Real Estate Information Archive

When you are considering the purchase of a new home, one of the first things to think about is if you will be able to get a mortgage loan. At the start of the home buying process, you will hear terms like “pre-qualification”, “pre-approval”, and “conditional approval”. If you are not familiar with these terms and their meanings, it can add to the already stressful process of entering the housing market as a buyer.

While all these terms may sound similar, they are not the same. Pre-qualification, pre-approval, and the conditional approval letter share common characteristics, but they occur at different times during your journey to home ownership. Having a clear understanding of what they mean will save some of the confusion, time and energy that goes into finding the right home for your budget and your family.

Let’s take a look at each of these terms:

PRE-QUALIFICATION

Getting pre-qualified for a mortgage loan is the earliest step of the three terms we are looking at. A pre-qualification will give you an estimate of how much you may possibly be able to borrow from a lender. Basically, you will provide information such as your financial history and credit report to your lender. You can do this verbally at this stage as it is not an overly comprehensive process. Your lender will use the information provided and will give you an estimate of the amount you may qualify for. This will allow you to explore the mortgage options available to you.

After your lender has determined the amount you pre-qualify for, you will receive a pre-qualification letter. By sharing this letter with your Realtor, they can use it when making an offer to a seller to give evidence of your commitment to and preparation for buying a home.

Remember, a pre-qualification is not a guarantee for a loan. While it is a great way to determine what types of loans are available to you, it does not mean a loan for the amount of the home you hope to purchase is a sure thing.

PRE-APPROVAL

Getting a pre-approval is a more formal process that requires an in-depth investigation of your finances. This process will take place after you have submitted your mortgage application and documentation will be required.

Your lender will need the following:

• Employment verification (W-2s or 1099s)
• Bank statements
• Retirement and brokerage account statements
• Any other assets
• Current real estate debt or rental statements
• Monthly debt payments (student loans, auto loans)
• Court orders (divorce, child support, alimony, etc.)
• Tax returns

It may feel overwhelming to provide so much personal, financial information, but it is necessary to obtain a pre-approval for a mortgage loan. Like pre-qualification, you will get a pre-approval letter if your application is accepted by your lender. This letter provides the sellers with the information they need to know that you can afford the mortgage payment and you are ready to purchase a home.

When competing for a home with other buyers, a pre-approval letter can be a game changer, making you look like a serious buyer over others who may not have a pre-approval letter yet.

CONDITIONAL APPROVAL

Conditional approval is also known as “up-front underwriting”. If you choose this option, your lender will review your finances thoroughly in order to provide you with an exact loan approval amount for the specific home on which you are submitting an offer.

What makes a conditional approval letter different from a pre-approval is in the name itself; there will be a few conditions that must be met before closing. For example, purchase agreements, title verifications, home appraisal, and inspections must all be complete and in order. The closing process cannot begin until all the conditions listed in the letter have been met.

Pre-qualification, pre-approval, and the conditional approval letter all provide validation to both your lender and the seller that you are a serious buyer that can afford the home.

They each serve the same purpose, but you will encounter them in different circumstances within the home buying process. Understanding the nuances and differences now will make you a better-informed buyer and will make the home buying process less stressful for you!

If you are in the market to buy or sell a home (or both), let me Sandra Nickel, and my Hat Team of Professionals assist you with all your real estate needs! Call us today at 334-834-1500 and check out https://www.homesforsaleinmontgomeryalabama.com for more information.

Deciding whether to buy a home is a big deal, especially for military families who may only live someplace for a short period of time. If you are in the military and are thinking about buying a home, here are some important things to take into consideration:

RESEARCH

It’s important to start researching the area where you will be moving long before your moving date. Check out real estate listings online. Have a list of wants and needs prepared to help narrow down the types of homes you’re interested in viewing. Pay particular attention to houses in the neighborhoods you’re interested in to see how long they are staying on the market and if there are changes in their asking prices.

COMMUNITY

Moving a lot can make it challenging for military families to find a sense of community. Buying a home in an area that offers a lot of amenities makes it easier for residents to meet people and form connections. Look for neighborhoods that offer things like pools, fitness centers, dog parks, playgrounds, and community gardens. Families with children moving in the summer before school starts can utilize these amenities to meet people and establish relationships that will help you integrate more easily into the school year.

MILITARY INCENTIVES

You will find that many developers and builders will offer special incentives for military buyers. Some communities even offer free landscaping services for members of the military who are deployed. Military buyers also can qualify for interior design extras and help with closing costs. It is prudent to always ask about any available extras for active military and veterans. In addition, military buyers can benefit from special financing options. Using a VA Home Loan is a great advantage for military buyers. And if the military buyer has greater than 30% disability, there are tax benefits which will lower his or her tax rate. With low interest rates and your housing allowance, you will be able to pay your mortgage and build equity even if you only live there a short time.

Military buyers want the same things in a new home that all buyers want…a good floorplan, great schools, lots of storage, nice appliances, and a safe neighborhood. But you do bring a unique perspective to the home-shopping experience. Connecting with a military-friendly professional Realtor like Sandra Nickel is vital to navigating the homebuying process. Sandra is a Certified Residential Specialist who will provide information about schools, safety, traffic, and neighborhood activities to help military families make the best choice for their new home!

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 and check out https://www.homesforsaleinmontgomeryalabama.com/ for more info! 

Whether you are buying, selling, or refinancing a home and a mortgage is involved, a home appraisal is going to be an important aspect of the process. Therefore, it’s crucial that you understand how the appraisal process works and how an appraiser determines a home’s value.

A home appraisal is an unbiased, professional opinion of a home’s value. Conducted by a licensed home appraiser with the knowledge and experience to determine the fair current value of the home, it takes place in almost every home purchase/sale transaction and is commonly used in refinance situations as well. Within a purchase/sale transaction, it is used to establish if the home’s contract price is appropriate, based on the home’s location, condition, and features. For a refinance, the appraisal makes sure that the lender isn’t giving the borrower more money than the home is worth. Because the home serves as collateral for the loan, lenders want to make sure that the homeowner is not over-borrowing. With a purchase/sale transaction, the home appraisal is typically paid for by the buyer and the fee is included in the closing costs.

The reason the home appraisal is so important is because it lets the lender know that they are lending the appropriate amount of money for the value of the home. Sometimes the appraisal will come in for a lower amount than the agreed upon price and when that happens, the lender might deny a loan for that amount. If the appraisal comes in at or above the contract price, the transaction can proceed. However, chances are the seller doesn’t want the deal to fall through, so if the appraisal comes in low, the buyer may be able to use it to negotiate a lower selling price. Knowing that the bank won’t lend any buyer more than what the home is worth, the seller may be willing to lower their selling price so that they can proceed with the sale.  A low appraisal can also derail a homeowner’s attempt at refinancing their home. The home needs to appraise at or above the amount the homeowner wants to refinance. One exception is if you have an FHA mortgage.  With an FHA mortgage, you can refinance without an appraisal through the Streamline Your FHA Mortgage.

The appraiser will look at many things to determine the home’s fair current value. The property’s value will be influenced by recent sale prices of similar properties and by current market trends. The home’s amenities, floor plan, functionality, square footage, and number of bedrooms/bathrooms will also play a part in coming up with a fair price for the lender.  A thorough visual inspection of the interior and exterior of the property will allow the appraiser to note any issues that might have an adverse effect on the property’s value.  You may confuse a home appraisal with a home inspection, but they are not the same thing, A home inspection is a much more detailed evaluation of the home and does not involve the lender.

Usually, the home appraisal will just be a box checked off on your home closing checklist. But if the appraisal comes in lower than expected, the purchase/sale transaction can be delayed or canceled.  Understanding the process and being aware of potential problems will help you be better prepared to handle whatever circumstances come your way.

If you are in the market to buy or sell a home (or both), let me, Sandra Nickel, and my Hat Team of Professionals assist you with all your real estate needs! Call us today at 334-834-1500 and check out https://www.homesforsaleinmontgomeryalabama.com for more information.

Purchasing your first home is a huge milestone…and not one that should be taken lightly.  It’s a big commitment and you want to be sure you get it right. It is important that you educate yourself before you begin the home buying process so that you can find the right property and procure the financing for it. 

Here are some things you should know as a first-time homebuyer:

• PEOPLE INVOLVED IN THE HOME BUYING PROCESS

Entering the home buying process for the first time might feel a little overwhelming. You will have a lot of questions, but don’t worry, there will be people who will guide you through. The first thing to do is to find an experienced, professional Realtor. Your Realtor will assist you in finding your starter home, making an offer, and negotiating with sellers. Another person you should meet with prior to starting your home search is a mortgage lender. Your mortgage banker will help you complete your loan application along with determining the amount you qualify for.

Getting preapproved for a mortgage is an important step that will set you on the right course for buying your first home.

• STARTING YOUR HOME SEARCH

I’m sure you’ve heard the saying “location, location, location” in relation to real estate. It exists for a reason. Because location is one of the most important aspects in choosing a home. The first thing you must do when searching for your starter home is determine the area you want to live in. You should take many things into consideration when making this decision. Do you want city, suburban, or country living? What is the reputation of the school system? Are there shopping, dining, and entertainment activities nearby? The answers to these questions aren’t just important for you when you’re living there but may also have an impact on resale value. Remember, this is your starter home, not necessarily your forever home. So, you should take resale value into consideration when choosing the location. Once you’ve determined WHERE you want to look, you can create a list of what you’re looking for in a home. You may have to compromise on some things, but going into your search knowing what you want will make things less confusing.

• FINANCIAL IMPLICATIONS

When buying your first home, there may be some expenses that you didn’t anticipate. Don’t risk being blindsided by unexpected expenses. Do your research and make sure you know what you are getting into. Here are some costs you may not have thought of:

• Closing costs
• Home inspection
• Moving expenses
• Setting up your new house

Remember that your Realtor and Mortgage Banker are there to answer questions you may have, so don’t hesitate to take advantage of their expertise!

If you are in the market to buy or sell a home (or both), let me, Sandra Nickel, and my Hat Team of Professionals assist you with all your real estate needs! Call us today at 334-834-1500 and check out https://www.homesforsaleinmontgomeryalabama.com for more information.

Perhaps you have imagined your dream house. You’ve pictured it in your mind and can only hope that you can find it in real life. Some buyers must look for a long time before finding the home of their dreams, but others know right away. When reality matches the vision you have for your home, you might fall in love at first sight.

Here are some things that make buyers know they had found “the one” the moment they see it:

1. A GORGEOUS FRONT PORCH

Nothing says “welcome home” better than a beautifully appointed front porch. A creative front door with porch railings painted a complementary color are a great way to draw a potential buyer into a home. That first look can make or break the interest of buyers.

2. STANDING OUT AMONG THE CROWD

That neighborhood full of “cookie cutter” houses may be the right area for you, but you don’t want your house to look like everyone else’s. A home that stands out is the one for you. For example, maybe that one white brick house in a sea of red brick houses is just different enough to make it the right one for you.

3. LAYOUT

Open concept has been popular for a long time, but maybe your dream house affords more privacy. When you walk into a home that has defined rooms that serve specific purposes, you have found what you have envisioned as the perfect home for you.

4. THE GREAT OUTDOORS 

Perhaps the inside doesn’t matter quite as much as the outside to you. Despite the imperfections in the house itself, that huge, beautiful yard is all you ever wanted. Or maybe you see a diamond in the rough well worth “fixing” if it means living in a beautiful neighborhood with mature trees and walking trails.

5. GOOD BONES

If your dream house is one that you want to design yourself, then you might just fall in love with a fixer upper that has good bones. Just make sure to educate yourself about what it will take to make the vision you have for your home a reality.

There are many things that can make a buyer fall in love with a house at first sight. A professional Realtor like Sandra Nickel can help guide you through the process of finding and purchasing your dream home. 

If you are in the market to buy or sell a home (or both), let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs! Call them today at 334-834-1500 and check out https://homesforsaleinmontgomeryalabama.com for more information.

With all the fees and expenses involved in purchasing a home, it may be tempting to skip the  home inspection to avoid spending the money.  But in the long run, it may cost you more to skip it. Home inspections sometimes reveal things that ultimately could have cost you way more than the fee involved.

While you might believe that sellers are being honest about the condition of the home, it’s important not to take their word for it. Truthfully, they probably are being honest. But they don’t necessarily see what could be “wrong” with the house any more than you do. That’s why you need an expert to come in and do the inspection. They can find things that never would be noticed otherwise because they know what to look for. Home inspectors can also give you advice and things to look out for in the future. With that information, you can have an idea of how to prepare for potential costs down the road.

A home inspection can be a deal breaker as well.

For example, if sellers offer a discounted price or cash back for skipping the inspection, walk away from the deal. This is a huge red flag!  A home inspection only takes a few hours and is paid for by buyers, so there is no reason sellers should protest unless there are critical issues in the home they know about and are trying to hide.

When hiring a home inspector, you want someone with many years of experience and proper certifications and licenses. You also want someone who will be thorough…willing to go through the basement, attic and up on the roof to check out every nook and cranny of the home.  It’s important to gather as much information about the house as possible so that you know what you are getting into.

It is not mandatory for you to be present for the inspection, but it’s a good idea to be there.  Some inspectors are happy to have you walk along with them and ask questions as you go.  Others will want to do the inspection on their own and then have you do a walk through with them after they are done. Either way, be sure to look carefully through the report they give you and ask as many questions as you want. Remember that you are paying for their time, so don’t hesitate to have them go over the report with you so that you have a clear understanding of it.

Even if your inspection comes up clean, the fee you pay is worth the price to have peace of mind. Include it in your home-buying budget and don’t think of it as an “extra” expense. It is a crucial element of your decision in purchasing the home and paying a $450 fee and finding nothing wrong is better than skipping it and ending up having to spend thousands to repair something! 

If you are in the market to buy or sell a home (or both), let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs! Call them today at 334-834-1500 and check out https://homesforsaleinmontgomeryalabama.com for more information.

As a Realtor, 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!

• 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.

• 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 can then 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.

• 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.

• CUT EXPENSES AND MAKE 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.

• 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.

• 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.

• 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!

If you are in the market to buy or sell a home (or both), let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs! Call them today at 334-834-1500 and check out https://homesforsaleinmontgomeryalabama.com for more information.

The decision to move is a big one. Chances are a lot of time, thought and energy went into making it. But now that you have decided, it’s time to start thinking about getting ready for the move. You’ve already answered the “should I stay, or should I go” question, now it’s time to ask yourself “what should I bring with me and what should I get rid of”?  Whether you have kept a lot of things because of sentimental value, or you have let things accumulate over the years, it’s time to decide what to keep and what to let go.

Here are some things you should definitely “let go” of before you move:

CLOTHES YOU DON’T WEAR ANYMORE

You know…that dress that you don’t like, but keep just in case you need a dress for something, or that suit that fit a few years ago and might fit again if you can just lose a little weight? Yep. Time to go. Same with any clothes you simply don’t wear anymore, whether because of style or fit. There is no reason to drag them to your next home. If they are in good condition, place them in a donation bag and drop them off. And if they are trash, well…you get the idea.

GAG GIFTS AND FREE PROMOTIONAL ITEMS

Been to a golf tournament recently? If so, you likely came home with a “swag bag” of sorts. If you consider chip clips, notepads, pens, and plastic cups “swag”, then by all means, hang onto it. But if the bag has been sitting on the kitchen counter for weeks, it’s time to say goodbye. Same with any other similar items. Gag gifts are fun to open, but they just end up cluttering your junk drawer. Don’t take junk with you when you move. Trust me…you won’t miss it.

KITCHEN APPLIANCES YOUR RARELY (IF EVER) USE

Who even uses a “Fry Daddy” anymore? All that grease and fat? Yuck. Just because it was a wedding gift 25 years ago, doesn’t mean you should bring it along with every move. Any appliance that you haven’t used in over a year needs to go. Why take up space in your moving boxes with something you likely won’t use again? Bye-bye!

CHEAP ART

Maybe you were on a tight budget when you were decorating your current home, so you bought some inexpensive posters and art for your walls. If you’ve outgrown them, don’t take them with you.

MOST THINGS YOU HAVE MORE THAN ONE OF

I bet you’ve replaced a laptop or cell phone during the years you have lived in your current home. And how many new pairs of eyeglasses have you gotten during that time? I also bet that when you replaced those items, you didn’t get rid of the original items you were replacing. Am I right? Well, now is the time my friend. Outdated technology doesn’t have to end up in a landfill, nor does it need to stay with you forever. Take it to be recycled!  And you can donate all those old eyeglasses to Lion's Club International where they will distribute them to people in need.

ALL THE FANCY BATH PRODUCTS YOU HAVE RECEIVED AS GIFTS

Seriously. If you haven’t used them yet, you probably never will. If you have a stash of bath bombs and such that you’ve been waiting for the perfect time to use, either use them before you move or get rid of them.

STUFF YOU BORROWED FROM FRIENDS

As you’re cleaning out cupboards and closets you may come across items you borrowed long ago. Or items friends left at your house after a party or cook-out. GIVE THEM BACK. You might be a little embarrassed if a lot of time has passed, but your friends will appreciate it and it will be one (or two, or three) less things you have to pack and move.

ANYTHING YOU FORGOT YOU HAD TO BEGIN WITH

If you come across something that you have genuinely been missing and thought was lost forever, yay! That’s awesome. But if you come across something that you are surprised you ever had to begin with? It goes.

STUFFED ANIMALS

Sigh. Even as a grown-up this one can be tough. They are so cute and cuddly. But depending on how many there are, they can take up a lot of space. Pick a few favorites if you must and keep your childhood favorite. But if you have a huge collection (whether they are yours or your children’s) I recommend you weed out as many as possible. 

The bottom line is, the less you must pack, the less overwhelmed you will feel about your move. Less truly is more…more time, more energy, more peace of mind.

If you are in the market to buy or sell a home (or both), let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs! Call them today at 334-834-1500 and check out https://homesforsaleinmontgomeryalabama.com for more information!

Buying a home in the midst of the holiday season might sound like a crazy idea, but the truth is this time of year can be a great time to buy! 

Here are 5 good reasons to purchase a home during the holidays:

1. Less Real Estate Market Activity

Because fewer people are looking for houses this time of year, there is less competition for buyers. And with less competition, buyers have more leverage when negotiating purchases. People selling homes during the holidays must often lower asking prices or make other concessions to sell. So, if you buy this time of year, you might get a bargain!

2. Highly Motivated Sellers

If someone is selling their house at the end of the year, it’s because they need to. Usually, sellers avoid the end of the year due to shorter days and cold weather, so if they are selling this time of year they are likely under pressure and motivated to make a deal.

3. Tax Perks

Buy a house before the end of the year and you can deduct any points you paid upon closing. You can also deduct property taxes and mortgage interest. Learn about the tax benefits of buying a home and find out if it is to your advantage to buy before year’s end. While your decision to buy a home shouldn’t be made solely for tax reasons, you certainly want to take advantage of the perks that exist!

4. Faster Closings

Everybody involved in the home buying/selling process has incentive to complete transactions before the end of the year. Lenders want to close their books; Realtors want to receive their commissions before the new year and sellers are anxious to move on. Since everyone is so motivated, and there is less real estate activity, closings should happen quickly and efficiently.

So, if you’ve been thinking about buying a home, but thought you should wait until the new year, think again! NOW may just be the right time for you to find a new home for the holidays!

If you are in the market to buy or sell a home (or both), let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs! Call them today at 334-834-1500 and check out https://homesforsaleinmontgomeryalabama.com for more information!

Whether you are buying, selling, or refinancing a home and a mortgage is involved, a home appraisal is going to be an important aspect of the process. Therefore, it’s crucial that you understand how the appraisal process works and how an appraiser determines a home’s value.

A home appraisal is an unbiased, professional opinion of a home’s value. Conducted by a licensed home appraiser with the knowledge and experience to determine the fair current value of the home, it takes place in almost every home purchase/sale transaction and is commonly used in refinance situations as well. Within a purchase/sale transaction, it is used to establish if the home’s contract price is appropriate, based on the home’s location, condition, and features. For a refinance, the appraisal makes sure that the lender isn’t giving the borrower more money than the home is worth. Because the home serves as collateral for the loan, lenders want to make sure that the homeowner is not over-borrowing. With a purchase/sale transaction, the home appraisal is typically paid for by the buyer and the fee is included in the closing costs.

The reason the home appraisal is so important is because it lets the lender know that they are lending the appropriate amount of money for the value of the home. Sometimes the appraisal will come in for a lower amount than the agreed upon price and when that happens, the lender might deny a loan for that amount. If the appraisal comes in at or above the contract price, the transaction can proceed. However, chances are the seller doesn’t want the deal to fall through, so if the appraisal comes in low, the buyer may be able to use it to negotiate a lower selling price.  Knowing that the bank won’t lend any buyer more than what the home is worth, the seller may be willing to lower their selling price so that they can proceed with the sale. A low appraisal can also derail a homeowner’s attempt at refinancing their home. The home needs to appraise at or above the amount the homeowner wants to refinance. One exception is if you have an FHA mortgage.  With an FHA mortgage, you can refinance without an appraisal through the Streamline Your FHA Mortgage.

The appraiser will look at many things to determine the home’s fair current value. The property’s value will be influenced by recent sale prices of similar properties and by current market trends. The home’s amenities, floor plan, functionality, square footage, and number of bedrooms/bathrooms will also play a part in coming up with a fair price for the lender. A thorough visual inspection of the interior and exterior of the property will allow the appraiser to note any issues that might have an adverse effect on the property’s value. You may confuse a home appraisal with a home inspection, but they are not the same thing, A home inspection is a much more detailed evaluation of the home and does not involve the lender.

Usually, the home appraisal will just be a box checked off on your home closing checklist. But if the appraisal comes in lower than expected, the purchase/sale transaction can be delayed or canceled.  Understanding the process and being aware of potential problems will help you be better prepared to handle whatever circumstances come your way.

If you are in the market to buy or sell a home (or both), let Sandra Nickel and her Hat Team of Professionals assist you with all your real estate needs! Call them today at 334-834-1500 and check out https://homesforsaleinmontgomeryalabama.com for more information!