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Displaying blog entries 241-250 of 359

Choosing the Right Flooring for Your Home

Wednesday, October 10, 2018
by The Hat Team

Have you been thinking about redoing the floors in your home?  There are so many flooring options available that it can be confusing and overwhelming trying to decide what you want.  Floors are a significant part of what defines the style and function for every room, so it’s important to make sure you choose something that you not only like, but that will hold up and look good for years to come.  Here are some current flooring trends you may want to consider:

  • BAMBOO

Bamboo flooring has been around for a couple of decades now, but recently advances in manufacturing have strengthened its durability and diversified its appearance.The introduction of super-dense “strand-woven” bamboo means that it can be made into boards that are two and a half times as hard as red oak.Various wood-look styles are available in bamboo as well, meaning there are many options for style.Since it is made from a natural plant, bamboo is eco-friendly. So, if you are environmentally conscious it is a good choice for you.

  • LARGE FORMAT TILE

For a modern style, consider large format tile.Whether you want a rustic stone look, a minimalist, industrial feel or a sleek, high-gloss finish, you can find what you are looking for in large format tile.It can make a small space look larger and can give a more streamlined look to a large space.And with fewer grout lines, it is easier to clean. Large Format Tile Images on Pinterest

  • LUXURY VINYL

When you think of luxury, vinyl is probably not the first thing that comes to your mind.But luxury vinyl is worth looking in to.It’s nothing like the peel-and-stick flooring that people used to install back in the day.It is a new type of flooring that combines a high-end look with the durability of vinyl. Unlike wood, it stands up well to moisture and is therefore great for kitchens, bathrooms and laundry rooms. comes in a variety of looks - from hardwood to stone - and looks so real that people will be surprised to discover it is vinyl!

  • CUT & LOOP CARPET

If you love the comfort of carpet, but want a different look, then cut and loop carpet may provide just what you’re looking for.Using a technique that combines both loops and cut loops, manufacturers can create a carpet with eye-catching patterns that add depth and style to your floors. And, with new technology, carpeting is being produced with softer fibers than in the past.Carpet padding has come a long way as well and offers more protection that it used to.

  • CONCRETE

If a sleek, industrial look is what you’re after, concrete is the way to go. This durable flooring comes in a variety of textures, colors and finishes, so it can complement almost any décor. Concrete floors are long-lasting and easy to clean and maintain.But they are also hard and cold, so you want to keep that in mind when choosing where to use them.They are not going to be comfortable to stand or walk on all day long.

  • AMERICAN HARDWOOD

For beauty and durability, you cannot go wrong with American hardwood.It’s also a great choice for the environmentally conscious.Since it is made here and not shipped from the other side of the world like bamboo, you are reducing your carbon footprint a bit by purchasing wood from trees closer to home.In addition, the United States takes the issue of deforestation seriously, and replenishes forests as they cut trees down. With choices like oak, hickory, maple or heart pine, you can fill your home with warmth and allure while also being environmentally friendly.

If you are in the market to see or buy a home, let Sandra Nickel and her Hat Team of professionals assist you with all your real estate needs! Call them today at 334-834-1500!

Photo Credit: consumerreports.org

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Cleaning Your Home After Selling

Wednesday, October 3, 2018
by The Hat Team

SOLD!  What a relief!  Your house is sold and soon you will be moving out.  Pride in ownership means that you will likely want to leave your house in good shape for its new owners. In some states, the Real Estate Purchase Contract may stipulate that the home is to be “swept clean”, meaning the seller should at least sweep the floors and leave walls and ceilings bare.  But the language can often be vague.  Here is a list of cleaning tips for home sellers to help you leave the house reasonably clean and to create a feeling of goodwill toward your buyer:

Cleaning the Interior of the Home Before Moving Out:

  • Remove all personal property.
  • Vacuum the floors.
  • Clean kitchen appliances including the inside of the refrigerator and over.  Wipe down the counters.
  • Scrub sinks and tubs.
  • Wipe down interior cabinets and shelves.
  • Wash tile/vinyl/wood flooring.

Cleaning the Garage Prior to Closing:

  • Remove personal belongings.
  • Throw away trash.
  • Properly dispose of toxic chemicals.
  • Sweep the floor.
  • Stack items pertaining to the home such as paint cans, roofing materials or extra flooring.  Check to make sure the buyer wants the extra materials first.

Basically, you want to leave the home in the condition that you would like to find your new home.  Your buyers will appreciate it!  What Are House Cleaning Expectations When a Seller Moves

If you are in the market to sell or buy a home, let Sandra Nickel and her Hat Team of professionals assist you with all your real estate needs!  Call them today at 334-834-1500!

Photo Credit: tm-cleaning.com

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Surprise! You Don’t Need a 20% Down Payment to Buy a House!

Wednesday, September 26, 2018
by The Hat Team

You are ready to purchase your first house.  Your credit score is great.  You know you can afford a monthly mortgage payment based on your budget.  You are sure you will be approved for a mortgage loan.  But that down payment!  How the heck are you supposed to come up with 20%?  Don’t despair, because the truth is, you don’t need a 20% down payment to purchase a house!

Saving for a down payment on a house can seem overwhelming for many people.  Keep in mind that it can come from various sources.  Funds can come from bank accounts, stocks or mutual funds, an inheritance, or a gift from a family member.  Some people will even use assets from their retirement portfolio.  Requirements regarding where the money comes from for your down payment depend on the loan type.  Also, purchasing a primary residence usually requires a lower down payment than if you are purchasing a second home or buying an investment property. The Different Types of Mortgage Loans in 2018, Explained

The myth about down payments is that 20% is the norm. While that may have been true in the past, it’s not anymore.  The fact is that per the National Association of Realtors, a majority of homebuyers purchased their home with a down payment of 6 percent or less. Unfortunately, a lot of people don’t even consider buying a home because they still think they need 20% down.  The NAR'S Aspiring Home Buyers Profile 2018 found that 36% of non-owners believed that saving for a down payment would be very difficult. Chances are they still believe in the 20% down myth and it is just not the case anymore!

So, now that you know you don’t have to have 20%, perhaps buying a home seems more within reach.  But there are still some things you should be aware of before taking that first step toward homeownership.  Various factors are at play in determining if you should take on a mortgage with lower down payment.  For example, the less you put down, the larger your mortgage payment will be each month.  That is because you will have a larger loan amount, possibly a higher mortgage interest rate, and the added cost of Mortgage Insurance.  So, while you don’t have to come up with more cash, your monthly costs go up.

Once you have educated yourself about the requirements, you can make informed decisions about your budget and how much you can afford.  Don’t let the 20% down payment myth stop you from pursuing your dream of home ownership! 

If you are in the market to sell or buy 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!

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Creating a Fabulous Fall Landscape!

Thursday, September 20, 2018
by The Hat Team

First impressions are crucial to successfully selling your home.  The first thing potential buyers notice when they drive past your house is your lawn and landscaping.  If you’re putting your house on the market this Fall, here are some tips for sprucing up your yard to make a fantastic first impression!

  • Rake, rake, rake.  Fall foliage is beautiful and can serve to make your property more attractive to buyers, but a lawn covered in leaves looks sloppy.  Keep up with raking so people notice the beautiful leaves ON the trees, not the dying leaves on the ground.
  • Plant Fall flowers.  A fall garden filled with vibrant color is a great way to add beauty to your yard. Planning a Fall Garden
  • Create a lush lawn by aerating so that water and nutrients can reach the roots. Importance of Fall Lawn Fertilization and Aeration
  • When you do your last mow of the season, make sure to trim grass short.  Shorter grass helps prevent disease.  In addition, fall leaves will blow across your lawn if they have nothing to cling to.
  • Trim ugly limbs.  There is nothing pretty about cracked, diseased or dead limbs. 
  • Get rid of annuals that have lost their luster.  Trim tired perennial foliage down to the ground.  This will prepare them for their next season and will tidy up your flower beds for a neater look.
  • Lay fresh mulch for cooler weather curb appeal.  Choose mulch that is aesthetically pleasing while also providing the benefits that keep your flower beds looking their best.

With summer winding down and fall just around the corner, it’s a good time to start planning for creating beautiful curb appeal that will have potential buyers lining up to see your home!

If you are in the market to sell or buy a home, let Sandra Nickel and her Hat Team of professionals assist you with all your real estate needs. Call them today at 334-834-1500!

Photo Credit: pinterest.com

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Home Closings - What Can Go Wrong

Wednesday, September 12, 2018
by The Hat Team

Closing on a home is the final step to the home selling/buying process.  It can feel stressful and overwhelming, especially to first-timers.  Here are some things that most often go wrong with home closings, and how to avoid them!

     WALK THROUGH - A walk through of the home is done before closing to confirm that everything is as it was when you signed the purchase agreement.  It’s also the time to make sure any repairs that you requested were completed.  If you get to your walk through and discover that the owner took the washer and dryer they had agreed to leave or there were agreed upon repairs not done, your closing will definitely be put on hold.  Money will be placed in escrow to cover the costs and deadlines will be extended.

     FEES - You will want to look at a copy of your HUD-1 Settlement Statement before going to your closing so that you can look over all the fees and ask questions should you have any. Fees on the statement will include those from your lender, closing attorney, city, insurance, surveys, and transaction fees among other things.  You don’t want to get all the way to your closing and find out there are fees you weren’t aware of which may delay proceedings.

     TITLE SEARCH - Make sure the title search is completed with plenty of time to deal with any issues that may arise.  A professional title examiner should be utilized by your closing attorney to be sure there are no defects on the title that would prevent the property from being sold.   If the title search is done at the last minute and there are problems, it might take a long time to fix thus holding up the closing.

     WIRE TRANSFER - The wire transfer of funds needs to arrive within a specific window of time for closing.  An issue with the wire can hold up closing.  It’s vital to check with your lender and closing attorney to be sure that all parties have the correct wire information and timelines.

     CLOSING PACKAGE - A common problem that delays closings is the Closing Package not being ready.  At the end of the loan process, there are a lot of loose ends that must be tied up and they can sometimes cause delays. Timing is everything.  You may be scheduled to close at 11:00 AM, but if your package isn’t ready until 2:00 PM and your lender and attorney has other closings scheduled, your closing may be postponed to the next day.

If you are in the market to sell or buy a home, let Sandra Nickel and her Hat Team of professionals assist you with all your real estate needs.  Call them at 334-834-1500 today!

Photo Credit: realtor.com

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Buyer & Seller Guides Fall 2018

Tuesday, September 11, 2018
by The Hat Team

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Steps for Maintaining Your Historic Home

Wednesday, September 5, 2018
by The Hat Team

Historic homes are beautiful, and to keep them that way, it’s important to take steps to maintain their old-world charm.  Here are steps you can take to keep your old home properly protected and preserved:

KEEP UP WITH REGULAR MAINTENANCE - Routine maintenance like cleaning and painting (especially the exterior) are vital to minimizing issues that might mean costly repairs. It’s a good idea to develop a maintenance schedule and follow it as best you can.

LIMIT CHANGES - When repairs must be made, try to keep original details intact. For example, if some trim needs to replaced due to rot or infestation, only replace the parts that are damaged. This will save wood and money and help preserve the historic fabric of the house.  If you do have to replace something completely, take photos prior to removing anything so that it can be duplicated to retain the character of the home.

KEEP HISTORIC WINDOWS - If you have early twentieth century (or earlier) windows, you are going to want to keep them. They were made to be repaired, not replaced.  It is possible to make old windows more energy efficient.  Save Big Bucks by Restoring Your Old Windows & Making Them Energy Efficient

TAKE SPECIAL CARE WITH MASONRY -  While brick and masonry are long-lasting components, they will need maintenance and eventually, repairs.  Educate yourself about proper ways to care for and repair them.  Restoration Guide: Masonry and Brick Exteriors

EMBRACE THE QUIRKS - You don’t have to “fix” everything. You can repair and stabilize structural damage while keeping elements that show how your home has aged over the generations.

KEEP HISTORIC INTERIOR FEATURES - While you will surely want to update some aspects of your home, try to hang on to the charming features that make it unique. Things like transoms, paneled doors, moldings and such are features that make your home special.

KEEP PLASTER WALLS - Plaster is a remarkable material that is superior to modern day drywall.  In recent years, preservation contractors have discovered the Benefits of Preserving Plaster Walls. Damaged plaster walls can be repaired, and if necessary, only replace the damaged portions.

CHERISH THOSE OLD HARDWOOD FLOORS - Retaining the old floors in a historic house requires special care.  Be careful not to over-sand them, destroying the antique character in the process. Old floors were hand-planed, and hand-sanding is the best way to maintain their character.  Taking Care of Your Wood Floors

The most important step you can take to maintain your historic home is to educate yourself. Lots of information can be found online and there are Old House Specialists that can help you! Also be sure to check out these regulations for historic homes in Montgomery AL: Historic Designation and the Architectural Review Process

If you are interested in purchasing a historic home in Montgomery, AL let Sandra Nickel and her Hat Team of Professionals assist you with your search.  Call them today at 334-834-1500!

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Enjoy a Safe and Happy Labor Day Weekend!

Friday, August 31, 2018
by The Hat Team

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Selling in the Fall is a Great Idea - Here’s Why!

Thursday, August 23, 2018
by The Hat Team

While summer is considered by many to be the hottest time for selling a house (both literally and figuratively), sometimes circumstances require you to sell during a different time of the year.  This fall might be exactly the right time to sell.  Homes are still in demand and there is a good chance you will find a buyer before the end of the year.   Here are some perks to selling in the fall:

- Buyers are seriously looking in the Fall. They want to get settled into a new house before the holiday season begins.  The pressure is on for them to find their new home quickly and this puts you (the seller) in the driver’s seat when it comes to negotiations.

- There is less competition in the fall. Many sellers need to close and move before school starts, so fewer houses are for sale.  With less to choose from, buyers can’t afford to be quite as picky.

- You will be dealing with different types of buyers.  Families often move in the summer to accommodate school schedules. Empty Nesters and Millennial Home Buyers are more likely to be looking in the fall. In addition, employers who need to relocate their workers often wait for fall to avoid the hot market during spring and summer.  A speedy closing is the goal of most of these buyers, which means you are more likely to get the best price possible for your house.

- Fall is pretty.  The weather is cooler; the leaves are changing colors and fall décor can make homes look and feel warm and cozy.  This is a great time of year to dress up your house to entice buyers.

So, if you have been thinking about putting your house on the market, don’t wait until spring.

Contact Sandra Nickel and her Hat Team of Professional Realtors at 334-834-1500 and get your house listed and sold this Fall!

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Happiness is: A Back-to-School Routine

Wednesday, August 15, 2018
by The Hat Team

With kids heading back to school, it can be challenging to transition from a summer schedule to a more demanding school year schedule.  Establishing a morning routine will help keep everyone organized.  Here are some tips for creating an effective routine for your family:

     Set a time for waking up on school mornings and stick to it.  Consistency is key.  By waking up at the same time every day you will develop a pattern of wakefulness and sleepiness each day.  It’s equally important to go to bed the same time every night, especially for young children who need 10 to 11 hours of sleep. Once you have determined what time your kids need to get up to get ready for school, you can then easily determine what time they need to go to bed. Child Sleep - Recommended Hours for Every Age

     Prepare for each day the evening before.  Make sure that school bags are packed up and placed in a designated spot to be picked up the next morning.  Have your children choose their outfits the night before as well. Plan for lunches if your children will be bringing them from home. Have them ready to grab and go. Get the day off to a good start by having everything organized and ready to go.

     Create a “to do” list for your children that includes everything they need to do before leaving for school. Brushing teeth, getting dressed, putting on shoes, eating breakfast etc.  You can find Free Printable Charts or you can have your children make their own.  Place it where you know they will see it first thing every day.

     Make sure you leave enough time for a healthy breakfast. Any breakfast is better than none, but try to avoid having sugary sweets for breakfast every day.  Your kids need fuel for their bodies and minds to be successful at school.  Ten Best Breakfasts to Feed Your Kids

     Leave the house with plenty of time to get to the bus stop (or school, if you are driving).  Arriving to school calmly and with time to spare sets a positive tone for the day.

Setting a consistent routine will make mornings more pleasant and the school day more successful!

If you are in the market to sell or buy a home, let Sandra Nickel and her Hat Team of professionals assist you with all your real estate needs.  Call them at 334-834-1500 today!

Photo Credit: thebabysleepsite.com

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