Are you looking for your dream home?

Looking for the best deal on the market but not sure who to contact, who to trust? Well, take a few minutes and sign up for our services that will provide you with timely updates on available properties that fit your requirements.

Alex and Company Realty Offers One Stop Shopping for finding and financing your dream home.

• Professional Buyer Representation – Alabama is a Buyer Beware State. That means used Property is Sold or Leased “AS IS” in the State of Alabama. In other words, what you do not know can cost you. Trust the Alex and Company Team for all of your Real Estate Needs. Get your free report by joining our mailing list.

• Onsite Home Inspector: Ensure your home is beautiful and strong inside and out! Whether buying, selling, or investing, you need a home inspection and our one stop shopping location has House Calls Home Inspection at your service.

• Credit Counseling: Step securely into your new home and wealthy future! A little credit help can go a long way in lowering your down payment and interest rate. Our Movin’ On Up: 12 Ways to Improve Credit in 45 Days or Less can save you thousands. Get your free sample report by joining our mailing list.

Best of all, we have relationships with appraisers, title companies, repair companies, etc. Remember, you can use any service provider you choose, or we can provide you with a referral list.

Remember, there are hundreds of loan choices for all credit situations including FHA, VA, Conventional, Stated Income, No Money Down, Bond Money, Rural Housing, New Construction, etc. You need trusted guidance to help you make the best decision for your family.

 

  Why you should buy a home and how….
  • Savings – Home Equity represents the largest savings for most families.
    Also, when you sell, you can generally take up to $250,000 ($500,000) for a married couple) as gain without owing any federal income tax.

  • Wealth Building - When you pay your house note, you pay yourself and your money is working toward ownership. Part of each payment will reduce your balance. The difference between what you owe and the market value of your home is your equity. Over the last five years (1998-2002) national home prices have increased at an average of 5.4 percent annually. And while there’s no guarantee of appreciation, a 2001 study by the National Association of REALTORS® found that the typical homeowner has approximately $50,000 of unrealized gain in a home.

  • Tax breaks – The U.S. Tax Code lets you deduct the interest you pay on your mortgage, property taxes you pay, mortgage insurance as well as some of the costs involved in buying your home. Since personal interest on credit cards and cars may not be deductible, owning a home is a great way to keep more of your hard earned money.

  • Predictability - Unlike rent, your fixed mortgage payments will not go up over the years. Typically, your income will continue to rise so your housing budget will be fixed and affordable. However, keep in mind that property taxes and insurance costs will rise. Also, don’t forget to budget for home maintenance.

  • Freedom and Peace of Mind
    • The home is yours
    • You can decorate and landscape any way you want
    • You add value and character to the community
    • You can pass an asset on to your family
    • You can build equity for future retirement and investment
    • You have a fixed budget for family planning
    • You have fulfilled a great American Dream
    • You are considered a better credit risk
    • You can benefit from your investment for as long as you own the home.

  • Stability – Remaining in one neighborhood for several years gives you a chance to participate in community activities. It also lets you and your family establish lasting friendships, and offers your children the benefit of educational continuity. You have a stable environment for your family. Your kids have a place to play and wake up in the same bed. Statistically, people who own homes are healthier and commit less crimes.