SUNDAY JULY. 31, 2010  @  2:00  TO  4:00 Totaly remodeled kitchen, fresh paint, & in-laws quarters.

CONTACT AGENT TO ARRANGE YOUR PERSONAL OPEN HOUSE VIEWING CALL NOW!  CLICK ON HOUSE PICTURE TO VIEW e-VIRTUAL OPEN HOUSES.  THANK YOU FOR CHOOSING CENTURY 21 PATTY SNELL & ASSOCIATES........ Home located on Lake Tuscaloosa Slough. Unique floor plan with open spacious living/entertaining area with lots of windows that create such a beautiful view - wood steps to the dock. Don't Miss This!!!! ***MOLD*** "Bank of America Pre-qualification required on all offers. Free appraisal and credit report if buyer finances though Bank of America Home Loans. Please allow 2-3 business days for seller response."

CONTACT AGENT TO ARRANGE YOUR PERSONAL OPEN HOUSE VIEWING CALL NOW!  CLICK ON HOUSE PICTURE TO VIEW e-VIRTUAL OPEN HOUSES.  THANK YOU FOR CHOOSING CENTURY 21 PATTY SNELL & ASSOCIATES........ Picture perfect 2BR 2BA home on 1 street community. All rooms are large in this 1 level home. Main level laundry, very spacious kitchen with breakfast bar, built in microwave, huge eat-in space & french doors that lead out to open patio. Master bedroom with private full bath. 2nd bedroom with huge walk-in closet. Large great room with wood burning fireplace complete with gas logs. 1 car garage opens into the kitchen. Home has been updated with decorator colors. Approx .50 acres of beautiful land. City Park is located within walking distance.

CONTACT AGENT TO ARRANGE YOUR PERSONAL OPEN HOUSE VIEWING CALL NOW!  CLICK ON HOUSE PICTURE TO VIEW e-VIRTUAL OPEN HOUSES.  THANK YOU FOR CHOOSING CENTURY 21 PATTY SNELL & ASSOCIATES........LAKE VIEW!  LAKE VIEW!  Quality Built Custom, could not be rebuilt for this price, 2 story brick, 4500 sq ft, 4 bedrooms and 4 1/2 baths, all HW floors or custom stone, beautiful entry, freshly painted, New Gas water heater. Stove & dishwasher 3 yrs. old, roof 3 yrs. old, plenty of windows, Basement is finished w/kitchen & bath, New ceramic tile, Georgeous authenic HW floors. Brick fireplace-so much storage!! Large master-Master bath features marble floors & walls, huge walk-in closet in Master BR. Fireplace in LR & Den.

CONTACT AGENT TO ARRANGE YOUR PERSONAL OPEN HOUSE VIEWING CALL NOW!  CLICK ON HOUSE PICTURE TO VIEW e-VIRTUAL OPEN HOUSES.  THANK YOU FOR CHOOSING CENTURY 21 PATTY SNELL & ASSOCIATES........ Beautiful spacious home with new paint, wired workshop, ceramic tile baths & sunroom.

CONTACT AGENT TO ARRANGE YOUR PERSONAL OPEN HOUSE VIEWING CALL NOW!  CLICK ON HOUSE PICTURE TO VIEW e-VIRTUAL OPEN HOUSES.  THANK YOU FOR CHOOSING CENTURY 21 PATTY SNELL & ASSOCIATES........Great location! Verner school district! This great home features 4 bedrooms, 2 1/2 baths, formal dining room, living room, den with fireplace, built-in bookshelves, screened-in patio, large fenced backyard, wood laminate flooring, & more.

CONTACT AGENT TO ARRANGE YOUR PERSONAL OPEN HOUSE VIEWING CALL NOW!  CLICK ON HOUSE PICTURE TO VIEW e-VIRTUAL OPEN HOUSES.  THANK YOU FOR CHOOSING CENTURY 21 PATTY SNELL & ASSOCIATES........ Ageless Beauty Excellent condition w/refinished hardwood floors + many updates. Spacious floor plan - Kitchen has lots of beautiful hardwood cabinets - Indoor laundry room with windows overlooking large level lot. All appliances to remain. Total electric. ADT security system $44.00 per month would be transferred at time of sale.

CONTACT AGENT TO ARRANGE YOUR PERSONAL OPEN HOUSE VIEWING CALL NOW!  CLICK ON HOUSE PICTURE TO VIEW e-VIRTUAL OPEN HOUSES.  THANK YOU FOR CHOOSING CENTURY 21 PATTY SNELL & ASSOCIATES........Formal livingroom & dining room, updated kitchen, full basement, 2 screened porches, 2 decks by bridge. 14 acreas & in-ground pool, barn, large lake, large front porch, all brick, very private.

CONTACT AGENT TO ARRANGE YOUR PERSONAL OPEN HOUSE VIEWING CALL NOW!  CLICK ON HOUSE PICTURE TO VIEW e-VIRTUAL OPEN HOUSES.  THANK YOU FOR CHOOSING CENTURY 21 PATTY SNELL & ASSOCIATES........BEAUTIFUL HOME! WON'T LAST LONG! GREAT HOUSE FOR THE MONEY - GREAT LOCATION! - 2 CAR GARAGE - GREAT INVESTMENT OPPORTUNITY! CALL NOW!

CONTACT AGENT TO ARRANGE YOUR PERSONAL OPEN HOUSE VIEWING CALL NOW!  CLICK ON HOUSE PICTURE TO VIEW e-VIRTUAL OPEN HOUSES.  THANK YOU FOR CHOOSING CENTURY 21 PATTY SNELL & ASSOCIATES........Eastwood Villa's  -  Great homes off 15th Street. There are 14 homes to choose from - they will all be open

CONTACT AGENT TO ARRANGE YOUR PERSONAL OPEN HOUSE VIEWING CALL NOW!  CLICK ON HOUSE PICTURE TO VIEW e-VIRTUAL OPEN HOUSES.  THANK YOU FOR CHOOSING CENTURY 21 PATTY SNELL & ASSOCIATES........New paint, fenced deck, new picket fence, enclosed deck & house. New siding on screened sun porch. Transferable Home Warranty. Garage refrigerator remains & is in working order.

CONTACT AGENT TO ARRANGE YOUR PERSONAL OPEN HOUSE VIEWING CALL NOW!  CLICK ON HOUSE PICTURE TO VIEW e-VIRTUAL OPEN HOUSES.  THANK YOU FOR CHOOSING CENTURY 21 PATTY SNELL & ASSOCIATES........Great location for you to start a family. Large master bed, lovely bathroom with white ceramic tile. Unique fireplace and sunroom/bedroom. Also, great for investment property. Rented for $750 a month. Fenced in backyard

The Best Investment!

On an average about 60% of a home owners financial wealth is their home.

As a fairly general rule, homes appreciate about five percent a year. Some years will be more, some less. The figure will vary from neighborhood to neighborhood, and region to region.

Five percent may not seem like that much at first. Stocks (at times) appreciate much more, and you could earn over six percent with the safest investment of all, treasury bonds.

But take a second look…

Presumably, if you bought a $200,000 house, you did not pay cash for the home. You got a mortgage, too. Suppose you put as much as twenty percent down – that would be an investment of $40,000.

At an appreciation rate of 5% annually, a $200,000 home would increase in value $10,000 during the first year. That means you earned $10,000 with an investment of $40,000. Your annual "return on investment" would be a whopping twenty-five percent.

Of course, you are making mortgage payments and paying property taxes, along with a couple of other costs. However, since the interest on your mortgage and your property taxes are both tax deductible, the government is essentially subsidizing your home purchase.

Your rate of return when buying a home is higher than most any other investment you could make.
If you are moving to a home for the first time, you are going to be very pleased with all the new space you have available. You may have to even buy more "stuff."

Income Tax Savings

Because of income tax deductions, the government is basically subsidizing your purchase of a home. All of the interest and property taxes you pay in a given year can be deducted from your gross income to reduce your taxable income.

For example, assume your initial loan balance is $150,000 with an interest rate of eight percent. During the first year you would pay $9969.27 in interest. If your first payment is January 1st, your taxable income would be almost $10,000 less – due to the IRS interest rate deduction.

Property taxes are deductible, too. Whatever property taxes you pay in a given year may also be deducted from your gross income, lowering your tax obligation.

Stable Monthly Housing Costs

When you rent a place to live, you can certainly expect your rent to increase each year – or even more often. If you get a fixed rate mortgage when you buy a home, you have the same monthly payment amount for thirty years. Even if you get an adjustable rate mortgage, your payment will stay within a certain range for the entire life of the mortgage – and interest rates aren’t as volatile now as they were in the late seventies and early eighties.

Imagine how much rent might be ten, fifteen, or even thirty years from now? Which makes more sense?

Forced Savings

Some people are just lousy at saving money, and a house is an automatic savings account. You accumulate savings in two ways. Every month, a portion of your payment goes toward the principal. Admittedly, in the early years of the mortgage, this is not much. Over time, however, it accelerates.
Second, your home appreciates. Average appreciation on a home is approximately five percent, though it will vary from year to year, and in some years may even depreciate.. Over time, history has shown that owning a home is one of the very best financial investments.

Freedom & Individualism

When you rent, you are normally limited on what you can do to improve your home. You have to get permission to make certain types of improvements. Nor does it make sense to spend thousand of dollars painting, putting in carpet, tile or window coverings when the main person who benefits is the landlord and not you.

Since your landlord wants to keep his expenses to a minimum, he or she will probably not be spending much to improve the place, either.
When you own a home, however, you can do pretty much whatever you want. You get the benefits of any improvements you make, plus you get to live in an environment you have created, not some faceless landlord.

More Space

Both indoors and outdoors, you will probably have more space if you own your own home. Even moving to a condominium from an apartment, you are likely to find you have much more room available – your own laundry and storage area, and bigger rooms. Apartment complexes are more interested in creating the maximum number of income-producing units than they are in creating space for each of the tenants.
If you are moving to a home for the first time, you are going to be very pleased with all the new space you have available. You may have to even buy more "stuff."