Huntsville Alabama Real Estate Information
Life is Good - So Love Where You Live - You're Never Sold Short in the Hands of the Davenport's
by Daniel Davenport on 07/23/10
Great Statistics for Sellers: Where do the buyers come from?
by Daniel Davenport on 07/12/10
Source www.Realtor.com
Visual Home Search Tool
by Daniel Davenport on 07/06/10
Use this great new tool from Trulia to search for your next Huntsville AL Area Home!
Top First Time Homebuyer Programs!!!
by Daniel Davenport on 07/01/10
First Time Home Buyer Programs
I receive alot of phone calls from first time homebuyers asking what sort of programs are out there for them, and while none of these programs are explicitly for them, they all have no or low downpayments which make it a great option for them! If you have any questions, please give me a call!
Programs:
1. 580-619 credit FHA- 3.5% downpayment. Buyer must have their own downpayment, which cannot be gifted. In alot of cases they will also need 2 months PITI in their bank account for reserves. We like to see 3 open and active tradelines that are roughly 12 months of age or more. We do NOT like late payments after a Bankruptcy. Needs rental history of on time, consistent 12 months of payments, verified either by a rental agency or cancelled checks. This program has the standard 2.25% Funding Fee, and lower monthly PMI than Conventional loans.
2. FHA- FHA is mistakenly thought of as, the First Time Home Buyer Loan. This program is wonderful because it accepts gifts from relatives and non-profit organizations for assistance with downpayment. The seller can contribute up to 6% of closing costs. There are fixed and adjustable rate options available. The maximum loan amount is currently set at $271,050 for most of Alabama on a 1 unit residence.
3. 203K Renovation Loans - Sometimes we can do these with a 580+ credit with the same requirements as above. The minimum loan size for these is $100,000. The 203K Renovation Loan, gives the borrower a chance to buy a house they really like and make some upgrades/improvements. The minimum downpayment is 3.5%, with the majority of the same rules as a standard FHA loan. However, if the property does not meet some of FHA's high property standards, they can be fixed using this loan.
4. $100 downpayment FHA- The homes at http://www.hooksvanholm.com/PropertyAlabama.aspx , qualify for $100 down! This is an awesome way for a first time home buyer to purchase a home.
5. Fannie Mae Homepath- Most of the homes at www.homepath.com qualify for our Homepath program! (We do not like homes that have the right of redemption still tied to it.) This is a 3% down program! Your monthly payment will not have PMI and there is no appraisal with this program! If you can find a house on this website, it is less costly than FHA because it does not have the Funding Fee, the monthly mortgage insurance payment, lower downpayment, and no appraisal fee!
6 . USDA- We are still funding USDA's! USDA is a 0% downpayment loan, that allows borrowers to purchase a home affordably! Typically the minimum FICO score is 620 and the home must meet eligibility requirements set by USDA. The best place to find a house that qualifies for this program is in Limestone County. We are using 3.5% for the Guarantee Fee. If the Guarantee Fee comes in less, we will issue a credit to the borrower.
Thank you!!!
Ashley L. Templeton
Mortgage Loan Originator
256-444-1252 Office
256-665-5427 Phone
256-261-1989 E-fax
City of Huntsville Alabama BRAC Information
by Daniel Davenport on 06/15/10
March 2010 Base Realignment and Closure (BRAC) Relocation Guide to Huntsville AL:
Slides Prepared for Relocating US Military/Government Personnel and Contractors - Prepared By the Office of the Mayor, City of Huntsville, Alabama.
Planning to move to HSV? For additional information and assistance, call Daniel and Chastity Davenport at EXIT Realty of the Valley, Huntsville AL at 256.529.0413 or email us at Info@DavenportAgents.com .
Relocate to and from Huntsville AL with Daniel and Chastity Davenport
by Daniel Davenport on 06/15/10
Huntsville AL Realtor - Client Reviews
by Daniel Davenport on 04/20/10
Testimonials directly from our most important priorities - Our Huntsville Alabama real estate clients
Kyle Thompson:
Daniel and Chastity Davenport have done a great job for us in finding a home. The service has been awesome and really helped us narrow down our choices. They were willing to meet us at any time of day on short notice to look at a house we were interested in. I would definitely recommend them to any first time homebuyers like my wife and I.
Melissa Aders:
We had extra good luck after we chose Daniel and Chastity to help us. They put our house on the market on a Friday, and it was sold by Sunday! They also helped us get an awesome deal on our new home that we are having built. We got extras thrown in with the new house that we wouldn't have even thought about without them. They were always available, and were willing to meet with us on our schedule. I would recommend them to anyone looking to buy or sell a home!
Tori Simms:
I met Chastity and Daniel at a bridal fair and talked to them soon after about buying our first home. They made us feel so comfortable... like we were picking out our first home with our friends! They are wonderful, very likeable people!! They gave us great advice and were more than willing to accommodate our schedules...they spent their Valentines Day with us driving around Huntsville looking for the home we live in today! I would definitely recommend them to anyone looking to buy a home!
Amber Dupree:
I have known chastity since I was 13 and we went to church together, she is the most nice, caring person I know. My husband and I have been looking to buy a house and Chastity has shown us everything we need to get into a house, she will take time out of her day just to find a listing in a new zip code if I ask which is so sweet of her. She is an awesome real estate agent and is very good at what she does, and her husband is too. They are both the best real estate agents I have ever known. Anyone who chooses them to help get them into a house is dealing with the best there is.
Margie Evans:
I have known Chastity ever sense we were little, but after seeing Chastity and Daniel at the bridal fair, my fiance and I decided to use them as our buyers agent for our first house. We had no idea what to expect. We did not know exactly what we were looking for, but they always were able to show us the homes that seemed ...to fit us. They were great throughout the whole process. They definitely seemed to always have time for us, and were very reachable if we had any questions or concerns.
Jenny Mixon:
Thanks for your help guys ~ I do not think I could love another house this much!
New Homes Huntsville AL
by Daniel Davenport on 03/29/10
Northwest Madison County Anslee Farms Starting in Mid $200s Ashton Springs $230,000 - $350,000 Blake Station at Smith Farms $200,000 - $300,000 Chaney Cove $189,000 - $269,900 Cross Creek $211,000 - $271,000 Kelly Plantation $300,000 - $550,000 Lanier Lakes $160,000 - $240,000 Lanier Lakes $135,900 - $220s Oak Hills Estates $140s - $200s Research Station $160s - $180s Rock Creek $140,000 - $230s Summerfield $251,900 - $347,900 Northeast Madison County Berry Hill Estates $227,500 - $334,500 Coldwater Creek $130,000 - $190,000 Darylewood Estates $200,000 and above Edenshire $400,000 - $1,000,000+ Greenlawn Plantation $300,000 - $600,000 Hawks Ridge $429,900 - $779,900 Inspiration Pointe $201,900 - $331,000 Inspiration Pointe $179,000 - $539,000 Laurel Bend $190,000 - $250,000 Mt Carmel By The River $275,000 - $550,000 Mullins Bend $220,000 - $280,000 Nicholas Ridge $200,000 - $280,000 Shoal Creek $180,000 - $230,000 The Reserve of Riverside Landing $225,000 - $600,000
Southeast Madison County Ashtynn Manor $160,000 - $240s Ashtynn Manor $194,900 - $350,000 Carriage Park $140s - $220s Carrington $160,000 - $190,000+ Carrington $149,900 - $180s Cobblestone Cove $311,000 - $391,500 Gingerwood Estates $170,000 - $229,000 Highland Park Low $200,000 Inspiration of Green Mountain $600,000 - $1,000,000+ Legacy Preserve From upper $300s Marina Park Varying McMullen Cove $300,000 - $1,000,000+ Oakhurst Place $170,000 - $230s Renaissance $275,300 - $373,400 The Haven at River Ridge $221,900 - $273,400 The Preserve at Clayton Pond $500,000 - $2,000,000 The Retreat at River Ridge $264,400 - $364,400
Southwest Madison County Ashbury $147,900 - $180s Brighton Park $200,000 - $250,000 Browns Ferry Crossing $325,000 - $450,000 Chapel Hill of Madison $500,000 - $600,000 Forest Meadows in Lake Forest $360,000 - $475,000 Grove Park $200,000 - $300,000 Lauren Preserve $390,000 - $550,000 Legacy Cove $229,500 - $331,000 Magnolia Village $180s - $350s Midtowne on the Park $250,000 - $600,000 Millstone $281,000 - $378,700 Nickel Creek at River Landing $190’s - $240s Old Ivy $170,000 - $200s Olde Cobblestone $250,000 - $350,000 Rainbow Landing Starting from the $100s River Landing $139,900 - $250s RiverWoods $200’s - $250s Stone Crest $170,000 - $230,000+ Towne Lakes $130s - $170s Towne Lakes $109,900 - $160s Whitehall $500,000 - $800,000 Windstone $200s - Upper $400s
Limestone County Fieldstone $140’s - $225’s Fieldstone $138,900 - $200’s Greenbrier Woods Starting at mid - $200’s Legacy Grove $225,000 - $275,000+ Magnolia Terrace $320,000 - $870,000 Mill Creek Patio Homes $160,000 - $275,000
We provide BUYER AGENCY for New Homes Buyers purchasing in any of these neighborhoods.... FREE of charge. Don't go straight to the BUILDER first! Be smart, and take a NEW HOMES SPECIALIST that represents YOUR best interest and negotiates in your favor from the beginning.
Alabama Insurance Agents - Huntsville Area
by Daniel Davenport on 03/05/10
Agency Hours: Mon-Fri: 8:30 am - 5:30 pm; Sat, Sun: Closed
Agency Location: The Wiggins Agency, Inc., 4040 Balmoral Dr SW, Huntsville, AL 35801 Map
Contact Info: Office: (256) 881-1100 / Fax: (256) 881-1102 / Toll Free: (866) 714-1100
Insurance Services: Auto - Motorcycle - Homeowners - Condominium - Renters Business - Boat - Flood
Craig Wiggins Background: As a Personal Financial Representative in Huntsville, I know many local families. My knowledge and understanding of the people in this community help me provide customers with an outstanding level of service. I look forward to helping families like yours protect the things that are important – your family, home, car and more. I can also help you prepare a strategy to achieve your financial goals.
Community Service: Chamber of Commerce - DARE - GIVE - NAIFA - BBB
Awards and Recognitions: Chairman's Inner Circle, 6 years, Chairman's Conference, 7 years, National Conference Award, 8 years, Honor Ring, 10 years, Allstate Leader's Forum, 7 years, Agency Achievement Award, 1 year Craig Wiggins is licensed to sell Allstate insurance products only in the state(s) of Alabama or Tennessee. If you do not reside in the state(s) of Alabama or Tennessee or you’re not insuring property located in the state(s) of Alabama or Tennessee, please go to the Find an Agent section on allstate.com to search for another agent.
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Huntsville, Madison, and Surrounding Areas Alabama Inspectors
by Daniel Davenport on 03/05/10
Local home inspector for Northeast Alabama Area
James (Jim) Blue
362 Honeycomb Road
Grant, AL 35747
tel: 256.509.3512
fax: 256.582.6943
James.Blue@pillartopost.com
Welcome to Pillar To Post. As part of your community, we are pleased to provide our local customers real estate professionals, home buyers and home sellers with a home inspection service that brings to the buying or selling of a home unmatched quality, precision, integrity, and professionalism.
We call what we do The Moment of Truth. It is the moment when the emotion of buying and selling a home meets the reality of the issues of that home. Our work is to communicate effectively, knowledgably, efficiently, and openly about the condition of a home. We understand that our customers trust us to inform and educate them about what we see and what we find, and this is a trust we hold in the highest regard.
Real estate professionals
For real estate professionals, our work is a commitment to the understanding that their reputation is our responsibility and that a relationship with us reinforces the confidence their clients have in them.
Home buyers
For the home buyer, our work is a detailed explanation of the condition of the potential new home to which an emotion tie is already being formed.
Home sellers
For the home seller our work is to honor the home they have lived in, and to report on its condition as they move on to their own new home.
For all of our customers, Pillar To Post considers the home a place of the heart, as it houses the people that are loved and the memories of lifetimes. This is why we call Pillar To Post The Home of Home Inspection.
To schedule an inspection at your convenience, call us or click here.
Real Estate Attorney Information - Huntsville Alabama
by Daniel Davenport on 03/05/10
Michael Moore & Helms - Attorneys at Law
Serving the Huntsville and North Alabama areas for more than 25 years.
Business Hours:
Mon - Fri
8:30 - 5:00
Located at:
912 Merchants Walk
Huntsville, Alabama 35801
256.533.1219
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The Line Team, LLC - Billie B. Line, JR. - Attorney At Law
908 A Merchant's Walk
Huntsville, AL 35801
256.489.3476
The Line Team provides the following legal services:
- Real Estate Closings
- Wills
- Probate & Estate
- General Practice
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Preferred Mortgage Lenders Serving the Huntsville AL area
by Daniel Davenport on 03/05/10
Kristin DeHollander-Ardal Call or email for professional, personal services: Purchase/Refinances - Farmers Home Loans - Bond Loans - Second Home/Investment Property - 1st Time Homebuyer Programs - Construction Perm Loans (1x Closing) - No PMI Programs - Extended Rate Locks/New Construction __________________________________________________________________________________________________
Tammy McCurry Mortgage Loan Officer - RBC Bank
A little about Tammy: ___________________________________________________________________________________________________________________________
Home Loan Consultant
Bank of America Home Loans
cell: 256-655-0837
fax: 887-252-6893
Kristin_DeHollander-Ardal@bankofamerica.com 
Office: (256) 564-5755
Mobile: (256) 337-3175 Contact me 
As an RBC Bank mortgage consultant, I strive to provide a level of accuracy and expertise necessary to earn your trust. I understand that buying a home represents a significant financial investment and emotional commitment. As such, I view it as my personal responsibility to make sure you're satisfied with all facets of obtaining and closing your home mortgage. With 25 years experience in mortgage banking, my goal is to understand your specific needs and assist you in this decision.
I live in the Huntsville area with my husband and daughter. As a lifelong resident of this area, I'm very involved in our community and local charities. I am a member of the Huntsville Madison County Homebuilders Association, Huntsville Area Association of Realtors, Huntsville Madison County Chamber of Commerce and a Chamber Leadership graduate.
Free Huntsville AL Area Real Estate Services - Buyer Agency - Comparative Market Analysis (CMA)
by Daniel Davenport on 03/02/10
BUYING A HOME SOON (OR WITHIN THE NEXT 2 YEARS)
The Davenport Team helped me negotiate with the builder, and we were able to get every option and upgrade they offered included in the base price. MICHAEL AND MELISSA
- The Davenport Team helps BUYERS find homes for FREE called BUYER AGENCY, which makes us BUYER AGENTS.
- We interface and negotiate with any Builder and SELLER Agents (with the signs in yards).
- Important: The agent with the SIGN in the yard represents the SELLER, NOT YOU.
- We have a UNIVERSAL KEY that gets us into ALL LISTINGS, so we schedule appointments and take you inside to see them.
- We also negotiate with ALL BUILDERS for NEW CONSTRUCTION, which results in you paying A LOT less when you BUILD.
- We help you stay out of legal trouble, write offers, and represent YOU, the BUYER, 100% FREE.
- If this is YOU now or within the next 2 YEARS, simply fill out our UPCOMING BUYER FORM
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CURRENTLY OWN A HOME AND LOOKING TO SELL SOON (OR WITHIN THE NEXT 2 YEARS)
The Davenport Team listed my home on Friday, and we had an accepted offer on Sunday – 2 days! CURRENT CLIENT
- The Davenport Team offers a FREE MARKET APPRAISAL service to anyone that currently owns a home.
- Whether you are selling NOW or LATER, it is important to know your homes MARKET VALUE.
- Maybe you just want to know what the market is doing in your NEIGHBORHOOD
- To take advantage of this FREE service or to schedule a LISTING APPOINTMENT, simply fill out our CURRENT OWNER FORM
Distinguished Realtors serving the Huntsville and Madison AL area
by Daniel Davenport on 02/26/10
Daniel Davenport - Huntsville Alabama Realtor
Buyers and Sellers looking or selling in the Huntsville, AL area, get started with The Davenport Team here:
Daniel and Chastity have been happily married for almost five years and have two beautiful little boys! Since they are both native to Huntsville, they know this area best. Because they are currently in their second home, they have been a buyer and a seller first hand and understand the stress and anxiety that all home buyers and sellers feel during these processes. Daniel and Chastitys mission is to remove doubts and fears, keep you involved, provide knowledge and confidence behind your decisions, and facilitate a smooth and comfortable Huntsville Alabama area real estate transaction.
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