Karina Morgan

Buying a home is often the largest personal finance transaction a person makes in his or her life. So it's critical that you make the right preparations and do the proper research. Regardless of unique situations and special circumstances, there are things you must do before buying a home.

1. Study the home buying process.
This will allow you to make better decisions and act confidently. Home buying lingo is a big part of this, so be sure to read through a few home-buying glossaries before you get into the thick of things.www.c21Rucker.com

2. Obtain your credit report.
Get a copy of your credit report and review it for errors. You can get copies from all three credit bureaus at once by visiting www.AnnualCreditReport.com. Mortgage lenders will review your credit with a fine-toothed comb, so you should do the same ... before they review it.www.RUCKERHOMESALES.COM

3. Fix credit errors quickly.
If you find an error on your credit report, go to the company's website where the report came from (TransUnion, Equifax or Experian) to contest it. It can take time to clean up an erroneous credit report, so get started as soon as you spot the error.www.Ruckermove.com

4. Check your debt-to-income ratio.
Mortgage lenders like to see a borrower's debt at (or below) 20% of net monthly income. If your debt exceeds 20% of your net monthly income, try to pay it down for applying for a mortgage loan. You'll have an easier qualification process and will likely qualify for a better rate.www.SELLINGENTERPRISE.COM

5. Determine your budget.
Use an online mortgage calculator to get an idea of how much you can afford to pay each month, and what that equates to in terms of a home price. This will give you a budget to work from, which will help you weed out the homes that are beyond your comfort zone.www.C21ENTERPRISE.COM

6. Start saving your cash.
This is one of the best things you can do before starting the home buying process, for a couple of reasons. First of all, mortgage lenders like to see that you have some cash reserves on hand. Secondly, you'll need cash reserves for any fees or costs that might arise.

7. Get pre-approved for a loan.www.DALEVILLEHOMES.COM
During pre-approval, a mortgage lender will review your credit, finances, debt, etc. and conditionally qualify you for a certain amount of mortgage. Sellers will take you more seriously if you have a pre-approval letter, and the process also helps identify any problems with your credit or other qualifying factors.

8. Avoid new lines of credit.
Try to keep your financial situation as "stable" and favorable as possible. It's a good idea to pay down some debt (see item #4 above) and to save up some cash. But the worst thing you can do is take out a new loan / line of credit. At best, this could make the qualification process take longer. At worst, it could tip the debt scales into the "greater than 20%" zone, which will make it harder to get a loan.www.RuckerPCS.com

9. Validate the asking price.
It's called an "asking price" for a good reason. No asking price is set in stone, and everything in real estate negotiable. So don't accept an asking price as being reasonable until you validate it through careful research. Compare the home / price to recent sales in the area. Your real estate agent can provide a comparative market analysis (CMA) to help you with this step.www.c21Rucker.com

10. Get a home inspection.
It is never -- I repeat, never -- wise to skip the home inspection. A house is a sizable investment, and the last thing you want is to find a bunch of things wrong with it after you've taken ownership. Home inspections are very affordable, and you cannot put a price on the peace of mind you'll have as a result of your inspection.www.C21ENTERPRISE.COM

God Bless you all.

Very Respectfully,

Karina Morgan

REALTOR, ABR, GRI
CENTURY 21 Regency Realty, Inc.
(334) 477-2694
www.RuckerPCS.com

We Support Our Troops

When selling your home in the Fort Rucker Real Estate area, there are no guarantees that a buyer will simply walk through the front door. In many cases, you may have to bring your home to the buyer in todays market.

Effective Cyber marketing Enterprise Real Estate will help ensure that your property receives maximum exposure to attract a ready, willing and able buyer. Does your agent use Virtual Tours, and show your listing on multiple websites.

The appearance of your home, a buyer's first impressions, and other considerations can also affect the sale of your home. Be sure to explore tips for increasing your home's value.

When preparing your home for sale, remember the importance of first impressions. The market isn't the only factor that influences whether you get your asking price. Appearance and overall condition play a major role.

Here are some easy things you can do to make your home more appealing to buyers. It is estimated that more than half the houses are sold before the buyers even get out of their cars. So stand across the street from your house and review its curb appeal.

Outside:

* Sweep front walkway.

* Remove newspapers, bikes and toys.

* Park extra cars away from the property.

* Trim back the shrubs.

* Apply fresh, clean paint throughout.

* Clean windows and window coverings throughout.

* Keep pet areas clean.

* Keep plumbing and all appliances in working order.

* Maintain all sealant (window, tub, shower, sinks, etc.) in good condition.

* Make sure roof and gutters are in good condition;

* Mow the lawn more frequently and plant flowers.

Inside:

* Kitchen and bathroom should shine.

* Quick once-over with the vacuum; carpets should be clean.

* Place fresh flowers in the main rooms.

* Put dishes away, unless setting a formal display for decoration.

* Make beds and put all clothes away.

* Enhance the spaciousness of each room.

* Open drapes and turn on lights for a brighter feel.

* Straighten closets.

* Put toys away.

* Turn off television.

* Play soft music on the radio/stereo.

* Keep pets out of the way and pet areas clean and odor-free.

* Secure jewelry, cash, prescription medication and other valuables.

Important Reminders

* Potential buyers usually feel more comfortable if the owners are not present.

* If people unaccompanied by an agent request to see your property, please refer them to your real estate professional for an appointment. Do not try to show it yourself without a Realtor present.

* Leave a number where you can be reached if you are leaving town, even for a weekend.

Are you looking for a real estate professional who knows the FORT RUCKER and Enterprise Alabama Real Estate market and can get the results you desire? Let me put my knowledge, experience, and dedication to work for you. Give me a call today, and I will immediately get to work for you.

As you move towards a possible decision on selling your home, or purchasing a new home in the Wiregrass Area, I hope you'll contact me. Let me know if I can be of further help in the process.

VIRTUAL TOURS ON ALL MY LISTINGS, Ask me about Cyber Advertising.

Please forward to anyone who may be moving to Fort Rucker in the future.

Click the Link Below: http://audiopostcard-003.com/Y.asp?7189970X1166

Stay in touch, feel free to call with any questions, anytime 24/7.
Sincerely,

Karina Morgan

REALTOR, ABR, GRI
CENTURY 21 Regency Realty, Inc.
(334) 477-2694
www.RuckerPCS.com

My Fort Rucker Real Estate Websites: www.ruckerpcs.com / www.c21Rucker.com / www.RUCKERHOMESALES.COM / www.Ruckermove.com

My Enterprise Alabama Real Estate Websites: www.SELLINGENTERPRISE.COM / www.C21ENTERPRISE.COM

My Daleville Alabama Real Estate Website: www.DALEVILLEHOMES.COM 

We Support Our Troops

The last thing any homeowner wants to think about is losing the family home.

No one expects to lose their house to foreclosure, but by understanding the foreclosure process

and what may lead up to it, you can be in a better position to recognize and address potential

problems that may impact your ability to make every mortgage payment on time.

In the contract you signed when your mortgage lender loaned you money to buy your house, you

agreed that if you can't repay the loan, the lender can foreclose to take ownership of the house.

If you do not pay your monthly mortgage payment, you are technically in default on your mortgage.

State laws vary, but generally, a loan that is as little as 90 days delinquent can be considered in foreclosure.

Your lender may send you a notice indicating that they are starting foreclosure proceedings,

but don't wait; take steps to prevent a foreclosure as soon as you realize you are having trouble

paying the mortgage!

Unexpected life changes are often a contributing factor to foreclosure, especially those that impact your

finances, such as:

Loss of employment or reduction of hours.

Major illness or injury.

Divorce or separation.

Death of a spouse.

Are you looking for a real estate professional who knows the FORT RUCKER and Enterprise Alabama Real Estate market and can get the results you desire? Let me put my knowledge, experience, and dedication to work for you. Give me a call today, and I will immediately get to work for you.

As you move towards a possible decision on selling your home, or purchasing a new home in the Wiregrass Area, I hope you'll contact me.

Let me know if I can be of further help in the process.

VIRTUAL TOURS ON ALL MY LISTINGS, Ask me about Cyber Advertising.

Please forward to anyone who may be moving to Fort Rucker in the future.

Click the Link Below: http://audiopostcard-003.com/Y.asp?7189970X1166

Stay in touch, feel free to call with any questions, anytime 24/7.
Sincerely,

Karina Morgan

REALTOR, ABR, GRI
CENTURY 21 Regency Realty, Inc.
(334) 477-2694
www.RuckerPCS.com

We Support Our Troops

My Fort Rucker Real Estate Websites: www.ruckerpcs.com / www.c21Rucker.com / www.RUCKERHOMESALES.COM / www.Ruckermove.com

My Enterprise Alabama Real Estate Websites: www.SELLINGENTERPRISE.COM / www.C21ENTERPRISE.COM

My Daleville Alabama Real Estate Website: www.DALEVILLEHOMES.COM 

There may not be a major life change to signal potential trouble, you simply may be having a difficult

time properly managing your finances. Don't be fooled into thinking your credit card problems won't

affect your mortgage. It is important to realize that financial difficulties in one area can, and often do,

spill over to other areas. These difficulties are all warning signs of financial problems that can lead

to foreclosure on your home if you do not act quickly.

They include:

Maxing out credit cards.

Using credit to pay for day-to-day expenses, such as groceries, utilities, etc.

Being unable to pay your bills on time.

Paying only the minimum amount on credit cards.

Applying for new credit cards after maxing out on existing ones.

Having to choose which bills to pay.

Are you looking for a real estate professional who knows the FORT RUCKER and Enterprise Alabama Real Estate market and can get the results you desire? Let me put my knowledge, experience, and dedication to work for you. Give me a call today, and I will immediately get to work for you.

As you move towards a possible decision on selling your home, or purchasing a new home in the Wiregrass Area, I hope you'll contact me.

Let me know if I can be of further help in the process.

VIRTUAL TOURS ON ALL MY LISTINGS, Ask me about Cyber Advertising.

Please forward to anyone who may be moving to Fort Rucker in the future.

Click the Link Below: http://audiopostcard-003.com/Y.asp?7189970X1166

Stay in touch, feel free to call with any questions, anytime 24/7.
Sincerely,

Karina Morgan

REALTOR, ABR, GRI
CENTURY 21 Regency Realty, Inc.
(334) 477-2694
www.RuckerPCS.com

We Support Our Troops

My Fort Rucker Real Estate Websites: www.ruckerpcs.com / www.c21Rucker.com / www.RUCKERHOMESALES.COM / www.Ruckermove.com

My Enterprise Alabama Real Estate Websites: www.SELLINGENTERPRISE.COM / www.C21ENTERPRISE.COM

My Daleville Alabama Real Estate Website: www.DALEVILLEHOMES.COM