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Montgomery Homes For Sale: 428 Derby Ln

by The Hat Team

Montgomery Homes For Sale:

428 Derby Ln - Montgomery, AL 36109
MLS # 316165

Wonderful well-maintained County Downs home!

Traditional layout with large living and dining rooms, kitchen with family style breakfast room, and spacious den/family room with vaulted ceiling and fireplace. Originally 4 bedrooms, current owners removed wall between back 2 bedrooms and made one LARGE bedroom for grandchildren (could easily be converted back to 2 separate bedrooms, making 4 total!) Big master with split master bath and 2 walk-in closets. Out back enjoy a covered patio, large open patio, and beautiful sparkling pool with plenty of decking. Attached 2 car carport and additional pad provides plenty of parking. Recent updates make this home ready to move into (and one of the best deals in County Downs!)

Marketed by Montgomery Alabama Realtor Sandra Nickel, Sandra Nickel Hat Team.

 

Montgomery Homes For Sale: 2426 Wentworth Dr

by The Hat Team

Montgomery Homes For Sale:

2426 Wentworth Dr Montgomery, AL 36106
MLS #316082

Great layout for a family!

What family would not love the space in this home...THREE separate living areas, split bedroom plan, and wonderful lanai and in ground swimming pool! Calming courtyard with Koi pond greets you as you approach the entry. Nicely updated, you can certainly spread out in this uniquely designed home. And, if you like to entertain, WOW does this place fit the bill! Great flow, wet bar, and space galore inside and out. Conveniently located in Vaughn Meadows, minutes from I-85, shopping, dining, and great schools.

Marketed by Montgomery Alabama Realtor Sandra Nickel, Sandra Nickel Hat Team.

 

Montgomery Homes For Sale: 3545 Southview Ave

by The Hat Team

Montgomery Homes For Sale:

3545 Southview Ave Montgomery AL 36111
MLS #315866

Bring your contractor and dream big!​



This Edgewood home has good bones and sits on a LARGE lot, and needs a total rehab! Spacious rooms and downstairs design affords rehab without moving a lot of walls, with space for a master suite down. Detached guest apartment behind carport has full kitchen, living, dining and separate bedroom/bath areas. Extra deep lot has much potential.

Marketed by Montgomery Alabama Realtor Sandra Nickel, Sandra Nickel Hat Team.

 

Montgomery AL Home For Sale: 1731 St Charles Ave

by The Hat Team

Montgomery AL Home For Sale: 

1731 St Charles Ave, Montgomery AL 36107
MLS# 315787

Capitol Heights Bungalow Full Of Character!

1731 st charles ave
Check out this charming Capitol Heights bungalow complete with the lions on the front porch! From the wonderful hard wood floors and wide central hallway to beautiful crown molding and antique door knobs and locks that work, this home is full of character. And for the updates: the HVAC is new and heavy insulation has been blown in the attic and a Swarovski Crystal chandelier in the dining room.

Marketed by Montgomery AL Real Estate Experts Sandra Nickel Hat Team REALTORS!

 

Montgomery Homes For Sale: 2963 Old Farm Rd

by The Hat Team

Montgomery Homes For Sale:

2963 Old Farm Rd. Montgomery AL 36111
MLS #315731

Designer Custom Townhome!

2963 old farm road

Here's your chance to own a custom town home designed by noted Montgomery architect! Brimming with character, this contemporary townhouse has open spaces, soaring ceilings, and lots of natural light. Downstairs study/library with beautiful built-in bookshelves is adjacent to a full bath and spacious closet, and could easily be used as a downstairs bedroom suite if necessary. Two bedrooms upstairs share a large bath, and current owner enclosed a balcony off the master bedroom to make a 2nd floor sunroom overlooking the New Orleans-style courtyard. Rear access from alley to 2 car carport with additional storage. Covered breezeway from carport to back door means never having to get in the elements.

Marketed by Montgomery Alabama Realtor Sandra Nickel, Sandra Nickel Hat Team.

 

Montgomery AL Real Estate For Sale: 1860 Cobbs Ford Rd

by The Hat Team

Montgomery Homes For Sale:

1860 Cobbs Ford Rd, Millbrook, AL 36111
MLS #315708

Great Business Space!

Current use Auto sales! Approximate 500 sq.ft. heated and cooled. 3 room office, 2,000 sq. ft heated showroom, 3,500 sq. ft. heated shop, half bath in shop area also half bath off showroom area. Two roll up doors to shop. Showroom has fold out glass doors.  Includes security System, fixtures/furniture, display window.

Marketed by Montgomery Alabama Realtor Sandra Nickel, Sandra Nickel Hat Team.

Montgomery AL Real Estate For Sale: 191 Canyon Rd

by The Hat Team

Montgomery Homes For Sale:

191 Canyon Rd Wetumpka, AL 36092
MLS #315697

Contemporary Style Home in the Foothills of Blue Ridge!


California contemporary in the foothills of Blue Ridge!  Current owner bought from original owner in 1978!! Home has not been offered for sale or on the market for 37 years! Rustic wood and stone exterior with plenty of floor to ceiling glass. Stone fireplace with gas insert! Long lasting metal roof. Decks surround the living area of house. Needs kitchen, bath, carpet and paint updates. If you are willing to do some updating you could have a showplace convenient to Montgomery or Wetumpka! Still verifying lot size, owner thinks between 1 to 1.5 acres.

Marketed by Montgomery Alabama Realtor Sandra Nickel, Sandra Nickel Hat Team.

 

Montgomery AL Real Estate For Sale: 2467 Wildwood Dr

by The Hat Team

Montgomery Homes For Sale:

2467 Wildwood Dr Montgomery, AL 36111
MLS #315552

Stunning McGehee Estate’s Home! 

Wonderful family home on a beautiful lot in one of Montgomery's most desirable neighborhoods. This lovely McGehee Estate's home has room to spread out and lots of privacy - every room has its own bath plus a separate guest house. Entertaining is a breeze with the open floor plan, updated kitchen with high end appliances, wet bar and French doors that open on to the patio from the kitchen, dining room and master. Master has a sitting room/office/study, three walk-in closets and huge bathroom with separate his and her baths. Don't miss the huge laundry room with half bath and locked storage closet. This is a great home waiting for its next big family to enjoy!

Marketed by Montgomery Alabama Realtors, Sandra Nickel Hat Team.

Montgomery AL Real Estate For Sale: 341 Winthrop Ct

by The Hat Team

Montgomery Homes For Sale:

341 Winthrop Ct, Montgomery, AL 36104
MLS #315478

Stunning Renovation in Garden District!

Incredible Craftsman style renovation on one of the Garden Districts best kept streets. Beautiful reclaimed columned mantle greets you upon entry into large formal living room with built in book cases. Gas logs for cozy nights by fireplace. Huge formal dining adjoins with widows on two sides with lots of sunlight. Three nice sized bedrooms and refinished floors will be the perfect complement to your furnishings. You will enjoy 18 inch hard tile flooring in kitchen as well as almost new appliances, cabinets, granite counter-tops, tile back splash, flush can lighting, bead board wainscoting and ceiling. Wonderful eat-in area off kitchen is conveniently located next to French doors to covered area perfect for cook outs. Back deck has commanding view of treed and private rear yard. Stunning main bathroom will wow you with nice fixtures, hard tile floor, vaulted ceiling, jetted tub and unique antique vanity with double sinks. Almost forgot to mention a real front porch for sitting and watching neighbors pass. Current owner has added a spacious detached out building that matches house for all your outdoor and yard things. Seize the opportunity to buy that rare vintage home with all the new things you would want in an old one. One year warranty included. Easy to show! Give us or your favorite agent a call today!

Marketed by Montgomery Alabama Realtor Sandra Nickel, Sandra Nickel Hat Team.

Is Your Credit Score a Big Deal?

by The Hat Team

Is your credit score a big deal? If you want to buy a home, it’s a huge deal!

Your credit score will determine if you can get a loan. It will also determine how much you can borrow and what your interest rate will be! To buy a home with a mortgage loan you must have a strong credit score.

credit scoreThere are three primary sources for credit scores in the US: Equifax, Experian and TransUnion. They all use the FICO system. These are the most used sources by creditors.

FICO developed the computer software the major credit scoring companies use. FICO scores range from 300 to 850. However, many creditors consider 500 to be the bottom of the acceptable range.

Your score is a measure of your credit-worthiness and determines the interest rate that you will pay for a loan. It’s not unusual for a creditor to obtain all three of the major scores and average them. A very good score is 700, and an excellent score in 750.

The primary factors that determine your score are:

  • payment history (35%)
  • debt/amounts owed (30%)
  • age of credit history (15%)
  • new credit/inquiries (10%)
  • mix of accounts/types of credit (10%)

65% of the total score is determined by only two factors: payment history and amount of debt owed. You must have a good history of paying your bills on time. And you must be very careful about how much debt you have relative to your income!

That last point is extremely important when borrowing for a home mortgage. As of 2014 the federal regulations governing mortgage lending have changed. Borrowers can no longer carry total debt of more than 43% of gross annual income, including the mortgage debt! Lenders are going to be very strict about adhering to that ratio. There are serious consequences for the lender not doing so.

Many actions you take affect your score. Most people don’t think about:

  • unpaid medical bills and parking tickets can lower your credit score
  • heavy credit use can lower your score, even if you pay large balances off in full in a short time
  • credit scores drop if you sign up and use store cards for initial discounts

For more advice about managing your credit, click here.

Looking forward to buying a home? Educate yourself, manage your credit score, and know your credit score before your lender does.

Information courtesy of Montgomery AL Real Estate Experts Sandra Nickel Hat Team REALTORS!

Displaying blog entries 71-80 of 398

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