Calhoun County, AL Real Estate News

By Joye Hollis Ridgeway, - Homes, Land, Investment, Commercial
(AgentOwned Realty, Charleston SC)
The Christmas Train - Charleston, SC to Jacksonville, AL - Video At Christmastime I make the trip to my hometown of Jacksonville, AL coming from Charleston, SC.  Jacksonville is a small town with BIG Christmas decorations.  The Christmas train is the remains of what was an enormous disiplay in years pasts.  Be sure to see the Christmas decorations and train this year in Jacksonville, Alabama. By the way, this Jacksonville native sells real estate in Charleston, SC. Joye Ridgeway is your link to real estate in Chalreston, SC. The Christmas Train - Charleston, SC to Jacksonville, AL - Video
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I got to thinking back to my couple of years at Jacksonville State this morning when I was creating my Jacksonville, Alabama Real Estate page.  I still lived with my parents at the time in Anniston which was about 30 miles from campus and believe it or not I still walked to class.  Yep that's right I had to walk to class for about 3 weeks. Well yes I did have to walk to class everyday but was not as bad as you might think, you see I was broke at the time and my alternator went out in my car,  So every night I would put the battery on charge so that I could make it to my buddies apartment near campus, then I would charge the battery all day and drive home that night. However I still had to walk to all my classes and for those of you that have never been to Jacksonville my classes were sp...
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By Joye Hollis Ridgeway, - Homes, Land, Investment, Commercial
(AgentOwned Realty, Charleston SC)
Auburn at the Glendale BCS Fiesta Bowl festivities The next best thing to being at the Fiesta Bowl, is to have a friend that is at the Fiesta Bowl !  Video and pictures are coming from lifelong friend and Anniston native Rebecca Pugh Hamilton.  She's having a fabulous time, attending all Bud Light Fiesta Bowl events.  Besides winning tickets to the Fiesta Bowl, her posters have been published nationally.  I especially love her orange sunglasses !!   hey, It's great... to be.... an Auburn Tiger !! Video of The Auburn Greet in Glendale Video of The Auburn team going to practice     Photos and videos by Rebecca Pugh Hamilton. WAR EAGLE, from your like minded professional in Charleston, SC.  Your Auburn link to Charleston Real Estate. Auburn at the Glendale BCS Fiesta Bowl festivities
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By Joye Hollis Ridgeway, - Homes, Land, Investment, Commercial
(AgentOwned Realty, Charleston SC)
JSU Alumni House at Christmas - Jacksonville State University, Alabama It's been a long time since Jacksonville, Alabama has had snow at Christmas!  For years, the Alumni House at JSU as been a place where memories are made:  weddings, anniversaries, political celebrations, award cememonies, and civic meetings.   Let me be your link to real estate in Charleston, SC.  I was raised in Jacksonville, with the tunes of the Marching Southerns echoing in the background. Things to do in Charleston, SC for FREE Joye Hollis Ridgeway (843) 270-8665 JSU Alumni House at Christmas - Jacksonville State University, Alabama
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By Joye Hollis Ridgeway, - Homes, Land, Investment, Commercial
(AgentOwned Realty, Charleston SC)
Merry Christmas from Jacksonville, Alabama What a sight to see.....luminares lighting the streets of North Oaks in Jacksonville, Alabama.  It's a Christmas Eve tradition that began at the inception of the neighborhood and has continued throughout the years.  The homes are decorated..awaiting for Santa and the Christmas cheer. The Christmas Train on 9th Avenue in Jacksonville, Alabama Merry Christmas from Joye H. Ridgeway, your link to real estate in Charleston, SC. Things to do in Charleston, SC for FREE
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By Joye Hollis Ridgeway, - Homes, Land, Investment, Commercial
(AgentOwned Realty, Charleston SC)
Jacksonville State University  - Burgess-Snow Field at JSU Stadium, Jacksonville, Alabama WOW...it's a new day for JSU !! Home of the JSU Gamecocks and the Jacksonville State University Marching Southerners.  The $47 Million stadium expansion was completed Fall of 2010,  featuring: seven stories 400 dorm beds on four floors 33 luxury skyboxes on top three floors press area coaches booths radio and television facilities game management booth seating capacity of 24,000 2005 improvments included artificial turf 2007 improvements included two new state-of-the-art scoreboards, featuring video replay on large screen     Oh, by the way, I sell real estate in Charleston, SC, too. Jacksonville State University - Burgess-Snow field at JSU Stadium, Jacksonville, Alabama
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By Joye Hollis Ridgeway, - Homes, Land, Investment, Commercial
(AgentOwned Realty, Charleston SC)
I always enjoy taking the back roads when going to Alabama to visit my mother.  As I was departing Jacksonville, Alabama, I couldn't resist...I stopped the car and captured the moment !  Clean, crips country air on a bright and sunny day.. The background is part of Talladega National Forest, also known as the Foothills of the Appalachian Mountains.
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By Greg DeCristofaro
(Keller Williams Realty)
Can HAFA help me with a short sale in Oxford, Alabama?   In 2009, the Treasury Department introduced the HAFA program to provide a viable option for homeowners who are unable to keep their homes through the existing Home Affordable Modification Program (HAMP).   How can HAFA help with my short sale in Oxford, AL? HAFA provides incentives in connection with a short sale or a deed-in-lieu of foreclosure.   HAFA offers the following: * Complements HAMP by providing a viable alternative for borrowers (the current homeowners) who are HAMP eligible but nevertheless unable to keep their home. * Uses borrower financial and hardship information already collected in connection with consideration of a loan modification. * Allows borrowers to receive pre-approved short sales terms before listing th...
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By Greg DeCristofaro
(Keller Williams Realty)
How Does a Short Sale Effect My Credit Score?   The question is not as easy to answer as we would all like to think.  Credit scores are determined in a variety of ways, and there is no way a blog post is going to get you 100% up to date on it.  There are a few things you do need to know first...   There are 3 credit bureaus that calculate your credit score.  In Alabama, you are entitled to 1 free report from all 3 of them every year.  This is so you can check your report for accuracy.  The 3 agencies that track your credit for the lending institutions are:  Experian, Transunion and Equifax.  The 3 Credit Bureaus run a website called Annualcreditreport.com  You can order your free reports from this site.    OK, now onto the effect a Short Sale has on your credit score.  According to Fair...
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By Tim & Linda Kaylor
(East Central AL Homes | Keller Williams Realty Group)
If You Wanna Smoke 'Em You Gotta Have A Fire!   Remember the old saying; "Where there's smoke, there's fire."? Sometimes that's just not true.  If you don't believe me then follow these instructions: Step 1 - Build a fire.  I'm talking a really good flaming fire.  Pile that wood up and let that flame grow. Yes, you'll certainly have some smoke in the beginning, but have patience and you'll see a raging inferno.  Step 2 - Deprive that raging inferno of oxygen and fuel. Now watch what happens! Fire without fuel and oxygen will die out.  So answer me this!  When a once raging fire begins to die out, what happens?  Of course!  It begins to smolder and results in smoke.  Is the fire still there?  It's essence remains but without oxygen, the addition of fuel and a little effort to stoke it, t...
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Fannie Mae and the US Army announced a plan yesterday to help service men and women (and their immediate families) in the event of an injury of death.     The plan would allow the families a 6 month forbearance of either reduced payments or no payments so the family can concentrate on the more important issue.     A family may qualify for the program only if they have a loan provided through Fannie Mae.  The goal of this new program is to help reduce the number of foreclosures for military families dealing with injury or death.      It was great to wake up this morning and see something positive being done for our Service Men and Women!  They have a very difficult and dangerous job, and it's nice to see that someone is thinking of them.   If you are a service man or woman, you can find...
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Bike Riders in Calhoun County will love the Buckhorn Subdivision! Bike riders of any level will enjoy all that the new Buckhorn Subdivision has to offer. The Buckhorn Subdivision was started in 2006 by Gary Angel with Calhoun Development Co Inc.   He had a vision to create a family friendly environment with amenities that everyone could enjoy. The Subdivision is located in Weaver, Alabama just minutes from both Jacksonville and Anniston. It is walking distance from the Ladiga Trail. The Chief Ladiga Trail is Alabama's first rails-to-trails project. The 33-mile trail stretches from the Alabama-Georgia state line to Anniston. The Chief Ladiga is on the same rail corridor as the Silver Comet Trail in Georgia. The two are expected to be joined after the Cleburne County section is completed...
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By Greg DeCristofaro
(Keller Williams Realty)
Advantages of a Short Sale in Anniston, AL     As the recent problems with the US Economy continue, we are hearing these words more and more more often.. "Short Sale" ... What is it?  Well, to put it simply, a Short Sale is a bank accepting less than it is owed as full payment for a home.  (If you ever tried to trade in a car with high miles, you may have been "upside down" meaning you owe more money than the dealer is going to give you.. Well, short sales are the same thing, except instead of your car, you're "upside down" on your home).       A short sale will have a seriously negative effect on your credit report... almost as much of an effect as a foreclosre would.  Because of this, a lot of people feel there is no real advantage to a short sale because either way, you are leaving t...
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By Tim & Linda Kaylor
(East Central AL Homes | Keller Williams Realty Group)
Swift Short Sales Swift short sales is almost a misnomer. I mean after all, who has ever heard of a swift short sale.  Yet, it is possible. Short sales are one the most underutilized processes in dealing with the disposition of a property that has begun to sink below the surface on it's way to being "underwater". Why is the short sale process so underutilized? It's probably because the property owner doesn't see the need for one or the agent doesn't know enough about short sales to talk to their client about it.   Truth is...it can be an efficient and swift process, if eveyone involved is kept well informed, educated, and trained.  There has to be a plan in play and that plan must be executed with precision to simplify this process. When all of these facets are brought together a proces...
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By Greg DeCristofaro
(Keller Williams Realty)
As a Realtor, I am often asked the difference between a Short Sale and a Foreclosure.  After I explain the difference, I am usually met with the same response... "so, why would I care?  Both hurt my credit, and I walk away from my home with NOTHING either way."  The answer is easy... If your Short Sale is negotiated properly, you can be forgiven of any balances still due.  For example, if you owe $200,000 for a house and the bank forecloses and sells the house for $150,000... they can come after you for the $50,000 difference.  A properly negotiated short sale, however, will usually forgive you the rest of the debt.  In order to be sure your Short Sale is negotiated properly, it's always best to use a licensed Realtor and a Short Sale Consulting company.
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By Barry (Lynn) Miller Jr.
Lease purchase is a great alternative to home ownership if you tired of paying rent with no resolve or chance of ownering the property then you owe it to yourself to give me a call or visit my website.   Below you will find a link to Lease Purchase Homes for Sale if you need to contact me about a lease purchase or have questions about a lease purchase transaction you can reach me at 205-338-5555 or send me an e-mail at miller.exec@gmail.com   There are hundreds of Lease purchase property located in the Birmingham Metro area.  If you can find what your looking for give me a call.   FIND LEASE PURCHASE PROPERTY    
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Save Money and Energy Using energy wisely not only saves you money, it helps lower emissions and conserve resources. If you're looking for ways to lower your electric bill by improving your home or changing habits, start here.      Energy-Saving TipsIt's amazing what you can do and how much you can save. Find out how.    Energy Efficiency HouseTour our virtual house and get money-saving advice room by room.    Energy Check-UpTell us about your home and receive custom energy-saving recommendations and information.    Energy LibraryThe Energy Library offers home energy information using easy to understand terms and illustrations.      Energy Efficient Heating and CoolingLearn about efficient home heating and air conditioning.    ENERGY STAR®Find information on products and energy-efficie...
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For many American homeowners, interest paid on a mortgage is tax-deductible in the year in which it was paid. Knowing that, eligible homeowners can increase their 2009 tax deductions just by making their January 2010 mortgage payment before the end of the year. By paying in 2009, the mortgage interest paid can be applied against 2009's itemized tax deductions even though the payment isn't technically due until 2010. It can reduce your tax burden come Thursday, April 15, 2010. And lest you think you're paying the mortgage "in advance", remember that mortgage interest is paid in arrears; a payment due January 1 accounts for interest that accumulated in December 2009 anyway.  Tax planning is a complicated issue and not all homeowners qualify for mortgage interest tax deductions. Check wit...
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By Barry (Lynn) Miller Jr.
CONNECT WITH ME ON LINKEDIN     Most Real Estate Agents are missing the boat when it comes to this little tool.  I invited an agent who I had done business with in the past too join Linkedin so we could stay in touch and she sent me a response that my emails were unwanted.  That makes no sense to me does she not understand that Real Estate is Listing a house and selling it.  You first have to build the relationships with fellow Real Estate agents and with you Clients.  For those of you that are refussing to imbrass the changes to the way Real Estate is done you will be left out in the Cold. Some people say yeah I'll get around to it but a year goes by and you have done nothing-   I have closed 5 deals using my Social Networks in 2009 and I hope to triple that in 2010.   P.S. I accept a...
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This morning's jobs report is causing mortgage rates to rise, cappinga week during which rates have already jumped 3/8 percent off all-time lows. The government's November Non-Farm Payrolls report reinforced the notion that the recession is nearly over, if not over already. Just 11,000 jobs were lost last month -- much fewer than analysts had expected -- as the Unemployment Rate fell to 10.0%. If it seems strange to be talking economic recovery while Americans are still losing jobs -- 7.2 million since 2008 --  remember that data always needs context. See, analysts view employment figures as a lagging indicator for the economy.  This is because business owners tend to make hiring decisions based on how business has been -- not on how it will be at some point in the future. The jobs rep...
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Calhoun County, AL Real Estate Professionals