Terri Kelley Group

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Terri Kelley Group The Terri Kelley Group is a Team of Real Estate Professionals at your disposal for all your Real Pro https://linktr.ee/TerriKelleyRealtor

10/13/2026

You found the house. 🏡

You're approved for the mortgage.

Everything looks great.

Then comes the INSURANCE surprise. 😳

Homeowners insurance is something buyers should investigate EARLY, not at the last minute.
And don't forget that standard homeowners insurance typically does NOT cover flooding.
Have your homeowners insurance premiums increased in the last few years?
I'm curious how much everyone is paying!

10/13/2026

Thinking about selling your home? STOP before you start that renovation! ✋🔨

I get this call all the time: “I’m thinking about selling, but first I’m going to do some work to the house.”

Here’s my advice: don’t do any work yet. Call me first. 📞

One seller planned to spend about $20,000 on a brand-new kitchen before listing. The problem? The next buyer might love the kitchen that’s already there, or want something completely different. Spend $20K on a kitchen they don’t want, and you won’t get that money back. 💸

Not every upgrade adds value. Before you replace floors or tear out cabinets, let’s talk about what will actually make a difference.

When I walk through your home, I’ll tell you honestly what’s worth doing:
✨ A little freshening up
🧽 A good clean-up
✅ Small fixes that matter to buyers

You want the most money for your home, and I want that for you too. Let’s make a plan together. Then YOU decide the smartest way to spend your money.

Thinking about selling? Reach out before you pick up a hammer! 🏡

📞 Terri Kelley: 706.593.7827
📱 Terri Kelley Group: 706.960.1729
📧 [email protected]
🏢 Real Broker LLC: 334.710.2263

10/13/2026

The Bank Says Your $300K House Is Only Worth $280K! | Low Appraisal Explained

You agree to buy a house for $300,000, and the appraisal comes back at $280,000. Who’s responsible for that $20,000 difference?

The answer depends on your contract, your financing, and what the buyer and seller are willing and able to negotiate. The seller might lower the price, the buyer might cover the gap in cash, both sides might split the difference, the appraisal could be challenged, or the buyer may be able to walk away if their contract allows it.

A low appraisal doesn’t automatically kill a deal, but it can change the conversation quickly. Knowing your options before it happens is key.

Would you pay more than the appraised value for a house you absolutely loved? Let me know in the comments!

Buying or selling and want someone who can guide you through situations like this? Reach out anytime.

📞 TERRI KELLEY: 706.593.7827
📱 TERRI KELLEY GROUP: 706.960.1729
📧 [email protected]
Real Broker LLC 334.710.2263
🔗 https://heyleo.com/terrikelley

10/12/2026

Buying new construction? That $300K price tag might not be the price you actually pay. 🏡💸

The selection room is where budgets go to grow. Flooring, countertops, tile, cabinets… every choice you make can either stay within what’s included or add an upgrade cost. A simple shower change can run $3,000, and swapping carpet for LVP throughout adds up fast. Before you know it, $300K becomes $350K.

Here’s what to do before your selections meeting:
✅ Ask your builder exactly what the standard builder selections are
✅ Know which options count as upgrades and what they cost
✅ Choose from the included options wherever you can

And here’s what’s actually worth upgrading up front:
🔹 Tile flooring throughout
🔹 Countertops
🔹 Cabinet colors

These are hard and expensive to change once the house is built, so make those decisions early.

Thinking about building and want to know what your contract price really includes? I sell all kinds of new construction and can give you the inside scoop before you walk into that selection room. Call or message me anytime!

📞 TERRI KELLEY: 706.593.7827
📱 TERRI KELLEY GROUP: 706.960.1729
📧 [email protected]
Real Broker LLC 334.710.2263

10/12/2026

🏡✨ LUXURY LIVING STARTS HERE ✨🏡

📍 7213 King Road | Crown Home Subdivision | Valley, Alabama

Welcome home to brand-new construction in the beautiful Crown Home subdivision! 🔑

🛋️ Bright, open-concept living and dining, made for everyday life and entertaining
✨ Luxury LVP flooring throughout
🍳 A gorgeous kitchen with granite countertops, ample cabinet space, and modern appliances
🛏️ A spacious primary suite with an elegant en suite: double vanities, walk-in shower, and modern finishes
🛏️ Two additional bedrooms, perfect for family, guests, or a home office
🛁 A beautifully finished second bathroom
🌿 A landscaped yard for relaxing, entertaining, and enjoying home

📍 WHY VALLEY, AL?
🚗 Quick access to I-85, putting Auburn, Opelika, LaGrange, Montgomery, and Atlanta within easy reach
✈️ About 1.5 hours to Atlanta’s Hartsfield-Jackson International Airport
🌊 Minutes from the Chattahoochee River and West Point Lake for boating, fishing, and weekend fun
🚴 Walk or bike the paved Chattahoochee Valley Railroad Trail, a National Recreation Trail
⚽ Community center and sportsplex for the whole family

💼 A SMART MOVE FINANCIALLY
🏭 Just minutes from the Kia Georgia plant in West Point, the anchor of a strong automotive job hub with suppliers across Chambers County
💵 Alabama offers some of the lowest property taxes in the country
🏠 Small-town cost of living with big-city access, and the value of new construction from day one

📅 OPEN HOUSES ALL OCTOBER
🗓️ Wednesday–Sunday | 11 AM – 2 PM
👋 Hosted by Alan Johnson (706-575-5744) & Joshua Falls (334-734-0803)

📞 For more details, contact:
Terri Kelley: 706.593.7827
Terri Kelley Group: 706.960.1729
🏢 Real Broker LLC: 334.710.2263

Don’t miss your chance, come tour with us this October! 🍂

Crown Homes Valley, Alabama

10/11/2026

Something big is happening in Valley, Alabama, and homeowners should take notice. 📈🏡

Once known for its textile mills, Valley is writing a new chapter driven by business growth and opportunity.

Here's what's fueling the momentum:

✅ Prime location: right along Interstate 85, with access to major markets like Atlanta and Montgomery
✅ Skilled workforce: a strong labor base that attracts employers
✅ Local business support: a community invested in helping entrepreneurs succeed
✅ Diversifying economy: new industries building on Valley's manufacturing roots

Why does this matter for homeowners? When businesses create jobs, they draw new residents. That growth can increase housing demand, bring more shops and services, and strengthen long-term real estate potential.

💡 Broker tip: Local economic growth is one of the best indicators of future home value. Whether you're buying, selling, or holding, understanding where your market is headed helps you make smarter decisions.

Wondering what Valley's growth means for your home? Connect with the Terri Kelley Group and discover your next move.

📞 TERRI KELLEY: 706.593.7827
📱 TERRI KELLEY GROUP: 706.960.1729
📧 [email protected]
Real Broker LLC 334.710.2263
🔗 https://heyleo.com/terrikelley

10/10/2026

Retirement on your horizon? Valley, Alabama deserves a spot on your list. 🌿🏡

This small town offers the slower pace and Southern charm many retirees want, without giving up everyday convenience.

Here's why Valley stands out:

✅ Affordability: cost of living below the national average, with especially attractive housing costs
✅ Active lifestyle: mild Southern climate plus easy access to boating, fishing, parks, and the Chattahoochee River
✅ Healthcare nearby: EAMC Lanier right in Valley, with more options in Auburn and Columbus
✅ Connected living: close to Auburn, Columbus, Atlanta, and Birmingham
✅ Tax-friendly: Alabama doesn't tax Social Security benefits at the state level
✅ Room to grow: newer housing options and growing communities

💡 Broker tip: The right retirement home fits your lifestyle today and your plans for tomorrow. Consider single-level living, low-maintenance yards, and proximity to the healthcare and activities you value most.

Ready to start your next chapter? Let the Terri Kelley Group help you find the home that fits your retirement lifestyle.

📞 TERRI KELLEY: 706.593.7827
📱 TERRI KELLEY GROUP: 706.960.1729
📧 [email protected]
Real Broker LLC 334.710.2263
🔗 https://heyleo.com/terrikelley

10/09/2026

RISE IS BACK! 🚀

October 19–21 in Las Vegas, and you already know I'll be there again! 🙌

Last year was incredible: the energy, the connections, the ideas I brought home to our clients and team. This year is going to be even BIGGER. 🔥

RISE 2026 is where our Real Broker community comes together to connect, elevate, and celebrate. From high-energy mixers to exclusive division gatherings, every part of this year's networking lineup is designed to help you expand your network and scale your business. 📈

For me, events like this are about more than inspiration. They're about learning what's working across the country and bringing those strategies home to serve our clients in Georgia, Alabama, and Florida even better. 🏡

So… who's coming with me? 👀 Drop a 🙋‍♀️ in the comments if you'll be in Vegas, and let's make sure we connect!

📞 TERRI KELLEY: 706.593.7827
📱 TERRI KELLEY GROUP: 706.960.1729
📧 [email protected]
Real Broker LLC 334.710.2263
🔗 https://heyleo.com/terrikelley

10/09/2026

Your lender choice is more than a referral — it's your financial future. 🏡💰

Before you buy a home, take time to choose the right mortgage lender. A friend's or family member's great experience doesn't guarantee yours, and your experience is the only one that truly matters.

Here's what to know before you commit:

✅ Research the lender and understand their process
✅ Ask about their minimum credit score requirement
✅ Know the interest rate they're quoting
✅ Request a fee sheet based on your situation after they run your credit

Keep in mind that numbers can shift depending on the home, escrow, and daily rate changes. Banks follow their own lending guidelines, while mortgage brokers work with multiple lenders that each have their own rules.

💡 Broker tip: Have at least two lenders review your credit and give you a fee sheet. Comparing side by side shows you whose numbers truly work best for you. Choose the lender who serves your financial goals, not anyone else's.

Thinking about buying in Columbus, LaGrange, Phenix City, Valley, Lanett, or Valrico? Let's talk before you start shopping for a loan.

📞 TERRI KELLEY: 706.593.7827
📱 TERRI KELLEY GROUP: 706.960.1729
📧 [email protected]
Real Broker LLC 334.710.2263
🔗 https://heyleo.com/terrikelley

Address

3711 20th Avenue
Valley, AL
36854

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