Honored. Humbled. Blessed.
I am honored to receive the ERA King Real Estate Newcomer of The Year Award for 2023 Anniston Market!
This award is given to a REALTOR who has contributed outstanding time and energy to the betterment of ERA King Real Estate organization and their community during the first 24 months in the business. Factors for consideration are contributions to the community as well as business accomplishments.
Home Buying Prep Checklist
When it comes to getting ready to move, be sure to check out this prep checklist to make it smooth. #tips #moving
-Buyers Consultations
-Organization
-Recommendations
-PreAppoved to Buy
Calhoun County Brick Program
The Calhoun County Chamber of Commerce is offering local Chamber partners an opportunity to purchase a brick! All bricks will be promoted at the front steps of the Chamber Entrance on Quintard Avenue in Anniston, AL.
Bricks can feature names, logos and personal designs. Contact Calhoun County Chamber of Commerce for the details!
The Bank in Oxford Now Open!
The Bank in Oxford is located in downtown Oxford, AL. Step back in time to a 1920’s, upscale, specialty eating and drinking experience.
Owners Chip and Gracie Jancsek started renovating The Bank soon after they opened Oxford’s newest plant store, SUCC It Up. The new speak easy will feature jazz music, charcuterie boards, old fashions and a great place to host events.
The Bank in Oxford is also conveniently located near Oxford, AL Oxford Performing Arts Center (OPAC). Walk and catch a show after enjoying an eve at The Oxford Bank located on 430 Main Street, Oxford, AL 36203.
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Alabama Moving Company
Alabama Moving Co. is a licensed and Insured moving company whose goal is making your move smooth!
Cleburne County, AL · St. Clair County, AL · Talladega County, AL · Jefferson County, AL · Randolph County, AL · Oxford, AL · Anniston, AL · Etowah County, AL · Calhoun County, AL
Redbird Willow Farm
“A Little Farm with a BIG PERSONALITY” in Calhoun County, Alabama
“IF YOU WANT TO HEAL, GO HELP SOMEONE”.
Someone said this to me two days after funeral services for our son. That was not the first time I’d heard that, but it certainly made a bigger impact than ever before.
We lost Justin in 2017 to suicide after a long battle with addiction. Bereaved, we began to seek ways to help others in an effort to hopefully help ourselves as well.
We attended and spoke at different events, and we hosted fundraisers for different charities. Whether it was suicide prevention, or advocating for addiction and mental health, nothing truly felt like the right fit for us to genuinely make a difference.
We were going through the motions, but actually not helping others or ourselves much in the process.
We had lost the most precious person in our lives and grappling to make sense of what we were supposed to do not only survive, but also to thrive after our son’s death.
We didn’t know when we started our little farm that it would actually help us restore hope and reclaim our faith.
We knew something was special when we found our first llama. She was a beautiful 7-year-old, pregnant llama named JUSTINE. We knew then we were on a special path and this was exactly what we were supposed to be doing.
Doing all the things that the farm requires daily, the feeling of Justin’s presence is very strong for us. Each day we find more peace, serenity and well-being. We truly believe animals have a sense of the struggles we all face, and the unconditional love they offer is one of the most healing experiences there is.
Our animals have caught millions of our tears and consoled us on our darkest days. They’ve put genuine smiles on our faces, and it’s our hope they do the same for you.
It is our privilege to share our healing experience with as many people as possible in Justin’s memory.
We hope you will join us to help experience this amazing love.
#JUSTINLIVESON
2023 Mortgage Information
Thank you Lendello Mortgage for providing this information on 2023 Mortgage Home Loans.
Home Mortgage Programs:
Conventional 3% Down Home Ready & Possible: 620 Credit Score, Income Limits, Area Restrictions, Reduced PMI
Conventional5% Down Program: 620 credit score, No income restrictions, PMI based on loan
FHA 3.5% Down Payment: 580 credit score, FHA Upfront PMI of 1.75%, monthly PMI 55%, seller can provided up to 6% of concessions
VA 0% Down … 100% Financing: 580 credit score, no PMI monthly, seller can pay 4% in concessions, 2.15% funding fee for first time user, 3.3% funding fee for subsequent
2023 Home Loan Information: Max Loan Amounts:
Conventional: $726,200
FHA: $472,030
USDA: No Max
VA: Contingent on guaranty entitlement
Max Seller Paid Concessions (Based on Sales Price)
Conventional: 3-5% down ….. 3% seller paid
Conventional: 10-20% down …. 6% seller paid
FHA: 3-5% …. 6% seller paid
VA: 0% down …. 4% seller paid
USDA: 0% down …. 6% seller paid