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Thursday, June 23, 2022

Home Buying with Increasing Mortgage Rates

Home Buying With Increasing Mortgage Rates

It’s true – like the rest of the U.S., St. Louis and St. Charles county real estate is facing increasing mortgage rates. However, mortgage rates have been up and down throughout the decades and regardless of the rates, people still bought and sold homes. Let’s discuss what homeowners really focus on each month, monthly mortgage payments.


The chart below shows the difference between a principal and interest payment on a $350,000 loan at 5.50%. When the rate increases to 6.00% it is only $111.00 a month difference. While we understand this is an increase, it may be manageable. For example: a borrower that makes a gross monthly salary of about $10,000 will fall within typical guidelines for getting a mortgage of this size loan at the higher rate. 


30 Year Fixed Payment Chart

Trusted mortgage loan specialist and Executive Vice President of Paramount Bank, Jeff Griege offered us a great comparison of rates and sales historically with today’s rates and sales:


“In June 2008 the average rate for a 30-year fixed rate loan was 6.45% while home sales for June 2008 were 4.83 Million. In April 2022 home sales were at 5.61 Million. What I mean by this is people are still going to buy homes with a higher rate of interest, especially if the demand for homes decreases as some buyers move out of the market.“


According to Freddie Mac data, the highest mortgage interest rates ever reached in modern history were in 1981. At that time the annual average was 16.63% - and people STILL bought and sold homes. But let’s keep our fingers crossed we don’t see that again.


If you have questions about the process of buying real estate or getting a mortgage loan, contact The Boehmer Team. We can answer your questions, help you with the process and get you in touch with experienced mortgage loan officers that will help you get the best rate. Don’t be discouraged, where there is a will, there’s a way! Contact us today.



The fine print: 


Tuesday, May 17, 2022

Proper U.S. Flag Etiquette

Proper U.S. Flag Etiquette

The American flag is a symbol of the United States that holds much history and represents our country’s ideals. Coined  “Old Glory” by ship captain William Driver in the 1820’s, the flag’s official colors are now called “Old Glory Red” and “Old Glory Blue”. According to the U.S. State Department, red represents valor and bravery, white symbolizes purity and innocence, and blue stands for vigilance, perseverance, and justice.

Since our flag was introduced in 1777, the design has undergone changes to reflect the admission of new states. Our citizens love the design and symbolism so much that U.S. flags can be found everywhere in our country: in front of houses, on cars, on clothes, in home decor, painted on fences, and more. However, a symbol so dear to our country deserves respect and American flags should be displayed and disposed of with proper etiquette.


Proper Flag Etiquette

Etiquette for Displaying the United States Flag

Did you know that there is a proper etiquette for displaying the United States flag? You can see the full U.S. Flag Code here. The American flag is a symbol of our great nation and the many lives that care for and protect it. Here’s how to display the U.S. flag properly.

  • Raised briskly and lowered ceremoniously, the flag should be displayed from sunrise to sunset - but not in inclement weather.
  • The U.S. flag should always fly in light. If flown outside at night, install a solar flagpole light or have other light directed towards it.
  • If there is more than one flag on a pole, the U.S. flag should always fly above other flags and should be the same size or larger than the others, and no international flags should be flown on the same pole.
  • The field of stars should be uppermost and to the left of the observer when the flag is displayed against a wall, window, or in a vertical orientation.
  • Do not allow the flag to ever touch anything beneath it or dip the flag toward any person or object.
  • When the flag is used in ceremonies everyone, except those in uniform, should place their right hand over their heart while facing the flag.
  • Public institutions should display the flag daily and on all holidays, weather permitting, near the main administration building.
  • Schools should display the flag during school days.
  • The flag should be displayed at polling places.
  • When put away, the flag should be folded and stored in a triangular fold with the stars showing. See how to fold the flag here.

Retiring or Disposing of a Flag

Etiquette for Retiring a United States Flag

When a flag has become wind-battered, worn beyond repair, and reached the end of it’s lifespan, how should you properly retire it? According to U.S. Flag Code, “The flag, when it is in such condition that it is no longer a fitting emblem for display, should be destroyed in a dignified way, preferably by burning.”

Check your local fire ordinances and the flag’s materials before conducting a flag burning ceremony at home or other private location. These ceremonies are most often conducted on Flag Day. The ceremony should begin by holding the flag in its customary manner then properly fold and place respectfully onto a fire large enough to burn the flag completely. Do not allow the flag to touch the ground in this process. As it burns, salute the flag and say the Pledge of Allegiance then pause for a moment of silence. When only ashes are left, bury the ashes.

St. Charles County Flag Collection Box

For the best safety and utmost respect when retiring your American flag, visit a community flag collection box. There’s a flag collection box in front of the St. Charles County Administration Building and another at Veterans Tribute Park. By putting your flag in one of these boxes, you can be sure that it will be destroyed ceremoniously.

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The Boehmer Team has deep respect and appreciation for the U.S. flag. We see it in the communities and homes we sell and in the hearts of the veterans, police, teachers and ordinary citizens we help every day. If you want to buy or sell American property or land to fly your very own American flag on, Contact The Boehmer Team.




Thursday, April 28, 2022

Lighting Your Home Right

Lighting Your Home Right

Have you ever gone into a room that just felt good but you couldn’t put your finger on why? It could be the lighting. In a well-lit room, everyone feels relaxed and looks their best. This is why it is important to be considerate of the bulbs and fixtures in your home and how they can create a more inviting environment that encourages people to linger.

Use Dimmers


  • Lighting Misstep: Avoid overly bright overhead lights that can tire the eyes.
  • Correction: Install dimmers.

  • Lighting Misstep: Not matching the function of the room.
  • Correction: Localize and layer your light sources to focus lighting on the main functions of a room.

  • Lighting Misstep: Using different types and colors of bulbs in the same room.
  • Correction: Learn about light bulbs and choose a similar type of bulb throughout a room to avoid different colors and frequencies of light that could make a room feel disjointed.

  • Lighting Misstep: Using lighting at all the same height.
  • Correction: Implement lighting at different heights to fill a room with soft light and create better ambiance.



Entryway Lighting

Entryway Lighting: The entryway is where your lighting story for your home begins.  Fun and functional lighting like an entry table lamp and overhead light make a great start and set the stage for the rest of the home.

Living Room Lighting

Great Room Lighting: This is a place to put our feet up or have great conversations with friends and family. Add light to your seating areas with table and floor lamps. To draw the eye up to a high or vaulted ceiling, use overhead lights. If the room has standout architectural features highlight them with a spotlight or sconces.

Kitchen Lighting

Kitchen Lighting: When lighting a kitchen, it’s about merging style with function. Good overhead lighting and lighting for cutting surfaces is important. One of the most visible forms of kitchen lighting are pendants that hang over islands or peninsulas. You can choose to have them blend in or stand out. A good tip is to match your pendants to the materials on your cabinet hardware.

Dining Room Lighting

Dining Room Lighting: In a dining room, the lighting is one of the main focal points. This is the place to splurge on lighting and put up your favorite chandelier, as it will hang at or a little above eye level. Don’t forget to install a dimmer switch in this room to set the mood. Want to tie in the dining room lighting in to your kitchen space? The tip here is to use a material or shape that is cohesive with the kitchen design.


Bedroom Lighting Tips

Bedroom Lighting: Bedroom lighting starts with overhead light. This could be a pendant, flush, lighted fan or chandelier. Then coordinate your secondary lighting choices like table lamps or sconces by choosing a similar material, color or shape that appears in your overhead lighting.


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While touring and selling St. Louis and St. Charles County real estate, The Boehmer Team have seen all kinds of ways that people light their homes. Our favorite tip is to be sure to use the same color and type of lighting within the same room. In other words, don’t make a room disjointed by mixing halogen and LED lights in the same space. Also, don’t forget to utilize natural light to brighten your spaces and save energy. Check out some of our favorite places to shop for home lighting: and When you’re ready to sell a home, contact The Boehmer Team to help you stage your home – and its lighting – to make it looks its best so that you get the most value from your home sale.



Tuesday, February 22, 2022

Common Pitfalls to Avoid When Selling a Home

Common Pitfalls When Selling a Home 

The Boehmer Team assists home sellers across the St. Charles County and St. Louis metro area to make the most of their home sale. We like to educate our clients on pitfalls to avoid during the home selling process. Here’s a list we’ve put together of common home selling pitfalls we’ve seen an advised our sellers to avoid.


Selling It Yourself

There is tons of data showing that the typical “For Sale By Owner” (FSBO) route is not the best path. Think you’re saving yourself from paying a commission to an agent? True, but you’re likely missing the chance to make a lot more money. Unless you’re an expert at home marketing, know how to set the best price for the market, enjoy detailed contracts and paperwork, have lots of time to show your home and field calls, and are an expert negotiator, then you might have a chance of successfully selling your home yourself. Likely, all of these things don’t apply to you. Hire an a qualified agent and make more money. Currently less than 10% of all sellers sell their home FSBO while 90% use an agent.*


Hiring Family or Friends

While it might seem fun to work with a friend or family member to sell you’re home, there’s a few reasons why it isn’t the best idea. Your friend or family member may be lazier complacent and underperform with you because there is less pressure to impress and get future business and/or good reviews. Imagine if things go bad, will you be able to fully express your frustrations and concerns? What would it do to your relationship? Unfortunately, we’ve heard plenty of stories involving ruined relationships due to bad real estate transactions.

Research Your Realtor

Not Interviewing or Researching Your Realtor

Even if a Realtor has years of experience, they may not be the best fit for you. Interview several agents to see if you like their communication style, their local expertise, particular specializations and their home marketing plan. Research the agents to learn about their business history and see customer reviews. Then choose the real estate agent or team that is the best fit for your needs.


Waiting for the Right Time to Sell

The right time to sell a home could be anytime. A good Realtor will advise you on what needs to be done to sell your home when you want to sell it. This could include making changes to present your home in it’s best light, or selling your home without changes at a price competitive to similar homes in the market.  A qualified and full time Realtor will be versed in the supply and demand that most affects the sales of homes like yours.

Don't Overprice Your Home

Pricing a Home Too High

We understand the thought to “test the market” with a high price. However, the usual result is the home being on the market for longer than necessary. Do you want to sell the home quickly at a good price or keep paying mortgage payments for months while you slowly lower the price to fair market value?

While there are many home value estimators online, ask a trusted Realtor to provide you with a comparative market analysis for the most accurate valuation of your home including any updates made to it for the best-suggested sale price.

Learn more about the dangers of overpricing here.

Refusing to Make Changes

When selling you want to present your home as best as possible. This includes making any necessary repairs, cleaning, decluttering, and neutralizing the décor to make the home most appealing to the maximum number of buyers. Homebuyers often point to repairs as a reason to offer less money on a home. Also, buyers can be turned off by highly specialized home décor that they will have to change. Be prepared to update your home in ways that will most appeal to buyers.


Skimping on Repairs or Hiding Issues

Beware leaving repairs unattended. Even small defects can turn buyers off. If they go through your home and find dirt, loose doorknobs, or leaky faucets, they’ll wonder if you’ve been neglecting bigger issues in the home as well.  In addition, most buyers get a home inspection after you accept their offer. If a major problem with your house comes up during the inspection, it could delay your closing date or even terminate the deal altogether.

Don't skimp on home photos

Not Using Professional Photos

Most homebuyers will most likely see your home online. Therefor, you want to have the best photos of your home available for online viewers. The photos will indicate to buyers whether they want to tour a home in person or move on to the next home listing.


Limiting showings

Once you’ve put your home on the market, there will be requests to tour the home. Try to cooperate when your agent wants to show it. This may mean scampering out at dinnertime for a private showing, vacating for several hours or even most of the day for a weekend open house. The goal is to accommodate as many buyers as possible, even if their timing isn’t necessarily convenient for you.


Not Leaving for Home Showings

While you may be curious as to who is interested in your home, sticking around for showings does nothing but make everyone feel awkward. Leave any questions to the agent and allow the buyer room to tour the home without you being present. breathing down their neck. You don’t want to stand in the way of the buyer’s ability to see your house as their dream home.

The costs of selling a home

Not Expecting The Costs of Home Selling

Be prepared for the costs associated with selling a home. A good Realtor knows how to best arrange your home sale with these costs in mind.

  • Agent commissions.
  • Closing costs: usually 1–3% of the home price including sales tax, title transfer fee, and title company closing procedures.
  • Professional home staging. If needed, the costs vary depending on where you live, the size of your home, how many rooms you want to stage, whether or not you’ll be renting decor, and different pay structures including an initial consultation and monthly fee. On average, home staging costs around $525–2,000.
  • Funds for repairs brought up by the home inspection. Depending on the seriousness of the issues that come up, repairing your house could cost hundreds or thousands. While that doesn’t mean you have to pay to fix it, buyers will expect a discount.
  • Moving expenses like hiring movers or rental storage fees can add up too. Be sure to research these costs.


Taking a Low Offer Personally

An offer on your home is part of a business transaction and not a reflection of your home, décor or housekeeping abilities. Keep in mind that if the buyers are making an offer, it is because they really like your home. A low offer can be a starting point for negotiating a good counteroffer. A truly interested buyer will likely improve their original offer in negotiations.




If you are considering selling your St. Louis or St. Charles County area home, interview The Boehmer Team. We’re an open book of real estate knowledge that we’re ready to share with our clients. Working with a team is a plus, allowing us to offer superior service, expertise in each area of a transaction, and ensures a qualified agent will always be available for your questions or needs. Learn more about us and our award-winning services at


*Data from


Thursday, January 20, 2022

Map of the Home Buying Process

Map of the Home Buying Process

Purchasing a home in the St. Louis or St. Charles County area of Missouri, although exciting, can also be challenging. However with the right Realtor(s) and the right information, the process of buying a St. Louis or St. Charles County area home can be easier than you think. We help with everything from financing to home search to home procurement. Below we’ve mapped out the home buying process for you.


The Home Buying Process Mapped Out

First Steps in Home Buying Process

This required process will help determine the price range for your home search, and give you the best position for when you put an offer on a home.

Your buyer specialist will discuss with you the features you are looking for including size, style, location, amenities, accessibility to schools and other personal preferences and must-have features.

Home Search
Your buyer specialist will provide you with homes that match your criteria, but you will also have full access to the MLS System through Register for Property Watch to save your favorite homes, store notes and receive automatic emails of new homes that match your search. Set appointments with your buyer specialist to tour any home that interests you. A qualified buyer specialist will have a variety of resources that are only available to licensed agents and should have access to homes that may not yet be marketed to the public.  They should be actively searching and assisting you with your search for your new home.

Process to Buy a Home in St. Louis and St. Charles

Submit an Offer/Negotiations
Negotiations can involve everything from settling on a sales price to concessions and financing. The Boehmer Team agents are trained, expert negotiators whose job it is to represent your interests during the entire real estate transaction.

Purchase & Sale Agreement
Once an offer on a property has been made by a buyer and accepted by the seller, they enter into a legal contract known as a Purchase and Sale Agreement. This document outlines the specific terms and conditions of the transaction and is acknowledged by both parties.

Once a buyer and seller reach a mutual agreement on a property, a home inspector is brought in to determine if the home needs any repairs. An inspector will check items, such as the roof, basement, heating system, water heater, air-conditioning system, windows, plumbing, and electrical. Afterwards, buyers may have the opportunity to negotiate with the sellers to cover the costs of certain repairs or to ask for concessions.

Don't Forget These Steps in the Home Buying Process

Title Insurance/Survey
You will receive a full report detailing the property history for you and your lender to ensure there are no legal discrepancies between a new owner and the property being purchased. If you choose to have a survey performed it would be done at this time.

Final Loan Approval
You should already be pre-approved, but now that you've entered a contract to purchase a home you will be working more in-depth with your lender on your final loan approval. To learn more about this process, pay a visit to our Mortgage Center page on

Final Walk-Through
Your buyer specialist will accompany you on a walk-through of the property before closing to ensure the home is in as expected condition and any agreed upon repairs have been performed to your satisfaction. This is also the time to double check that all closing details are completed and utility information is prepared for switch over.

How to Close on a New Home in St. Louis and St. Charles

Prior to closing, you'll receive a settlement statement outlining any fees that may apply to you. At closing, all of the paperwork is signed by the buyer and seller - both parties pay any settlement fees and the documents are officially recorded.  After closing is finalized and recorded, the home is yours. Enjoy!

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For our homebuyers, The Boehmer Team has dedicated buyer specialists on our team to assist your every need in the home buying process. Even in a competitive market, we're helping homebuyers make their home ownership dreams a reality. Contact The Boehmer Team to assist you in the home buying process or to request a printable home buying process map.



Tuesday, December 21, 2021

Winter Activities in St. Charles County


Winter Activities in St. Charles County

It’s officially the winter season in St. Charles County, Missouri. Despite the cold and short days, we still want to enjoy activities and entertainment. So what is there to do in St. Charles County in the winter? Plenty! We have a large county made up of 17 municipalities filled with parks, rec centers, and entertainment options. While we don’t have room to list them all here, we’ve put together a great list of things to in winter in St. Charles County.

Things to do in Winter in St. Charles County

Note: Click the name of an establishment to go to their website for more info.

Ice Skating in St. Charles County

Ice Skating

For fun on the ice check out Wentzville Ice Arena in Wentzville, St. Peters Rec-Plex in St. Peters, and All American Sports Complex in St. Peters.

Roller Skating

For roller skating St. Charles County has Great Skate Roller Skating Rink in St. Peters or check out Vetta 70 for their top-notch roller hockey rink also located in St. Peters.


The St. Peters Community Park, Blanchette Park , Schaefer Park and Jaycee Park have great hills for sledding.

Rock Climbing in St. Charles County

Rock Climbing

If it’s too cold to climb outdoors, that’s OK, because we’ve got Climb So Ill indoor rock climbing available in the city of St. Charles.


Let’s go bowling! One of our favorites is Plaza Lanes Bowling Center & Tubby’s Pub & Grub. Also check out St. Charles Lanes. There’s three options for bowling in St. Peters, MO: Harvest Lanes, Cave Springs Lanes and Bowlero that includes an arcade and billiards. For an unusual bowling option, visit The Corner Bar in old St. Charles that features cocked-hat bowling. This type of bowling uses three regular pins and a candlepin ball (no holes for your fingers).


There are plenty of great movie theaters for catching a movie in St. Charles County. Catch a flick at: Marcus Theaters St. Charles Cinema 18, AMC Streets of St. Charles 8, Marcus Mid Rivers 14 Cinema, Regal O’Fallon, Wentzville Tower 12, and Marcus Town Square Cinema in Dardenne Prairie.

St. Charles County Pinball and Arcades

Arcades, Pinball and More

For a range of indoor activities in one place visit Playtime Arcade and Bar in Wentzville. It features axe throwing, laser tag, mini bowling, a virtual rock wall, indoor playgrounds/inflatables an arcade and bar. Also check out Kokomo Joe’s in St. Peters featuring an arcade, bumbler cars, a trampoline park, laser tag, a laser maze, mini bowling and a café/bar. On Sundays everyone can enjoy a big array of arcade and pinball games at Two Plumbers Brewery and Arcade, the rest of the week is over 21 only. 

Escape Rooms

Want to escape the winter blues? Try an escape room. In St. Charles County there are several options including: Escape on Main located on historic main street in St. Charles, Deadlock Escape, Mastermind Room Escape, and MindBreak Escape in St. Charles, and Unchained STL Escape Rooms in St. Peters.


For some adult gaming fun St. Charles is host to Ameristar Casino, Resort and Spa. The 130,000-square-foot casino includes a full-service luxury suite hotel, an indoor-outdoor pool, seven dining venues,12 bars, an entertainment venue, and a full-service luxury day spa.


home shopping in St. Charles County

Shopping for Real Estate

Of course we had to mention this! If you are hoping to purchase a home in the spring, you’ll want to start the home buying process in the winter to get a leg up on the competition. Same with selling, if you hope to make a spring home sale you need to start preparing for the sale in winter. Contact The Boehmer Team to learn about the home buying and selling process and to get started.