Please watch this short video...Unique Artsy Fairhope Cottage 2 Blocks from Mobile Bay...

Watch this great video about a very remarkable Fairhope Cottage JUST LISTED!  4 bedrooms, 2.5 baths
all on one level, sunroom, completely renovated by a well known local artist/home designer...READ MORE

Improve your credit>>>Call Tamatha>>>Buy a house

What You Can Do to Improve Your Credit

Credit scores, along with your overall income and debt, are big factors in determining whether you’ll qualify for a loan and what your loan terms will be. So, keep your credit score high by doing the following:
1. Check for and correct any errors in your credit report. Mistakes happen, and you could be paying for someone else’s poor financial management.
2. Pay down credit card bills. If possible, pay off the entire balance every month. Transferring credit card debt from one card to another could lower your score.
3. Don’t charge your credit cards to the maximum limit.
4. Wait 12 months after credit difficulties to apply for a mortgage. You’re penalized less for problems after a year.
5. Don’t order items for your new home on credit — such as appliances and furniture — until after the loan is approved. The amounts will add to your debt.
6. Don’t open new credit card accounts before applying for a mortgage. Too much available credit can lower your score.
7. Shop for mortgage rates all at once. Too many credit applications can lower your score, but multiple inquiries from the same type of lender are counted as one inquiry if submitted over a short period of time.
8. Avoid finance companies. Even if you pay the loan on time, the interest is high and it will probably be considered a sign of poor credit management.
This information is copyrighted by the Fannie Mae Foundation and is used with permission of the Fannie Mae Foundation. To obtain a complete copy of the publication, Knowing and Understanding Your Credit, visit www.homebuyingguide.org.

Fairhope Sunset after a SPECTACULAR DAY!

After a beautiful Sunny Day here in Fairhope Alabama...the sunset at the Fairhope Municipal Pier was outstanding!  Enjoy this lovely weather we are having...

iMobileBay.com BLOG

BUYERS...Should You Try to "Time the Market"?

One problem with attempting to time your purchase to the business cycle is that no one can accurately predict the future. Another challenge is that interest rates are generally higher during a depressed market and income may not be keeping up. For that reason, fewer people can qualify for a home purchase than in more prosperous times.

PLUS! Many buyers have already taken advantage of the low interest rates to buy the home they REALLY want, instead of waiting around until the rates start rising....if that happens, you may miss out on the home of your dreams and still end up paying a higher rate too.

I know we agents at Ashurst and Niemeyer are very busy. We are helping more buyers and sellers than we have in a couple of years. 

So get off the fence and get moving to buy your next home!  Click here to SEARCH ALL MLS LISTED PROPERTIES IN BALDWIN COUNTY TO START YOUR SEARCH...

Buyers, Get an Edge During The Busy Spring Season

Hello Fairhope, Daphne, Spanish Fort, Point Clear, Montrose, and all Baldwin County Alabama Buyers...I hope you find this interesting...

Tamatha McElmurry, Ashurst & Niemeyer, 251-209-6650

Buyers, Get an Edge During The Busy Spring Season

Sponsored By

Getting started early is key to success

By Michele Dawson

The spring and summer months are traditionally the busiest times of year for the residential real estate market. Weather is more cooperative and many families like to move while the kids are on their summer break.

But in recent years spring, for many regions, has meant more homes on the market, but also more buyers, fierce competition and an increase in prices.

If you're in the market for a house this spring, there are a number of steps you can take to try to give you the advantage over other homebuyers, including:

• If you're going to work with a Realtor or real estate professional, get started early. Interview three or four, get references and let the person you choose know exactly what you're looking for.
• Get your loan pre-approved. This will give an advantage on several fronts. First, READ MORE>>>

"On the fence"? Are mortgage interest rates going up....

If you have been sitting back waiting for mortgage interest rates to go EVEN LOWER, then I suggest that you might want to hop off the fence and get busy buying a home!  With the new issues in the Middle East, oil prices are rising.  History states that when that happens ALL OTHER COMMERCE pricing rises also.  Rates have already adjusted up around the 5% mark.  Some days the rates have already risen over the 5% mark.  Let's be honest...a 5% interest rate on a 30 year mortgage is an incredible deal!  So, take advantage of these historically low rates while you have that choice...Search all of Baldwin County MLS listings here

Welcome to my BLOG! iMobileBay.com Tamatha McElmurry

Hi Everyone!  I just launced my new website http://www.imobilebay.com/ and wanted to create an interactive blog too!  This blog will cover local events, real estate, news, travel, golf, tennis, and all my favorite local places in Fairhope, Daphne, Spanish Fort, Point Clear, Mobile and the surrounding areas of the Eastern Shore of Mobile Bay in Baldwin County, Alabama.

Tamatha McElmurry
Associate Real Estate Broker
Ashurst & Niemeyer, LLC
23800 Hwy. 98
Fairhope, AL  36532
251-928-9265
251-209-6650