Classic Interior Design Styles

Classic Interior Design Style

Classic interior design styles have stood the test of time, encompassing various aesthetics and themes that remain popular in contemporary homes. These enduring styles are often characterized by their use of traditional materials, patterns, and layouts, ensuring a timeless appeal that continues to captivate homeowners and designers alike. By exploring the nuances of classic interior design styles, one can create elegant and comfortable spaces that harmoniously blend the old and new — no matter what community in Alabama you are interested in.

One such style is the traditional interior design, which showcases symmetry, refined color palettes, and elegant furnishings to create a sense of harmony and order. Another enduring classic is the rustic design, which incorporates natural elements such as raw wood, stone, and leather, along with weathered finishes and unexpected touches to evoke a warm, inviting atmosphere. 

Classic Interior Design Styles

These classic styles, among others, demonstrate the versatility and adaptability of timeless design principles, allowing homeowners and designers to create spaces that exude sophistication, comfort, and individuality.

Savannah Starring of The House By SSID describes the classic interior design style as “Classic interiors that stand the test of time, but that incorporate some modern pieces to create a collected feel.” 

By understanding the characteristics and nuances of classic interior design styles, one can confidently create a home that reflects their personal tastes and stands the test of time.

Belinda Doyle with Dilworth Development states, “I love the timeless beauty of traditional design while adding some modern touches to give it an updated current flare. A thoughtful blend of these two styles keeps it fresh without being too trendy (which tends to make it easily dated.).”

Traditional

Traditional interior design finds its roots in 18th and 19th-century European interiors, creating an elegant, timeless atmosphere. This style emphasizes dark wood furniture, ornately detailed pieces, and a sense of sophistication. With influences from England and France, the traditional style incorporates classic textiles such as damask and brocade for upholstery and curtains. Moldings and trim in this style tend to be more elaborate, complemented by rich color palettes, and often layered with patterns. 

To achieve a traditional design, consider:

  • Using dark wood furniture with intricate details
  • Incorporating textiles like damask and brocade
  • Emphasizing moldings and trims
  • Layering with patterns

Transitional

Transitional design is a harmonious blend of traditional and contemporary elements to create a timeless style that appeals to a wide range of tastes. It seamlessly bridges the gap between the warmth and familiarity of classic aesthetics and the clean lines and innovative materials of modern design, resulting in spaces that exude both comfort and sophistication.

“This style embraces a timeless and classic style mixed with new and contemporary,” says Ashley Gallion of Ashley Ayer Interiors.

In a transitional interior, you can expect:

  • A mix of old and new elements, such as combining a classic Chesterfield sofa with a sleek glass coffee table
  • A neutral color palette that creates a calming atmosphere
  • An emphasis on texture and materials, like blending raw wood with polished metals or mixing velvet upholstery with sisal rugs
  • The use of layered lighting creates dimension and interest in the space

By incorporating these elements into your interior design, you can create a classic aesthetic that feels both timeless and contemporary.

Key Elements of Classic Interior Design

Symmetrical arrangements are characteristic of classic interior design, providing a sense of stability and balance. Layouts often feature matching furniture and accessories positioned on opposite sides of a room. Mirrors, artwork, and decorative objects contribute to this balance, creating a harmonious atmosphere.

In classic interior design, emphasis is placed on harmony and proportion. Furniture, architectural elements, and decorative items are scaled to complement one another and fit harmoniously within the space. Spatial relationships play a significant role in this design style, with rooms designed to evoke a sense of order and calm.

A refined color palette is essential for achieving a classic interior design style. The palette typically includes muted tones, such as creams, grays, navies, and subtle greens. These colors often communicate a sense of sophistication and elegance, providing an ideal backdrop for luxurious fabrics and high-quality materials.

Classic interior design incorporates high-quality materials that add texture, interest, and a touch of luxury to the space. Common materials used in this style include marble, wood, crystal, and brass. Upholstery and drapery often feature-rich and sumptuous fabrics, such as silk, velvet, and linen. The use of these high-quality materials adds to the timeless appeal of the classic interior design style.

Classic Furniture and Décor

Classic interior design styles often involve incorporating antique and vintage pieces into the space. These classic elements provide a sense of history and elegance. From polished wooden furniture to ornate mirrors, these items contribute to the overall aesthetic of a traditionally designed room.

In classic interior design, upholstery plays a significant role in creating a warm and inviting ambiance. Materials like rich velvets, damasks, and brocades lend an air of sophistication while also providing comfort. Traditional patterns and color palettes are commonly used on both furniture and soft furnishings, like overstuffed beige sofas and Persian rugs.

Meticulous attention to detail characterizes classic interior design, with intricate moldings and woodwork often found in these spaces. Ornate crown moldings, decorative trim, and wood paneling add depth and texture to the room. These elements help define the space and contribute to its timeless appearance.

Lighting serves as an essential component in classic interior design, helping to set the mood and highlight the beautiful features of the space. Options range from updated contemporary light fixtures to traditional chandeliers, with selections generally complementing the overall design of the room. Table lamps, wall sconces, and floor lamps with ornate designs help enhance the room’s sense of grandeur and warmth.

By incorporating these elements, a classic furniture and décor scheme successfully merges timeless appeal and sophisticated elegance.

Incorporating Classic Design into Modern Homes

One effective way to incorporate classic design in modern homes is by mixing and matching styles. “The best way to incorporate this style into your environment is to use things that you have and love, pieces that reflect your personality, lifestyle, and heritage. Pare down the clutter to make these physical elements more prominent,” says Sandy Helton of Vin-Tiques, Inc. 

Combining elements of both modern and antique furniture can create a unique and timeless look. To achieve this, homeowners can combine sleek, contemporary lines typical of modern design with traditional furniture, finishes, and accessories. The result is a harmonious blend of old and new, giving the space a sophisticated and stylish feel.

Another approach to integrating classic design into modern homes is updating classic pieces. This involves breathing new life into vintage furniture or accessories by making subtle adjustments. For example, reupholstering an antique chair with a modern fabric can create a stunning contrast and instantly transform a room. Homeowners can also consider repainting or refinishing wooden furniture to give it a fresh, contemporary look. With some creativity, a modern classic style can be achieved by taking inspiration from the past and adapting it to suit today’s living spaces.

Using classic colors in a modern setting can effectively evoke a sense of timeless elegance. Clean and simple color palettes, such as neutral tones paired with bold accents, can give a room a classic feel with a modern twist. By incorporating these colors into contemporary spaces, homeowners can create an atmosphere of understated sophistication while maintaining a functional and practical living environment.

For more in-depth guidance, Shirley Hammond of Perceptive Designs, LLC says, “Hire a registered interior designer (RID) for short-term advice or complete project specification and implementation.” This will ensure that you are getting top-notch interior design service from a professional and not someone doing this as a simple hobby.

Historic Preservation and Adaptation

When it comes to classic interior design styles, preserving and adapting historic elements plays an essential role in maintaining the integrity of the space. Both restoration and adaptation can help us reconnect with our past while infusing these timeless designs into modern-day living spaces.

Restoring classic interiors involves bringing back the original features and materials of a space, ensuring the design is consistent with its historical context. It often includes repairing and restoring architectural elements, like molding, woodwork, plasterwork, and ceiling details. Additionally, furnishings from the original era are often sourced and restored to help re-create the classic ambiance of a certain period.

Preservation actions often focus on mitigating any damages or deterioration to the original features while also ensuring that modern amenities and comforts do not compromise the space’s historical authenticity. Careful research, skillful craftsmanship, and respect for the original design are essential when undertaking a restoration project.

Adapting Classic Design Elements

While restoring classic interiors is crucial to preserving our architectural heritage, adapting classic design elements allows us to integrate these styles into modern living spaces. This process often involves modifying or transforming the original layout or features to accommodate contemporary needs while still preserving the essence of classic design.

Adapting classic design elements can involve re-purposing existing features, introducing modern materials, or incorporating contemporary furnishing styles that complement the historic space. For example, by reimagining the layout of a traditionally designed room, we can create a more open, functional living area while still maintaining the elegance of the classic interior.

Both historic preservation and adaptation play important roles in the world of classic interior design styles. By respecting and preserving the original features, while also adapting elements to fit contemporary lifestyles, we can maintain the spirit of these timeless designs and create spaces that are both captivating and relevant to modern living.

Step Into A New Home With Classic Style

Whether you are looking to buy a home or build a new home, interior design can be a big decision. Consider the timelessness of Traditional and Transitional interior design when shopping for homes for sale with RealtySouth. Our expert real estate agents in Alabama are ready to answer all your questions and suggest homes with the design potential you seek. 

A Week In The Life Of A Real Estate Agent

A Week In The Life Of A Real Estate Agent

Are you interested in becoming a real estate agent in Alabama? RealtySouth can help you become familiar with what to expect when working as a real estate agent. If a week in the life of a real estate agent still piques your interest, check out our careers in real estate.

A Week In The Life Of A Real Estate Agent

Real estate agents are licensed professionals who assist buyers and sellers in the process of buying and selling properties. They help clients with property valuations, negotiations, marketing, and paperwork, making the process less stressful and more efficient. Their knowledge of the market and experience in real estate transactions is crucial in ensuring a successful outcome.

Monday

A typical Monday for a real estate agent in Alabama may involve following up with guests who attended an open house held over the weekend, completing tasks that were created during the weekend, and planning for the upcoming week. This could include prospecting for new clients, scheduling property viewings, and following up with current clients. 

Mondays are good for networking with other agents or attending the monthly New RealtySouth Agent Meeting. Additionally, this is a good day to work on marketing materials such as social media posts, flyers, and listing descriptions for the remainder of the week. 

Overall, a real estate agent’s Monday is all about laying the groundwork for a productive and successful week ahead.

Tuesday

Tuesdays are great for conducting property showings for potential buyers. Real Estate agents in Alabama may also follow up with potential buyers or sellers, answer questions, and negotiate offers. Throughout the day, agents may communicate with various parties involved in a transaction, such as attorneys, lenders, and appraisers, to ensure everything is progressing smoothly. In addition, this is a good day to spend some time prospecting for new business, researching new properties to add to their portfolio, and scheduling appointments for the rest of the week. 

Overall, a typical Tuesday for a real estate agent in Alabama is focused on serving their clients and keeping transactions moving forward.

Wednesday

The day may start with checking emails, responding to any inquiries from clients, and updating property listings on various websites and social media platforms to attract potential buyers. Any open houses to be held over the weekend should be locked down by this day. Wednesday is also a time to start advertising for any upcoming open houses that haven’t already started advertising.

Overall, a typical Wednesday in real estate involves a balance of administrative work, professional development, and building relationships within the industry.

Thursday

A typical Thursday for a real estate agent in Alabama focuses on managing paperwork and following up with clients. The day may start with reviewing contracts and other legal documents related to ongoing transactions ahead of closings. Real estate agents may also update databases and record-keeping systems to ensure that all paperwork is accurate and up-to-date.

Thursday afternoon is a great time to schedule follow-up calls or meetings with existing clients to discuss the progress of transactions and answer any questions. This provides opportunities to build trust and establish long-term relationships with clients. It is also good to use this time to reach out to potential clients or leads and nurture those relationships.

Thursdays are also typically networking times and events. RealtySouth agents may attend events such as open houses, seminars, or workshops to learn about the latest trends and strategies in Alabama real estate. Our Thursday afternoon classes are valuable as well as the Goldmine Pipeline class and the New Agent Brainstorming class. This also provides opportunities to network with other agents, brokers, and vendors in the field. 

Friday

Finalizing deals and wrapping up loose ends is definitely a Friday task. The day may start with conducting final walkthroughs with clients and coordinating with attorneys, lenders, and other professionals to ensure all necessary paperwork is in order before closing. 

In the afternoon, real estate agents in Alabama may spend time wrapping up any loose ends from ongoing transactions and addressing any outstanding issues or concerns. This is also a great time to plan for the upcoming weekend and week, schedule appointments, and prepare marketing materials for new listings. Before finishing out the day, take some time to prepare for any weekend showings.

Real Estate Open House

RealtySouth: Your Alabama Real Estate Experts

A week in the life of a real estate agent in Alabama involves a delicate balance of administrative work, client management, and professional development. From marketing properties, attending industry events, following up with clients, and finalizing deals, real estate agents in Alabama must be skilled multitaskers and effective communicators.

In this fast-paced industry, real estate agents must also be adaptable and able to pivot quickly in response to changing market conditions and client needs. Despite the challenges, however, real estate agents in Alabama play a vital role in helping individuals and families find their dream homes and investment properties, impacting their communities and the lives of those they serve.

We know that this can be a scary leap. RealtySouth offers all the resources you need to get started and grow. To get started in your real estate career, check out all of our Alabama Real Estate resources. We also offer continued education for all experienced agents in Alabama. 

Difference Between a Realtor and a Broker  

What is the difference between a Realtor and a Broker?

The difference between realtors, real estate agents, and brokers can be confusing if you are just starting to look at buying or selling a home. Here is a quick guide to what each distinction means.

What is the difference between a Realtor and a Broker?  

Both real estate agents and brokers specialize in helping people find homes to sell, buy, or rent. Both have to be licensed in their state to work. However, real estate brokers have additional training and take another licensing exam. They may work independently and often work as supervisors to agents. Agents work on behalf of a brokerage.

Agents and brokers can be National Association of Realtors (NAR) members. This allows them to be Realtors since they swear to follow the Realtor’s Code of Ethics. Many join this association to show that they promise to operate under a special code of ethics to give credibility to their agency.  

Types of Real Estate Agents

If you are buying a home, you will have a buyer’s agent. they represent all of the buyer’s interests and ensure the buyer gets the best deal for the house possible. They schedule tours for the buyer, make offers, negotiate contracts, and make referrals to mortgage lenders and home inspectors.

If you sell a home, you will have a seller’s agent (sometimes referred to as a listing agent). Listing agents represent the seller’s best interests. They list the property at a specific price, find buyers, schedule tours, and negotiate the contract for the seller.

In some cases, an agent could represent both the buyer and seller.

Types of Brokers

After an agent has a few years of experience, they can begin to train as a broker. Since they run a business and oversee agents, they must learn about insurance, taxes, legal and ethical issues, and business management. Once officially a broker, they can work without another broker as a supervisor and start their brokerages. A few different types of brokers can work at a brokerage.

  1. Associate brokers can work without supervision from another broker and can receive a larger commission than an agent. They can chase leads on potential clients and often assist in administrative tasks.
  2. Managing brokers may help clients directly but often work as supervisors at the brokerage.
  3. Principal Brokers, or designated brokers, are the top managers at the brokerage who supervise the real estate agents. They hold a brokerage’s state license and often make a salary instead of a commission.

Choose RealtySouth, Alabama’s Real Estate Expert

Whether you choose an agent or a broker, RealtySouth has an option for you. Our experts will help you navigate the buying, selling, and renting process so that it is as pain-free as possible, and contact them with any questions about the process. Our offices are located all across Alabama, so regardless of the market you are searching in, we have the agents to help you. 

How To Become A Real Estate Agent in Alabama

How To Become A Real Estate Agent in Alabama

Obtaining a real estate license can seem like an immense task, but it doesn’t have to be. There are many reasons why you might want to become a real estate agent in Alabama. Perhaps you’re interested in helping people find their perfect home, or you want to invest in the property yourself. Keep reading to learn what you need to do to become a real estate agent in Alabama.

How To Become A Real Estate Agent in Alabama

There are several steps to becoming a licensed real estate agent in Alabama. But first, you should determine what kind of license you will need. In Alabama, you can obtain a salesperson, broker, or reciprocal license. 


A salesperson license is suitable for someone just starting out in real estate. A broker license is for someone who has held a salesperson license for at least 24 months. And a reciprocal license is for real estate agents who might be licensed in another state but would like to be licensed in Alabama as well. 

Salesperson License

Before applying for an Alabama real estate agent license, there are some criteria you must meet. 

  • You must be a U.S. citizen
  • You should be 19 years old or older
  • You must show proof of U.S. residency
  • You should have a high school diploma or GED
  • You must not have a criminal record
  • You haven’t had a real estate license or application denied or revoked in Alabama or any state in the last two years

If you meet all of the above criteria, you can begin the process of applying for a real estate agent salesperson license in Alabama. The first step is to complete a minimum 60-hour pre-licensing course, which many institutions offer online

After you complete these classes, you will have six months to sit for and pass the licensing exam. If you cannot take the exam within six months of taking the course, you’ll have to retake the course to be eligible to sit for the exam. The exam contains 140 questions: 40 pertaining to state laws and 100 on generic real estate law and practice. You must have a score of 70 percent or higher to pass. 

Once you have passed the licensure exam, you are required by Alabama law to find a real estate broker to work under. You might want to “shop around” a little before settling on a broker to ensure the broker and their company will be the right fit for you. 

The next step is to submit your application, including your exam score, proof of course completion, and contact information, to the State Real Estate Commission. Once you have received your license, you will need to complete continuing education (CE) credits to keep your license active. Alabama real estate agents must complete 15 CE hours every two years, including three hours of risk-management courses. 

Broker License

If you wish to get a real estate broker license in Alabama, you must not hold a real estate license in any state other than Alabama, but you should have held an active salesperson license in Alabama for 24 months out of the previous three years prior to obtaining a broker license. 

You must also meet all the pre-licensing requirements for a salesperson license listed above, including the residency, age, and education requirements. Completion of a pre-licensing course is also required. 

Reciprocal License

If you hold an active real estate license in a state other than Alabama, you may be able to obtain a reciprocal license so that you can practice real estate in the state. To do this, you must complete a six-hour course on Alabama real estate law and take the portion of the licensing exam that concerns Alabama real estate law. 

Additionally, you must submit your license application and certified proof of licensure in another state. 

Become A Real Estate Agent With RealtySouth

Whether you are making a career change or just beginning your career journey as a real estate agent, it’s a huge deal. RealtySouth is here to help you become a successful real estate agent in Alabama, from pre-licensing courses to prepping for the license exam to continued education courses. Call us today at 877-890-0050, or contact us online! 

Questions To Ask A Real Estate Agent When Buying A Home 

Questions To Ask A Real Estate Agent When Buying A Home 

Buying a home can be a long and convoluted process. You have many questions on your mind, and some questions you may have not even known you had until it’s too late. To get you started, we’ve compiled a list of the top questions to ask your real estate agent when buying a home. 

Questions To Ask A Real Estate Agent When Buying A Home 

Once you’ve found the perfect RealtySouth agent for you, the process will begin. Do you still need an agent? Start your search with RealtySouth and get matched with a qualified agent. 

You’ll need to get preapproved and communicate with your agent what you are looking for in a home. This way, they can help keep you within your budget and know what to look for. They’ll provide you with a selection of houses so that you can finally find your next home. 

Is this home priced appropriately?

Before you make an offer, ask your agent if the home you are interested in is priced well. They can compare similar homes (often referred to as real estate comps) to see if they are over or underpriced at the fair market value (FMV). This is based on the price a potential buyer would be willing to pay for the home.

Along with this, your agent will be able to inform you of any potential issues. Their professional perspective will allow them to show you that while the home may be priced a certain way, some problems may make the price less reasonable. 

What and how much are the monthly costs? 

The cost of a home is more than just a mortgage or upfront cost. Depending on the area, utilities and property taxes may shoot the home out of your budget. Ask your realtor for an estimate of water, sewage, and electricity costs. You will also need to be informed of how to access the utilities and if they need maintenance, such as a septic tank vs municipal water lines. 

How long has this home been for sale? 

The length of time a home has been on the market could be an indication of a few things. A seller willing to negotiate a lower price to get finally get rid of it, or if other potential buyers backed out due to a problem with the house. Talk to your agent to see if they know anything about why this home has been for sale for so long. 

It could also be an indication of the seller’s timeline. If they are looking for a home, they may put off selling the current one until they can finalize the new one. If you are also under a time crunch, this will be important information when it comes to buying the home, as you will have to wait for them to move out. Talk to your agent about your flexibility and your timeline expectations. 

What do you recommend as an offering strategy? 

Since your agent will have inside professional knowledge of the market, they can give you advice based on their experience and current conditions. They will let you know how to create the most appealing offer that flags the seller’s attention. 

What should the purchase and sale agreement include? 

After the seller accepts your offer, you’ll need to have a purchase and sale agreement. This is where you’ll outline any contingencies that allow you to back out of the deal should something go wrong. If you didn’t waive a home inspection while bidding for the home, your agent will work with the listing agent to schedule an inspection. If there are major problems, then you could negotiate the price to account for the cost of repairs or even back out of the deal if the issues are bad enough. Your contingency clauses may also allow you to back out if you have trouble financing or selling your home. Talk to your agent to ensure you’re protected in your contract if something goes wrong. 

What if there is an issue during the inspection or final walk-through? 

Similarly, your agent will know what to do if conditions are not as agreed upon during your final walk-through. This can be on a case-by-case basis, so make sure you have a plan with your agent should something go wrong at the last minute. 

What should I bring to the closing? 

The last step that officially finalizes the purchase of your new home, the closing, is where you’ll sign all the paperwork. You’ll sign the final purchase agreement that allows you to officially buy the home and be given the keys. Your agent will schedule this and inform you of what the process will look like and what you need to bring. 

Looking for a new home? 

If you are looking to buy a home in Alabama, then RealtySouth has you covered. We have experienced agents throughout Alabama that would love to help you find your new home. Find your local RealtySouth office and speak to an agent today about taking your next steps. 

Loan Programs And Types From Prosperity Mortgage

Loan Programs And Types From Prosperity Mortgage

If you’re considering purchasing a home, congratulations! Homeownership is a huge step in building your investment portfolio. Before you start packing boxes and going to open houses, you’ll need to get pre-approved for a loan to see what price point you’ll want to stay within. There’s nothing worse than finding your dream home and not being able to secure a mortgage loan. Prosperity Mortgage can help identify which loan type is best for you and secure the best rate. 

Loan Programs And Types From Prosperity Mortgage

Several types of loans are designed to meet all kinds of needs. Here is a list of the most popular types of loans: 

  • USDA Loans are available for eligible rural homes and homebuyers. This government program is designed to assist low-to-moderate-income rural homebuyers in purchasing homes. The most popular feature is no minimum payment requirement. You may also finance closing costs and fees. 
  • VA Loans: VA loans are available for veterans, servicemen, and women in the U.S. Like USDA loans, VA loans do not require a down payment as long as the purchase price doesn’t exceed the appraised value. There is no monthly mortgage insurance cost or a penalty for paying off your mortgage early. Closing costs are also limited with a VA loan.
  • FHA Loans: FHA loans are insured by the U.S. Department of Housing and Urban Development. They are designed to make housing more affordable, especially for first-time homebuyers. FHA loans typically allow borrowers to buy with a lower down payment than a conventional loan. Current loan limits depend on the type of home and its location. 
  • Conventional Loans: Both adjustable-rate and fixed-rate mortgages are available in traditional loans. Fixed-rate mortgage locks in the interest rate, so monthly payments don’t change. This can allow you to better budget your monthly expenses and can protect you from rising interest rates. An adjustable-rate mortgage, or ARM, has an interest rate that is adjusted periodically based on changes of overall interest rates. There is a cap on how high the rate can rise, but when it does, your monthly P&I (principal and interest) payments do too. 

Unique Loans When Buying a Home

Prosperity Mortgage offers several unique platforms to help navigate through the process of closing your loan on your dream home: 

  • Rapid Close: Rapid Close allows borrowers to sign most of their closing documents ahead of time from their personal computers or smartphone. 
  • Uplift: Our Uplift program ensures all FHA and VA borrowers receive low rates and fees. This means less out of your pocket now and in the future on monthly payments. 

Loan Options for First-Time Home Buyers 

First-time home buyers may be eligible for unique programs that can save money or require less money up front: Qualified first-time home buyers may qualify for conventional loans with as little as 3% down or 3.5% down with an FHA Loan. If you’re a first-time homebuyer, give the professionals at Prosperity Mortgage a call to discuss your options. Homeownership may be more attainable than you think. 

Prosperity Mortgage: Mortgages Made Easy

Buying a home is a considerable investment. You want to protect your assets and ensure you get the best rate and lowest monthly payment possible. That’s where Prosperity Mortgage comes in. Our team has years of experience and stays up-to-date with all the latest news, ensuring you have the best information to make your decision. When you’re ready to explore your options, contact us online. We’re standing by, ready to help!

Pros And Cons Of Buying A Home Warranty

Pros And Cons Of Buying A Home Warranty

If you’re a homeowner or plan to become one, chances are you’re familiar with the idea of a home warranty. As the name suggests, this type of warranty plan can cover the repair or replacement of major home systems and appliances, such as your A/C system or refrigerator, and thus protect you from incurring major costs. These warranties are typically limited to cover items within the scope of normal wear and tear, and like all warranties, some exclusions apply. Keep reading to learn more about the pros and cons of a home warranty and determine if it’s the right choice for you.

Pros of a Home Warranty 

  • Peace of Mind – For some homeowners, the ability to sit back and not worry about having to tackle any repairs themselves is priceless. If something breaks, they can rest easy knowing that a professional will come out and fix it – problem solved. This can be especially attractive for those who might not be very handy around the house or new homeowners who aren’t as familiar with home systems. 
  • Convenience – With a home warranty, there is just one party to call. You can contact your warranty company. They will streamline the process and send someone to care for your situation.
  • Transferability – More of a long-term benefit, the transferability of some home warranties is an appealing benefit to consider for the potential sale of your home. If you’re in a position to sell your home, you can transfer the warranty to the new owner – making your property potentially more attractive to buyers. Take note, however, that not all policies allow for transfers, so make sure to double-check your plan.

Cons of a Home Warranty 

  • Limited Coverage – As with all insurance plans, ensure you research before purchasing a home warranty, as not all repairs are covered. While standard features are protected under most home warranties, other items may fall outside the bounds of coverage. For instance, if you have a swimming pool that isn’t covered under your home warranty, you will still have to shell out extra money for pool repairs.
  • Denied Claims – The home warranty provider could deny a warranty claim if you did not properly maintain the home feature. This can be a bit of a gamble; for instance, if you purchase a home with a 10-year-old A/C unit that the previous owner didn’t properly service, the warranty may not help if the A/C goes out.
  • Upfront fees – For some, another drawback is that each year, money for the warranty is paid upfront under the assumption that repairs will be needed. However, that may only sometimes be the case. Some years you’ll need repairs, and some years you likely won’t, making it seem like wasted dollars.

Is A Home Warranty Right For You? 

If the added protection of a home warranty is something you’re interested in, look no further than the industry leader, American Home Shield (AHS). 

RealtySouth is proud to partner with AHS and will help you through all steps of the home buying, or selling, process. Let our team of experienced professionals help with all of your Alabama Real Estate questions, and feel confident in the level of financial protection offered by our preferred Alabama home warranty partner.

Homeowner’s Guide To The New Year

Homeowner’s Guide To The New Year

When thinking about what the New Year brings, usually, the first thing that comes to mind is “New Year, New Me.” But for homeowners, you should consider the new year a time to renew and refresh your home. January is a month for new beginnings, so it’s a good idea to take advantage of this time and refresh and rejuvenate your home. 

Homeowner’s Guide To The New Year

When thinking about goals you’d like for the new year, consider what goals you have for your home. Following the holiday season is the perfect time to decompress from the business of the holidays, get a jump start on spring cleaning, and set some realistic goals for the year ahead.

Clearing the Holiday Clutter

Starting with Halloween, it seems our days are going by at supersonic speeds. Preparing for a house full of people at Thanksgiving turns into the chaos of buying and wrapping Christmas gifts, checking the list twice, preparing a feast for a King, and then on to New Year’s Eve celebrations. It’s easy for your home to feel like the clutter is taking over quickly. Take a few days to clean out cabinets and drawers; set a goal of one room per week. You can even get a start on that year’s tax deductions by donating some items to charity.

Get Ahead of Spring Cleaning

Why wait until March or April? January is typically pretty cold, so spend that additional time indoors by getting a jump start on spring cleaning. Also, with peak times for cold and flu infections, you’ll want to disinfect regularly. Deep cleaning guides, like this one from GoCleanCo, can arm you with the correct tools to actually clean your space instead of just pushing around dirt, germs, and dust. Get the whole family involved and assign each person a task, area, room, or job. Make it fun by setting timers and seeing who can finish their chore the fastest.

Setting Realistic Goals for the Year Ahead

We’ve heard it all with New Year’s resolutions. But this year, follow some of these tips to set yourself up for long-term success: 

  • Create a maintenance calendar or schedule. This can help avoid surprise repair fees that can really put a damper on your finances. Keep your budget in mind when planning this calendar and space them out to prevent a heavy hit all at once.
  • Set a goal to fix minor maintenance problems quickly. Give yourself ten days from when you first notice something like a leaky faucet or clogged gutters to have it fixed. It will also help avoid costly repairs from something small turning into a more significant problem. 
  • Think about reducing your energy costs. Everyone wants to reduce what they are spending. While shrinking your carbon footprint may seem like a tall task, reducing your energy usage doesn’t necessarily mean switching to an electric car or adding solar panels. Simple changes like changing to a programmable thermostat, installing LED light bulbs, and using power strips can really change your home’s energy usage- and bottom line.

The Experts at RealtySouth are only a Call Away

Once you have cleared the clutter and deep cleaned, you may realize you have different needs than your current home can provide. That’s where the experts at RealtySouth come in. Our knowledgeable team knows the current market and can help get your existing home ready for a top-dollar sale and help you find a new one that meets your needs. 
Contact us to find an agent, view Alabama homes for sale, or estimate your home value. We are standing by and ready to help!

Homeowners Insurance: What It Is and Why You Need It

There are so many types of insurance out there right now, and it can become overwhelming. Their purpose is a just-in-case scenario. We all try to do what we can to stay prepared and prevent things; however, as much as we would like to, we can’t control or predict everything.

Homeowners Insurance: What It Is and Why You Need It

Sometimes unexpected things happen. It’s nice to know that there is something to cover our expenses in those unexpected scenarios. Learn what homeowners insurance is and why you need it with RealtySouth. 

What Is Homeowners Insurance

A home is one of the largest investments you will make in your lifetime. It is essential to protect your home. Homeowners insurance is one of the most important ways to protect your home. It may sound silly to add another cost on top of the already expensive expenses that come with becoming a homeowner; however, it is worth it. What is homeowner insurance? 

  • Fire 
  • Burglary
  • Vandalism
  • Lightning 
  • Hail
  • Damage to Trees 
  • Windstorm
  • Explosion

Types Of Homeowners Insurance Policies

The unexpected does happen. However, standard homeowners insurance does not cover damage from natural disasters like earthquakes or floods. You can have these things added on to have coverage all around. Some areas near water or low-lying lands may even require flood insurance. These homeowners insurance policies are often nicknamed hazard insurance for this very reason. Getting the most protection is key to getting the best value out of your homeowners’ insurance. 

Determining What You Need

When purchasing a home, there are many costs; however, homeowners insurance is a cost well worth it. As with many different types of insurance, you should always do your own research when it comes to cost and find the right provider with the right plan for you. Most homeowners pay their insurance through an escrow account as part of their monthly mortgage. The homeowner makes payments to the lender, and the lender holds the insurance payment amount. When the insurance bill is due, the lender then pays it from the account. The lenders typically require homeowners insurance because the goal is to protect the property they have issued a loan to. If a minimum amount of coverage isn’t given or if you want more than the minimum, consider these questions to ask your homeowners’ insurance agent:

  • How much will rebuilding and replacing belongings cost if the home is damaged or destroyed? 
  • What is the homeowners insurance company’s reputation?
  • Is the company known for paying claims promptly and fairly?
  • Are there discounts available?
  • What is the process of filing a claim and settling? 

Protecting Your RealtySouth Home

It is essential to know that homeowners insurance is intended to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered, and be sure to read your policy so you know exactly what is included and what is not.

Homeowners Insurance aims to save you money in the long run if and when the unexpected happens. So if you are in the process of purchasing a home or even thinking about it soon, RealtySouth and InsuranceSouth can get you into your dream home with peace of mind. Search our new listings online and contact our expert real estate agents to get started today.   

A Guide to Closing Costs


When purchasing a home, closing costs are something to keep in mind. As a buzzword in real estate, closing costs are fees paid before you can officially take ownership of a property. These fees are separate from your down payment.

It is important to understand closing costs and what is needed in order to take ownership of a property in Alabama. 

How Much Are Closing Costs

The amount of money varies depending on the loan approved by your mortgage lender. The national average is between 2% and 5% of a mortgage, and you can expect the dollar amount to be in the thousands.

Let’s crunch some numbers for an example…

  • Purchase Price: $300,000
  • Closing Cost: Between $6,000 and $15,000

Your mortgage loan officer should discuss acceptable ways to cover this cost. A high point — in Alabama, who covers what components of closing costs is determined by the buyer and seller. The cost can even be split equally. 

What Do Closing Costs Cover

Closing costs cover a wide range of services that go into the sale and subsequent purchase of a home in Alabama. These services may include:

  • Title Search
  • Home Inspection
  • Property Fees
  • Mortgage Insurance

Closing costs can cover other items, too. The majority of the dollar amount will go towards what is called loan origination fees. This goes directly to your lender for underwriting and preparing your loan.

Title Search And Insurance

A portion of closing costs goes to the title and escrow company. RealtySouth is lucky to work with the experts at CanopyTitle located in Alabama. CanopyTitle is dedicated to providing the best mortgage title and closing service. 

CanopyTitle will perform a title search on a property. This is required to prove that you will own the property outright. This search looks for any open liens or lawsuits over a property. Another service you will want to look into is title insurance with CanopyTitle. This ensures that you are protected in the future if the search misses something.

Homeowner’s Insurance

Most lenders in Alabama will require a buyer to purchase a homeowner’s insurance policy prior to closing on a home. You will want to prepare to have six months to a year paid in full. Homeowner’s insurance is a separate fee and can’t be grouped into your home financing. Typically, this is paid in cash at the time of closing. 

Homeowner’s insurance covers things like damage from fire, storm damage, theft, and more. 

Home Inspection And Appraisal

A lender will require a home buyer to get a home inspection and appraisal. This is to prove that the home and property are sound and your loan is in the appropriate amount for the home’s value.

These two services can ultimately make or break a closing. Often, purchases will be under a home inspection and appraisal contingency. 

Managing Closing Costs

Luckily, home buyers and sellers do not have to try to keep up with all of the services and fees that will go into closing costs in Alabama. 

A title and escrow company helps to manage the closing costs and holds the money in a third-party escrow account. The title and escrow company is a neutral party between the buyer and seller. 

Working With CanopyTitle

CanopyTitle is a full-service real estate and settlement provider that coordinates and schedules closings. They also offer title examinations and title insurance to help keep everything under one roof (pun intended). 

RealtySouth partners with CanopyTitle to provide the best real estate services in Alabama. Contact our experts today to learn more about Alabama homes for sale or to get started on selling your Alabama home.

Head To The Closing Table With RealtySouth

Whether you are purchasing or selling a home in Alabama, RealtySouth is ready and waiting to help through the process. View our homes for sale, get pre-approved for a home loan, and even estimate your home’s value. Our Alabama real estate experts can guide you every step of the way to get you to the closing table.