The Hat Team
Displaying blog entries 1861-1870 of 1998
Custom built rustic beauty nestled under beautiful trees. This cedar sided contemporary style home is in move-in condition and ready for new owner. Soaring ceilings in the Great Room with a cat-walk overlooking from above. Abundant storage throughout the house in addition to the 2-car attached garage.
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Wonderful Old Cloverdale bungalow has been updated and decorated by published interior designer. Gleaming hardwood floors, plantation shutters, custom silk drapes, unbelievable European style light fixtures and wonderful warm palates grace this home. The formal living room has gas log fireplace for cozy warm evenings. The dining room has a carved chandelier and 2 built-in corner china cabinets. The TOTALLY custom kitchen has poured concrete countertops and an unusual built-in cooking "niche" with secret compartments for spices and condiments. Continuing on the first floor is a guest bedroom and Italianate guest bath, study/home office and wonderful master bedroom with french doors overlooking side deck and pergola. The master bath features tile floor, double sink vanity and walk in closets. Upstairs is a large loft bedroom with unusual knee-wall storage, a private bath and a cool balcony overlooking the back yard. Outside there is a side deck with built- in pergola, detached workshop/storage building and private fenced back yard.
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Originally known as the Kessler House, this fine estate home is real "must see". Very large and spacious rooms. The front formal rooms boasts of in-laid hardwood floors, pocket doors, 12' ceilings and beautiful crown moldings. You can enjoy the screened porch, library and it even has a 2-room guest house out back, complete with 1/2
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Grand Garden District beauty has been meticulously restored and updated! This early century Queen Anne inspired home sits in the same block as the historic AL Governor’s mansion! The elegant foyer welcomes you into this home and gives way to a wonderful sitting parlor, formal living room, and banquet sized formal dining room. The spacious eat-in-kitchen is brand new, and has tons of cabinet and counter top space, and room for a large 6-person table. Upstairs you'll find 3 bedrooms and 2 newly updated baths, and a huge walk-in closet in the main bedroom. Note the views of the downtown skyline from the front bedroom! Out back there is an elevated all steel deck (never have to paint or replace rotten wood!)overlooking a courtyard-sized back yard (easy maintenance!) Under the deck is covered and enclosed parking for 1 car. Conveniently located near downtown and Cloverdale dining and entertainment districts.
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Before lending you a large sum of money to purchase a piece of
Employment and income
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Where do you work? |
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How much do you make? |
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How long have you been at your job? |
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How is your income derived -- steady salary or irregular income? (if it’s the latter, plan on providing more details so that you get a favorable interest rate) |
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What recurring debts do you have? |
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How much do you pay a month for auto loans? |
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Credit cards? |
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How much of your monthly pretax income do these debts consume? |
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How much money do you have in the bank? |
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How much will be left after you pay your down payment and closing costs? |
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How much money are you putting down? |
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Is this your own money? A gift? A nonprofit agency grant? |
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Is this mortgage for a home buy or refinance? |
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If it's a refinance, do you want to take cash out at closing to pay off other debts? |
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If so, how much? |
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Do you plan to live in the house? |
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Is it investment property? |
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A condominium? |
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A duplex? |
In order to get the best possible interest rate and gain the trust of your lender, you will want to be able to prove that you’ve had steady employment (preferably with the same employer or in the same line of work) for two or more years. You also want to avoid making any major purchases before applying for a loan – if a lender sees that you’ve just purchased an automobile last week, your debt-to-income ratio goes up and your ability to pay down a home loan goes down. It is preferable to be making a down payment of at least 5% of the sales price with your own money and to prove that you have at least two months’ worth of mortgage payments in the bank; however, there are many programs such as Fannie Mae that require much lower down payments.
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Early in my career, I noted that military families—especially officers who were widely travelled—owned a lot more “stuff” than most of their civilian counterparts. And it finally dawned on me that, for them, home probably WAS their stuff. So I felt affirmed when I read the following letter from Alan Whittle in a recent READER’S DIGEST;
“Being in the Air Force means having to move frequently. When some friends of ours were transferred to a nearby base, the local TV station interviewed them for a human-interest story. The interviewer asked their five-year-old daughter how she felt about settling into a new home. She calmly replied, ‘Oh, we carry our home with us—we just have to find a house to put it in.’”
Out of the mouths of babes…..
If you're looking for privacy and quiet, look no further. This little piece of
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Better than the others as this home has beautiful laminate floors throughout most of the house. The great room is truly 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 a privacy fence. It has a large detached storage building and is rimmed by large shade trees. This is a must see so hurry.
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Happy 4th of July,
Be sure to check out the fireworks display and family-friendly events at the Montgomery Fourth of July Riverfront Celebration!
We’ll return to discussing
Displaying blog entries 1861-1870 of 1998
