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Welcome to The Tom & Elaine Team'sHuntsville, Madison, Hampton Cove and Owens Cross Roads Real Estate Website

Welcome! Here You Can Find Great Information on Alabama Real Estate in Huntsville, Madison, Hampton Cove, Owens Cross Roads, Brownsboro, Monrovia, Harvest, Meridianville and Hazel Green.

Looking for homes? Search everything the web has to offer, right here! Don't miss our Feature Homes.

Need local real estate information? We've summarized much of what is important about the Huntsville, Madison, Hampton Cove, Owens Cross Roads, Brownsboro, Monrovia, Harvest, Meridianville and Hazel Green real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job. Put our ideas to work...but do it now.

Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR real estate agents. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As top Huntsville, Madison, Hampton Cove and Owens Cross Roads real estate agents, we have the experience and track record you are looking for. Please let us help!

Meet our Buyer Specialist, Cheryl Nagle, and our Client Care Manager, Gloria Sanders, on our About Us page. The Tom and Elaine Team is your partner in buying and selling real estate. Think of us as your real estate information resource.

They don't call us EXPERTS for nothing, because our TEAM, collectively, has over 40 years of real estate experience! We're trustworthy and honest, and do whatever it takes to get the job done. There's no substitute for hard work and integrity.

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The Tom & Elaine Team

Tom and Elaine Kennelly
Cheryl Nagle
Gloria Sanders

School Reports in Huntsville, Madison, Hampton Cove and Owens Cross Roads, Alabama

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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Alabama Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Huntsville, Madison, Hampton Cove and Owens Cross Roads

First Time Buyers >The Down Payment

Perhaps no single decision in a real estate purchase has more variables than "How much money do I put down?" Conventional wisdom centers around either putting down as much as you can or as little as the lender allows.

If you put down a large payment, you get some leverage with the lender, such as little or no mortgage insurance, a good equity position, and perhaps a preferred mortgage deal. You will also have lower mortgage payments. One potential disadvantage of a large down payment is that you will be using after-tax dollars on which you could be earning interest. You will also have less tax-deductible interest.

When you buy a home with a low down payment, you will have more tax deductible interest, and your investment value percentage will increase faster. You will have little equity at the outset, and your monthly mortgage payments (and perhaps your interest) will be higher. However, you will also keep more of your own money in hand to potentially earn more interest in other investments.

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Q	What city boasts eight of the world's ten biggest hotels?
A	Las Vegas has eight of the largest resort hotels; the latest and most extravagant is the $2.7 billion, 2,716-room Wynn Las Vegas.
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The Tom & Elaine Team, REALTOR®, real estate agent and broker for Huntsville, Madison, Hampton Cove and Owens Cross Roads, Alabama home listings, property and land for sale - NUMBER1EXPERT(tm)

The Tom & Elaine Team
Keller Williams Realty
2410 L&N Drive, Suite C
Huntsville, AL 35801
256 714-2220
Fax: 256-705-0780
TomandElaine@NUMBER1EXPERT.com

The Tom and Elaine Team, including Gloria and Cheryl are successful Realtors and successful Administrative staff, but even better, they are successful at life. They love working so that their clients have a stress-free process in moving from one home to another. They have values and they put those values to work: integrity, honesty, truthfulness and teamwork. Then they toss in friendliness and just plain fun! It all adds up to success for everyone.

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