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5 Tips For Creating More Privacy

Thursday, May 19, 2016
by The Hat Team

privacy

So you have just made one of the biggest purchases of your life by buying a home of your own and now you need to make it a bit more private.  You have come to the right place!  Let’s look at a few tips for creating more privacy in your new home. 

  • If you happen to live in a big city where the houses are basically on top of each other you may want to line your floors with a lot of area rugs.  While this simple step to making more privacy in your new home sounds like a silly thing, it really will help to keep the noise level down to a minimum if your neighbors tend to be loud. 
  • Lined curtains are a perfect way to help your home feel like an oasis in the middle of the country even if it is not.  These types of curtains also help to filter out loud noises as well. 
  • If you have a spot on your windowsills to put planters they can aid you in making your home more private.  All you need to do is put some tall plants in the planters and voila, you will have more privacy from your neighbors. 
  • One good way to have privacy outdoors for your new home is by putting up a privacy fence.  Privacy fences can help to keep pets safe as well as make your outdoor area a nice place to “get away from it all”, which we can all use every now and again. 
  • Tall scrubs and trees are a great way to shield yourself from your neighbors and make your home feel more private.  Scrubs and trees will also help to make your new home more beautiful and help the environment as well. 
  • If you simply cannot feel enough privacy in your new home, you can hide in a reading nook under the stairs or in a small attic space so that you can escape from time to time from those around you.  If your new home doesn’t have a small space like this, you can likely make one quite easily. 

Lastly if privacy is extremely important to you, it may be worth your while to look for a home in the wide open country so that you don’t have to make any previsions for more privacy. 

Courtesy of Montgomery AL Real Estate Expert Sandra Nickel, Sandra Nickel Hat Team.

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Tips to Downsizing Your Home and Saving Big

Friday, May 6, 2016
by The Hat Team

downsizing your home

Although the economy has improved some over the last few years, it doesn’t seem to be getting a whole lot better for most Americans.  A good way to save money is downsizing your home.  This is especially a good idea if you have already raised your family and you and your husband are left paying a mortgage on a home that is too large for you.  Let’s take a look at how downsizing your home will help you to save a bit of money, to live more comfortably as well as some easy ways that you can downsize.

  • One easy way to downsize is to look for a home that has a small garage or even no garage at all.  If you and your spouse are living in the home alone and your children are grown it is likely that you don’t have a bunch of stuff to store in a garage.  Buying a home without a garage is a great way to get more house for your money and to downsize your payment. 
  • Finding a home without a lot of land is another way to downsize and to save big.  You can find a lot of cute houses on the market these days that don’t have a ton of land with them.  It is also good to find a home without a lot of land if you are older and don’t have the stamina you once had to do all the yard work that is involved with a house with a lot of land attached. 
  • Buying a home that is one story is also a good way to downsize and to save when it comes to buying a new home.  Buying a home without stairs is good for when you get older as well because you won’t want to or may not be able to climb them once you get up in years. 
  • Realize that you don’t have to give up on the home of your dreams when you downsize.  There are plenty of adorable houses on the market that won’t break your bank account that are 1500 square feet or less.  Don’t let society dictate to you that you need a large house in order to fit in.  There are plenty of upsides to downsizing to a smaller home!

Once you set your mind in the right direction and you realize that you don’t need to have a huge house and that it’s no longer important to “keep up with the Jones’’ you will be well on your way to saving a lot of money.

Courtesy of Montgomery AL Real Estate Broker Sandra Nickel, Sandra Nickel Hat Team!

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3 Tips For a Smooth Home Inspection

Wednesday, March 23, 2016
by The Hat Team

home inspection

Whether you are selling your home or you are looking to buy a home, there are a few things that you need to know to help your home inspection go as well as it possibly can.  Home buyers need to know that the house they are buying is in good shape and home sellers need to be on the up and up when selling their home. When it comes to home inspections there are a few tips that can help the inspection go smoothly and the process be as stress free as possible. 

  1. If you are selling your home and you have a home inspection on the schedule, do your part to make it easy on the inspector by getting your pets out of the house while he or she is doing the inspection.  Your home inspector may love and adore animals as much as you do but your pets being under their feet during the inspection will not make the job any easier. 
     
  2. During a home inspection, typically the potential buyers are inside alone with the inspector and they may want to look around to take one last look at things before making a final decision.  If you want to make a good impression on those potential buyers, you may want to clean up the clutter you have left laying around.  Believe it or not clutter can cause a potential home buyer to walk away without making an offer.
     
  3. As a homebuyer don’t freak out if the home inspector comes up with a list of things that need to be taken care of in the house.  You need to realize that most houses have some sort of upkeep or maintenance that needs to be taken care of and that inspector’s are known for being nit-picky.   Realize too that most everything can be fixed.  Even the dreaded mold and radon.  Realize as well that home inspectors cannot predict the future and won’t be able to tell you how long something will last; they will just be able to tell you that it needs attention. 

Hopefully these tips will help you out the next time you have a home inspector coming to your home, whether you are selling or buying.  Remember that the home inspector is there to help you not to harm you or to ruin your dreams.

Courtesy of Montgomery AL Real Estate Experts Sandra Nickel Hat Team.

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Home Improvements To Sell Your Home

Thursday, March 17, 2016
by The Hat Team

home improvement

Below are a few home improvements that will help sell your home this spring.

  • A fresh coat of paint inside your home is a great way to improve the way your home looks and get it ready to put on the market.   Try to keep a neutral theme if you can when painting because you want others to be able to see themselves living in your home and not the other way around.  You will likely be amazed at just how much difference a fresh coat of paint will make to your home. 
  • Panting your front door a color that pops is a great way to get awesome curb appeal.  Many folks will love your home simply because it has a red door and it stands out above all the others in the neighborhood.  Use a pop of color on your front door to your advantage when trying to sell your home!
  • Pressure washing your home is a great way to make it shine if your home is vinyl siding.  You may have lived in your house so long that you forgot what color your siding actually is until you pressure wash it.  This is another way to have great curb appeal when you put your house on the market. 
  • If your house has columns at the front it may be a good time to replace them or at least give them a fresh coat of paint.  Over the years columns tend to expand and crack and make the house look older than it actually is.  Give your home a facelift by taking care of issues like these before you put it on the market.
  • Refinishing your hardwoods is another way to make your home look its best.  You can do this yourself or you may want to choose to hire someone to do it for you.  Either way, refinishing your hardwoods is a great home improvement idea!

Courtesy of Montgomery AL Real Estate Expert Sandra Nickel.

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5 Hacks For Childproofing Your Home

Thursday, March 10, 2016
by The Hat Team

childproofing

You may or may not have small children living in your home but even if you don’t you might have a family member or a friend who does, so tips on childproofing your home may be advantageous to you.  There are several ways in which you can make your home child friendly so that you don’t have to worry about any little ones getting hurt or any of your stuff destroyed. 

  • The first and most important tip to make your home childproof is to cover your electrical outlets.  For some reason electrical outlets are very interesting to little hands and fingers.  The best way to keep the kids from exploring your electrical outlets is to buy covers for them.  Make sure to get the electrical outlets that are not that hard for you to pull out so that you don’t constantly have to try so hard to remove them when you want to use an outlet. 
  • This may sound silly but get on your hands and knees and travel around your home looking for things that might be dangerous.  You may find that you see much more clearly by getting down to a child’s level when it comes to childproofing your home.  Fix any issues you deem to be hazardous to kids while you are in this position.
  • Put glass items and valuables up high out of reach of children.  This will not only help keep children safe in your home but it will also keep your valuables from getting broken.
  • If you have anything sharp such as a fireplace with edges made from stone or brick you may want to buy covers for those edges to use when you will have small children around.  If you have little ones who live in your home you may want to keep these areas covered at all times. 
  • If you have a swimming pool, always make sure that someone is outside watching the children if they want to play in the back yard.  Even if you have the pool surrounded by a fence you need to make sure the kids are looked after if they are anywhere near a pool. 

Hopefully some of these ideas for childproofing your home will be helpful to you and will prevent an accident from happening.  Once you feel as if your home is childproof then you will no longer have to worry about little ones getting hurt and you can enjoy your new or existing home. 

Courtesy of Montgomery AL Real Estate Experts Sandra Nickel Hat Team.

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4 Savvy Hacks to De-clutter Your Home

Wednesday, February 17, 2016
by The Hat Team

declutter

Now is a perfect time to de-clutter your home if you are planning on putting it on the market this spring. Getting rid of unwanted or unnecessary items will be a great help to you when you begin having your house shown.  Here are 4 savvy hacks to de-cluttering your home.   

  1. A great way to get rid of things in your home  that you no longer use or want is to invite your friends and family over to look through it.  Your sister for instance may have had her eye on your collection of vases for a very long time and by letting her have them you may be creating a stronger bond with her all the while cleaning your house of items you no longer need. 
  2. Having a yard sale to de-clutter your home is always a good idea especially when it starts getting warm outside.  Folks love to attend yard sales and many folks attend them on a regular basis.  One suggestion, if you decide to de-clutter via yard sale,do not put prices on your items.  Putting prices on your yard sale items is basically a waste of time.  You can easily talk about a reasonable price with a customer once they have shown interest in an item.  If you have the items priced many times the potential customer will not even let you know they are interested in purchasing the item because they think you have it priced too high.
  3. Donating your household items to charity is a great way to not only get a tax benefit but to help people in need.  If you want to go a step further in this process you can ask if you can hand out items for free to those who come in for help.  You may be surprised at just how good it feels to help those less fortunate than yourself. 
  4. If you have some time on your hands and you don’t have to worry about getting your house on the market quickly, you can always sell your items on EBay.  You may get more money this way but it can take a bit longer than the other ideas. 

Hopefully this list of savvy tips for getting rid of your unwanted household items will help you on your way to a more streamlined home.  Again, whether you are planning to stay in your home for a few more years or you are planning to put it on the market, cleaning things out is always a great feeling!

Courtesy of Montgomery AL Real Estate Expert Sandra Nickel.

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Tax Rules for Gifting Real Estate

Friday, January 8, 2016
by The Hat Team

gift house

Did you give the gift of real estate this holiday? If so, you need to be sure to abide by the tax rules that are associated with giving such a large gift. 

  • It may be a good idea to give the cash for your loved one to purchase a house instead of purchasing a house for them.  You may think you know your relative or friend better than anyone but you may not know all their secret hopes and dreams because they may not tell you every little detail about themselves.  If you give cash to your loved one to buy a home you need to keep the amount at $14,000 or less.  The gift tax limit for a yearly gift called the annual exclusion allows you to give $14,000 cash or less to as many folks as you would like each year tax free.
  • Another great way to give the gift of real estate without disobeying any tax rules is to give the gift of a cash down payment. You will want to make sure that the loan officer knows that this is a gift and not a loan.  You will need to fill out the appropriate paperwork so that the fact that the down payment monies is a gift will be well clarified, otherwise you risk your friend or loved one losing out on getting their mortgage. 
  • If you would like to sell your children’s childhood home to them you may do so but be sure that you are careful how you do it.  Seller financing your home to your children is a great way to avoid being taxed to the max.  In this type of sale you basically will be given a small down payment and you will hold the note on the property.  This type of real estate gifting is great as long as you can trust your loved one to pay down the mortgage. 
  • Selling your home to your loved one at a low ball price is another way to give the gift of real estate all the while abiding by tax rules.  Of course the IRS may think you are crazy but once they see you are selling to a family member they will understand. 

Remember if you do decide to give the gift of real estate to abide by the tax rules and regulations and you will be sure to have some excited recipients! 

Courtesy of Montgomery AL Real Estate Expert Sandra Nickel!

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Energy Conservation Tips For Your Home This Winter

Friday, December 11, 2015
by The Hat Team

energy conservation

The crisp air has arrived as winter is approaching quickly, which means we are all going to be looking for ways to keep warm.  There are ways to stay warm and cozy inside of your home that won’t cost you a mint this winter if you follow a few energy conserving tips such as the ones below. 

  • Insulation can do wonders for your home this winter.  You may think that your home is already properly insulated but it may be that a few areas are not insulated as well as they should be.  Check for cracks in door frames, window panes and other areas where warm air may escape and cold air may be able to come inside.  You may want to add some more insulation to pipes that are already insulated if the current insulation has become worn out or is thin. 
  • Clean your heat filters so that your system runs as efficiently as possible.  This will help to cut down on your heating bill. 
  • You may not be aware that you can hire professionals to come to your home to check it for energy efficiency.  This is what is known as an energy audit.  The professionals check your home for energy loss and areas in which your energy efficiency can be improved.  Many times this service is free of charge. 
  • Don’t wait for the middle of the winter to stock up on items such as ice, shovels, blowers and the like.  These items will go up in price during the winter months, so be sure to purchase them on the off season or as soon as they are available for purchase in your local store. 
  • If you can stand to lower your thermostat a bit you stand to save a good deal on your electric bill.  Wrap up in blankets and or snuggle with your loved ones during the coldest part of the winter. This will not only save you some money but it may also help you and your family to grow closer together and have a time of bonding. 

Stay warm this winter and save on your electric bills at the same time by putting all or a few of these energy saving tips to good use.  There is no reason why you can’t stay warm all the while saving a bit of cash.  Who knows, you may end up with so much savings that you have extra money to spend this Christmas! 

Courtesy of Montgomery AL Realtors Sandra Nickel Hat Team!

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7 Questions You Must Answer Before Refinancing

Friday, November 13, 2015
by The Hat Team

refinancing

Homeowners have a variety of reasons for refinancing their homes. Before you make a decision about refinancing your home, you might consider the following questions. Below is a summary of an article in RISMedia by Michele Lerner, a writer for Bankrate.com.

1. What are my financial goals? Are trying to lower your monthly payment? Check out an online mortgage calculator to estimate your new payment. Other homeowners are choosing to refinance for a shorter term to pay of their mortgage faster and save interest.

Before you make the decision to refinance, the professionals advise making sure you contribute to retirement savings and college savings, pay off high-interest debt, and save 6-12 months of expenses, because reducing your mortgage payment period will increase your monthly payment.

2. Do I have equity in my home?

You need at least 20% equity in your home to qualify for a new conventional loan without payment private mortgage insurance. The alternative might be applying for an FHA loan that requires much less equity.

3. Do I have good enough credit?

4. Credit scores are critical under the new federal lending guidelines. Below a score of 620, you will have trouble qualifying for a new loan at all. It takes a score of 720 or better to obtain the best interest rates.

5. How long do I plan to stay in this home?

Mortgage professionals general tell borrowers to expect to pay 3% to 6% of the loan amount for a refinance. If you divide that loan cost by the annual savings you expect by a reduced mortgage payment, you can find how many years it will take to break-even. Do you expect to stay in your home long enough to break even?

6. What are the terms of my current loans?

Make sure you know the terms of your current loan. Especially, make sure your existing mortgage does not have a prepayment penalty.

7. Do I have a second mortgage or a line credit?

If you do, there is added complexity to refinancing. You will have to either pay off the second loan or combine the two into one mortgage when you refinance.

Lenders have tightened up the approval process. Be sure to get professional advice from a lender about what levels of income, credit score, and equity you will need to refinance in your specific situation.

Courtesy of Montgomery AL Realtors Sandra Nickel Hat Team!

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On the fence about renting or buying??? Free info here!

Tuesday, October 20, 2015
by The Hat Team

buying a home

Many young people are debating whether they should renew their lease or sign a contract to purchase their first home. If you’re one of these people who’s on the fence about renting or buying, check out our FREE Fall 2015 Buyers Guide, Things to Consider When Buying a Home! You’ll learn why now is a good time to buy, what you need to know about the mortgage process, where home prices and interest rates are headed and so much more. No obligation, of course! Download your FREE Buyers Guide then contact us to get started in the purchase of your dream home.

Information courtesy of Montgomery AL Realtors Sandra Nickel Hat Team!

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