Real Estate Information Archive

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?

Generally 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.

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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.

Despite survey after survey showing that consumers expect home prices to continue to decline next year, most owners of Montgomery AL homes still believe their houses are worth more than what their agents recommend.

Nearly three out of four home owners, 76 percent, believe their homes are worth more than the recommended agent listing price. By contrast, 68 percent of home buyers believe homes are overpriced, according to HomeGain’s latest survey, which involved over 400 real estate agents and brokers and more than 2,000 home owners nationwide. The gap between what sellers expect and what agents recommend has actually grown slightly over the past year even though national median prices have declined about 4-7 percent this year. A year ago 73 percent of owners thought their homes were worth more than their agent’s recommended listing price.

A new study by the Research Institute for Housing America, the think tank affiliate of the Mortgage Bankers Association, documents a profound market fissure caused by owners' fears and hesitation — what researchers call "negative selling sentiment.  "Nearly 80% of consumers in the study's survey think this is a great time to buy a house, but more than 92% of homeowners think it's not a great time to sell.

According to Syracuse University economist Gary Engelhardt, compared with earlier post-recession periods, today’s owners have been more deeply shocked by the extent and severe side effects of foreclosures, short sales, and unemployment. In the aftermath of earlier recessions, such as in the early 1990s, 40% to 60% of homeowners remained relatively positive about their prospects if they chose to sell — far higher than the very few who see it that way today.

Many owners of Montgomery AL homes "have not adjusted their price expectations downward" to keep pace with local declines in property values which occurred after the mortgage bust, Engelhardt says, thereby contributing to the sharp divergence in their real estate visions compared with those of buyers.

This is consistent with the results of a study conducted in mid-2011 by Zillow, the online real estate and mortgage information company. Zillow found that sellers nationwide were having trouble coming to grips with what market forces had done to their property values. They knew prices had declined, but they didn't necessarily think those devaluations applied to their Montgomery AL homes.

Click here for an approximate value of your Montgomery AL home.

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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

Talk about a setback!  You’ve spent recent months preparing your house for sale or looking for the perfect house to buy, negotiating a fair price, and anxiously awaiting the settlement date.  And now the appraisal on that piece of Montgomery AL real estate has come in below the asking price.  What to do?  First, whether you are the buyer or the seller, remain calm.  This is not an unusual occurrence in today’s market.  Understanding the possible reasons for the disappointing appraisal and exploring strategies to save the transaction are your next steps.

REASONS F0R A LOW APPRAISAL:

• Overpricing by seller
• Declining market values
• An abundance of foreclosures or short sales in the neighborhood
• Inflated price resulting from multiple offers
• Incorrect evaluation by the appraiser
• Cash back to buyer from the seller
• Error(s) on the part of the appraiser

WHAT A SELLER CAN DO:

• Lower the price of the Montgomery AL real estate.  After researching and analyzing the latest comps with your Realtor, realistically reconsider your asking price and decide whether you are willing to begin the selling process all over again.
• Offer to carry a second mortgage for the buyer if the above option is not possible.

WHAT A BUYER CAN DO:

• Ask the seller to make up the difference in cash.
• Ask the lender for a new appraisal after presenting your justification for this request.

OPTIONS AVAILABLE TO BOTH SELLER AND BUYER:

• Check the appraiser’s report for errors (in facts or omission) in information about the Montgomery AL real estate.  Verify the accuracy of the square footage, the number of bedrooms and bathrooms.  Have any recent improvements you’ve made to the property been included?  If not, appeal the appraisal.
• Supply to the underwriter a list of recent comparable sales that justify the selling/purchase price and ask for a review of the appraisal.
• Order a new appraisal.  Although you will have to pay for it, it could be money well spent if it results in a higher appraisal. Your lender will give you a list of appraisers if the loan is an FHA one.  If it’s conventional, it is subject to the rules of the Home Valuation Code of Conduct (HVCC).
• As a last resort, cancel the transaction.  Most purchase contracts contain a loan contingency which deals with low appraisals.

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.

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

Unfortunately, selling your Montgomery AL home in the current real estate market can be both difficult and frustrating.  As much value as you may feel your home has, the current conditions might say differently. In this buyer’s market, accurate pricing of your home is imperative in getting your property sold quickly and for the best price possible. While this might sound simple enough, correctly pricing your property is far from easy and is a decision which requires time and effort on your part.  The following tips should help make the pricing process a smooth and beneficial one for you.

1. Do your research: It’s important to know http://www.montgomeryhomeinfo.com/what other homes in your area are selling for right now in order to get an idea of a price point for your own property, but you shouldn’t rely on that alone. An Automated Valuation Model, better known as an AVM, is a web-based technology that immediately generates home values based on data analysis of recent area comparable sales, tax assessments and price trends.
2. Find the right Realtor: Hiring the listing agent who quotes you the highest price isn’t always wise.  Interview at least 3 Realtors familiar with the area around your Montgomery AL home and choose the agent who supports a suggested price with comparative market data. It is the job of your Realtor to know the current market and market trends inside and out, to be closely connected to the real estate market at large, and to be aware of other properties currently for sale in your particular neighborhood..
3. Cast emotions aside:   It’s important to remain as realistic and objective as possible when pricing your property. Although your home will most likely be invaluable to you, focus on the statistics from your research and on the advice given to you by your real estate agent for a satisfactory sale.
4. Avoid overpricing at the outset.  Because your property has the best chance of selling within its first seven weeks on the market, the longer it stays on the market, the less it will ultimately sell for.  In addition, you will lose out on savvy potential buyers who won’t even come by to look, and fewer knowledgeable Realtors will preview your Montgomery AL home.  Lowering your price later will only result in delays and suspicions that something is wrong with the property.

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. 

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

Traditionally, both sellers of Montgomery AL real estate and those looking to purchase a home have avoided doing so during the winter months, especial in December.  Because the last month of the year is a time of many religious, social, and cultural celebrations, most people feel they are too busy to deal with real estate matters and/or are convinced that the market is pretty much dormant until at least early spring.  Not so, say many Realtors!  Not only do many folks have vacation time in December and are thus free to house shop, but the slower months are often the ones where buyers are really serious and prices have been reduced. 

According to Lendingtree there are five strong reasons to buy Montgomery AL real estate during this season:

• Lower prices. Because many people are too busy to house hunt now, the slackening of demand is reflected in softer house prices.
• Less competition. With fewer active house-hunters out there, you are unlikely to end up in a bidding war, and sellers will be willing to negotiate.
• Favorable mortgage terms. Because there is less demand for mortgage money during the holiday season, lenders may be willing to shave a few basis points off the interest rate or to forgo some of their fees in order to get your business.
• Tax deduction. If you close on or before December 31, you are likely to be eligible to deduct the interest component of your first monthly mortgage payment and any money you paid for points from your taxable income for this year.

If you’re a seller, check out Realtor.om for a long list of reasons that support their belief that December is a good time to sell your Montgomery AL real estate.  Some of their arguments include:

• Less competition.  People who look at your home over the holidays are serious buyers who have fewer homes from which to choose.
• Business moves.  January is traditionally a month where employers have to move so they can’t wait until spring.  They have to buy now-- you’re there to capture that market.
• Advantage for you.  By selling now, you have the opportunity to be a non-contingent buyer for next year when houses are less and you’ll have more opportunities and properties to choose from.
• Timing.  Many potential buyers want to settle before the end of the year for tax reasons.

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.

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

Why? How? What? Where?

Let’s start with the why? The most common incentive to clear away clutter occurs when you’re selling your Montgomery AL real estate and want to stage it for prospective buyers. Real estate agents will tell you that clutter-filled, disorganized homes appear smaller, and every website offering tips for a fast sale includes--and stresses- the need to show a clutter-free home. Another strong reason for eliminating clutter is to lower the stress in your life by having everything in its place ((how nice it would be not to spend valuable time and energy looking through clutter for misplaced items!) and returning home to a serene and neatly organized setting. (Polls and studies have shown that physical surroundings do indeed affect one’s level of stress. ) Other mess-removing motivators include selling unused items to bring in extra money, donating still-good items to people who need them, and joining the green movement by recycling unwanted possessions.

How to begin such a daunting task?

All “experts” in the field strongly advise tackling the job in small steps. Begin with one room at a time, play soothing music, and allocate 20 to 30 minutes a day to the job. Bring to each room boxes or bins labeled keep, toss, donate, and recycle. Be ruthless!! If you haven’t used an item in the past year, remove it from your Montgomery AL real estate. (Hint: also check expiration dates on foodstuffs when you de-clutter the kitchen.) Assess your storage capacity and discard accordingly.

What should you dispose of?

The most obvious clutter creators seem to be mail, clothing, newspapers and magazines, documents, books, and home décor accessories. Think, too, about furniture, baby items, food, toiletries, appliances, bedding, electronics, and hardware. Have you heard about the “80/20 rule”? It is generally believed that you can safely let go of 80% of the papers you’ve kept.

Where should your unneeded/unwanted treasures go?

For many of them, the answer is, of course, the trash. (You can easily arrange for bulk pickup for large items.) Others may be candidates for recycling. Perhaps you can list some of them under the Free tab on Craig list or search nearly 5000 groups who use discarded materials.

Ask around your community for organizations which would welcome used books and toys--libraries, hospitals, nursery schools, churches. Give old magazines to doctors’ offices. Lions Club groups collect old eyeglasses, and many organizations eagerly accept working but unwanted cell phones. There are innumerable websites which suggest new homes for your discards. Try RecycleNow.com or Earth911.com (supplies locations of local charities by zip code). Many organizations such as Goodwill Industries, Salvation Army, and Disabled Veterans, have handy drop-off boxes or centers or will come to your Montgomery AL real estate location for pickup. (Extra bonus: in addition to the joy of giving to others, you may also receive a tax deduction for your contributions.)

The fact that much of our clutter reflects our memories, values, and achievements makes it difficult to let go of it, but with strong motivation, resolve, and continued effort, you can free yourself of accumulated “stuff”, give yourself extra time, money, and energy, and lessen your stress level while enhancing the lives of others. How to keep your home this way? That’s another article!

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.

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

Shall I sell now or wait to see what happens in the real estate market? That is a decision facing numerous homeowners in this period of economic upheaval and uncertainty. For those who are forced to leave their Montgomery AL home because of a job transfer, a need for a smaller home, and/or a desire for a smaller mortgage payment, the question becomes one of whether to rent or sell their current property. Oh, for a crystal ball…       

There are, however, some valid reasons to sell at the present time. Many in the real estate or financial fields believe that the timing for home sales may not be as opportune for a long period in the future as it is now, and they base their “sell now” advice on the following reasons:

• Would-be buyers in the fourth quarter of the year are historically serious buyers who are very apt to buy during this season. Thus, the seller may have fewer ‘lookers’ but more motivated purchasers.
• Interest rates right now are invitingly low and provide a real incentive for the serious buyer of a Montgomery AL home. These fallen rates can also be an advantage to the seller who wants to buy another home.
• If you do want to purchase another home, especially if you want to “trade up”, this is an optimum time to do so. The prices of more expensive houses have also dropped, sometimes considerably, and bargains are to be had in that market. Remember, too, that because there is a smaller pool of buyers for “high end” properties, those sellers may be more than willing to negotiate and lower their asking price.
• Renting out your Montgomery AL home rather than selling it is not a financially secure consideration. As the economy worsens, renters will be looking to pay lower rents, so your rental income may very well be less than your monthly mortgage payments and expenses, a situation you certainly want to avoid.
• The on-going foreclosure fiasco and the ensuing moratoriums positively support the idea of selling now. Many homes currently in the process of foreclosure are being removed from the market, and serious buyers are rightfully cautious about purchasing any short sale or foreclosed property. Therefore, your home, the one with a clear title and no irregularities, will be part of a new, “safe” inventory, one that will definitely attract buyers.
• Once the moratoriums are removed, many “experts” expect that there will be a glut of distressed properties on the market, a situation that will most likely drive prices down even lower and greatly swell the inventory with which you will have to compete. Add to that the fact that the end of the first quarter traditionally brings a large increase of listings, and your Montgomery AL home could be easily overlooked.

It would appear, then, that there is no time like the present to sell your home. Opportunity is knocking--don’t let it pass you by!

For Sunday’s open house, your Montgomery home was in “show-ready” condition. With curb appeal at its finest, clutter nowhere to be seen, windows and appliances sparkling, and the aroma of freshly baked cookies wafting in the air, you were certain that potential buyers couldn’t help but be positively impressed.

However, now it’s midweek, and the house has fallen back into its “lived in” state. Clutter abounds, dishes are in the sink, laundry has piled up, and toys have proliferated overnight. What a time for your realtor to call to tell you that she wants to show your Montgomery home to very serious buyers in two or three hours! What to do? First, don’t panic. Take deep breath, walk through the house to identify trouble spots, and make a mental plan following these handy guidelines.

• REMOVE CLUTTER FROM ALL FLAT SURFACES. It’s amazing how quickly items accumulate on the kitchen counters, coffee and side tables, bathroom vanities, dressers, desks, and nightstands and how negatively this disarray affects a buyer’s impression of your home. Straighten papers, put books on bookshelves, stack dishes in the dishwasher, collect newspapers, magazines, and sundry items in shopping bags or pillowcases and stash them--neatly-- in your garage or storage shed--or even in the trunk of your car!  Do not try to hide gathered items in your closet or cabinets because people touring your home will definitely be opening the doors to those areas. Also, be sure that your stairs are clear and clutter-free and that piles of dirty laundry are hidden from sight in the washer and/or dryer. 

• DUST, SWEEP, AND VACUUM.  Don’t forget mirrors, wood furniture, or television and monitor screens in your dusting efforts. Also be aware of the need to remove animal hair from sofas and chairs (and perhaps the animals could stay with a neighbor during the visitation). In the living room, arrange area rugs and fluff throw pillows.

• MAKE YOUR KITCHEN AND BATHROOM SPARKLE. A quick once-over with Windex will polish your appliances, glass doors on the microwave and cabinets, and chrome faucets.. “Scrub” the sinks/shower/tub with a spray product especially designed to rapidly remove a grimy film and produce a shine. Replace “used” towels with clean ones.  Too much personal "stuff" on the refrigerator door?  Take it off.

• LET THERE BE LIGHT; Turn on all your lights and open curtains, drapes, and blinds. Apply a quick cleaning spray and wipe any really dirty windows, and, weather permitting, open a window or two for some fresh air. You might also burn lightly scented candles or spray the house with Fabreeze or a similar product to remove potential odors.

• CHECK ON CURB APPEAL: Remembering that the exterior of your Montgomery home and your yard create the first impression for home buyers, clear all walkways and porches (and sweep if necessary). Remove all toys, sports equipment, lawnmowers, rakes, etc. Pick up any litter or animal waste on the premises. If you have the time, give your plants a quick spray with the hose.

And there you have it! In a rather short amount of time and without backbreaking effort, your house has reassumed its show-worthy state of Sunday, and you can be confident that the potential home buyers won’t realize that they were “unexpected” and that they will be duly impressed with the condition of your Montgomery home.

Although the interior of your home may be lovely, you can’t use that fact to your advantage if potential buyers don’t come inside to see it. The majority of house shoppers are influenced by first impressions, and, according to the National Association of Realtors, nearly 50% of them make their decision about your Montgomery home before stepping through the door. Ensuring that prospective buyers will want to see more doesn’t have to be time-consuming or cost-prohibitive; there are numerous ways to strengthen your home’s curb appeal, to capture the interest of buyers, and most likely increase the selling value.

When selling your Montgomery home, appearances are important. The exterior of the house should be attractive and in good condition, and the well-maintained grounds should be pleasing to the eye. The first thing to do is to look at the exterior objectively. Assess the color scheme (siding, trim, brick, roof) and determine if the architectural features of your house are in keeping with the rest of the neighborhood.

• Perhaps the easiest way to boost curb appeal is to clean. Pressure wash to remove mold and mildew from siding, decks, walkways, and driveways. Make sure that your windows sparkle and remember to wash the screens. Gutters, too, may need cleaning--or replacing. Investigate snap-fit vinyl systems, decorative rain chains, or even a copper system for a high quality look.

• Another way to generate interest in your Montgomery home is to pay attention to the grounds. Remove weeds, keep lawns mowed, and trim shrubs and trees. Add color by planting flowers and mulching (now available in a variety of colors) around plants and bushes. Prune areas which may appear overgrown or obscure architectural features which should be showcased and look at your landscaping design with a discerning eye.

• Consider adding more trees--for three reasons. In addition to making the grounds more attractive, tree cover can also result in lower utility and water bills and increase your home’s selling value. Shop for trees which grow well in Montgomery, provide variety in color and texture (fruit trees, Japanese maple and birch trees, for example), and are water efficient. Most area nurseries will gladly offer expert advice in selecting trees to improve your landscape plan.

• An inviting entrance will also impress buyers. Your front door may need repainting or replacing since it should be an attractive focal point of your property. Think about color and design as well as hardware when making improvements. Polish or replace knobs, knockers, doorbells, and kick plates. Purchase a distinctive welcome mat and investigate the need for outdoor lighting. Porch, garden, and walkway lights not only enhance the landscape’s appearance, they also help to provide safety and security (a good selling point!).

• And finally, spruce up the front porch or landing. Brightly colored plant/flower containers and hanging baskets add pizazz, as do a freshly painted porch floor and outdoor furniture. An eye-catching entranceway certainly helps ensure that buyers will gladly accept your invitation to come inside your Montgomery home.

What's your Montgomery home worth?

In today’s competitive housing market, buyers can afford to be selective. It is, therefore, up to the seller to anticipate the demands of the buyer and act accordingly. The ten strategies listed below will help you accommodate the buyer’s needs and make certain the selling of your Montgomery real estate is a succes.

1. Price sensibly. Listing too high initially is doubly dangerous. Price-savvy potential buyers will simply bypass your home in favor of more realistically priced Montgomery real estate, thus limiting your market. In addition, you’ll have to lower your price eventually, possibly below market level, to capture their attention.

2. Utilize professional expertise. Far too many sellers come to regret their attempt to avoid a paying a sales commission when they are unable to generate widespread exposure on their own. To their dismay, they also find that potential buyers expect a far lower price on a FSBO.

3. Make needed repairs. Buyers want a home that is in good condition, up to date, and “move-in ready.” Be sure that all systems, the roof, appliances, etc., are in good working order and replace fixtures that look out-of-date.

4. Simplify the setting. Make room! Too much furniture makes rooms appear smaller, and too many accessories draw the buyer’s attention away from your home’s assets. De-clutter cupboards, counters, and other flat surfaces. Make space in your closets and storage areas, and allow for an open traffic pattern. Put away personal items. Buyers need to be able to visualize their own furniture and belongings in what could be “their” new home

5. Keep it clean! Odors and dirt are real turn-offs to potential buyers.

6. Provide curb appeal. The exterior of your home must invite buyers to come inside. Remove weeds, trim trees and bushes, present a healthy lawn, and maintain an attractive appearance at all times. Don’t forget power washing or repainting, if needed. Add a pot of colorful flowers and a new welcome mat for extra charm and a successful showing.

7. Allow for accessibility. The more showings of your Montgomery real estate you have, the greater the chance of a successful sale. Buyers want easy access to the homes they visit. Your realtor will help you make satisfactory arrangements for optimum availability, use of a lock box, advance notification, etc.

8. Stay away during showings. Buyers viewing your home need to take their time to thoroughly it and fee free to voice their reactions to the realtor. Also, if you’re not there, you can’t say anything which might hurt the prospect of a sale.

9. Avoid misrepresentation. Your realtor will advise you of local disclosure laws, and it is important that you comply with them. Attempts to hide a defect will only result in problems later on and may well derail a potential sale.

10. Be flexible. Selling you home can feel like a personal transaction, and sometimes emotions threaten to overshadow logic. Listen and react to all contract proposals as objectively as possible. Know in advance what your needs are re: price, which items convey, settlement time frame, etc. Try to keep in mind the big picture and resist getting hung up on the small things.

The sale of your home depends on both your realtor and you. By working as a team and utilizing the ten strategies outlined above, the process has a greater chance of being a productive and successful sale.

Learn more about selling Montgomery real estate.

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