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2444 Winchester Rd: Vaughn Meadows Home with a Spacious Layout!

by The Hat Team

2444 Winchester Road, Montgomery, AL 36106

MLS# 549594

4 Bedrooms | 2 Baths | 2,511 Square Feet | Vaughn Meadows

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Welcome to 2444 Winchester Road in Vaughn Meadows, conveniently located in Midtown Montgomery! You will love the spacious layout this well maintained one owner home offers! Upon entering you will notice there are plenty of areas for your family and friends to spread out. The kitchen offers beautiful granite counter tops, a nicely tiled backsplash, unique brick flooring and all the needed space for cooking! You will fall in love with the high ceilings and natural light flooding into the freshly painted great room. Down the hall are four nicely sized bedrooms, two bathrooms and plenty of storage closets. In the backyard you will immediately notice this house backs up to a wooded area, adding privacy to the yard. There are two patio areas, one of which is covered, for relaxing on those nice breezy evenings. Don't miss your opportunity to see everything this wonderful house has to offer!

Marketed by Montgomery AL Realtor, Alison Bertschy, Sandra Nickel Hat Team!

116 Brantwood Dr: Classic Brick Home in Lovely Morningview!

by The Hat Team

116 Brantwood Drive, Montgomery, AL 36109

MLS# 549535

3 Bedrooms | 2 Baths | 1,618 Square Feet | Morningview

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This one-owner Morningview home is ready to move into! Classic 1950's design boasts large living room, dining room, and updated kitchen with sunny breakfast room. Knotty pine 3rd bedroom off kitchen has fireplace with Alabama sandstone and could swing as a wonderful cozy den/family room. The central hallway leads to the guest bath, 2nd bedroom, and main bedroom. The former back porch is enclosed to make laundry room (hence small window unit in that room.) Large, fenced back yard has patio and big storage/workshop building (former 1 car garage.) Convenient to schools, shopping, dining, downtown, and interstate! A solid brick home that has been loved by the same family for over 70 years, and now it can be yours!

Marketed by Montgomery AL Realtor, Billy Young, Sandra Nickel Hat Team!

476 Caldwell Pl: Custom-Built Home in Desirable Caldwell Place!

by The Hat Team

476 Caldwell Place, Montgomery, AL  36109

MLS# 549446

2 Bedrooms | 2 Baths | 1,648 Square Feet | Wing Wood

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This immaculate, custom-built, one-owner home in desirable Caldwell Place has so much to offer! Perched on a bluff in a quiet cul-de-sac, this patio home feels private and secluded. Beautiful landscaping (fed by an in-ground sprinkler system) welcomes you not only from the front approach, but also via the rear alley driveway, where you will find plenty of off-street private parking. Inside, the Living room is spacious and boasts volume ceiling. The dining room for formal meals pairs nicely with large sunny breakfast room off kitchen for everyday meals. Although this is a two-bedroom home, there is a study/office/bonus room (no closet) that could be used as a third bedroom. Main bedroom also has volume ceilings and lots of light. Main bath has big walk-in closet, double vanity, garden tub and separate walk-in shower. A covered rear porch is the perfect place for relaxing and enjoying the private backyard with all its wonderful flower beds and shrubs. This home is centrally located in Montgomery and close to shopping, dining, and schools.

Marketed by Montgomery AL Realtor, Billy Young, Sandra Nickel Hat Team

 

2215 Crossroads Pass: Beautiful Villages of Pike Road Home!

by The Hat Team

2215 Crossroads Pass, Pike Road, AL 36064

MLS# 549270

4 Bedrooms | 2 Baths | 1 Half Baths | 2,315 Square Feet | Villages of Pike Road

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Welcome to the Villages of Pike Road! This like-new home is one of the larger, open floor plans with 2315 sq ft, 4 bedrooms and 2.5 baths. As soon as you walk through the front door you will be impressed with the thoughtful design that maximizes both functionality and aesthetics including beautiful crown molding, tall ceilings, and tons of natural light. The gorgeous kitchen has a huge island for gathering around while open to the living area. The downstairs master suite has a generous sized bedroom and bath with walk-in shower and soaking tub. Three spacious bedrooms upstairs with versatile space perfect for a home office and a door to the upstairs balcony where you can watch the sunset. The covered patio overlooks a pretty field. This charming neighborhood has a community pool and green space and is just 10 minutes from Vaughn Rd. Check it out today!

Marketed by Montgomery AL Realtor, Lauren Keen, Sandra Nickel Hat Team!

Moving in 2024? Start Preparing Now!

by The Hat Team

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!

3155 Montezuma Rd: Cloverdale Gem with Attached Apartment!

by The Hat Team

3155 Montezuma Road, Montgomery, AL 36106

MLS# 549020

3 Bedrooms | 2 Baths | 1 Half Baths | 2,275 Square Feet | Cloverdale/Idlewild

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This Cloverdale gem boasts 3 bedrooms and 2.5 baths, AND there is an attached 1 bedroom/1BA apartment that can be rented out or used as a guest/in-law/adult child residence! Main part of house has spacious living room, dining room, sunroom, and paneled den/family room. The kitchen has newer appliances, quartz countertops, and plenty of storage. Breakfast nook has pantry space and room for an additional refrigerator or stand-up freezer. Out back there is a detached 2 car garage with storage, a greenhouse, and a lovely brick patio. The attached apartment has living room, kitchen, bedroom, and bath. Roof, HVAC, and water heater were replaced ~2018, as well as updated wiring. Main house could rent for $1,500/month, and apartment is bringing $600/month; so this would make a great investment property!

Marketed by Montgomery AL Realtor, Billy Young, Sandra Nickel Hat Team

1148 S Lawrence St: Completely Remodeled Garden District Cottage!

by The Hat Team

1148 S Lawrence Street, Montgomery, AL 36104

MLS# 548823

2 Bedrooms | 2 Baths | 1,542 Square Feet | Garden District

Play VisualTour

This 1925 Garden District cottage has been completely remodeled just in time for its 100th birthday (almost)! The charming brick exterior exudes old house charm, while the interior boasts a modern feel with its open floor plan and tons of natural light! Brand new flooring, fresh paint, new fixtures, new countertops, and a NEW roof! The master suite has a brand-new bath with a sleek double vanity, tiled shower, walk-in closet and second closet in the bedroom. The front bedroom suite has a spruced up original bath and washer/dryer connection in the hall. Check it out today!

Marketed by Montgomery AL Realtor, Lauren Keen, Sandra Nickel Hat Team!

1253 Magnolia Curve: Fantastic 4 Bedroom Cloverdale Cottage!

by The Hat Team

1253 Magnolia Curve, Montgomery, AL 36106

MLS# 548675

4 Bedrooms | 2 Baths | 2,637 Square Feet | Cloverdale

Play VisualTour

It's the perfect time of year to FALL in love with this fantastic Cloverdale cottage!! You will love being within walking distance of Huntingdon College and Cloverdale's entertainment district! This spacious home boasts 4 bedrooms and 2 bathrooms so there's plenty of space for everyone! Upon entering this home, you will find a lovely entryway that leads you into the very brightly lit living room and dining room. You will also notice the crown molding, plantation shutters, high ceilings and lovely hardwood floors throughout the house. Custom cabinetry was recently added to the breakfast nook for all your kitchen storage needs. Plus, the soft-close cabinets and drawers are a kitchen lover’s dream! The master ensuite was recently modeled to include a nicely tiled walk-in shower. The detached garage is divided into 3 sections: 1 single car garage, an air-conditioned workshop and separate storage. Don't miss this opportunity to live on the beautifully tree-lined Magnolia Curve!!

Marketed by Montgomery AL Realtor, Ali Bertschy, Sandra Nickel Hat Team!

A Guide to Getting a Home Appraised

by The Hat Team

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!

Tips for Increasing the Equity in Your Home Faster

by The Hat Team

Your home equity is how much of your home that you “own”. For example, if you put down 20% on your home when you purchased it, that means you already have 20% of the home’s value of equity in the home. As you pay the loan down over the years, your principal loan value decreases while your equity increases. To calculate your equity, take the current appraised value of your home and then subtract what you still owe on your home.

Every month when you make your mortgage payment, you gain equity in your home. If you make full payments on time, your equity will grow as your principal loan decreases and at the end of the term of your loan, you will own your home outright. So, if you have a 30-year mortgage, you will own your house in 30 years. Building equity is one of the major perks of being a homeowner. It makes your home a valuable asset that you can use in the future to either buy a new home or make other large purchases. Some people even use their home equity to fund their retirement. But thirty years is a long time! If you want or need access to your money sooner, you can build your equity faster and here is how:

  • PAY MORE AGAINST YOUR PRINCIPAL MORTGAGE

By making extra mortgage payments, or paying more than you owe each month, you can decrease the amount of your principal balance and build equity faster. For example, if you make one extra mortgage payment a year, you could possibly pay off your loan ahead of schedule. Or, if you pay a little more than your required payment each month, you can also shorten the life of your loan. Say your required monthly payment is $2100. $2100 divided by 12 is $175. If you add $175 to each monthly mortgage payment, after 12 months you will have made one extra payment for the year, thus paying off your mortgage a little quicker! But be careful, because some loans have prepayment penalties for paying off your loan too much ahead of schedule. So, check into that before you decide to pay more on your loan.

  • WHEN YOU GET EXTRA MONEY PUT IT TOWARD YOUR LOAN

Extra money? Who has that? Well, you might if you get a bonus or a gift of money. Perhaps you can’t afford to put extra money toward your loan every month, but things like holiday bonuses or even a tax refund or an inheritance may give you the extra cash you need to make and extra loan payment. Just be sure that your money is going toward your principal and not your interest.

  • COMPLETE A HOME IMPROVEMENT PROJECT

There are some home improvement projects that can add significant value to your home, thus increasing the equity you have in your home. Even a small project can give you a huge return on your investment (ROI)

  • CHOOSE A 15-YEAR LOAN VERSUS A 30-YEAR LOAN

Just because a 15-year mortgage is half the time of a 30-year mortgage, that does not mean that your monthly payment will double. Have the mortgage lender run the numbers to see if you can swing the payments on a 15-year loan. If so, you will not only pay the loan off faster, but you will also pay less interest over the life of the loan, thus saving even more money!

  • MAKE A LARGE DOWN PAYMENT

While it may be tempting to take advantage of a loan that offers a low or no down payment, if you’re looking to build equity quicker, it is not the best choice. A large down payment will assist you in building equity faster. The more you put down, the more equity you begin with. If you can put at least 20% down, you get the added perk of not having to pay for PMI (Private Mortgage Insurance), which can be expensive.

Building equity is a huge benefit of being a homeowner. It’s like a forced savings account and can be one of the best investments you will ever make!

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!

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