Home Investors Guide - Mega Agent Real Estate Team - Birmingham Alabama

7/29/2019 Home Investors Guide - Mega Agent Real Estate Team - Birmingham Alabama

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What is an Investment Property?

Double The Profit Potential

Little Or No Money Down

Primarily, an investment property is one purchased strictly for

the purpose of generating income. Its neither your currentprimary residence nor a vacation home used only by yourfamily. An investment property is usually purchased with theintention of either renting it out or renovating it to resell ata profit. There are also some variations on that theme.For instance, when a family relocates or decides todownsize, a primary residence can become aninvestment property if it doesnt need to be sold.Another investor may buy a multifamily property,choosing to live in one part while renting out the other.Other owners may choose to use their investmentproperties once in a while, or part of the year for

vacation purposes. Here are some of the benefits:

An investment property offers two opportunities for financial gain: rent that canprovide ongoing income, and appreciation that can result in a sizable profit whenthe property is sold. There may also be tax advantages available, depending onyour financial profile. (Your tax professional can advise you about that.) And it seemsthat investment properties are a smart place to put your money, outperforming even

the stock market.

Unlike the stock market, you can enter the world of property investment with aRELATIVELYSMALLAMOUNTOFOUTOFPOCKETMONEY!MONGYOURlNANCINGOPTIONSYOULLfind loans requiring relatively little money down. There are even options that let youuse the equity from your current home to purchase your investment property. That

leaves your liquid cash assets available for other investment opportunities.



Things to Consider Before Investing

Does An Investment Property Fit Your Financial Plan?)NVESTINGINREALESTATECANBEAPOWERFULWEALTHBUILDINGTOOL)TCANALSOBEABURDENthat drains away assets and monopolizes your time and effort. Its critical to be incontrol of your finances, have an overall plan, and believe that an investment propertyis the right strategy for you. Talk to a real estate attorney and accountant about yourparticular situation and goals. Cultivate your relationships with these advisors. Theyllserve you well throughout your investing career. Here are some questions to ask yourselfto help you start clarifying your goals:

What other investments do I currently have or hope to acquire in the future?

Whats the status of my retirement savings?

Will liquidity be an issue for me?

7ILL)BEABLETOHANDLELONGTerm ownership even with an unpredictable cashflow?

Do I expect my investment property to provide me with income when I retire?

$O)EXPECTTHEPROPERTYTOPROVIDEIMMEDIATEINCOMEORLONGTERMappreciation?

Do You Want To Be A Landlord?Once youve determined that aninvestment home fits your financial goals,its time to decide whether or not yourewilling to deal with the responsibilities ofBEINGALANDLORD4HEREMAYBEAMphone calls to answer, late rents to collect,unsatisfactory tenants to evict, repairs andmaintenance to attend to, paperwork tobe updated, income and/or deductionsto be claimed, taxes to be paid, andvarious new laws to obey. Its a major

commitment, but keep in mind that youcan always hire professionals to take careOFMANYDAYTODAYRESPONSIBILITIES4HERELLbe more about property managers laterin this guide.

7HETHERYOUDECIDETOBEAHANDSONORAHANDSOFFLANDLORDBESUREYOUunderstand that this is a business ventureand that you need to be well informed

at every stage. A good way to gain aninsiders perspective is by joining localinvestor groups, which have regularmeetings featuring advice from attorneys,

accountants, repair specialists and otherrelated experts. In addition to keepingupdated on landlord/tenant matters, youcan speak to other investment propertyowners and get copies of your stateslease/rental agreements and otherpapers. Real estate trade journals andmanagement magazines can also be agreat resource for you.


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Beginning Your Search

You know exactly how much you can afford to spend on yourinvestment property.

You wont waste time looking at properties that are out ofyour price range.

4HERESNONERVEWRACKINGWAITINGTOSEEIFYOULLQUALIFYTO purchase the property you want.

!PREAPPROVEDBUYERISASURETHINGSOSELLERSWILLUSUALLY accept your offer first even if others offer a slightly higher price.

Once you select an investment property, your loan approvalprocess will be expedited and simple.

!WRITTENPREAPPROVALLETTEROFTENMAKESYOUAPRIORITYINTHEEYESOFREALESTATEAGENTSand sellers. That means you can expect preferential treatment and attention becauseTHERESNOCONCERNTHATYOURlNANCINGWILLFALLAPART0REAPPROVALHASOTHERBENElTSASwell:

Shop Like An Investor

Youre buying a property for one reason: to makemoney. Keep that goal in mind and give yourself everyadvantage. Establish your price range, target the areas

where youd like to buy, then begin your search. Youshould also take these helpful guidelines into account:

Avoid areas where prices are at peak. Instead try to find a property in an UPANDCOMINGAREAWHEREPRICESAREMORELIKELYTOCLIMB

Choose a desirable location that has activities nearby (recreation, culture, nightlife,shopping, etc.). Consider why you might like to live there yourself from a rental andresale perspective.

Consider whether the property is in an area that will draw tenants. Is it near localbusinesses or universities that attract a renter population to the area?

Think about the local schools. Proximity to good schools is an important feature for TENANTSWITHCHILDREN)TWILLALSOCONTRIBUTETOYOURHOMESLONGTERMVALUE

,OOKFORSIMPLELOWMAINTENANCEHOMESWITHMASSMARKETAPPEAL

Concentrate on purchase price, rental income, and potential profit. You wont beliving in the home, so its not necessary for you to love the layout or the carpet color.



Beginning Your Search

Considering Condos

4HESEARESOMEOFTHEFASTESTGROWINGINVESTMENTVEHICLESONTHEMARKETTODAYANDTHEeasiest to get into. The financing of these properties can be arranged so that the rentalincome covers the monthly loan payments and maintenance fees. In a condo, you ownan undivided interest in the actual physical structure and common areas plus you ownthe space within your unit. Condos are governed by a board of directors thats electedby the owners. As an investor, youll benefit from the regular maintenance that keepsyour property running smoothly.

But youll need to do your homework to ensure that its a solid investment:

Renovate quickly and simply. Get the property ready to market as soon as possible.Consider using professionals to speed up the process.

Look into distressed properties that have been returned to lenders (banks andmortgage companies)after foreclosures. Also, if you have patience, short sales areexcellent opportunities to find an incredible deal.

7ORKBYWORDOFMOUTH7HENYOUREVISITINGAPOTENTIALINVESTMENTCOMMUNITYlet people know that youre in the market for a property and what kind of propertyyoure looking for.

#HECKTHECOUNTYTAXASSESSORSOFlCEFOROUTOFSTATEOWNERSWHOMIGHTBE interested in selling.

Ask residents of targeted neighborhoods for any leads they may have.

Check the economic health of the homeowners association by obtaining a copyof recent annual reports.

Review maintenance records for the building or complex to ensure upkeep hasbeen regularly performed. Engineers reports may also be available for recentlyconverted facilities.

Hire an appraiser to give you a report on your specific unit as well as the grounds in

general. Consider the price carefully by asking about comps and recent sales.

Verify that renting your unit is allowed under the homeowners association rules.

Check the vacancy rates in the complex to help judge renter interest in thecommunity. Other legal constraints may affect the length of each tenantsresidency and whether pets are allowed. Know what your limitations are beforeyou buy.


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Purchasing Your Property

Applying For Your Loan

Securing The Right Financing Why Its So Important

Your lender is a valuable part of your investment team. Home mortgage consultantsshould be trained to interview you in a way that gets them a clear understandingof your goals, so they can make recommendations that help you further yourWEALTHBUILDINGPOTENTIAL7ORKINGTOGETHERTHEYCANHELPYOUEXPLOREYOUROPTIONSand tailor solutions to meet your individual investment criteria.

You can fund your investment in a number of ways, so its important to understand all ofyour options and select the one that best suits your budget needs and financial goals.Walk through every option with your lender in detail. Learn how each one fits, or doesnt

fit, into your overall financial picture. Here are just a few of the solutions your homemortgage consultant can help you consider:

Home Equity Financingleverages the equity youve established in your primary RESIDENCETOPURCHASEANINVESTMENTPROPERTY9OUMAYBORROWUPTOOF

your current homes unused equity. Like getting a new mortgage, home equityfinancing may be tax deductible.

Renovation Financing is specially designed to provide a single loan that covers both the PURCHASEPRICEOFALESSTHANPERFECTPROPERTYANDTHECOSTSOFRENOVATINGIT

The loan amount is based on the estimated increased value of your propertyafter your planned improvements are made. That means you can start enjoying

the dividends from your investment property right away.

Low Down Payment Options make a home more affordable right now. They allow youto purchase a property with relatively little cash out of pocket so that you canbegin reaping the rewards of your investment quicker.

Preparing For Closing

4HISSIMPLEFOURSTEPWALKTHROUGHTOLOANCLOSINGWILLHELPYOUUNDERSTANDTHE procedure and give you an idea of what you can expect.

As discussed earlier in the guide, your lender will find a professional appraiser todetermine the value of the home you want to purchase. The appraisal will providean estimate of the homes value by comparing it to others that have recently soldin the area. Lenders generally require an appraisal to ensure that the propertybacking the loan will cover the loan amount, in case of default.

APPRAISAL1



A professional home inspection is recommended for every homebuyer. In somecases, a home inspection may be required by your lender as part of the financingapproval process. At minimum, the inspection should cover all the homes majorsystems and structural elements, including the foundation, electrical system,heating and cooling systems, insulation, roofing, plumbing, and all exterior features.

There are two types of title insurance: one protects the lender and one protectsthe borrower from claims against your ownership. Such claims may be made

by undisclosed spouses, heirs of previous owners, creditors holding liens againstprevious owners, or other parties. Your lender will most likely require you to purchasea title policy, which will cover their interest in the property. Its up to you if you wouldlike to purchase a policy to protect your interest in the home. Your home mortgageconsultant and real estate agent will be able to recommend a title insurancecompany who can provide you with additional information about the policiescurrently available.

Did you know that most mortgage lenders, at closing, require proof that youvepurchased homeowners insurance?

In the event of a loss such as a fire, tornado, or burglary, homeowners insurancecan pay for damages to the home as well as for costs to repair or replacecontents. If the home is damaged and becomes uninhabitable, homeownersinsurance can cover additional living expenses for a period of time while yourhome is being repaired. Homeowners insurance can also protect you from lossif someone is injured or their personal belongings are damaged while on yourproperty. Additionally, the insurance may cover you for lost rents incurred if thehome is temporarily uninhabitable due to an insurable event.

2 HOME INSPECTION

3 TITLE INSURANCE

4 HOMEOWNERS INSURANCE

Purchasing Your Property

ClosingAt your closing, youll go through all the final steps of securingyour new loan and purchasing your new property. The mostimportant thing to know is that all closing costs must be paidin full at this time. Make sure you work closely with the closingattorney and home mortgage consultant to find out exactlyhow much youll have to pay at closing. Well work closely withYOUTOMAKESURENOLASTSECONDSURPRISESDELAYYOURCLOSING


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Maintaining Your Investment Property

The Property Manager OptionIf youre an absentee landlord or just too busy to handle maintenance a propertyMANAGERMAYBETHEPERFECTSOLUTION4HISTHIRDPARTYMANAGERRUNSTHEPLACEDOESTHEBOOKKEEPINGSCOUTSOUTTHEBESTREPAIRCONTRACTORSANDTAKESTHOSEA m. phone calls.In addition, the manager collects monthly rents and even leases the property for you.While they remove all the burdens from your shoulders, they come at a price. You can

EXPECTTOPAYAROUNDOFYOURGROSSINCOMEANDEVENMOREIFADDITIONALSERVICESAREPERFORMED#ONSIDERINGTHATITMAKESYOURINVESTMENTVIRTUALLYSTRESSFREETHATMAYbe a bargain. Before you decide, consider the costs, your work schedule, and yourtolerance level. If you decide to go with a property manager, make sure your contractlays out the managers duties in great detail.

Keep Your Investment In ShapeAs a landlord, youre required by Alabama'scomprehensive landlord and tenant law to keep theproperty in livable condition. This includes keepinglocks on the doors and windows, a roof that doesntleak, plus a heating and cooling system thats in goodworking order.

You will also no doubt want to protect your investment by keeping the property inshape. That means youll need to find dependable repair contractors you can trust

to get the property ready for your first renters quickly, respond to tenant needs, andget the place ready for market again whenever tenants move out. Every day yourhome is vacant, youre losing money.

If youve purchased a condo, regular maintenance is taken care of through yourassociation fees. If you own a home and if youre farther than a short drive fromITYOUMAYNOTBEABLETOHANDLETHEGUTTERCLEANINGPAINTTOUCHUPORTHATpesky leaky faucet on your own. You may want to make an arrangement with agood handyman or maintenance service. Your real estate agent should be able torecommend one. Another option: Home Warranty of America atwww.hwahomewarranty.com. An annual fee covers the repair of your majorappliances and systems for a year, so you wont have to spend your preciousvacation time fixing refrigerators or replacing furnace burners.



Investment Home ChecklistPrint out a few copies of this checklist to use as you visit prospective homes.Having a record of what each home offers can make your final decision much easier.

Style of Home

Two Story Ranch

Split Level Traditional

Contemporary

Townhouse

Condo

Type of Construction

Wood Brick Stone

Stucco Vinyl Siding

Aluminum Siding

EXTERIOR FEATURES

Roof ______________ Landscape ____________ Fenced ______________ Porch _____________

Paint ______________Trees __________________ Patio________________ Deck ______________

Expansion Ability_____________________________________________________________________

Other_______________________________________________________________________________

INTERIOR FEATURES

+ITCHEN%AT)N????????3IZE????????7ALLS????????&LOOR????????!PPLIANCES??????????

Cabinets ____________ Ceiling ____________ Windows___________ Other ________________

Dining Room Size _____________ Walls ______________ Carpet__________ Ceiling__________

Lighting Fixtures______________________________________________________________________

Other_______________________________________________________________________________

Living Room Size ____________ Walls ____________ Carpet___________ Ceiling____________

Lighting Fixtures_______________Fireplace __________________ Other ____________________

Den Size ____________ Walls _____________ Carpet_______________ Ceiling_______________

Lighting Fixtures_______________Fireplace __________________ Other ____________________

Hallway Walls________ Carpet________ Linen Closet ________ Other ____________________

Date Seen ___________________________________

Address _____________________________________________________Price __________________

Property Taxes_________________________________________ Number Of Units _____________

Seller _________________________________________________ Age of Home ________________

Neighborhood ______________________________________________________________________

Garage

#AR

#AR#AR Detached

Roof Condition

Good

Fair

Poor

Sidewalks

Yes

No

Well-Maintained

Neighborhood

Yes

No



Investment Home Checklist

Recent sales in neighborhood:

Address ______________________________ Size __________ Price __________ Terms ________




Total Bedrooms ________

"EDROOM3IZE??????????7ALLS????????#ARPET??????#EILING??????#LOSET????????

Other ________________________


Other ________________________


Other_______________________________________________________________________________

Total Bathrooms ________

Master Bath Size __________ Walls ____________ Floor ______________ Tub ________________

Fixtures___________________________________Other_____________________________________

Guest Bath Size __________ Walls ________ Floor ________ Tub ____________ Fixtures________

Laundry Room Location______________________ Washer____________Dryer ______________

Other_______________________________________________________________________________

Good Closet Space

Yes

No

Basement

Yes Finished

No

Flooring

Carpet Hardwood Tile

Utilities

Water Heater

Gas

Electric

Insulation

Fiberglass Cellulose

Foam

None

Central Air

Yes No

Plumbing

Condition Good

Fair

Poor

Sump Pump/Drainage

System

Yes

No

Connected toSewer System

Yes

No

Age of Heating System____________ Age/Capacity of Water Heater ___________________

Age of Electrical Wiring______________________________________________________________

Easy Proximity to: Work Schools Shopping Airport Area

Industry Highways Houses of Worship Public Transportation

Doctors/Dentists


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Commission Compensation to a real estate agent for negotiating a real estate

transaction, often expressed as a percentage of the selling price.Commitment Letter A formal offer by a lender stating the terms under which it agreesto loan money to a homebuyer.

Comparable Market Analysis (CMA) A written analysis of houses having similarcharacteristics currently being offered for sale as well as comparable houses sold in thepast six months. This enables you to determine if you are paying market value for a home, andto identify whether market prices are rising or falling.

Contingency A condition that must be met prior to a contract being final.

Conventional Loan A mortgage not obtained under a government insured program(such as FHA or VA).

Credit Report A report detailing an individuals credit history.

Debt-To-Income Ratio A formula lenders use to determine the loan amount for which youMAYQUALIFY!LSOKNOWNASTHEhBACKENDRATIOv'UIDELINESMAYVARYDEPENDINGONTHELOAN

program.

Deed The legal document conveying title to real estate.

Default The failure to perform an obligation as agreed in a contract.

Down Payment Money paid to make up the difference between the purchase price andthe mortgage amount.

Equity The ownership interest; i.e., the difference between the current market value of theproperty and the amount that the owner still owes on the mortgage.

Escrow An item of value, money or documents, deposited with a third party, to be deliveredupon the fulfillment of a condition. For example, the deposit by a borrower with the lender of

funds to pay taxes and insurance premiums when they become due, or the deposit of funds or

documents with an attorney or escrow agent to be disbursed upon the closing of a sale of real

estate.

Eviction A legal process in which the landlord removes a tenant from his rental property.

Fixed-Rate Mortgage A mortgage in which the interest rate and payments remain the samefor the life of the loan.

FICO Score A numerical rating developed and maintained by Fair Isaac and Company thatindicates a borrowers credit worthiness based on a number of criteria.

Float The Rate This term is used when a mortgage applicant chooses not to secure a rate lock,but instead allows the note rate pricing to fluctuate until the applicant decides to lock in, usually

no later than five days prior to closing.

Foreclosure A legal procedure in which property mortgaged as security for a loan is sold topay the defaulting borrowers debt.

Front-End Ration!LSOKNOWNASTHEHOUSINGEXPENSETOINCOMERATIOITCOMPARESYOURproposed monthly house payment (PITI) to your total household gross monthly income.

Glossary



Good Faith Estimate A document which tells borrowers the approximate costs they will pay at

or before settlement, based on common practice in the locality. Under requirements of the RealEstate Settlement Procedures Act (RESPA), the mortgage banker or mortgage broker, if any, must

deliver or mail the GFE to the applicant.

Government Loan A mortgage insured by a government agency, such as FHA, VA, USDAor a state bond program. The loans are generally made by private lenders.

Home Inspection A thorough evaluation and written report of a homes condition both insideand out. The inspection is valuable in locating any problems in a property and helps you

determine the extent of renovation needed. You can use the report to have the seller make

repairs or reduce the purchase price. Always use your own inspector, and do not rely solely on

the sellers inspection reports.

Home Mortgage Consultant The mortgage representative a homebuyer initially consultsabout a mortgage loan. Sometimes called a loan officer, account executive, or sales

representative.

Home Warranty A kind of insurance that covers the cost of repairs to specific appliances andsystems in a home for a specified period of time.

Homeowners Insurance (also called Hazard Insurance) A real estate insurance policyrequired of the buyer protecting the property against loss caused by fire, some natural causes,

vandalism, etc. May also include added coverage such as personal liability and theft away from

the home.

HUD-1 Settlement Statement A standard form used to disclose all costs associated with thepurchase and sale of property at closing.

Index n!PUBLISHEDINTERESTRATESUCHASTHEPRIMERATE,)"/24"ILLRATEORTHETH$ISTRICTCOFI. Lenders use indexes to establish interest rates charged on mortgages or to compare

investment returns. On ARMs, a predetermined margin is added to the index to compute the

interest rate adjustment.

Interest Rate The percentage of an amount of money which is paid for its use for a specifiedtime.

Interim Interest n4HEINTERESTTHATACCRUESONAPERDIEMBASISFROMTHEDAYOFCLOSINGUNTILthe end of the month.

Investment Property Real estate owned with the intent of generating income and notintended for owner occupancy.

Leverage Using credit or borrowed money to increase the rate of return from an investment.&OREXAMPLEBYPURCHASINGAHOMEWITHDOWNYOUAREUSINGJUSTTOCONTROL

the investment.

Lien A legal claim or attachment against property as security for payment of an obligation.Loan Conditions These are terms under which the lender agrees to make the loan. They include

the interest rate, length of loan agreement, and any requirements the borrower must meet

prior to closing.

Glossary



Loan Payment Reserves A requirement of many lenders that, in addition to funds for the

DOWNPAYMENTANDOTHERPURCHASERELATEDCOSTSYOUHAVESAVEDENOUGHMONEYTOCOVERONEor two months of mortgage payments after your closing.

Loan-To-Value (LTV) The ratio between the amount of a given mortgage loan and the lowerof sales price or appraised value.

Margin The set percentage the lender adds to the index rate to determine the interest rateof an ARM.

Mortgage The conveyance of an interest in real property given as security for the paymentof a loan.

Mortgagee The lender on a mortgage transaction.

Mortgage Insurance (MI) See Private Mortgage Insurance (PMI).

Mortgage Processor The mortgage employee responsible for collecting the completedapplication and all supporting documents before the entire loan packet is submitted to

underwriting.

Mortgagor The borrower in a mortgage transaction who pledges property as security for adebt.

Multiple Listing Servicen!COMPUTERBASEDSHAREDLISTINGSERVICEFORREALESTATEAGENTSTHATprovides information on most of the houses for sale in an area.

Nonconforming Loan Conventional home mortgages not eligible for sale and delivery toeither FNMA or FHLMC because of various reasons, including loan amount, loan characteristics,

or underwriting guidelines.

Note A general term for any kind of paper or document signed by a borrower that is anacknowledgment of the debt, and is, by inference, a promise to pay. When the note is secured

by a mortgage, it is called a mortgage note and the mortgagee (lender) is named as the

payee. It is the contract between the Lender and Borrower.

Origination Fee The amount charged for services performed by the Lender/MortgageCompany handling the initial application and processing of the loan.

Points n!ONETIMECHARGEBYTHELENDERTOINCREASETHEYIELDOFTHELOANAPOINTISOFTHEamount of the mortgage.

Pre-Approval A written commitment from a lender, subject to a property appraisal and otherstated conditions, that lets you know exactly how much home you can afford.

Pre-Paids Closing costs related to the mortgage loan which are collected at loan closing including per diem prepaid interest and initial deposits of monthly escrows of taxes and

insurance.

Primary Residence A residence which the borrower intends to occupy as the principalresidence.

Principal The amount borrowed or remaining unpaid; also, that part of the monthly paymentthat reduces the outstanding balance of a mortgage.

Glossary



Private Mortgage Insurance (PMI) Insurance written by a private company protecting the

mortgage lender against loss resulting from a mortgage default.

Processing The preparation of a mortgage loan application and supporting documentationfor consideration by a lender or insurer.

Property Manager Person or company that takes over the managemnt, repair andmaintenance of a property for a percentage of the gross income. Services may also include

collecting rents and leasing the property.

Rate Cap The limit of how much the interest rate may change on an ARM at each adjustmentand over the life of the loan.

Rate Lock The borrower and the lender agree to protect the interest rates, points, and term ofthe loan while it is processed.

Real Estate Agent A salesperson, usually licensed by the state, and supervised by a broker.Agents work solely on commissions earned by selling properties.

Realtor Person licensed to sell or lease real property acting as an agent for others and who isa member of a local real estate board affiliated with the National Association of Realtors.

Rental Agent A real estate agent who specializes in working with renters to locate potentialproperties for lease.

Termination Notice from the landlord that the lease has been terminated and the tenant mustmove out by a certain date.

Title Insurance An insurance policy that protects a lender and/or homebuyer (only if home-buyer purchases a separate policy, called owners coverage)against any loss resulting from a

title error or dispute.

Truth-In-Lending Disclosure A Federal law requiring full disclosure of credit terms using astandard format. This allows the consumer to get information on the interest rate, the cost of

financing, and annual rate of financing.

Underwriting Analysis of r isk, determination of loan eligibility, and setting of an appropriaterate and terms for a mortgage on a given property for given borrowers.

Vacation Home A home where you spend any appreciable amount of time away from yourprimary residence for the purpose of leisure activities. A vacation home is not rented out for

LONGERTHANDAYSINANYGIVENCALENDARYEAR

Glossary



Area Utility Providers

ALABASTERElectric

!LABAMA0OWER#Owww.AlabamaPower.com/Residential/

Water

!LABASTER7ATERwww.AlabasterWater.com

Trash

2EPUBLIC3ERVICESwww.republicservices.com

Gas!LABAMA'AS#Owww.Alagasco.com

Telephone

!44"ELLSOUTHwww.Att.com

Cable/Satellite TV

#HARTER#ABLEwww.Charter.com

Dish Network

www.Dish.com$IREC46www.DirecTV.com

BESSEMERElectric

!LABAMA0OWER#O .www.AlabamaPower.com/Residential/

Bessemer Utilities

www.BessemerUtilities.com

Water

Bessemer Utilitieswww.BessemerUtilities.com

Trash

7ASTE-ANAGEMENT www.WM.com

Gas

!LABAMA'AS#O

www.Alagasco.com

Telephone


Cable/Satellite TV

"RIGHT(OUSE.ETWORKSwww.BrightHouse.comDish Network

www.Dish.com

$IREC46www.DirecTV.com

BIRMINGHAMElectric


Water

"IRMINGHAM7ATER7ORKS www.BirminghamWater

Works.com

Trash

2EPUBLIC3ERVICESwww.republicservices.com

Gas

!LABAMA'AS#Owww.Alagasco.com

Telephone

!44"ELLSOUTH

www.Att.com

Cable/Satellite TV


Dish Network

www.Dish.com


CALERAElectric


Water

#ITYOF#ALERAwww.CityofCalera.org

Sewer

#ITYOF#ALERAwww.CityofCalera.org

Trash#ALERA0UBLIC7ORKS$EPT www.CityofCalera.org

Gas


Telephone


Cable/Satellite TV#HARTER#ABLEwww.Charter.com

Dish Network

www.Dish.com


CHELSEAElectric

!LABAMA0OWER#O .

www.AlabamaPower.com/Residential/

Sewer

3OUTHWEST7ATER!UTHORITY www.swwc.com

Water

Southwest Water Companywww.swwc.com

Trash

7ASTE-ANAGEMENT

www.WM.com

Gas


Telephone

!44"ELLSOUTH www.Att.com

Cable/Satellite TV

#HARTER#ABLE

www.Charter.comDish Network

www.Dish.com


CLAY-CHALKVILLEElectric


Water

"IRMINGHAM7ATER7ORKS www.BirminghamWaterWorks.com

Trash

Advanced Disposalwww.AdvancedDisposal.com

Gas

!LABAMA'AS#O

www.Alagasco.com

Telephone


Cable/Satellite TV





Dish Network


COLUMBIANAElectric!LABAMA0OWER#Owww.AlabamaPower.com/Residential/

Water

#OLUMBIANA7ATER7ORKS

www.CityofColumbiana.com

Trash

4HE#ITYOF#OLUMBIANAwww.CityofColumbiana.com

Gas


Telephone


Cable/Satellite TV


Dish Network

www.Dish.com


FAIRFIELDElectric!LABAMA0OWER#Owww.AlabamaPower.com/Residential/

Water

Bessemer Utilities


Trash

7ASTE-ANAGEMENT

www.WM.com

Gas


Telephone


Cable/Satellite TV

#HARTER#ABLE


www.Dish.com


FORESTDALEElectric


Water


Trash

!DVANCED$ISPOSALwww.AdvancedDisposal.com

Gas

!LABAMA'AS#O

www.Alagasco.com

Telephone


Cable/Satellite TV


Dish Network


FULTONDALEElectric


Water

"IRMINGHAM7ATER7ORKS

www.BirminghamWaterWorks.com

Trash

6EOLIA%NVIRONMENTALwww.veoliaes.com

Gas


Telephone

!44"ELLSOUTH

www.Att.com

Cable/Satellite TV


Dish Network

www.Dish.com


GARDENDALE

Electric!LABAMA0OWER#Owww.AlabamaPower.com/Residential/

Water


Trash

!DVANCED$ISPOSAL

www.AdvancedDisposal.com

Gas


Telephone


Cable/Satellite TV


Dish Network

www.Dish.com


HOMEWOODElectric

!LABAMA0OWER#Owww.AlabamaPower.

com/Residential/

Water


Trash

#ITYOF(OMEWOOD3TREET3ANITATIONwww.Homewoodal.net

Gas


Telephone





Cable/Satellite TV

"RIGHT(OUSE.ETWORKS

www.BrightHouse.comDish Network

www.Dish.com


HELENAElectric


Water

(ELENA7ATERwww.CityofHelena.org

Trash

#ITYOF(ELENAwww.CityofHelena.org

Gas


Telephone


Cable/Satellite TV


Dish Network

www.Dish.com

$IREC46

www.DirecTV.com

HOOVERElectric


Water

"IRMINGHAM7ATER7ORKS

www.BirminghamWaterWorks.com

Trash

!DVANCED$ISPOSALwww.AdvancedDisposal.com

Gas


Telephone

!44"ELLSOUTH

www.Att.com

Cable/Satellite TV

"RIGHT(OUSE.ETWORKSwww.BrightHouse.com


Dish Network

www.Dish.com


HUEYTOWNElectric


Water

Bessemer Utilitieswww.BessemerUtilities.com

7ARRIOR2IVER!UTHORITYwww.warriorriverwater.

com

Trash

(UEYTOWN#ITY(ALLwww.hueytownal.org

Gas


Telephone

!44"ELLSOUTH

www.Att.com

Cable/Satellite TV


Dish Network

www.Dish.com


IRONDALE

Electric!LABAMA0OWER#Owww.AlabamaPower.com/Residential/

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)RONDALE7ATERwww.cityofirondale.org

Trash

)RONDALE3ANITATIONwww.cityofirondale.org

Gas


Telephone


Cable/Satellite TV



Dish Network

www.Dish.com


LEEDSElectric


Water

,EEDS7ATER7ORKSwww.lwwb.com

Trash


Gas!LABAMA'AS#Owww.Alagasco.com

Telephone


Cable/Satellite TV


Dish Network


MAYLENEElectric


Water

!LABASTER7ATER

www.AlabasterWater.com

Trash

2EPUBLIC3ERVICESwww.RepublicServices.com




Gas

!LABAMA'AS#O

www.Alagasco.com

Telephone


Cable/Satellite TV


Dish Network

www.Dish.com


MIDFIELDElectric


Water

Bessemer Utilities


Trash


Gas


Telephone


Cable/Satellite TV


Dish Network

www.Dish.com


MONTEVALLOElectric


Water

-ONTEVALLO7ATERwww.MontevalloWater.com

Trash


Gas


Telephone


Cable/Satellite TV


Dish Networkwww.Dish.com


MOODYElectric


Water

"IRMINGHAM7ATER7ORKSwww.BirminghamWaterWorks.com,EEDS7ATER7ORKSwww.lwwb.com/DENVILLE7ATER7ORKswww.oubwater.org

Trash

6EOLIA%NVIRONMENTAL

www.veoliaes.com

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Telephone

7).$342%!-www.WindStream.com

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#HARTER#ABLE


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MOUNTAIN BROOKElectric


Water


Trash


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!LABAMA'AS#O

www.Alagasco.com

Telephone


Cable/Satellite TV


Dish Network


NORTH SHELBYCOUNTY & INDIANSPRINGSElectric


Water

0ELHAM7ATERwww.PelhamOnline.com

Trash


Gas


Telephone


Cable/Satellite TV


Dish Network

www.Dish.com


ODENVILLEElectric!LABAMA0OWER#Owww.AlabamaPower.com/Residential/

Water

/DENVILLE7ATERwww.oubwater.org



Area Utility ProvidersTrash


Gas


Telephone


Cable/Satellite TV


Dish Network

www.Dish.com


PELHAMElectric


Water/Trash

0ELHAM7ATERwww.PelhamOnline.com

Gas


Telephone


Cable/Satellite TV#HARTER#ABLEwww.Charter.com

Dish Network

www.Dish.com


PELL CITYElectric


Water

0ELL#ITY7ATER$EPTwww.epell.net

Trash


Gas


Telephone


Cable/Satellite TV


Dish Network

www.Dish.com


PINSONElectric


Water


Trash


Gas


Telephone


Cable/Satellite TV


Dish Network

www.Dish.com


PLEASANT GROVEElectric


Water


Trash


Gas


Telephone


Cable/Satellite TV


Dish Network

www.Dish.com


SHELBYElectric


Water

3HELBY#OUNTY7ATER3ERVICESwww.shelbycountyalabama.com

Trash

4HE#ITYOF#OLUMBIANAwww.CityofColumbiana.com

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Telephone


Cable/Satellite TV


Dish Network

www.Dish.com


TALLADEGAElectric


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Gas

!LABAMA'AS#O

www.Alagasco.com

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Dish Network

www.Dish.com


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"IRMINGHAM7ATER7ORKS www.BirminghamWater

Works.com

Trash

2EPUBLIC3ERVICESwww.RepublicServices.com

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!44"ELLSOUTH

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Dish Network

www.Dish.com

$IREC46

www.DirecTV.com

TRUSSVILLEElectric


Water/Trash/Gas

4RUSSVILLE5TILITIESwww.Trussville.com

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Cable/Satellite TV


Dish Network

www.Dish.com


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Water


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#ITYOF6ESTAVIA(ILLS

www.VestaviaHills.net

Gas


Telephone

!44"ELLSOUTH

www.Att.com

Cable/Satellite TV


Dish Network

www.Dish.com




COLLIERCollier Swecker is a founding partner of the Mega AgentReal Estate Team at RE/MAX Advantage. Collier leadsthe teams listing division. Collier and his Mega Team areamong the most successful Real Estate Agents in theBirmingham Alabama real estate market. As a Realtor,he has been able to utilize his legal and marketing skillsto help clients save thousands of dollars and avoid costlycontractual mistakes.

#OLLIERGRADUATEDFROM!UBURN5NIVERSITY"!#UMBERLAND3CHOOLOF,AW*URIS$OCTORAND

Washington University School of Law in St. Louis (MastersOF,AWIN4AXATION#OLLIERWASTHEPRINCIPALpartner in a law practice, Swecker and Sparks, forYEARSIN!UBURN!LABAMA

Collier is married to Amanda Capps Swecker and livesin North Shelby County. Collier & Amanda are the proudparents to a beautiful daughter, Julia Abigayle. They alsohave one dog named Kramer.

MARKMark Carlisle is a founding partner of the Mega AgentReal Estate Team. Mark leads the teams buyers division.An extremely strong business background, exceptionalreal estate knowledge, and compassion explain whyso many people have chosen Mark Carlisle as theirRealtor of choice in Greater Birmingham, AlabamaFOROVERYEARS

Mark is a strong believer that his personal priorities thatare: God, Family, & Business (in that order!) In his personal

time, Mark enjoys spending time with his family, coachinghis sons sports teams, and playing sports including golf,tennis, basketball, and softball.

He also enjoys singing and playing the guitar. Mark isan active member of The Church at Brookhills inBirmingham, AL. Mark is married to Crissy Buchanan

Carlisle. Mark and Crissy have one son, Nicholas.

Meet Our Team



KENKen Williams is a Buyers Agent for The Mega Agent RealEstate Team at RE/MAX Advantage. He studied PoliticalScience at Mississippi State University, where hedeveloped a passion for serving and helping others.Ken approaches his business with the heart of a teacher,ensuring his clients understand and are comfortable withevery aspect of the home buying process.

In his personal time, Ken enjoys spending time with hiswife and playing sports including fencing, basketballand ultimate Frisbee. Ken is an active member at Trinity

United Methodist Church in Homewood, AL. Ken ismarried to Brooke, and they have one dog, Ace.

SHANTEShante Ross is a Buyers Agent for the Mega Agent Real%STATE4EAMAT2%-!8!DVANTAGE3HANTEHASOVERyears of sales and management experience. Her passionFORA3TAR#LIENT%XPERIENCEMAKES3HANTETHEPERFECT

advocate for home buyers in Greater Birmingham. FromlRSTTIMEHOMEBUYERSTOTHOSEINPURSUITOFTHEIRNEXThome, Shante enjoys assisting them in their home buyingjourney.

Shante enjoys spending time with husband Michael andtwo sons Jajuan and Michael III. She is an activemember of Revelation Knowledge Bible Church, ispassionate about helping people in the communityand loves to travel.

Meet Our Team


30/30

DIANNEDianne Daniels is the Client Care Coordinator for the MegaAgent Real Estate Team. An Iowa native, Dianne hasCALLED"IRMINGHAMHOMESINCE(AVINGHONEDHER administrative skills in a variety of roles over the past severalyears, shes proud to be part of the team.

In her free time, Dianne is very active in local theatre as anactor and director. She currently serves as president on the%XECUTIVE"OARDOF3OUTH#ITY4HEATREANONPROlTTHEATREin Shelby County.

JULIEJulie May is the Marketing Director for the Mega Agent RealEstate Team and owner of Anything Creative, a creativedesign firm. Julie has partnered with the team to createcompelling advertising and sales material for our programsANDLISTINGS3HEBRINGSMORETHANYEARSOFDESIGNANDmarketing experience to The Mega Agent Real EstateTeam.

Julie graduated from The University of Alabama with aDEGREEIN#OMMUNICATIONSANDAMINORINTHE#OMPUTERBased Honors program. She is married to Jordan and has

one daughter, Abigail.

Meet Our Team

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Home Investors Guide - Mega Agent Real Estate Team - Birmingham Alabama

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