Friday, September 28, 2018
This 4 Bedroom 2508 Sq. Ft. home in Lakeland Subdivision subdivision Loxley AL. 36551 Resort style living with boat launch on community Lake, pool, and clubhouse. This home has stunning features like the gorgeous Granite countertops in the kitchen, wainscoting in the dining room, octagon trey ceilings with crown molding in the master and great room. Imagine entertaining your friends in the spacious back yard and on the covered back porch grilling out on game day, or just chilling on the back porch enjoying nature and reading your favorite book. The kitchen has large cabinets with crown molding adorning them. The master bath has two walk-in closets, two separate vanities and sinks. It also has a deep garden tub and separate sit down or stand shower with a wide rain shower head and a water closet with door for privacy. All the doors in this home are carriage style and have brushed nickel lever door knobs. 5 and ¼ inch base board throughout the entire home including in the expertly finished two car garage. This home is located at 16094 Lakeview Dr. Loxley AL. 36551
Friday, March 9, 2018
2068 Graceland Ct Mobile Al. 36695 Home for Sale
Welcome to Graceland! A magnificent 4 Bedroom, 3 FULL Bath, 2 Car Garage, craftsman style brick home located in the highly sought after area of West Mobile. Upon entry you first notice the grand open floor plan with great natural light! There are hardwood floors throughout with ceramic tile in all wet areas. The kitchen has granite counter tops, stainless steel appliances, and plenty of storage space; with a island, eat at bar, and breakfast area. Off the formal dining room that is separated by beautiful columns are french doors that open up to the study/office. A big spacious master bedroom with master bath having dual sinks, soaking tub, separate shower, and over sized walk-in closet. A Mother-in-law suite with its own personal FULL bath. This home has a shaded lot professionally landscaped with privacy fenced backyard and a in-ground pool fenced in with beautiful wrought iron fencing. Some of the nice special touches in this home are the tray-ceilings with crown molding, rounded sheet rock corners, detailed paneled doors, recessed lighting, and a fireplace with brick detail and beautiful white mantel. This home is truly stunning.
Thursday, January 18, 2018
This beautiful home was one of John Howard's 2017 Parade Homes. Located in the new subdivision Maxwell Place, just 1/4 mile north of Airport on Snow Rd. GREAT LOCATION..close enough to shopping and restaurants but far enough away to enjoy peace and quiet.
4 BEDROOMS 2.5 BATHS
2,374 SQ FT AMENITIES GALORE
The soaring ceilings, fenced back yard completely sodded, double car garage, GE appliances, and designer lighting!! Click here to schedule a showing today!
Tuesday, January 16, 2018
MOVE IN READY
PRICE DROP!! ⬇️DOWN $4,000 😮😮 MOVE IN READY!!
FOR SALE IN WEST MOBILE!!. GREAT SCHOOLS!! BEAUTIFUL OAK FOREST SUBDIVISION 🏡4 BEDS 2 BATHS Over 2,000 SQ FT..Recessed Lighting, Crown Molding, Walk in Closet, Raised Ceilings, Back Deck...SO NICE AND CLEAN!
CLICK HERE! to get all the info you need to this MOVE IN READY HOME!
VIEW OF FENCED BACK YARD WITH DECK FROM LIVING ROOM WINDOWS REALLY OPENING UP THE SPACE
CLEAN PAINT JOB
CLEAN PAINT JOB
LOOK AT THAT NATURAL LIGHT !
WALK IN CLOSET
FENCED BACK YARD
SIT AND RELAX
TIME TO GRILL!
LOOK HOW CLEAN THE GARAGE IS!
NICE PAINT JOB
BEAUTIFUL SEPARATE DINING ROOM
Monday, January 15, 2018
GREAT NEW WEST MOBILE COMMUNITY
Located on Snow Rd just 1/4 miles North of Airport Blvd. This is a wonderful location, close to all your shopping and restaurants but still away from the hustle and bustle. BEAUTIFUL NEW BUILDS with John Howard Homes and Mitchell Homes. Lots available with multiple floor plans to choose from. This is a WIN all the way ... Great Schools! Great Location! Great Home builders! Don't miss out!
CLICK HERE to go straight to the website and check out the New Builds and Floor Plans.
Thursday, January 4, 2018
Located in Randlett Trace Subdivision!
3 Beds 2 Bath
Custom Style Trim
Open Floor Plan
Screened in Porch
Enjoy this conveniently located 3 bedroom, 2 bath home with lots of amenities. Great Location! to fabulous schools and shopping. Yard is large and well maintained with full sod! landscaping! and mature trees! Custom-style trim throughout including: around gas fireplace, in great room, chair rail in dining, and windows. This is an open floor plan with a large kitchen equipped with energy efficient appliances and a convenient peninsula separating the kitchen from a generous breakfast room. The breakfast room opens out onto a lovely screened in back porch, perfect for lazy mornings. Enjoy vaulted ceilings in great room and trey ceilings in master bedroom, a nice master bath, which also boasts generous counter space and a separate shower. You will love living in this home!
Saturday, December 16, 2017
For more info click on link 31216 Buckingham Blvd. Spanish Fort, AL. 36527
Home for Sale in popular Churchill subdivision of Spanish Fort. This custom built craftsman has added upgrades and features that venture beyond the choices of the surrounding new construction alternatives. From the curb, this 1.5 story home offers a courtyard entrance into an over sized two car garage and lights up beautifully at night with recessed lighting and custom color LED lights. Through the front door, is an open living / dining / kitchen combo that features a dream kitchen for the family chef. (Check out the instant hot water tap!) The open living area has custom shelving, hardwood floors, and surround speakers. The four bedrooms are all on the main level and are designed in a split floor plan. All the bedrooms feature hard wood flooring and are equipped with built in speakers for music listening and the Sentrilite light system (check out the Dim feature, lighting the path at night to the bathroom and kitchen). The home offers two bonus rooms, one adjacent to the master bedroom (which would make a great workout room or large office and a larger bonus room above the garage. The master bedroom offers an attractive escape from the day with custom pendant lights on either side of the bed and a gorgeous master bath with incredible tile details in the shower. The master closet has a custom designed organizer that has both shelving and hang up options. Also, throughout the entire house, every room has controllable recessed lighting. In the backyard, the screened back porch offers plenty of space for watching the ball game, sharing a meal, and listening to music. Extra bonus amenities include: a tankless water heater, extra foam insulation, and hurricane panels for windows. As you can see, no detail has been missed in this home! Neighborhood dues include maintenance for the community swimming pool and playground.
Friday, December 8, 2017
WHAT DO I DO FIRST WHEN APPLYING FOR A HOME LOAN?It is hard to know where to begin! You must first ask yourself many questions.Some of these are:
- How much can I afford to pay each month?
- Do I plan on keeping this house for only a few years or for a long period of time?
- Is a small payment a higher priority than paying the loan down quickly?
- Am I able to make a down payment?
- Over how many years do I want to pay a mortgage?
- Am I trying to purchase or refinance an existing mortgage?
- The larger the down payment, the better your options are for payment size, interest rate, and length of time to pay back the loan.
- A fixed-interest rate will tend to be higher than an adjustable rate.
- The longer the term of payback, the smaller the payment.
- The smaller your payment, the larger the amount that is going to interest.
- The more that you pay to interest, the slower that you are building equity.
- Fixed Interest Mortgages (FRM)
- Adjustable Rate Mortgages (ARM)
- a Hybrid ( some combination of the other two)
Conventional loans are further broken down into either conforming or non-conforming loans. To qualify as a conforming loan (or an A paper loan), it must fall under the guidelines established by Fannie Mae and Freddie Mac, corporations that have established industry standards and guidelines that govern credit requirements, down payment amounts and maximum loan amounts.
Once you have these general types down, you will still have to look at the individual features of specific loan types to determine which one will best meet your needs.
Your loan options can be limited by poor credit. A credit score is a system of points earned based on your credit history. This three-digit number (raging from 300 to 900) is influenced by such factors, among others, as:
- late payments
- debt to credit ratio
- total debt amount
- age of accounts (the older the better)
So, the bottom line: Start with your credit score; end with the specific loan type that is most appropriate to your needs.
ARE YOU ABOUT TO CLOSE ON YOUR HOME?
What costs should I expect at the loan closing?
At the loan closing, you will be required to pay your down payment and other various closing costs and fees. Most of the closing fees are paid by the buyer, but some of the fees are prorated, by date, to the seller and the buyer. In order to be prepared to pay the closing costs, you may request a Good Faith Estimate from the lender. However, the estimate often differs from the actual closing costs, so it is important to understand what to expect. Before you make long term decisions about the terms of your mortgage, such as locking in an interest rate, you should review the Good Faith Estimate to determine if there are hidden costs that may change your decision. Typically, total closing costs will be from 2-6% of your mortgage amount. Although the Good Faith Estimate is subject to change, under (RESPA) the Real Estate Settlement Procedures Act, you have a right to request a CD-Settlement Statement (one day before the actual settlement or closing). The CD-details the actual fees that will be required. It is important to review this statement to ensure that you agree with and understand all the costs and fees listed. At times, fees such as the application fee, credit report fee, or the appraisal fee may be required with the loan application before the closing. Certain fees vary from lender to lender, but generally, taxes, appraisals, credit reports and title insurance should be comparable for all borrowers. Sometimes, your fees may be included in the mortgage amount, depending on the terms negotiated. But generally, the buyer comes prepared to pay the related fees at the time of the loan closing.
COMMON CLOSING COST FEES ARE AS FOLLOWS:
Loan Origination Fee: a percentage of the mortgage (generally 1%), charged to set up and evaluate the loan application.
Application Fee: required by the lender to process your loan application, often required with the application, generally non-refundable.
Credit Report Fee: requested by the lender in order to evaluate your loan application (generally obtained from one of three major credit reporting agencies: Equifax, Experian, TransUnion).
Appraisal Fee: used to obtain an independent appraisal of the home to be mortgaged; the appraisal is a factor in determining the amount the lender will loan.
Survey Fee: may be required - verifies the legal position of the home on the property and ensures that there has been no encroachment on the property.
Title Search Fee: charged for a detailed search of the historical records related to a property to ensure that the seller is legal owner, that there are no liens, restrictive covenants, outstanding judgments or other claims against the property (A certificate of title issued as a result of a title search does not necessarily protect against hidden defects which did not show up in the search – often the lender will require title insurance for protection against such claims).
Title Insurance: often required by the lender for protection against hidden title defects; a lender’s policy only protects the lender – a buyer may also opt to purchase an owner’s title insurance policy.
Discount Points: optional payment to lower the interest rate (each point is 1% of the mortgage amount - $120,000 mortgage discount point would cost $1,200 and typically lower the interest rate by 0.125 percent).
Recording or Transfer Fees: a small fee charged to cover the paperwork to record the home purchase and transfer ownership.
Interim Interest: interest from the closing date to the end of the month generally charged to the buyer
Property Taxes: buyer’s prorated portion of state and local government property taxes already paid by the seller (such as annually paid taxes).
Escrow Account Payments: (often required by the lender) charges to cover costs or payments which will be due after the closing; escrow accounts are often set up to continue for the life of the loan, where a specified portion of the mortgage payment goes into escrow to cover certain on-going property related expenses and payments such as taxes and insurance.
Wednesday, November 22, 2017
BRAND NEW SUBDIVISION .... MAXWELL PLACE...
BUILDERS ARE MITCHELL HOMES AND JOHN HOWARD HOMES
WANT TO VIEW MORE HOMES IN THIS BRAND NEW SUBDIVISION CLICK HERE
CLICK HERE TO SEARCH HERE FOR YOUR BALDWIN OR MOBILE COUNTY DREAM HOME