Rates for today, Thursday, December 18, 2008 PURCHASES ONLY Conventional - 4.50% at 0 and 0 for 30 days for 30 years FHA/VA - 5.00% at 0 and 0 for 30 days for 30 years (Rates are subject to change.  Did you know that conventional rates are credit score driven??  Yes, they are!) Have a GREAT THURSDAY!  This is a great time to refinance out of that adjustable rate loan, or buy a home. Merry Christmas, Please forward to anyone who may be moving to or from, Fort Rucker in the future.   Click the Link Below http://audiopostcard-003.com/Y.asp?7189970X1166   Stay in touch, feel free to call with any questions, anytime 24/7. Sincerely,Karina Morgan REALTOR, ABRCentury 21 Regency Realty, Inc.(334) 477-2694www.RuckerPCS.com   We Support Our Troops 12/18/2008

Why use a REALTOR®? All real estate licensees are not the same. Only real estate licensees who are members of the NATIONAL ASSOCIATION OF REALTORS® are properly called REALTORS®. They proudly display the REALTOR "®" logo on the business card or other marketing and sales literature. REALTORS® are committed to treat all parties to a transaction honestly. REALTORS® subscribe to a strict code of ethics and are expected to maintain a higher level of knowledge of the process of buying and selling real estate. An independent survey reports that 84% of home buyers would use the same REALTOR® again. www.ruckerpcs.com Real estate transactions involve one of the biggest financial investments most people experience in their lifetime. Transactions today usually exceed $100,000. If you had a $100,000... 12/17/2008

Why use a REALTOR®? All real estate licensees are not the same. Only real estate licensees who are members of the NATIONAL ASSOCIATION OF REALTORS® are properly called REALTORS®. They proudly display the REALTOR "®" logo on the business card or other marketing and sales literature. REALTORS® are committed to treat all parties to a transaction honestly. REALTORS® subscribe to a strict code of ethics and are expected to maintain a higher level of knowledge of the process of buying and selling real estate. An independent survey reports that 84% of home buyers would use the same REALTOR® again. www.ruckerpcs.com Real estate transactions involve one of the biggest financial investments most people experience in their lifetime. Transactions today usually exceed $100,000. If you had a $100,000... 12/17/2008

    2009 Basic Enlisted Military Pay Chart The Department of Defense funding bill increases military service personnel 3.9% for the fiscal year 2009. This increase includes the Army, Navy, Marines, Coast Guard, Air Force and National Guard. The good news is that this bill has already been signed by President Bush and this pay raise will be effective by January 15, 2009. During a time of economic hurdles for some... this pay raise is well deserved. For more updated information, link to www.usmilitary.com for your latest military news and how to best benefit your GI Bill benefits.  Pay Grade Years of Service Less than 2 Over 2 Over 3 Over 4 Over 6 E-9           E-8           E-7 2515 2744 2851 2989 3098 E-6 2176 2393 2499 2603 2709 E-5 1993 2126 2230 2335 2498 E-4 1827 1921 2025 2127 221... 12/17/2008

FORT RUCKER / Daleville / Enterprise Girl Scouts authored: Michelle Tucker original post: www.Activerain.com Pictures courtesy: Michelle @ flicker        The Fort Rucker / Daleville Girl Scout Troops are now seeking new Scouts.  Get your young little lady involved in the Southern Alabama Girl Scout Troop. Your daughter will learn the Girl Scout Promise, The Girl Scout Law and learn to have courage is this challenging world, Confidence and build character. Located on Fort Rucker, the Girl Scouts, Boy Scouts and Cub Scouts have their own building. This makes it easier on Military families living on post, to get their children to the meetings and events. If you have any questions Contact the Fort Rucker / Daleville / Enterprise local Girl Scout office:  Becci Benson -Field Executive(334) 4... 12/16/2008

  2009 Basic Allowance for Housing Rates The 2009 Basic Allowance for Housing payment rates are now available. Basic Allowance for Housing (BAH) is based on geographic duty location, pay grade, and dependency status. BAH provides uniformed service members accurate and equitable housing compensation based on housing costs in local civilian housing markets, and is payable when government quarters are not provided. Since 2007 the BAH rates are now following the cost increases of the local rental housing markets. Although BAH rates will generally either remain stable or increase, there may be some areas that actually see a decrease in BAH rates. See what you can expect to get in 2009.  Please forward to anyone who may be moving to or from, Fort Rucker in the future.   Click the Link Below ... 12/16/2008

HOME SELLER TIPS  Choosing your real estate professional is, perhaps, the most important decision you will make when selling property. We believe the more you look around, the more you will see the value of working with us. www.RuckerPCS.com However, no matter whom you choose, these simple tips will help you sell your home more quickly and efficiently. Make first impressions count.   Without a doubt, a visually appealing house will attract buyers, who can't help but respond to the look and "feel" of a home. Take time to carefully prepare for showings. Don't forget the following: www.C21Enterprise.com . Cut the grass. Remove any clutter from the yard. Trim hedges. Weed gardens. Wash steps, windows, railings, doors, etc. Paint if needed. Remove unnecessary clutter from garages Scrub, dust... 12/15/2008

Buyer Tips Choosing your real estate professional is, perhaps, the most important decision you will make when buying property. We believe the more you look around, the more you will see the value of working with us. However, no matter whom you choose, these simple tips will help you find and purchase the home of your dreams more quickly and efficiently. If you're a first time buyer you can find more information at www.c21Enterprise.com Before you shop: www.RuckerPCS.com       Be a smart consumer.  Learn the financing basics. Know how to shop for a home loan that's right for you. Get pre-approved.  This takes very little time and lets you know the price range that fits your lifestyle. www.SellingEnterprise.com Know what you want. The last thing you need is to close a deal and realize you... 12/15/2008

Finding Financing Once a contract becomes binding, you probably will have to arrange for financing. Depending on the terms of the contract, the purchase of the home may be contingent on your being able to get financing at certain terms by a certain date. LendersThe REALTOR® might provide you a list of lenders. Most home buyers get loans through savings institutions and mortgage bankers and, to a lessor extent, from commercial banks, credit unions, or other private sources. In some cases, the seller may be willing to offer financing. Sellers often can offer a loan to a buyer at a competitive interest rate and attractive terms. Check on specifics. Types of loansIn general, three broad categories of loans are available: Private versus government loans - Most mortgage loans are made by sav... 12/14/2008

Escrow InfoWhat is an Escrow?An escrow is a deposit of funds, a deed or other instrument by one party for the delivery to another party upon completion of a specific condition or event. It is an independent neutral account by which the interests of all parties to the transaction are protected. When opening an escrow, the buyer and seller of a piece of property establish terms and conditions for the transfer of ownership of that property. These terms and conditions are given to a third, impartial party known as the escrow holder. The escrow holder has the responsibility of seeing that the terms are carried out. The escrow is a "storehouse" for all monies, instructions and documents necessary for the sale of your home. This includes the buyer providing funds for a down payment, and the s... 12/14/2008

Consider the ContractA valid real estate contract must be in writing and be freely offered by the buyer and accepted by the seller. All parties to the contract must be legally competent to do business. Money or other valuable consideration needs to be exchanged for title to the property. Keep in mind that if things go wrong, the buyer could require you to sell your home to him/her or pay damages. Be familiar with the terms of any contract you give to a would-be purchaser. Consider the contract as a whole. Is it slanted in favor of the buyer? If so, consult an attorney about making changes. Analyze the document as a series of paragraphs or clauses, each written to benefit one party or the other. Key Elements of the Contract Price and termsIf a low offer comes your way, remain cool until ... 12/14/2008

Closing the TransactionThe sale is formally ended at the closing table. In most transaction, the closing lasts less than an hour and often occurs at the title company office. Your REALTOR® and the buyer's agent may be present, and a title company officer or escrow agent will preside. Basic documentsThe sale actually consists of two transactions: 1) transferring the property to the buyer and 2) paying off the existing mortgage on your home (or allowing the buyer to assume your mortgage). To transfer the property, the title company will present documents proving that you have the title. Proceeds of the sale may be disbursed at closing or shortly thereafter, once all paperwork and verifications has been processed. When you give your house key to the new owners, the sale is completed. Karin... 12/14/2008

Choosing a LenderDespite an excess of loans and lenders, comparison shopping has been eased by the development of computer-loan origination systems and mortgage-reporting services - firms that survey major lenders in metropolitan areas every week or so and publish information sheets on who is offering what loans on what terms. Shop for lenders offering the best deals. Check with several mortgage companies and use one or more reporting services. Rely on your own efforts, lots of telephone calls and possibly some old-fashioned legwork. If there isn't a reporting service covering your area, begin the search at your own bank or savings and loan. Sources of Mortgage Money: Independent Mortgage Companies make just over half of all home mortgages, including most VA-guaranteed and FHA-insured l... 12/14/2008

Buyer's Checklist There is no way to guarantee a "smooth" path from an approved contract to the settlement table, but doing your part is at least half the job. Expect minor problems and delays along the way. On the seller's side, title problems are a common cause of postponed settlements. On your side, bureaucratic snags such as extensive credit checks and slow appraisals can bog things down. In many cases, there isn't much you or the seller can do but wait. While you're waiting for completion of all the processes now in motion, you should: Apply for homeowners insurance on your new home. Get an exact accounting settlement cost, and make sure the money and necessary documents will be there at closing. Select a date for the final walk-through of the house. Contact utility companies abou... 12/14/2008

Mistakes to Avoid When Buying a Home A great way to make the home-buying process flow smoothly is to educate yourself and learn from mistakes others have made - this can make the difference between buying the home of your dreams and buying a "lemon." Not getting pre-qualified or pre-approved Not seeking guidance from real estate professionals and inspectors Choosing an agent haphazardly Not getting enough information about the properties Not looking at enough houses for sale Not making the correct price comparison Forgetting to calculate all the costs Not asking enough questions Fear of losing a specific house Not looking past the interior decorating or cosmetic improvements Not checking out every nook and cranny before purchasing Not making a low offer Being pushed into buying a certa... 12/14/2008

  How To Avoid Home Buying Mistakes (edit/delete) 1. Not doing yourhomework. Enter the market well-prepared by researching location, school district, deed restrictions and taxes.   2. Trying to make a shrewd investment. Focus on finding the best place for you and your family to live rather than trying to predict the real estate market.   3. Choosing a poor location. Consider what part of town you would like to live in and avoid homes located on busy streets.   4. Overlooking an inferior floor plan for an attractive exterior. Choose a great floor plan over a great exterior because you'll spend far more time inside the house than outside.   5. Overlooking how the home will function for your family. Consider features that are most important to your family and choose a home that will meet t... 12/14/2008

Serving the Enterprise Alabama Real Estate Market   Hello! Thanks for visiting. This web site is designed to be your complete Enterprise Alabama Real Estate resource. The links will guide you to information that will help answer your questions concerning available Enterprise Alabama Real Estate and Fort Rucker Real Estate. This website is a useful tool but I invite you to call me for personal, one-on-one help with what some say is the biggest decision you will make in your life. If you have any questions, please don't hesitate to call or email me. Buying a Home? I'll take the time to listen to your needs and desires, and find your dream home. Your total satisfaction is my number one priority. Selling a Home? I will get your home sold for top dollar and in a timely manner. My online and ... 12/14/2008

Please forward to anyone who may be moving to or from, Fort Rucker in the future.   Click the Link Below http://audiopostcard-003.com/Y.asp?7189970X1166   Stay in touch, feel free to call with any questions, anytime 24/7. Sincerely,Karina Morgan REALTOR, ABR, GRICENTURY 21 Regency Realty, Inc.(334) 477-2694www.RuckerPCS.com   We Support Our Troops Enterprise Alabama Real Estate / Enterprsie AL Rental Homes / Coffee/ Fort Rucker / Enterprise AL / Daleville AL / Ozark AL / Wiregrass Fort Rucker Relocation / Military Transfer / PCS Military Move Homes for sale / Rental homes / Fort Rucker AreaFort Rucker Real Estate / Fort Rucker Rental Homes / Fort Rucker Relocation, Proudly Serving / FT Rucker / US ARMY / Home of Aviation Military Spouse Relocation Specialist County Rental Homes / Rental... 12/14/2008

If you are moving to or from the Fort Rucker Area, Give me a call. I understand the internet and use it as a marketing tool. Virtual Tours are standard on all of my listings. Below are my Sites. Feel free to use them in your home search. www.ruckerpcs.com  www.c21Rucker.com  www.RUCKERHOMESALES.COM www.DALEVILLEHOMES.COM www.SELLINGENTERPRISE.COM www.RUCKERMOVE.COM www.C21ENTERPRISE.COM    Stay in touch, feel free to call with any questions, anytime 24/7. Sincerely,Karina MorganREALTOR, ABR, GRICENTURY 21 Regency Realty, Inc.(334) 477-2694www.RuckerPCS.com We Support Our Troops   12/14/2008

www.RuckerPCS.com 'Twas the night before Christmas, when all through the house Not a creature was stirring, not even a mouse;The stockings were hung by the chimney with care, In hopes that St. Nicholas soon would be there; then the Grinch showed up and stole all of my listings. He tried to get away, but all I could say is; I fought hard for those listings, so you must give them back, now get out of that sleigh. My clients must sell their homes to move on to the next. CENTURY 21 Regency Realty is in Enterprise Alabama is located close to Fort Rucker, home of Army Aviation. We work with military relocation and specialize in helping the Military families find new homes in the Fort Rucker , Daleville, Enterprise Alabama area. Welcome to the wiregrass. www.RuckerPCS.com   12/08/2008