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Reasons to Refinance Your Home Mortgage in 2016

Wednesday, July 6, 2016
by The Hat Team

Should l reinvest?

There are many benefits to refinancing  and some of those reasons you will find listed below. 

  • A lot of folks tend to rack up credit card debt toward the end of each year and have some credit card debt to pay off in the next year.  By refinancing your home you can put all of your credit card debt together and into the refinance.  It is much better to pay off your credit card at say 5% instead of the interest you may be paying such as 18%.  A good rule of thumb however if you do plan to use your refinance to get rid of your credit card debt is to cut the cards up and vow not to use them again.  Perhaps you can keep one credit card that is to be used for emergencies only.
     
  • Another great reason to refinance your home this coming year is to start saving towards retirement or even towards your child’s college education.  Both of these are good causes and if refinancing can help you get to your goal of savings for these two a bit more quickly then why not take advantage of it. 
    ​​​​
  • One of the biggest reasons folks tend to refinance their homes is to get a better interest rate.  This is a very good reason to refinance because many times you can get a much lower monthly payment by having a lower interest rate and this may help you to more easily pay other bills that may have fallen behind. 
     
  • This last reason to refinance your home may sound a little out of place but if you happen to need a reliable vehicle and you haven’t been able to afford one, you can throw your car loan into the refinance as well.  This is good if you have been trying to make your old worn out car last as long as possible but it has finally begun costing you more in repairs than the car is actually worth. 

There are plenty other reasons to refinance your home  in the coming year and even some reasons why you may not want to.  Do your homework to see what is worth it to you and what is not when it comes to refinancing your home.  

Courtesy of Montgomery AL Real Estate Expert Sandra Nickel.

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Midtown Montgomery Home For Sale: 3318 Dartmouth Circle

Tuesday, July 5, 2016
by The Hat Team

3318 dartnouth cir

Midtown Montgomery Home For Sale:

3318 Dartmouth Circle, Montgomery AL 36111
MLS# 404995

2 bedrooms | 2 baths | 1,401 square feet | Narrow Lane

Under $120K! Charming 2 bedroom, 2 bath home in a wonderful area in Midtown Montgomery near Cloverdale. Hardwood floors. Cute as can be kitchen with Mexican tile. The real deal is the master bedroom and closet (HUGE). French doors opening to a very multi-level deck across the back of the house. You must see the backyard! Garage and workshop.

Marketed by Montgomery AL Realtor Frank Powell, Sandra Nickel Hat Team.

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Midtown Montgomery Home For Sale: 3154 Wilmington Rd

Tuesday, July 5, 2016
by The Hat Team

3154 wilmington rd

Midtown Montgomery Home For Sale:

3154 Wilmington Rd, Montgomery AL 36105
MLS# 404726

Need a lot of space on a budget near Cloverdale!! This could be your chance to own a three bedroom,  two bath home with a two car attached garage for less than $129,000. This home is located in the popular South Hull District in Midtown Montgomery and has an active neighborhood association. There are many period details including hardwood floors and built-in cabinets. The backyard is fenced and has old brick patio and walkways… it could be a showplace. Make this one the 1st on your list to see. Seller needs a little notice as she home schools children.

Marketed by Montgomery AL Realtor Billy Young, Sandra Nickel Hat Team.

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Midtown Montgomery Real Estate Market Trends - May 2016

Thursday, June 30, 2016
by The Hat Team

house-sold

When putting a home on the market, there is a lot to consider. How will you find a REALTOR®? What should you price the home? And the big one—is the home ready to sell? Most sellers know to get rid of clutter and fix any big or obvious problems. But what else can sellers do to get top dollar for their home? The National Association of REALTORS has identified some staging tips for various rooms in a home. After all, NAR research shows that 81 percent of buyers believe it is easier for them to picture themselves in a home when it’s staged. To appeal to those buyers, NAR recommends scrubbing the fireplace, focusing on symmetry in decoration, packing up dishes that don’t match your main set in your cupboards, making the extra bedroom a fun activity room to showcase other functions (like a sewing room or office), and keeping all closets as empty as possible.

Check out how many local sellers were successful selling their homes in May:

Midtown Montgomery Real Estate Market Update

Midtown Montgomery real estate sales statistics for May 2016 show the number of homes sold decreased 11.36%. The average sales price increased by 26.35%. The median sales price increased by 50.65%. Market times decreased by 55 days.

Midtown Montgomery May 2016    May 2015
Homes Sold 39 44
Average Selling Price $152,841 $120,963
Median Selling Price $145,000 $96,250
Days On The Market 111 166
Highest Selling Price $360,000 $330,000
Lowest Selling Price $1 $9,999


For the latest Midtown Montgomery real estate market conditions in your area, please call me at 800-HAT-LADY or visit HomesForSaleInMontgomeryAlabama.com.

Information is provided by the Montgomery Area Association of Realtors and is deemed accurate but not guaranteed.

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What Realtors Do - You'll Be Surprised!

Wednesday, June 15, 2016
by The Hat Team

what realtors do

Think you know what a real estate agent does on a daily basis?  You might have to think again in order to correctly identify all the responsibilities on the shoulders of your REALTOR (a real estate agent who is a member of the National Board of Realtors).   You most likely would be surprised—and impressed—to discover the wide range and long list of activities undertaken by your REALTOR in your pursuit of buying/selling a home.

A basic job description would include renting, and buying, and selling (oh, my!) real estate for clients, interviewing potential clients, previewing and showing  property, discussing sales conditions, drawing up and presenting offers, holding open houses, and writing contracts—all the while meeting deadlines and hand-holding when necessary.  Oh, but there is so much more for your REALTOR to do, including, but certainly not limited to, the following duties:

  • Staying current with market trends in your area
  • Analyzing comparables
  • Exploring and evaluating mortgage options
  • Finding buyers or properties for clients
  • Scheduling appraisals
  • Keeping up with changing federal/state laws and program
  • Negotiating between parties
  • Preparing MLS listings
  • Promoting properties via ads, web sites, videos, and virtual tours
  • Completing required courses, attending seminars, and the like
  • Coordinating inspections, walk-throughs, and closings
  • Arranging for title searches

But did you know that the National Association of Realtors awards grants to groups of state and local real estate associates who attempt to go above and beyond in promoting and expanding housing opportunities in their communities?  These REALTORS work together to design and implement affordable housing programs and are thus eligible for the NAR grants twice a year.  In addition, the NAR offers programs, training, and resources for these groups.  Click here for details of the Housing Opportunity Program.

Remember, real estate doesn’t sell due to advertising alone. In fact, a large share of real estate sales comes as the result of a practitioner’s contacts through previous clients, referrals, friends, and family. When a property is marketed with the help of a REALTOR®, you do not have to allow strangers into your home. Your REALTOR® will generally pre-screen and accompany qualified prospects through your property.

Contact us!  We’re qualified, experienced, and looking forward to assisting you.

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Montgomery AL Home For Sale: 501 S Panama St

Monday, June 6, 2016
by The Hat Team

501 s panama st

Montgomery AL Home For Sale:

501 S Panama St, Montgomery AL 36107
MLS# 403462

3 bedrooms | 2 baths | 1,076 square feet | Highland Park

Great investment property or sweet starter home! This precious brick cottage has hardwood floors and lots of character. Large fenced back yard great for pets or children to play. Corner lot adds to privacy. Detached garage in rear makes great storage.

Marketed by Montgomery AL Realtor Billy Young, Sandra Nickel Hat Team.

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Midtown Montgomery Real Estate Market Trends - April 2016

Wednesday, May 25, 2016
by The Hat Team

Midtown Montgomery real estate sales statistics for April 2016 show the number of homes sold increased 18.92%. The average sales price decreased by .38% to $152,959. The median sales price decreased by 4.14% from April 2015. Market times increased by 16 days.

Midtown Montgomery April 2016    April 2015
Homes Sold 44 37
Average Selling Price $152,959 $152,387
Median Selling Price $128,450 $134,000
Days On The Market 154 138
Highest Selling Price $515,000 $391,000
Lowest Selling Price $18,500 $14,000


For the latest Midtown Montgomery real estate market conditions in your area, please call me at 800-HAT-LADY or visit HomesForSaleInMontgomeryAlabama.com.

Information is provided by the Montgomery Area Association of Realtors and is deemed accurate but not guaranteed.

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Midtown Montgomery Home For Sale: 3426 Idlewild Ct

Monday, May 16, 2016
by The Hat Team

Midtown Montgomery Home For Sale:

3426 Idlewild Ct, Montgomery AL 36106
MLS# 403403

2 Bedroom | 1 Bath | 1,335 square feet | Idlewild Cloverdale 

Charming Cloverdale Idlewild cottage in Midtown Montgomery tucked away on a quiet cul-de-sac. This home is move-in ready with fresh paint, pretty hard wood floors and a cute updated kitchen. The nice sized bedrooms have ample closet space. The bright sunroom opens up to a large back yard with a great multi-level deck, a carport, a huge workshop with electricity and a second lockable storage unit. Walking distance to restaurants and entertainment. 

Marketed by Montgomery AL Realtor Lauren Layfield, Sandra Nickel Hat Team.

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Midtown Montgomery Home For Sale: 2033 S Hull St

Monday, May 9, 2016
by The Hat Team

2033 s hull st

Midtown Montgomery Home For Sale:

2033 S Hull St, Montgomery AL 36104
MLS# 403327

3 bedrooms | 2 baths | 2,485 square feet | Garden District

Incredible opportunity on a wonderful street in the Garden District. Situated on a beautiful lot with a park like setting in Midtown Montgomery, this house has tons of potential. Spacious rooms and tall ceilings make it feel like an open floor plan. Bring your decorator and put your own touch on this classic Garden District home.

Marketed by Montgomery AL Realtor Lauren Layfield, Sandra Nickel Hat Team.

 

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Midtown Montgomery Home For Sale: 3525 Bankhead Ave

Friday, May 6, 2016
by The Hat Team

Midtown Montgomery Home For Sale:

3525 Bankhead Ave, Montgomery AL 36111
MLS# 403196

3 bedrooms | 2 baths | 2,650 square feet | Edgewood

Lovely Edgewood home on a beautiful lot situated on the east side of Bankhead Ave. Classic traditional ranch boasts a modern updated kitchen with granite counter-tops, beautiful hard wood floors, spacious bedrooms and plenty of closet space. Last, but not least, an unexpected fabulous Florida Room with huge stone fireplace and great space for entertaining friends or relaxing with the family. Great deck overlooking a large, pretty backyard with lush landscaping. Detached garage great for storage or a workshop. Check this wonderful home in Midtown Montgomery out today!

Marketed by Montgomery AL Realtor Lauren Layfield, Sandra Nickel Hat Team!

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