Tuesday, July 2, 2013

Did you know that Madison Alabama has been named one of the Family Circle’s 10 best town for families?

Madison, AL is ranked #7 on Family Circle’s top ten lists of best towns for families.  Having the Space and Rocket Center, Redstone Arsenal, and other high tech firms providing so many jobs leading to engineering positions and other technologically savvy careers it translates to academic camps, Robotics classes, math bowls and engineering design competitions as early as elementary school.  There are also plenty of opportunities for fun, from street festivals to free summer concerts in different locations across the area from Huntsville to Madison. It goes on to describe the area as “a town that thinks creatively”
Want to find things to do in Huntsville/Madison, AL stop by the following sites: 



Monday, April 1, 2013

Does your home have a few Cosmetic Needs?

Whether you are planning to sell or just bought your home there is the strong possibility that you will at some point need to paint your home. 

When selling your home you want to ensure that others can see themselves in your home and you want your walls to be neutral colors like eggshell NOT something loud and specific to taste like neon yellow or like our example orange with circles and peace signs, that others would find hard to see themselves in. If the Seller has done a good job finding neutral colors it makes finding a Buyer who can feel at home and imagine other colors on the walls, their pictures and their "stuff" easier. If a buyer feels at home then they in turn become emotionally attached to the home and more likely to want to buy the home. 



As a buyer, you are looking for good deals and sometimes those good deals come with good structures but not so pretty of a package.This is true often with foreclosures and short sales or homes of distressed owners. Don't let walls like these deter you from getting a good house. It isn't anything a little paint can't fix. Paint is used to set the mood in the house, and make spaces appear bigger, feel cozier, and brighten our lives.   


Take a look at this nifty paint calculation. Put in the heights and lengths of your walls to find out just how much paint you will need. You will never have to return to the store a second time to get a second gallon or quart of paint.

 

Paint Calculator

You've picked your color, but how many gallons will you need for your room? Calculate the wall area of the room; you'll need one gallon for 450 square feet.

To determine the wall area, multiply the height of each wall by its width (don't subtract for doors and windows unless they take up more than half the wall); total the figures for the walls. Add 10 percent for future touch-ups. For two coats, double the number.

























Thursday, March 28, 2013

Want to know what your Mortgage Payment will Be??



Click HERE to see your what YOUR estimated mortgage will be.

Nothing will compare to getting pre-approved by a mortgage lender but if you are thinking about buying this will just give you a general idea of what your estimated payments will be. Keep in mind your down-payment which varies.

Wednesday, March 27, 2013

Curb Appeal: Budget Friendly Tips to Boost Buyers



      VS.     

Sometimes all it takes to turn off a buyer in Huntsville, AL is the outside of your home—faded and peeling paint, neglected landscaping and weather-worn furniture say to buyers “if the outside is neglected, you should see the inside…” automatically turning away your chance to sell your home for its top dollar and driving away buyers before they ever consider walking through the door. Just because you may see your home at its best, it never hurts to take a good hard look at what your curb appeal is doing to help or harm your home-selling efforts.

There are some simple steps you can take to improve the look of your home. A well-maintained exterior says to buyers that the home is cared for and they will assume that this applies to the entire house—even the parts that aren’t so easy to see.

Consider a neutral assessment

To see what others see when they approach your home, park across the road and take a good hard look at your home. What stands out? Is there a specific feature that you can emphasize, or a negative aspect that may need to be downplayed? Is your yard neat and tidy or do you see areas that need to be trimmed, straightened or cleaned? Try to think as a potential buyer would—not as you prefer.

Make budget-friendly improvements

Any improvements you make to your home should provide at least a bit of return in your equity—or help buyers justify your asking price without a lot of haggling.  So if you can’t afford drastic changes, even subtle ones can make a big difference.

    Swap out an old front door, or just change the hardware if you are watching your pennies
    Update old mailboxes, door knockers, and house numbers
    Paint dingy or tired surfaces—a coat of paint can do wonders
    Wash dirty porches or siding to remove any stains or mildew
    Mow the grass regularly
    Remove any weeds from sidewalk cracks

If you have more money at your disposal, consider fresh landscaping, and add low-voltage lighting to provide a soft glow for evening shoppers.

With so many homes on the market today, it is essential to create an environment that makes your home stand out against the rest—proving to buyers that they will not only be purchasing a move-in ready residence, but that they are getting the biggest bang for their home-buying buck.

Monday, March 25, 2013

Ready to purchase a home?


Is Your Financial House in Order?  There are many great loans with little or nothing down are available to home buyers, you need to have good credit.  For at least one year prior to purchasing a home, you should assure that every credit card bill, rent check, car payment and other debt is paid in full and on time.  The next step is to…


  1. Find a Realtor; ask friends and family for a referral. 
  2. Start the loan process by getting pre-approved.
  3. Start visiting homes in your price point.
  4. Choose your home.
  5. Secure financing
  6. Make an offer.
  7. Order your home inspections.
  8. Select an Insurance company to insure your home.
  9. Proceed to closing.
  10. HOORAY!! You are now a home owner.     

        

Mortgage interest



In general, you can deduct interest charged on a loan used to acquire or improve your principal residence in the year that it is paid. In the early years of a loan, most of your monthly payment is interest, so this can really add up.   If you itemize on your taxes you are eligible to write off the interest you have paid on your home loan for the tax year.  The amount paid is 100% deductible from your tax liability.  This is truly nothing more than a subsidy to home owners, and it's a very popular deduction.