Aliyah S. Riley, Realtor-Chanda Davis Real Estate

Name: Aliyah S. Riley, Realtor-Chanda Davis Real Estate
Address: 475 Providence Main Street NW Ste 404, Huntsville, AL, 35806, US
Telephone: +12564691747

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United States
Huntsville, AL
Aliyah S. Riley, Realtor-Chanda Davis Real Estate

Premier Realtor of Chanda Davis Real Estate in the Huntsville-Madison County AL . I can help you sell , buy or rent real estate !

A service oriented agency specializing in helping you meet your real estate needs and luxuries .

07/31/2025

Excited to announce that I am now a certified Military Relocation Professional (MRP)!
Supporting our service members and their families through smooth, informed relocations . Whether you’re PCSing, buying, or selling — I’m here to serve those who serve. 🏡✨

01/20/2025

Property taxes are a levy imposed by local governments, such as cities, counties, or municipalities, to fund public services like schools, roads, and emergency services. They are calculated based on the assessed value of your property, which is determined by a local assessor. The tax rate, often referred to as a millage rate, is applied to this assessed value to determine the amount owed annually. Property taxes can vary widely depending on the location, size, and value of the property, as well as local tax laws. Typically, they are paid annually or semi-annually, either directly by the homeowner or through an escrow account managed by a mortgage lender.

01/17/2025

There’s no reason to add extra stress to the home selling process. Here are a few things to avoid when trying to sell your home!

12/20/2024

Understanding mortgage terminology is key when buying a home. Here are five must-know mortgage terms:

1. Principal: The amount of money you borrow to purchase your home. It doesn’t include interest, taxes, or other fees.

2. Interest Rate: The percentage charged by your lender for borrowing money. Can be fixed (stays the same) or adjustable (changes over time).

3. Loan-to-Value Ratio (LTV): The percentage of your home's value financed by the loan. Calculated as: Loan Amount ÷ Home Value.

4. Private Mortgage Insurance (PMI): Insurance required by lenders if your down payment is less than 20%. Protects the lender, not you, in case you default on the loan.

5. Escrow: A neutral account where funds for property taxes and homeowners insurance are held by your lender. Part of your monthly mortgage payment goes into this account.

12/18/2024

Wondering the perks of selling your home in the winter months? Here are a few:
1. Less Competition�Fewer homes are listed in December, giving your property a better chance to stand out.
2. Motivated Buyers�Buyers looking during the holiday season are often serious and motivated to close quickly, whether due to job relocations, tax purposes, or other end-of-year deadlines.
3. Festive Appeal�Homes can look warm and inviting with tasteful holiday décor, creating an emotional connection with buyers.
4. Potential Tax Benefits�Some buyers may be eager to close by year-end to take advantage of tax benefits like mortgage interest deductions.
5. Flexible Schedules�Many people have extra time off during the holidays, making it easier for buyers to tour homes and for sellers to prepare for showings.

12/17/2024

Here are the key do's and don'ts of home improvement DIY to ensure your projects are successful, safe, and value-adding:

The DOs

1. Do Plan Ahead: Research the project thoroughly, including materials, tools, and time required.

2. Do Start with Small Projects

3. Do Invest in the Right Tools: Consider renting specialized tools if you don’t want to buy.

4. Do Prioritize Safety

5. Do Know When to Call a Professional: For complex tasks like electrical wiring, major plumbing, or structural changes, hire an expert to avoid costly mistakes or safety risks.

The DON'Ts

1. Don’t Skimp on Quality Materials

2. Don’t Ignore Permits: Some projects, like structural changes or electrical upgrades, require permits.

3. Don’t Underestimate Costs or Time

4. Don’t Overestimate Your Skills: A poorly done DIY job can decrease your home’s value or require costly repairs.

5. Don’t Start Without Proper Measurements

12/13/2024

Many homeowners cite the following reasons for why they love their neighborhood:

Sense of community: A good neighborhood is a safe, friendly place where people know each other and have a strong sense of community.

Low crime rate: A low crime rate can give a neighborhood a sense of calm and ease.

Nearby amenities: A good neighborhood has more than just a nice view, it also has nearby essentials.

Things to do: People love neighborhoods where they can pursue a variety of activities.

Neighbors: Neighbors are a convenient way to interact with people face-to-face.

Facilities: A neighborhood can offer many facilities, such as a park with swings for kids.

Do any of these factors contribute to how much you love your current neighborhood? We’d love to hear from you in the comments!

12/09/2024

Closing costs are the expenses and fees that buyers and sellers pay at the conclusion of a real estate transaction. Here's a breakdown for both buyers and sellers:

Closing Costs for Buyers:
Buyers typically pay 2-5% of the home’s purchase price in closing costs. These can include: Loan-Related Fees like Origination Fee, Credit Report Fee, Appraisal Fees, Title and Escrow Fees, Government Fees like recording fees and transfer taxes. This can also include Prepaid Costs which includes property taxes, homeowners insurance, and mortgage insurance and miscellaneous fees like inspection fees and HOA fees if applicable.

Closing Costs for Sellers:
Sellers usually pay 6-10% of the home’s sale price in closing costs. These can include: Real Estate Agent Commissions which are typically split between the buyer’s and seller’s agents. Title and Escrow Fees, Transfer Taxes where applicable, prorated costs like property taxes and HOA fees up to the closing date. There can also be miscellaneous fees like attorney fees, mortgage payoff, repairs or concessions.

Some closing costs are negotiable, and the buyer or seller can agree to cover specific fees during negotiations. In some areas, certain fees are customarily paid by one party (e.g., sellers often pay for title insurance in some states).

12/04/2024

Real estate is one of those industries that is heavily influenced by environmental, political, social, and broader economic forces that affect property value and pricing, as well as people’s buying and selling decisions. Additionally, the real estate market is shaped by these four factors:
Demand: This is both the quantity of homes wanted, at a specified price at a specific time, and buyers’ willingness and ability to purchase a home (i.e., homes are for sale that a buyer can afford and wants to purchase).
Rarity: This refers to the limited supply of certain types of property in particular locations (i.e., the buyer is ready and able, but a property is not available, so the sale won’t take place).
Utility: This factor asks the question: “Is the commodity suitable for use?” (i.e., the buyer might be ready and able, the property might be available, but if the residence is riddled with asbestos, the sale still will not take place until the problem is remedied).
Transferability: This refers to the ability of the home to legally change hands. For example, if all the other elements line up, but the buyer discovers that the seller’s name is not on the title or another legal encumbrance with the deed, he or she still cannot purchase the property.

12/02/2024

As a first-time homebuyer, there’s a lot to navigate, but with preparation and the right knowledge, you can make the process smooth and exciting. Here’s what you should know:
1. Understand Your Budget: Calculate what you can afford, considering monthly payments, taxes, insurance, and maintenance. Aim to spend no more than 28-30% of your gross monthly income on housing.
2. Check Your Credit Score: Your credit score significantly impacts the mortgage rate you’ll qualify for. A higher score can save you thousands over the life of your loan.
3. Get Pre-Approved for a Mortgage: A pre-approval shows sellers you’re a serious buyer and gives you a clear price range. Shop around for lenders to find the best rates and terms.
4. Research First-Time Buyer Programs: Many states and federal programs offer grants, low-interest loans, or down payment assistance. Check for FHA loans or local housing authority options.
5. Save for More Than Just the Down Payment: Factor in closing costs (2-5% of the home price), moving expenses, and future repairs or renovations. Create an emergency fund to cover unexpected expenses after moving in.

11/27/2024

Today and every day, real estate agents are grateful for the clients who helped to get us to where we are. Every referral and every kind word motivates us to be the best agents we can be for you. We are so thankful to be able to help our clients with all of their buying and selling needs.

Address

475 Providence Main Street NW Ste 404
Huntsville, AL
35806

Telephone

+12564691747

Website

https://aliyahriley.valleymls.com/

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