Orange Beach, Gulf Shores and Fort Morgan real estate and homes for sale in Alabama, Pre-Construction, Condos- Ann Picard, REALTOR® Ann Picard REALTOR(r) for Orange Beach, Gulf Shores and Fort Morgan, Alabama real estate, Pre-Construction, Condos - NUMBER1EXPERT™ Ann Picard NUMBER1EXPERT(tm) for Orange Beach, Gulf Shores and Fort Morgan, Alabama real estate, Pre-Construction, Condos
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Ann Picard, REALTORŪ, real estate agent and broker for Orange Beach, Gulf Shores and Fort Morgan Alabama home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 251-543-6400.



Find Out About the Latest Homes for Sale First!
I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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Outstanding Service
Throughout the sale, we felt that Ann gave us her undivided attention and made sure all of our questions were answered.
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Mortgage Prequalification: Orange Beach, Gulf Shores and Fort Morgan Alabama home buying, real estate listings, and homes for sale in Baldwin                        County, AL
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend!
 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Orange Beach, Gulf Shores and Fort Morgan Realtor to offer services such as these. 

Once you fill out the form, I will quickly process your information and get right back to you!
 

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Real Estate Tips
Buying Land and New Construction >Testing the Soil

Are you building a custom-designed home on hand picked acreage? An essential step is testing the soil, which will determine the composition of the ground that must provide a stable foundation for your new home.

The soil could have a combination of various conditions and characteristics. It might be fine, silt-laden soil that collapses when it absorbs excessive water, or soil with a high clay content that sucks up water and then expands under a building, causing it to buckle or shift. Such soil is easy to excavate but unstable to build on. It must be replaced in compacted layers until it achieves suitable density to provide a stable foundation for the house.

On the opposite end of the spectrum, your land might sit on a layer of hard rock, which is wonderfully stable, but extremely hard to penetrate. Excavation costs will be higher if your builder has to bring in heavy equipment to dig out the rock. A professional soil report will help your builder determine the best approach to engineering your site.

See All Tips In The "Buying Land and New Construction" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
What are the characteristics of classic Queen Anne architecture?

A 
Queen Anne homes are the most elaborate, romantic and feminine of all Victorian Homes.
See More Real Estate Trivia >

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Ann Picard, REALTORŪ, real estate agent and broker for Orange Beach, Gulf Shores and Fort Morgan Alabama home listings, property and land for sale - NUMBER1EXPERT(tm)

Ann Picard
Ann Picard Realty Inc.

25042 Perdido Beach Blvd P O Box 1147
Orange Beach
AL 36561
251-543-6400
Fax: 251-981-2644
PannPicard@aol.com

Ann is originally from the mountains of North Carolina, but she has lived in Alabama since 1982. She has sold properties in many diverse resort areas. She specializes in beach and waterfront condominiums, homes and building lots. Her 20 years of experience and knowledge gives any buyer or seller an edge on the market. Mingle that with integrity, dependability and professionalism and you have the best in listing, selling, renting or management of your property. She is licensed in Alabama, Florida and Hawaii.

Equal Housing REALTOR


Ann Picard Realty Inc. real estate and homes for sale in Orange Beach, Gulf Shores and Fort Morgan Alabama

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