Mobile, Grand Bay, Irvington, Theodore, Tillmans Corner, Saraland, and Semmes real estate and homes for sale in Alabama - The Charles Hayes Team, REALTORS® The Charles Hayes Team REALTORS(r) for Mobile, Grand Bay, Irvington, Theodore, Tillmans Corner, Saraland, and Semmes, Alabama real estate - NUMBER1EXPERTS™ The Charles Hayes Team NUMBER1EXPERTS(tm) for Mobile, Grand Bay, Irvington, Theodore, Tillmans Corner, Saraland, and Semmes, Alabama real estate
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The Charles Hayes Team, REALTORŪ, real estate agents and broker for Mobile, Grand Bay, Irvington, Theodore, Tillmans Corner, Saraland, and Semmes Alabama home listings, property and land for sale - NUMBER1EXPERT(tm)
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About The Charles Hayes Team?: Mobile, Grand Bay, Irvington, Theodore, Tillmans Corner, Saraland, and Semmes Alabama home buying, real estate listings, and homes for sale in Mobile County, AL
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Meet The Charles Hayes Team 

For many years now, Charles Hayes has been the Top Producing Realtor in the greater Mobile area, having sold over 382 houses for a value of over 72.8 million dollars in the year 2007, over 60 million dollars in the year 2006, nearly 59 million dollars in the year 2005, and 50 million dollars in sales in the year 2004. This has led Charles to be named Coldwell Banker's #5 real estate agent in the state of Alabama and Coldwell banker's #5 agent in the Southern Region which includes 19,000 agents in 14 states. 

Charles has put together an outstanding Team of professional Realtors consisting of himself, and two sales associates, Cindy Nobles and Rhonda Moser; his personal assistant and full time closing agent for the Team--Denah Sellers, who help him provide unparalleled service to all of his Buyer and Seller clients. With over thirty years of experience in the greater Mobile area, Charles and his team have become the industry leaders in the new construction home market, the re-sale market, and waterfront sales as well. Charles also has the benefit of an extensive referral and relocation program. 

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Real Estate Tips
Buyers Remorse >First Time Loans

Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.

Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.

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Real Estate Trivia
Q 
What is the most common name for a city in the United States?

A 
Fairview is the most common city name, according to the 1996 Top Ten of Everything Book.
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The Charles Hayes Team, REALTORŪ, real estate agents and broker for Mobile, Grand Bay, Irvington, Theodore, Tillmans Corner, Saraland, and Semmes Alabama home listings, property and land for sale - NUMBER1EXPERT(tm)

The Charles Hayes Team
Coldwell Banker, Charles Hayes Real Estate, Inc.

1120 Hillcrest Road
Mobile, AL. 36695
251-633-6300
251-421-7070
Fax: 251-633-6679
Email: charleshayes@NUMBER1EXPERT.com

Charles E. Hayes wants to be your real estate agent! With over twenty-five years in the real estate industry, he has extensive knowledge of the real estate market in the area, and he works with both buyers and sellers. Charles specializes in new home construction. He also has two full-time assistants who are also Realtors and a closing agent to help you. Having his team work for you makes buying or selling your new home nearly effortless. Call or email him today!!!

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