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Daphne : Real Estate Advice

  • All59
  • Local Info0
  • Home Buying12
  • Home Selling3
  • Market Conditions6

Activity 17
Tue Feb 26, 2013
Mary McNair answered:
If you will give me a call to provide more details about your maximum rent and the type property you are seeking, I can search the active listings on the MLS specific to your criteria.
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Sat Feb 16, 2013
Mary McNair answered:
Baldwin County is the largest county in the state, with property types ranging from beach and bay front, to rural farm and timber land. Therefore, it is always best to research each property specifically.

The tax question is easy to answer by visiting the Baldwin County Revenue Commission records online. Click on this link (http://www.deltacomputersystems.com/al/al05/plinkquerya.html) to start a property search. Just type in the street number and name; don't include the city. Once you locate the correct property records, you can see the taxes that were just paid for the previous year, as all taxes are paid one year in arrears.

You can also see the tax appraisal value. However, if the list price of the home is higher than the tax assessed value, it really should be. Tax value should be less than fair market value in most cases.

Insurance questions are best put to an insurance agent, as specific location, age of the home, and other specific factors come into play in providing a quote.

Let me know if I can be of additional help.
... more
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Sat Feb 16, 2013
answered:
Mortgage interest rates are still at historical lows. Many buyers are choosing to take advantage of this by purchasing homes.

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 with over a decade of lending experience.

Prospect Mortgage offers a full selection of mortgage programs including:
Conventional | FHA | FHA 580-639 FICO | FHA 203K Renovation (Streamline & Consultant) | HomePath® | HomePath® Renovation | HomeStyle® Renovation | VA | USDA | GA Dream | Jumbo Financing.
... more
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Mon Dec 3, 2012
Mary McNair answered:
Good morning, Patricia.

Thank you for requesting more details on this property and in finding a rental in general. I can help you with that. Please give me a call at 251-295-5267 so we can schedule to show you this and other possibilities after I get a few more details from you and am able to send you additional listings to review. ... more
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Tue Nov 6, 2012
Charles Goins asked:
my name is Charles Goins. cell (205) 394-8934Thank you
please call to discuss terms.

--
This question was asked from this property: http://www.trulia.com/rental/3095834516-29758-Freder...
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Tue Oct 30, 2012
GCScorpio answered:
In the Eastern Shore area I noticed a wide varance in prices per SF. with new construction runnig around $ 98.00 per SF. you pick your room colors, brick , flooring , cabinets etc..
Then you have used second hand houses several years old, Where the life on the roofing appliances's and everything has been used by someone else. And were someone else picked what they wanted the house to look like running a close price of $104.00 - $45.00 a SF. I know realtor say location location but unless it's on a highly traveled commerical Highway and the property has the likely hood of being commerical the area is mostly S. Alabama Rural no matter what you put on a subdivision gate.I know about hype and actual vs. percevied value. New today old in ten years.If you can sell a home in this risky economic times your very lucky. Is the economy comming back or on the edge of s deeper long world depression. Keep making those monthy mortage payment and hoping to get $75.00 a SF. These are the worst times in our lives and the most uncertain. I am not a realtor and do not work ona sellers commisions, keep those prices high and keep those house empty. What's the real price average selling price in this area per SF. ... more
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Thu Jul 26, 2012
Mary McNair answered:
Are you strictly interested in a lease or are you wanting to buy? I don't handle rentals, but I can definitely assist you in locating properties for sale.

Please contact me directly if you would like my assistance. ... more
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Thu Jun 16, 2011
Sunnieday4u asked:
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Wed Mar 23, 2011
answered:
The State of Alabama does have a one year Right of Redemption on foreclosed properties. Typically, the home owner would have to leave once the foreclosure is completed. An eviction would be required if they do not leave voluntarily.

Rodney Mason
Sr Loan Officer / FHA 203K Renovation / HomePath Specialist
Prospect Mortgage
Atlanta, GA
(404) 591-2453
NMLS #151088
rodney.mason@prospectmtg.com
Apply Online at http://www.rodneymason.com
Licensed in AL & GA
... more
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Sun Feb 27, 2011
Jason Will answered:
Steven Terry in Mobile helped me get an approval on a very difficult short sale in Gulf Shores.
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Fri Jun 20, 2014
Parrish Walker answered:
It's hard to answer that question without knowing more about your property. However, I am placing a link that will show you the only three tracts of land that have sold in Belforest (at least on the MLS), as well as one that was listed but never sold. This may help you get an idea, but considering the lack of sales it's going to take a much closer look for any professional to get a good idea of potential market value. I have other resources that I can use to find sales that didn't go through the MLS, but I need to know the specific property.

If you'd like me to dig further and get a better estimate of fair market value for your property, please send me a personal note at pwalker@oracleofmobile.com or call me at (251) 459-4764. I hope to hear from you!

Belforest Land Sales: http://www.navica2.net/displays/?n=234&i=7082136&k=7sYJ
... more
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Fri Oct 8, 2010
Parrish Walker answered:
I predict there will be a boost in the market as soon as we get the tanker contract! Fingers crossed.... Regardless, we are entering the traditionally slower winter months. Typically, real estate sales pick up after Mardi Gras. My advice would be to buy now and sell after Mardi Gras if possible.

If I can help you with anything, please don't hesitate to contact me. Parrish Walker (251) 459-4764 or pwalker@oracleofmobile.com.
... more
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Wed Aug 18, 2010
Molli75 asked:
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Tue Aug 17, 2010
answered:
Yes, rates can vary from lender to lender.....I represent Wells Fargo and would be glad to offer you our services....

Best regards,
Sam Thompson
770-301-0527
Sam.Thompson@HSL-GA.com ... more
0 votes 7 answers Share Flag
Sun Jun 27, 2010
Tia Stanley answered:
I checked the MLS Rentals for Loxley and there really isn't anything under $900. There is one for $975 and one for $1000 that have fences, but you may be able to negotiate them to $900. Might have better luck in Daphne Lake Forest area. Send me an email and I will email those to you.

My other recommendation is calling property management companies. I will look for your email. Send it through my website link below.
... more
0 votes 2 answers Share Flag
Thu Apr 30, 2009
Barry Lynn Miller J.R. answered:
This is from a Blog I have on Active Rain

Save or Borrow a down payment for purchase of Property
The numbers do not lie if you buy now it will cost you less thease numbers are based on saving over 700 per month and who can do that these days.



Information About You and the Home You Wish to Buy
Expected Period in House If You Buy Now 30 years
Estimated Property Appreciation Rate 4.00% per year
Income Tax Bracket 27%
Pre-tax Rate of Interest on Savings 5.00%
After-tax Rate of Interest on Savings 3.65%
Number of Months You Rent Before You Buy 48 months
Current Monthly Rent $650
Monthly Real Estate Taxes $55 per month
Monthly Home Owners Insurance $65 per month
Monthly Rental Insurance $35 per month
Loan Information Buy Now Save First
Purchase Price $200,000 $233,972
Down Payment $7,000 $46,794
Loan Amount $193,000 $187,178
Interest Rate 6.000% 6.500%
Loan Term (in years) 30 years 30 years
Monthly Mortgage Payment $1,157.14 $1,183.10
Monthly Mortgage Insurance Payments $154.40 $0.00
Buy Now Loan Balance Reaches 80% of Appreciated Value in Month 43
Points 1.00% 1.00%
Other Closing Costs $2,500 $3,000
Results - Assuming a 30 Year Holding Period Buy Now Save First
Cost of Rent $86,508
Cost of Renters Insurance $4,658
Cost of Lost Interest on Down Payment $13,890 $73,907
Cost of Points Net of Tax Savings $4,235 $3,550
Cost of Other Upfront Charges $7,461 $7,738
Cost of Monthly Mortgage Payments $754,856 $614,333
Cost of Monthly Mortgage Insurance Premiums $9,449 $0
Cost of Homeowners Insurance $42,402 $33,752
Cost of Property Taxes $26,192 $20,848
Less: Tax Savings on Mortgage Interest $123,322 $111,708
Less: Increase in Property Value $448,680 $414,708
Less: Reduction in Loan Balance $193,000 $137,296
Equals - Net Cost $93,482 $181,582
Conclusions
The Cost of Saving First Exceeds the Cost of Buying Now by: $88,100
Saving First Would be the Better Choice Only if Your Monthly Rent is Less Than: ($12)


Your complete real estate professional


Give me a call
... more
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Sun Feb 16, 2014
Christian Green, REALTOR, GRI, ePRO answered:
There are several options in Daphne without having to be in a platted subdivision. I would love the opportunity to help you locate property. Please call me at 251-990-6622 to make an appointment. ... more
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