montgomery home: Tips For a Green Summer Lawn - 07/11/14 06:24 AM
As Kermit the Frog knows, It’s not easy being green, especially so for a lawn trying to survive the heat and dryness of summer.  And for you, the Montgomery AL home owner, it’s not easy to look at your distressed and dying lawn after all the time and effort you have put into it in previous months.  Not to despair, however; it may not be too late to revive—or at least repair---the grassy areas of your landscape. Try following the following steps:
Consistently water your lawn. Most often, a lawn goes bad due to a lack of water.  Make sure … (0 comments)

montgomery home: Tax Credit Repayment Begins For 2008 Montgomery Home Buyers - 03/15/11 12:40 PM
If you are among those who received a tax credit of up to $7500 when you purchased your Montgomery home in 2008, you are now required to begin repaying that credit with this year's tax return. The entire amount is payable in 15 equal annual installments.
The IRS is sending letters of explanation of the repayment procedure to all taxpayers who claimed the credit in 2008. Generally speaking, all first-time 2008 home buyers will need to pay an additional $500 on their taxes from 2010 to 2025, provided the house is not sold before then and remains the owner's primary residence.
If … (0 comments)

montgomery home: 7 Tips For Avoiding Foreclosure Of Your Montgomery AL Home - 02/23/11 06:37 AM
In our present economic situation, many people are currently facing the loss of their homes. However, because foreclosure is expensive for lenders, mortgage insurers, and investors, the FHA, HUD, Freddie Mac, Fannie Mae, and private companies are being required to work with borrowers who are experiencing money problems. As a result, lenders do have workout options to help you keep your Montgomery AL home. Warning: Do not mistakenly assume that your mortgage situation will correct itself; you must take the steps suggested below to avoid, or at least forestall, foreclosure.
1. ACT NOW! Time is of the essence. Do not ignore … (0 comments)

montgomery home: Shopping From The Comfort Of Your Mongtomery Home - 01/04/11 06:30 AM
According to a national poll conducted by the National Cyber Security Alliance, 68% of all Americans make purchases online. If you have not yet done so or are sometimes hesitant about online shopping because of security concerns, use the following tips to develop and maintain good cyber-shopping habits.
Make sure that all security browsers on your computer are current and self-updating. The computer in your Mongtomery home is only as safe as you make it. NEVER give out your social security number! Use only secure and reputable websites. Secure websites add the letter "s" after http on their order page. Another … (0 comments)

montgomery home: Keeping Your Montgomery Home Safe During the Holidays - 12/14/10 11:50 AM
The scene we often envision at this time of year is one of family and friends sitting around a blazing fire with a brightly lighted tree, stockings hung from the mantel, and colorfully wrapped gifts adding to the cozy and festive atmosphere of your Montgomery home. A setting lovely to imagine--and to experience--but also one which requires awareness and safety precautions. Fires occurring during the holidays claim the lives of more than 400 Americans each year, and approximately 2 to 3 people per hour are treated in an emergency room due to "decorating" falls and other seasonal injuries.
At the time … (2 comments)

montgomery home: Be Prepared For Last Minute Showings Of Your Montgomery Home - 10/26/10 03:20 PM
For Sunday's open house, your Montgomery home was in "show-ready" condition. With curb appeal at its finest, clutter nowhere to be seen, windows and appliances sparkling, and the aroma of freshly baked cookies wafting in the air, you were certain that potential buyers couldn't help but be positively impressed.
However, now it's midweek, and the house has fallen back into its "lived in" state. Clutter abounds, dishes are in the sink, laundry has piled up, and toys have proliferated overnight. What a time for your realtor to call to tell you that she wants to show your Montgomery home to very … (4 comments)

montgomery home: How To Make Your Montgomery Home Inviting To Buyers - 10/12/10 01:00 PM
Although the interior of your home may be lovely, you can't use that fact to your advantage if potential buyers don't come inside to see it. The majority of house shoppers are influenced by first impressions, and, according to the National Association of Realtors, nearly 50% of them make their decision about your Montgomery home before stepping through the door. Ensuring that prospective buyers will want to see more doesn't have to be time-consuming or cost-prohibitive; there are numerous ways to strengthen your home's curb appeal, to capture the interest of buyers, and most likely increase the selling value.
When selling … (1 comments)

montgomery home: Changes Coming To FHA Mortgage Insurance Premiums - 09/28/10 06:05 AM
Congress has authorized FHA to change the amount charged to borrowers for both the Up Front and the Annual Mortgage Insurance (MI) premiums. These changes as outlined in Mortgagee Letter 2010-28, are effective for all FHA case numbers assigned on or after October 4th, 2010. Here are the six things you need to know about these changes if you are buying a Montgomery home:
The MI premium changes apply to purchases, regular refinances and streamline refinances only (reverse mortgages have different MI premium changes). The current Up Front MI premium is 2.25% of the loan amount and the new Up Front … (0 comments)

montgomery home: Go Green For a Faster Montgomery Home Sale - 08/04/10 07:38 AM
Many of today's buyers in the market for a Montgomery home are looking for one that is eco-friendly. They want a house that is energy-efficient and combats detriments to the environment. Listed below are some relative easy to do and cost-efficient ways you can appeal to potential eco-conscious buyers.
1. Insulate. Insulate. Insulate. Use pipe insulators to keep hot water hot for a longer time and a hot water heater blanket ($10.00 to $20.00) to both prevent temperature loss and reduce the amount of electricity/gas needed to maintain the water temperature. Be aware that the further heat or air conditioning has … (0 comments)

montgomery home: Steps For a Stress-free Move To a Montgomery Home - 07/27/10 01:51 PM
If you are moving to a Montgomery home, you can, with prior planning and these tips, make your move a smooth, less stressful experience. After you have gathered recommendations from friends and checked out moving companies on the web, you should narrow your choices to three or four. At this point you can avoid moving mistakes by using these guidelines to make informed, intelligent choices.
1. Insist on an in-home survey and estimate. Movers have to actually see what needs to be moved and be aware of items requiring special attention, such as pianos or valued art pieces. In addition, by … (0 comments)

montgomery home: Sprucing Up Your Montgomery Home - 07/20/10 02:22 PM
Interior Painting Tips
Whether your desire for a new look inside your Montgomery home is because of the arrival of spring or because you hope to hasten the sale of your house, you may be considering repainting in the near future.
While painting can be a long, and sometimes unrewarding, task, professional painters and expert "do-it-yourself-ers" alike agree on ways to make the process less frustrating and more likely to produce a finished product you'll be proud of. Basically, these tips center around organization, preparation, and patience.
Purchase all necessary supplies in advance. Include paint, brushes, rollers, and … (1 comments)

montgomery home: 6 Reasons To Buy Rather Than Rent a Montgomery Home - 05/26/10 12:52 PM
Many Montgomery renters are finding that they get more ‘bang for their' buck if they buy a home rather than rent one. With affordable prices, low interest rates and tax incentives, Montgomery home ownership makes more sense than ever.
6 Reasons to Buy Rather Than Rent Montgomery Home
1. Buying doesn't always cost more. The Associated Press reports the gap between buying and renting has decreased $550 in the last three years.
2. Affordability is at an all-time high. Nationwide, prices have declined by nearly 20-40%.
3. Tax benefits for home ownership saves money. The biggest tax break is the mortgage … (1 comments)

montgomery home: What Is HAFA? What Does It Mean For Montgomery Home Owners? - 05/18/10 02:18 PM
HAFA or Home Affordable Foreclosure Alternatives, is a program initiated by President Obama on November 30, 2009. HAFA helps families in distress who are having difficulty selling their homes. HAFA along with HAMP, the Home Affordable Modification Program, to revitalize the real estate market.
HAFA provides incentives to families to take advantage of selling their Montgomery home by means of a short sale (the home is sold for less than the value of the loan), or a deed-in-lieu of foreclosure (the home owner voluntarily gives the deed to the lender.
HAFA helps families quickly sell their Montgomery homes by giving them … (0 comments)

montgomery home: Landscaping Your Montgomery Home--Creating a Backyard Wildlife Habitat - 05/11/10 02:12 AM
Interested in conserving the environment? Intrigued with the idea of providing a haven for neighborhood wildlife AND reducing the amount of work, water, and chemicals needed to keep your landscaping alive, well, and attractive? Read on…
Winter is the perfect time to plan a backyard wildlife habitat for your Montgomery home and design a garden that provides essential kinds of wildlife, such as birds, butterflies, amphibians, and small mammals. Because natural environments are quickly disappearing due to rapid development, greener gardening techniques which are mindful of the ecosystems and needs of native creatures have become essential.
There are many online sites … (0 comments)

montgomery home: Tips For First-time Montgomery Home Buyers - 04/20/10 01:17 PM
Low listing prices, reasonable interest rates, and an abundant variety of homes to choose from are among a few of the reasons now is the perfect time for buyers to make a move in today's real estate market. Current market trends and other factors have made conditions even more favorable for first-time homebuyers. Though becoming a homeowner comes with huge responsibilities and financial commitments, first-time home buyers should take advantage of the market over flowing with opportunities. The following tips will help ease the mind when considering the smart purchase of your first Montgomery home.
1. Become familiar with the new … (0 comments)

montgomery home: Will You Owe Capital Gains When Selling Your Montgomery Home - 03/30/10 11:48 PM
Something to consider when selling your home is the Capital Gains ramifications. Will you owe Uncle Sam money after the sale of your Montgomery home? Capital Gains are calculated as the difference between what you paid for your property and what you sell it for. Here is how you calculate your Capital Gains.
Calculating Capital Gains
(+) PURCHASE PRICE - Price paid for property
(+) COST OF PURCHASE - Transfer fees, attorney fees, inspections
(+) COST OF SALE - Repairs, commissions, attorney fees, inspections
(+) COST OF IMPROVEMENT - Room additions, deck, for example, though not replacing existing
(=) ADJUSTED COST … (1 comments)

montgomery home: Credit Score Myths & How To Avoid Them When Buying A Montgomery Home - 03/23/10 02:17 PM
The most important piece of a person's financial life is their credit score. Whether buying a new Montgomery home, applying for a job, refinancing your Montgomery home, paying off debt, or getting utility service, your credit score will drive the outcome. One would think that Americans are all aware of what the scores are measuring and what factors play a part. But, most Americans do not know enough about the three digit rating or what is involved. Avoid these credit score myths when preparing for the purchase of your next Montgomery home.
Myth: Checking a credit report can either damage or … (0 comments)

montgomery home: Selling Your Montgomery Home In Todays Economy - 03/02/10 01:05 PM

In today's rapidly changing economy, many Montgomery home owners wonder or worry about selling their home for the best price, and terms in the shortest period of time. 
Here are 9 helpful hints if you are considering selling your Montgomery home:
Be realistic, and price your home right by using market comparisons. Know your true bottom line for both price and time. As the market shifts, be prepared to evaluate your price. Advertise your property with yard signs, local MLS and newspapers. Get rid of the clutter! It makes your house appear smaller. Clean your walls, floors, baseboards, stove and refrigerator. Buyers … (0 comments)

montgomery home: What's So Great About Home Buyer Tax Credit Anyway? - 02/23/10 10:20 AM
April 30th seems like a long way off, but for prospective Montgomery home buyers who are on the fence about making a home purchase, the next few months represent a countdown of sorts as huge tax credits are about to expire. Here are important details for you to know: Tax Credit for First-Time Home buyers First-time home buyers may be eligible for the tax credit. The credit is 10% of the purchase price of the home, with a maximum available credit of $8,000. Single taxpayers and married couples filing a joint return may qualify for the full tax credit amount. Tax … (0 comments)

montgomery home: Help for Montgomery Home Owners to Avoid Foreclosure - 02/03/10 12:49 AM
We are proud to announce Sandra Nickel Hat Team REALTORS, Montgomery real estate specialists, have developed a marketing strategy and website that is focused on assisting distressed homeowners find information and investigate options to avoid the foreclosure process.
A short sale is a real estate transaction option that banks will consider instead of foreclosure with specific guidelines. As a Certified Distressed Property Expert (CDPE) we are determined to provide essential knowledge to homeowners in Montgomery facing this unfortunate circumstance. 
Visitors to will find information regarding the process of foreclosure, what effects foreclosure has on a homeowner, and ways to prevent … (1 comments)

Sandra Nickel, The Hat Team (Sandra Nickel REALTORS) Rainmaker large

Sandra Nickel

The Hat Team

Montgomery, AL

More about me…

Sandra Nickel REALTORS

Address: 1044 E Fariview Avenue, Montgomery, AL, 36106

Office: (334) 834-1500

Fax: (334) 269-4083

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