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Montgomery Real Estate For Sale: 

225 Stoney Point Titus, AL 36080

MLS#293768

What you see is exactly what you'll get! All of the designer furniture, amenities and appliances are included. This picture perfect house sits on 1.82 acres of private woods and professionally landscaped yard complete with a sprinkler system and a well. The living space is all open and there's plenty of room for all of your family and friends to hang out. Walk out on the huge screen porch that has a spectacular view of big water. There are double docks and the one on the point is where you can tie up your boat. Walk right in and begin your life on the lake as soon as you get the key!

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options.

 

Deconstruction, the careful removal of building materials for reuse, has for the past ten years been gaining popularity as an alternative to demolition.  Spurred by environmental, aesthetic, and economic concerns, it is an idea whose time has come within the home building and remodeling business.

The preservationist's answer to bulldozing a building and dumping the splintered remains into a landfill, deconstruction involves going room by room, handpicking features to be salvaged: millwork, crown moldings, leaded windows, still-sound kitchen cabinets, crystal chandeliers, and hardwood floors.  Items typically salvaged also include bricks, camontgomery al real estatebinets, windows, lighting fixtures, and countertops.

The eco-friendly construction and renovation business is growing in popularity not only among do-it-yourself consumers but also in the building and construction sector with contractors and architects. When it first emerged, green building was popular almost exclusively among environmentalists. But now those who want to save substantial dollars on building materials have joined those wanting to reverse the “throw away” trend.

The obvious advantages to such a program are the recycling of valuable resources and the decreasing impact on already over-burdened landfills.  Other positive impacts are the economic savings to the re-modelers of Montgomery AL real estate, the ease in procuring municipal permits, governmental training for deconstruction workers, and the cooperative efforts of contractors, suppliers, and homeowners.

Deconstruction stores are rapidly gaining popularity, with over 750 nationwide to date.  The inventory of these retail outlets consists of a large variety of items donated by those who are in the process of remodeling their Montgomery AL real estate and surplus materials from distributors and/or manufacturers.

 Purchasers of used items generally save one third of the cost, and buyers of new merchandise can save up to one half of the retail price.  Other economic incentives for those who donate materials include not having to pay disposal costs (pick up of the items if free) and frequently a tax deduction if the store is charity-based.

Popular stores involved in the deconstruction movement are Habitat for Humanity's Re-store, Build It Green, Green Demolitions, ReNew Salvage, and EcoBuilding Bargains.  Check with your contractors to find others near to your Montgomery AL real estate.

Search all Montgomery AL Real Estate And Homes For Sale.

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

Interested in buying a bank-owned home. Get bank-owned listings alerts FREE!

You can reach Sandra by filling out the online contact form below or give her a call anytime.

Montgomery Real Estate For Sale: 1439 Adrian Lane Montgomery, AL 36111

MLS#286954

Pretty hardwood entry opens to beautiful living room. Formal dining room has fantastic views out double doors to patio and pool. The cook will love the spacious kitchen with and abundance of cabinet and counter space plus tiled floors. There is carpet over hardwood in living areas and bedrooms. Shows beautifully and immaculately maintained!

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

 You can reach Sandra by filling out the online contact form below or give her a call anytime.

 

 

Time is Right to Invest in Montgomery AL Real Estate

by The Hat Team

Simply stated, low home prices and low interest rates make this a great time to become an investor in Montgomery AL real estate"We haven't seen home prices this low in so many years, coupled with the rates being so low," says Jill Sjolin, an agent in Washington who specializes in investment properties. "When the money is cheap to borrow and the houses are cheap to buy, it's absolutely the best time to invest."

montgomery al real estateIt goes without saying, of course, that the first step in acquiring investment property is to analyze your finances to make sure you can afford it without compromising the security of your other assets.  Look closely at your income, savings, and spending habits. Check each of your three credit reports well before you start looking at Montgomery AL real estate or shopping for lenders. Consider tax implications, property taxes, and renovation costs. Online calculators can provide you with a guide to possible financial outcomes of the purchase and rental of an investment property.

The next step is to determine the goal for your purchase. Investment property can yield income two ways--through regular rents and/or capital gains. Most experts advise novices to invest for the long term rather than try for quick flips and to begin with residential Montgomery AL real estate rather than commercial properties.  Click here for more tips, including financing options, for first-time investors.

Once you have determined the how? and the why? of your investment transaction, you move on to the where?  Locating the right property is easier if you work with a real-estate agent experienced in investment property deals who can help you locate promising properties.  A second option is to collaborate with a more experienced real-estate investor and close a deal together. In this economy, an experienced real-estate investor may be willing to work with you in exchange for the capital you can provide, giving you the opportunity to glean investment knowledge and experience firsthand.

With foreclosures flooding the real estate market, many investors are hitting the auction circuit looking to capitalize on the next great deal. For those who are new to this venue, there are a few ‘rules of thumb’ you’ll want to keep in mind before placing your bid. PropertyAuctions.com provides detailed information, explanations, and some essential tips for those looking to get in on the auction action. 

Search all Montgomery AL Real Estate And Homes For Sale.

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

Interested in buying a bank-owned home. Get bank-owned listings alerts FREE!

You can reach Sandra by filling out the online contact form below or give her a call anytime.

Midtown Montgomery Real Estate Market Trends - April 2012

by The Hat Team

Housing and the economic recovery will play a large part in deciding the outcome of the 2012 presidential election, according to public policy experts at this month's Legislative and Political Forum during the Realtors® 2012 Midyear Legislative Meetings & Trade Expo. Former Republican National Committee Chairman Michael Steele, leading Democratic strategist Celinda Lake, and National Economic Council Director Gene Sperling provided their unique insights into issues affecting the long-term direction of the country.

"As the leading advocate for homeownership, the National Association of Realtors® is working closely with policymakers to ensure that mortgages are more readily available for qualified buyers and real estate investors," said NAR President Moe Veissi, broker-owner of Veissi & Associates Inc., in Miami. "We believe efforts that help creditworthy homebuyers obtain mortgage financing and allow more people to stay in their homes or avoid foreclosure through streamlined short sales are important for a housing and economic recovery."

Lets look at the statistics in our local real estate market? 

Midtown Montgomery real estate sales statistics for April show the number of homes sold decreased by 14% compared to April 2011. The average sales price increased by 19% to $159,152 during the same period. The median sales prices increased by 26%, and market times increased by 28% or 41 days.  The highest selling home price decreased by 6%, and the lowest selling home price decreased by 29%.

 

Midtown Montgomery April 2012 April 2011
Homes Sold 25 29
Average Selling Price $ 159,152 $ 129,495
Median Selling Price $ 135,000 $ 100,000
Days On The Market 146 105
Highest Selling Price $ 600,000 $ 649,000 
Lowest Selling Price $ 6,000 $8,500


Search all Montgomery AL Real Estate And Homes For Sale.

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

Interested in buying a bank-owned home. Get bank-owned listings alerts FREE!

You can reach Sandra by filling out the online contact form below or give her a call anytime.

Montgomery Real Estate For Sale:

3427 Richmond Rd, Montgomery AL 36111
MLS# 293251

Pristine Ranch With Upgrades Galore!

3427 richmond Rd

Pristine ranch just one block from Cloverdale Idlewild! Great updated eat-in kitchen with granite countertops, chic tile back splash, new appliances including a stainless refrigerator! Wonderful corner brick fireplace in the living room/dining room. Spacious paneled den that looks out onto the covered patio and right beyond that is the sparkling pool! There's no shortage of storage with double closets in each bedroom and a huge greenhouse/storage shed in the backyard. Brand new HVAC, new carpet and fresh paint...this one's a deal!

Search all Montgomery AL Real Estate And Homes For Sale.

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

Interested in buying a bank-owned home. Get bank-owned listings alerts FREE!

You can reach Sandra by filling out the online contact form below or give her a call anytime.

Montgomery AL Foreclosure Trends - April 2012

by The Hat Team

There were 819 Montgomery AL foreclosure homes for sale with 1 in every 936 housing units receiving a foreclosure filing in April 2012. The average selling price of a Montgomery AL home was $105,207 and the average foreclosure selling price was $76,446, a $28,761 savings according to RealtyTrac.com.

Montgomery AL Foreclosure Activity and 30 Year Interest Rate

Montgomery interest rates averaged 3.91% in April while the number of foreclosed homes dropped from 108 to 101.

montgomery al foreclosure

Foreclosure activity is based on the total number of properties that receive foreclosure filings – default notice, foreclosure auction notice or bank repossession – each month. Interest rate is based on the average 30-year fixed rate from Freddie Mac Primary Mortgage Market Survey.

Montgomery AL Foreclosure Geographical Comparison

Montgomery AL foreclosure activity was 0.03% lower than national statistics, 0.03% higher than Alabama and 0.01% higher than Montgomery County statistics for April 2012.

montgomery al foreclosure 

Montgomery AL Foreclosure Activity by Month

The number of Bank-Owned properties increased from 28 homes in March to 35 in April. The number of Auctions dropped from 81 to 66. There is a 6-month rising trend.

montgomery al foreclosure

Are you or someone you know behind on mortgage payments and facing a Montgomery foreclosure? You do have options. A short sale may be the answer to saving you, your family and your home. I am a Certified Distressed Property Expert (CDPE) with specialized training in helping families avoid foreclosure. Give me a call for a private consultation.

Search all Montgomery AL Real Estate And Homes For Sale.

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

Interested in buying a bank-owned home. Get bank-owned listings alerts FREE!

You can reach Sandra by filling out the online contact form below or give her a call anytime.

 

When the Obama administration rolled out the Home Affordable Modification Program (HAMP) in 2009, officials estimated 3 to 4 million borrowers would seek relief from their mortgages through the program during the worst recession and housing market collapse in decades. More than two years later, however, those projections have proven to be optimistic, to say the least. According to the Treasury Department, only about 700,000 homeowners had sought aid from HAMP through the third quarter of 2011.

montgomery al real estateA major reason for the smaller number is that many distressed owners of Montgomery AL real estate are intimidated by the confusing process involved in applying for HAMP and don’t know how to go about getting the help they need.  It doesn’t have to be that way, however.

Stephfan Nurse, a loan modification expert and founder of ConsumerEducationOnline.com, says, “The key is knowing and understanding your options. With education, you are empowered."  His online site is designed to give owners of Montgomery AL real estate the information they need to navigate the process. It includes a free pre-qualifier, where homeowners can input their figures and determine for which modification program they qualify.  It also offers software to assist in preparing financial statements and necessary documents, thus reducing stress on the applicant.

In order to make the loan modification process go as smoothly as possible, it is necessary that you, the owner of Montgomery AL real estate, understand it fully and seek available help. Visit Making Home Affordable for free HUD-approved counselors, helpful phone numbers, detailed explanations of terms, etc.

Be aware that HAMP is not your only option. The fact is that more than 70 percent of modifications now are internal modifications made available by the investor holding the mortgage note. The only way to get an internal modification is to ask for one. Worth noting: HAMP bases its modifications on gross income (your mortgage must exceed 31 percent of what you make in a month) while internal modifications are based on monthly net (after-tax) income.

Another important tip: Be complete and thorough in your paperwork. Lenders receive thousands of faxes every day, so make sure your account number is on every page and that all questions and categories are filled out. It's also best to follow up with the lender weekly.  Being diligent, informed, and proactive are effective ways to hold on to your Montgomery AL real estate.

Search all Montgomery AL Real Estate And Homes For Sale.

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

You can reach Sandra by filling out the online contact form below or give her a call anytime.

Ways To Protect Your Montgomery AL Home

by The Hat Team

Because more and more Montgomery AL homes are being burglarized, especially in the recent quest for gold items, more and more homeowners are taking steps to protect their homes and their families.  According to the Insurance Information Institute, intruders will generally bypass your residence if they would be forced to work in the light, have to take more than four or five minutes to break in, or if noise will be a factor. 

montgomery al homeAlthough 80% of homeowners with burglar alarms rated them rated them as effective, the financial cost for this peace of mind is not inexpensive.  Consumer Reports magazine says the owner of a Montgomery AL home should expect to pay $1-$2 per square foot and at least $25 monthly for monitoring.  Start-up expenses also need to be investigated.  Before purchasing or leasing any system or monitoring service, make sure that you get multiple quotes, know the type that is best for your house, and check the contract for specifics concerning early cancellation fees and company liability limits.  You can also read online reviews and ask for references for present and past owners.  Homesecurity.com offers tips on assessing types of systems, choosing what is best for your home, and comparing the prices of alarm companies.

The most effective security system is actually the least expensive--the monitored burglar alarm. The following list summarizes some options along with the pros and cons of each.

  • Wireless home security system: inexpensive, runs on batteries and will alert you to fire and gas emergencies as well as burglaries. Needs to be monitored to keep the batteries charged; if it does not call authorities, it may not be effective against burglary in rural areas.
  • Home burglar alarm system: makes a lot of noise letting neighbors know to call authorities. Drawback: if neighbors are at work at the same time you are, there may be no one there to call for you. Also, burglars know how to disarm these and go on about their behavior.
  • Home security camera: lets you see what is going on at your Montgomery AL home from work as long as you have access to a computer. Drawback: the system can be expensive, and if you are supposed to be working, you may not have the time to pay attention to your home.
  • Motion Detector (Lights) Alarm with Telephone dialer: this alarm connects to a telephone socket and will automatically dial a preset number if motion is detected within 20 feet. It will also set off a 125 decibel siren, although you can select the silent alarm option. The only drawback to this one is that you have to remember to set the alarm when you leave the house. This is the cheapest and most effective option, especially when combined with door and window contact sensors.
  • Driveway alert: uses a weather-proof, infrared motion detector that sends a signal to a base unit located inside the house. The base unit then sets off an alarm. Drawback: A smart crook probably won’t come down the driveway.
  • Door and window contact magnets: sensors featuring a magnetic seal that detects movement if a door or window is disturbed. Not particularly effective by themselves, but very effective when installed as part of a monitored system.

Search all Montgomery AL Real Estate And Homes For Sale.

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

You can reach Sandra by filling out the online contact form below or give her a call anytime.

Montgomery Real Estate For Sale: 

3224 LeBron Avenue Montgomery, Avenue Montgomery, AL 36106

MLS#292445

 

 

 

 

 

 

 

 

Looking for a charming Cloverdale cottage with 3 bedrooms 2 full baths in a great location and great condition? Look no further...your search is over!! It's only a short walk to the lower Park and under $200k. Beautiful hardwood floors and transoms you expect in a home of this vintage add to the historic charm. This home features many classic details. You will find an updated kitchen which opens to rear wrap-around deck perfect for cookouts and entertaining. Two bedrooms and a bath down, nice size main bedroom-bath suite upstairs with lots of closet, storage space, and even a trunk room.  Attached bonus room now being used as office complements bedroom suite. Covered porch off dining room is a great place to sit relax and watch your neighbors stroll past. This home has had but 3 owners and comes with an original set of blueprints. Walk to the Capri movie theater, Cloverdale Playhouse, 1048 Blues club or one of many other local restaurants or hot spots!! Motivated seller has priced it to sell! Please give us or your favorite agent a call to see today!

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

You can reach Sandra by filling out the online contact form below or give her a call anytime.

 

 

 

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