Real Estate Information Archive

Autumn is a season of change.  Leaves change color and fall from the trees, days get shorter and temperatures get cooler.  Yes, it’s really coming—we promise!  It’s also a good time to take care of home maintenance projects to prepare your home for colder weather.  Follow these autumn home maintenance tips and your house will be nice and cozy this winter:

• Clean gutters and downspouts. This should be done regularly to keep them clear of debris. You won’t have to do it as often if you install gutter guards.
• Check the wood trim around windows, doors, railings and decks for any holes or rotting.  Fill holes using caulk or replace wood if necessary.
• Give your roof a thorough inspection.  Look for shingles that are curling, buckling or cracking and replace them.  If there appears to be a great amount of damage or if your roof is just worn out from age, it’s time to replace the whole thing.  Hire a licensed professional if you’re not sure.  Make sure to also check for leaks around skylights, pipes and chimneys. 
• Hire a service to inspect and clean your wood burning fireplace and chimney and to make any necessary repairs to prevent chimney fires and carbon monoxide poisoning.
• Cooler temperatures and lower humidity make autumn a good time to paint the exterior of your home.
• Filters for your furnace and heating system should be cleaned and replaced.  Have a licensed heating contractor come out to inspect and service your gas heater or furnace.  Regular maintenance will keep it running proficiently and save you money on your heating bills.
• Check doors and windows for leaks and drafts both inside and out.  Fill in cracks with caulking or install weather stripping.
• Test your carbon monoxide and smoke detectors and put fresh batteries in them.  These are potentially life-saving devices and it is vital to take good care of them.

Check these tasks off your list now and you will be able to enjoy a warm and comfy winter!

Don’t know reliable people to contact?  Just give us a call because we do!

http://www.homesforsaleinmontgomeryalabama.com/Blog/Electrical-Safety-Hazards-Tips-to-Prevent-Them

http://www.homesforsaleinmontgomeryalabama.com/Blog/Decorating-Ideas-for-Your-Pho-Fireplace

http://www.homesforsaleinmontgomeryalabama.com/Blog/Reasons-Why-Buying-an-Older-Home-May-Be-a-Good-Idea

Montgomery AL Home for Sale:

7304 Glencoe Ct, Montgomery AL 36117

MLS# 421203

3 bedrooms | 2 baths | 1,527 square feet | Copperfield

Whether you are downsizing and need a storage unit to hold belongings you don’t have room for in your home, or you are putting your house on the market and need to store extraneous items so you can stage your rooms to sell, you want to choose one that will best suit your needs while keeping your valued possessions safe and secure.  Here are some questions to ask before choosing a storage unit:

1. What are you looking for in a storage unit?  Do you need a large or small one?  A storage unit manager can help determine what size unit you need if you provide a list of items you intend to store there.  Will you want climate control?  Units with climate control are more expensive, but if you are storing delicate items, it will be worth the extra cost to keep them safe should temperatures greatly fluctuate.
2. Where is the storage facility located?  Will it be convenient for you to get there? Storage facilities located in highly populated areas tend to be more expensive than those in more remote areas.  If you are storing things long term and won’t be visiting the unit frequently, choosing one located in a remote area may be less expensive for you. But if you are going to need access to your things on a regular basis, you will want one that is located close to where you live or work.
3. What are the business hours of the facility?  Not all storage facilities are open 24/7.  You will want to make sure that you can get into your storage unit during hours that suit your needs.  Find out if their business hours work with your schedule or if they offer on-demand access.
4. What kind of security do they have?  The fact that you are willing to pay to store your belongings means that they have value to you.  You want them protected.  A well-run storage unit facility should have at least some of the following security features:

• surveillance system that includes cameras and alarms
• a strong fence surrounding entire facility
• a gate that only provides access to people authorized to be there
• security guards
• smoke detectors, fire alarms and sprinkler systems
• well-constructed units built with safety and security in mind (good ventilation to prevent mildew, raised floors in case of flooding, solid doors with strong locks)

5. What is the condition of the facility?  Observe the facility to see if it is kept clean and tidy.  Ask about pest control and look for any evidence of infestations. Make sure there are loading docks and equipment available to you and that there is sufficient parking near the units.  Check it out at night to see if it is well-lit.  Ask how many units are currently rented. If the number is low, that is a red flag indicating that something might be wrong.
6. Do they offer theft and damage insurance coverage for your possessions?  For peace of mind, it is important that they do.

The most important thing to remember is that you should never choose as storage facility without seeing it in person first.  Visit a few and take notes on the positives and negatives of each. Making an informed decision will be the best way to be sure that your treasured personal property is in good hands.

http://www.homesforsaleinmontgomeryalabama.com/Blog/Items-to-Throw-Out-Before-You-Move

http://www.homesforsaleinmontgomeryalabama.com/Blog/Organizing-Your-Home-Made-Simple

http://www.homesforsaleinmontgomeryalabama.com/Blog/Tips-for-Keeping-Your-House-Ready-To-Show-at-Any-Time

Midtown Montgomery Home for Sale:

3549 Melton Rd, Montgomery AL 36106

MLS# 420835

4 bedrooms | 3 baths | 1 half-bath | 2,823 square feet | Vaughn Meadows

The statistics for household childhood injuries are staggering.  Over 3.4 million children experience some kind of accidental injury in the home each year.  While there is no way to guarantee child safety at home, there are certainly many things you can do to help prevent accidents and injuries.  Here are some tips for childproofing your home:

1. Use safety latches and locks for cabinets and drawers in kitchens, bathrooms and other areas to help prevent poisonings and other injuries.  Keep dangerous items such as medicines, household cleaners, lighters, knives etc. locked up. Even things with “child resistant” packaging should be kept in areas that children cannot access.  Child resistant does not mean child proof.
2. Safety gates can be used to prevent falls down stairs and to keep children out of areas with possible dangers.  When installing a gate at the top of stairs, make sure that it is bolted to the wall.  Make sure you purchase gates that meet safety standards.
3. To avoid burns, install anti-scald devices on your showers and faucet heads. 
4. Make sure you have smoke alarms on every level of your home.  It’s important to check them frequently to be sure they are working properly.  Change the batteries at least once a year.  Many people change the batteries twice a year when the time changes in the fall and spring.  Carbon monoxide alarms should be used in your home as well.
5. Corner and edge bumpers on tables and fireplace hearths will help prevent injuries if a child falls against them.
6. Children are very curious and it would be no surprise to find them trying to stick things into plug outlets.  Prevent electrical shock by placing outlet covers in outlets that you use. Make sure they fit snugly and are not easy for a child to remove. They should also be large enough that they won’t be a choking hazard should a child get one out.  If there is an outlet that you know you won’t be using, covert it with an outlet plate. 
7. Make sure that your window coverings are safe for your children.  Cordless window coverings are best, but you can also follow these tips for safety if you have window coverings with cords.
8. Large pieces of furniture and appliances can tip over and crush a child.  Make them secure by anchoring them to the floor and/or attaching them to the wall.
9. If you have a pool or spa, it is vital that you have it surrounded by a fence that is at least 4 feet tall and includes a self-closing, self-latching gate. Doors that lead out to the pool or spa should have alarms on them to indicate if someone has opened them.  A pool alarm adds another layer of protection. 

Again, while childproofing your home will not guarantee safety, it will go a long way toward protecting your children from injuries or worse.  The peace of mind you will have knowing you have done everything you can to protect your children will be well worth the effort and time put into making sure your home is as safe as possible.

http://www.homesforsaleinmontgomeryalabama.com/Blog/Electrical-Safety-Hazards-Tips-to-Prevent-Them

http://www.homesforsaleinmontgomeryalabama.com/Blog/Do-Schools-Matter-when-Buying-a-Home

http://www.homesforsaleinmontgomeryalabama.com/Blog/Organizing-Your-Home-Made-Simple

Midtown Montgomery Home for Sale:

842 Felder Ave, Montgomery AL 36106

MLS# 420833

4 bedrooms | 2 baths | 1 half bath | 4,059 square feet | Cloverdale

English Tudor was built in 1910 by the Elmore family and boasts large grand rooms, high ceilings and all the architectural details (including coffered ceilings) that you would expect from an elegant Cloverdale home. And, with an updated eat in kitchen and an abundance of living space in over 4,000 sf, this home easily meets the needs of a modern family. Special features are the fabulous sun room, a beautiful library and even an elevator. All upgrades have been made to ensure architectural integrity. Situated on a large corner lot, the very private back yard has a large covered porch and a huge wired workshop/studio space. This Midtown Montgomery  home has a fascinating history and in 1981 was the focus of the preservation of Old Cloverdale as an historic district. Come check out this beauty for your family!

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

The idea of purchasing your first home is exciting, but can also feel overwhelming.  Before starting your home search, you need to figure out how much you can afford.  If you’ve been hesitant to move forward because you’re afraid you won’t have enough cash for a down payment or that you won’t qualify for a loan, you shouldn’t despair.  There are programs available that can help you!  So, stop padding your landlord’s pockets and take advantage of programs that will assist you in making a sound financial investment in a home of your own.

The Alabama Housing Finance Authority has two programs designed to assist people with purchasing homes:

1.Step Up - Step Up is a homeownership program designed specifically for moderate-income home buyers who can afford a mortgage, but need help with the down payment.  With this program, the money for the down payment is secured by a 10-year second mortgage and is combined with a 30-year, fixed-rate first mortgage.  Since the loans are serviced by ServiSolutions, a division of AHFA, homeowners have only one check to write each month.  Program participants must complete a homebuyer education course to qualify…a small price to pay to become a homeowner!  People who earn less than $97,300 are eligible for the Step Up program, regardless of household size or location.

Step Up+ is a new, temporary program that was just announced by the AHFA in June, 2017.  This mortgage enhancement will pay the upfront split private mortgage insurance premium (up to $1,500) for homebuyers who earn less than 80% of the area median income.  This way, homebuyers will pay a lower monthly premium as part of their mortgage payment. Information and qualifications:

• HFA Preferred conventional loans only
• 3% down payment assistance available through Step Up
• For new or existing homes in Alabama
• Homebuyers must have a credit score of 620 or higher
• Must complete homeownership education course
• Must apply for loan through a participating lender
• Private mortgage insurance will be underwritten by Genworth or ARCH (no delegated options)

All Step Up+ loans must close by September 30, 2017.

The Step Up program’s standard $97,300 household income limits will NOT apply for Step Up+.

For more information, contact a participating lender.

2.Mortgage Credit Certificates - The Mortgage Credit Certificate (MCC) program gives homebuyers another savings option.  MCCs are available with conventional fixed-rate, FHA, VA, Rural Development and privately insured mortgages.  Applications are accepted on a first-come, first-served basis by a statewide network of participating lenders.  Participants must meet federally established income and sales price limits.

MCCs provide a tax credit to reduce the amount of federal taxes owed by a percentage               of the annual mortgage interest paid each year.  The remaining annual interest may be claimed as a mortgage interest deduction on the homebuyer’s federal tax return.

Qualified homebuyers pay lower federal income taxes or benefit from immediate savings by updating the withholdings on their W-4 form.  MCCs may be paired with AHFA’s Step Up program or any other 30-year, fixed rate, amortizing mortgage offered by a participating lender.

Mortgage credit rates are based on the loan amount:

• 20% MCC for loans of $150,001 or greater; no cap
• 30% MCC for loans of $100,001 to $150,000; $2,000 per year cap
• 50% MCC for loans of $100,000 or less; $2,000 per year cap

The real estate professionals at Homes for Sale in Montgomery Alabama can explain these programs to you and answer any questions that you have.  Contact them and start your home search today!

http://www.homesforsaleinmontgomeryalabama.com/Blog/First-Time-Home-Buyers-and-Unexpected-Expenses

http://www.homesforsaleinmontgomeryalabama.com/Blog/Apartment-Hunting-for-College-Graduates

http://www.homesforsaleinmontgomeryalabama.com/Blog/Home-Buying-Made-Easy

The devastation caused by Hurricane Harvey is far reaching and rebuilding after a disaster of this magnitude is a daunting task.  People have lost their homes, belongings, vehicles and businesses.  There are many ways to help the victims of Hurricane Harvey, but it is important that you make sure that if you make donations, they are going to legitimate programs.  Charity Navigator can help you find reputable organizations that are accepting donations for relief.  If you would like to donate specifically to groups located in the areas affected, please consider the following:

Houston Food Bank

Food Bank of Corpus Christi

Houston Humane Society

San Antonio Humane Society

You can also donate directly to Hurricane Harvey Relief through the following organizations:

Salvation Army Hurricane Harvey Relief

Red Cross Hurricane Harvey Relief

A 2014 article in the online Realtor magazine, realtormag.realtor.org, addresses what real estate business owners have gone through after natural disasters.  While After the Storm tells stories of loss and grief, it also offers hopeful stories of rebuilding and success.

In light of the recent event in Texas, you may be asking yourself if you are prepared for a natural disaster.  Victims often feel helpless, hopeless and overwhelmed in the days following a catastrophic event like Hurricane Harvey. While you can’t control nature, there are some things you can do to prepare that might make things a little easier for you if disaster strikes.

1. Educate yourself about what might be coming.  Check out this natural disaster risk map to find out what types of severe weather events that might happen in your area.  Prioritize your preparations by what has the highest odds of happening and go from there. You will also want to familiarize yourself with your insurance policies so that you will know what is and isn’t covered.
2. Make home improvements that specifically reduce the risk of damage to your home during a natural disaster. For example, if hurricanes are possible where you live, install storm shutters and invest in hurricane straps to help keep your roof in place during fierce winds.
3. Create an emergency kit that includes the following:

• Water - one gallon per person per day, for at least three days.
• Food - a three-day supply of non-perishables (don’t forget a can opener).
• Battery-powered (or hand-cranked) radio with extra batteries.
• Flashlights and extra batteries.
• First aid kit.
• Whistle - to signal for help.
• Cellphone with chargers (or a solar charger).
• Cash
  If flooding may be an issue, consider adding the following:
• Life jackets, rain boots, rain gear.
  
  Supplement as needed with items for any special needs, such as children, pets or any medical conditions. Also, have a "go bag" ready that you can quickly grab should you have to evacuate.

4. Keep an inventory of your belongings.  Taking a home inventory may seem like a daunting task, but during a time of loss and grief, you will be hard pressed to remember all the contents of your home if they are lost to you.  Having an accurate inventory will not only help ensure that you receive fair reimbursement from insurance, it will also make the recovery process easier.
5. Make sure your family has an emergency plan and that you have gone over it together. Address things like how you will communicate, where you will go if you have to evacuate, where you will meet if you’re not together etc.

Don’t wait until you start hearing warnings about a severe weather event to start his process.  Get prepared while you are in a calm state of mind and have time to focus on what you are doing without feeling rushed or fighting crowds of people grabbing the last of the water and batteries. You may never have to make use of any of your disaster preparations, but it is always better to be safe than sorry!

Learn more about Hurricane Harvey Relief!

Moving to a new town can be tough on kids.  Leaving behind friends and familiar places is hard enough; add in the anxiety of starting at a new school and it’s a lot for any child to handle. But while change is challenging, it can also be positive.  Here are some tips for helping your children blossom at their new school:

1. Prepare your children.  Make them part of the process of learning about their new school. Go to orientation together or arrange for a tour.  Older children, especially, will appreciate the opportunity to get the lay of the land and figure out where their classes are before the first day.  Show them where the bathrooms, gymnasium, auditorium and nurse’s office are. If possible, have them introduced to their teachers.  They will feel much more confident when they start if they are not feeling lost.
    
2. Meet friends before school starts.  Tweens and teens may have the opportunity to try out for and/or join sports teams or band during the summer.  This is a fantastic way for them to meet others with common interests.  For younger children, sign them up for day camps either at the school they will be attending (if offered) or at local rec centers.  If your community has a pool or play area, you will likely meet people there that will be attending the same schools.  Joining a community league sports team is also a great way to meet other kids that you’ll likely see at school as well.
    
3. Replicate or create first day of school traditions.  If there are things you have always done to celebrate the first day of school, stick with them.  That will give your kids a sense of familiarity and make the change of a new school less dramatic.  If you haven’t established any traditions for back to school, now is a good time to start.  Whether you fix a special breakfast, or take them for a treat at the end of the day, that little extra bit of TLC is sure to make them feel better.
    
4. Practice driving to school.  This might sound silly, but the last thing your children need on their first day at a new school is to be late.  If you are driving them to school, choose a weekday to take a test run at the same time you will be driving during the school year.  That way you will have a good idea of what time everyone needs to wake up and be ready to go.  Keep in mind that there will likely be more traffic when school starts, so give yourself a little extra time.  Make sure you know where to drop your children off and pick them up and what the procedures are for the car line.  If you are stressed, your children will be too.  If you know what you are doing, they will feel more confident.  If your children are riding the bus to school, be sure to know where the bus stop is and what time you need to be there.
    
5. Make sure your children get plenty of sleep.  Anxiety can make it difficult to sleep well.  Sleep deprivation in turn creates more anxiety.  While you can’t force your children to fall asleep, you can create an environment to aid them.  Limit screen time and make sure all electronics are put away before bed time. Set a bed-time routine and stick to it.  With all the changes taking place in their lives, children need the consistency of routine.
    
6. Don’t make it a big deal.  Sometimes the bigger a deal you make something, the more nerve-racking it becomes.  School is everyday business.  Talk openly with your kids about it. Acknowledge that it’s normal to be nervous, but emphasize, that you know they will be ok.  Avoid creating such high expectations that anything less than a perfect experience will feel disappointing to them.

If you are new to the Montgomery, AL area and need information about schools, check out these websites:

http://www.mps.k12.al.us

https://www.facebook.com/MontgomeryPublicSchools/

https://www.privateschoolreview.com/alabama/montgomery-county