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CreditGuard of America

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CreditGuard of America

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12 years of experience

AMERICA’S MOST TRUSTED SOURCE FOR DEBT AND CREDIT SOLUTIONS. CreditGuard of America, Inc. is an independent, nonprofit credit counseling agency that is committed to providing innovative solutions for simple to complicated debt and credit issues. CreditGuard provides credit counseling and debt management along with free financial education to consumers throughout the United States, using state-of-the-art technology and superior customer service.

AMERICA’S MOST TRUSTED SOURCE FOR DEBT AND CREDIT SOLUTIONS. CreditGuard of America, Inc. is an independent, nonprofit credit counseling agency that is committed to providing innovative solutions for simple to complicated debt and credit issues. CreditGuard provides credit counseling and debt management along with free financial education to consumers throughout the United States, using state-of-the-art technology and superior customer service.

Lee McKibben- Life On The Lake Realty

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Lee McKibben- Life On The Lake Realty

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Free onsite estimate

I help people buy and sell real estate on Lewis Smith Lake in Alabama, specializing in Smith Lake homes and lots, covering Smith Lake in its entirety. Contact me with any questions or concerns that you might have about the area or the lake itself. I am very knowledgeable about Smith Lake and cannot wait to share this pristine environment with you.

I help people buy and sell real estate on Lewis Smith Lake in Alabama, specializing in Smith Lake homes and lots, covering Smith Lake in its entirety. Contact me with any questions or concerns that you might have about the area or the lake itself. I am very knowledgeable about Smith Lake and cannot wait to share this pristine environment with you.

The Joey Crews Team - Keller Williams Realty Group

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The Joey Crews Team - Keller Williams Realty Group

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Free onsite estimate

Joey Crews was born and raised in Weaver, AL. He graduated from Weaver High School and furthered his education at Jacksonville State University with a degree in Fine Art. Joey began his real estate career in 2002, and he earned Rookie of the Year in 2003. Joey has been helping the community with their real estate needs ever since, and his business has grown to include four Buyer Specialists, one Listing Specialist, a licensed Listing Coordinator and two full time Administrative Assistants on his team. Joey has a strong background in retail, marketing and graphic design - which combine well - making him an effective real estate agent and team leader.

Joey Crews was born and raised in Weaver, AL. He graduated from Weaver High School and furthered his education at Jacksonville State University with a degree in Fine Art. Joey began his real estate career in 2002, and he earned Rookie of the Year in 2003. Joey has been helping the community with their real estate needs ever since, and his business has grown to include four Buyer Specialists, one Listing Specialist, a licensed Listing Coordinator and two full time Administrative Assistants on his team. Joey has a strong background in retail, marketing and graphic design - which combine well - making him an effective real estate agent and team leader.

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Real Estate Agents questions, answered by experts

Unless the buyer or seller makes the offer or offer acceptance contingent on the appraisal results, the sale will move forward unaffected if the appraisal comes back lower than the offer. This essentially means the buyer is paying more than what the home is worth, but without that contingency, both parties are locked into the deal. Some buyers may try to negotiate the purchase price down to the appraisal value, but this may not be possible if there wasn’t an appraisal contingency in the offer agreement.

Basement bedrooms can count toward your room count and the square footage of your home on an appraisal if they’re fully legal, which means they have proper ventilation and points of egress, as defined by your local building code. Simply partitioning off a space for a bedroom in an otherwise unfinished basement that isn’t a legal living space won’t affect your appraisal value.

Adding a deck to your home will increase its overall value. Per Remodeling magazine's 2023 Cost vs. Value Report, building a deck is a top 15 home improvement task. Installing a wooden deck has an average return on investment (ROI) of 52%, while building a composite deck offers almost 40% ROI. The amount of value a deck adds to your home depends on deck size, type, material, age, and how well you maintain it.

In most cases, selling a home in as-is condition will lead to a sale price that’s somewhere between 10% and 30% lower than normal. However, it’s often worthwhile to sell at a loss because the alternative would be to pay for the repairs yourself, which could end up costing you more. Even if they didn’t, selling as-is saves you from the time and energy you’d spend coordinating the repairs.

The short answer is yes. Room additions almost always increase a home's value. But just how much they increase it varies by the materials you choose, the type of room you build, and other factors. For instance, adding a sunroom will yield you a 49% return on your investment, while adding a primary suite results in a 63% return on your investment.

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