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Displaying blog entries 131-140 of 422

Montgomery AL Real Estate: The Best Of Everything!

by The Hat Team

Montgomery AL Real Estate: The Best Of Everything!

357 Felder Ave, Montgomery AL 36104
MLS# 308076

The best of everything...classic style and updated features! This beautiful federal-style 3 story charmer has elegant formal spaces and comfortable living areas. The custom-designed kitchen features high-end appliances and a chef's stove! Off the kitchen and family room is a BIG covered patio overlooking a private back yard with in-ground swimming pool. Master suite on 2nd floor runs the entire width of the home and has cozy seating area with fireplace. Access the 3rd floor from a spiral staircase and find a wonderful split design AND full bath, making a great teen retreat, rec room, home theater, or tons of upscale storage. Detached 2 car garage affords additional storage and great off-street parking.

Search all Montgomery AL Real Estate And Homes For Sale.

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

Interested in buying a bank-owned home? Get bank-owned listings alerts FREE!

You can reach Sandra by filling out the online contact form below or give her a call anytime.

How's Your IQ on the QM?

by The Hat Team

qualified mortgageThe Qualified Mortgage Rule came into effect on January 14, 2014 as one of the results to the Dodd Frank Reform Act to protect consumers from predatory lending practices.  This will affect the underwriting standards that the majority of lenders will use to qualify borrowers.

The ability to repay rule states that financial information must be supplied by the borrower and verified by the lender.  The borrower must have sufficient assets or income to pay back the loan which limits the maximum debt-to-income ratio of 43%.  In an effort to present a more accurate picture of the costs to the borrower, teaser rates can no longer hide a mortgage’s true cost.

A maximum of 3% in upfront points and fees can be paid on behalf of the borrower.  There can be no negative amortization, interest-only or balloon payments and the loan term limit cannot exceed 30 years.

While there are more requirements, most deal with good underwriting practices that are followed by reputable lenders such as considering and verifying things that affect the ability to repay the mortgage like income, assets, employment status, simultaneous loans, debt, alimony, child support and credit history.

Search all Montgomery AL Real Estate And Homes For Sale.

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

Interested in buying a bank-owned home? Get bank-owned listings alerts FREE!

You can reach Sandra by filling out the online contact form below or give her a call anytime.

Montgomery AL Real Estate: This One Is Hard To Beat!

by The Hat Team

Montgomery AL Real Estate: This One Is Hard To Beat!

3320 Richardson Rd, Hope Hull AL 36043
MLS# 307824

3320 richardson rd

$78 per sq.ft, almost 3 acres, and never occupied will be hard to beat!! Practically new construction started in 2011 and finished in 2014. This home boasts a large living space, kitchen with stainless appliances, granite counter-tops and a bar between dining area. There is a large separate den with French doors to rear of home. This home has a very large master suite and two other good sized bedrooms. Nice deck on rear of house has great view of property. Enjoy a tankless water heater. Call us or your favorite agent today.

Search all Montgomery AL Real Estate And Homes For Sale.

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

Interested in buying a bank-owned home? Get bank-owned listings alerts FREE!

You can reach Sandra by filling out the online contact form below or give her a call anytime.

 

 

Montgomery AL Real Estate: A Dream Country Retreat!

by The Hat Team

Montgomery AL Real Estate: A Dream Country Retreat!

152 Moore Rd, Ramer AL  36069
MLS# 307627

152 Moore Rd

Your dream come true--a country retreat! This "new house in an historic old skin" has been completely renovated with all new roof, systems, etc., but retains every bit of its 1830's charm. Perfect as a permanent home or weekend retreat. And access couldn't be easier: a quick 25 min drive down the Troy Hwy to the solitude of the country.

Search all Montgomery AL Real Estate And Homes For Sale.

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

Interested in buying a bank-owned home? Get bank-owned listings alerts FREE!

You can reach Sandra by filling out the online contact form below or give her a call anytime.


 

Montgomery AL Real Estate: So Much Space!

by The Hat Team

Montgomery AL Real Estate: So Much Space!

2258 Narrow Lane Rd, Montgomery AL 36106
MLS# 307538

2258 Narrow Lane Rd

Great location and So much space! This old girl is priced RIGHT for a rehab/renovation project, and its new owners will enjoy lots of living space to spread out. Large formal areas and family-style kitchen are a plus, and the over-sized sunroom with vaulted ceiling will certainly please. Located in Old Cloverdale, and minutes from entertainment and dining districts.

Search all Montgomery AL Real Estate And Homes For Sale.

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

Interested in buying a bank-owned home? Get bank-owned listings alerts FREE!

You can reach Sandra by filling out the online contact form below or give her a call anytime.

The BEST Home In Oak Forest!

by The Hat Team

Montgomery AL Home For Sale:

105 Oak Forest Dr, Montgomery AL 36109
MLS# 306897

The BEST Home In Oak Forest!


105 oak forest dr

Probably the BEST home in Oak Forest/Dave Bradley! Immaculately maintained and updated, this 2 bedroom home feels like a three with enclosed bonus room off kitchen, currently used as main bedroom. Oozing with charm, the updated kitchen has a retro feel with plenty of cabinet space. The gem of this property is the covered outdoor living area out back overlooking above-ground swimming pool and private fenced yard (complete with garden area and sandbox!) There is even a basement for storage and workspace. Don't miss the views off the back of the house...feels like you are on a hill looking down through a valley. Call us today to view this special home.

Search all Montgomery AL Real Estate And Homes For Sale.

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

Interested in buying a bank-owned home? Get bank-owned listings alerts FREE!

You can reach Sandra by filling out the online contact form below or give her a call anytime.

 

Old House Charm!

by The Hat Team

Montgomery Multi-Family:

383 Felder Ave, Montgomery AL 36014
MLS# 307051

Old House Charm!

383 felder ave
Tenants love the old-house charm of these spacious apartments (total 2431 sq ft in 2 units, each with a bonus room as well). And you'll love the fact that they stay rented and at premium prices, too. Add central heat and air and you'll even be able to push them up even higher. Architectural shingle 35 year roof just over a year old, exterior totally rehabbed. And just a block or so to Pine Bar, True and all the action in Cloverdale Village, so hop on this one today!

Search all Montgomery AL Real Estate And Homes For Sale.

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

Interested in buying a bank-owned home? Get bank-owned listings alerts FREE!

You can reach Sandra by filling out the online contact form below or give her a call anytime.

 

Perfect For Small Business!

by The Hat Team

Montgomery Real Estate:

2114 Mt Meigs Rd, Montgomery AL 36107
MLS# 306903

Perfect For Small Business!

2114 mt meigs rd
Classic cottage in good condition is perfect for your office or small business. Great traffic and visibility, and close to downtown and Interstate. Plenty of parking on site with spaces in front and in rear.

Search all Montgomery AL Real Estate And Homes For Sale.

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

Interested in buying a bank-owned home? Get bank-owned listings alerts FREE!

You can reach Sandra by filling out the online contact form below or give her a call anytime.

 

Montgomery AL Real Estate: 104 N Capitol Pkwy

by The Hat Team

Montgomery AL Real Estate:

104 N Capitol Pkwy, Montgomery AL 36107
MLS# 306519

Charming Historic Bungalow!

104 n capitol pkwy

Wow! Check this out! Only $45,000 and you get a charming Capitol Heights historic bungalow with a wonderful side porch. It has all the details that you will fall in love with and great neighbors that love old houses too. Bring your paint brush and make it yours! Call us or your favorite agent to see today.

Search all Montgomery AL Real Estate And Homes For Sale.

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

Interested in buying a bank-owned home? Get bank-owned listings alerts FREE!

You can reach Sandra by filling out the online contact form below or give her a call anytime.

What Can You Expect?

by The Hat Team

The two most frequently quoted constants in life are death and taxes.  Two more things would-be homeowners can expect in the near future are increases in mortgage rates and housing prices.

money ballInterest rates have been kept artificially low for several years by the Federal Reserve in an effort to strengthen the economy. Policy is shifting to allow them to seek their own natural level and that will surely result in higher mortgage rates.  Rates on 30 year fixed mortgages are up over 1% from January, 2013.

Foreclosure activity is down, new home starts are up and prices have been increasing in most markets for two years.  Most experts agree that the cost of housing is going up.

If the price were to go up by 2% and the mortgage rate by 1% while a buyer is “sitting on the fence” making a decision, the payment would go up by almost $175.00 each and every month for the term of the mortgage.  Even if a person can afford to make the higher payments, what could they have done with that extra $175.00 a month?  Buy furniture?  Car payment?  Principal reduction?  Retirement contribution?  Save for a rainy day?

Click here to determine what the cost of waiting to buy will be using your price home.

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Search all Montgomery AL Real Estate And Homes For Sale.

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

Interested in buying a bank-owned home? Get bank-owned listings alerts FREE!

You can reach Sandra by filling out the online contact form below or give her a call anytime.

Displaying blog entries 131-140 of 422

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