Wonderful home in Saraland School District

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SARALAND SCHOOL DISTRICT 1015 Cleveland Rd Saraland, AL 36571 2454 Square Feet with 4 bedrooms and 2 baths $144,900 Wonderful home in the heart of Saraland with over 2400 square feet! Open floor plan with laminate wood flooring in the living/dining and master bedroom. Kitchen features ceramic tile, breakfast bar, new back splash and new microwave. Large master bedroom downstairs with walk in closet. Large fenced back yard and circle driveway in front yard. Metal roof is less than 2 years old. Must walk thru fourth bedroom to get to the other two bedrooms upstairs. This bedroom would make a great office or nursery.

SARALAND SCHOOL DISTRICT
1015 Cleveland Rd
Saraland, AL 36571
2454 Square Feet with 4 bedrooms and 2 baths
$144,900
Wonderful home in the heart of Saraland with over 2400 square feet! Open floor plan with laminate wood flooring in the living/dining and master bedroom. Kitchen features ceramic tile, breakfast bar, new back splash and new microwave. Large master bedroom downstairs with walk in closet. Large fenced back yard and circle driveway in front yard. Metal roof is less than 2 years old. Must walk thru fourth bedroom to get to the other two bedrooms upstairs. This bedroom would make a great office or nursery.

A Pre-Approval?

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What is a pre-approved loan?

Every potential homebuyer should start the process of looking for a home with a visit to a reputable mortgage lender. A lender can give you a pre-qualification for a home loan based on your credit score and your stated income and assets.
A pre-approval requires complete documentation of your finances. Be prepared to provide verification of your income, employment history, and bank statements to prove you have the resources for a down payment, closing costs and cash reserves. 

Your lender will review your documents and discuss loan options with you, so you’re prepared to close as quickly as possible once you have a signed contract. The pre-approval will be based on all elements of the home loan other than the specific property you intend to buy.
The lender will tell you the maximum loan amount you can qualify for, but you should also be certain you understand the monthly payments associated with each loan—don’t get in over your head. After you have a pre-approved loan letter in hand, it’s important to maintain the same credit profile so that you can be certain that your loan approval is valid. Pay your bills on time and don’t apply for new credit, close any credit cards, or take on new debt.

(Author Michele Lerner, realtor.com)

8 Suggestions For First Time Homebuyers

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buyinghome

  • Know your monthly income and budget, including how much you spend on rent, utilities, entertainment, clothing, food and transportation.
  • Discuss your finances with your community banker before you begin looking for a home. It is important to stay within your means when purchasing a house.
  • Gather and organize paperwork and documents. Items you should have readily available include paycheck stubs, W2 forms, tax returns and bank and investment statements for the last two years.
  • Check your credit report so you are aware of what your current credit score is before applying for a loan. Credit reporting agencies must give you one free report annually.
  • Maxing out credit cards or falling behind on other loan payments could create issues when applying for a mortgage. Keep tabs on your spending habits before applying for a mortgage, and don’t go on a spending spree afterwards either.
  • Work with your community banker to figure out how much you can borrow and which mortgage product is right for you. Your local community banker can explain available mortgage options- including rate adjustments, fees and other loan features – so you are prepared for the loan closing and not surprised down the road.
  • Learn what current mortgage rates are. Your community banker can help you understand how that translates into monthly mortgage payments.
  • Check with your banker/lender for special first-time-homebuyer loan or grant programs available to assist with down payment and closing costs.

7 Apps To Help Decorate Your Home

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Sold By Connie

7 Apps To Help Decorate Your Home - Connie Wolff Remax Select Realty17 Apps To Help You Decorate Your Home- Decorating a home can be an extensive project but these useful tools can save time and provide inspiration. Whether you’re redecorating, renovating, planning or painting, here are 7 apps to help you decorate your home.

  1. ColorSchemer –  Create your own virtual color palettes from photos and save and share them with other user’s palettes.
  1. Photo Measure Lite – Measuring and saving the dimensions of a room is simplified with this app that allows users to snap a photo and add dimensions to any room.
  1. iHandy Level – Hanging and aligning pictures is made easy through this virtual level that’s able to measure angles and verticality. Say goodbye to crooked pictures!
  1. SnapShop – Unsure how new furniture will look in a room? Visualize furniture for any room in your house through snapping a photo and dropping the furniture from the app’s catalog…

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