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Tips for Homeowners in Montgomery AL

Thursday, August 30, 2007
by The Hat Team

The recent coverage of Hurricane Dean and other weather-related disasters across the country should be giving homeowners everywhere cause to take a minute and review their homeowners insurance policies.  It is a good idea to look over your policy periodically to be sure you are familiar with all of its details and feel comfortable that you will be protected before a natural disaster strikes or you have to file a claim. Below are 5 tips for understanding your homeowners insurance:

 

  1. Look for exclusions to coverage.  For example, most policies do not cover flood or earthquake damage as a standard item – these coverages must be purchased separately.
  2. Look for dollar limitations on claims.  Even if you are covered for a risk, there may be a limit on how much the insurer will pay.  For example, many policies limit the amount paid for stolen jewelry unless items are insured separately.
  3. Understand replacement cost.  If your home is destroyed you’ll receive money to replace it only to the maximum of your coverage, so be sure your insurance is sufficient.  This means that if your home is insured for $150,000 and it costs $180,000 to replace it, you’ll only receive $150,000.
  4. Understand actual cash value.  If you choose not to replace your home when it’s destroyed, you’ll receive replacement cost, less depreciation. 
  5. Understand liability.  Generally your homeowners insurance covers you for accidents that happen to other people on your property, including medical care, court costs, and awards by the court.  However, there is usually an upper limit to the amount of coverage provided.  Be sure that it’s sufficient if you have significant assets.

To learn more about homeownership and Montgomery AL real estate, please visit my website or call me at 800-HAT-LADY. 

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3145 Wilimington Rd. Mongtomery, AL

Wednesday, August 29, 2007
by The Hat Team

This charming Cloverdale style home boasts hardwood floors, spacious living room with gas log fireplace, and dining room with 2 built-in corner china cabinets. The kitchen has tile countertops and custom back splash, and the light filled sunroom has built-in bookshelves and add'l storage. With 3 bedrooms and 2 full baths, you've got room to grow. Don't miss the huge brick terrace out back with built-in BBQ grill AND raised deck in the rear shaded by huge mature trees.

For more information on this home or other Montgomery real estate, visit our website, HatTeam.com or give us a call for more personalized service, 800-428-5239.

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Montgomery AL Real Estate Update

Thursday, August 23, 2007
by The Hat Team

Finally – some positive news about the national housing market! Although home prices, including those in Montgomery, continue to slip lower, the amount of the decline is very small on a national average basis.

Here are the highlights of the National Association of Realtor's (NAR) national housing data over the past 12 months (year ending June 30, 2007):

  • Median price of a single-family home slipped 1.5%
  • Median price of a condominium rose 1.0 percent
  • Overall prices have declined 1.7% from their peak in the 3rd quarter 2005
  • 97 of 149 major metro areas appreciated in past 12 months
  • Home prices are relatively flat since bottoming out in 4th quarter of 2006
  • Recent mortgage disruptions will hold back sales temporarily
  • Prices expected to turn positive in spring 2008, with 2% gain on the year
  • Prices expected to increase further in 2009
  • Number of home sales fell more than home prices - down 10.8%
  • National home sales at 5.91 million vs 6.63 million one year ago
  • Current inventory level shows an 8 month supply of housing

Overall the news can be viewed as positive, since it now appears that the worst may be over with respect to price declines. Could we finally be headed for a turnaround in the housing market?

To learn more about the local housing market and Montgomery AL real estate, please visit my website or call me today at 1-800-Hat-Lady.

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How Walk-able is Your Montgomery AL Neighborhood?

Thursday, August 16, 2007
by The Hat Team

This week I came across a website that is just so neat, I had to share it.  www.WalkScore.com allows you to type in any address, and it will rate the “walk-ability” of that property by calculating its distance to things like the nearest grocery store, movie theater, library, school, park, and pharmacy.

 

We all know that walking is important for our health and, with all of the hype over “going green” lately, we know that walking instead of driving when possible is one way that we can all help to save the environment.  In fact, it is recommended that adults tread 10,000 steps per day to reap the many benefits of walking.  Why not consider the walk-ability of a neighborhood the next time you are in the market for a new home?  Or, if you’ve recently moved to a new home, check out the walk-ability to various destinations in your new neighborhood.

 

To learn more about Montgomery AL real estate and neighborhoods, please visit my website or call me today at 334-834-1500.  I would love to help you find a new neighborhood to explore on foot!

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1818 Winona St. Montgomery, AL 36107

Thursday, August 9, 2007
by The Hat Team

Completely renovated and ready for new owner. Eventhough it looks new, a lot of the original features were maintained. The kitchen is exceptional with granite countertops, new appliances. A 1/2 bath was added in the wide hallway. This house is precious with a wonderful tea drinking front porch.

For more informaion on this home or other Montgomery real estate, visit our werbsite, HatTeam.com or give us a call for more personalized service, 800-428-5239.

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1209 S Lawrence St. Montgomery AL, 36104

Thursday, August 9, 2007
by The Hat Team

Space abounds in this one-of-a-kind 3 bedroom 2 bath home located in the historic Garden District. Just minutes from downtown and the Cloverdale entertainment district, this home has your traditional living and dining rooms, sunny Florida room, and spacious eat-in kitchen. The lagnappe is the family room off the kitchen with vaulted ceiling, fireplace, built-in bookshelves, and deep window seat overlooking a private back yard. Upstairs you'll find a roomy master suite with tons of closet space and a cozy reading/sitting alcove. Out back there is a detached 1 car garage with storage, a covered brick patio and a nice child's playset. Kitchen has 2 antique reclaimed cupboards that remain.

For more informaion on this home or other Montgomery real estate, visit our werbsite, HatTeam.com or give us a call for more personalized service, 800-428-5239.

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Montgomery AL Interest Rate Update

Thursday, August 9, 2007
by The Hat Team

The Real Estate Journal (a subsidiary of the Wall Street Journal Online), reported this week that tightening standards in lending may worsen the housing slump being felt in much of the country.

 

In the wake of the recent controversy surrounding the sub-prime lending market, more lenders in Alabama are being forced to raise interest rates and stick with loans that are considered less risky than mortgages that were being offered previously.  It is no longer those with the weakest credit records who are feeling the sting of the tightening standards when it comes to credit, documented income, and down payment ability.

 

Read the full article here to learn how this trend may affect you if you are in the market for a mortgage.

 

If you are in the market for a mortgage in Montgomery AL, I am glad to refer you to a reputable, knowledgeable and competitive mortgage lender who will take the time to explain your loan options to you. This will allow you to make an educated decision about which home loan is best for you considering the current market conditions. Just give me a call at 334-834-1500 or visit my website. I'm here to help.

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3352 Lexington Rd. Montgomery, AL 36106

Thursday, August 9, 2007
by The Hat Team

 If you think the outside is beautiful, just wait until you get inside.  Beautiful hardwood floors, 9' ceilings, plaster crown molding plus a sun porch.  The updated kitchen has a wonderful view of the lush landscaped backyard.  There is a detached storage building and don't miss the rear toilet.  This is a must see so put it first on your list.

For more informaion on this home or other Montgomery real estate, visit our werbsite, HatTeam.com or give ius a call for more personalized service, 800-428-5239.

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Back To School In Montgomery AL

Thursday, August 2, 2007
by The Hat Team

The summer is flying by – as it always seems to do – and it is almost time to start thinking about sending kids back to school again!

 

Whether you are new to the Montgomery AL area or already have kids in school here, now is the time to take a good look at how the schools are measuring up.

 

Below is a link to information about Montgomery Public Schools – does YOUR child’s school make the grade?

 

Montgomery Public Schools

 

Also, don’t forget that Alabama’s tax-free shopping holiday starts tomorrow – Friday, August 3!

 

For more information about living in Montgomery and Montgomery AL real estate, please call me at 800-428-5239 or visit my website at www.HatTeam.com.

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5736 Sweet Meadow Drive, Montgomery AL 36117

Thursday, July 19, 2007
by The Hat Team

Montgomery Homes for Sale -
5736 Sweet Meadow Drive Montgomery, AL 36117

Better than the others in Wynbrook as this home has beautiful laminant floors throughout most of the house. The greatroom is truely great with vaulted ceilings and exposed beam. Stunning fireplace, decorator colors and split floor plan will make you feel right at home. The backyard is fully fenced with privacy fence. It has a large detached storage building and is rimmed by large shade trees. This is a must see so hurry.
For more information on this home or other Montgomery AL real estate, visit my website, HatTeam.com or give me a call at 800-428-5239. I'm glad to help!
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Displaying blog entries 401-410 of 422

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