A real estate investment can be the single largest financial commitment most people will ever make. Cottage Properties serves all of Baldwin County: Bay Minette, Spanish Fort, Daphne, Fairhope, Point Clear, Magnolia Springs, Fort Morgan, Gulf Shores, Orange Beach, Perdido Beach, Foley, Lillian, Elberta, Robertsdale, Summerdale, Loxley, Seminole, Silverhill, Malbis, Montrose, and North and Central Rural Baldwin County.
Custom style garden shed This historic style building can be used as garden shed, playhouse or attractive storage. Buildings, Trailers & More is the Leading Gulf Coast RV Dealer offering campers, cargo (enclosed) trailers, open trailers, portable buildings, gazebos, carports and more. The home has a wide central hall with living area on one side of the house and the bedrooms on the other.
This remarkable income producing Marina comes equipped with 70 wet slips, 35 of which are already leased. Finding a proper mortgage loan and understanding the processing procedures behind the loan is the basis of good research. Renovating your kitchen is an excellent way to improve its look, increase the value of your home and appeal to a more diverse range of home buyers if you decide to sell.
The truth behind short sales is that even though you can many times purchase a short sale home for a lot less than a traditional sale, it could take up to six months from the time that your Real Estate Agent gets the home under contract, to the time that the lender approves the short sale. During the short sale process the lender has a lot of work to do to determine if the homeowner even qualifies for short sale, or if they do have income to pay their mortgage. If the lender decides that the home cannot be sold close to market value they may ultimately decide to foreclose on the property and sell it as a Bank Owned Property although the foreclosure process takes longer than short sale and the home may sit vacant for up to one year until it’s bought at a deep discount. On the first day that the homeowner decides to short sell their home they must be prepared to do their due diligence and send the lender all of their required documentation from the very beginning, or else they may be required to submit more documentation to the lender, with a 72 hour time frame in which they must respond. Although many people think that foreclosure is the last resort, sometimes a bank many start both the short sale and foreclosure process at the same time. Neither the short sale nor foreclosure process will cancel out the other, so it’s important for a homeowner to be diligent about the documents and details that they submit to the lender during the short sale process since a short sale is actually better for your credit than foreclosure. In addition, we offer Real Estate Sales and Property Management Services in Mobile County and Dauphin Island. As well as financing, parts, and services in Mobile, AL and Saucier, MS and near Gulfport MS, Wiggins MS, Prichard AL, and Chickasaw AL.


We can also provide you with engineered blueprints to help you meet codes and get the proper permits, if needed. This working Marina comes with 5 acres, including it's own harbor, which provides easy access to Mobile Bay and the Gulf of Mexico. Inculdes all eguipment: 50 Ton travel lift, long-reach track hoe, dry docks, stands, and boat Repair equipment make it easy to redo, service, clean, or repair boats. The down payment on a mortgage loan is typically significant when dealing with mortgage insurance. However, a kitchen remodel can easily cost $10,000 to $20,000 or more, which is why you want to make choices that you can live with.
Each lender follows its own set of (unique) procedures when it comes to short sales, which can make the process confusing and frustrating. Many lenders require short sales to be 'as is' transactions, where credits for repairs are typically not negotiated or allowed.
On average, short sales can take significantly more time to close than a traditional transaction, many times 3-6 months, so patience with the process is absolutely essential. Custom cabinets, breakfast bar and ceramic tile in kitchen, stained concrete in bedrooms and hall, Wood flooring in family room. Open floor plan, Split bedrooms, Game room, seperate dinig room or sitting area, fened yard- privacy and chain link, small storage shed for yard equipment, has nice curb appeal, paved driveway to back of yard, covered back porch, carpet, ceramic tile, and laminate wood floors, bay windows in mater bedroom, attached laundry to kitchen.Seperate buffett area, ADT ready. Most loan applications with less than 20% down payment are required to include mortgage insurance with the loan.
Learning more about some of hottest trends for 2015 can help you decide what you want and don't want in your kitchen. We meet the requirements of both the Southern Standard Code and the Gulf Coast Building Code. However, mortgage insurance may still be required even if it's not typically required by your lender. 24 X 22 Rear carport over looking a nice landscaped yard.7 years warranty left on new AC unit. The home is completed with Double Pane Windows.The large eat-in kitchen and dining area allows for some easy entertaining.


Raised and indented ceilings in Master Bedroom and Main Living Separate Formal Dining Area. There are also some reports that homeowners will use oil rubbed bronze and darker pulls and handles on cabinets and drawers as opposed to flashy and contemporary chrome accents. Other trends include rustic farmhouse tables, double porcelain sinks and natural stone counters. Most lenders incorporate payment of private mortgage insurance in exchange for a slightly higher interest rate.
A covered private porch off the kitchen offers a breathtaking view .An over sized 2 Car garage.
This is one example of the points system on a mortgage application that eliminates the cost of PMI.
The increase in interest rate may or may not warrant the need for a lender-paid mortgage insurance arrangement.
Homeowners can also find counters made from old tires, soda bottles and other recycled goods.
Recessed lighting is one trendy accent that adds more space and reduces the number of fixtures and cords hanging down from the ceiling.
Other ways to add more space include adding an island with storage to the center of the room and cutting down on the number of cabinets lining the walls.
For example, VA and USDA loans do not usually require mortgage insurance if the borrower's credit and employment history are adequate. Conventional loans have a reduction in risk once there is at least 20% equity in the home compared to the principal of the mortgage.
Don't hesitate to contact a mortgage professional about potentially dropping mortgage insurance in the future to reduce overall loan costs. If you need a referral to a good mortgage professional in your area contact your trusted real estate agent for assistance.



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