article published by CNBC, rent prices for single family homes hit a national average of $2,495 per month, which is a 13.4% increase compared to the same period in 2021. Depending on the price range of the home you purchase and interest rate, more than likely your house payment will be equal to or less than that. You may as well be investing in your own asset rather than someone else’s.

Bottom line, don’t ignore your dream of homeownership. A few tips to make sure you are making the best decisions for yourself:

  1. Get pre-approved with a trusted mortgage lender to know what price range you can afford and works best with your budget.
  2. Make a list of your must-haves and preferred neighborhoods.
  3. Work with a reputable real estate agent. They know the market and can help you find the perfect home. They will also assist in the negotiations and contract execution once you find a home.

When looking for that perfect home in Missouri or Kansas, contact a knowledgeable real estate professional from Stutesman Action Realty today, 833.286.8400.

Cover Photo by Ussama Azam on Unsplash



A common question real estate agents are asked is, “What is the difference between a broker price opinion or property valuation and an appraisal?”

RED HOUSE Photo by Zac Gudakov on Unsplash

A broker price opinion or property valuation is typically completed by a real estate agent or broker; they do not have to be a licensed real estate appraiser. However, don’t underestimate the real estate broker as they are typically professionally qualified in their market to give you a professional opinion of a property’s value based on recent market activity. To determine an estimated value for your property, they will find comparable properties in the market area and base their opinion of value on sales prices and sales dates. This is how a real estate agent determines a listing price for a property. They are basing their opinion on the actions of buyers and sellers in the market.

AERIAL Photo by Blake Wheeler on Unsplash

A real estate appraisal is along the same premise but a bit more complex and detailed. It must be conducted by a state licensed real estate appraiser and adhere to the Uniform Standards of Professional Appraisal Practiceor better known as USPAP. Appraisers can use one or all three approaches to value: Sales Comparison, Income, and Cost. Most residential properties will utilize the sales comparison approach. This approach is much like the broker price opinion as it relies on the recent sales price of comparable properties in the market. However, an appraiser offers a detailed analysis of the property and comparables. Adjustments will be made to the comparables for dissimilarities with the property being appraised (often referred to as the subject). They then use the adjusted sales prices of the comparables to determine a concluded value for the subject. In order to get a mortgage, a lender will usually require a full appraisal.

 KEYS IN HAND Photo by Maria Ziegler on Unsplash

Both methods serve their purpose in the market. The broker price opinion helps sellers determine a realistic sales price for their property and the appraisal reaffirms that the purchase price is within a market acceptable range.

Contact Stutesman Action Realty, 833.286.8400, today for your broker price opinion and get your property listed and sold.


Avoid These Things After You Apply For A Mortgage

You’ve found your dream home and have applied for the mortgage, don’t let up on the gas just yet. There are a few things to keep in mind while waiting for the loan to close. After applying for your home loan, you need to avoid doing the following:

  • Although it’s exciting making plans to decorate your new home, avoid making large purchases on credit. Lenders have pre-approved you based on your debt-to-income ratio at the time of application; however, they will pull another credit report and if your debt-to-income ratio has changed you could be disqualified. Large purchases include furniture, appliances, cars, boats, you get the idea.
  • Don’t get any new credit. In addition to avoiding large purchases, avoid getting new credit cards even if you are opting for a card with lower interest rates. It’s never a good idea to open new credit.
  • Most financial experts, advise against co-signing on loans anytime, but it is particularly important to avoid when applying for a home loan. Although you may be able to prove that you aren’t the one making the payments, you are still liable if the payments aren’t being made. Co-signing also increases your debt-to-income ratio.
  • Having less available credit seems like it would be best for your credit score; however, it can have the opposite effect. A major component of your credit score is your length and depth of credit history, not just your payment history. Closing accounts has a negative impact on your credit score.
  • When in doubt, always call your lender first. No need to put unnecessary stress on yourself; you want your home purchase to go as smoothly as possible.

If you need help finding your dream home, contact Stutesman’s Action Realty, 833.286.8400.


How to Win The Bidding Game In Today’s Competitive Market

real estate bids

You’ve made the decision to buy a home and have put in a few offers, but keep getting outbid. Although this can be frustrating, don’t give up. You can compete in today’s competitive market even if you don’t have the highest bid. For example, we found a house that had only been on the market for one day, but already had offers. The real estate agent told us they were taking bids until noon the following day. We made a full price offer but did not have any contingencies nor inspection requirements. The other bids were above asking price, but they had contingencies and inspection requirements, so the seller went with our offer. When making your offer don’t get too hung up on thinking you need to make one above list price because it’s not always about the sale price.


Tips to win the bidding war without going above budget:

  1. If you are financing, the first thing you need to do is get a pre-approval from a mortgage lender. Sellers want to know that you can actually purchase the home and makes your offer stand out. This also benefits you in determining your budget when making an offer.
  2. Focus on homes at the lower end of your budget. By doing so, gives you a bit of wiggle room when making an offer if you do have to go slightly above the ask price.
  3. In today’s market, it is important to make your “best and final” offer in the beginning. These days, there isn’t much negotiating going on. If it isn’t your best and final, you probably won’t get the house.
  4. If you do find yourself in a situation where you need to offer above list price, consult with your real estate agent and let him/her help you determine a good offer price. Your agent will be able to pull list and sale prices for comparable properties that have sold within the past six or more months. He or she can determine the typical amount above list price, i.e., $5,000, $10,000, etc. that have occurred. You certainly don’t want to pay more than you should and end up with little to no equity in the house because you paid more than the market can bear.
offer on listing

Get your financing in place, work with a knowledgeable real estate agent, do your homework and you will get that home! For all your real estate needs, contact  Stutesman Action Realty today!


Take a Few Steps Before Putting Your Home on the Market

listing home

Thinking of getting in on the hot seller’s market? Who could blame you? There is certainly more demand than supply right now. To get top dollar for your home, take these simple steps before listing:

  • Give your house a deep cleaning. First impressions are everything, so don’t let dirty floors or dusty surfaces overshadow all the great things about your home. Foul smells are a major turn off to buyers. You may want to consider hiring a professional.
  • Declutter and organize. This means closets, cabinets, pantries, countertops, etc. It’s hard for buyers to focus on the actual home when it is full of clutter and overflowing closets.
  • If you’ve been putting off fixing that leaky faucet, squeaky doors, or running toilets, now is the time to do all those repairs and maintenance that you’ve been putting off. Buyers will think the home hasn’t been well maintained.
gray living room
Photo Credit: Sherwin Williams
  • A fresh coat of neutral paint on the walls will make your home appear bigger, brighter and more welcoming. Especially get rid of any bright walls. Favorite neutral paints are whites, light grays, and light beiges. Benjamin Moore’s Chantilly Lace is a favorite true white and Sherwin Williams’ Repose Gray is a great gray wall color choice.
front porch
  • Now that you’ve gotten the inside in tip-top shape, spruce up the exterior by making any necessary repairs. Make sure the grass is cut, the weeds are pulled, and the landscaping is trimmed.
real estate
  • Hire a professional real estate agent to list your home. By enlisting a professional, your home will get the maximum exposure by being listed on the multi-listing service where thousands of agents and potential buyers will see it.

Stutesman Action Realty can help you list and sell your home. One of the professional real estate agents will offer you additional tips to maximize your home’s selling potential and will be there throughout the purchase negotiations and closing. Call today, 833.286.8400.


First Time Home Buying

The real estate market continues to be at the top of financial news with headlines ranging from supply shortages and rising interest rates. Although housing affordability continues to be a major challenge for buyers, a bit of good news is that first time homebuyers were responsible for 29% of sales in February, a 2% increase from the prior month. Are you thinking of joining the nearly 30% of homebuyers, but aren’t sure where to start? Buying a home can seem like a daunting task, especially if you are a first-time homebuyer. Don’t worry just follow these steps and you will be living in your new home before you know it.

real estate market
  • Check your credit score to determine whether you qualify for a mortgage and the interest rate lenders will offer. You are entitled to an annual free credit report, go to Also, from now until the end of the year, the government is allowing a weekly credit report, so take full advantage of this free service. Take this time to review the report and fix any errors or issues.
  • Determine your budget and what you are comfortable with. Just because you may qualify for more, doesn’t mean it is right for you. Most buyers prefer not to be “married to a house payment” so they can travel and do other things.
  • Find a trusted mortgage lender to get the best mortgage and mortgage rate. Once you are approved, a mortgage lender can give you a preapproval letter. A preapproval letter is a great tool when purchasing a home, because it lets real estate agents and sellers know you are serious and can give you an edge over other buyers that aren’t as prepared.
  • Choose a real estate agent that will help you find the perfect home that meets your needs within your budget. Once you’ve decided on a home, an agent will guide you through the entire process from negotiation to the final closing process.
real estate agent tips
  • Tips to help your real estate agent find the perfect home:
    • What is important to you? Schools? Nearby recreational activities?
    • Will this be a starter home or a forever home?
    • Do you want to be within walking distance of amenities such as parks or grocery stores?
    • Do you want to live in a neighborhood or prefer to have a larger lot?

First time home buying doesn’t have to be scary. Just follow the steps above and find real estate professionals that you can trust to help you throughout the entire process. Stutesman’s Action Realty can help you with all your real estate needs in Missouri and Kansas. Call today, 833.286.8400.

For more information about current housing statistics, visit the National Association of Realtorsâ.


How to Prepare for the Impending Interest Rate Hikes

interest rates

All indicators are pointing to interest rate hikes in 2022. When, how much, and how many are still under speculation, but the one thing experts agree on is that they will rise. How can you prepare for the upcoming rate hikes?

home owner
  • If you are considering buying a home, now is the time. Work with your mortgage broker to lock in a low rate. Make sure the rate is fixed and won’t vary.
  • If you have your eye on a home, but the current owner needs a longer move out date, go ahead and purchase it at the lower rate and lease it back to the owner. A real estate professional can help you properly write up a contract with the specific details.
house debt
  • Pay off as much debt as possible, especially credit card debt and any sort of variable rate loans. These are the things that can get out of hand quickly and cause many financial problems that will  hurt you homebuying potential.
mom and son

On the other hand, rate hikes aren’t all bad for homebuyers. Last year’s soaring demand and low-interest rates sent prices rising beyond reach for many would-be homebuyers. Buyers found themselves in bidding wars and/or making hasty decisions. For most Americans, the main way of accumulating wealth is through homeownership and last year’s dramatic price increases squashed that dream for many. That is a problem that not even low-interest rates could fix. Experts don’t expect a dramatic decline in home prices, but the dramatic increases are forecast to tamper down a bit allowing a larger pool of buyers to become homeowners.

One thing is for certain, planning is crucial, so get with an agent, find a lender, and start planning. Stutesman’s Action Realty has a line-up of professional real estate agents ready to help their clients make that purchase or sell. Reach out today, 833.286.8400.


Jennifer Stutesman Frese

Jennifer Stutesman Frese

Jennifer Stutesman Frese

Owner/Managing Broker MO


Office: 417-667-8400

Mobile: 417-667-1097


A Lifelong Philosophy of Success

The little plaque may be weathered with age, but the words are just as powerful as the first time Jennifer Stutesman read them. “Learn from yesterday, live for today and hope for tomorrow,” is a phrase that brings Jennifer back to her childhood and the warmth of her parents’ kitchen, where the plaque still proudly hangs. While growing up, she remembers seeing the words whenever she grabbed a snack or was baking cookies with her mom. But it was their meaning that Jennifer took to heart and still does in her life today.

Jenifer enjoys passing down traditions...

A Positive Philosophy

Looking back, this local businesswoman recognizes that she wasn’t the only one touched by this phrase. Her own parents followed this positive philosophy during her youth and instilled in Jennifer a strong sense of optimism and happiness that she has carried throughout her life. Born in Kansas City, Jennifer grew up in the country. She enjoyed a loving family relationship and somewhat of an idyllic lifestyle, riding her green Suzuki motorcycle and playing with her older brother on their family’s farm.

The Quality of Life

Although she initially studied business, Jennifer soon shifted gears to pursue a career in fashion merchandising. With her energetic, outgoing personality and positive approach, she was a natural in assuming the role of assistant manager for a retail store in Kansas City while going to school full-time. However, she later realized this wasn’t her calling, and transitioned into a career processing residential loans. Jennifer and her family later decided a smaller, closer-knit community would better serve their family—prompting their move back to Nevada. The great quality of life here is something Jennifer never takes for granted, whether she’s puttering around in her garden or she is rooting for one of her children—Trent and Alissa—at one of their events.

Quality Time with Kids

Inspiring Words

For Jennifer, the positive philosophy of learning from yesterday and living for today has made a definite impact on her both personally and professionally. It’s perhaps fitting that in turn, Jennifer has chosen her career in real estate to make a positive impact on the lives of others. As an accomplished agent as well as the respected broker of Stutesman’s Action Realty, Jennifer’s belief in taking care of people and putting their needs first is making a lasting impact on local residents in Nevada and the Vernon County area.

A Lasting Impact

With both her father and grandfather as builders and a solid family history in construction, Jennifer is extremely knowledgeable about the local market and the inventory of available homes.

Explaining the market

Jennifer making an impact on your next Move!

She does her homework when it comes to helping a buyer find the right home or maximizing a home’s exposure for a seller. From her sound business expertise to her high ethic and moral standards, Jennifer is a true professional who believes in treating the needs and goals of your family with the same care and attention she would her own.

If you’re considering buying or selling a home in Nevada or in the Vernon County area, trust Jennifer to make A Lasting Impact on your next move by achieving your real estate goals. Call or text  her today 417.667.1097 , email


Scott Theis

Scott Theis

Scott Theis

Managing Broker Kansas/
Associate Missouri

Office: 417-667-8400

Mobile: 417-321-0929


Scott lives life with optimistic enthusiasm. Every day is a wonderful day! It’s this outlook that gives him his infectious personality. Scott believes the greatest feelings of accomplishment come from learning, or from teaching. Scott is an accomplished musician who has played guitar for over 37 years. He loves teaching guitar in his spare time to his students who range from kids to grandparents. Through being a musician, Scott learned early on the rewards of dedication and discipline. You can feel assured he will be dedicated, and work hard in helping you achieve your goals as your Realtor.

Scott served Boy Scouts of America as Cubmaster for Nevada Pack 117 for 9 years, and as a District Executive for the Springfield, MO council for five. In 2015, he received the District Award of Merit from Boy Scouts of America. It is the highest honor a district can bestow to a volunteer.

Scott also serves on the Board of Directors for the Osage Prairie YMCA as the current Vice-President, and the Rotary Club for Nevada.

As a father of three teenagers, and husband for 18 years, Scott understands the importance of family. No matter how big, small, or unique, your family is what matters to him. So let him help you find your perfect place in and around Nevada! Scott stated, “There is nothing more important than home. Whether it be a bachelor pad, a hallway filled with plastic toys to step on in the middle of the night, or the quiet empty nest when they’re grown up and moved away, everyone needs their place to call home.”

Scott will help you from start to finish. In selling, he will give advice and explain to you the market analysis you need to know. In buying, he will help you find financing and understand your loan, choose the right home for you, and get you to the closing table. You will never feel alone.

Scott is a member of the National Association of Realtors, Missouri Association of Realtors, and 5 County Board of Realtors.


Diane Earll

Diane Earll

Diane Earll

Broker/Associate Missouri

Office: 417-667-8400

Mobile: 417-448-4023

Diane has taken on a new role in the agency, but is still doing what she loves – helping clients with their real estate needs!

Diane’s career in real estate began 22 years ago, when along with her husband Eddie Earll, began building and remodeling homes in the and have always taken great pride in their accomplishments.

Diane grew up in rural Vernon County and graduated from El Dorado Springs School. She learned from an early age the value of hard work and determination and continues to display these principles in her career.

As a member of the National Association of Realtors and Missouri Realtors, Diane has had the opportunity to serve as Secretary, Vice President, and President for the Five County Board of Realtors. She also received her GRI (Graduated Realtor Institute) in 2008, CRS (Council of Residential Specialists) in 2015, Brokers license in 2015, and SRS (Seller Residential Specialist) in 2016.

In her current role, Diane handles everything from handling the office’s administrative duties, to ensuring contract and document compliance. Diane also works closely with the agency’s outside marketing firm, assisting with property and agency promotions. She also is a pro at keeping the team organized, keeping the database current, gathering together paperwork from the seller and the buyer, working with the title company to make sure all parties show up to closing, and making sure profits get wired in.

Her organization and people skills show in her personal life as well. Diane loves the outdoors and keeping connected with friends and family. Diane also enjoys hobbies such as cooking for her family and having huge family gatherings, working outdoors in the yard, and going on road trips.

Diane and her family have a special love for their animals… All of which were wayward souls taken in by the Earlls’. Each one of them has a story and now  have a forever home with unconditional love.

She and her husband, Eddie, have one daughter Nikki and son-in-law Jonathon. They are also blessed with a granddaughter, Iridessa, which they enjoy every given opportunity.

Diane takes great pride in customer satisfaction and looks forward to each opportunity when assisting clients with any of their real estate needs.