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Montgomery AL Real Estate: 3468 Cloverdale Rd

Wednesday, February 27, 2013
by The Hat Team

Montgomery AL Real Estate:

3468 Cloverdale Rd, Montgomery AL 36106
MLS# 299182

Charming Cottage With 50’s Twist!

3468 Cloverdale Rd

Groovy, baby! This unassuming cottage has a cool '50's twist...curved walls in the living room and dining rooms! Fun and funky, your guests will love these mid-century modern effects. Hardwood floors are throughout most of the house. The large kitchen has been recently updated, so all you need to do is pack your belongings and move in. Great screened porch off the back of the property overlooks big privacy-fenced back yard. And, there is an attached storage room on the side, perfect for small workshop.

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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.

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Montgomery AL Homes For Sale: 734 E Edgemont Ave

Monday, February 25, 2013
by The Hat Team

Montgomery AL Homes For Sale:

734 E Edgemont Ave, Montgomery AL 36111
MLS# 299094

This Charming Cottage Will Steal Your Heart!

734 E Edgemont Ave

This charming brick Cloverdale-Idlewild cottage will steal your heart. Living room and dining room are large enough to accommodate oversized furniture, and the sunroom off the LR makes a perfect home office, work-out room, playroom, or reading room. Cozy breakfast noon has antique built-in corner cupboards for displaying and storing things. Out back there is a wonderful deck with arbor perfect for parties. Plus there is a good sized dog run out back for your pets.

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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.

 

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Midtown Montgomery Market Trends - January 2013

Friday, February 22, 2013
by The Hat Team

If you are wondering what home improvement projects will give you the best return on the sale of your home, think “curb appeal.”

When buyers are shopping for a home, the exterior can make (or break) the first impression. According to the 2013 Cost vs. Value Report, exterior replacement projects are among the most valuable home improvements that sellers can currently invest in, starting with the front door.

A steel entry door topped this year’s survey with an estimated 85.6 percent of the costs recouped at resale. The steel door replacement is also the least expensive of the 35 midrange and upscale remodeling projects included in the survey, costing $1,137 on average.

This is the 15th year for the Cost vs. Value Report. This year’s survey included more than 3,900 appraisers, sales agents, and brokers across the country who provided their opinions and estimates.

Exterior projects dominated the list with six of the top 10 most cost-effective midrange projects and eight of the top 10 upscale projects.

Take a look at sales figures in our local real estate market for January 2013.

Midtown Montgomery real estate sales statistics for January 2013 show the number of homes sold decreased by 31% when compared to January 2012. The average sales price decreased by 42% to $79,911 for the month. The median sales prices decreased by 51%, and market times decreased by 18 day. The highest selling home price decreased by 53%, and the lowest selling home price was the same as January 2012.
 

Midtown Montgomery January 2013 January 2012
Homes Sold 22 32
Average Selling Price $ 79,911 $ 137,622
Median Selling Price $ 61,050 $ 125,200
Days On The Market 133 151
Highest Selling Price $ 369,000 $ 785,000
Lowest Selling Price $9,000 $9,000

 

For the latest Midtown Montgomery real estate market conditions in your area, please call me at 800-HAT-LADY or visit HomesForSaleInMontgomeryAlabama.com.

Information is provided by the Montgomery Area Association of Realtors and is deemed accurate but not guaranteed.

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Impact of Employment Gaps On a Mortgage For Your Montgomery AL Home

Friday, February 15, 2013
by The Hat Team

Maybe you elected to leave your job to take care of your children or an ailing relative, or perhaps you are a victim of a job layoff or downsizing.  Whatever the cause for your current unemployed status, you should plan mortgageahead for the day when you’ll be able to consider purchasing a Montgomery AL home.  The following information should be of help to you in your quest for a mortgage after a period of unemployment.

  • Potential lenders often review your employment history when considering your loan application, and relatively recent gaps in employment can hurt your chances for approval. Mortgage lenders typically like to see you've had continuous employment, preferably with the same employer, for the previous two years. Lenders equate job stability with personal stability, which is an indicator you'll be able to continue making payments over time.
     
  •  Based on current guidelines, which are subject to change, most lenders require that a gap of employment longer than three months be followed up by at least six months of employment before your income can be considered toward qualifying for the Montgomery AL home loan.
     
  • Most lenders have a two-year "same line of work" requirement; the employment gap doesn't disqualify your  income from counting so long as you’ve been in the same line of work for at least two years.  Even then, the lender will likely use only your base salary to count toward your loan qualifications. Commissions, overtime, bonuses and other employment compensation beyond the base salary cannot be counted toward your ability to repay your mortgage without a two-year paper trail documenting the extra income.
     
  • If you are looking to change lines of work, you will need to prove that you’ve been in the field for two years before your income will count. Time spent enrolled in an educational course does count toward the two-year "same line of work" requirement.
     
  • Obtaining a home mortgage insured by the Federal Housing Administration is a meticulous process, so it pays to familiarize yourself with its policy on employment gaps before applying for a purchase or refinance loan for your Montgomery AL home. The FHA underwriter evaluates the "four Cs" of borrower credit: credit history, capacity to repay, cash assets, and collateral. To determine whether you are capable of making monthly payments on-time, the underwriter analyzes your employment history and the income it generates, also known as effective income.

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.

 

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Montgomery AL Homes For Sale: 3318 Lexington Rd

Friday, February 15, 2013
by The Hat Team

Montgomery AL Homes For Sale:

3318 Lexington Rd, Montgomery AL 36106
MLS# 298936

This Will Catch Your Eye!

3318 lexington rd

Tudor-style cottage will catch your eye the moment you drive by! Architectural features include barrel-vault ceiling and Moorish fireplace in the living room. Enjoy the updated kitchen with breakfast nook as well as a formal dining room. As an added bonus to the original 3 bedroom 1 bath design, there is a mother-in-law addition which includes a bedroom, bath, walk-in closet, and kitchenette with separate entrance (and makes a great master SUITE!) Like new wood decks at front and back, and private side courtyard are fun places to gather. There is a large workshop out back with electricity, storage area, work bench, and storage loft (great man-cave!) Walk to the nearby park for summer concerts and holiday celebrations, and enjoy being minutes away from exciting Downtown Montgomery.

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.

 

 

 

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Montgomery Real Estate For Sale: 1815 Highland Ave

Friday, February 15, 2013
by The Hat Team

Montgomery Real Estate For Sale:

1815 Highland Ave, Montgomery AL  36107
MLS# 298904

Snag This Investment Now!

1815 highland ave


Old world charm including high ceilings, big rooms and huge windows that provide wonderful natural light. Up-to-date mechanicals for trouble-free ownership. And just-redone modern open concept interiors that will attract and retain quality tenants. Good ones already in place--management, too--so snag this investment now!

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.

 

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Montgomery Home For Sale: 2112 Wentworth Dr

Friday, February 15, 2013
by The Hat Team

Montgomery Home For Sale:

2112 Wentworth Dr, Montgomery AL  36116
MLS# 298906

One Of The Best Deals In The Area!

2112 Wentworth Dr MOntgomery AL

Worried about nosy neighbors backing up to your property? Not here! This Ridgefield home backs up to The Montgomery Academy property. Traditional floor plan includes formal living/dining room combination as well as a casual den/family room with cozy fireplace and tons of built-in bookshelves. Kitchen area has a sunny breakfast area, and the BIG laundry/utility room between kitchen and carport makes a perfect mud room for the kids. Originally built as a 4 bedroom home, the current owners removed the wall between the front two bedrooms, making one large space (and the wall could easily be returned if your family needs 4 bedrooms.) Mature landscaping and large brick patio out back, and a heated and cooled storage/workshop attached to the carport. Move-in ready, and one of the best deals in the area!

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.

 

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Montgomery AL Home For Sale: 3211 Cloverdale Rd

Tuesday, February 12, 2013
by The Hat Team

Montgomery AL Home For Sale:

3211 Cloverdale Rd, Montgomery AL 36106
MLS# 298842

Classic Cottage Style!

3211 cloverdale rd

Picket fence, mature trees, and classic cottage style…exactly what you would expect in a Cloverdale address! Large living and dining rooms are plenty big for entertaining, and the cozy den off the living room is perfect for TV watching or just hanging out. Quaint breakfast room has antique built-ins for all your collectibles and glassware, and the well-proportioned kitchen will please any cook. If house plants are your thing, or if you like to read you will love spending time in the bright and cheery sunroom, just off the kitchen. Relax in the large screened porch out back overlooking oversized PRIVACY fenced back yard. Walk in minutes to neighborhood parks, the new Playhouse, and Cloverdale's dining and entertainment district.

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.

 

 

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Montgomery AL Foreclosure Trends - Dec 2012

Friday, February 8, 2013
by The Hat Team

There were 810 Montgomery AL foreclosure homes for sale with 1 in every 1,024 housing units receiving a foreclosure filing in December 2012. The average selling price of a Montgomery AL home was $166,547 and the average foreclosure selling price was $65,632, a $100,915 savings according to RealtyTrac.com.

Montgomery AL Foreclosure Activity and 30 Year Interest Rate

Montgomery interest rates averaged 3.35% in December while the number of foreclosed homes dropped from 122 to 88.

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 0.03% lower than national statistics, 0.01% higher than Alabama and and the same as Montgomery County statistics in December 2012.

montgomery al foreclosure

Montgomery AL Foreclosure Activity by Month

The number of Bank-Owned properties stayed the same at 69 homes in December. The number of Auctions dropped from 53 to 19 and there is a 6-month rising 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.

 

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Why Your Montgomery AL Home Isn’t Selling -- And What To Do About It

Friday, February 1, 2013
by The Hat Team

Yes, you realize that the economy is tough, and, yes, you’re well aware that it is a buyers’ market in the real estate world.  But your Montgomery AL home has been for sale for a long time now, and similar houses in the area have been selling.  You’re asking what you consider a fair price for the property, and you allow your Realtor to have periodic open house showings, so what is going on?

soldGenerally the problem lies in one of four areas:  price, condition, availability, and location.

  • Price:  In today’s economy everyone is looking for a bargain. With access to so much information on the internet, buyers cannot be fooled because it is very easy for them to compare prices. Many people won’t even bother looking at a house if they believe it is overpriced. Therefore, you should make sure your Montgomery AL home is not priced higher than similar homes on the market. However, if you are looking to sell your home quickly, you should set the price even lower than the competition.  For more help with pricing, visit RIS Media and Realtor.com
     
  • Condition:  The condition of your home inside and out is critically important to making a sale. If your home doesn’t show well, a potential buyer is going to head elsewhere. Because most buyers are looking for a house they can move into without a ton of small repairs and cleanup, you should make any interior or exterior repairs on your Montgomery AL home that may be noticeable. While some buyers may be willing to negotiate on the price when there are repairs that need to be done, there are many who are looking for a home with a “move in worry free” condition. Clean and de-clutter thoroughly, and eliminate all odors  For staging suggestions, go to About.Com

     
  • Availability:   Getting as many people as possible to view your home is important. Too much restriction on viewing times will naturally lessen the chance of selling the house quickly. Also, restrictions on viewing times may make a buyer may feel that the seller is not flexible and would not be willing to negotiate on anything else.

     
  • Location:  When it comes to buying a house location is everything. No matter how beautiful a home is, if it is in a bad location, it will be hard to sell.  To compensate for a bad location, you may reduce the price of your Montgomery AL home substantially if it needs to be sold quickly. Click here for possible solutions to a location concern.

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.

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