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Home Buying in Baldwin County : Real Estate Advice

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  • Local Info1
  • Home Buying5
  • Home Selling0
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Activity 94
Sat Aug 25, 2012
Mary McNair answered:
Another critical thing to be aware of when buying a foreclosure is that you don't get clear title until the one-year anniversary of the property being sold on the courthouse steps (i.e. foreclosure sale).

You'd have to keep detailed records of everything you did to the house to make it safe to occupy. Things like changing out functional countertops with granite may not be considered a reimbursable expense if it was a preference change. But fixing the roof, replacing appliances that weren't working or unsafe, replacing carpet that was beyond salvage, etc., are examples of things that should be reimbursable, but you have to prove it was necessary. So take lots of pictures of the before to back up your case.

The longer a property has been on the market, the less likely you would have to give up your home. But it does happen, although very rarely. You basically have to ask yourself if you are willing to risk being one of the very few that it does happen to.

Also, don't assume foreclosures are the best deals. It can be worth paying a little more to own it with a clear title from day one.

Give me a call if I can help you with your home search.
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Sun Aug 19, 2012
Beverly Michie answered:
Yes there are some available. Are you talking short term vacation rental orang term?

Beverly Michie
Better Homes and Land
251-604-0743
0 votes 1 answer Share Flag
Fri Mar 15, 2013
Alison Hillman answered:
Hey Hunter-

Here is the listing on Trulia: http://www.trulia.com/homes/Alabama/Bay_Minette/sold/15360-1302-McMillan-Ave-Bay-Minette-AL-36507

I'd recommend clicking on the Contact an agent button (it's yellow) to learn more about the property. Good luck!

Ali, Community Manager
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Wed Mar 6, 2013
Mary McNair answered:
I can help you with that. I have search capabilities via the MLS system that the general public doesn't have. If you aren't already working with an agent to do this for you, give me a call and I'll be glad to get all the information I need to find you options. We have one listing on Danne Road that has a pool and which is shown under my Trulia listings. ... more
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Sat Jul 28, 2012
Phil Rotondo answered:
Market value is what the county says the home is worth based on sales in the area.
Assessed value is what the county says you will pay taxes on.
0 votes 5 answers Share Flag
Wed Jul 11, 2012
Port City Team answered:
Why would you want to? Data from local MLS and the local website's IDX feed is the most accurate and up to date information and there are usually lots of pictures. I cannot tell you how many times we get inquiries on properties from national sites that are properties that sold 6 months to a year ago. I recommend to everyone to keep up with new listings they should sign up with a local site. ... more
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Mon Jul 9, 2012
Mary McNair answered:
It doesn't show as being listed with a Realtor. What has you asking?

Are you working with a Realtor yet to help you find something that is available that would be a good match for you? If not, I'd appreciate being considered to represent you at no cost to you. Read the recommendations posted to my provide to determine if I sound like the right agent for you.

Please give me a call to tell me what you are looking for and I'll get some listing details e-mailed for your consideration.
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Sat Jun 30, 2012
Destiny Parks answered:
You want an agent that is experienced in working with buyers, and I would love to work with you! Do you have a house in mind already? You can email me at destinyparks@mchsi.com or call me at (251) 786-5200. ... more
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Mon Jul 2, 2012
Ron Thomas answered:
The Listing are placed by a hundred different Realtors,
they are not filter or monitored by Trulia.
Who knows?

If you see something that peaks your interest,
you should contact a local Realtor for a showing.

If you want to see them all.....
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Wed Jun 6, 2012
The Lance Steffek Team answered:
Island Winds West. $574/month. No Assessments. This property is under contract. If there is anything else can help you with please let me know.
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Tue Mar 17, 2015
Tim Moore answered:
If the seller is keeping his homeowners insurance policy why do you also want a policy? He is keeping it to protect his investment, I am surprised he is not making you get it and putting his name on it as the lien holder so he can be sure it is being paid. But if he wants to keep it let him. You can then just get renters insurance to protect your things in the house. ... more
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Fri May 25, 2012
gedeckt8 asked:
Fri May 18, 2012
Anna asked:
Moving to the area within a month, never been there but am wondering if any of the listed properties may have an owner financing option. Rent to own or with option to buy even...?
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Tue Feb 21, 2012
Rebecca Pangallo answered:
Give me a call. We have a list of insurance agents that you can get ahold of. My number is 251-752-9949.
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Mon Jan 23, 2012
Rodney Mason answered:
Hi William,
I am licensed in both AL & GA. My contact info is below.

Regards,
Rodney Mason, NMLS #151088
Sr Loan Officer
Prospect Mortgage
825 Juniper St NE, Atlanta, GA 30308
Office: (404) 591-2453
rodney.mason@prospectmtg.com
Apply Online at http://www.rodneymason.com
Licensed in Alabama & Georgia

Prospect Mortgage offers a full selection of mortgage programs including:
Conventional | FHA | FHA 580-639 FICO | FHA 203K Renovation (Streamline & Consultant) | HomePath® | HomePath® Renovation | VA | USDA | GA Dream | Jumbo Financing
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Mon Jan 23, 2012
Anna M Brocco answered:
Visit with any licensed loan officer, after reviewing your overall financial information a determination can be made; if you don't yet qualify, he/she may offer great suggestions as to what needs to be done in order to be able to purchase in the near future. Be aware that a mortgage pre-approval letter is required in order to determine your price range and for any offers to be taken seriously. ... more
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Thu Jan 12, 2012
Shanna Rogers answered:
Hi William,

A short sale is when you sell your house for less than what is owed on the property. A short sale requires approval from the lender(s). Also, the owner/seller must be able to prove a financial hardship before the lender(s) will even consider approving short sale. Lender(s) will NOT approve a short sale just because a home is worth less than what is owed on it.

Shanna Rogers
SR Realty
www.RealtyBySR.com
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Wed Jan 11, 2012
Don Tepper answered:
Sounds like you talked to the wrong insurance agent.

Ask your Realtor for some recommendations.

I don't know specifically about your area, but it's true that there can be some horror stories. The worst situation--and this goes house by house--is when a house is uninsurable because of the number of claims by the previous owner. So you could have two side-by-side identical homes. One owner has made repeated claims and the other hasn't. It could turn out that the one house is uninsurable, while the other one qualifies at a nice, low rate.

There are also issues dealing with flood plains, coastal areas, etc. That would affect all the nearby houses.

Finally, of course, there are variations based on all sorts of factor pertaining to the house--size, proximity to a fire station and a fire hydraunt, type of construction, age, etc. But you already know that. Those, though, shouldn't produce horror stories, just some variation in rates.

So, again, ask your Realtor to recommend an insurance agent who can help you. That should do it. If it doesn't, you can always ask to see the seller's insurance policy. It might not be quite the coverage you'd be looking for (the deductibles might be different, for instance), but it would at least give you a ballpark idea.

Hope that helps.
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