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221 Bowen Bend, Wetumpka AL 36093 - Spacious Home in Desirable Mitchell Creek Estates!

MLS# 426987

4 bedrooms | 2 baths | 1,634 Square Feet | Mitchell Creek Estates

Welcome to desirable Mitchell Creek Estates! Nestled in the curve on a quiet street you will find this lovely 4-bedroom, 2 bath brick home in pristine condition in REDLAND ELEMENTARY school district. The spacious great room has beautiful hard wood floors and a wood burning fireplace. The recently updated kitchen has beautiful granite, designer back splash, breakfast bar and side by side refrigerator. The best part might be the outdoor living space with screened porch, deck, huge flat yard, and the 27-foot diameter above ground chemical free ionized POOL that is easy to maintain and care for. Perfect for parties for the kids, entertaining friends or just relaxing after work. Plenty of storage in attached carport and detached storage building. Just minutes away from East Montgomery, I-85 and qualifies for the USDA loan program.

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

221 Bowen Bend Wetumpka AL

 

 

1323 S Court St, Montgomery AL 36104 - Beautiful Bungalow in Historic Garden District

MLS# 428305

2 bedrooms | 1 bath | 1 half-bath | 2,210 square feet | Garden District/Cloverdale

Located just one block from the AL Governor’s Mansion in Midtown Montgomery, the charm and character of this 1920's home is sure to impress! Brick arched front porch welcomes you into spacious living spaces. Large living room boasts period lighting, high ceilings, fireplace, and beautiful dentil molding. Bright sun room off the living room makes a great multi-purpose space and could serve as a third bedroom if needed. Big family style kitchen has plenty of cabinets and counter space. Main bath has wonderful original porcelain tub, updated vanity and a separate walk-in shower. Rear entry area is perfect mudroom/utility room and has one of the coolest service sinks you will ever see. Back yard is plenty big and has a driveway off the side street, Linden, and a detached one car carport. Priced right and just waiting for a new owner. Current zoning also will allow for this home to be used as an office.

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

Using a Gift as a Down Payment - What You Need to Know

by The Hat Team

Coming up with the money needed for a down payment on a house is not easy for many people.  Some are lucky enough to have someone (or several people) give them cash as a gift to go towards purchasing a home.  No doubt, that is a wonderful thing!  But there are guidelines that must be followed when using financial gifts for your down payment.

Using gifted funds to buy a home is not as simple as it sounds.  First, the money can’t come from just anyone.  Lenders want the money to come from a family member, such as a parent, grandparent or sibling.  You can also receive gifts from your spouse, domestic partner or significant other if you’re engaged to be married.

You may or may not be able to use gifted money for your entire down payment. It depends on the type of loan you are seeking.  If you are taking out a conventional loan, all your down payment can come from a gift, if you are putting down 20 percent or more.  If you are putting down less than 20 percent, you must include some money of your own.  With FHA and VA loans, the entire amount can be gifted unless your credit score is less than 620, in which case you will have to come up with 3.5 percent of the down payment yourself. No matter what type of loan you apply for, you can only use gifted funds to purchase a primary residence or a second home.

In addition to there being restrictions about who can give you money, you will also have to prove that the money is a gift.  You will need to provide a gift letter that includes the name of the donor, their relationship to you, the date and amount of the gift and a statement that says the money is given with no expectation of repayment.  Both you and the donor must sign the letter. 

While it’s not necessary, it is a good idea to have the gift in your bank account prior to applying for a loan. That way when your lender looks through your bank statements for the previous few months, they will already see documentation of the gift.

If someone has given you money to go toward a down payment, Sandra Nickel and her Hat Team of real estate professionals can help you find your dream house.  Give them a call today at 334-834-1500!

http://www.homesforsaleinmontgomeryalabama.com/Blog/Guide-for-First-Time-Home-Buyers-5-Steps-to-Get-You-Started

http://www.homesforsaleinmontgomeryalabama.com/Blog/Defeat-Debt-and-Become-a-Homeowner-in-2018

http://www.homesforsaleinmontgomeryalabama.com/Blog/Dont-Be-Deceived-by-Real-Estate-Myths

Montgomery AL Home for Sale:

460 Caldwell Pl, Montgomery AL 36209

MLS# 428206

2 bedrooms | 2 baths | 1,501 square feet | Dalraida

This pristine patio home in desirable Dalraida is just what you have been looking for. Great for entertaining, it has a formal dining room, large kitchen with sunny breakfast nook AND a breakfast bar! Spacious living room has high ceilings and gas log fireplace, and plenty of wall space for furniture and art. Split plan has private guest bedroom and bath at the front of the house, and large master bedroom at the rear. Master bedroom has plenty of closet space, and newly installed French doors leading to private courtyard. Master bath has garden tub, separate walk-in shower, and double vanities! Out back, you will enjoy a covered patio, and storage galore with an attached storage room and a detached storage building! Private drive allows rear access to off-street parking. Roof was replaced about a year ago, so that is something you will not have to budget for, for many years to come! New laminate flooring throughout most of the house is great for allergy sufferers who can’t deal with carpet, and perfect for indoor pets! Call us or your favorite agent and don't miss out on this one!

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

 

Midtown Montgomery Home for Sale:

850 E Edgemont Ave, Montgomery AL 36111

MLS# 426935

4 bedrooms | 2 baths | 1,846 square feet | Cloverdale

This lovely home is move-in ready with beautiful hard wood floors (no carpet!), two tiled fireplaces, all new light fixtures, cedar closets and smooth ceilings. The fabulous updated kitchen has granite counter tops, a large island and stainless appliances. Both bathrooms have been renovated with tiled showers. The large room off the dining room could be a great master bedroom or even a family room. Situated on a nice corner lot, there is a huge back yard and new deck. Conveniently located in Midtown Montgomery, it is walking distance to Cloverdale Bottom Park, restaurants and entertainment. Come see it today!

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

Midtown Montgomery Home for Sale:

1536 Gilmer Ave, Montgomery AL 36104

MLS# 426842

5 bedrooms | 4 baths | 1 half bath | 3,780 square feet | Cloverdale

Conveniently located in Midtown Montgomery and situated on an estate lot in one of the most desirable blocks of the Garden District, this lovely home is looking for its next family to love and care for it. Just some of the special features include beautiful hardwood floors throughout, pretty crown moldings, two wood burning fireplaces with marble mantles and lots of built-ins. Downstairs room was converted into a master suite with large bath and huge walk-in closet, or master could be upstairs with a wonderful dressing room. Recent renovations have been made to three of the bathrooms as well as the kitchen and butler's pantry with wet bar. If you enjoy being outdoors, there is a wonderful covered porch, brick patio, storage barn and a gorgeous private yard with sprinkler system. Great house for entertaining, the kids will want to invite all their friends over to play. Come check it out today!

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

 

 

The Potential Cost of Skipping a Home Inspection

by The Hat Team

With all the fees and expenses involved in purchasing a home, it may be tempting to skip the  home inspection to avoid spending the money.  But in the long run, it may cost you more to skip it.  Home inspections sometimes reveal things that ultimately could have cost you way more than the fee involved.

While you might believe that sellers are being honest about the condition of the home, it’s important not to take their word for it.  Truthfully, they probably are being honest.  But they don’t necessarily see what could be “wrong” with the house any more than you do.  That’s why you need an expert to come in and do the inspection. They can find things that never would be noticed by the naked eye because they know what to look for. Home inspectors can also give you advice and things to look out for in the future. With that information, you can have an idea of how to prepare for potential costs down the road.

A home inspection can be a deal breaker as well.  For example, if sellers offer a discounted price or cash back for skipping the inspection, walk away from the deal.  This is a huge red flag!  A home inspection only takes a few hours and is paid for by buyers, so there is no reason sellers should protest unless there are critical issues in the home they know about and are trying to hide.

When hiring a home inspector, you want someone with many years of experience and proper certifications and licenses. You also want someone who will be thorough…willing to go through the basement, attic and up on the roof to check out every nook and cranny of the home.  It’s important to gather as much information about the house as possible so that you know what you are getting in to.

It is not mandatory for you to be present for the inspection, but it’s a good idea to be there.  Some inspectors are happy to have you walk along with them and ask questions as you go.  Others will want to do the inspection on their own and then have you do a walk through with them after they are done.  Either way, be sure to look carefully through the report they give you and ask as many questions as you want.  Remember that you are paying for their time, so don’t hesitate to have them go over the report with you so that you have a clear understanding of it.

Even if your inspection comes up clean, the fee you pay is worth the price to have peace of mind. Include it in your home-buying budget and don’t think of it as an “extra” expense.  It is a crucial element of your decision in purchasing the home and paying a $450 fee and finding nothing wrong is better than skipping it and ending up having to spend thousands to repair something! 

http://www.homesforsaleinmontgomeryalabama.com/Blog/Guide-for-First-Time-Home-Buyers-5-Steps-to-Get-You-Started

http://www.homesforsaleinmontgomeryalabama.com/Blog/The-Top-Features-to-Look-for-When-Buying-a-House

http://www.homesforsaleinmontgomeryalabama.com/Blog/Dont-Be-Deceived-by-Real-Estate-Myths

Titus AL Home for Sale: 225 Stoney Point Rd, Titus AL 36080

by The Hat Team

Titus AL Home for Sale:

225 Stoney Point Rd, Titus AL 36080

MLS# 426495

3 bedrooms | 2 baths | 2600 square feet | Lake Jordan

This picture- perfect house sits on 1.82 acres of private woods and professionally landscaped yard complete with a sprinkler system and a well. The living space has an open floor-plan and there's plenty of room for all your family and friends to hang out. Walk out on the huge screen porch that has a spectacular view of big water. There are double docks and water has been dredged all the way up to dock closest to the house. Walk right in and begin your life on the lake as soon as you get the key!

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

 

 

Guide for First Time Home Buyers - 5 Steps to Get You Started!

by The Hat Team

Buying your first house is a monumental milestone in life.  It’s likely the largest financial commitment you will have made up to this point.  You want to get it right.  Here is a basic overview of five essential things you need to know when taking this step.

- Hire a Realtor.  Having an agent will save you time.  They can send you listings directly from the MLS that fit your wants/needs and you won’t waste time looking at properties that might already be under contract. Realtors are also often aware of new listings that are not yet on the market.  And while house hunting, there is no point in wasting your gas when an agent will pick you up and provide transportation.  The advice you will receive from a qualified Realtor will be invaluable in the buying process.

- Figure out what you’re looking for.  Searching for the right home can be overwhelming, especially if you’re not even sure what you want.  Come up with a list of must-haves and desires that you can present to your Realtor so that they can provide listings that fit those parameters.

- Get a loan.  It is smart to get loan preapproval prior to making an offer on a house…especially in a seller’s market where you may be competing with other buyers. Sellers want assurance that you will be able to complete the purchase of the home.

Negotiate the offer. Don’t make the mistake of comparing the sale price to other homes you have seen because the truth is, sellers can ask any amount they want for a house.  Your agent can provide you with comparable sales of similar houses in the same condition and location over the past few months. Keep in mind that you may have to pay more than the list price in a seller's market.

- Do a home inspection. Some states will allow you to have a home inspection prior to making an offer on a home. In other states, the inspection becomes a contract contingency, meaning the buyer has the right to cancel the contract.  Either way, you don’t want to get locked into purchasing a home that has a faulty foundation, for example.

Remember, you don’t have to do this alone! Contact Sandra Nickel and her Hat Team of professionals at Homes for Sale in Montgomery Alabama to help you find your first home today!

http://www.homesforsaleinmontgomeryalabama.com/Blog/Defeat-Debt-and-Become-a-Homeowner-in-2018

http://www.homesforsaleinmontgomeryalabama.com/Blog/Finding-Your-Dream-Home

http://www.homesforsaleinmontgomeryalabama.com/Blog/The-Top-Features-to-Look-for-When-Buying-a-House

 

Midtown Montgomery Home for Sale:

2340 College St, Montgomery AL 36106

MLS# 424670

4 bedrooms | 3 baths | 2,448 square feet | Cloverdale

Don't be fooled by look of this charming Midtown Montgomery cottage - it's actually a 4 bedroom, 3 bath split level! Located on a large lot in the heart of Old Cloverdale, this is only the second time this unique property has been on the market. Formal living room with beautiful marble fireplace, formal dining room with two built-in corner cabinets, recently updated kitchen with tiled counter tops, stone back splash and stainless appliances plus a built-in for the perfect spot for family and friends to gather. There is plenty of room to spread out with the upstairs family/rec room and the lower floor den/study. Lovely brick patio off the lower floor and large nicely landscaped back yard. Don't miss this rare Cloverdale opportunity!

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

 

Displaying blog entries 531-540 of 612

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