Growing up in Birmingham, also known as the Magic City, I am familiar with this city and the surrounding areas of central Alabama, there aren’t many neighborhoods I don’t know. Birmingham has seen so much growth, change, and opportunity over the last few decades. It has turned out to be a fabulous place to live, work, and raise my family. My son, Cameron, is 17. He attends Briarwood Christian School and is a senior. I also have a beautiful stepdaughter, Isabella.
In 2020 I married Steve Hicks, a Hueytown native. We currently live in Shelby County with our pups Aspen & Stella. When I am not helping clients, my passions are cycling, hiking, travel, or anything outdoors. Montana is where I try to get away at least once each year. It feels like a second home to me and has a special place in my heart.
I have been an active full-time real estate agent for 20 years in the area and I don't see myself ever doing anything else. Real estate is so much more than houses (no two situations are ever the same). It allows me to accompany people through different stages of their lives. My aim is to be a valuable guide on that journey.
Real estate is my passion. The best part, however,is the many relationships I build and the friendships I make along the way. It is an investment in people, and I find that extremely rewarding.
How can I help you with your real estate needs? If you are looking to buy, sell, invest, or just chat, call me today!
A mortgage preapproval is a first assessment by a lender indicating how much money you are likely to be approved for when applying for a mortgage. It involves a detailed evaluation of your financial background, credit history, income, and debts It should always be done before starting to look for a home.
IMPORTANCE OF PRE-APPROVAL
*Determines Budget: Helps you understand how much house you can afford.
*Strengthens Offers: Proves to sellers that you are a serious buyer with financing likely to be secured
*Speeds Up the Process: Streamlines the final loan approval process once you have an accepted offer. Closing sooner sometimes wins the deal
QUESTIONS?
Contact your local Union Home Mortgage loan officer, to answer any of your questions and help you get started on your path to home ownership.
Daniel DiGuglielmo Area Sales Manager
/ Loan Officer
NMLS 267473
Phone: (205) 908-3587
Email: danieldteam@uhm.com
Current Mortgage Environment: The Fed’s large cut has Complex Effects
In today’s challenging mortgage environment, many are looking for clarity amid market fluctuations As a 20-year veteran loan officer, I’ve seen firsthand the impact of shifting economic policies, historical trends and particularly recent Federal Reserve rate cuts
The Fed’s decision to lower rates is typically aimed at stimulating economic activity by making borrowing cheaper. While the Fed doesn’t directly set mortgage rates, their actions influence them. This recent .5% cut, however, has had a somewhat muted effect on mortgage rates Why? Mortgage rates are tied to the bond market, which factors in long-term expectations of inflation and economic health Even though the Fed cut short-term rates, uncertainty about inflation and other economic concerns has caused bond yields and mortgage rates to remain relatively steady Anticipation of the Fed’s first cut in years has helped lower 30-year mortgage rates considerably since May of this year
Looking ahead, there is expectation that the Fed will continue to cut rates in the coming 12-18 months to stabilize the economy. These anticipated cuts should bring downward pressure on mortgage rates, but the extent will depend on how the broader economy performs. Lower rates will allow recent buyers to consider refinancing and should boost buyer demand and lead to a stronger than typical fall housing market This in turn may further tighten housing inventory and intensify competition among buyers
It’s important to note, there is a ‘cost to waiting’ for lower mortgage rates and that may not always be the best strategy when wanting to buy a home Buyers who delay their purchase in hopes of securing a lower rate could find themselves in a market where home prices have risen due to increased demand and limited supply In other words, while they may get a lower interest rate, they might end up paying more for the home itself. Additionally, with more buyers competing for fewer homes, they could be forced to offer above asking price to win the bid, negating any potential savings from a lower rate. Timing is critical, and buyers who act now may avoid the cost of waiting. The right time to buy is different for everyone.
At Union Home Mortgage, my team and I are committed to delivering World Class Service and working closely with our borrowers and realtor partners to create a seamless experience for everyone Together, we can help navigate this evolving market with confidence
Why you need to include this affordable maintenance job on your to-do list.
Pressure washing your home will remove years of dirt, grime, and pollen from your siding, walkways, and driveway, giving your home a fresh and clean look. A clean exterior helps highlight the home’s condition, which can lead to higher offers and quicker sales.
BENEFITS INCLUDE:
Boost curb appeal. Increase home value. Let in more light. Prevent expensive repairs. Make a great first-impression on potential buyers.
Something as simple as pressure washing your house before listing it with an agent, can help you get a higher price when you sell it. Your professional photos will look amazing!
COME LIST WITH ME
Let’s get your home market-ready! List with Michelle Lagle Hicks before February 2025 and get *up to $250 off your pressure washing package with Paul’s Pressure Washing on me.
*Discount based on square footage)
e several resources for you that will e in and ease the burden of moving, downsizing, and transitioning.
me with any questions...205.369.8815
SEASONAL HOME CHANGES
“Change is the only constant in life, and the seasons have their own unique way of reminding us of that." - Anonymous.
Fire Pits and Heaters: Install a fire pit or outdoor heaters to keep the space warm during cooler fall evenings.
Cozy Seating Areas: Arrange comfortable seating with weatherresistant cushions and blankets to create inviting areas for relaxation.
Fall-Themed Decor: Use seasonal decorations like pumpkins, gourds, and autumn wreaths to enhance the ambiance.
Outdoor Lighting: Add string lights, lanterns, and path lights to create a warm and inviting atmosphere as the days get shorter.
Outdoor Cooking: Set up an outdoor kitchen or grill area for hosting fall cookouts and gatherings.
Covered Spaces: Use pergolas, gazebos, or retractable awnings to provide shelter from fall weather while still enjoying the outdoors.
Gardening: Plant fall flowers and shrubs like mums, pansies, and ornamental grasses to add color and texture.
Rugs and Mats: Use outdoor rugs and mats to define spaces and add warmth underfoot.
Water Features: Incorporate a small fountain or pond to add a soothing element to the outdoor space.
Entertainment Options: Set up an outdoor TV or projector for watching movies and sports games.
Windbreaks: Use outdoor curtains, screens, or trellises with climbing plants to create windbreaks and add privacy.
Fall-Friendly Plants: Include plants that thrive in cooler temperatures, such as kale, cabbage, and other ornamental vegetables.
Outdoor Dining: Create a dining area with a sturdy table and chairs for enjoying meals outdoors.
Seasonal Scents: Use scented candles or outdoor diffusers with fall fragrances like cinnamon, apple, and cedarwood.
Layered Textiles: Add layers of outdoor pillows, throws, and cushions in rich, warm colors and textures.
Portable Furniture: Use lightweight, portable furniture that can be easily moved or stored as needed.
Children’s Play Area: Designate a space with outdoor games and activities for kids.
Planters and Containers: Use decorative planters and containers to add height and interest with seasonal plants.
Bird Feeders and Houses: Attract wildlife with bird feeders and houses to enjoy nature up close.
Outdoor Art: Hang weatherproof art or sculptures to add personality and a touch of elegance.
What is title Insurance?
Owner’s title insurance protects your right to your home by searching, clearing, and insuring the title to your home before you buy it, Your owner’s title policy offers protection for your property rights for as long as you and your heirs own your home.
If ownership of your property ever comes into question, an owner’s title insurance policy protects you from expensive legal problems that could result in the potential loss of your home.
How does title insurance work?
As property changes hands, mistakes and irregularities – often made long before you expressed interest in the property – can place your ownership in dispute. Refer to our list of reasons why you need title insurance for the 20 most common
Title Insurance is the ultimate property protection!
If ownership of your property is ever challenged, title insurance will defend your possession of the property–and assume the legal costs of that defense–for as long as you and your heirs own the property. Plus, if any challenge to your property’s title proves to be legitimate, title insurance will pay for your losses.
Fraud in the execution of documents
Undue influence on a grantor of a deed
False impersonation by someone purporting to be the owner of the property
Errors in surveys
Undisclosed or missing heirs
Wills not properly probated
Misinterpretation of wills and trusts
Mental incompetence of a grantor of a deed
of title by a minor
Heirs born after the execution of a will
Incorrect legal descriptions
Non-delivery of deeds
Unsatisfied claims not shown on the record
Deeds executed under expired or false powers of attorney
Confusion due to similar or identical names
Dower or courtesy rights of spouses of former owners
Incorrect indexing of the land records
Clerical errors in recording legal documents
Delivery of deeds after the death of the Grantor
Welcome to this stunning 6 bed, 5 5 bath, all brick Indian Springs home w/ an incredible view! It is near Oak Mtn, State Park Conveniently located only 1 mile from I-65 This home is in immaculate move-in ready condition - attention has been given to every room As you enter, you'll immediately see the expansive great room & kitchen, which look out over the mountain The kitchen has a breakfast bar, eat-in area, and custom pantry Hardwoods are throughout the main & lower level The primary bedroom has a full wall of windows with a view Upstairs there are 4 bedrooms with 2 jack-n-jill baths and a large playroom w/built in storage & closet. Lower level: In-law suite w/full kitchen, bed, bath, office, 2nd full bath & theater rm. Lower level has upscale finishes & gorgeous views also and feels like main level living! 2 covered/screened porches. Recently finished retaining walls to extend playable back yard areas. Gated community Award winning Oak Mtn Schools
1041 Stagg Run Trail
REAL ESTATE... WHAT’S NEW SOLD
Indian Springs Village, AL 35124
Under Contract
New Construction! The Foster 2 Bedroom - Hoover's Premier Townhome Community conveniently located off Highway 280 and 119 has everything you're looking for! Families are falling in love with the Foster with its included 10ft ceilings on the main level, high-end designer touches from brick accent walls to designerinspired modern beams in your living room to your sleek new kitchen designs and finishes. Open-concept living spaces on the main level. Spacious secondary bedroom with a connected full bath. The spacious primary suite and bath are the perfect place to escape after a long day. Contact us today about all of the amazing home plans and Designer Collections Windsor Court has to offer.
For Sale
Welcome to the Lofts of Edenton!! This gorgeous townhome offers a very modern, uptown feel, Featuring low maintenance flooring throughout the home (aka NO carpet!), interior brick wall, exposed ceilings, stylish, upscale fixtures and recessed lighting. The open Kitchen has an oversized granite top island with ample storage, pantry, TWO pantries and a utility closet, granite counter tops, under cabinet lighting and stainless-steel appliances The master bedroom and guest bedroom, both with private baths are found on the second level as well as the laundry area and access to attic storage Outside, you'll find a fenced patio area for entertaining or just relaxing Edenton offers a great combination of nature and community with sidewalks, lots of green space and low maintenance living, too! Courtesy of - Amy Drinkwater
REAL ESTATE...
Welcome to 455 McGuire Road! Beautiful 4 bed / 3 bath home in the Indian Springs community. Spacious living room. Kitchen includes an eat in area & stainless-steel appliances Primary suite is on the main level The lower level features a den/ family room, full bath and additional bedroom Enjoy the outdoors in comfort from the screened in porch. Zoned for award winning Oak Mountain schools. Schedule your showing today! Listing courtesy of Nicole Boette
3260 Yellowhammer Drive
Irondale, AL 35210
Beautifully maintained home located in the heart of Irondale offers the perfect combination of comfort, convenience, & modern living. Nestled in a quiet, family-friendly neighborhood, this home is just minutes from local shops, dining, & easy access to major highways Front door leads to an open living/dining room area w/ great natural light & room to entertain or relax w/ family & friends The fully updated kitchen features modern appliances, quartz countertops, lots of cabinet space & is ready for all your culinary adventures! A generous master suite on the main level ensures privacy & comfort after a long day Large backyard perfect for outdoor gatherings Enjoy the convenience of the main level garage great for unloading kids & groceries in addition to the 2 car basement garage & lots of unfinished space for future expansion Listing courtesy of Karen Burns
455 McGuire Road Pelham, AL 35124
ONE LEVEL LIVING! 4 sides brick home in the Hidden Forest Subdivision on the Alabaster/Montevallo line All one-level living with a dining room and an office at the front From there walk into a vaulted ceiling great room, which is open to the eat-in kitchen The kitchen has granite countertops and a stone rock backsplash Off the kitchen is a covered sun patio. Split bedroom floorplan. The backyard has a large flat fenced yard and grilling patio.
REAL ESTATE... WHAT’S NEW
Welcome to 1307 Eagle Park Road, a stunning property nestled in a soughtafter neighborhood that blends modern luxury w/ serene surroundings. This beautiful home offers an inviting atmosphere w/ its stylish design & premium features Upon entering the inviting foyer, you are greeted w/ a large, open-concept living area that seamlessly connects the dining space, & kitchen, perfect for both entertaining & everyday life. The kitchen is a chef’s dream, w/ stainless steel appliances, granite countertops, and a large island w/ seating Outdoor living is better with two large decks ideal for outdoor dining, relaxation, and gatherings overlooking the private back yard Whether you are seeking a family home or a quiet retreat, this property provides the perfect balance of elegance & comfort. Come see today! Listing courtesy of Karen Burns
Now is your chance to own a 3 bedroom, 2 bathroom home in this highly desirable neighborhood! Old Brook is hidden, convenient, quiet and a sidewalk neighborhood right off of highway 119 less than a half of a mile off of highway 280 Corner lot! Fenced in back yard with lots of privacy. Upon entering the home there is a nice sized foyer area with plenty of space to get in before entering into the living room. Hardwood floors are found throughout the main living areas in this home and carpet in the bedrooms Living room is fairly large, has tall ceilings, a gas fireplace, plenty of natural light, and is open to the kitchen This home features a split bedroom floor plan with the Large Master bedroom on one side of the home and the other two bedrooms on the opposite side. The major systems in the home (HVAC, Roof, Water Heater) are all around 5 years old Neutral paint throughout Back yard has an extended patio, several beautiful Japanese Maple's, and plenty of space for rest Listing courtesy of Shirley Hall
2040 Springfield Dr Chelsea, AL. 35043
Welcome to your dream home at 2040 Springfield Dr, Chelsea, AL!
This stunning residence boasts 4 spacious bedrooms, 2 5 baths & a versatile loft for an office, extra den, or play area. The extended foyer flows into an inviting family room with a cozy fireplace, opening to a beautifully designed kitchen with a dining area, pantry, and access to both covered & open patiosâ ideal for entertaining. The main level features hardwood floors throughout & a luxurious primary bedroom suite with a serene garden tub, separate sinks, & an expansive walk-in closet Upstairs, discover three additional bedrooms, a bathroom with stylish shiplap walls, & a walk-in attic offering ample storage. The fenced backyard ensures privacy & a safe space for children or pets The garage includes built-in shelving & fits a large SUV or truck Enjoy the open floor plan, natural light, & the convenience of a main-level laundry room. This home offers comfort, style, and functionality in a desirable neighborhood Listing courtesy of Stacey Adcock
REAL ESTATE...WHAT’S NEW
201 Sunset Lake Drive Chelsea, AL 35043
102 Lantana Circle Pelham, AL 35124
Welcome to 102 Lantana Circle! This one-level home is conveniently located near I65 and Hwy 31 in the sought after Ivy Brook neighborhood. The inviting foyer leads to the living area boasting high ceilings, gas fireplace and tons of natural light The kitchen features stainless appliances, a pantry, an eat-in area and French doors leading to the covered patio. The spacious master suite has a large walk-in closet and a private bath with a garden tub, separate shower and double sinks Two additional bedrooms are located off the foyer and share a bathroom. The private, covered patio is perfect for relaxing after a long day. Roof, water heater & HVAC all replaced within the last 2 years
You're going to love this gorgeous brick home located on 41 acre on a quiet dead-end street The main level features beautiful hardwood floors throughout. Enjoy family time in the den with the cozy gas log fireplace. The kitchen has white cabinets, stainless steel appliances and an eating area with a bay window overlooking the backyard There's also a separate dining room that could also make a great office, and a main level 1/2 bath. Upstairs you'll find 3 spacious bedrooms and 2 full baths. The master suite is spacious with a great master bath featuring his and her sinks, a relaxing garden tub, and a separate shower The basement has a perfect media room/den with a gas log fireplace as well as a 2 car garage. The backyard is amazing! The newly refreshed deck overlooks the private wooded yard. Perfect for relaxing and forgetting about that day at the office! Listing courtesy of Chad Beasley
“Home is where the Art is!”
Beginner
Crockpot White Chicken Chili
Ingredients
1bonelessskinlesschickenbreast(about3/4lb)($362)
1yellowonion($032)
2clovesgarlic($016)
1jalapeño(optional)($011)
116oz jarsalsaverde($259)
215oz canscannellinibeans($098)
115oz canpintobeans($089)
Directions
1 Tbsp ground cumin ($0.30)
1 tsp dried oregano ($0 10)
¼ tsp cayenne pepper ($0 02)
¼ tsp freshly ground black pepper ($0 03)
2 cups chicken broth ($0.26)
4 oz Monterey Jack cheese, shredded ($0 85)
Dice the onion and mince the garlic Slice the jalapeńo lengthwise, scrape out the seeds with a spoon, then dice Place the onion, garlic, jalapeño, and chicken breast in the bottom of a slow cooker. Drain and rinse the cannellini beans and pinto beans, then add them to the slow cooker, along with the cumin, oregano, cayenne, and freshly ground black pepper Pour the salsa over top Pour two cups of chicken broth over the contents in the cooker and then give everything a brief stir Place the lid on the slow cooker and cook on high for four hours, or on low for eight hours After four hours on high, or eight hours on low, carefully remove the chicken breast from the slow cooker and use two forks to shred the meat Return the meat to the slow cooker Stir the chili, slightly mashing the beans with the back of the spoon as you stir The mashed beans will help thicken the chili
Serve the chili topped with shredded Monterey Jack cheese. Other optional toppings include fresh cilantro, diced avocado, freshly squeeze lime, or tortilla chips
Tailgate Favorite
Beer Cheese Dip
Ingredients
3 Tbsp cornstarch
1 c. evaporated milk, divided
1 1/2 c (12 oz ) lager or amber ale
1 Tbsp. Dijon mustard
2 tsp Worcestershire sauce
1/2 tsp paprika
12 oz. sharp cheddar, shredded (about 3 c.)
1/2 tsp kosher salt (optional)
1 Tbsp. finely sliced chives Soft pretzels, for serving
Directions
Directions
Step 1 In a medium pot, whisk cornstarch and 1/2 cup milk until smooth. Add lager and remaining 1/2 cup milk, stir to combine, and bring to a boil over medium-high heat Cook, stirring occasionally, until thickened, about 1 minute Whisk in mustard, Worcestershire, and paprika until combined
Step 2 Reduce heat to low. Add cheese and stir until melted and incorporated; season with salt, if needed.
Step 3 Transfer dip to a serving bowl Top with chives Serve with pretzels alongside
SnackTime
Chocolate Chip Graham Balls
Ingredients
1 cup finely crushed graham crackers
1 cup chocolate chips
⅓ cup sweetened condensed milk
½ cup chopped nuts
Directions
Combine graham cracker crumbs, chocolate chips, and sweetened condensed milk in a mixing bowl Pour chopped nuts into a shallow bowl. Form graham cracker mixture into 1-inch balls and roll in nuts until coated Chill graham balls until set, about 1 hour
SIMPLE FALL DECOR IDEAS
Pumpkin Displays:
Use real or faux pumpkins in assorted sizes as centerpieces on tables and porches.
Candles:
Use fall-scented candles (like cinnamon or apple) to add warmth and fragrance to your space.
String Lights:
Hang string lights indoors or outdoors for a warm, inviting glow.
Autumn Wreaths:
Create or buy a wreath made of dried leaves, berries, or mini pumpkins for your front door.
Seasonal Flowers:
Arrange bouquets of sunflowers, chrysanthemums, or dahlias for a fresh pop of color.
Natural Elements:
Use pinecones, acorns, and branches in bowls or as part of table decor.
Cozy Blankets and Throws:
Drape warm, textured blankets over couches and chairs for a snug feel.
Table Settings:
Incorporate earthy tones in your tableware and add small gourds as decorations.
Harvest Baskets:
Fill baskets with seasonal fruits like apples and pears for a rustic touch.
Saturday, Oct 5 at Vanderbilt Commodores FirstBank
Oct 12
Saturday, Oct 19 at 16 Tennessee Volunteers Neyland Stadium, Knoxville, TN
Saturday, Oct 26 7 Missouri Tigers (HC) Bryant-Denny Stadium, Tuscaloosa, AL 3:30-8:00pm ET TV TBA
Saturday, Nov 2 OFF
Saturday, Nov. 9 at 12 LSU Tigers Tiger Stadium, Baton Rouge, LA
Saturday, Nov 16 Mercer Bears Bryant-Denny Stadium, Tuscaloosa, AL 2:00pm ET SECN+/ESPN+
Saturday, Nov 23 at 14 Oklahoma Sooners Gaylord Family OK Mem
Saturday, Nov 30 Auburn Tigers Bryant-Denny Stadium, Tuscaloosa, AL 3:30-8:00pm
Saturday, Dec. 7 SEC Championship
SEC Championship Game
Thursday, Aug 29 Alcorn State Braves Protective
Saturday, Sep. 7 at ULM Warhawks Malone Stadium, Monroe, LA 7:00pm
Saturday, Sep. 14
Saturday, Sep 21 OFF Saturday, Sep 28 Navy Midshipmen
Saturday, Oct. 5
Saturday, Oct. 12 at Army
Saturday, Oct 19 at USF Bulls
Saturday, Oct 26 OFF
Saturday, Nov. 2
Saturday, Nov 9 UConn
Saturday, Nov 16 at
Saturday, Nov. 23 Rice Owls
Saturday, Nov. 30 at Charlotte 49ersJerry
Dec
THE VALUE OF AGING IN PLACE
Healthcare Access: Birmingham is home to renowned healthcare facilities, including the University of Alabama at Birmingham (UAB) Hospital, providing comprehensive medical services and specialized geriatric care.
Senior Services: The city offers various programs through organizations like the Jefferson County Office of Senior Citizens Services, providing resources such as meal programs, transportation, and caregiver support.
Affordable Housing: Birmingham has affordable housing options for seniors, including assisted living facilities and independent living communities.
Community Engagement: Numerous community centers and programs cater to seniors, offering social activities, fitness classes, and educational workshops to keep them engaged and active.
Public Transportation: The Birmingham-Jefferson County Transit Authority (BJCTA) provides public transportation options that are seniorfriendly, making it easier for older adults to navigate the city.
Safety and Accessibility: Efforts to improve the city's infrastructure, such as safer sidewalks and pedestrian-friendly areas, enhance accessibility for seniors. These highlights make Birmingham an attractive place for seniors looking to age in place with a good quality of life.
LOCAL ASSISTED LIVING OPTIONS
Is a local assisted living facility best for you?
Here are 3 local options to consider.
Birmingham, AL 35242
Danberry at Inverness offers a rich, active retirement lifestyle combined with the most advanced and in-demand residential design. Residents enjoy stunning architecture, beautiful senior living apartment residences, and lovely grounds near Lake Heather. They are offered an impressive selection of fun and engaging activities focused on mental and physical wellness.
Whether it’s Independent Living, Assisted Living, or Memory Care, Danberry at Inverness is the perfect blend of beauty, hospitality, community, and care.
Birmingham, AL 35242
Assisted living and memory care in Birmingham, AL has never looked better. With the Double Oak Mountain and lush greenery surrounding our community, Proveer at Grande View is the scenic destination for seniors and families seeking personalized senior living in Birmingham.
In addition to our care services, we provide vibrant and modern living amenities and benefits such as spacious petfriendly floor plans, daily nutritious meals, and a full activities calendar. Let us help you or your loved one age in comfort with a scenery that is unmatched.
Helena, AL 35080
Maplewood Lane is an assisted living/ respite care facility that opened in 1995 and is licensed by the State of Alabama. Our highly trained, experienced, and caring staff truly enjoys caring for the elderly and adults with special needs.
Residents will be encouraged to live an active life through the many social activities we offer. We provide a home-like atmosphere with professional care, based on years of experience.
When it comes to aging in place, here are some key factors that will ensure the best quality of life...
Make necessary modifications to make the home safer and more accessible. This might include installing grab bars in bathrooms, widening doorways for wheelchair access, or adding ramps for entryways.
Connect with community support for local resources and services that can provide support, such as home healthcare agencies, meal delivery services, transportation assistance, and senior centers.
Continue to foster social engagement and stay connected with friends, family, and the community. Loneliness and isolation can have negative impacts on health and well-being, so participate in local social activities and clubs.
Get the technology and assistive devices to enhance your independence and safety at home This might include medical alert systems, smart home devices for monitoring and controlling home appliances, better lighting, or wearable health trackers.
Establish a plan for managing your healthcare needs as you age. This may involve selecting a primary care physician, discussing advance directives and end-of-life care preferences, and ensuring you have access to necessary medical services.
Have an emergency preparedness plan for responding to emergencies, including who to contact and what to do in various situations.
Develop a financial plan that accounts for the costs associated with aging in place, such as home modifications, healthcare expenses, and potential long-term care needs. This may involve consulting with a financial advisor or exploring options for government assistance programs.
Lastly, surround yourself with emotional support and encouragement throughout the process. Transitioning to aging in place can be challenging, and having a supportive network can make a significant difference in your overall well-being.
How do I know when the time is right to start the transition process out of my home?
Key Factors:
Safety concerns: If you are having difficulty performing daily tasks safely, such as bathing, dressing, or managing medications, assisted living may be necessary.
Healthcare needs: If you require regular medical supervision or assistance with managing chronic conditions, assisted living facilities can provide the necessary support.
Social isolation: Loneliness and social isolation can have detrimental effects on seniors' mental and emotional well-being. Assisted living communities offer social activities and companionship.
Mobility limitations: If mobility issues make it challenging for you to move around your home or community independently, assisted living with accessible facilities and support can improve your quality of life.
Caregiver stress: If family caregivers are experiencing burnout or finding it increasingly difficult to meet your needs, transitioning to assisted living can alleviate some of the burden.
Memory decline: If you are experiencing cognitive decline or dementia, assisted living communities with memory care services can provide specialized support and supervision.
Household maintenance: Difficulty with household chores, such as cleaning, cooking, and maintaining the home, can indicate the need for assisted living where these tasks are taken care of.
Financial considerations:
Assessing the affordability of assisted living compared to the costs of maintaining a home and hiring necessary services is crucial for long-term financial planning.
e several resources for you that will e in and ease the burden of moving, downsizing, and transitioning. me with any questions...205.369.8815
How does the FED cutting interest rates by .5% affect me as a home buyer?
If the Federal Reserve cuts interest rates by 0.5%, it generally means lower borrowing costs for home buyers. This most recent move is a cut in short-term interest rates, not mortgage rates, but it still has influence on the real estate market.
Here’s how it can impact them:
Lower Mortgage Rates: Mortgage interest rates are often influenced by the Fed's rate changes. A cut could lead to lower rates on new mortgages, making monthly payments more affordable.
Increased Affordability: With lower rates, buyers can afford a higher-priced home for the same monthly payment, potentially expanding their options.
Refinancing Opportunities: Current homeowners might consider refinancing their existing mortgages to take advantage of the lower rates, reducing their monthly payments or shortening the loan term.
Increased Demand: Lower rates can spur demand in the housing market, leading to more competition among buyers. This could drive home prices up if inventory remains low.
Economic Confidence: A rate cut often signals a move to stimulate the economy, which can boost consumer confidence and encourage more people to enter the housing market.
Lower interest rates make borrowing cheaper for consumers and businesses, encouraging spending and investment. This can help boost economic growth, increase job creation, and support markets, especially during times of economic uncertainty or slowdowns. The Fed typically lowers rates to combat low inflation or to respond to economic challenges, with the goal of fostering a more robust economic environment.
F I N A L T H O U G H T S . . .
Overall, a 0.5% cut in interest rates can make home buying more attractive, but buyers should also be mindful of the potential for increased competition and rising home prices.
Maintaining your home regularly is essential to ensuring it remains in good condition and safe for you and your family. Below is a comprehensive home maintenance checklist to guide you through the fall:
Clean Gutters and Downspouts:
Remove leaves and debris t prevent water damage.
Inspect Roof:
Check for damaged shingle or leaks that need repair
Service Heating System: Schedule a professional HVAC checkup to ensure efficiency.
Test Smoke and Carbon Monoxide Detectors: Replace batteries and ensu they are functioning properly.
Seal Windows and Doors
Check for drafts and apply caulk or weather stripping needed.
ater Heater: ediment buildup t fficiency.
d Store Outdoor e: rniture from ather by cleaning ng it indoors.
Exterior Paint: any peeling or aint to enhance al.
"Maintaining
Inspect Foundation:
Look for cracks and seal any openings to prevent pests.
Test Sump Pump: Ensure it’s functioning properly to avoid flooding in wet months.
ndscaping: s and shrubs to amage from winte
Clean Chimney:
If you have a fireplace, have it inspected and cleaned.
Review Home Security:
Check and update locks, security systems, and outdoor lighting.
e Sprinkler
d shut off the prevent freezing.
e tending a garden; with care and attention, it blooms into a sanctuary of comfort and joy."
FIRST TIME HOMEBUYERS & THE BENEFITS OF HOMEOWNERSHIP
Freedom allows you to make your home your own, in your style, and maintain your privacy.
Mortgage payments allow you to build equity, which adds up over time.
Your fixed-rate mortgage is predictable and fixed, it will not change over the life of the loan.
Tax benefits...deduct mortgage interest on your taxes!
“Homeownership isn't just about securing a place, it's about anchoring dreams.”
EXP BUYER CLIENT
YOUR Representation
SERVICES...
As a client of eXp, your interests will always be my top priority, upheld with the utmost integrity and fairness in all interactions. Together, we’ll review the buyer representation agreement and I’ll provide a comprehensive overview of my services, the advantages you’ll gain from my representation, and a transparent insight into my compensation structure.
Property Search Offer
I will listen carefully to your needs and wants and use my knowledge of the local market to select properties that fit your criteria and budget. You’ll get access to cutting-edge platforms such as, for example, eXp Exclusives (eXp’s proprietary listing network for on and off-market real property listings), that allow you to view and search for available properties according to your desired search criteria.
Transaction
I’ll monitor your transaction and keep you informed of all material updates from beginning to end. Throughout this process, I am committed to keeping you well-informed about all significant developments. Should any questions arise from relevant service providers in your transaction (such as your escrow officer, title officer, mortgage broker, etc ), I will work to ensure that those questions are promptly directed to the relevant parties.
Once you select a property, I’ll provide a Competitive Market Analysis and guide you through the process of crafting, presenting, and negotiating your offer, ensuring you stand out and secure the best terms possible.
Due Diligence
At your request, I can recommend qualified service providers who can provide you with a wide array of property-related inspection services. Following your receipt of any property-related inspection reports and you having an opportunity to consult with your respective qualified service providers, I will help you navigate all remedies available to you under your purchase contract, concerning any deficiencies identified in your property-related inspection reports
Your peace of mind and informed decisionmaking are my foremost priorities
Commitment to Fair Housing
My commitment to fair housing is unwavering. I pledge to strictly adhere to all applicable local, state, and federal fair housing laws, ensuring equitable treatment for all without exception.
Our Relationship
Although eXp’s duties will end upon completion of your transaction, our connection goes beyond the transaction. As a client of eXp, I’m committed to staying engaged with you at every stage - before, during, and after the sale As needed, I’ll facilitate introductions to local resources and service providers.
Communication is tailored to your preferences, ensuring you’re comfortable with the frequency and method of contact. My aim is to not just gain your trust and satisfaction, but to cultivate a lasting client relationship, where you become an eXp “client for life.” I also extend the same highquality service to those you recommend from your circle of friends, family, and colleagues.
THE BUYER ROADMAP
This is a brief summary of the timeline for purchasing your home. Remember, as your Real Estate Agent, I will be there to be sure you feel confident during each step of this process.
Interview
Find the right Real Estate Agent for you
Pre-Approval
Meet with a lender and get a pre-approval letter
Search
Begin your online home search
Earnest $
Deposit escrow and complete loan application within the time frame of the contract
Offer
After finding the right home, we will put in a strong offer and negotiate the terms of the contract
Inspections
Schedule inspections and negotiate any repair requests and issues from the inspection
Showings
We will set up showings and view the homes you are interested in
Financing
Order appraisal and obtain homeowners insurance
Last Steps
Receive clear to close from the lender and perform final walkthrough before closing
Closing
Hooray! Time to get your keys and celebrate buying your home
AGENT SERVICES
...
what happens behind the scenes when you sell
1. Prepare Listing Presentation for Sellers
2. Research Sellers Property Tax Info
3. Research Comparable Sold Properties for Sellers
4. Determine Average Days on Market
5 Gather Info From Sellers About Their Home
6. Meet With Sellers at Their Home
7. Get To Know Their Home
8. Present Listing Presentation
9. Advise on Repairs and/or Upgrades
10 Provide Home Seller To-Do
30. Explain appraisal process & pitfalls
31. Verify Homeowners Association Fees 32. Obtain a Copy of HOA Bylaws
44. Prepare Home For Photographer 45. Schedule Drone & 3D Tour Shoot
46 Get Seller’s Approval of All Marketing Materials 47. Input Property Listing Into The MLS 48. Create Virtual Tour Page 49. Verify Listing Data on 3rd Party Websites 50 Have Listing Proofread 51 Create Property Flyer 52. Have Extra Keys Made for Lockbox 53. Set-Up Showing Services 54. Help Owners Coordinate Showings
55. Gather Feedback After Each Showing 56. Keep track of Showing Activity 57. Update MLS Listing as Needed 58. Schedule Weekly Update Calls with Seller 59 Prepare “Net Sheet” For All Offers 60. Present All Offers to Seller
61. Obtain Pre-Approval Letter from Buyer’s Agent
62. Examine & Verify Buyer’s Qualifications
63. Examine & Verify Buyer’s Lender
64. Negotiate All Offers
65. Once Under Contract, Send to Title Company
66 Check Buyer’s Agent Has Received Copies
67. Change Property Status in MLS
68. Deliver Copies of Contact/Addendum to Seller
69. Keep Track of Copies for Office File
70 Coordinate Inspections with Sellers
71. Explain Buyer’s Inspection Objections to Sellers
72. Determine Seller’s Inspection Resolution
73. Get All Repair Agreements in Writing
74. Refer Trustworthy Contractors to Sellers
75. Meet Appraiser at the Property
76. Negotiate Any Unsatisfactory Appraisals
77. Confirm Clear-to-Close
78 Coordinate Closing Times & Location
79. Verify Title Company Has All Docs
80. Remind Sellers to Transfer Utilities
81. Make Sure All Parties Are Notified of Closing Time
82 Resolve Any Title Issues Before Closing
83. Receive and Carefully Review Closing Docs
84. Review Closing Figures With Seller
85. Confirm Repairs Have Been Made
86. Resolve Any Last Minute Issues
87. Attend Seller’s Closing
88. Pick Up Sign & Lock Box
89. Change Status in MLS to “Sold” v- OR BE FINED by the MLS!!!
90. Close Out Seller’s File With Brokerage
AGENT SERVICES
... what happens behind the scenes when you buy
31. Listen & Learn From Buyers At Each Showing
32. Keep Records of All Showings
33. Update Listing Agents with Buyer’s Feedback
34 Discuss Homeowner’s Associations
35. Estimate Expected Utility Usage Costs
36 Confirm Water Source and Status
37. Discuss Transferable Warranties
38 Explain Property Appraisal Process
39. Discuss Multiple Offer Situations
40 Create Practice Offer To Help Buyers Prepare
41. Provide Updated Housing Market Data to Buyers
42 Inform Buyers of Their Showing Activity Weekly
43. Update Buyers On Any Price Drops
44 Discuss MLS Data With Buyers At Showings
45. Find the Right Home for Buyers
46. Determine Property Inclusions & Exclusions
47. Prepare Sales Contract When Buyers are Ready
48. Educate Buyers On Sales Contract Options
49. Determine Need for LeadBased Paint Disclosure
50. Explain Home Warranty Options
51. Update Buyer’s Pre-Approval Letter
52. Discuss Loan Objection Deadlines
53. Choose a Closing Date
54. Verify Listing Data Is Correct 55. Review Comps With Buyers To Determine Value
56. Prepare & Submit Buyer’s Offer to Listing Agent
57. Negotiate Buyer's Offer With Listing Agent
58. Execute A Sales Contract & Disclosures
59. Once Under Contract, Send to Title Company
60. Coordinate Earnest Money Drop Off
61. Deliver Copies to Mortgage Lender
62. Obtain Copy of Seller’s Disclosure for Buyers
63. Deliver Copies of Contract/Addendum to Buyers
64. Obtain A Copy of HOA Bylaws
65 Keep Track of Copies for Office File
66. Coordinate Inspections with Buyers
67 Meet Inspector At The Property
68. Review Home Inspection with Buyers
69 Negotiate Inspection Objections
70. Get All Agreed Upon Repair Items in Writing
71 Verify any Existing Lease Agreements
72. Check In With Lender To Verify Loan Status
73 Check on the Appraisal Date
74. Negotiate Any Unsatisfactory Appraisals
75. Coordinate Closing Times & Location
76. Make Sure All Documents Are Fully Signed
77. Verify Title Company Has Everything Needed
78. Remind Buyers to Schedule Utilities
79. Make Sure All Parties Are Notified of Closing Time
80. Solve Any Title Problems Before Closing
81. Receive and Review Closing Documents
82. Review Closing Figures With Buyers
83. Confirm Repairs Have Been Made By Sellers
84. Perform Final Walk-Through with Buyers
85. Resolve Any Last Minute Issues
86 Get CDA Signed By Brokerage
87. Attend Closing with Buyers
88. Provide Home Warranty Paperwork
89 Give Keys and Accessories to Buyers
90. Close Out Buyer’s File Brokerage
home!LISTING YOUR
“Real estate cannot be lost or stolen, nor can it be carried away Purchased with common sense, paid for in full, and managed with reasonable care, it is about the safest investment in the world.”
Franklin D Roosevelt
“I cannot express enough how much Michelle helped through this whole process! Her professionalism and knowledge of the business was evident in her extremely timely responses and suggestions. She was very patient as my needs and “must haves” evolved. It was also extremely helpful that she would point out items both good and concerning to my untrained eyes. If you are in the market to find a new home, call Michelle! She will definitely help you find the right place to call home.”
TESTIMONIAL
“Michelle went above and beyond to make my home-buying experience effortlessly. She did all the work and kept me updated. I will definitely use her for my next home purchase.”
Marty Smith
TESTIMONIAL
“I would give Michelle 10 stars if I could She handled every aspect of the sale of my home with compassion and Professionalism. I’m very thankful for her.”
