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Seller’s Checklist for Home Inspections

by The Hat Team


It’s very exciting when you accept an offer on your home and you are ready to sell. But that excitement can go away quickly if the buyer’s home inspection doesn’t go well.  Smart homebuyers will never make a purchase without having a property professionally inspected first, so you can pretty much count on that happening.  So, it’s important for you, as the seller, to be prepared for the home inspection.  By identifying potential problems beforehand, you can make the repairs needed to avoid unpleasant surprises during the inspection. Find Out What Home Inspectors Look For

Use this checklist to help you prepare for the home inspection:

 - Make sure that all lights are working and all switches are covered. The same goes    for electrical outlets.  A general home inspection will include a visual review of the electrical system.  If the inspector finds that a light isn’t working, there is a likelihood he will recommend that a licensed contractor to check it out.

 - Take care of routine maintenance.  Put new batteries in smoke alarms and carbon monoxide detectors and be sure they are working properly. Also, put fresh air filters on your air conditioning units and furnaces.  If buyers see that small things aren’t being maintained, they will be worried that big things aren’t either.  Home Maintenance Checklist

 - Clean out areas around appliances so they can easily be inspected.  It will be difficult for the inspector if your laundry room is full of clothes or the dishwasher is full of dirty dishes.  If you have a gas fireplace, be sure the pilot light is lit so that the inspector can turn it on.  If the inspector is not able to do that, he may suggest to the buyer that you show them the fireplace works before the sale is complete.  That just adds one more thing for you to worry about.

 - Check out the exterior of your home.  View your house the way you would if you were buying it again. Is there peeling paint or hanging gutters?  If so, you can fix these problems prior to inspection so that they are not issues for the buyers.

 - Test windows and doors.  Inspectors are going to be looking for windows and doors that open and close easily.  If you have windows that are sticking, you can fix this with very little money. Simply purchase a silicone spray from a home improvement store.  Clean out the tracks of sliding doors and lubricate them as well, if needed.

 - Paint over old water stains.  Even after you have fixed a leaking pipe or roof, water stains can be left behind.  And even after the inspector has assured them that there any current moisture issues, old stains will scare buyers off just as much as new stains will. 

 - Look for mold.  Mold will scare a buyer away fast!  So be sure to check basements, attics, bathrooms and garages for any signs of mold.  If you find any, deal with it before the inspection…and before you lose your buyers. How to Test For Mold

 - Declutter before inspection.  The inspector isn’t going to care how messy your house it or how it’s staged, but he will appreciate being able to easily access everything he needs to inspect.

 - Don’t try to hide issues.  Honesty matters. If you find something prior to inspection that is going to need to be fixed, notify the prospective buyer.  You don’t want the buyer to think you are trying to hide something.  If you don’t have the money on hand to make necessary repairs, you may be able to negotiate by offering a credit at closing so the new owners can do the repairs themselves.

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!

How to Host a Fantastic Game Day Party!

by The Hat Team


Football season is here and whether you are cheering for Alabama or Auburn, that means party time!  Gathering with friends and family to watch your favorite team will be all the more fun with these game-day party tips!

GUEST LIST: Make sure to invite people well in advance so that you know how many to plan for.  If you are a die-hard football fan, you may want to consider only inviting other die-hard fans, but if you are just using the game as an excuse to have a party, invite anyone and everyone you enjoy socializing with. The more the merrier!  You also might want to make it an adult only affair. A day of watching tv and eating junk food might not be the best idea for little ones, especially if there isn’t a lot of space for them to run around and burn off energy. 

PARTY LOCATION: If you live in a tiny apartment with one small couch, you are going to want to either limit how many people you invite to just a few or you might want to totally steer clear of hosting a party at your home.  The optimal setting for a football watching party is a large room with lots of seating and a casual atmosphere.  Oh…and don’t forget…a BIG television!

WHAT TO SERVE: As far as drinks go, make sure to have a variety. Remember that some people don’t drink alcohol, so you should have non-alcoholic beverages available.  Now, for the most important aspect of a game day party…THE FOOD!  Creating a game day menu is one time when you can be a junk food junkie and feel good about it!  Think finger foods that are easily consumed while sitting on a couch watching the game. You can’t go wrong with chips, dips and nachos, but if you want something a little more substantial, great options are wings, ribs and chili.  You want to stick with foods that can be prepared ahead of time and served up easily so that you don’t have to miss any of the game.  Have some sweets on hand for dessert. They should be portable and easy to eat - like cake pops, cupcakes and brownies.  If you really want to impress your guests, make some football shaped food.  Whether you keep it simple, or go all out in terms of presentation, just make sure you have enough for everyone! 8 Football-Shaped Foods for Your Game Day Party

USE TEAM COLORS FOR YOUR THEME: Make things festive by adding decorations in your favorite team’s colors.  Think streamers, paper plates, napkins, and cups. Decorating can be the difference between a gathering and a true PARTY!

If you love to host parties and relish the idea of going all out, then go for it!  But if you just want to kick back with people to watch the game, keep it simple and don’t stress.  Most importantly, enjoy the time spent with friends and family!

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: mydish.com

2230 Mckinley Ave: Spacious Bungalow!

by The Hat Team

2230 Mckinley Avenue, Montgomery, Alabama 36107 

MLS# 460958

3 Bedrooms | 2 Bathrooms | 1,605 sqft | Capitol Heights

This cute Capitol Heights bungalow has surprising space! You will have plenty of room to spread out in the open living and dining room combination that includes room that was once a porch, now included as bonus living space. The eat-in kitchen has lots of counter space and a place for a breakfast table. Large den/family room off the kitchen could double as a master suite, as there is a "hidden" bathroom and laundry behind a paneled door on the far end of the room. Relax out back under the big covered patio, and don't miss the large attached storage room at the back right of the house. Shady back yard, too! And, at this price, this would make a great income producing investment property. 

Creating a Colorful Fall Garden

by The Hat Team

Fall gardens bring to mind vivid, jewel toned colors such as scarlet, deep purples and gold.  Planning for a fall garden needs to start early so that plants are established. Even if they bloom late in the season, they will be hardier and bloom best if they’ve been in the garden longer.  Before planting, research what kind of flowers and plants will do best in your area.  To help, here is a list of some that thrive in hardiness zone 8 (Montgomery, AL): Alabama USDA Hardiness Zone Map

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.  Given the opportunity to develop a strong root system, they will last longer. Chrysanthemums: The Ultimate Guide to Growing 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! All About Pansies

Sedum (Stonecrop): Robust, carefree, pretty, and long-lasting, sedum is about as close to perfect as you can get for a fall flower.  Sedums comes in many various sizes and colors, including mat forming, creeping, and upright varieties. Easy to grow, they are great for beds, borders, or even a rock garden.  How to Grow Sedum

If you are thinking about selling your home this autumn, let Sandra Nickel and her Hat Team of Professionals assist you with getting it on the market and sold for the best possible price!  Call them today at 334-834-1500!

A Guide to Homeowner’s Insurance

by The Hat Team


Becoming a homeowner for the first time can seem like a daunting task. There are so many details and many first-time homebuyers don’t know all the ins and outs of homeownership. It’s important to educate yourself and be prepared for what’s to come.  One aspect of being a homeowner is paying homeowner’s insurance. 

To understand how you pay for homeowner’s insurance, you need to understand your monthly mortgage payment and how it breaks down.  There are four parts to you mortgage payment: PITI. This stands for principal, interest, taxes and insurance.  The insurance part of your payment can vary depending upon your loan type.  There are some insurances that are required when you obtain a mortgage, and others that are not.  It’s up to you to decide what you need and to do so, you need to understand what they cover.

Mortgage insurance (MI) will usually be required if you are putting down less that 20% on your home purchase.  But not all loans require MI.  For example, a VA loan does not require the borrower to pay MI. It is replaced by an upfront VA funding fee. Even if you are required to purchase MI, once you have 20% equity in your home, it can be dropped. A Closer Look at the VA Funding Fee

Homeowners insurance is another requirement of getting a mortgage loan.  This is the insurance that protects your home in the event of fire, theft, or damage.  Depending on the insurance you choose, you may be covered for things like stolen jewelry and stolen or damaged electronics and/or furniture.  You must be able to provide proof of insurance to your lender before closing on your home.  This insurance not only protects you as the homeowner, but it also protects the lender in case of foreclosure or in the event of a disaster.  It is common for the lender to require you have at least enough insurance to cover the cost of rebuilding the home.

Another requirement is that you purchase title insurance. This insurance protects you by providing proof of legal ownership should someone else try to claim ownership of the property.  Should a title dispute arise resulting from a sale, the title insurance may be responsible for paying specific legal damages, depending on the policy you have. Title Insurance

There are additional insurances that are not required by your lender, but you may want to consider them for more protection.  Personal property insurance may cover personal belongings that your homeowner’s insurance does not cover, like art, collectibles, and firearms.  A home warranty is not insurance, but does offer further protection should something break. For example, you might want a home warranty for your HVAC system to cover the cost of service should it need repairs.  Purchasing additional insurance or a home warranty is a personal choice. You can talk to your mortgage banker and insurance agent regarding your options.

If you are thinking about selling your home this autumn, let Sandra Nickel and her Hat Team of Professionals assist you with getting it on the market and sold for the best possible price!  Call them today at 334-834-1500!

Photo Credit: aisinsurance.com

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