Neil Thomas II, CBG Realty

Neil Thomas II, CBG Realty I'm a Real Estate Professional with Coldwell Banker Realty-Gundaker out of Lake St. Louis, Missouri.

Happy Easter everyone! He is Risen! Hope everyone had a great weekend with family😁
04/06/2026

Happy Easter everyone! He is Risen! Hope everyone had a great weekend with family😁

03/19/2026

St. Charles County just hits different.
Neighborhoods where kids play outside, neighbors know each other, and life slows down a bit.
Good schools, local charm, and a quality of life that feels easy.
This isn’t just where people live — it’s where they put down roots. 🏡

03/18/2026

This one meant a lot to me. Being able to help a former coworker become a homeowner wasn’t just about finding the right house—it was about preparation, patience, and trust.
A year before we ever toured a home, we started working on credit and building a foundation so that when the time was right, homeownership was actually possible—not stressful or rushed. Seeing that work pay off and knowing I played a small role in changing someone’s trajectory is exactly why I’m in this business.
This is bigger than real estate—it’s about helping people get ready for the next chapter. Helping great clients is always the goal.
This year, I’m on a mission to help 10 buyers and sellers make confident real estate moves—and I’m thankful for feedback like this along the way.

03/11/2026

This one was special.
My first closing of the year wasn’t just a transaction — it was helping two of our closest friends find the place they’ll raise their family.
We met years ago at church, just as members of the same community… and somewhere along the way, that turned into Sunday dinners, shared milestones, and the kind of friendship that feels more like family.
So getting to hand them the keys to their family home — and doing it in time to welcome their beautiful baby girl — was one of those full‑circle moments I’ll never forget.
Welcome home, my friends.
Here’s to new beginnings, new memories, and a lifetime of joy within these walls. 🏡✨

03/10/2026

When Jake and Melissa decided it was finally time to buy their first home, they were excited — until their lender told them a surprise student‑loan reporting error had dropped their credit score overnight. Suddenly, the home they loved felt out of reach. That’s when having a trusted realtor made all the difference.
Instead of letting the buyers spiral into panic, their agent quickly connected them with a reliable credit specialist, broke down the exact steps to correct the issue, and stayed in constant communication with the lender to keep the process from falling apart.
Within two weeks, the reporting error was fixed, their credit score rebounded, and their pre‑approval came back stronger than before.
In the end, it wasn’t just the home they found — it was the reassurance that a knowledgeable, steady realtor was in their corner, guiding them through an obstacle they never saw coming.
🏡 Buying your first home in St. Charles, Warren, Lincoln, or STL?
You deserve a process that feels clear, confident, and actually exciting—not overwhelming.
From figuring out your budget to getting those keys in your hand, I’m here to guide you through every step.
Your first home isn’t just a place… it’s a milestone. Let’s make it a great one. 🔑✨

03/09/2026

📉 Mortgage Rates: This Time Last Year vs. Today
Here are the numbers that matter:
📅 March 2025 (Last Year)
The average 30‑year fixed mortgage rate was about 6.65%. [fortune.com]
📅 March 2026 (Right Now)
Depending on the source, today’s 30‑year rate is trending around 5.87%–6.07%:

5.87% (Zillow average, Mar 3–4)
6.07% (Bankrate/WSJ, Mar 3)

➡️ Bottom line: Rates are roughly 0.6%–0.8% lower than this time last year.

🏡 What This Means for Buyers Right Now
Even a small rate drop makes a big difference in affordability.
💰 1. Lower Monthly Payments
A drop from ~6.65% to ~5.87% means buyers can potentially save hundreds per month depending on loan size.
🧡 2. Restored Buying Power
Lower rates = buyers can afford slightly more home for the same monthly budget.
Example: Some buyers who were priced out last year may now be able to re-enter the market.
📈 3. More Motivation to Move
Last year’s rates kept many homeowners “locked in” to their low pre‑2022 rates.
With today’s numbers improving, more sellers may finally list — meaning better inventory for buyers.
🔁 4. Opportunity to Refinance Later
Even if today’s rate isn't perfect, locking something under 6% now is historically strong — and refinancing is always an option if rates drop further.

03/05/2026

Welcome to this week’s Neighborhood Spotlight — where we highlight the places, the people, and the traditions that make the STL area feel like home.
Whether you’re kicking back at Frankie Martin’s Garden in Cottleville, catching the Cardinals under the lights at Busch Stadium, or grabbing funnel cakes and memories at the Wentzville Fair — both St. Louis County and St. Charles County are packed with the moments that shape our community vibe.
St. Louis County brings the classics: established neighborhoods, deep‑rooted communities, and easy access to city energy. It’s where a quick drive can turn into a night cheering on the Cards with 40,000 of your closest friends.
St. Charles County is where growth meets good times: booming suburbs, family‑friendly events, and hangout spots like Frankie Martin’s that have quickly become local staples. And when summer hits? The Wentzville Fair is basically a county holiday.
Both counties offer something totally unique — and that’s what makes living here special. My goal as your local Realtor® is to help you find the corner of this community that feels the most you.
Thinking about buying, selling, or just exploring what each area has to offer? Stick around — the spotlight’s just getting started.
Tell me: Are you Team Frankie Martin’s, Team Cardinals, or Team Wentzville Fair?⚾🎡🍻🏡✨

03/04/2026

2006 vs. 2026… same interest rates, wildly different price tags 🤯
And honestly? Buying or selling a home today can feel like a full‑time sport. The research, the showings, the paperwork, the negotiations… it’s enough to make anyone want to tap out.
But here’s the good news — you don’t have to do any of it alone.
My job is to take the stress off your shoulders so you can stay excited instead of overwhelmed. Whether you’re trying to buy your first home or sell the one you’ve outgrown, I handle the heavy lifting: the details, the strategy, the market shifts, the tough conversations — all of it.
You deserve a smooth, confident experience, not a panic attack in real‑estate form.
Let’s make your next move simple, calm, and actually enjoyable. 🏡💪✨

02/17/2026

Look Into First-Time Buyer Programs💲
You may qualify for down-payment help, lower interest rates, or tax credits! These programs can make homeownership more affordable than you think.

Set A Realistic Budget💱
Know your numbers before you start shopping. Consider the mortgage, insurance, taxes, utilities, and maintenance-buy a home that fits your lifestyle, not just your approval amount.

Research Neighborhoods🌇
Explore the area like a local. Check commute times, schools, parks, and the overall vibe. Finding the right neighborhood is just as important as finding the right house.

Work With A Trusted Agent🙋
A good agent guides you through the entire process, protects your best interests, and helps yu avoid costly mistakes-especially as a first-time buyer.

Dont Skip An Inspection🤕
Even if a home looks perfect, an inspection reveals hidden issues. It's the best way to protect your investment and avoid surprises after closing.

Want More First-Time Buyer Tips? FOLLOW For MORE🏠

02/03/2026

Buying your first home can feel exciting… and absolutely overwhelming 😅Between confusing terms, big numbers, and the fear of “making the wrong move,” it’s easy to wonder if you’re ready. Here’s the truth: you don’t have to figure it out alone. My job is to break the process down, answer every question (even the ones you think are silly), and help you feel confident every step of the way. If homeownership is on your mind this year, let’s talk 🤝📩 DM me!

I’m grateful for a space that lets me work, learn, and grow everyday! Home is more than a place-it’s where the hustle st...
02/03/2026

I’m grateful for a space that lets me work, learn, and grow everyday! Home is more than a place-it’s where the hustle starts.

Address

1100 Technology Drive
Lake Saint Louis, MO
63367

Telephone

+16368567292

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