Real Estate Information Archive

When trying to sell your house, you want to make the best possible impression on potential buyers.  While some buyers will say that they knew a house was right for them the minute they walked in the door, other buyers will tell you they knew immediately that a house was NOT right for them. Sometimes deal-breakers are personal, but often they apply to many and can damage your chances of a profitable sale (or any sale at all).  Avoid these deal-breakers to get the best deal when you sell:

• Pests - It seems obvious that people would be turned off by seeing bugs in a home, right?  But sometimes homeowners get used to having “bug problems” and don’t think about how they might negatively influence buyers.  Seeing one or two bugs, like maybe a fly or random little spider, might not be that big of a deal. But if a roach crawls out while people are looking at your house? Forget it.  They are out of there!  If you have any kind of infestation, you need to nip it in the bud before you start showing your house.
• Pets - Just because you love your pets and consider your home very “pet friendly” does not mean other people feel the same way.  There are a myriad of reasons why having pets can ruin a home sale. Sometimes it’s simply that animals make people nervous.  Taking your pets out of the home during showings can solve that problem.  But other things, such as visible food bowls, kitty litter boxes etc. can turn off people who don’t live with animals.  And any kind of pet odors can do a lot of damage as well.  It is a good idea to make sure your house is free of any pet paraphernalia and pet odors before opening it up to buyers.
• Small/Outdated Kitchens - Big, open kitchens are one of the most desirable features for homebuyers.  If you have a cramped, closed off kitchen, updating it before you put it on the market will be well worth it.  Not only will you be able to sell it faster, you will get a better price for it and odds are you will likely recoup the money you spent sprucing it up and then some.
• Cheap Upgrades - Poor quality shows.  While you don’t want to spend a ton of money on a house that you are leaving, you also don’t want to hurt your chances of selling it by making cheap upgrades and repairs that are poorly executed.  Unless someone is looking for a “fixer upper”, they are going to lose interest quickly if they see a lot of shoddy upgrades.
• The Roof - A roof in bad condition will scare away potential buyers quickly.  The idea of buying a house and immediately having to foot the bill for a new roof is not appealing.  If your roof is old or in need of repair/replacement, take care of it before putting your house on the market.  Otherwise, expect to have to lower your asking price. If your buyer is obtaining a loan, the lender may well require you replace the roof before closing.  A new roof will not only improve resale value, it will also boost curb appeal, both of which will increase your chances of selling and getting the best price possible!

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As a real estate agent, I love helping people purchase their first home.  However, there are two major challenges that I see time and time again with first time home buyers:

1. They often carry too much debt.
2. They don’t have enough cash for a down payment.

These two issues are strongly related in that people need to reduce debts that inhibit them from saving money.

We all know that we shouldn’t spend more than we earn, but falling into the debt trap is easy to do.  You see a pair of boots that you must have and you think, I will use my credit card now and pay for them with my next paycheck.  It sounds reasonable at the time, but next thing you know you’ve done something like that often enough that there is a beastly credit card balance hanging over your head.

So, now you’re in debt.  You have regrets, but no use doing the “should have, would have, could have” dance.  Now it’s time to move forward and take the steps needed to reduce your debt.  Here is a list of things to do to change the way you manage your money.  Follow these steps and before you know it you will be on your way to saving for a down payment on your first home!

1. Stop adding to your debt. The first step to getting out of debt is to stop adding to your outstanding balances. To remove temptation, carry only one credit card with you…and make sure it is the one with the lowest limit so that it is impossible to get into serious trouble with it.  Leave any other credit cards in a safe place at home to keep yourself from going on an impulsive shopping spree. 
2. Take an inventory of your spending habits. This may not be a fun activity, but it is helpful to see how you are spending.  Create a list of where your money goes each month including rent, utilities, car payments, food, credit cards etc. Once you have done this, split the list into two categories: bills you must pay every month and debts you need to pay off.  The second list then can be organized in order of urgency, either based on outstanding balance or highest interest rate.  Now you will have a clear picture of your debt situation. Financial Inventory
3. Eliminate the largest debts first. Make a minimum payment for each of your credit card bills, but then make an extra payment on the bill that is at the top of your list. Do this monthly until that bill is paid in full.  Now take the money you were using for that bill and start applying it to the second item on your list.  Continue this until all of them are paid off. 
4. Cutting expenses and making the payment.  If you are already in debt, how are you going to find money for an extra payment?  Well, some sacrifices will have to be made.  Cutting back on extras like trips to Starbucks, entertainment and eating out can free up cash that can go toward that extra payment each month.  Cutting Monthly Expenses
5. Prepare for the Unexpected. Sometimes life is a struggle and unexpected challenges such as car repairs or medical expenses will pop up from time to time.  As you cut expenses and start to save money, set up an emergency savings account just for these occasions.  That way you will be prepared and won’t have to use a credit card and add to your debt.
6. Lower your interest rates. Give your credit card company a call to see if they will lower your interest rate. If they say no, shop around for a card with a lower rate and transfer your debt (be careful of transfer fees to make sure the transfer benefits you). You can also seek out a consolidation loan from your bank. They will pay off your debt and you can pay them back at a lower interest rate. How to Lower Your Credit Card Interest Rate
7. Stick to it!  As you see your debt decrease and see your cash increase, don’t fall back into old spending habits. As you have more money available, put it right into your savings and soon you will have the money you need for a down payment on your first home!

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With interest rates still relatively low, now is the time to start your search for a new home. Here are some tips to help you find your dream home:

• Make a list of priorities.  Ideally, your dream home would have everything you want in it, but it’s still a good idea to make a list of what you want in order of importance to you. What are you most concerned about?  Location? Square footage?  Private backyard? You may have to give up one thing to get another, so you want to be prepared with your priorities so you will know what is non-negotiable for you.  Also, think about desires verses needs when making your list.  For example, a home might not have the vaulted ceilings that you love, but meets your needs and wants in every other way. Those vaulted ceilings are a “want” more than a “need”.
• Think ahead.  How long do you plan to live in the home?  If you are single or newly married you may want a starter home that you will only stay in for a few years while you save for a larger home.  But if you are expanding your family or planning to work from home, make sure you factor in the space that you will need.  Don’t buy a house that will only suit your needs for a year if you think you may live there for ten years.  There is always the chance that things will change, but plan for what you know for sure now.
• Decide on your “most lived in” spaces. Where do you spend the most time in your current home?  If you love to cook, chances are the kitchen is going to be the most important room for you.  If you are a homebody who likes to kick back and watch movies, your den or family room might be the room to focus on.  It might be challenging to find a home where you love every room, but you can give a little on the others if the one you use the most is perfect for you.
• Stick to your budget.  While searching for your dream home, it may be tempting to extend your budget a bit. Don’t do it. A standard goal is to keep your mortgage payment (with taxes and insurance included) at around 25% of your monthly household income.  Make sure that you have looked at your overall monthly budget to see what you can afford, and then limit your house hunting to properties in your price range.  Refrain from looking at houses 1-2 price ranges above yours. You don’t want to get excited about a property that you can’t afford. In addition, once you have seen them, the houses that you can afford won’t look as good in comparison.  The exception is that if it is a buyer’s market, you might be able to negotiate a lower price, so it is ok to look at homes just slightly above your budget.
• Decide if you want to do renovations or if you want a move-in ready home.  If you are handy, you might see a diamond in the rough that you want to fix up yourself.  Make sure if you do this that you are not shopping at the top of your price range because you will need extra funds for doing the renovation.
• Try to see through the “ugly”.  It’s easier said than done for some people, but try not to just pass on a home because of cosmetic reasons.  Look at the bones of the house and imagine its potential. Focus on layout and flow rather than paint and décor.  If it’s the right home for you, cosmetic changes are easy and will give you the opportunity to make the home your own.
• Don’t give up!  It might take a while to find exactly what you want.  Be patient and don’t settle for something just because you’re tired of looking.  You never know when just the right house will go on the market.  It will be worth the wait when you move into the home of your dreams!

http://www.homesforsaleinmontgomeryalabama.com/Blog/The-Top-Features-to-Look-for-When-Buying-a-House

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Putting your house on the market can be stressful in many ways.  Not only are you preparing to move yourself, you also need to keep your home looking as perfect as possible for potential buyers.  Here are some quick fix tricks to help you get your house in order and ready to show:

1. Cleaning the Microwave - No matter how dirty your microwave is, you can have it clean and shining in less than five minutes with this trick!  Slice a lemon in two.  Put it in a cup and add some cinnamon.  Place the cup in the microwave and “cook” on low power for 10 minutes.  Wipe the inside of the microwave clean with a damp cloth.  The cinnamon makes it smell nice.
    
2. Dusting That Lasts - The secret here is to wipe your furniture down with a little bit of cooking oil on a paper towel. This will do two things.  The first is that it will make your furniture shine nicely.  The second is that it adds an anti-static layer which repels dust.  You will need to dust again eventually, but not for a much longer time.
    
3. Getting Kids’ Artwork Off the Wall for Good - Finding that your creative child has used a wall for artwork with a pen or permanent marker is the worst! The good news is that the stain can be removed.  Try squeezing toothpaste (not the gel kind) onto a damp cloth.  Rub the toothpaste over the stain and watch it disappear. Here are some other ways to get marker off walls.
    
4. Keeping Window Tracks Clean - If you’re showing your house on a nice day, you’re going to want to have your windows open.  But if you do that, you want to make sure that the window tracks are super clean.  The easiest way to make sure they are, is to sprinkle the area with baking powder and then add vinegar.  Don’t worry when it starts to bubble; it’s supposed to do that!  Leave it for 15 minutes.  Then wipe it clean with a paper towel and done!
    
5. Shiny Bathtubs -  You won’t believe how easy it is to clean your bathtubs this way!  First, warm (don’t boil) some vinegar in the microwave.  Mix it with equal parts soap solutions in a spray bottle.  Spray all over the bath.  Leave it for about 30 minutes.  Come back and wipe clean.  The shine you get will amaze you! Don't forget to keep that toilet bowl clean and shiny as well!
    
6. Keeping Animal Fur off Blankets - Do you have pets that shed?  If so, you know the struggle of keeping your house fur free.  Vacuuming regularly helps, but doesn’t keep the fur off things such as blankets and throws.  Believe it or not, there is a way to do that. Wash them once in white vinegar and you will discover that the fur never sticks to them afterward!

Hopefully these brilliant, time-saving tips will help you keep your house ready to show!

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The new year is around the corner and with it will come new home décor trends.  If you are thinking of redecorating in 2018, here are some styles that are not so trendy anymore:

• Open shelving - Open shelving appeals to minimalists because there is nowhere to hide clutter, but they aren’t the most practical of designs. Unless you have perfectly matching items, it might just end up looking like a bunch of random “stuff” piled on shelves.
• Painted brick - Natural brick painted white has been popular, but before you pull out your paintbrushes, stop and think about whether it will still be popular in a few years. Natural brick is classic and provides a warm, cozy ambiance. Once you paint it white, it’s almost impossible to make it look natural again.
• Open floor plans - Everybody is knocking down walls!  Nobody seems to want walls or doors between rooms anymore.  Living spaces that are entirely open have been all the rage for a while now.  But sometimes having separate rooms makes more sense.  Thanks to technology, more people are working from home and need a private space.  Don’t be surprised if walls make a big comeback!
• Barn doors - This farmhouse inspired home décor trend is still very popular, but like any very popular trend, its time is sure to run its course.  If you must add a barn door in your home, just don’t add one to every room.  Otherwise, you might find yourself replacing them all in a few years.
• Granite countertops - For a long time a kitchen hasn’t even been worth looking at if it didn’t come with granite countertops.  But the truth is there are a lot of other attractive options that are more durable, less expensive and not in every kitchen you see.  Make your kitchen stand out with something different, like quartz, butcher block, concrete or marble
• Shiplap - If you watch any home renovation shows, chances are you have heard of shiplap…and chances are you have added it to your home.  But like wood paneling of the 70s, shiplap is going to run its course in popularity.  And when that happens, you’re going to have to figure out how to get rid of it.  So, do yourself a favor if you haven’t added it already, and don’t.

So, if you’re going to be redecorating in the new year, you may want to avoid these trends…unless of course you still like them. Because at the end of the day, your home should be decorated in a way that makes YOU happy!

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1. Don’t Strive for Perfection – Put down the Martha Stewart magazine and focus on what is important.  What is the point of having perfect decorations, meals and gifts if you are not enjoying yourself? Martha has a full staff to help her decorate, bake and shop.  Stop killing yourself trying to create an image of a perfect holiday and let yourself EXPERIENCE the season. Pick and choose what you want to do. Baking with your kids, decorating the tree…whatever makes you happy.  You don’t enjoy entertaining guests? Then don’t do it. Keep it simple and enjoy!
    
2. Shop Online – Avoid traffic, parking garages and crowded malls by doing your shopping online.  If a trip to the mall during the holiday season is something you look forward to, then by all means, go for it! But if fighting the crowds is not your thing, then put on some comfy pjs, fix yourself a cup of hot cocoa and shop until you drop…only you won’t actually drop because you won’t be so tired!  Shopping online will also save you a lot of time which you can use for RELAXING. Check out this site for unique gifts: Uncommon Goods
    
3. Delegate Responsibilities – Who said you must do it all yourself?  If you have older children, have them decorate the tree. If you have guests coming over, make it a pot luck…you provide the main course and have them bring side dishes and desserts. Have your spouse pick up what you need from the grocery store on the way home from work. With everyone chipping in, chores and events won’t feel so overwhelming.
    
4. Find Ways to Save Time – Here are some ideas for saving time during the holiday season:

• Don’t be afraid to say NO. Stop wasting time on activities you don’t want to do. Learn to Say No
• Purchase pre-printed holiday cards and envelopes.
• Keep your decorations simple.
• Make a list of what you need at the store so that you can complete your shopping in one trip.

5. Be Compassionate – The joy that comes from doing something kind for others may be all you need to relieve the stress that accompanies the holiday season. 

Take care of yourself and stress LESS!

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If this is your first holiday season in your new home, it is a perfect time to start some new traditions!  When you move, you don’t leave everything behind.  You bring your belongings and your memories and yes, your family rituals.  But a fresh start in an unfamiliar house is just the inspiration you need to begin unique traditions that will make this house truly feel like home.

Check out these fun ideas for creating new traditions:

• Take and annual family photo. Choose a theme or a pose that you can recreate every year.  Label the photos with the date and create a photo book or framed collage with them.  It will be so much fun for your family to see how everyone changes through the years. Creative Family Photo Ideas
  ​
• Incorporate a cultural tradition.  No matter what holiday you celebrate, you will find a cultural tradition to go with it.  Make it a family activity to research your heritage and make new discoveries about how your ancestors celebrated. Multicultural Holiday Celebrations
   
• Gratitude. Sometimes we take all that we have for granted. A wonderful way to experience the holiday spirit is to express gratitude.  This can be a fun and meaningful activity for the whole family.  Go outdoors and find a branch to use to hold your “leaves of gratitude”. Cut leaves out of colorful paper and each day have family members write something they are grateful for on a leaf. Then hang the leaves on the “tree” to create a beautiful reminder of all that is right with your world!  Gratitude Tree

If you are still in search of the perfect house to make your new home, contact Sandra Nickel and the Hat Team for all your real estate needs!

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With energy costs on the rise, it is essential for a homeowner to stay on top of all they can in order reduce their heating and utility bills during the cold Winter months. Here are some things consumers can do on their own at little or no cost to keep money in their pockets every month.

• Check windows and doors for drafts. Seal spaces with caulk or weather stripping.
• Look at all of the utility-entry places around the outside of your home, and fill around pipes with insulation or cement, if practical.
• Close the foundation/crawlspace vents as soon as temps get colder than 40°. This helps protect water pipes from freezing as well.
• Go into the attic and inspect your insulation, or consider adding insulation if you haven’t taken that step. This can cut your energy costs and pay for itself in a few years.
• Check ductwork for places where it may have come apart and repair—this job may be better for a service person to undertake.
• The sun can be used to help keep the house warm by simply keeping curtains on the south side of your home open during the day.
• Hanging thicker panels or thermal curtains can help insulate around windows as well.  If you don’t want to change curtains, easy-to-install cellular shades allow light to shine through while insulating your windows. 
• Plastic sheeting is inexpensive and easy to install on drafty windows or unused patio doors, and just as easy to remove when Spring arrives. Kits are available at hardware and home improvement stores.
• Have your furnace serviced before it’s time to use it, and replace your filters once a month.
• Close the damper in the fireplace when you're not using it.
• Install a programmable thermostat--if heating with a heat pump, make sure the thermostat is the type specifically for heat pumps.  Program the thermostat for the lowest temperature setting that your family is comfortable while at home, preferably in the 60° range. Turning it down 10°-15° at night and using an extra blanket will calculate to big savings on your energy use and costs.
• Using a humidifier is not only healthier, it can cut down on heating costs. The more moisture there is in the air, the warmer you feel.
• If you use ceiling fans, make sure they’re turning clockwise on low speed to pull up cool air, and circulate the warm air that collects near the ceiling.
• Thinking about changing your home’s heat source? Do it before the cold weather sets in.  Check out the many different products available to help you make this decision.

The Department of Energy states that simply turning down the thermostat is the number one money-saver. For every degree it’s lowered, consumers save approximately 3% on heating costs.  Lowering the temperature may mean wearing a sweater and socks inside, but the money you can save outweighs the bulky clothes. 

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Photo credit:Pure Green Lawn and Tree Professionals 

Autumn is a season of change.  Leaves change color and fall from the trees, days get shorter and temperatures get cooler.  Yes, it’s really coming—we promise!  It’s also a good time to take care of home maintenance projects to prepare your home for colder weather.  Follow these autumn home maintenance tips and your house will be nice and cozy this winter:

• Clean gutters and downspouts. This should be done regularly to keep them clear of debris. You won’t have to do it as often if you install gutter guards.
• Check the wood trim around windows, doors, railings and decks for any holes or rotting.  Fill holes using caulk or replace wood if necessary.
• Give your roof a thorough inspection.  Look for shingles that are curling, buckling or cracking and replace them.  If there appears to be a great amount of damage or if your roof is just worn out from age, it’s time to replace the whole thing.  Hire a licensed professional if you’re not sure.  Make sure to also check for leaks around skylights, pipes and chimneys. 
• Hire a service to inspect and clean your wood burning fireplace and chimney and to make any necessary repairs to prevent chimney fires and carbon monoxide poisoning.
• Cooler temperatures and lower humidity make autumn a good time to paint the exterior of your home.
• Filters for your furnace and heating system should be cleaned and replaced.  Have a licensed heating contractor come out to inspect and service your gas heater or furnace.  Regular maintenance will keep it running proficiently and save you money on your heating bills.
• Check doors and windows for leaks and drafts both inside and out.  Fill in cracks with caulking or install weather stripping.
• Test your carbon monoxide and smoke detectors and put fresh batteries in them.  These are potentially life-saving devices and it is vital to take good care of them.

Check these tasks off your list now and you will be able to enjoy a warm and comfy winter!

Don’t know reliable people to contact?  Just give us a call because we do!

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Whether you are downsizing and need a storage unit to hold belongings you don’t have room for in your home, or you are putting your house on the market and need to store extraneous items so you can stage your rooms to sell, you want to choose one that will best suit your needs while keeping your valued possessions safe and secure.  Here are some questions to ask before choosing a storage unit:

1. What are you looking for in a storage unit?  Do you need a large or small one?  A storage unit manager can help determine what size unit you need if you provide a list of items you intend to store there.  Will you want climate control?  Units with climate control are more expensive, but if you are storing delicate items, it will be worth the extra cost to keep them safe should temperatures greatly fluctuate.
2. Where is the storage facility located?  Will it be convenient for you to get there? Storage facilities located in highly populated areas tend to be more expensive than those in more remote areas.  If you are storing things long term and won’t be visiting the unit frequently, choosing one located in a remote area may be less expensive for you. But if you are going to need access to your things on a regular basis, you will want one that is located close to where you live or work.
3. What are the business hours of the facility?  Not all storage facilities are open 24/7.  You will want to make sure that you can get into your storage unit during hours that suit your needs.  Find out if their business hours work with your schedule or if they offer on-demand access.
4. What kind of security do they have?  The fact that you are willing to pay to store your belongings means that they have value to you.  You want them protected.  A well-run storage unit facility should have at least some of the following security features:

• surveillance system that includes cameras and alarms
• a strong fence surrounding entire facility
• a gate that only provides access to people authorized to be there
• security guards
• smoke detectors, fire alarms and sprinkler systems
• well-constructed units built with safety and security in mind (good ventilation to prevent mildew, raised floors in case of flooding, solid doors with strong locks)

5. What is the condition of the facility?  Observe the facility to see if it is kept clean and tidy.  Ask about pest control and look for any evidence of infestations. Make sure there are loading docks and equipment available to you and that there is sufficient parking near the units.  Check it out at night to see if it is well-lit.  Ask how many units are currently rented. If the number is low, that is a red flag indicating that something might be wrong.
6. Do they offer theft and damage insurance coverage for your possessions?  For peace of mind, it is important that they do.

The most important thing to remember is that you should never choose as storage facility without seeing it in person first.  Visit a few and take notes on the positives and negatives of each. Making an informed decision will be the best way to be sure that your treasured personal property is in good hands.

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