The housing market is very competitive right now-especially in our Huntsville/Madison Alabama and greater Tennessee Valley areas.
Increase your chances of securing your dream home by having a lender, like us, respond to you and your real estate agent quickly when you have home loan questions and needs such as a pre-approval letter sent over fast.
A faster offer allows your real estate agent to be a stronger negotiator for you!
Are you in the market for homeowners insurance? Here are our top 4 tips:
𝟭. 𝗔𝘀𝗸 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗔.𝗠. 𝗕𝗲𝘀𝘁 𝗥𝗮𝘁𝗶𝗻𝗴. Think of this as an insurance company's "report card," predicting its ability to meet its ongoing obligations to its insured.
𝟮. 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗴𝗮𝘁𝗲 𝗔𝗖𝗩 (𝗔𝗰𝘁𝘂𝗮𝗹 𝗖𝗮𝘀𝗵 𝗩𝗮𝗹𝘂𝗲) 𝘃𝘀. 𝗥𝗲𝗽𝗹𝗮𝗰𝗲𝗺𝗲𝗻𝘁 𝗖𝗼𝘀𝘁 𝗽𝗼𝗹𝗶𝗰𝗶𝗲𝘀. Simply put, Replacement Cost policies will pay the full original value of an item (in today's dollars) while ACV policies pay out based on depreciated value.
𝟯. 𝗚𝗲𝘁 𝗮𝗽𝗽𝗿𝗮𝗶𝘀𝗲𝗱 𝗲𝘃𝗲𝗿𝘆 𝟱 𝘆𝗲𝗮𝗿𝘀 to make sure you still have the correct amount of coverage.
𝟰. 𝗜𝗻𝗰𝗹𝘂𝗱𝗲 𝗱𝗲𝘁𝗮𝗰𝗵𝗲𝗱 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲𝘀 like sheds or barns on your policy, but only insure the structures that would definitely need to be replaced.
A BIG “THANK YOU!” goes out to all that follow us here on Instagram and that enjoy our posts @stewarthometeam! We really appreciate it👍🏡👍🏡 And for all of our friends that like our “Stewart Home Team” Facebook page come over to Instagram and give us a follow and vice versa!
This beautiful home went under contract this morning and our seller’s couldn’t be happier with the terms we helped negotiate for them😊🏡😊 Do you live in North Alabama? Thinking of selling your home? Want to list your home with some of the best in the real estate biz? Then contact us right here ➡️➡️➡️ @stewarthometeam ⬅️⬅️⬅️ to get started!
We had a great open house today with the awesome, Linda Kyser Blue, of Results Real Estate Solutions! Met several potential home buyers in need of her and our services👍🏡💲 Thanks for having us out Linda!
The home buying/mortgage process starts with what? That’s right-getting pre-approved for your new home loan so you and your realtor know exactly what home you can go shop for and what your loan closing costs and loan terms will be... And how do you get pre-approved for your new home loan if you live in Alabama? That’s right-you contact the #1 mortgage broker in North Alabama by messaging us right here!
What makes us the #1 rated mortgage broker in North Alabama? A: Great home loan pricing combined with great service which creates happy clients that refer and bring us their repeat business👍🏡💲 Here’s an example of our great pricing. The Loan Estimate on the left is a popular local competitor(because they advertise A LOT and pass the costs onto their customers) of ours. The Loan Estimate on the right is ours. We are saving this new home buyer over $100/month in interest that would just be going to the other lender AND we are also saving them over $1000 up front in closing costs.
These are real numbers. And this is something we do numerous times on a daily basis.