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Happy Holiday Huntsville AL Real Estate

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Happy Thanksgiving From Our House to Yours

I can help with your eMail Marketing | EASY &Quick

Jim D Brown
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Happy Thanksgiving from Exit Realty
Exit Realty of the Valley

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Exit Realty of the Valley- Jim D Brown

Did you Know?

 

EXIT Realty of the Valley has the commitment to have the most highly trained, competent, and effective agents in the marketplace. Whether you are buying or selling Huntsville homes with Exit, you can be assured that the agents of EXIT Realty of the Valley are going to be on the cutting edge of homes in Alabama.

“We believe the key to continued success and prosperity for all lies within hard work, positive thinking and office team work. Working together and pulling for one another creates a pleasant, pro-active and harmonious office environment that breeds success!”

Exit Realty is a full-service agency providing both listing and selling services, including information on finance and loans for all

 

 

 

 

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2 Investment Properties So Close To Redstone Arsenal, You Need Clearance

I can help with your eMail Marketing | EASY &Quick

 

Jim D Brown

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. Pro Action Camo Rain Pants
Acreage in Huntsville AL City Limits .

Exit Realty of the Valley

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Exit Realty of the Valley- Jim D Brown

Did you Know?

EXIT Realty of the Valley has the commitment to have the most highly trained, competent, and effective agents in the marketplace. Whether you are buying or selling Huntsville homes with Exit, you can be assured that the agents of EXIT Realty of the Valley are going to be on the cutting edge of homes in Alabama.

“We believe the key to continued success and prosperity for all lies within hard work, positive thinking and office team work. Working together and pulling for one another creates a pleasant, pro-active and harmonious office environment that breeds success!”

Exit Realty is a full-service agency providing both listing and selling services, including information on finance and loans for all

 

Customer Support  /  Contact  /  Real Estate Search  /  Twitter  /  Facebook  /  Pinterest
© 2012 · Jim D Brown­ Exit Realty of the Valley

You received this email because you’re listed as a Realtor® or hold a Realtor® License Jim D Brown Home / Unsubscribe

 

 

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Quick and Easy DIY Pumpkin Carving for You and Kids!

Halloween can be loads of fun if you are prepared and have endless hours of time to devote to decorating and prepping and, and, and, You get the picture. for some their sole purpose is to make everything look incredible and make you wonder, “how did they do that?”. While others try to make the process look simple and non-time consuming.

I see it all day long, previewing and showing houses where folks still occupy the home in Huntsville AL. We pull up to a home and voila, we are suddenly transported into a Hollywood movie scene where everything is either Photoshop or a professional prop creator has been put on retainer for the holidays! Then to another house for sale in Huntsville AL and there we began to feel we should have purchased tickets for this theatrical event. Who has time or the energy to do this stuff, with kids?!

Well I wanted to share with you a truly easy and beautiful DIY for the Halloween Holiday that everyone can be a part of, especially the KIDS! IMG_0725

First, simply take an hour at most and set aside for the prep work. The prep work is time needed to find and purchase a pumpkin or two. Now don’t worry about how the pumpkins look- they will not be a the focus of the show. Now that you have the pumpkins you have several option for decorating.

  1. Non Toxic Paint (find a good list here). Cut out paper eyes, mouth, nose or anything you want on the pumpkin and stick it on. Now paint the pumpkin and remove the paper. You have a jack-o-lantern.
  2. Use non toxic magic markers (a good list here) and go crazy! Mark it how ever you want. Remember, these are not the star of the show.
  3. This option is my boys favorite way to decorate. Take a small hammer and get as many ten penny nails or masonry nails as you want and hammer in your design. Have fun and stand back if you are letting the little guys channel their inner Picasso

 

IMG_0705

 

 

Now that you have a base established, all you have to do is sit the pumpkins you have created on a table, preferably a sofa table and leave space in the middle for the finale.

 

 

 

 

Below is the finished project. As you can see for a simple DIY Halloween project just add Kids!

halloween-DIY

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Are you ready to purchase a home but have little to no money set aside for a down payment?

BancorpSouth offers several programs for zero down payment. The Guaranteed Rural Housing loan is a fantastic option for you if you are purchasing a home in a designated rural area. This could be in Harvest, Toney, New Hope, Meridianville, Hazel Green- Just to name a few. There are income limitations associated with this loan and private mortgage insurance. BancorpSouth also participates in the Alabama Housing Finance Authorities Home Buyers Initiative loan. This too, is a zero down payment program. The great thing about this loan is that the property can be located ANYWHERE in the State of Alabama, city or rural areas. There is no private mortgage insurance. The total household income may not exceed $97,300 at this time. If you are or were in the Military/ Reserve/ National Guard, then you may qualify for the VA loan. There are no geographical limitations and no Private Mortgage Insurance (PMI). If you are interested in getting pre-qualified or have questions about the purchase of your next home, please give our friends at BancorpSouth and Lisa Blake a call- 256.337.5729

 

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Historic Downtown Huntsville AL Five Points

Enjoy the easy Life in this Historic Downtown Huntsville, AL Craftsman Bungalow. We will be having Open House this Sunday September 21. We have some great prizes to give away courtesy of Huntsville Adventure Bootcamp- Free Week, Blu Healing Spa by Danielle Knight- Free Massage, and from Acopia® Home Loans and Heidi Richey we have a Gift Card to Restaurant 1892 East in Five Points. Also if you share this post and stop by the open house we are drawing for $100 CASH PRIZE. See you there!

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short sale, pre-foreclosure, deed-in-lieu the same as a foreclosure

Is a short sale, pre-foreclosure, deed-in-lieu the same as a foreclosure?

 

No, the terms in the title above all have different definitions when it comes to getting a mortgage loan.

 

A short-sale, sometimes referred to as a pre-foreclosure sale, is when you have a mortgage on a home and you have decided to sell the home but the proceeds of the sale would not be enough to satisfy the mortgage debt in full. You must have your lenders approval to do this. This is when the lender has settled for less than the balance on the loan. Be careful with this as many lenders will require you to get behind on your mortgage payments before they will accept this type of arrangement.

 

A dee-iin0lieu of foreclosure takes place when the borrower gives back the property rather than go through the formal foreclosure proceedings. The lender will have to accept this arrangement also. When it comes to getting a mortgage loan, it will impact your credit as a regular foreclosure.

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I Had A Foreclosure, Now I’ll Never Be Able To Buy A Home!?

 

 

The answer is a big fat, YES YOU WILL, but it will take some time before you can qualify. That is unless you have just come into some large (unmarked) stacks of cash. If that is the case do not delay call me immediately!![row]
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Address: 2410 L&N Drive, Huntsville, AL 35801
United States
Phone: 256 348 5572
Jim
GPS: 34.016811
-118.469009

 

 

Back to our regularly scheduled info piece.

The most lenient loan programs to get qualified after this type of financial event are Government programs, such as VA, FHA and Rural House loans. They all have a guideline of 3 years since the date of the foreclosure sale. Conventional loans, such as Fannie/ Freddie, have a minimum 7 years waiting period. So if you haven’t stumbled upon that bag of cash just sit back and keep your finances in check. That time will fly by.

If you can document an extenuating circumstance that lead to the foreclosure sale, reduced time periods are allowed. An extenuating event is described as circumstances beyond the control of the borrower, such as a serious illness or death of a wage earner. You must be able to document the event in a satisfactory way to an underwriter. Now, events such as a divorce or the inability to sell the property perhaps due to a job transfer or relocation will most likely not qualify as an extenuating circumstance. And, in most cases, you will need to have some re-established credit.

Thank you for your time, and if there is anything I can do to help you or someone you know in Real Estate please give me a call.

 

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How To Improve Your Credit Score

loan-app

Gone are the days when lenders would look at an applicant’s credit report and not be directed by a credit score. And like so many people in today’s economy, you’ve had some derogatory credit in the past but your financial future is looking up. Now you have applied for a loan and the loan originator has come back and told you that you were denied because you did not meet their minimum credit score requirements.

So, before you start home shopping, go take a look at your Credit Score and access your free credit report from all three agencies, Transunion, Experian and Equifax. You can do it every 12 months and it does not show as an inquiry on your on your report. If you see any accounts that are not yours, or that you have paid off, or have reported erroneous information, file your disputes and get it corrected ASAP.

 

A Few Things To Keep In Mind For Improving Credit Scores

Pay your bills on time

Keep your revolving accounts/ credit cards with a balance of no more 30% of your high credit limit

Don’t close accounts as a short term solution to improve credit- it doesn’t work!

Don’t open a lot of new accounts- it can look risky to a lender AND it can lower your account history age.

Don’t allow numerous creditors to pull your credit

Have credit cards but just manage them wisely- a good mix of credit cards and installment debt helps improve scores if paid on time.

 

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Gameday Football Saturdays Could Equal A Second Home

Have you ever thought about buying a second home?

So Johnny just graduated from Huntsville High School in Huntsville, AL and won a full scholarship to a BIG University in Alabama. Since you of course will be visiting him often or at least every weekend in the fall for Gameday Weekend, rather than staying in a hotel for $450 per night, why not consider buying a 2nd home in the lovely college town of your choice.

House-For-Sale

Seconds homes simply require a 10% down payment ( which you just saved because Johnny got a full ride) and the rates are the same as if you were purchasing a primary residence. With a second home, unfortunately, you are not allowed to generate any rental income, but he got a full ride and needs a quite place for all the studying that will be happening. Keep in mind also you can still have a competent Realtor® negotiate up to 6% of the purchase price to go towards closing costs, another bonus.