Real Estate Information, Foreclosures April 22nd - May 4th

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The following are the links to the selected listings.

Details 388998, 4855 YONDERHILL DR, BIRMINGHAM, AL - $67,000.00
Details 387902, 104 MARION ST, WARRIOR, AL - $79,900.00
Details 388037, 3248 WHITE RD, CORNER, AL - $129,900.00
Details 388042, 3550 BLACK RD, BLOUNTSVILLE, AL - $116,000.00
Details 388039, 6800 BRIARWOOD DR, PINSON, AL - $94,900.00
Details 389252, 3104 FIELDSTONE CIR, BIRMINGHAM, AL - $105,040.00
Details 388979, 5700 HICKORY CT, PINSON, AL - $122,000.00
Details 389129, 905 RICH RD, BIRMINGHAM, AL - $135,000.00
Details 388446, 6312 MOUNTAINSIDE TRL, PINSON, AL - $164,900.00
Details 387754, 405 ROEBUCK DR, BIRMINGHAM, AL - $49,900.00
Details 388814, 921 ELIZABETH DR, BIRMINGHAM, AL - $54,900.00
Details 388364, 1137 CAMELLIA RD, BIRMINGHAM, AL - $54,900.00
Details 387998, 725 NW 14TH AVE, BIRMINGHAM, AL - $59,400.00
Details 388055, 1660 NW 6TH PL, BIRMINGHAM, AL - $74,900.00
Details 387733, 1500 NW 6TH ST, BIRMINGHAM, AL - $75,900.00
Details 388670, 820 HAGWOOD RD, BIRMINGHAM, AL - $79,900.00
Details 387983, 625 GRAVLEE LN, BIRMINGHAM, AL - $100,900.00
Details 389141, 2641 SHOEMAKER ST, BIRMINGHAM, AL - $112,900.00
Details 388571, 1776 NW 6TH WAY, BIRMINGHAM, AL - $177,900.00
Details 387812, 7268 ADVENT CIR, TRUSSVILLE, AL - $166,500.00
Details 388201, 3382 SMITH SIMS RD, TRUSSVILLE, AL - $210,000.00
Details 388356, 13205 HWY 411, ODENVILLE, AL - $58,000.00
Details 387974, 8214 CARRINGTON DR, #203, TRUSSVILLE, AL - $349,900.00
Details 387979, 0 LACEY LN, #338, TRUSSVILLE, AL - $369,900.00
Details 389072, 121 PINE HILL DR, PELL CITY, AL - $23,500.00
Details 388891, 18000 HWY 174, PELL CITY, AL - $30,000.00
Details 388053, 78 LOCKRIDGE LN, RIVERSIDE, AL - $162,900.00
Details 389100, 32 CRABAPPLE LN, ODENVILLE, AL - $164,900.00
Details 387993, 125 REUBEN CIR, ARGO, AL - $200,000.00
Details 388721, 1518 WALNUT AVE, ANNISTON, AL - $25,900.00
Details 387975, 708 N MARSHALL ST, ANNISTON, AL - $51,900.00
Details 388972, 1006 CHERRY ST, WEAVER, AL - $64,900.00
Details 388977, 1704 ROUND HILL RD, WEAVER, AL - $108,000.00
Details 388796, 3265 W HWY 78, OXFORD, AL - $129,900.00
Details 387760, 513 STONEY BROOK DR SW, JACKSONVILLE, AL - $149,900.00
Details 387641, 505 CO RD 566, LEESBURG, AL - $82,900.00
Details 388743, 8313 N 6TH AVE, BIRMINGHAM, AL - $11,900.00
Details 388986, 636 N BEVERLY DR, BIRMINGHAM, AL - $12,800.00
Details 388569, 6805 5TH TERR, BIRMINGHAM, AL - $19,900.00
Details 388684, 8314 DIVISION AVE, BIRMINGHAM, AL - $19,900.00
Details 388695, 4804 N 14TH AVE, BIRMINGHAM, AL - $19,900.00
Details 388803, 853 S 77TH ST, BIRMINGHAM, AL - $20,900.00
Details 388499, 7413 SPARTA AVE, BIRMINGHAM, AL - $29,900.00
Details 388904, 111 N 71ST ST, BESSEMER, AL - $30,465.00
Details 388789, 7209 HIGDON RD, BIRMINGHAM, AL - $33,500.00
Details 388394, 8339 7TH AVE, BIRMINGHAM, AL - $34,900.00
Details 388879, 229 N 75TH ST, BIRMINGHAM, AL - $39,900.00
Details 388403, 7817 S 3RD AVE, BIRMINGHAM, AL - $39,900.00
Details 388792, 110 12TH CT, BIRMINGHAM, AL - $44,900.00
Details 388360, 225 N 68TH PL, BIRMINGHAM, AL - $49,900.00
Details 388011, 7837 S 5TH AVE, BIRMINGHAM, AL - $60,000.00
Details 387934, 7429 QUEENSTOWN AVE, #11, BIRMINGHAM, AL - $95,000.00
Details 388410, 1631 N 15TH AVE, BIRMINGHAM, AL - $9,900.00
Details 388546, 4121 N 43RD AVE, BIRMINGHAM, AL - $19,900.00
Details 388605, 4437 N 41ST PL, BIRMINGHAM, AL - $29,900.00
Details 388395, 3512 N 17TH AVE, BIRMINGHAM, AL - $30,000.00
Details 388999, 3828 N 43RD AVE, BIRMINGHAM, AL - $33,000.00
Details 388041, 4237 N 40TH AVE, BIRMINGHAM, AL - $36,000.00
Details 389001, 2108 N 35TH AVE, BIRMINGHAM, AL - $36,000.00
Details 389250, 3727 N 42ND ST, BIRMINGHAM, AL - $44,000.00
Details 388824, 4901 BRITTAIN ST, BIRMINGHAM, AL - $46,900.00
Details 388024, 5835 LAKEVIEW CIR, BIRMINGHAM, AL - $99,000.00
Details 387987, 3208 BROOKHILL CIR, IRONDALE, AL - $173,900.00
Details 387879, 514 BAKER DR, BIRMINGHAM, AL - $206,900.00
Details 388603, 1601 SHADES GLEN CIR, BIRMINGHAM, AL - $214,900.00
Details 388152, 1805 RED OAK PL, HOOVER, AL - $224,900.00
Details 388126, 5530 FAWN CIR, #53, BIRMINGHAM, AL - $229,900.00
Details 388069, 3413 HANFORD LN, HOOVER, AL - $241,500.00
Details 388641, 1544 HADDON DR, #124, HOOVER, AL - $439,900.00
Details 389005, 2114 FLOWERWOOD DR, HOOVER, AL - $257,900.00
Details 388970, 119 BRYNLEIGH DR, CHELSEA, AL - $199,900.00
Details 388676, 1019 PARKWOOD RD, BIRMINGHAM, AL - $426,900.00
Details 389300, 3101 INDIAN CREST DR, #9, INDIAN SPRINGS VILLAGE, AL - $849,500.00
Details 387916, 3187 INDIAN CREST DR, #6, INDIAN SPRINGS VILLAGE, AL - $899,000.00
Details 389280, 2320 HWY 57, VINCENT, AL - $45,000.00
Details 388370, 1088 FOREST LAKES DR, #LOT 441, CHELSEA, AL - $149,250.00
Details 389238, 148 PIN OAK DR, CHELSEA, AL - $265,650.00
Details 388192, 424 HWY 333, COLUMBIANA, AL - $84,900.00
Details 388003, 411 LOBLOLLY TRC, ALPINE, AL - $39,900.00
Details 389253, 311 PERIMETER RD, SYLACAUGA, AL - $69,000.00
Details 387985, 605 SW 6TH AVE, CHILDERSBURG, AL - $89,900.00
Details 388378, 3550 TIMBERLAKE DR, BESSEMER, AL - $269,900.00
Details 388090, 4612 HOLLOW LN, HELENA, AL - $145,000.00
Details 388984, 101 ROY CT, HELENA, AL - $155,000.00
Details 388214, 1033 RYECROFT CIR, PELHAM, AL - $182,900.00
Details 388241, 148 ELM TERR, HELENA, AL - $189,900.00
Details 389035, 1315 CALISTON WAY, PELHAM, AL - $232,900.00
Details 388519, 120 WAGON TRL, #1, ALABASTER, AL - $169,500.00
Details 388716, 509 HORIZON ST, ALABASTER, AL - $174,000.00
Details 388702, 298 LACEY AVE, ALABASTER, AL - $174,500.00
Details 388706, 500 HORIZON ST, ALABASTER, AL - $174,900.00
Details 388709, 504 HORIZON ST, ALABASTER, AL - $175,000.00
Details 388707, 501 HORIZON ST, ALABASTER, AL - $180,500.00
Details 388710, 505 HORIZON ST, ALABASTER, AL - $187,000.00
Details 388713, 508 HORIZON ST, ALABASTER, AL - $188,000.00
Details 388705, 287 LACEY AVE, #214, ALABASTER, AL - $233,000.00
Details 388098, 2092 ROSSBURG PL, CALERA, AL - $113,500.00
Details 389322, 177 CREEKSTONE TRL, #106, CALERA, AL - $119,500.00
Details 388101, 127 HOUSTON DR, BESSEMER, AL - $14,900.00
Details 387962, 112 AVALON AVE, HUEYTOWN, AL - $14,900.00
Details 388682, 413 ASH AVE, BESSEMER, AL - $15,900.00
Details 388751, 6910 AVE K, BIRMINGHAM, AL - $21,500.00
Details 388400, 5503 AVE K, BESSEMER, AL - $26,244.00
Details 388386, 85 CHAPEL DR, HUEYTOWN, AL - $49,900.00
Details 388861, 104 BEECHWOOD AVE, HUEYTOWN, AL - $52,900.00
Details 388007, 1117 N 11TH AVE, BESSEMER, AL - $53,000.00
Details 388780, 9618 CHARLES ELLAN DR, BESSEMER, AL - $54,900.00
Details 387976, 128 CREST RD, HUEYTOWN, AL - $55,000.00
Details 388600, 461 5TH CT, PLEASANT GROVE, AL - $85,900.00
Details 388125, 1613 N 29TH AVE, HUEYTOWN, AL - $87,000.00
Details 388534, 1559 ARCADE TERR, HUEYTOWN, AL - $89,900.00
Details 388045, 3666 MEMORY LANE, HUEYTOWN, AL - $97,000.00
Details 388750, 1345 VIRGINIA RD, HUEYTOWN, AL - $99,000.00
Details 389233, 401 SURREY CIR, BESSEMER, AL - $134,900.00
Details 388286, 4577 SOUTH SHADES CREST RD, BESSEMER, AL - $179,900.00
Details 388865, 317 WARRIOR RIVER HIGHLANDS RD, ADGER, AL - $59,900.00
Details 388762, 6008 CATHWICK DR, MCCALLA, AL - $159,500.00
Details 389256, 6013 SHADOW LAKE CIR, MCCALLA, AL - $159,500.00
Details 388869, 413 SW 11TH ST, BIRMINGHAM, AL - $11,900.00
Details 389255, 2607 AVE I, BIRMINGHAM, AL - $12,000.00
Details 387821, 205 N 15TH CT, BIRMINGHAM, AL - $12,900.00
Details 388428, 1519 33RD ST, BIRMINGHAM, AL - $16,450.00
Details 387845, 5116 LILLIAN LN, BIRMINGHAM, AL - $17,500.00
Details 389128, 1628 COLLIER DR, BIRMINGHAM, AL - $19,900.00
Details 389222, 1607 AVE D, BIRMINGHAM, AL - $22,900.00
Details 388391, 1021 ERIE ST, BIRMINGHAM, AL - $24,900.00
Details 387933, 1924 SW PRINCETON CT, BIRMINGHAM, AL - $24,900.00
Details 388406, 715 25TH ST, BIRMINGHAM, AL - $27,000.00
Details 389237, 4700 AVE R, BIRMINGHAM, AL - $27,250.00
Details 388782, 1435 67TH ST, BIRMINGHAM, AL - $28,500.00
Details 388220, 1517 WOODLAND AVE, BIRMINGHAM, AL - $28,900.00
Details 388145, 1129 COTTON AVE, BIRMINGHAM, AL - $29,900.00
Details 389085, 1513 SW MIMS ST, BIRMINGHAM, AL - $49,900.00
Details 387923, 1512 W 2ND CT, #6, BIRMINGHAM, AL - $49,900.00
Details 388475, 1405 WARRIOR RD, BIRMINGHAM, AL - $64,900.00
Details 389334, 3213 AVE F, BIRMINGHAM, AL - $75,900.00
Details 388563, 1511 W 45TH ST, BIRMINGHAM, AL - $77,500.00
Details 388585, 4536 SW PARK AVE, BIRMINGHAM, AL - $81,900.00
Details 388149, 1313 FRISCO ST, BIRMINGHAM, AL - $28,900.00
Details 388790, 313 W 22ND AVE, BIRMINGHAM, AL - $14,900.00
Details 388080, 246 ALLEGHENY DR, BIRMINGHAM, AL - $16,900.00
Details 388159, 152 HOLLEY AVE, BIRMINGHAM, AL - $28,900.00
Details 388031, 1312 PRATT HWY, BIRMINGHAM, AL - $37,900.00
Details 388924, 3333 HILLCREST AVE, BIRMINGHAM, AL - $44,900.00
Details 388982, 1030 4TH ST, GRAYSVILLE, AL - $52,500.00
Details 388038, 2429 FOREST HILL DR, BIRMINGHAM, AL - $76,000.00
Details 388094, 5061 SHADY CREST RD, ADAMSVILLE, AL - $86,200.00
Details 388902, 1609 MANN DR, BIRMINGHAM, AL - $96,900.00
Details 388914, 700 QUAIL DR, BIRMINGHAM, AL - $114,500.00
Details 388606, 1276 GRAND BLVD, BIRMINGHAM, AL - $194,900.00

Or Click Here to go view all listings at once.

If your email program doesn't support an HTML url, then copy and paste the following
address to your browser's address box. Make sure you copy and paste the
entire link; it may appear on multiple lines.

http://bhammls.net/BAARReports/listings.asp?ID=RBR7208381

REALTORS: REAL-Service REAL-Expertise.
You can also visit http://www.bruceweaver.com to perform your own property search.

Thank you for your interest. If I can be of further assistance you can reach me by phone most any time between 8:00 am and 9:00 pm 7 days a week. You can also email me at bruce@bweaver.com.
Bruce Weaver
205-965-6761

Real Estate Advisor: May

FYI
Sent from my BlackBerry® wireless device
Thank you,
Bruce Weaver
RE/MAX Southern Homes

www.bweaver.com

-----Original Message-----
From: "Bruce Weaver" <a55023@real-estate-mail.net>

Date: Fri, 25 Apr 2008 09:00:11
To:"b weaver" <pellcity@gmail.com>
Subject: Real Estate Advisor: May





Real Estate Advisor: May <http://media.reliancenetwork.com/dyna_images/agents/184/10750

3/2008421202354.jpg>
Real Estate Advisor: May




*

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Upon Further Inspection

One of the most important steps in the home buying and selling process is often overlooked: the home inspection. While many buyers and sellers alike are wary of inspections (for fear of finding the dreaded "deal-breaker"), in reality thorough and timely inspections \help smooth the process and prevent headaches during or after closing.
The Difference between Appraisal and Inspection
Many consumers are unclear regarding the difference between a home appraiser and a licensed home inspector. A house appraisal is an independent evaluation of the current market value of the home. Generally speaking, the appraiser's job is to review the property to determine its worth relative to similar properties in the area and recent sales history. With that value set, the lender can determine how much money can appropriately be loaned to the buyer. Appraisers typically work for the bank, the FHA, or HUD depending on the type of loan.
In contrast, the house inspector is trained to identify items in the home that need either replacement or repair. A licensed inspector will carefully examine the home's structural components, heating, cooling, plumbing and electrical systems, insulation, roofing and so on. A home inspection report will give far more detailed information than available in a home appraisal.
While an appraiser will perform a walk through of your home, it is typically a cursory examination that lasts between 15 and 30 minutes. An in-depth home inspection will last from two to three hours. An appraiser may point out potential problem areas, but they are not trained to spot damage or faulty systems. Only a certified inspector can adequately review the quality and condition of a home for sale.
Seller's Perspective: Informed Buyers, Added Protection
Many sellers choose to have their home inspected before ever putting the property on the open market. Such presale inspections are combined with the seller's disclosures to form a comprehensive disclosure package of documents about the home. <http://media.reliancenetwork.com/dyna_images/agents/184/10750

3/200842120170.jpg>
Some sellers shy away from this practice, feeling that it is an unnecessary expense when many buyers will obtain their own inspection anyway. But presale inspections aren't meant to replace the inspection an interested buyer will seek, rather they are meant to increase a potential buyer's knowledge about the property. Well-informed buyers will be less likely to walk away from a property that they like, and by providing a disclosure package you show buyers that you are negotiating in good faith.
The presale inspection is also a safeguard against potential home defects that might affect a future closing or even worse result in legal action after the sale of the home. An early inspection can help you identify any items you that will require either repair or disclosure (and possible concessions) as you move forward.
Buyer's Perspective: Cost-Effective Peace of Mind
A presale inspection provided within the seller's disclosure package does not mean that smart buyers should go without a second inspection by an inspector of their own choosing. In general, a home that has been thoroughly inspected benefits buyer and seller alike.
Buyer-driven inspections are common contingencies in many sales contracts. While some sellers may request a specific inspector, most will allow the buyer to pick an inspector without restriction. If a seller will not pay for all or part of the inspection without first approving the inspector, consider paying for an independent inspection out of pocket. Look for experienced inspectors with a strong reputation in the community (see the "Finding the Right Inspector" section below).
Occasionally a buyer will opt instead to do a walk through with the original presale inspector to gain further information about items in the disclosure package. While this does give the buyer the chance to ask questions about the property (and it is better than no inspection at all), it's usually best to have a true second opinion whenever possible.
Specialist Inspectors
If the general inspection identifies problems or potential defects, seek a second inspection by a specialist. The reason for this is simple: while home inspectors are trained to spot defects throughout your home, by their very nature they do not have specific expertise with every single structure or system in the house. For example, an inspector may cite signs of wear on a HVAC system as possible evidence that a replacement is in order. Calling in a licensed heating contractor may either confirm the existence of a problem or show that the general inspector was mistaken.
Additional inspections do come with an expense, but they can prevent surprises after closing or eliminate unnecessary repairs, the cost is easily offset. If the general inspector recommends additional inspections (which is often the case), you should heed the advice.
Finding the Right Inspector
Whether buying or selling, picking the right inspector is an important decision. A good inspector will be experienced, meticulous and plainspoken. It pays to use a home inspector with a proven track record in your area. You'll also want an inspector who will stand by their work and take responsibility for any oversights or errors. If the inspector is also a general/repair contractor, they should disclose this information upfront. Both seller's and buyer's agents can typically provide referrals of qualified inspectors. You can also check for local members of the National Association of Home Inspectors (NAHI) or the American Society of Home Inspectors (ASHI), two of the most respected home inspection associations. National Association of Home Inspectors http://www.nahi.org <http://www.nahi.org>
American Society of Home Inspectors http://www.ashi.org <http://www.ashi.org>

* Back To Top

Real Estate Information, Foreclosures April 21st

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The following are the links to the selected listings.

Details 387517, 5400 NEWFOUND RD, MOUNT OLIVE, AL - $147,900.00
Details 387370, 1617 3RD PL, BIRMINGHAM, AL - $77,000.00
Details 387432, 533 NW 26TH AVE, BIRMINGHAM, AL - $84,900.00
Details 387438, 2635 GARRY ST, BIRMINGHAM, AL - $73,900.00
Details 387363, 1450 NE 9TH ST, JACKSONVILLE, AL - $225,000.00
Details 387424, 6728 S 3RD AVE, BIRMINGHAM, AL - $34,200.00
Details 387558, 1133 DELWOOD PL, HOOVER, AL - $185,000.00
Details 387516, 608 DOROUGH RD, COLUMBIANA, AL - $252,500.00
Details 387360, 2418 12TH AVE, BESSEMER, AL - $29,900.00
Details 387445, 1652 BRYSON ST, BIRMINGHAM, AL - $39,900.00
Details 387406, 1012 LANE DR, BIRMINGHAM, AL - $79,900.00

Or Click Here to go view all listings at once.

If your email program doesn't support an HTML url, then copy and paste the following
address to your browser's address box. Make sure you copy and paste the
entire link; it may appear on multiple lines.

http://bhammls.net/BAARReports/listings.asp?ID=RBR7127800

REALTORS: REAL-Service REAL-Expertise.
You can also visit http://www.bruceweaver.com to perform your own property search.

Thank you for your interest. If I can be of further assistance you can reach me by phone most any time between 8:00 am and 9:00 pm 7 days a week. You can also email me at bruce@bweaver.com.
Bruce Weaver
205-965-6761

Real Estate Information, Foreclosures, April 15th--20th

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The following are the links to the selected listings.

Details 387264, 733 COUNTRY CLUB TRL, GARDENDALE, AL - $120,000.00
Details 387123, 1280 MOUNTAIN LN, #371, GARDENDALE, AL - $209,900.00
Details 387163, 1317 EASTVIEW AVE, GADSDEN, AL - $23,000.00
Details 387158, 9716 WESTFIELD RD, BIRMINGHAM, AL - $22,000.00
Details 386857, 1652 NW 3RD ST, BIRMINGHAM, AL - $31,900.00
Details 387010, 920 HILLCREST AVE, BIRMINGHAM, AL - $45,900.00
Details 387259, 1609 BARRINGTON LN, BIRMINGHAM, AL - $49,000.00
Details 387159, 1148 LINWOOD ST, BIRMINGHAM, AL - $52,000.00
Details 387242, 2250 NE 3RD PL, BIRMINGHAM, AL - $74,900.00
Details 387147, 9829 RED CLIFF RD, BIRMINGHAM, AL - $79,900.00
Details 386923, 1815 NW 6TH ST, BIRMINGHAM, AL - $97,900.00
Details 386810, 2700 LABURNUM DR, BIRMINGHAM, AL - $114,000.00
Details 386927, 1508 JUNE AVE, LEEDS, AL - $72,900.00
Details 387142, 600 RIDGEFIELD WAY, ODENVILLE, AL - $199,900.00
Details 386966, 60 ENGLAND DR, SPRINGVILLE, AL - $135,000.00
Details 386936, 1329 PINE AVE, ANNISTON, AL - $24,900.00
Details 386987, 303 WHITES GAP RD SE, JACKSONVILLE, AL - $67,500.00
Details 387335, 1500 KELSEY CIRCLE, JACKSONVILLE, AL - $148,500.00
Details 387128, 8030 S 5TH AVE, BIRMINGHAM, AL - $19,900.00
Details 387261, 118 N 66TH PL, BIRMINGHAM, AL - $24,900.00
Details 387141, 8508 S 1ST AVE, BIRMINGHAM, AL - $25,900.00
Details 387193, 7939 S 8TH AVE, BIRMINGHAM, AL - $42,900.00
Details 387007, 1015 S 42ND ST, BIRMINGHAM, AL - $359,900.00
Details 386964, 1419 RIVER WALK CIR, BIRMINGHAM, AL - $164,900.00
Details 387289, 207 WOODBRIDGE TRL, #1, CHELSEA, AL - $399,900.00
Details 387146, 1238 OLD CAHABA TRC, HELENA, AL - $168,000.00
Details 387286, 107 SHADY HILLS CIR, CALERA, AL - $141,900.00
Details 386999, 156 CHINABERRY LN, MAYLENE, AL - $184,900.00
Details 387229, 409 MERIWEATHER LN, CALERA, AL - $137,900.00
Details 387155, 2004 N LONG 14TH ST, BESSEMER, AL - $42,700.00
Details 387156, 26 BLUE BELL ST, BESSEMER, AL - $78,000.00
Details 387086, 2816 NOVEL DR, HUEYTOWN, AL - $94,900.00
Details 387271, 3025 LEE ANN DR, HUEYTOWN, AL - $172,900.00
Details 387038, 509 SW 1ST ST, BIRMINGHAM, AL - $19,000.00
Details 387099, 200 SW SOUTH PARK RD, BIRMINGHAM, AL - $22,900.00
Details 387157, 2700 AVE H, BIRMINGHAM, AL - $26,000.00
Details 387107, 2712 AVE H, BIRMINGHAM, AL - $39,900.00
Details 387152, 619 BASSWOOD DR, ADAMSVILLE, AL - $38,000.00
Details 386975, 1200 SW 15TH PL, BIRMINGHAM, AL - $39,500.00
Details 386902, 425 LAURIE DR, FORESTDALE, AL - $119,900.00
Details 387167, 488 CREST AVE, PARRISH, AL - $20,000.00
Details 386812, 4014 WINDSWEPT BLVD, HUNTSVILLE, AL - $264,900.00

Or Click Here to go view all listings at once.

If your email program doesn't support an HTML url, then copy and paste the following
address to your browser's address box. Make sure you copy and paste the
entire link; it may appear on multiple lines.

http://bhammls.net/BAARReports/listings.asp?ID=RBR7116170

REALTORS: REAL-Service REAL-Expertise.
You can also visit http://www.bruceweaver.com to perform your own property search.

Thank you for your interest. If I can be of further assistance you can reach me by phone most any time between 8:00 am and 9:00 pm 7 days a week. You can also email me at bruce@bweaver.com.
Bruce Weaver
205-965-6761

Real Estate Information, Foreclosures, April 10th

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The following are the links to the selected listings.

Details 386208, 792 MARY VANN LN, BIRMINGHAM, AL - $64,900.00
Details 386184, 352 SUNBROOK AVE, BIRMINGHAM, AL - $48,652.00
Details 386189, 404 WEDGEWORTH RD, BIRMINGHAM, AL - $49,900.00
Details 386175, 220 MCCORMICK AVE, BIRMINGHAM, AL - $64,900.00
Details 386171, 1516 6TH ST, BIRMINGHAM, AL - $67,500.00
Details 386220, 316 KILLOUGH CIR, BIRMINGHAM, AL - $89,900.00
Details 386141, 1908 N 3RD AVE, PELL CITY, AL - $104,900.00
Details 386101, 3843 N 41ST AVE, BIRMINGHAM, AL - $37,900.00
Details 386069, 4120 10TH AVE, BIRMINGHAM, AL - $23,250.00

Or Click Here to go view all listings at once.

If your email program doesn't support an HTML url, then copy and paste the following
address to your browser's address box. Make sure you copy and paste the
entire link; it may appear on multiple lines.

http://bhammls.net/BAARReports/listings.asp?ID=RBR7052996

REALTORS: REAL-Service REAL-Expertise.
You can also visit http://www.bruceweaver.com to perform your own property search.

Thank you for your interest. If I can be of further assistance you can reach me by phone most any time between 8:00 am and 9:00 pm 7 days a week. You can also email me at bruce@bweaver.com.
Bruce Weaver
205-965-6761

Real Estate Information, Foreclosures April 4th - 9th

----------------------------------------------
The following are the links to the selected listings.

Details 385703, 4217 WILLOWBROOK CIR, CHALKVILLE, AL - $126,900.00
Details 385734, 608 ROEBUCK CIR, BIRMINGHAM, AL - $34,900.00
Details 385900, 521 JANE ANN CIR, BIRMINGHAM, AL - $47,900.00
Details 386005, 2717 NE 6TH ST, BIRMINGHAM, AL - $64,500.00
Details 386036, 412 NW 18TH CT, CENTER POINT, AL - $79,900.00
Details 385801, 760 GENE REED RD, BIRMINGHAM, AL - $93,500.00
Details 385936, 2334 NW 4TH ST, BIRMINGHAM, AL - $94,900.00
Details 385783, 8438 THOMAS AVE, LEEDS, AL - $54,900.00
Details 385909, 1333 ASHVILLE RD, LEEDS, AL - $109,900.00
Details 386037, 484 FRIENDSHIP DR, #2, SPRINGVILLE, AL - $59,900.00
Details 385804, 7108 S 1ST AVE, BIRMINGHAM, AL - $10,850.00
Details 385772, 8621 N 2ND AVE, BIRMINGHAM, AL - $16,900.00
Details 385547, 4808 N 9TH TERR, BIRMINGHAM, AL - $29,900.00
Details 385677, 3928 BRIAR OAK DR, MOUNTAIN BROOK, AL - $329,900.00
Details 385616, 5030 JUIATA DR, IRONDALE, AL - $94,500.00
Details 386052, 105 OLD ROCKY RIDGE LN, BIRMINGHAM, AL - $69,900.00
Details 385941, 1130 ASHFORD LN, BIRMINGHAM, AL - $378,900.00
Details 385809, 128 WINTERHAVEN DR, ALABASTER, AL - $122,540.00
Details 385964, 3771 HWY 22, MONTEVALLO, AL - $29,900.00
Details 386042, 1105 2ND AVE, CLANTON, AL - $21,900.00
Details 385829, 299 ALABAMA AVE, THORSBY, AL - $76,900.00
Details 385535, 121 WEST CREST RD, #10, HUEYTOWN, AL - $81,506.00
Details 385722, 6521 WHITE OAK LN, BESSEMER, AL - $219,000.00
Details 385663, 2345 W 20TH PL, BIRMINGHAM, AL - $11,900.00
Details 385770, 1613 N 2ND ST, BIRMINGHAM, AL - $34,900.00
Details 386018, 3021 AVE J, BIRMINGHAM, AL - $39,422.00
Details 385649, 309 QUEBEC ST, BIRMINGHAM, AL - $12,900.00
Details 385591, 4713 8TH AVE, WYLAM, AL - $29,900.00
Details 385659, 1520 COLUMBIA ST, BIRMINGHAM, AL - $39,900.00
Details 385785, 399 HAYFIELD RD, DORA, AL - $149,900.00

Or Click Here to go view all listings at once.

If your email program doesn't support an HTML url, then copy and paste the following
address to your browser's address box. Make sure you copy and paste the
entire link; it may appear on multiple lines.

http://bhammls.net/BAARReports/listings.asp?ID=RBR7044902

REALTORS: REAL-Service REAL-Expertise.
You can also visit http://www.bruceweaver.com to perform your own property search.

Thank you for your interest. If I can be of further assistance you can reach me by phone most any time between 8:00 am and 9:00 pm 7 days a week. You can also email me at bruce@bweaver.com.
Bruce Weaver
205-965-6761

Real Estate Information, Foreclosures, April 1st - 4th

----------------------------------------------
The following are the links to the selected listings.

Details 385197, 7443 PLANTATION RD, #1, BIRMINGHAM, AL - $114,900.00
Details 385396, 606 HOLLY AVE, ATTALLA, AL - $24,500.00
Details 385262, 9052 BEL AIR DR, BIRMINGHAM, AL - $24,000.00
Details 385316, 328 NE 24TH AVE, BIRMINGHAM, AL - $56,000.00
Details 385341, 2216 NE 1ST ST, BIRMINGHAM, AL - $66,000.00
Details 385249, 201 MEADOWDALE AVE, CENTER POINT, AL - $69,900.00
Details 385305, 2504 NE 6TH ST, BIRMINGHAM, AL - $72,500.00
Details 385361, 1425 NW 4TH ST, BIRMINGHAM, AL - $99,900.00
Details 385280, 2121 NE 5TH ST, BIRMINGHAM, AL - $109,900.00
Details 385293, 505 ARCHWOOD WAY, ODENVILLE, AL - $129,800.00
Details 385219, 557 MELANIE LANE, ALEXANDRIA, AL - $70,900.00
Details 385382, 13718 CO RD 10, RANBURNE, AL - $55,000.00
Details 385186, 7901 N 7TH AVE, BIRMINGHAM, AL - $9,900.00
Details 385107, 205 N 66TH PL, BIRMINGHAM, AL - $19,900.00
Details 385406, 7810 S 6TH AVE, BIRMINGHAM, AL - $47,200.00
Details 385337, 1724 N 33RD ST, BIRMINGHAM, AL - $30,100.00
Details 385034, 1041 WESTLEY ST, TARRANT, AL - $49,500.00
Details 385399, 2521 SKYLAND DR, VESTAVIA HILLS, AL - $249,900.00
Details 385383, 2272 RIDGEMONT DR, BIRMINGHAM, AL - $154,900.00
Details 385078, 5704 CYPRESS TRC, HOOVER, AL - $242,500.00
Details 385288, 100 SYDNEY LN, CHELSEA, AL - $259,900.00
Details 383717, 166 CLIFF RD, STERRETT, AL - $319,800.00
Details 385434, 2032 LONG LEAF LAKE CIR, #307, HELENA, AL - $349,500.00
Details 385343, 2680 CO RD 46, MONTEVALLO, AL - $27,500.00
Details 385286, 101 EAST WILLOW CIR, CALERA, AL - $149,900.00
Details 385380, 169 WATERFORD HIGHLANDS TRL, CALERA, AL - $169,900.00
Details 385333, 4765 LONGMEADOW DR, BESSEMER, AL - $130,000.00
Details 385299, 12215 DEER CHASE RD, MCCALLA, AL - $54,900.00
Details 384968, 1441 SW COTTON AVE, BIRMINGHAM, AL - $15,000.00
Details 385340, 1819 43RD ST, BIRMINGHAM, AL - $16,000.00
Details 385056, 2817 AVE H, BIRMINGHAM, AL - $20,000.00
Details 385342, 512 22ND ST, BIRMINGHAM, AL - $27,000.00
Details 385257, 305 MCPHERSON AVE, MIDFIELD, AL - $29,900.00
Details 385335, 974 N 2ND ST, BIRMINGHAM, AL - $19,000.00
Details 385393, 5818 COFER LOOP, DORA, AL - $79,900.00

Or Click Here to go view all listings at once.

If your email program doesn't support an HTML url, then copy and paste the following
address to your browser's address box. Make sure you copy and paste the
entire link; it may appear on multiple lines.

http://bhammls.net/BAARReports/listings.asp?ID=RBR7011445

REALTORS: REAL-Service REAL-Expertise.
You can also visit http://www.bruceweaver.com to perform your own property search.

Thank you for your interest. If I can be of further assistance you can reach me by phone most any time between 8:00 am and 9:00 pm 7 days a week. You can also email me at bruce@bweaver.com.
Bruce Weaver
205-965-6761

Real Estate Information, Foreclosures 3-29 to 3-30

----------------------------------------------
The following are the links to the selected listings.

Details 384566, 1844 NE MARA DR, BIRMINGHAM, AL - $88,000.00
Details 384144, 137 PINE ROCK LN, HOOVER, AL - $299,900.00
Details 384525, 1021 BELVEDERE COVE, #6, BIRMINGHAM, AL - $307,900.00

Or Click Here to go view all listings at once.

If your email program doesn't support an HTML url, then copy and paste the following
address to your browser's address box. Make sure you copy and paste the
entire link; it may appear on multiple lines.

http://bhammls.net/BAARReports/listings.asp?ID=RBR6969069

REALTORS: REAL-Service REAL-Expertise.
You can also visit http://www.bruceweaver.com to perform your own property search.

Thank you for your interest. If I can be of further assistance you can reach me by phone most any time between 8:00 am and 9:00 pm 7 days a week. You can also email me at bruce@bweaver.com.
Bruce Weaver
205-965-6761

Real Estate Information, New Foreclosures 3-27/3-28

----------------------------------------------
The following are the links to the selected listings.

Details 384279, 1871 RIVERBEND CIR, HAYDEN, AL - $79,900.00
Details 384304, 6025 HOLLY TRACE, ANNISTON, AL - $154,900.00
Details 384173, 7000 S 3RD AVE, BIRMINGHAM, AL - $25,000.00
Details 384311, 312 ADAMS ST, JEMISON, AL - $49,900.00
Details 384181, 3109 N 7TH AVE, BESSEMER, AL - $14,900.00
Details 384301, 5660 EASTERN VALLEY RD, MCCALLA, AL - $159,900.00
Details 384208, 3705 SW LAUREL AVE, BIRMINGHAM, AL - $19,900.00
Details 384325, 457 VALLEY RD, BIRMINGHAM, AL - $48,000.00
Details 384303, 2804 LAWN AVE, BIRMINGHAM, AL - $54,900.00
Details 384237, 2849 20TH ST, BIRMINGHAM, AL - $70,000.00
Details 384326, 2333 22ND ST, BIRMINGHAM, AL - $75,000.00
Details 384283, 1121 W HEFLIN AVE, BIRMINGHAM, AL - $52,900.00

Or Click Here to go view all listings at once.

If your email program doesn't support an HTML url, then copy and paste the following
address to your browser's address box. Make sure you copy and paste the
entire link; it may appear on multiple lines.

http://bhammls.net/BAARReports/listings.asp?ID=RBR6952059

REALTORS: REAL-Service REAL-Expertise.
You can also visit http://www.bruceweaver.com to perform your own property search.

Thank you for your interest. If I can be of further assistance you can reach me by phone most any time between 8:00 am and 9:00 pm 7 days a week. You can also email me at bruce@bweaver.com.
Bruce Weaver
205-965-6761

Real Estate Information, New Foreclosures

----------------------------------------------
The following are the links to the selected listings.

Details 383978, 6217 CARDINAL DR, PINSON, AL - $175,000.00
Details 383913, 2509 CARMEL RD, BIRMINGHAM, AL - $89,250.00
Details 384077, 840 NW 23RD TERR, CENTER POINT, AL - $93,000.00
Details 384110, 873 S 77TH ST, BIRMINGHAM, AL - $29,900.00
Details 384029, 615 PINEHILL RD, BIRMINGHAM, AL - $12,000.00
Details 384031, 5751 COLONY LN, HOOVER, AL - $124,900.00
Details 384055, 1729 PATTON CHAPEL RD, HOOVER, AL - $225,000.00
Details 384076, 1001 STAFFORD CT, BIRMINGHAM, AL - $349,000.00
Details 383984, 1360 SHELBY FOREST CT, CHELSEA, AL - $171,000.00
Details 384100, 139 ELRIE BLVD, BESSEMER, AL - $35,000.00

Or Click Here to go view all listings at once.

If your email program doesn't support an HTML url, then copy and paste the following
address to your browser's address box. Make sure you copy and paste the
entire link; it may appear on multiple lines.

http://bhammls.net/BAARReports/listings.asp?ID=RBR6937855

REALTORS: REAL-Service REAL-Expertise.
You can also visit http://www.bruceweaver.com to perform your own property search.

Thank you for your interest. If I can be of further assistance you can reach me by phone most any time between 8:00 am and 9:00 pm 7 days a week. You can also email me at bruce@bweaver.com.
Bruce Weaver
205-965-6761

Fw: Real Estate Advisor: April

Sent from my BlackBerry® wireless device
Thank you,
Bruce Weaver
RE/MAX Southern Homes

www.bweaver.com

-----Original Message-----
From: "Bruce Weaver" <a55023@real-estate-mail.net>

Date: Tue, 25 Mar 2008 07:59:45
To:"b weaver" <pellcity@gmail.com>
Subject: Real Estate Advisor: April





Real Estate Advisor: April <http://media.reliancenetwork.com/media/global/newsletters/mon

thly/2008/April/April_header.jpg>
Real Estate Advisor: April




*

----------------

Last Minute Tax Tips

Most of us welcome the middle of April - the weather finally starts to show some of the promise of Spring, letting us know that Summer can't be far behind. For a few harried individuals, however, this time of year is the start of nail-biting, hope-I-didn't-forget-anything dash of paperwork in order to meet the IRS's filing deadline on the 15th. If you're one of these bleary-eyed souls, this last minute guide is for you.
Beat the Deadline
<http://media.reliancenetwork.com/media/global/newsletters/mon

thly/2008/April/Tax.jpg> In order to be considered on time, your return must be properly addressed and postmarked no later than April 15. That doesn't mean that you have until the 15th to start your taxes, however. Procrastinating until the last minute can easily cause you to miss potential sources of tax savings and will put you in far greater jeopardy of making mistakes.
File a Paperless Return
Filing your return online can be far easier than putting pen to paper the old fashioned way. A number of professional tax return preparers offer electronic filing of tax returns in addition to their normal return preparation services. In most cases these e-filing services do a good job of guiding you through the entire filing process. Most charge a modest fee and offer a range of additional e-filing products for those who need additional assistance.
In addition to being fairly easy, e-filing is the typically the quickest and most accurate method of filing tax return. If you're due a refund, the waiting time for e-filers is half that of paper filers. By filing online you also have the option to have any refund directly deposited into your bank account. Almost 80 million taxpayers filed their returns electronically in last fiscal year.
Payment Options
If you can't immediately pay the full balance of taxes you owe, there are still alternatives available to you. You can apply for an IRS installment agreement, using their new Online Payment Agreement application on IRS.gov. This Web-based tool allows qualified taxpayers or their official representatives to self-qualify, apply for, and receive immediate notification of approval. You also have a number of options for charging your balance on a credit or debit card. There is no IRS fee for credit or debit card payments, but the processing companies will charge a convenience fee. E-filers with a balance due may pay their taxes directly from their checking or savings account on the April due date with no service fee.
Extensions
Should you find that you are unable to file by the due date of your return, you can request an extension of time to file. However, it's important to note that an extension of time to file is not an extension of time to pay. You will owe interest on any past-due tax and you may be subject to a late-payment penalty if payment is not made timely. To receive an automatic 6-month extension of time to file your return, you must file Form 4868 by the due date of your return.
Joint Returns <http://media.reliancenetwork.com/media/global/newsletters/mon

thly/2008/April/Tracks.jpg> If you are married and will be filing a joint return, remember that both husband and wife must sign the return. If your spouse cannot sign (because of disease or injury) and requests that you sign the return, you should sign your spouse's name in the proper place followed by the word "by" your signature, followed by the word "husband" or "wife". Don't forget to also sign in the space provided for your own signature. In addition, you must attach a statement that includes the form number of the return you are filing, the tax year, the reason your spouse cannot sign the return, and a statement that your spouse has agreed to your signing for him or her.
Special Rebate
Unless you've been sleepwalking for the last few months, you probably have heard about the individual rebates that many taxpayers will be receiving as part of an economic stimulus package. Under the Economic Stimulus Act of 2008, some 130 million Americans will receive checks entirely separate from normal refunds. The most common questions: who will be getting money, how much and when?
If you earned more than $3,000 for the 2007 tax year but owed no taxes, you will get some money back. If you had any net tax liability for 2007 you should likewise seem some form of rebate. In many cases there is a rebate bonus for taxpayers who claim children (those under 17 years of age). Non resident aliens are excluded from the rebate program. The rebate amount begins filing out if your adjusted gross income is over a certain threshold ($75,000 for single filers, $150,000 for married couples filing jointly).
In general, the basic rebate amounts break down as follows:

* Individual taxpayers could receive rebate checks ranging from $300 to $600.
* Married couples will get up to $1,200.
* Most individuals who have income of $3,000 but who do not have to file a return will get $300.
* Some taxpayers with children will receive an additional $300 per child.

Because the IRS needs time to the normal glut of 1040s from filing season, checks will not start being issued until May at the earliest. According to the IRS, payment date will be based on the last two-digits of your Social Security number, with checks being mailed between mid-May and Mid-July. If you previously requested that your standard tax return's refund be directly deposited to your bank account, the additional rebate will likewise come through as a direct deposit.
Go to the Pros
If you've decided to wait until the last minute to file your tax return, chances are this isn't the first time in your life that someone has told you to seek professional help. In all seriousness, when the deadline is fast approaching obtaining a seasoned tax expert is a sound decision. The extra care, protection and expertise that a knowledgeable tax preparer can provide are more than worth the cost of their services.

* Back To Top

Real Estate Information, New Foreclosure

----------------------------------------------
The following are the links to the selected listings.

Details 383698, 511 TAMWORTH LN, HOMEWOOD, AL - $575,000.00

Or Click Here to go view all listings at once.

If your email program doesn't support an HTML url, then copy and paste the following
address to your browser's address box. Make sure you copy and paste the
entire link; it may appear on multiple lines.

http://bhammls.net/BAARReports/listings.asp?ID=RBR6915257

REALTORS: REAL-Service REAL-Expertise.
You can also visit http://www.bruceweaver.com to perform your own property search.

Thank you for your interest. If I can be of further assistance you can reach me by phone most any time between 8:00 am and 9:00 pm 7 days a week. You can also email me at bruce@bweaver.com.
Bruce Weaver
205-965-6761

Real Estate Information, Recent Foreclosures

----------------------------------------------
The following are the links to the selected listings.

Details 383285, 3008 WARE DR, DORA, AL - $69,900.00
Details 383569, 9494 DADS HILL RD, WARRIOR, AL - $94,000.00
Details 383305, 1986 FOUNDERS CIR, KIMBERLY, AL - $229,000.00
Details 383102, 2644 CHESTNUT WAY, PINSON, AL - $89,900.00
Details 383577, 5107 STONEARBOR DR, PINSON, AL - $89,900.00
Details 383253, 5025 GOLD LEAF LN, PINSON, AL - $187,500.00
Details 383537, 248 TUCKER AVE, BIRMINGHAM, AL - $29,000.00
Details 383242, 1209 BIRCHWOOD ST, BIRMINGHAM, AL - $54,900.00
Details 382983, 340 POLLY REED RD, BIRMINGHAM, AL - $54,900.00
Details 383347, 1000 SPRINGVIEW ST, BIRMINGHAM, AL - $54,900.00
Details 382920, 1613 NW 5TH ST, BIRMINGHAM, AL - $79,900.00
Details 383533, 1220 BIRCHWOOD ST, BIRMINGHAM, AL - $84,000.00
Details 382935, 215 VON DALE DR, BIRMINGHAM, AL - $84,900.00
Details 383474, 733 ORCHARD RD, BIRMINGHAM, AL - $87,400.00
Details 383534, 2633 NW 2ND PL, BIRMINGHAM, AL - $87,500.00
Details 383581, 1123 KAWANDA LN, BIRMINGHAM, AL - $89,900.00
Details 383277, 1142 EDWARDS LAKE RD, BIRMINGHAM, AL - $109,250.00
Details 383559, 505 LAKESIDE CIR, BIRMINGHAM, AL - $109,900.00
Details 383261, 835 SHERMAN OAKS DR, BIRMINGHAM, AL - $109,900.00
Details 383544, 1619 NW 6TH PL, BIRMINGHAM, AL - $115,000.00
Details 383232, 3374 SMITH SIMS RD, #1, TRUSSVILLE, AL - $199,900.00
Details 383602, 229 RIDGEWOOD DR, #42, TRUSSVILLE, AL - $245,000.00
Details 383252, 6107 BROADWING RD, TRUSSVILLE, AL - $245,900.00
Details 383096, 1116 AVALON DR, MOODY, AL - $148,000.00
Details 383294, 990 MAIN ST, RAGLAND, AL - $15,900.00
Details 383555, 266 RIDGE RD, ODENVILLE, AL - $32,000.00
Details 383565, 40 OLIVIA DR, TRUSSVILLE, AL - $120,000.00
Details 383606, 407 E 21ST ST, ANNISTON, AL - $34,900.00
Details 383171, 6309 MEADOWLARK DR, #10, ANNISTON, AL - $59,900.00
Details 383229, 61 TOLBERT, ANNISTON, AL - $64,500.00
Details 383344, 1305 CLAIRMONT DR, WEAVER, AL - $74,500.00
Details 383430, 8720 N 2ND CT, BIRMINGHAM, AL - $15,900.00
Details 383531, 8309 S 8TH AVE, BIRMINGHAM, AL - $19,000.00
Details 383139, 8116 N 5TH AVE, BIRMINGHAM, AL - $29,900.00
Details 383175, 4920 N 2ND AVE, BIRMINGHAM, AL - $34,900.00
Details 383128, 18 4TH AVE, BIRMINGHAM, AL - $36,000.00
Details 383541, 612 BISCAYNE DR, BIRMINGHAM, AL - $44,500.00
Details 383547, 8005 S 9TH AVE, BIRMINGHAM, AL - $55,000.00
Details 383383, 1150 HALL ST, TARRANT, AL - $7,900.00
Details 383070, 1932 N 15TH CT, BIRMINGHAM, AL - $25,200.00
Details 383554, 1389 FULTON AVE, BIRMINGHAM, AL - $32,250.00
Details 382940, 1440 AUBURN AVE, BIRMINGHAM, AL - $45,000.00
Details 382923, 1624 34TH AVE, BIRMINGHAM, AL - $79,900.00
Details 383236, 6029 S 5TH AVE, BIRMINGHAM, AL - $15,000.00
Details 383508, 206 MOUNTAIN AVE, MOUNTAIN BROOK, AL - $340,000.00
Details 383490, 2733 OLD TRC, MOUNTAIN BROOK, AL - $900,000.00
Details 383075, 1628 STONEWALL DR, BIRMINGHAM, AL - $239,900.00
Details 383120, 3408 OLD WOOD LN, VESTAVIA HILLS, AL - $254,000.00
Details 383465, 2415 HWY 45, STERRETT, AL - $109,900.00
Details 383553, 84 HWY 97, COLUMBIANA, AL - $75,000.00
Details 383299, 2024 ASHLAND HWY, TALLADEGA, AL - $34,900.00
Details 383197, 136 WINSTON ST, TALLADEGA, AL - $143,900.00
Details 383586, 520 PARK VILLAGE LN, ALABASTER, AL - $132,000.00
Details 383431, 1713 LONG 14TH ST, BESSEMER, AL - $29,000.00
Details 383550, 426 S 10TH ST, BESSEMER, AL - $31,000.00
Details 383548, 108 OWEN AVE, BESSEMER, AL - $38,000.00
Details 383588, 429 CENTER ST, BESSEMER, AL - $40,000.00
Details 383487, 1928 BERKLEY AVE, BESSEMER, AL - $72,900.00
Details 383491, 678 FLINT HILL RD, BESSEMER, AL - $79,900.00
Details 383564, 1243 4TH PL, PLEASANT GROVE, AL - $106,500.00
Details 383040, 96 CRYSTAL AVE, HUEYTOWN, AL - $144,900.00
Details 383191, 5483 COACH LN, BESSEMER, AL - $198,900.00
Details 383557, 6204 LETSON FARMS DR, MCCALLA, AL - $181,900.00
Details 383566, 15565 DON ANDERSON PKWY, BROOKWOOD, AL - $128,400.00
Details 383293, 4612 SW GRASSELLI BLVD, BIRMINGHAM, AL - $8,900.00
Details 383506, 1308 W 47TH ST, BIRMINGHAM, AL - $23,000.00
Details 383200, 632 SW 27TH ST, BIRMINGHAM, AL - $24,900.00
Details 383545, 5505 TERRACE Q, BIRMINGHAM, AL - $25,000.00
Details 383551, 424 SW 12TH ST, BIRMINGHAM, AL - $26,000.00
Details 383315, 728 SW MCMILLON AVE, BIRMINGHAM, AL - $29,900.00
Details 383592, 5106 OVERLOOK PL, FAIRFIELD, AL - $38,000.00
Details 383228, 1524 41ST ST, BIRMINGHAM, AL - $45,900.00
Details 383113, 1331 29TH ST, BIRMINGHAM, AL - $45,900.00
Details 383297, 875 W 7TH ST, BIRMINGHAM, AL - $55,000.00
Details 383223, 477 BORDER ST, BIRMINGHAM, AL - $114,900.00
Details 383539, 3318 BONDS AVE, BIRMINGHAM, AL - $64,000.00
Details 383543, 904 W LYNN DALE LN, BIRMINGHAM, AL - $50,000.00

Or Click Here to go view all listings at once.

If your email program doesn't support an HTML url, then copy and paste the following
address to your browser's address box. Make sure you copy and paste the
entire link; it may appear on multiple lines.

http://bhammls.net/BAARReports/listings.asp?ID=RBR6911322

REALTORS: REAL-Service REAL-Expertise.
You can also visit http://www.bruceweaver.com to perform your own property search.

Thank you for your interest. If I can be of further assistance you can reach me by phone most any time between 8:00 am and 9:00 pm 7 days a week. You can also email me at bruce@bweaver.com.
Bruce Weaver
205-965-6761

Fw: Real Estate Advisor: March

------Original Message------
From: Bruce Weaver
To: Bruce Weaver
ReplyTo: Bruce Weaver
Sent: Feb 25, 2008 6:00 AM
Subject: Real Estate Advisor: March

Real Estate Advisor: March <http://media.reliancenetwork.com/media/global/newsletters/monthly/2008/March/March_header.jpg>
Real Estate Advisor: March


----------------

Refinancing Your Mortgage

<http://media.reliancenetwork.com/media/global/newsletters/monthly/2008/March/change.jpg>
Radio airwaves, magazines and newspapers are filled with advertisements from lenders encouraging homeowners to refinance their home mortgages. These messages extol the virtues of switching from Adjustable Rate packages to fixed mortgages of locking in lower interest rates. The question is: would refinancing your mortgage really be the right move for you?
Rise of the Refi
Interest rates have fallen dramatically since the first of the year, and as a result mortgage refinancing has been gaining steam across the country. Applications to refinance existing mortgages have been on the rise in recent weeks. Many of these homeowners are just as attracted to the possibility of getting out of riskier Adjustable Rate Mortgages as they are to lower rates.
Whether or not you should refinance your mortgage depends largely on your personal circumstance. Most important are the interest rate and terms of your current mortgage as well as your outlook (how long you intend to own your home).
The conventional wisdom has always been that you shouldn't refinance until the interest rate has dropped a full point (or more) below what you're currently paying. The basic theory behind this advice is sound enough: given the typical costs associated with refinancing, chasing lower interest rates is only financially sound once the rates drop below a certain threshold. But the old rules fail to take into account some of today's situations, such as owners wanting to switch from an ARM to a fixed rate mortgage or those eyeing a "no-cost" refi.
Things to consider
<http://media.reliancenetwork.com/media/global/newsletters/monthly/2008/March/buyer.jpg> As with most money matters, there is no "one-size-fits-all" answer to the refinancing question. If you're considering refinancing, consider these elements:
Rate - Interest rates have been dropping throughout 2008, and a large number of homeowners are seeking to take advantage by locking into lower rates. Some believe that it is better to wait and see if rates will continue to drop, owing that the general trend has been downward. On the other hand, the current rates are a known commodity that you may wish to take advantage of.
Risk - Historically the main motivation for refinancing a mortgage has been to secure a loan with a lower interest rate. But many homeowners are now seeking to refinance mainly for the kind of security that ARM products typically can't offer. If you have concerns over future fluctuations or spikes in interest rates, you may wish to lock in a fixed 15 or 30 year fixed rate mortgage, particularly if there is no annual or lifetime cap on the amount that your current loan can increase.
Term - In addition to the rate and structure of your loan, take into account the term of your current loan and any potential refinance. For example, if you've already paid off eight or nine years of your current mortgage, you might find opportunity in a fixed 15-year or 20-year loan as opposed to the more common 30-year product. In general, extending the total term of your loan will negate the benefits of lower interest rates, so try to keep the bigger picture in mind.
Closing Costs - As with primary mortgages, refinancing a mortgage entails up-front expenses. Many lenders are offering refinancing packages with modest out-of-pocket expenses. Even if lower than average, these costs may be substantial and additional fees may be added to your loan balance.  Some lenders are even offering "no-cost" refinancing in order to attract homeowners. Remember that in such cases you'll likely not get the lowest interest rate available in the market. Be sure to carefully weigh the benefits of any "no-cost" package against those of traditional refinances available to you.
The Break-Even Point
<http://media.reliancenetwork.com/media/global/newsletters/monthly/2008/March/couple.jpg> Unless you've secured no-cost refinancing, you'll need to weigh the cost of the new loan against the amount you'll save over the term of the loan. One simple way to determine if refinancing is in your best interest is to determine the amount of time (with your monthly savings) it would take to recoup any fees or closing costs.
To start you'll need to determine your (potential) monthly savings. Review your payment coupon to verify the amount of your current monthly interest and principal. After establishing the rates and loan packages that you qualify for, ask your loan officer or mortgage broker for an estimated monthly payment. Many online mortgage calculators can also help you determine monthly costs if given the principal loan conditions.
You can now use that monthly savings to determine the point at which you'll begin to see a real return. For example, say refinancing will entail $2000 in costs but will save you $50 every month in payments. If you divide the mortgage fees by the monthly savings you find that the "break-even" point is 40 months from now. After that point the monthly savings would no longer be mitigated by the up-front costs.
Again, your personal situation determines whether or not the prospect of refinancing is truly viable. If you plan to own your home for many years or the cost of refinancing is very low, then you're more likely to realize the benefit of securing a new mortgage.



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Thank You,
Bruce Weaver
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Ph:205-965-6761

www.bweaver.com

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