Skip To Content

Monthly Archives: January 2020

    QUESTIONS TO ASK When Choosing a Lender

    By Randy Niemeyer | January 31, 2020

    Loan terms, rates, and products can vary significantly from one company to the next. When shopping around, these are a few things you should ask about. General questions: What are the most popular mortgages you offer? Why are they so popular? Are your rates, terms, fees, and closing costs negotiable? Do you offer discounts for... Read More

    Loans & Lending Terms

    By Randy Niemeyer | January 22, 2020

    Term. Mortgages are generally available at 15-, 20-, or 30-year terms. In general, the longer the term, the lower the monthly payment. However, shorter terms mean you pay less interest over the life of the loan. Fixed vs. adjustable interest rates. A fixed rate allows you to lock in a low interest rate as long... Read More

    HOW TO Prepare to Finance a Home

    By Randy Niemeyer | January 15, 2020

    Develop a budget: Use receipts and your banking transaction history to create a budget that reflects your actual habits over the last several months. This approach will better factor in unexpected expenses alongside more predictable costs such as utility bills and groceries. You’ll probably spot ways to save, whether it’s cutting out a Starbucks run... Read More

    465 Colony Drive Fairhope AL

    By Laine Lucas | January 10, 2020

    $693,500 5 bedrooms | 4 bathrooms | 3,059 square feet View the Tour One of the larger homes located in the Battles Trace community. This home features five bedrooms and a huge bonus room upstairs. There is a garage that features 2 separate car spaces as well as a hobby garage for your golf cart.... Read More

    505 Artesian Spring Drive, Fairhope AL

    By Laine Lucas | January 10, 2020

    $798,500 5 bedrooms | 4 bathrooms | 3,419 square feet View the Tour If you are looking for perfection, you have found it. Built-in 2016 and one of the largest houses in The Colony, this 5 bedrooms 4 bathroom home is the former model home for Phase II and is loaded with extra features: rear... Read More

    19097 Highway 181 Fairhope AL

    By Laine Lucas | January 9, 2020

    $269,000 4 bedrooms | 2 bathrooms | 1740 square feet View the Tour The possibilities are endless! 2 un-zoned, level acres with 181 ft of frontage on HWY 181. In the middle of the land rests a delightful 4-bedroom brick home surrounded by a massive heritage oak tree. This home features a brand new roof... Read More

    HOW TO Improve Your Credit

    By Randy Niemeyer | January 8, 2020

    Credit scores play a big role in determining whether you’ll qualify for a loan and what your loan terms will be. So, keep your credit score high by doing the following: Check for errors in your credit report. Thanks to an act of Congress, you can download one free credit report each year at Read More

    118 Mulberry Lane, Fairhope AL

    By Laine Lucas | January 8, 2020

    $755,000 4 bedrooms | 3.5 bathrooms | 3142 square feet View the Tour Nestled in the idyllic park-like cul-de-sac of Mulberry Lane in the Battles Trace community. This custom home features a chef’s kitchen with granite countertops and custom cabinetry. Every detail of this beautiful reflects luxury and easy living. The custom brick entrance, lush... Read More

    20037 County Road 33, Fairhope AL

    By Laine Lucas | January 6, 2020

    $460,000 3 Bed | 2 Bath | 2308 Sqft. View the Tour One of a kind property in Fairhope! This tranquil home is private, but close to town and includes granite countertops and wood flooring. This completely renovated house sits on 4.7 rolling acres w/ spring-fed, stocked pond, fruit trees, and mature landscaping. New roof... Read More