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    QUESTIONS TO ASK When Considering a Condo or HOA

    By Randy Niemeyer | March 12, 2020

    Condominiums, townhomes, and properties located within a homeowner association offer certain perks, but it’s important to consider them in your decision process. How much storage is available? Some properties include storage lockers, but there may not be attics or basements to hold extra belongings. How’s the outdoor space? Your yard may be smaller than you’d... Read More

    QUESTIONS TO ASK About the Neighborhood

    By Randy Niemeyer | March 4, 2020

    Where you live should reflect your lifestyle. These questions will help you find the best community for you. Is it close to my favorite spots? Make a list of activities you engage in and stores you visit frequently. See how far you would have to travel from each neighborhood you’re considering to engage in your... Read More

    WORKSHEET Define Your Dream Home

    By Randy Niemeyer | February 27, 2020

    Write in your preferences and rate them:   3 = Vital,   2 = Very Important,   1 = Neutral,   0 = Not important LOCATION PREFERENCES RATE Neighborhood School district Near public transportation Near airport Near expressway Near shopping Great views TYPE Single-family / condo / townhome Minimum / maximum property age Willingness to renovate Architectural style Open... Read More

    HOW TO Finance a Home, Creatively

    By Randy Niemeyer | February 17, 2020

    Investigate local, state, and national down payment assistance programs. These programs give qualified applicants loans or grants to cover all or part of your required down payment. National programs include the Nehemiah program,, and the American Dream Down Payment Fund from the Department of Housing and Urban Development. Explore seller financing. In some cases,... Read More

    9691 Bay Meadows Avenue, Fairhope AL

    By Laine Lucas | February 4, 2020

    $258,800 4 Bed | 2 Bath | 1,903 Sqft. View the Tour Looking for charm, open floor plan, wood floors, vaulted ceiling, and a fabulous private yard graced with fruit trees? Easily accessible to Highway 181. This home is just for you. Come see it today! Read More

    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

    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