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Displaying blog entries 401-410 of 1998

Home Closing Expenses: Be Prepared

by The Hat Team


When you make an offer on a home and it gets accepted, you have every reason to be excited. Becoming a homeowner is making an investment in your own future; likely the largest financial investment you will make. However, it is prudent to be aware that there are other costs involved in purchasing a home other than your down payment and monthly mortgage payments.

Closing costs are an expense you may not be aware of if you are a first-time homebuyer. These costs must be paid prior to closing on the home. They include property taxes, homeowner’s insurance, title search fees, and appraisal fees. In addition, the closing costs provide the funds that pay the people who have performed services throughout the loan process, like the appraiser and your real estate agent.

Your closing costs will be itemized for you and provided at your closing. But it is important that you look over them closely and take the time to ask any questions you may have before you sign any documents. If there is something you do not understand, your mortgage banker or Realtor can explain it to you.

The homebuyer can negotiate with the seller to determine who will cover the closing costs, but every loan has different guidelines about how much a seller can pay.  Your mortgage banker can provide you with your options. How to Negotiate Your Mortgage Closing Costs

Whether you end up paying for all or just some of your closing costs, it is crucial for you to include the amount you will have to pay into your budget. You can estimate the cost by calculating 2% to 6% of your purchase price. For example, if your loan is $200,000, your closing costs will range anywhere from $4,000 to $12,000. You will also receive a document from your mortgage banker after you apply for your loan that will list the anticipated closing costs. They may change a little during the process, but it will give you a good idea of what to expect.

So, while saving for a down payment is an obvious necessity, you may want to also set aside some cash each month to go toward other expenses associated with buying a new home. 5 Expenses That Shock First-Time Home Buyers

If you are in the market to buy or sell a home, let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs!  Call them today at 334-834-1500!

Photo Credit: foxbusiness.com

Building a DIY Fire Pit

by The Hat Team


Spending time outdoors in the fall and winter months is not much fun if you are cold, but if you have a nice, warm fire to gather around, you can enjoy outdoor time despite cooler temperatures. It is fairly easy to build your own fire pit and it can be done in a short amount of time without breaking the bank. So, follow these steps and before you know it you will be toasting marshmallows around your own DIY fire pit!

Step 1: Go to a home improvement store and purchase your materials. Choose your large pavers first. They are not expensive and work perfectly as the ring for your fire pit. I recommend getting enough to make your fire pit deep and wide.  Depending on the size of the pavers, you will need twelve or thirteen for each level of the pit. So, if you are doing three levels, you will need 36 to 39 pavers.  You will also need smaller pavers for the floor of the fire pit, and paver sand for filling in the gaps and spaces. Paver Fire Pits 

Step 2: When you get your materials home, choose the site for your fire pit and arrange the large pavers in a circle creating the diameter of your pit. Then arrange two additional levels on top of the base you have created. Be sure the gaps between pavers are as small as possible. You may have to adjust them several times before you get them just right.

Step 3: With the smaller pavers, build the floor of your fire pit.  Make sure that they fill in the entire space.  You may have to get some that are shaped differently to make them fit.

Step 4: Use paver sand to fill in the cracks and spaces in the floor.  Fill in the spaces and then use a broom or your hands to spread it evenly across the floor.

Before you begin your project, check out these  Do's and Don'ts of Building a Fire Pit.

Now you can build a roaring fire and enjoy your new fire pit!

If you are in the market to buy or sell a home, let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs!  Call them today at 334-834-1500!

Photo credits; hgtv.com and dektile.com 

Create a Bold, Beautiful Autumn Flower Bed

by The Hat Team

Autumn gardens bring to mind vivid, jewel toned hues such as scarlet, deep purples and gold.  It is not too late to add a burst of autumn colors to your landscaping.  But, before planting, research what kind of flowers and plants will do best in your area.  To help, here is a list of some that will thrive in Montgomery. Hardiness Zones 8A & 8B

Goldenrod: This low maintenance beauty has been erroneously blamed for causing hay-fever.  The real culprit is rag weed.  The pollen in goldenrod is too heavy to fly in the air.  Instead, it sticks to the legs of the butterflies and insects that feed on its nectar.  It blooms late in the season and is deer and drought resistant.

Chrysanthemums:  Commonly called “mums”, these richly hued plants are true sign       of fall. When buying mums, look for ones labeled “hardy mums” or “garden mums” for the best chance of having them thrive throughout the season.  Plant them as soon as you buy them.  Late August is not too early.  Given the opportunity to develop a strong root system, they will last longer. When to Plant Mums

Helenium: Part of the daisy family, this cheery flower blooms in yellow, orange and red bringing a vibrant ambiance to your garden. These tough, easy-to-grow perennials bloom late in the season and last a long time.

Asters: Available in a variety of hues in shades of pink, purple, blue and white, these perennials bloom from mid to late fall.  Loved by bees, butterflies and other pollinators, they provide a late feeding opportunity for them.   Plant them as soon as they are available in early fall so that they can establish a strong root system.

Pansies: One of the most popular cool weather annuals, pansies are favorites for fall flowerbeds. They are very hardy and can continue to bloom through winter and into spring, thereby adding lively color to your garden almost year ‘round! The ideal time to plant pansies in hardiness zone 8 is late October.

With temperatures cooling a bit, now is a great time to get outside and bring a bold, beautiful autumn aesthetic to your flower beds!

If you are in the market to buy or sell a home, let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs!  Call them today at 334-834-1500!

3346 Montezuma Rd: Epitome of a Cloverdale Charmer!

by The Hat Team

Montgomery AL Real Estate For Sale:

3346 Montezuma Rd, Montgomery AL 36106

MLS# 479771| 3 Bedrooms | 2 Baths | 2,041 Square Feet | Cloverdale

3346 Montezuma Rd

Virtual Tour

The epitome of a Cloverdale charmer! From the inviting front porch you will walk in to find a bright living room with a beautiful mantle, a large dining room and cheerful eat-in kitchen. Right off the kitchen is a cozy family room/den that opens onto the wrap around deck, which gives you plenty of room to entertain family and friends in this adorable house. There is one bedroom downstairs and two up, all with pristine hard wood floors. You can move right in to this immaculately kept home in Midtown Montgomery that has been cared for by the same family for decades. Come see for yourself today!

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

Home Pricing Myths That Can Hurt Your Sale

by The Hat Team


When you are putting your home on the market to sell, your top priority may be money. As in, how much money can you get for your house? And it should be. Owning a home is likely the largest financial investment you will ever make and it is only natural that you want to get the most profit possible when you sell.  Setting the right asking price can mean the difference between selling quickly or having your home languish on the market for months. The following myths can be harmful when trying to decide on the best price to ask for your house:

  1. YOU’LL GET A BETTER OFFER IF YOU WAIT -  Receiving an offer right away when you list your house can give you a false sense of confidence that it is a hot commodity. You may think that if this buyer was willing to make an offer so quickly, then surely many other people will be interested in your property as well.  But the truth is, you might not get another offer…at all, let alone for more money.  With no other offers guaranteed, it may be in your best interest to accept the first offer if it is a fair one. Do You Accept the First Offer on Your Home, Or Wait and See?
     
  2. YOU SHOULD LEAVE ROOM TO NEGOTIATE WHEN PRICING YOUR HOME You want top dollar for your home. Of course you do! But overpricing it, thinking that will leave room for you to accept a lower offer, may backfire on you. Buyers might see the high price and not even bother looking at the property. And if you keep dropping the price, buyers might wonder what is wrong with the place.  Price it fairly to begin with and you are more likely to achieve a successful, profitable sale.
     
  3. YOUR HOME IS WORTH MORE THAN YOUR REALTOR SAYS IT IS -  An experienced, professional Realtor will be able to tell you how much your home is worth based on the current market. You should trust your Realtor. While online estimates might tell you that your home is worth more (yay!) or less (boo!) than your Realtor states, they are likely not accurate. Trust your Realtor over the internet. It is as simple as that.
     
  4. YOU CAN GET BUYERS TO PAY FOR HOME IMPROVEMENTS YOU MADE IN ORDER TO SELL -  While some home improvements have a better return on investment (ROI) than others, you are not likely to get back all that you spend getting your house ready for the market. It is wise to educate yourself about which home improvements will help you sell, which will get you a better ROI than others, and which might not be worth bothering. The Best (and Worst) Projects for Your Home's Resale Value
     
  5. REDUCING THE ASKING PRICE IS A SIGN OF WEAKNESS -  Nobody wants to drop the asking price of a home. But it is important to remember that time is money. And if time is passing and nobody is showing any interest in your home, you are still stuck paying the mortgage, taxes and insurance. This will be especially stressful if you have already purchased a new home. Lowering your price a little may be all it takes to generate interest and who knows? You might end up getting your original asking price anyway!

If you are in the market to buy or sell a home, let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs!  Call them today at 334-834-1500!

Photo Credit: orthodonticslimited.com

3146 Malone Dr: Tons Of Space and Tons of Storage!

by The Hat Team

Montgomery AL Real Estate For Sale:

3146 Malone Dr, Montgomery AL 36106

MLS# 479667 | 3 Bedrooms | 2.5 Baths | 2,163 Square Feet | Hillwood

3146 Malone Dr

This one level, end-unit home in Midtown Montgomery is larger than most on the street, and has tons of storage! The great room has a wet bar, stone fireplace and plenty of space for all the furniture you don't want to leave behind when you downsize. The formal dining room is big enough for your table and china cabinet, and the eat-in kitchen has room for a breakfast table & chairs. The large sun room off the kitchen overlooks a private enclosed courtyard with nice planting beds for gardening. A half bath off sun room has additional storage for holiday decorations. The attached covered garage with a rear entry from alleyway provides off street parking and easy covered entry into the home. The bedrooms have low maintenance wood floors and lots of closet space!

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

3127 Mastin Lane: Great Investment Opportunity!

by The Hat Team

Montgomery AL Real Estate For Sale:

3127 Mastin Lane, Montgomery AL 36106

MLS# 479794 | 4 Bedrooms | 2 Baths | 2,172 Square Feet | Cloverdale/Idlewilde

3127 Mastin Lane

Virtual Tour

Great investment and income producing property in the heart of the Cloverdale/Idlewilde neighborhood in Midtown Montgomery. Each of the two units has hardwood floors, large living/dining room combo, and updated kitchen with two bedrooms and a bath upstairs. Both units also have a covered back porch and a rear deck with a nice back yard area. Each unit currently rents for $750 per month. Perfect for young professionals, college students, or live on one side and let your tenant pay your mortgage!

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

2284 Carter Hill Rd: A Beautiful Remodel

by The Hat Team

2284 Carter Hill Rd, Montgomery AL 36106

MLS# 479398

3 Bedrooms | 2 Baths | 2,156 Square Feet | Country Club Estates

Virtual Tour

Another beautiful remodel done by Clayton Mitchell. This is a great house at a great price, right in the heart of Midtown Montgomery. Close to Cloverdale, Huntingdon, ASU, Zelda Rd shopping and a growing Downtown! A very spacious 3 bedroom, 2 bath home with a fully renovated kitchen complete with new custom countertops, new sink, new flooring, new plumbing, new cabinets, new vent hood and SO MUCH MORE! The back den area is a separate entertainment space that is very large and features new flooring, new drywall ceiling, new blinds, new paint and more. The former Jack and Jill bathroom has been converted and renovated to make a true master bathroom off the master bedroom. Master bathroom updates include a new toilet, new shower and shower door, new trim and new shelving. The exterior has been tastefully repainted and cedar shutters have been added. The backyard backs up to a city park that is well maintained as well as a potential BBQ PIT off the back of the house. There is fresh paint throughout and all hardwood floors have been refinished. Also a new dishwasher and refrigerator. TOO MANY UPDATES TO LIST. Give me a call or txt to go see!

Marketed by Montgomery AL Realtor Brennan Parker, Sandra Nickel Hat Team

House Hunting? Don’t Let These Features Keep You From Buying

by The Hat Team


So, you’ve decided to buy a house. Chances are you have a good idea of what you want, and an even better idea of what you don’t want.  With all these ideas in your mind, looking at houses can become overwhelming.  While there are a lot of things that can be deal breakers for buying a home, there are some things that are not as bad as they seem. If you have found a home that is otherwise right for you, here are some things to look past when making your decision to buy:

  • FUNKY WALLPAPER AND UGLY PAINT - A house that is move-in ready is great, but sometimes the perfect house just needs a little TLC.  Wallpaper can be removed and a new coat of paint can do wonders to improve the look of a home that has good bones.  These small cosmetic changes do not have to break the bank. So, try to ignore the weird wallpaper and unfortunate paint jobs and keep in mind that this is a DIY project you can handle! How to Remove Wallpaper
     
  • HOW A ROOM IS USED - The people currently living in the home might be using rooms in ways that you do not care for.  For example, maybe they have converted their formal dining room into a playroom for their children. Or perhaps they needed and office more than a guest bedroom.  Just because they have the home arranged that way, does not mean that you must keep it that way.  Try to overlook the way they have the rooms set up and picture the way you would use them.  It might be challenging for you to “see” it, but if this is your dream house, you don’t want to let something this minor stop you from buying it. 25 Smart, Inspiring Ways to Use a Spare Bedroom
     
  • DIRTY CARPET -  Ugh…there is nothing worse than nasty, worn out carpeting in a house. But if you love everything else about a home, do not let dirty carpet be a deal breaker for you.  Like wallpaper and paint, it is easily replaced.  Often, you can even negotiate for new carpet (or the cost of it) in your offer.  If the owner is anxious to sell, they just might be willing to replace the carpet for you.
     
  • THE OWNERS’ BELONGINGS - While many Realtors recommend that sellers remove as many personal items as possible before showing their home, not all sellers comply. A lot of “stuff” can be very distracting and make it difficult to really see the house as your own. But if the house is everything you are looking for - right location, right size, right style etc., do not let all that stuff ruin it for you. Look past all their clutter and try to picture the space with your furniture and belongings. 

If you are in the market to buy or sell a home, let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs!  Call them today at 334-834-1500!

Photo Credit: thehouseshop.com

Happy Labor Day!

by The Hat Team

Displaying blog entries 401-410 of 1998

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