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Displaying blog entries 101-110 of 422

Montgomery AL Real Estate For Sale: 191 Canyon Rd

Wednesday, March 4, 2015
by The Hat Team

Montgomery Homes For Sale:

191 Canyon Rd Wetumpka, AL 36092
MLS #315697

Contemporary Style Home in the Foothills of Blue Ridge!


California contemporary in the foothills of Blue Ridge!  Current owner bought from original owner in 1978!! Home has not been offered for sale or on the market for 37 years! Rustic wood and stone exterior with plenty of floor to ceiling glass. Stone fireplace with gas insert! Long lasting metal roof. Decks surround the living area of house. Needs kitchen, bath, carpet and paint updates. If you are willing to do some updating you could have a showplace convenient to Montgomery or Wetumpka! Still verifying lot size, owner thinks between 1 to 1.5 acres.

Marketed by Montgomery Alabama Realtor Sandra Nickel, Sandra Nickel Hat Team.

 

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Montgomery AL Real Estate For Sale: 2467 Wildwood Dr

Sunday, March 1, 2015
by The Hat Team

Montgomery Homes For Sale:

2467 Wildwood Dr Montgomery, AL 36111
MLS #315552

Stunning McGehee Estate’s Home! 

Wonderful family home on a beautiful lot in one of Montgomery's most desirable neighborhoods. This lovely McGehee Estate's home has room to spread out and lots of privacy - every room has its own bath plus a separate guest house. Entertaining is a breeze with the open floor plan, updated kitchen with high end appliances, wet bar and French doors that open on to the patio from the kitchen, dining room and master. Master has a sitting room/office/study, three walk-in closets and huge bathroom with separate his and her baths. Don't miss the huge laundry room with half bath and locked storage closet. This is a great home waiting for its next big family to enjoy!

Marketed by Montgomery Alabama Realtors, Sandra Nickel Hat Team.

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Montgomery AL Real Estate For Sale: 341 Winthrop Ct

Friday, February 27, 2015
by The Hat Team

Montgomery Homes For Sale:

341 Winthrop Ct, Montgomery, AL 36104
MLS #315478

Stunning Renovation in Garden District!

Incredible Craftsman style renovation on one of the Garden Districts best kept streets. Beautiful reclaimed columned mantle greets you upon entry into large formal living room with built in book cases. Gas logs for cozy nights by fireplace. Huge formal dining adjoins with widows on two sides with lots of sunlight. Three nice sized bedrooms and refinished floors will be the perfect complement to your furnishings. You will enjoy 18 inch hard tile flooring in kitchen as well as almost new appliances, cabinets, granite counter-tops, tile back splash, flush can lighting, bead board wainscoting and ceiling. Wonderful eat-in area off kitchen is conveniently located next to French doors to covered area perfect for cook outs. Back deck has commanding view of treed and private rear yard. Stunning main bathroom will wow you with nice fixtures, hard tile floor, vaulted ceiling, jetted tub and unique antique vanity with double sinks. Almost forgot to mention a real front porch for sitting and watching neighbors pass. Current owner has added a spacious detached out building that matches house for all your outdoor and yard things. Seize the opportunity to buy that rare vintage home with all the new things you would want in an old one. One year warranty included. Easy to show! Give us or your favorite agent a call today!

Marketed by Montgomery Alabama Realtor Sandra Nickel, Sandra Nickel Hat Team.

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Is Your Credit Score a Big Deal?

Thursday, February 26, 2015
by The Hat Team

Is your credit score a big deal? If you want to buy a home, it’s a huge deal!

Your credit score will determine if you can get a loan. It will also determine how much you can borrow and what your interest rate will be! To buy a home with a mortgage loan you must have a strong credit score.

credit scoreThere are three primary sources for credit scores in the US: Equifax, Experian and TransUnion. They all use the FICO system. These are the most used sources by creditors.

FICO developed the computer software the major credit scoring companies use. FICO scores range from 300 to 850. However, many creditors consider 500 to be the bottom of the acceptable range.

Your score is a measure of your credit-worthiness and determines the interest rate that you will pay for a loan. It’s not unusual for a creditor to obtain all three of the major scores and average them. A very good score is 700, and an excellent score in 750.

The primary factors that determine your score are:

  • payment history (35%)
  • debt/amounts owed (30%)
  • age of credit history (15%)
  • new credit/inquiries (10%)
  • mix of accounts/types of credit (10%)

65% of the total score is determined by only two factors: payment history and amount of debt owed. You must have a good history of paying your bills on time. And you must be very careful about how much debt you have relative to your income!

That last point is extremely important when borrowing for a home mortgage. As of 2014 the federal regulations governing mortgage lending have changed. Borrowers can no longer carry total debt of more than 43% of gross annual income, including the mortgage debt! Lenders are going to be very strict about adhering to that ratio. There are serious consequences for the lender not doing so.

Many actions you take affect your score. Most people don’t think about:

  • unpaid medical bills and parking tickets can lower your credit score
  • heavy credit use can lower your score, even if you pay large balances off in full in a short time
  • credit scores drop if you sign up and use store cards for initial discounts

For more advice about managing your credit, click here.

Looking forward to buying a home? Educate yourself, manage your credit score, and know your credit score before your lender does.

Information courtesy of Montgomery AL Real Estate Experts Sandra Nickel Hat Team REALTORS!

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Montgomery AL Real Estate For Sale: 3321 Cloverdale Rd

Thursday, February 19, 2015
by The Hat Team

Montgomery Homes For Sale:

3321 Cloverdale Rd Montgomery AL 36106
MLS # 315362

Classic Cloverdale Cottage!

Three bedrooms and two baths everyone desires! Walking distance to all the restaurants, Independent Capri Theater and Cloverdale Playhouse! Cozy screened in front porch for relaxing. Beautiful hardwood floors throughout the home. Nice fireplace and bay window in living room give it charm. Great updated kitchen. Incredible rear deck for entertaining and all in good condition! Detached garage will hold your car or all your miscellaneous clutter! Give us or your favorite agent a call to see this home in a great location today!

Marketed by Montgomery Alabama Realtor Sandra Nickel, Sandra Nickel Hat Team.

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Montgomery AL Real Estate For Sale: 1623 Forest Ave

Tuesday, February 10, 2015
by The Hat Team

Montgomery Homes For Sale:

1623 Forest Ave. Montgomery AL 36106
MLS # 314583

Excellent Office Space!

Reduced 13K!! Owner wants it Sold!! Nice, nice, nice, office space! Five rooms and a nice size reception area at front with counter. Near Jackson's Hospital, Alabama State University with easy access to I-85. Men's/ Women's bath, plumbed space for full bath. kitchenette, newer carpet and paint. HVAC system is less than 2 years old. Parking for 10+ cars, Large storage building in rear

Marketed by Montgomery Alabama Realtor Sandra Nickel, Sandra Nickel Hat Team.

 

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1/2% Could Make a Big Difference

Monday, February 9, 2015
by The Hat Team

Over 50% of homebuyers don’t shop to find the best interest rate for their mortgage.  While a buyer would rarely purchase the first home they look at, they will accept the rate and terms offered by only one lender.

.5 percentWhile the borrower and the property affect the rate and terms that a lender may offer, it is not to be said that all lenders will offer the same terms and rates to the same buyer.  Credit score, home location, home price and loan amount, down payment, loan term, interest rate type and loan type all affect the interest rate but different lenders can interpret this information differently.

Shopping around to compare rate and terms for a mortgage is a reasonable exercise considering that a half percent lesser interest rate could not only lower the payment but the cumulative interest that is paid while that loan is outstanding.

Some borrowers don’t shop the mortgage because they are concerned that having their credit checked multiple times could adversely affect their credit score.  The credit bureaus take this into consideration when several requests are made by the same category of lender in a short period of time.

Check to see the difference 0.5% could make in the mortgage you’re considering by using the calculator provided by Consumer Financial Protection Bureau.  Contact your real estate professional for a list of trusted mortgage professionals to consider.

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Information courtesy of Montgomery AL Real Estate Expert Sandra Nickel, Sandra Nickel Hat Team.

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Montgomery AL Real Estate For Sale: 1948 Graham St

Wednesday, February 4, 2015
by The Hat Team

Montgomery AL Home for Sale:

1948 Graham St – Montgomery, AL 36106
MLS# 315039

If you can be patient, you can own this sweet cottage on a sought after street for a lot less than you'd expect! Desirable open-space floorplan created in 2005 total restoration, which included foundation repair according to structural engineer plan. Master bedroom boasts walk-in closet, luxury bath. Detached building has heat/cool pump which makes it ideal for a home office or studio. Short sale so be prepared for a wait--it'll be worth it!

Marketed by Montgomery Alabama Realtor, Sandra Nickel Hat Team.

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Montgomery, AL Home For Sale: 1919 Norman Bridge Ct

Tuesday, February 3, 2015
by The Hat Team

Montgomery, AL Home For Sale:  

1919 Norman Bridge Ct Montgomery, AL 36104​
MLS# 314979

Great Family Home!

1919 Norman Bridge Ct

Tucked away on a quiet cul-de-sac in the Garden District, sits this cute white brick house that is a lot bigger than it appears. Check out the hard wood floors, master suite and sunroom plus two more bedrooms and a bath upstairs. With a little TLC this house would make a great home for your family. Walking distance to restaurants, shopping and entertainment.

Marketed by Montgomery Alabama Realtor Sandra Nickel, Sandra Nickel Hat Team.

 

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Montgomery AL Home For Sale: 2737 Chevy Chase Dr

Thursday, January 29, 2015
by The Hat Team

Montgomery, AL Home For Sale:  

2737 Chevy Chase Dr – Montgomery, AL 36107
MLS# 314895

Great Starter Home!


Great starter home or PERFECT addition to your investment portfolio! recent updates include paint, updates in kitchen, and creation of laundry room, accessible from the interior. Quiet cul-de-sac is so conveniently located to shopping, dining, and the interstate/downtown area. Hardwood floors throughout (except kitchen) are a plus! Carport means your vehicle is protected from elements, and you don't have to deal with getting wet in the he rain!

Marketed by Montgomery Alabama Realtor Sandra Nickel, Sandra Nickel Hat Team.

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Displaying blog entries 101-110 of 422

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