The Judy Niemeyer Team Blog

Mobile Eastern Shore Real Estate For Sale:

655 Fairhope Avenue, Fairhope AL 36532

MLS# 165743

Newly renovated 3 bedroom 3 bath Fairhope cottage in downtown.  This home offers 1824 square feet with an open floor plan in the main house.  The kitchen is the primary focus with the heart pine custom cabinets and countertops made from original 1920’s flooring.  And with a focus on being greet the house was updated in 2007 with a tankless water heater, stainless steel appliances and underground utilities.  There is also a 924 square feet 2 story carriage house with another full bath and kitchenette. 

Learn more about 655 Fairhope Avenue and other Mobile Eastern Shore real estate for sale by visiting JudySells.com.

Search all Mobile Eastern Shore real estate for sale.

Tags: 655 fairhope, Mobile Eastern Shore real estate for sale

For you, as for most Americans, your home is your largest and most important investment. Homeowners insurance, required by mortgage lenders, protects you from losing the value of your Mobile Eastern Shore real estate if disaster strikes and enables you to repair or rebuild the structure. It covers damage to your home (real property) and your personal belongings (personal property) for the hazards specified in your policy. It also covers your liability for any injuries and property damage that you or your family members (including pets) cause to other people.

Types of homeowners insurance:

• HO-1 is very basic coverage, insuring against fire or lightening damage

• HO-2, called “broad coverage,” also covers loss of or damage to property resulting from windstorm or hail, theft, explosion, smoke damage from vehicles and aircraft, glass breakage, removal of property endangered by covered peril such as fire, vandalism, malicious mischief, and riot or civil commotion. HO-2 also covers building collapse, freezing of or accidental discharge of water or steam from within plumbing, heating, or air-conditioning, falling objects, weight of snow, ice, or sleet, and rupture or bursting of steam or hot water heating system

• HO-3, called the “special” form, insures your home and detached structures against loss or damage from any peril except for those specifically excluded in the policy. This is the policy most homeowners purchase. It is important for you to read your policy carefully to see what is excluded—you may want to cover exclusions with special endorsements.

• HO-4 is a tenant’s policy and insures your household contents and personal belongings against the perils of the HO-2 policy. It also covers additional living expenses if needed, medical payments, and also liability protection.
  Continue Reading »

Tags: homeowners insurance, insurance guide, mobile eastern shore, Real Estate

Mobile Eastern Shore Homes For Sale:

105 Kepler Place, Fairhope AL 36532

MLS# 164786

This home was built with quality by Carl Nelson, including beautiful hickory hardwood floors, granite counter tops and custom cabinets.  You will love the open floor plan and the split bedroom layout.  The kitchen is a dream with its stainless GE Monogram package and a 6 burner gas cook top.  Relax in the oversized master bath with its many built-ins.  Off the back you have a screened in porch where you can enjoy the beautiful grounds.

Learn more about 105 Kepler Place and other Mobile Eastern Shore Homes for Sale by visiting JudySells.com.

Search all Mobile Eastern Shore homes for sale.

Tags: 105 kepler, mobile eastern shore homes for sale

Because of the current lower interest rates, many mortgage experts are advising Mobile Eastern Shore home owners to consider refinancing their existing mortgages as a way to

1. decrease the amount of their monthly mortgage payments
2. reduce the duration of their current loan, or
3. provide money for home improvements or other expenses. Interested? Read on…

Knowledge

Before you rush into refinancing your Mobile Eastern Shore real estate, be aware of two key strategies that will benefit you. The first is KNOWLEDGE. Carefully investigate the pros and cons of different refinancing features such as interest rate, closing costs and fees, and the term of the loan. Determine the purpose of your refinancing and the amount of savings and/or money you hope to gain from it. Examine your personal financial situation–now and in the future–to identify the best option for you.

Continue Reading »

Tags: mobile eastern shore real estate, refinance options, refinance your home, refinancing

Mobile Eastern Shore Real Estate For Sale:

103 Sweetwater Lane, Fairhope AL 36532

MLS# 163428

The curb appeal of this Rock Creek Home; the wrap porches in front and spacious screened porch in back add to the ambiance.  This home is loaded with upgrades and has large easy flow rooms.  The natural buffer provides relaxing moments on the cool deck on the screened porch enjoying the outdoors.  The final touches are a whole house generator and invisible fence. 

Learn more about 103 Sweetwater Lane and other Mobile Eastern Shore Real Estate For sale by visiting JudySells.com.

Search all Mobile Eastern Shore Real Estate For Sale.

Tags: 103 sweetwater, Mobile Eastern Shore real estate for sale

The prospect of relocating to a new place can be somewhat unsettling as you face emptying your present house and filling up your Mobile Eastern Shore home. Not only must you deal with the onus of packing and the logistics of your physical move, you also find yourself a bit anxious–and possible sad– about leaving a place where you’ve grown comfortable. No wonder so many people dread making a move!

There is, however, a painless way to lessen the angst and allow you to cope well (maybe even enjoy) the relocation process–and that is organization. While you may be proficient at researching and hiring a moving company and finding a reliable Realtor to sell your current residence and help you find the perfect Mobile Eastern Shore home, there are numerous “small” steps you can take to eliminate unpleasant surprises later on and to make the process go more smoothly.

FINANCES:
To alleviate any concerns you may have about the financial ramifications of living in a new city, you can compare the cost of living in two places by visiting HomeFair.com. This site will help you calculate how far your salary will go in your new location.

Continue Reading »

Tags: home buying tips, mobile eastern shore home, relocating to mobile eastern shore, relocation

Mobile Eastern Shore Homes For Sale:

US Hightway 98 (Lot), Fairhope AL 36532

MLS# 145306

There is tremendous opportunity for this 38.5 acre level property with beautiful oaks.  Nice location just minutes to Fairhope and Foley.  City water is available and this lot is no zone so it’s suitable for any use.  Create your own estate!

Learn more about Us Highway 98 (Lot) and other Mobile Eastern Shore homes for sale by visiting JudySells.com

Search all Mobile Eastern Shore homes for sale.

Tags: mobile eastern shore homes for sale, us highway 98

To sell or not to sell? That is a question with which many seniors are wrestling these days. One the one hand, older homeowners are faced with rising maintenance costs, personal physical constraints, a desire to live a more carefree and less complicated lifestyle, a realistic look at future needs, such as being near public transportation and/or quality health care, and living in a “too-large” home. On the other hand, they are reluctant to leave a neighborhood where they are known and respected, move further from friends and family, consider downsizing and parting with treasured items, and undertaking the seemingly overwhelming job of emptying one home and setting up another. In addition, they don’t want to give up the security or the memories tied to their current home.

A knowledgeable and understanding real estate agent who is familiar with the needs and desires of the 55+ set, combined with the services of an attorney who specializes in both real estate and estate planning and an accountant who deals with senior tax implications, can be invaluable to you in looking at all aspects of selling your Mobile Eastern Shore real estate and helping you determine what is best for you. Senior Expert Margie Behr also advises that you think about taking out a home equity loan before you put your house on the market and that you involve your whole family in the decision-making process.

If you do decide to sell, BankRate.com cautions you to first get a written market analysis and a financial evaluation which will help you and your team of advisors address the realities of the market, your investments, and tax objectives.

Once underway in the selling process, you‘ll have to prepare your Mobile Eastern Shore real estate for showing to potential buyers. That includes removing, storing, or giving away some large furnishing, heirlooms, or collections, and making your home as “clutter-free“ as possible. If this task looms too large for you to deal with by yourself, your real estate agent can provide you with qualified, responsible people who will make the burden much lighter. Remember that a well-maintained property with plenty of open space makes the house seem larger and shows off its assets.

Continue Reading »

Tags: home selling tips, mobile eastern shore, mobile eastern shore real estate, tips for seniors