Monday Morning Coffee With Al & Dee

Countless Americans diligently check the stock market everyday - on TV, online, and in print - but fail to take stock on an even weightier investment: their own home. Are you among the ninety-five percent of American homeowners who are unaware of the market value of your home?

WHA'T A COMPARATIVE MARKET ANALYSIS?                   

NEED A CMA? Or do you know of someone who may need to knwo to their home is worth? Perhaphs you would like to know what the home down the street sold for? Regardless, give us a call and we'll get right on it. Call us at 228.374.0880 or send us an email and we'll call you right away.

A Comparative Market Analysis, or CMA, provided by a real estate professional
can bring you up to speed. As the name suggets, a CMA compares your house with
similar ones on the market in your neighborhood during a specified time period.
This data, combined with the value of upgrades, will give you an accurate picture
of your home's worth. Remember, however, that your personalized CMA is a "snap-
shot" captured in past time, while the real estate market constantly fluctuates;
therefore, it's a good idea to obtain a new one each year.

The CMA is the only market based means of measuring value. When buying, selling
or refinancing, a CMA is essential in setting price and in choosing advantageous
timing. Still, there are numerous other reasons to run a CMA - to obtain a realistic
picture of your networth, to provide adequate replacement insurance, or to leverage
your equity. 

Of the people that you know, who do you think will be selling or purchasing
a home now or in the near future? It would be our pleasure to help them with service beyond what they would expect. Please call us at 228.374.0002 or contact us through our email.

Contributed by Al & Dee Allegue
Contact Us | (228) 374-0002 | www.alndee.com
Complimentary Mississippi Gulf Coast Real Estate Search 

     Monday Morning Coffee With Al & Dee

Our newest listing is a great home situated on two large fenced lots and near schools, shopping, hospitals, and entertainment.  Magnificent Victorian-style home with front porch and semi-turret.  Privately situated on two lots and towards the end of a cul-de-sac for maximum privacy and serenity.  Located in Floral Estates this three bedroom, two and one half bath home displays a spacious family room and formal room that can be used as a den for family times and entertainment.  Spacious dining room and kitchen with side door to the splendid fenced back yard.

Move your computer's mouse over the picture, click once and watch a great Virtual Tour!

Remember that when you know someone thinking or buying or selling real estate, please let us know and it'll be our pleasure to provide them with personalized serviced beyond what they would expect.

Would you like to see the inside of this home? Give as a call at 228.374.0002 or email us and we'll schedule the appointment right away!

Contributed by Al & Dee Allegue
Contact Us | (228) 374-0002 | www.alndee.com
Complimentary Mississippi Gulf Coast Real Estate Search  

     Monday Morning Coffee With Al & Dee

Maybe you've been feeling the need for more space, less space, or just different space. You've been wondering - which solution will give me what I want with the least financial hit? Here's one gauge to use: Expect moving to cost about 10 percent of your home's current value. If your remodel project can be done for less than that, stay and do it! But plan it with an eye on the potential resale value. Read on for ideas and tips that will help you take the lead in plotting your home remodel.

WHAT TO REMODEL 
When you're ready to nail down your plans (so to speak), here are           

WHY REMODEL?Ideally in resale you'll be able to regain the money you put into a remodel. With some projects, you may recoup more than you spend! Remember that payoff also depends on: -- Condition of the house overall -- Value of similar houses in the  neighborhood -- Availability of new homes in the area --  Rate at which property values are changing -- Location

suggestions from industry experts:

Kitchen   
Add usability with dual sinks and cooking stations. Add aesthetics with
commercial-quality and stainless steel appliances, stone or stainless
steel countertops and ceramic title back splashes. Add space with breakfast
nook or walk-in pantry. Add livability with computer desk, mudroom, or
hobby area.

Bathroom
Add light with skylights and glass blocks without loosing privacy. Add space
with walk-in dual showers, vaulted ceilings, recessed medicine cabinet, or a
curved curtain rod. Add functionality with twin sinks or vanities. Add aes-
thetics with ceramic tile or stone flooring, stone countertops, heated towel
bars and floors.

Siding
Remodeling the exterior is as much about maintenance as it is about curb
appeal. Vinyl siding looks fresh and tidy year after year with minimal upkeep.
With stucco siding, a new polymer covering can be sprayed or troweled onto
a fiberglass mesh base.

Windows
New windows will keep you realize additional savings in monthly bills. Pros-
pecive buyers view windows as they do other structural items, so failing to
update old ones can result in lower - or no - resale offers. Newer styles include
seamless bent-glass corner windows, curved glass, and casements with no center
stile.

According to Realtor Magazine Online, since 2002 four remodeling projects - kitchen, bathroom, siding and windows - have had the biggest return on investment at resale nationally.

Of the people that you know, who do you think will be selling or purchasing a home now or in the near future? It would be our pleasure to help them with service beyond what they would expect. Please call us at 228.374.0002 or contact us through our email.

Contributed by Al & Dee Allegue
Contact Us | (228) 374-0002 | www.alndee.com
Complimentary Mississippi Gulf Coast Real Estate Search 

     Monday Morning Coffee With Al & Dee

 Your credit score is one of the most important factors used to decide whether you will qualify for a major loan and what its terms will be.  Every day we see many would-be borrowers denied loans, while consumers with strong credit histories are getting great rates on mortgages, car loans and student loans. Understanding how your credit score is formulated is your first step when applying for a loan.

avoid multiple credit inquiries
Too many credit applications can lower your score. Multiple inquiries signal          Plan ahead
that you are having trouble securing a loan and may be a credit risk or                       Don't open new credit card
undesirable borrower. However, multiple inquiries from the same type of                accounts right before applying
lender, such as a mortgage company, are counted as a single inquiry if sub-             for a home or car loan. Having
mitted over a short period of time.                                                                                                too much credit can hurt you.

 reduce your debt-to-income ratio                                                                                                Four Parts to Credit Scores     
Creditors look for an optimal total debt load of around 36 percent of your                1. Your payment history (35%)
household income. If your monthly mortgage, car loan and revolving credit           2. How much you owe (30%)
card payments total more than 36 percent of your monthly salary, you will             3. Length of credit history (15%)
likely need to find a way to lower your overall debt before applying for a loan.        4. New credit & other factors (20%)

always pay more than the minimum due                                                                                     Get Our FREE Report
The easiest way to raise an ailing credit score is to make all your loan payments     Get our newest report titled
on time every month. Over the span of several months, you will likely see your      Creative Ways To Buy A Home.
credit score improve. When making credit card payments, you should set up           If your credit situation is less
automatic payments and always pay more than the minimum payment due.             than ideal, call us, we can help!

credit problems? wait a year
Wait 12 months following a credit problem before applying for a mortgage or
a car loan. You will be penalized less for problems that are more than a year old.

Contributed by Al & Dee Allegue
Contact Us | (228) 374-0002 | www.alndee.com
Complimentary Mississippi Gulf Coast Real Estate Search