Tuesday, August 31, 2010

Tennessee is a Caring, Compassionate State of Volunteers

Tennessee is nicknamed The Volunteer State for very good reason. A huge number of volunteer soldiers fought in the significant Battle of New Orleans during the War of 1812, thereby earning the nickname.
Today, the volunteer spirit is alive and well. In the spring of 2010, a stalled weather pattern sat over the state dumping dozens of inches of rain throughout a week-long period. The result was massive flooding the deluged residents from Memphis to outside of Nashville. Thousands of homes were underwater and many families and businesses lost everything.
One family of ten located in a 1200 square foot home had water to within a foot of the ceiling. All their electronics, clothes, furniture, photos, and other belongings were ruined. Another family had water that only came in and rose a foot. That family lost furniture, shoes, electronics, and kitchen and bathroom cabinets. In addition, 24 inches (half a 4x8 ft. piece of drywall) of wall from the floor up were removed due to water damage, and all the flooring throughout the entire home was ruined.
Not only did FEMA step into help these and all the other families, but community volunteers rallied around these people in need. The famous celebrities of the state put on a show to raise millions for flood relief, but on a local level emergency shelters were set up, homes were opened neighbor to neighbor, and local businesses collected drinking water, gift cards, and other emergency items. When the work began, Facebook was filled with messages asking for volunteers to help. One laid off construction worker - a stranger - arrived at a home to pull up the difficult Pergo flooring, then he kept returning to lay new tile and hardwood. Another volunteer arrived with a mop and rubber gloves and proceeded to scrub the entire house to remove dangerous bacteria. A classically trained designer volunteered to decorate. A Realtor painted room after room.
Tennesseans care about each other and they show it by helping get people in their homes. As a result of the flooding, real estate values in specific houses will sink where repairs are not adequately or professionally made. In addition, monthly payments will increase for homeowners as they pay flood insurance for protection in the event of future flooding.
On the positive side, most of the homeowners who have repaired their real estate are finding their homes now in better condition than they were before the flooding. With new cabinets, fresh paint, new flooring, new appliances, new vents, new trim, and new furniture, if they choose to sell buyers will appreciate getting a "like new" home for the price of an existing residence.
Most importantly, however, people who buy homes will find their communities are filled with compassionate, caring people.

Tennessee Mortgage Rates
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Tennessee mortgage rates, home buying tools, average home value, real estate market trends

Monday, August 30, 2010

From the Mountains to Graceland

Having lived in numerous states and visiting all but three, it is easy to say that Tennessee encompasses one of the most beautiful areas of the country. From the tall Smoky Mountains in the Eastern part of the state, the rolling hills and river communities of central state, and Memphis, the gateway of the Mississippi Delta, all but ocean geography are represented.

In addition to the opportunities offered by outdoor Tennessee, residents also enjoy living free from state income tax. Businesses are also favored with a workforce diverse in that there are both highly educated staff available, as well as manufacturing savvy employees. The post-secondary education system offers residents higher learning opportunities through technical, community college, four-year state institutions, and well-known private schools like Vanderbilt University.

With the combination of these economic, educational, and recreational factors, not only is the population stable, but the housing market has also maintained a strong presence with the exception of overbuilt new construction and pockets of stigmatized neighborhoods.

While housing values have dropped, real estate sales have not completely stopped as in some parts of the nation. For example, Memphis five years ago, the average price of a home was $109,000. Today the average price is $110,000. While there were many dips throughout the 60-month period, that the prices have now caught up with the values of five years ago is significant and a perfect example of why Tennessee is a popular state in which to live.



 
Throughout the entire state, there are both affordable homes in all the major metropolitan areas, along with upscale communities. For example, in Nashville you can find a $70,000 home in good condition only miles from mansions owned by celebrities like Wynona Judd, Keith Urban and Nicole Kidman, Taylor Swift, and a host of other famous musicians and actors.

Again in Memphis, you'll find very affordable homes alongside one of the most famous pieces of real estate in the South. Graceland - the well loved home of Elvis Presley - remains open today for the public to tour. Purchased by the man who made rock and roll famous in 1957, the home is built with limestone and decorated with only the best designs of the era when the king reigned supreme.

Graceland is one piece of real estate that will likely not be sold for a very long time. Buyers locating to Tennessee will not be disappointed with what's left, though. Tens of thousands of diverse, beautiful, affordable, expensive, and manicured homes are available at any given time in Tennessee - waiting for the right buyer who wants to call the Volunteer State home.

Tennessee Mortgage Rates
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Thursday, August 26, 2010

Idaho Not For The Faint of Heart

Reading into some of Idaho's history, you'll discover people like Polly Bemis a Chinese woman who was sold into slavery as a child, moved to San Francisco, and eventually bought her freedom from an Idaho bartender. She established a boarding house and was one of the first pioneers to settle Idaho. You'll also read about Sacagawea, the famous American Indian who guided Captains Lewis and Clark as the traveled west. Then there’s Gutzon Borglum, the famous sculptor who the Mount Rushmore Memorial in the Black Hills of South Dakota.

Idaho is not for the faint of heart. Instead the beautiful state seems designed for people who love the outdoors, like adventure, and crave natural beauty. The small towns of Idaho have produced numerous famous people, those who excel in politics, athletics, and entertainment. And it's in these small towns that people are finding beautiful real estate to settle as their new homes.

About midway between Boise and Pocatello is a little town called Sun Valley where Ernest Hemingway spent his last years. Living in Sun Valley is not inexpensive. There are only three houses now available listed below $200,000. Two of these have less than 600 square feet and the one larger house is pink with green trim.

Homes priced over $200,000 are lovely and all have a rugged mountain feel. Wood-lined walls, beamed ceilings, and panoramic views highlight the real estate of Sun Valley.

A couple of famous people hail from Rupert, Idaho. CNN news anchor Lou Dobbs and Bill Fagerbakke, the voice of Patrick on SpongeBob Square Pants and former actor on the television series Coach, attended Minico High School in the town of just under 6,000. Most properties are listed below $100,000, but they do extend up to the mid $300's. Rupert is an agricultural farming community that borders the Minidoka Wildlife Refuge, comprised of wetlands and an arid climate.
Finally famous Olympian and alpine skier Picabo Street was born in Triumph, Idaho. With a population of just 50 people, real estate is very challenging to find. Instead, buyers would have to search for homes and land in nearby Hailey, Idaho.

Nestled next to Sun Valley, homes in Hailey are also expensive, but affordable homes can also be found easily. The joy of living in this area - whether you're in it for a $500 p/month mortgage payment or a $5,000 p/month lien - is that no matter what direction you drive, you'll find gorgeous views of the Sawtooth Mountains.

Real estate in Idaho is truly the most beautiful in the nation, for slim or fat pocketbooks, or for nature lovers and adventurers everywhere.

Idaho Mortgage Rates
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Idaho mortgage rates, home buying tools, average home value, real estate market trends

Idaho Not For The Faint of Heart

Wearing a 10-gallon hat, snakeskin boots, and a handlebar mustache, the cowboy strums his guitar and says the warm words,

May the warm winds of heaven
blow softly on your house
and may the Great Spirit
bless all who enter there.

Cowboy poets are plentiful in Idaho, just like the availability of ranches, homes, and other real estate options. And in Idaho, homeowners take pride in their houses just as the cowboy poets do their words and songs.

One of the most popular Idaho destinations is Coeur d’Alene – named the heart of the awl by French settlers. The town is primarily known for its resort amenities because of the beautiful lake, festivals, bistros, and other recreational activities. Houses are available both in the thriving downtown and the nearby forestland and wooded areas, allowing for either fun-loving or privacy-seeking buyers.

In the city, buyers can find a large selection of homes – from the cozy cottages of a winter climate to two-story modern designs. Prices average in the mid-$100’s, including $120,000 to $175,000. Given the extensive winters, the homes are built to stay warm with double paned windows, fireplaces, and insulation throughout. There is no shortage of light, though, because most homes have big windows to allow maximum sunshine in to warm the residents.

Luxury condominiums are also available in Coeur d’Alene – especially with views of the lake and mountains. While many of the condos are priced quite high (for the exclusive properties like Coeur d’Alene Terraces), others are more moderately priced in the low $200,000’s. While panoramic scenery is spectacular outside the windows and decks of the condos, the amenities inside are found in any modern home, including stainless appliances in the kitchen, tile in the wet areas, and neutral carpet and paint colors throughout the rest of the home.

Homes nestled closer to the mountains are also available in a variety of prices. Real estate made of floor to ceiling windows start in the upper $400,000’s, but older homes that have served as homesteads through the last few generations are in the low $100,000’s.

No matter where you choose to live in Coeur d’Alene, however, one thing is for sure: there will be a variety of outdoor activities for enthusiasts at any level, beginner outdoorsmen to the highly experienced. Fishing, jet skis, hiking, hunting, riding snowmobiles, concerts, shopping, boutiques, and fine dining… it’s all there for people who choose to make Idaho their home.

Idaho Mortgage Rates
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Gulf Shores - Where the Locals Vacation

For people firmly rooted in the dirt of the interior U.S., living on the ocean seems but a dream. However, you don't have to live right on the sand to experience the full benefits of a beach lifestyle. There are many properties within a 15-minute walk to the oceanfront, especially in Gulf Shores, Alabama. And if you're willing to walk a little - or go on a short drive - those properties become affordable for even the most frugal budgets.

A three-bedroom, two bath cottage home is available in Gulf Shores for $135,000. Located just five miles from the ocean, the clean home with crown molding, cathedral ceilings, and an open floor plan is next to state park land so privacy is also assured. There are numerous new construction homes also available for under $130,000. Where a buyer would get a subdivision lifestyle, they would also have all new appliances, flooring, paint, cabinets, and yard. One craftsman style home has 1600 square feet, three bedrooms, two baths, a two-car garage, garden style bathtub, and is listed at $129,900.

If your pocketbook allows for a more expensive home, a home on the river or a few blocks away from the ocean could be a good option if you'd like to keep the price below $500,000. To live on the ocean, however, count on spending a half million or more. One home currently listed for $399,000 is just one block from the ocean. The fun, eclectic house features tile stairs, built in shelves in the living room, a glorious wraparound deck, and new roof, new paint, and storm windows and doors throughout.

If you live one block from the beach, how would you spend your free time? Walk to the pier with a fishing pole for some fresh seafood for dinner. Bring a towel, comfortable chair, lots of sunscreen, and a good book to spend an afternoon soaking in the rays. Or if you're an early bird type, walk to the ocean with a basket to collect sand dollars and conch shells for your craft projects or shell collection.

Fresh seafood is always an option in Gulf Shores, Alabama. Whether you prepare it yourself as a resident or if you dine at one of the numerous restaurants that specialize in seafood, crab legs and shrimp are always available. However given the recent oil spill in the Gulf, talk to some locals about what to watch for before you voraciously eat from the ocean's bounty. Gulf Shores offers one of the most beautiful ocean fronts in the nation and it's good to know that just about anyone can make their home in the affordable, fun area.


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Wednesday, August 25, 2010

Gadsden Alabama Saves Itself, Becomes More Livable

Sometimes reinventing yourself is imperative for the sake of survival. In 1989, Gadsden, Alabama was named as one of the seven worst places to live in the United States. The river town had previously been the site of heavy industry whose closures caused its near demise.

When the city hit that low point, officials knew something had to be done. Instead of chasing after new industry and manufacturing, they reinvented themselves by focusing on downtown redevelopment and bringing in arts and culture to the residents.

After years of focus and dedicated work toward improving the town, Gadsden was given the top spot in the 2000 City Livability Awards Program - proof that reinvention is possible everywhere with the right plan and support from citizens.

Today, Gadsden has about 40,000 residents and the average income is around $25,000. Given these incomes, real estate is also very affordable by national standards. The average price of a house is $85,000 and features three bedrooms and two bathrooms. While garages are not uncommon in Gadsden, the milder southern winters do not make them imperative. However, carports are likely to be found with a large number of homes.


Homes in Gadsden also offer bathrooms tiled in the 50s and 60s styles, eat-in kitchens with big windows that overlook the back yard, moderately sized bedrooms, and - if you are lucky - a functional barbeque pit for summer cookouts. One house currently on the market in Gadsden even offers wallpaper on the ceiling!

Downtown Gadsden provides entertainment throughout the year, including concerts, painting classes, and "Cruise-In" car and motorcycle shows. The car shows should come as no surprise as Gadsden is in the heart of car-racing country. With the famous Talladega Super Speedway only 20 miles (as the bird flies) south, car racing is a huge part of the Gadsden mentality.

However if nature is more your speed, you can hike and visit the local Noccalula Falls Park. The park was named after a Native American princess who supposedly jumped to her death after being ordered by her father to marry a man - someone she did not love and had no intentions of spending her life with. Notwithstanding the sad tale of its name, the beautiful waterfall plunges 90 feet into the Black Creek ravine.

If the South is in your blood and you want to live in a warm climate, buy affordable homes, attend nearby car races, the delve into the mystery of a tragic ending for an American princess, then the revitalized city of Gadsden should top your list of places to go.


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Vernal, Utah - Home of the Strange

One ranch in Utah has been surrounded by mystery for decades, but the houses surrounding the ranch are less creepy. Tucked in the Northeast corner of the state, the Sherman Ranch has a history of UFO spottings, strange animal sightings, and roaming dinosaurs. The dinosaurs, of course, roamed millions of years ago, but the other stuff has been more recent.

Sherman Ranch - also known as Skinwalker Ranch by the local Ute Indian tribe - is located somewhere near Vernal, Utah and is comprised of 480 acres and a house that has deadbolts both on the inside and outside. The Sherman family bought it in 1995, but were happy to sell it for $200,000 to a curious Robert Bigelow a year later to get away from the hauntings.

One event that occurred when the Shermans first moved to the ranch was the appearance of a wolf that was people friendly. It was patted and petted, but when it attacked a penned cow, Pa Sherman shot it five times before it let go. The wolf acted uninjured and walked away, but when the Mr. Sherman and his son tracked it, the tracks abruptly stopped in thin air.

Besides the creepy Sherman Ranch, other residents experience only UFO sightings. They also experience what I would consider average prices on available homes. You won’t find many "giveaway" homes with prices below $70,000. Home prices range from $125,000 to $200,000, with the average price being $140,000. At $140,000, real estate is fairly standard with not many upgrades. For example, windows are not trimmed out, vinyl flooring in the kitchen and bathrooms, and one-sink master bathrooms with laminate counters.

Even the higher-end real estate for sale in Vernal is somewhat standard. Most homes feature extra large garages, but the kitchen appliances are white or cream colored, nor are other spectacular upgrades to be found.

That said, it appears that all homes located in this climate where winters are severe have fireplaces or wood-burning stoves. One house even comes with a recreational vehicle - presumably to escape to warmer weather once an angry Old Man Winter settles in for a long winter nap.

What is really nice about Vernal (besides being a would-be Mecca for UFO and paranormal hunters) are the nearby well-preserved dinosaur tracks. In addition, lots of winter recreational activities are available - from snowmobiling to skiing. During the summer, white water rafting and hiking are fun pastimes for residents and visitors alike.

If you make the move to Vernal, Utah, plan to spend some money to buy a house, plan to see an occasional UFO, and plan to have a good time with both winter and summer recreational activities.

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Utah mortgage rates, home buying tools, average home value, real estate market trends