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1929 Bullard St, Montgomery AL 36106

MLS# 433203

2 bedrooms | 1 bath | 1,382 square feet | Forest Park

Cute two-bedroom/one bath home on corner lot features a front porch and a rear deck. Back patio has built-in BBQ/fire pit and a large fenced area for pets. Original carport was enclosed to make a den/bonus room and could be third bedroom. Includes a laundry room and storage area as well.  Located in desirable Midtown Montgomery and priced to sell!

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

First-Time Homebuyer’s Checklist: Are You Ready to Buy?

by The Hat Team

The decision to purchase your first home is not one that should be made lightly.  It is an important, life-changing decision that should be given serious consideration.  So, before you take the plunge into searching for the prefect home, here are some questions you should ask yourself to make sure that you are ready.

- Can I afford a home?  The first step is to determine if you can afford to buy a home based on your current financial situation.   Using a Home Affordability Calculator will help you figure out how much you can afford by plugging in your income, debt and the amount of a down payment you will be able to make.   You will now have a number for the highest amount you can afford and what the monthly payment will be.

 - Is it better for me to rent or buy?  Using a Rent vs. Buy Calculator will allow you to crunch the numbers. You can enter the current amount of rent you’re paying (or how much you would be able to pay) and the zip code where you want to live. The calculator will provide a comparison of the cost of buying a home versus renting in that area.  You will also be able to see which option is more cost effective over time.

 - How long will I live here?  If you plan to stay in a home for a long time, it is generally better to buy versus rent. If you’re going to be living somewhere for a short term, renting might be the better option.  The reason is that when you buy a home you will likely have to pay closing costs which can total in the thousands of dollars.  In addition, most of your early mortgage payments go toward interest rather than paying down the principal, which is the actual amount you owe on the home.  A good rule of thumb is that home buyers should stay put for at least five years.  Otherwise, renting may be better.

 - Are you saving for retirement?  Retirement may seem a long way off to young home-buyers, but it is important to start saving early.  It’s not a good idea to neglect your retirement accounts to “save” money to put down on a house.   Consider meeting with a financial counselor who can help you find a balance in saving for retirement and saving for your first home at the same time.

 - Am I ready for the responsibility?  Owning a home is a huge responsibility.  With rentals, you can call your landlord to fix things that aren’t working in the home, but as an owner, it’s all up to you.  You need to be sure that you have the time, willingness and resources to keep up with home and yard maintenance.

Sandra Nickel and her Hat Team of professional Realtors at Homes for Sale in Montgomery AL can assist you in the process of determining if you are ready to purchase your first home.  Give them a call at 334-834-1500 and get started today!

4507 Middlefork Rd-Main Level Living on Quiet Cul-De-Sac!

by The Hat Team

4507 Middlefork Rd, Montgomery AL 36106

MLS# 431824

4 bedrooms | 2 baths | 2,051 square feet | Heatherton Heights

It says Heatherton but it feels like Young Farm...this house is located on a quiet cul-de-sac and has a BIG open feeling. Large home with formal dining room. Kitchen/breakfast room open to large great room with fireplace. Main bedroom suite features double vanity area, garden tub, separate shower and large walk in closet. Three more bedrooms and a separate office are split on the other side of home for easy living. Convenient half bath near Great room. Double attached garage with storage area. fully fenced backyard with covered area for cook outs. Great layout with lots of closet space. Please give us or your favorite agent a call to see today.

Marketed by Montgomery AL Realtor Frank Powell, Sandra Nickel Hat Team!

2941 Willow Lane Dr - Move-in Ready Forest Hills Gem!

by The Hat Team

2941 Willow Lane Dr, Montgomery AL 36109

MLS# 432958

3 bedrooms | 2 baths | 1,237 square feet | Forest Hills

If you are looking for quiet neighbors, this just might be the house for you! You won't hear a peep out of your back yard neighbors because this home backs up to beautiful and historic Greenwood Cemetery! And, this home has just been refreshed and updated to include new roof, new paint inside and out, new floor covering throughout, updated kitchen with new appliances, and two refreshed and updated bathrooms. Floorplan that so many buyers are looking for today provides large living room that is open to kitchen and dining areas. Large fenced back yard has ample patio and nice shade trees for staying cool in the summer. This Forest Hills gem is ready to move into and priced RIGHT, so call your favorite real estate agent today for a first look!

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

3514 Prince George Dr. - Spacious Home in Desirable Dalraida!

by The Hat Team

3514 Prince George Dr, Montgomery AL 36109

MLS# 431423

4 bedrooms | 2 baths | 2,179 square feet | Hillman Heights

Step right in to find a large family room with fireplace, hardwood floors and built-ins to store your books. Just off the family room is the dining room where you can wine and dine family during the holidays. The galley style kitchen features updated granite counter tops, new cabinets and separate breakfast area. All your bedroom furniture will fit perfectly in the spacious bedrooms. Covered patio off den in the fenced yard where you can sit enjoy the kids playing. Call us or your favorite agent to view today.

Marketed by Montgomery AL Realtor Frank Powell, Sandra Nickel Hat Team!

Buying is Better than Renting: Here’s Why

by The Hat Team

With interest rates still relatively low, buying a house right now is less expensive than renting in many places, including Montgomery, AL.  Now is a great time to lock into a rate.

Buying is often considered to be financially better than renting over the long run because your mortgage payments build equity in your home, which you will eventually own, while rent only goes toward the upkeep of your home and the pocket of your landlord. That is just one reason buying is better than renting.  Here are some others:

  • You can do what you want with your property. Making home improvements will be your choice…from colors to paint the walls to light fixtures to types of floors, you won’t need permission from a landlord to make changes.
  • Tax benefits. Tax Deductions are a great perk of home ownership.
  • Stable monthly payments. Rents can go up, but with a fixed-rate mortgage, your monthly payments won’t change.
  • Forced savings.  Renting might seem less expensive, but would you actually save the money you don’t spend on rent?  Since your mortgage payments are building equity in your own home, which you can later sell for profit, it’s like a forced savings.

Using a Rent vs But Calculator you can see how buying is a better financial option right here in Montgomery.  For example, after 4 years, the cost of homeownership (down payment, mortgage, taxes, etc.) for a $150,000 home in Montgomery would be $94,094.  The total cost to rent the same house for that period would be $52,193.  Renting would leave you with $41,901 in your pocket (including the money you didn’t spend on a down payment).  So, it looks like renting would be better financially, right?  But wait…not so fast.  Let’s look at what you gain over the same 4-year period if you buy.  After 4 years, your home will have $70,371 in equity. However, if you instead rent and invest your down payment and the other money you save at a 6% return rate, it will earn around $8,351 in 4 years.  So, if you look at your gross costs, equity and investment potential, it’s better for you to buy than rent if you plan to live in your home more than 3 years and 3 months.

The bottom line is, if you’ve been thinking about buying a home in the Montgomery area, don’t wait!  Start investing your money in your own home vs that of a landlord today!

Contact Sandra Nickel and her Hat Team of professional Realtors at 334-834-1500 and let them help you find your dream house today!

2043 Hazel Hedge Ln - Spacious Home in Sought After Location!

by The Hat Team

2043 Hazel Hedge Ln, Montgomery AL 36106

MLS# 429320

3 bedrooms | 3 baths | 2,001 square feet | Hazel Hedge

Downstairs main bedroom!!! Sought after location near Cloverdale in Midtown Montgomery!! Sophisticated decor with wonderful color and texture. Great party house that has lots of room to entertain. 24X13 great room open to lovely courtyard. Formal dining with two china closets. Kitchen open to great room. Very spacious. Also, there are 2 bedrooms, 2 full baths upstairs plus a bonus room that could contain your office or exercise room. You must get inside this fabulous house to see the full value. Call us or your favorite agent to see today!

Marketed by Montgomery AL Realtor Frank Powell, Sandra Nickel Hat Team!

1164 S McDonough St, Montgomery AL 36104

MLS# 431287

3 bedrooms | 2 baths | 3,064 square feet | Garden District

Normalcy Is SO Overrated! She was never very practical, they said. She lived with her head in the clouds and followed her dream-filled heart in her decision making. And because they were always attended by an unexpected assortment of characters, her parties were the most sought after invitations in town! If YOU’D like to be that lady (or man) and escape the ordinary, here’s your chance: a bona fide 1917 firehouse in Midtown Montgomery—complete with pole—extravagantly converted to a home that’s been the talk of the town and repeatedly featured in national media. Firehouse Nine awaits your visit… bring your own fire truck!

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

 

                                                                                                                                         

 

3520 McGehee Place Ct S, Montgomery AL 36111

MLS #431354

3 bedrooms | 2 baths | 1 half bath | 3,653 | McGehee Place Estates

You truly will not believe the space in this McGehee Place patio home! Encompassing over 3,500 square feet, it includes a large living room with built-in display cabinet for all your collectibles, an open dining room perfect for dinner parties and family meals, and a gathering room between living room and sunroom. This great hang out space is open to the spectacular kitchen with huge center island and the most unique granite you have ever seen. Light-filled sunroom overlooks private deck/courtyard with ample room for entertaining. If you are an artist or are just crafty, you will love the studio with built in work spaces and cabinets to spare. Plus, above the two-car garage is an additional walk-up bonus room that would make great guest quarters. Both guest bedrooms have walk-in closets, and master has double walk-through closets, separate vanities, big walk-in shower and separate tub. Quiet neighborhood in Midtown Montgomery with park and gazebo and great neighbors!

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

 

Tips for Protecting Family Heirlooms

by The Hat Team

Family heirlooms are treasures that evoke memories of the past and hold great sentimental value.  Keeping them safe and well preserved is important. There are many kinds of keepsakes. What may seem not very special to one person, might be the most cherished of items to another.  The following tips will help you preserve them and keep the memories alive:

Paper Documents

Don’t make the mistake of keeping precious papers in a box somewhere. Paper is vulnerable to crumbling and fading if it is exposed to too much light, heat or moisture.  You can keep documents safe by placing them in acid-free envelopes or folders.  When you want to look at them, make sure your hands are clean and dry. Avoid using lotion on your hands if you know you are going to be handling paper heirlooms.  Three ring binders are excellent for keeping documents organized and safe.  Keep them in temperature-controlled parts of the house to avoid deterioration due to heat and moisture.

Books

Like paper documents, books need to be kept away from heat, bright light and anything highly acidic.  If you want to keep a book pristine, interleaf the pages with acid-free tissue paper.  If you keep favorite books on a shelf, make sure it is not exposed to too much sunlight.  They will fade over time but keeping them out of harsh conditions will make them last longer.

Photographs

Many people have photographs stored in old-school albums where they are stuck on the pages by adhesive. Unfortunately, many of these old albums are not acid-free and will cause the photographs to deteriorate and fade over time. To preserve them, remove them from these albums and place them in PVC-free plastic sleeves, which can then be placed in binders.  If you are lucky enough to still have the negatives from old photos, keep them safe so that you can replace pictures if they are destroyed or lost.

Textiles

When preserving textiles such as quilts, wedding dresses, baptismal gowns or antique linens, you want to make space for flat storage.  It’s vital that you keep them in an acid-free box and in an area free of pests.  If you get them cleaned and pressed, make sure starch isn’t used because bugs will attract bugs. Make sure your hands are clean and free of lotion when handling your cloth heirlooms.  Do your research and get professional advice on how to clean them before storing.

Regardless of what kind of treasure you are attempting to preserve, it is advisable that you never store them in the attic or basement. Extreme temperatures and humidity will harm stored artifacts.  Keep your boxes and binders of family heirlooms in a closet or on a shelf in your temperature-controlled living space.  Make sure they are out of direct sunlight.  Not only will this keep them safer and preserve them longer, but it will also make it easier for you to get them out to look at when you want to take a trip down memory lane!

Sandra Nickel and her team of professional Realtors can help you find the perfect home to start making your family memories in! Give them a call today at 334-834-1500!

Photo credit: familytree.com

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