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Fall Gardening At Your Montgomery AL Home

by The Hat Team

Yes, summer has come to a close, but that doesn’t mean that you need to bid adieu to gardening or enjoying colorful blossoms in your Montgomery AL home.  Actually, cooler temperatures, moist soils, and the absence of pesky insects in autumn make for ideal conditions for fall planting and spending time in your garden.  Generally, the items on your to-do list fall into three categories:  enjoying it now; housekeeping, and preparing for the future.

fallEnjoy It Now

Probably the favorite activity of gardeners who owns a Montgomery AL home involves the planting of flowers, trees, and shrubs which will provide bright colors for the next few months.  Before investing in fall plantings, however, click here for information and planting advice for your geographic region.  Some colorful and popular blooms include asters, red spider lily, Mexican sage, goldenrod (that it is a source of hay fever is a misconception), fall crocus, witch hazel, and perennial sunflower (smaller than the annual sunflower).  For a wider, more unusual variety, this Better Homes and Gardens website offers a large selection of lesser-known—but just as colorful—species for fall planting as well as planting information for each one.

This is also a favorable time to plant trees and shrubs with brightly-colored foliage on the grounds of your Montgomery AL home.  Consider amur, sugar, and Japanese maples; burning bush; birch, and ginkgo, or click here for more unusual varieties.

Housekeeping

While you’re outside admiring your handiwork, you can take advantage of that time to tend to some gardening “housekeeping” tasks.  This list includes the following “do’s”:  picking bagworms from evergreens, deadheading perennialsand disposing of all diseased foliage, dividing and transplanting perennials, fertilizing trees and shrubs, adding plant debris to your compost pile, weeding, and watering trees and shrubs, particularly evergreeens, generously.  Note:  There are also three “do not’s” on this list.  Resist the temptation to do any severe pruning until early spring, defer mulching until mid-November, and discontinue fertilizing your roses.

Preparing For The Future

Finally, you will want to prepare the plants in the garden of your Montgomery AL home for the future.  You still have time to purchase and plant tulip, crocus, and daffodil bulbs for glorious color in the spring, and you can dig up and the bulbs of begonias and gladiolus in peat moss or vermiculite.  Before the night temperature dips below 55 degrees, bring houseplants back inside—only after carefully inspecting them for insects and thoroughly washing the leaves and the container.

Search all Montgomery AL Real Estate And Homes For Sale.

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

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

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

 

Celebrating Halloween In Montgomery AL 2012

by The Hat Team

hapy halloweenTonight is the night
When pumpkins stare
Through sheaves and leaves
Everywhere,
When ghouls and ghost
And goblin host
Dance round their queen.
It's Halloween.
- Harry Behn

It’s nearly that time of year again—Halloween, a time of ghosts and ghouls, tricks and treats, and costumes and candy!  Did you know that Halloween is second only to Christmas in terms of spending?  Yep--$1.2 million on costumes and another $2.5 million on candy, decorations, and other themed paraphernalia! 

Other little-known facts include:

  • 86% of Americans decorate their houses.                                                  
  • 10% of pet owners costume their pets.
  • 35 million pounds of candy corn are produce yearly. (How many are consumed in your home?)

Halloween traditions are many and varied.  ‘Tis the night for donning a costume, wearing a mask, bobbing for apples, and, the children’s favorite—trick-or-treating.  Looking for something different to give to the little ones coming to your Montgomery AL home this year?  How about juice boxes, mini-marshmallows, popcorn balls, fruit roll-ups, 4 pack crayons, small glo-sticks, silly erasers, temporary tattoos, unusual pencils ,themed bandaids or goldfish snacks?  Visit Green Halloween for more clever suggestions.                                                                  

Carving a Jack-o-Lantern

Be your pumpkin orange, white, green, and yes, even blue, you want the face on the porch of your home to be individual and unique.  Get free templates to assist you in carving or for cut and paste faces here.

The Count Dracula Society was founded by Dr. Donald A. Reed in 1962.

Costumeswitch

Forget the old standbys of ghost and witch.  Get creative and think about the unusual.  A cupcake?  Or perhaps popcorn or an aquarium?  Although the web is filled with sites which sell costumes, you can express yourself by making your own garb.  Check out CostumeIdeaZone.com for silly, serious, and/or super fast ideas.

Orange and black are Halloween colors because orange is associated with the fall harvest and black is associated with darkness.

Activities for the young and young at heart:

Check out Caboose.com, Halloween.com, ZombiePumpkins.com, and TheTeachersCorner.net.  For creative ideas such as wicked wreaths, friendly ghosts, fright lights, tasty treats, and much, much more, visit LowesCreativeIdeas.com.

HAPPY HALLOWEEN!

Montgomery Real Estate For Sale

407 E Fairview Avenue Montgomery, AL 36104

Known as the Rice house and designed by famed architect Frank Lockwood this house has only had three owners. This piece of Montgomery was constructed with the finest of materials such as cypress, oak, slate, redwood and copper to name a few. Built by true craftsman of the era it should remain long into the future for generations to admire. I would say possibly the finest built home currently on the market in Montgomery period. Oak floors throughout complement rich cypress paneling and hand planked beams. The three fireplaces feature original marble, limestone surrounds and a different classic herringbone pattern in each one. Original interior cypress and copper screens are present and useful for open window days to let the light and breezes flow through the house. The breakfast room features built-ins with leaded glass and a slate floor. The kitchen boasts original double drain cast iron sink, modern 5 burner gas stove, marble topped work island and three pantry’s for all your kitchen goods. A grand staircase has iron balustrades and features a huge picture window on the landing. All bedrooms have walk- in closets; one currently serves as an office and one as a TV room. Storage will not be a problem with a large walk- in attic and closets galore. Double garage for your rolling stock and all covered with a slate and copper roof. House has working steam heat up and down and has a working heat pump up for central heat and a/c. Heat pump down provides central ac. Vacant lot to West of this house is a separate parcel. Please give us or your favorite agent a call today to see this one of a kind property.

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

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

 

Montgomery Real Estate For Sale

3031 Old Farm Road Montgomery Al 36111

Nice 4 bedroom, 2 bath home near exclusive McGehee Estates could be a money maker for you!! Incredible nice size corner lot with towering oaks. Two living spaces, formal dining, eat-in kitchen and nice double carport with storage. Original 1963 kitchen and baths need overhauling as well as the rest of the home. House sold as is with owner making no repairs. Over 2000 sq. ft. of traditional layout also boast split bedroom plan. Rear patio has nice pierced brick wall.

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

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

 

Pre-Approval: The First Step To Buying a Montgomery AL Home

by The Hat Team

Few people can buy a home for cash. According to the National Association of REALTORS® (NAR), nearly nine out of 10 buyers of Montgomery AL homes finance their purchase, which means that nearly all buyers -- especially first-time purchasers -- require a loan.  The real issue with real estate financing is not getting a loan home(almost anyone willing to pay lofty interest rates can find a mortgage). Instead, the idea is to get the loan that's right for you -- the mortgage with the lowest cost and best terms.

Realtors routinely urge prospective buyers to get pre-approved for a loan before they even begin looking at Montgomery AL  homes. They also stress the importance of obtaining a letter of pre-approval rather than of pre-qualification.  Although many homebuyers use these two terms interchangeably, there are significant differences between the two.  Simply stated, pre-qualification lets sellers know that a prospective buyer of their home is likely to qualify for a loan, whereas pre-approval, although not an absolute guarantee, indicates that a loan officer has determined a borrower is credit-worthy and financially able to qualify for a certain loan.

The advantages of searching for a Montgomery AL  home with evidence of pre-approval in hand are many.  In essence, they include the following:

  • Mortgage preapproval is going to tell you exactly how much money you can borrow. This way, you will know how much your mortgage payment is going to be ahead of time.
  • You won’t waste time (or be sorely disappointed) by looking at houses you can’t afford.
  • Sellers and Realtors will take you seriously.  They are much more comfortable with the certainty that you can obtain a loan (and that the deal won’t fall through), and thus may be more willing to negotiate.
  • Once you find a home, the mortgage process can proceed more quickly because your lender will already have.

Although lender requirements for pre-approval may vary somewhat, be prepared to supply the following information:

  • Purchase Agreement
  • Social Security Number and Date of Birth
  • W-2/1040 Forms
  • Recent pay stubs
  • Bank account statements
  • Credit card statements
  • Debts and liabilities
  • Mortgage or rental histories
  • Investment properties
  • Employers
  • Asset statements
  • Personal property
  • Current and previous statements

Supplying all this information may seem like a time-consuming process, but in the end of your house-hunting journey, you’ll be glad you did it!

Search all Montgomery AL Real Estate And Homes For Sale.

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

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

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

 

Montgomery Real Estate For Sale

1231 Gregory Avenue Montgomery, Al  36111

Tucked away on a quiet street is this beautiful family home with lots of room to roam around. Unlike the typical ranch, the roof has been raised letting in plenty of bright light, the floor plan has been opened up and the huge kitchen has been nicely renovated. Entertain family and friends in more than one of the wonderful living spaces or outside on the patio overlooking the pool. All of the bedrooms are spacious, with the master having a fireplace and French doors to the patio. Tons of storage space with extra hall closets, laundry room and utility room. Come see this lovely Edgewood house today.

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

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

 

 

Montgomery AL Foreclosure Trends - August 2012

by The Hat Team

There were 792 Montgomery AL foreclosure homes for sale with 1 in every 1,295 housing units receiving a foreclosure filing in August 2012. The average selling price of a Montgomery AL home was $90,545 and the average foreclosure selling price was $81,953, a $8,611 savings according to RealtyTrac.com.

Montgomery AL Foreclosure Activity and 30 Year Interest Rate

Montgomery interest rates averaged 3.60% in August while the number of foreclosed homes dropped from 104 to 76.

montgomery al foreclosure

Foreclosure activity is based on the total number of properties that receive foreclosure filings – default notice, foreclosure auction notice or bank repossession – each month. Interest rate is based on the average 30-year fixed rate from Freddie Mac Primary Mortgage Market Survey.

Montgomery AL Foreclosure Geographical Comparison

Montgomery AL foreclosure activity was 0.07% lower than national statistics, 0.01% lower than Alabama and 0.01% higher than Montgomery County statistics in August 2012.

montgomery al foreclosure 

Montgomery AL Foreclosure Activity by Month

The number of Bank-Owned properties decreased from 66 homes in July to 18 in August. The number of Auctions rose from 38 to 55. There is a 6-month falling trend.

montgomery al foreclosure

Are you or someone you know behind on mortgage payments and facing a Montgomery foreclosure? You do have options. A short sale may be the answer to saving you, your family and your home. I am a Certified Distressed Property Expert (CDPE) with specialized training in helping families avoid foreclosure. Give me a call for a private consultation.

Search all Montgomery AL Real Estate And Homes For Sale.

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

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

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

 

Montgomery Real Estate For Sale:

930 Tarilton Road Titus, AL 36080

If you love the water and being outdoors, you must come see this wonderful spot on Lake Jordan! This comfy house sits on a gently sloping wooded lot with about 130 feet of waterfront and an awesome view! Relax on the huge covered porch, grill out on the patio or hang out on the dock. If you have to be inside, the spacious kitchen and den have plenty of room to spend time with the family and lounge around. It's simply perfect peaceful lake living!

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

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

 

Montgomery Real Estate For Sale

1176 Karen Road Montgomery, Al 36109

Great open floor plan makes this Lakeview Heights home very livable. Big open living/dining room area is open to kitchen through breakfast bar. Big masonry fireplace with gas logs makes for cozy fall and winter evenings, and the salt-water pool out back will make you a hit with all your friends come spring and summer. Private back yard is perfect for entertaining, and has not one but TWO detached storage buildings. Priced better than others in its class in the area, it is surely the best deal in this neighborhood...and is move-in ready!

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

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

Montgomery Real Estate For Sale

3104 S Hull Street Montgomery, AL 36105

From the moment you drive past this lovely cottage you will understand why only two families have loved this home for almost 80 years. With impeccable style and unique layout, the architectural features will tantalize. Offset corner front entry opens to formal foyer, then onto a LARGE living room with marble fireplace and beautiful stained wood French doors leading out to a private terrace. The step-up den/family room has graceful iron banisters and an architecturally pleasing barrel style ceiling. The oversized dining room will accommodate grand dinner parties as well as big family gatherings, while the cozy breakfast room is perfect for more leisurely meals. The kitchen is basic in nature, and is nonetheless totally functional and prime for a custom renovation. There are two large bedrooms, one with double closets, and an ample hall bath. The one car garage with half bath could be easily converted into a nice spare bedroom and full bath or master addition. Sitting on a well-manicured corner lot with mature shrubs and terrazzo floored patio, this yard offers some great spaces for outdoor living. Don't miss this one-of-a-kind home in a soon-to-be historically designated neighborhood! Owner financing available!
 

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

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

 

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