LifeandHomes Birmingham, Alabama

Birmingham Central NY

Life and

Homes

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December April 2010 2010

B Sr iW n g/ H i nogo vp e ro p- l eP eal n hd a mh o- mAelsa bt oa gs teet rh e r wwwww. w.LLi fi feeaannddHHoommees s. c. coomm

We Have Your Home For Christmas

Swipe Less Save More

Wow Holiday Guests with Decor Upgrades

Frightful Outside, Toasty Inside New Home

No Hassle Complete Real Estate Listing Directory @ LifeandHomes.com

Life and

Notes from the Editor LifeandHomes™ is all about family, quality of life, and making the experience of buying a home or investment property as easy and informative as possible. Our network of real estate industry participants includes buyers, sellers, realtors, FSBO, investors, banks & mortgage companies, developers, contractors, and home improvement vendors.

We appreciate you picking up our publication and reviewing the articles, listings and advertisers who are eager to assist you in the Birmingham/ Southwest market.

We understand that choosing a home, whether you purchase or rent, is a major decision. We are very pleased to include such a wide variety of homes available, as well as the agents and home owners who are represented in the LifeandHomes™ magazine. We encourage you to use the contact information inside the magazine to schedule an Donna Brandenburg appointment or just get more information on what could be your next Managing Editor home. Please tell everyone you saw their property listing in the December 205-682-6901 • donna@lifeandhomes.com issue of Life and Homes magazine.

With this holiday season upon us, we reflect on our year and the experiences that have carried us through 2010.

If we have learned anything this year, it's that change is a part of life and kindness, charity and love will always endure. We are very grateful for the entire LifeandHomes™ team who brought everything together this season.

A special Thank You to Nina Lockard and Candace Rayfield for their accomplishments these last few months, for bringing together the best agents, listings, Realty companies and other local companies into the Birmingham LifeandHomes™ magazine family. Our wish is that all our affiliates prosper and grow with each publication.

The LifeandHomes™ office and publication staff are always professional and committed to providing clients and readers with unmatched customer service from a simple phone call for information, to an extensive graphic enhancement for our clients, to an inquiry concerning the LifeandHomes™ website, located at: www.lifeandhomes.com/birminghamsw_al/. These services and more are provided by Darlene Pipkin and Nathan Shugart, who, as a part of the Birmingham team, are such a blessing to work with, and sincerely appreciated by everyone here at LifeandHomes™.

2011 could be “The Year” for the Real Estate Industry. You can count on LifeandHomes™ to bring you the best in our area, at any price range.

Whether it's Merry Christmas, Happy Chanukah, Market Feliz Navidad, or Season's Greetings, AllYour Listings

print /online

foras Lowas

Birmingham, AL

Spread the word!

nburg Donna Brande

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L i f e and H o m e s

$15

We wish you the Happiest of Holidays and Peace on Earth and Good Will to all Men.

The Most Affordable Way to Promote Your Listings Call 205-682-6901

2

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Homes BIRmingham, al Edition

Published By LIfeandhomes franchise, INC. Publication Franchisor D avid P. Lisi Corporate Editor Kim Lisi Kim@dslisi.com

Birmingham SW Franchise

LAH1, LLC. 201 Cahaba Valley Parkway Pelham, AL 35124

205-682-6901

Managing Editor D onna Brandenb urg Donna@lifeandhomes.com

Corporate Support Darlene P ipkin Graphic Support N athan Sh u gart Marketing Consultant Candace Rayfield Nina Lockard Contributing Writers Robert N eedham M ark S chrade

Advertising Deadline January Issue December 31, 2010

Corporate Office LifeandHomes Franchise, Inc. PO Box 18 Holland Patent, NY 13354

315-865-5845 Fax 1-315-865-7418 www.LifeandHomes.com For franchise information call, 1-800-961-0420 Life and Homes is published monthly by LAH1, LLC. Every effort has been made to ensure that home listings, advertisements and information are free of errors or omissions.

The publisher does not guarantee the accuracy of the submitted information to Life and Homes Magazine and assumes no liability.

This information has been compiled from public records and other sources we believe to be reliable, but we make no guarantee with respect to its accuracy or completeness or the absence of restrictions on use and are not responsible for any liability, loss, or risk that subscribers may incur, directly or indirectly, from using the contents of this site.

Copyright © 2010 LAH1, LLC.

Find, Fix & Forget

Simple Weatherization Tips The weather outside may be frightful, but inside, many homeowners can still enjoy the comfort and coziness of warmth ... if they don't have to worry about cold air drafts and leaks causing the temperature inside to plummet like the climate outside.

Luckily, for many homeowners, problem areas where cold air is sneaking in - and warm air may be escaping - can easily be found, fixed and then forgotten. According to the U.S. Department of Energy), the annual energy bill for a typical single family home is about $2,200. By properly sealing and insulating your home, you can save up to 10 percent on home energy costs. And, you don't need permanent, expensive draft-blocking solutions, such as installing new windows, adding more insulation or replacing old doors with insulated versions, to stay warm and reap the financial rewards.

For leaks under doors and windows, look for a solution that will "hug" the bottom to create an airtight barrier. The Double Draft Seal from Duck brand offers two layers of protection from drafts, sealing underneath doors and windows from both sides, for maximum energy efficiency and thermal protection.

For more information and tips to winterize your home, visit DuckBrand.com/HomeSmart.

newsShorts

Swipe Less

Save More In the aftermath of the Great Recession, one good money habit seems to be sticking around: swiping plastic less. In fact, a recent survey by USAA found more than half of the shoppers don't plan to use a credit card at all this holiday shopping season.

However, two in five consumers still plan to use their credit card this year. "While it's good to see people are relying less on credit for holiday shopping, using a credit card is not always a financial faux pas," says Joseph Montanaro, financial planner for USAA. "But, you have to use them wisely, rather than as a crutch to spend more than you can afford."

Here are four excuses to pull out your plastic this holiday season: 1. The holiday shopping season can be an ideal time to maximize rewards program benefits.

2. Using a credit card at least a few times per year can help keep your credit score in good standing.

3. Purchase protection or extended warranty can provide you with peace of mind on expensive purchases.

Thinking About a

Payday Loan?

A payday loan, which is illegal in many states, is a short term loan of usually $100$500. The interest rates are very high, sometimes 400% or more. Typically. a borrower provides the lender authorization to take the loan amount and fees out of his/her checking account in a week or two, when the borrower is next paid. If the loan is not paid back at the end of the term, the loan is renewed and the consumer is charged more fees and interest. Under the federal Truth in Lending Act, the cost of payday loans must be disclosed in writing.

The total amount financed and the annual percentage rate must be provided in writing before the loan is made.

There are several alternatives to payday loans. Seek a loan from a licensed lender that makes small, unsecured loans. Obtain a loan from a credit union. Get a cash advance from your credit card. Make a pawn loan using a nonessential item as collateral. Speak with your creditors to see if they can provide better payment terms. Seek help from a not-for-profit, licensed credit counseling service. Visit nyconsumer.gov for additional resources and information.

4. Debit cards can provide the best of both worlds, with some offering credit card-style rewards programs and the built-in spending limits of cash. (ARA)

RobinConstructionLLC.com

HANK’S CARPET 691 Varnell Road • Exit 341 • Tunnel Hill, GA 30755 706.673.2410 • 800.356.1253 • 706.673.2996 fax

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Free Delivery of LifeandHomes

Don’t miss that Special Home you’ve been looking for.

Have a PDF sent right to your email. visit www.LifeandHomes.com Click on the magazine www.Life and Homes .com

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L i f e and H o m e s

PO Box 25 Wilsonville, Alabama Phone 205-515-4715

Bar and mesh styles available. Cage tilts allowing for service access to A/C unit.

Since we are located in the "Carpet Capitol of the World", Dalton, GA, we offer up to 60% savings and a wide variety of styles, colors, and sizes. Our policy is to sell a full line of flooring products at wholesale carpet prices.

Builders Welcome!

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WHOLESALE PRICING

December

GOT COPPER?

metroChurch

Building Strong Families of Faith in Tough Times Mark Schrade Senior Pastor Metropolitan Church of God

L i f e and H o m e s

■

Birmingham, AL

2800 Metropolitan Way Birmingham, AL 35243 www.metrocog.org

The book of Job shows us how to build strong families in tough times. The first thing we notice about Job was that he “Worshipped Consistently”.

The adversary’s plan was to get Job’s family to “curse” God (Job 1:5; 11; 22:9). This phrase meant to get his family to a place where they would “bid farewell to God” in their lives. Yet, Job made sure he kept worshipping consistently by first “sacrificing regularly” (Job 1:5). Every day Job would offer a burnt sacrifice for each one of his children, praying that they would totally surrender their lives to God. As parents, we must continually “make sacrifices” that will bring our children closer to God. Try reading the Bible together or praying together and be sure to attend church regularly.

Secondly, we can build a strong family and faith by exhibiting an example of “Spiritual Maturity and Integrity.” The Bible says that Job was “blameless” or morally flawless. He not only worshipped consistently, but he also lived a great example before his family of a wife, three daughters and seven sons. That integrity showed up when things got “tough”. Job had been prosperous. He was in retail clothing (7,000 sheep), trucking business (3,000 camels), farming (1,000 oxen), and the grocery business (500 female donkeys – milk). When nearly all of his possessions were plundered and his family killed, Job fell to the ground in complete submission and total commitment to God and worshipped (Job 1:21-22). Building strong families in tough times means that we “model integrity” in 4

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

these tough times. Our children are watching how we respond in faith or a lack of faith when pressed by life’s circumstances.

Finally, we see how Job developed his families “Trust” in God during the tough times they faced.

Job teaches husbands and wives to “Discern Bad Advice” in tough times. Eliphaz, Bildad, Zophar, and Elihu all gave Job bad advice in his tough times, but Job avoided their condemnation and bad advice by holding firmly to God’s word (Job 6:10. Job also gave “Reasons for Trusting God” when God’s plans are beyond our understanding (Job 19:25-27). Job further thought to “Believe When Things Go from

Bad to Worst” (Job 23:8-11). We see that when bad things happen to good people we are told “Don’t Panic, Worship” (Job 1:21)! And the bottom line in tough times was that “Nothing Is Impossible with God!” “Eloah” is the Hebrew name for God used fifty-five times in the Old Testament, but out of those fifty-five times, Job uses this designation forty times, describing his faith in “God the Almighty,” that was the ground of his faith.

The Book You’re invited to witness the amazing musical drama, “The Book,” on Sunday, December 12.

Come and see as this timelss story of Christ’s entrance into the world is hared through a modern lens of real life situations depicting Christ’s relevance to our lives 2000 years later.

December 12 at 10:15am.

It All Happened in the Country Daniel and Chelsea, two city slickers, get stranded in the country and find out there is more to Christmas than the hustle and bustle of presents and decorations. With the help of Cora May, cousin Luther, Uncle Yule and Granny, they learn the story of Christ’s birth and how “It All Happened In the country”…the countryside of Bethlehem. Join Metro Kids on

December 5 at 10:15am.

Metropolitan Church of God 2800 Metropolitan Way Birmingham, AL 35243

205-795-4448

205-620-4400

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L i f e and H o m e s

www.Life and Homes .com

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December

• Residential • Commercial • Windows • Patio Doors • Showers

LifeandHomes.com

Open Market Listing Service™

Alabaster

$179,900 1120 Silver Creek Lane #348

Birmingham

3 Bedrooms / 2.0 Baths

0 Bedrooms / 0.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42282

For more details visit www.LifeandHomes.com Type in Quick Search #41905

Michelle Lagle • 205-369-8815

Linda J. Carroll • 205-915-3097

$299,000

3860 Guyton Road

Coldwell Banker Green & Co.

RealtySouth

Agent • michelle.lagle@coldwellbanker.com

Associate Broker • licarroll@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Alabaster

$89,900 1649 King James Drive, #22

Birmingham

2 Bedrooms / 2.5 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42186

For more details visit www.LifeandHomes.com Type in Quick Search #41903

Tarah B. Shoemaker • 205-401-8272

Linda J. Carroll • 205-915-3097

4309 Overlook Drive

Re/Max First Choice

RealtySouth

Agent • TarahShoemaker@aol.com

Associate Broker • licarroll@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Alabaster

$224,900

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Birmingham

$245,000

308 Wynlake Drive

$148,575 1447 River Walk Circle #52

5 Bedrooms / 3.0 Baths

3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42296

For more details visit www.LifeandHomes.com Type in Quick Search #42302

TMI Real Estate

RealtySouth-OTM-Acton Road

Kay Wallace • 205-966-0769

Becky Hicks • 205-533-4445

Agent • kwallace05@bellsouth.net

Realtor • beckyhicks@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

FIRST LIBERTY FINANCIAL MORTGAGE

205.332.5626 888.849.7888

3141 Lorna Road/Suite 102 Birmingham, AL 35216 www.firstliberty.net

Birmingham, AL

First Liberty Financial Mortgage is lending in your community with that big bank feel and local lender appeal. We offer a streamlined process with services such as Electronic Signature and in-house Underwriting, Processing and Funding.

Debra Cunningham Branch Manager NMLS#187959

Amanda Roberts Senior Mortgage Banker NMLS#222012

John Ball Senior Mortgage Banker NMLS#305362

Richard Diamond Senior Mortgage Banker NMLS#190698

• Specialized Programs to Fit Your Needs • In-House FHA/VA/Conventional Underwriting, Processing, and Funding

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L i f e and H o m e s

Ian Mills Assistant Branch Manager NMLS#202566

• 4.2 out of 5 stars with Lending Tree.com • Offer Guaranteed 10 Day Closing to Qualified Buyers

We also have the most up to date, web based loan origination system that allows you 24 hour on-line access to your loan information and status. Our dedicated, expert team of mortgage professionals takes pride in achieving unparalleled levels of service in the communities they serve.

Every member of the First Liberty team is committed to quality and excellence. Your satisfaction is our number one priority. Give one of our mortgage professionals a call today and begin the first steps in making your dream a reality.

First Liberty Financial Mortgage, LLC, Equal Housing Lender.

Credit and Collateral are subject to approval. Terms and conditions apply.

This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

6

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

Open Market Listing Service™ Hoover

LifeandHomes.com

$271,900

3774 Crossings Crest 3 Bedrooms / 2.0 Baths

Calera

S RE C A 4+

$435,000 466 Mountain Forest Trail 4 Bedrooms / 4.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41985

For more details visit www.LifeandHomes.com Type in Quick Search #42312

Linda Ford • 205-401-4565

Becky Hicks • 205-533-4445

RealtySouth-OTM-Acton Road

RealtySouth-OTM-Acton Road

Licensed RE Agent • lford@realtysouth.com

Realtor • beckyhicks@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Birmingham

$474,900

704 Heatherwood Drive 5 Bedrooms / 4.5 Baths

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Calera

$495,000 575 Mountain Forest Trail

S RE C 6A

4 Bedrooms / 3.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42297

For more details visit www.LifeandHomes.com Type in Quick Search #42313

TMI Real Estate

RealtySouth-OTM-Acton Road

Kay Wallace • 205-966-0769

Becky Hicks • 205-533-4445

Agent • kwallace05@bellsouth.net

Realtor • beckyhicks@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Cahaba Heights

$159,900 1320 River Walk Court #87

Crestline Park

3 Bedrooms / 2.5 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42185

For more details visit www.LifeandHomes.com Type in Quick Search #42286

Re/Max First Choice

Re/Max First Choice

Tarah B. Shoemaker • 205-401-8272

Tarah B. Shoemaker • 205-401-8272

Agent • TarahShoemaker@aol.com

Agent • TarahShoemaker@aol.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

TOMMurphy MURPHYRealty REALTY Tom Real Estate Professional of Birmingham, AL Irondale

3 Bedrooms/ 2 Baths

$121,900

House available. Owner still moving some items. Laundry closet in hall plus hook-up in garage. One end of bsmt separate and sheetrocked w/cabinets. One to 2 yrs ago new field lines, line between house and septic tank, water line, A/C motor.

Listing Agent: Sue Ann Myers - 205-988-5444/988-0741

MLS#478980

Altadena South

3 Bedrooms/ 2 Baths

$158,900

Listing Agent: Ann Hutchison - 205-365-9318

MLS#480528

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

205-988-5444 www.TomMurphyRealty.com

TMR

Clients are Number One Warrior

3 Bedrooms/ 2 Baths

$159,900

Beautifully updated ranch home with 3 acres of land located close to the interstate at the Blount Springs Garden City exit. This large (2,520 sf) home has been TOTALLY updated everything that could be done was done and it is ready to move into immediately.

Listing Agent: Eddy Harris - 205-492-6728

MLS#471709

Alabaster

5 Bedrooms/ 3 Baths

$245,000

TONS OF SPACE - $30,000+/- below tax value!! This well kept, all brick home features hardwood, tile & carpeted flooring, fresh paint inside, & an open floor plan. Half of basement is unfinished & provides great storage, or finish it for extra living space.

Listing Agent: Sybil Owens - 205-960-0871

December

OAK MOUNTAIN SCHOOLS - This 3 bedroom 2 bath home is just waiting for you. Make your appointment today to see it!

Close to Shopping

$129,900

512 Bonnie Bell Lane

MLS#482864

■

3 Bedrooms/ 2 Baths

$134,900

This home qualifies for a USDA Rural Housing Loan…No downpayment or closing costs for Qualified Purchasers. Low Maintenance Vinyl Exterior, Att. 2 Car Gar with painted floor and finished walls, Attractive Split Bedroom Plan, and much more!

Listing Agent: Sandra Norris - 205-266-5515

MLS#475918

Investors Wanted Corporate Owned Properties

Call 205-988-5444 www.Life and Homes .com

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L i f e and H o m e s

Vance

* Dress up older pieces with new cushions and pillows in eye-catching colors and patterns. A fresh pop of color can draw the eye away from less attractive surfaces. * If your furniture is just too tired-looking and replacing it is not in the budget, consider concealment. Slip covers and colorful throws are cost-effective ways to refresh older couches, loveseats, dining room chairs, armchairs and even recliners. Choose ones that accentuate your holiday theme, such as "Snowball" slip covers that offer a plush feel and bright colors in a material with a raised, snowball-like pattern.

Walls

Easy Decor Upgrades to 'Wow' Holiday Guests Will this year's holiday house guests be seeing the same drapes, throw pillows and wall decor they saw in your home last year? Or even the year before that?

If your decor is looking tired - or you're just plain tired of it - the holiday season is a good time to gift yourself with a few new items that will also refresh your home for guests. It's easy to make a big decorating impact if you focus on sprucing up areas like windows, furnishings and walls.

Consider these helpful hints:

Windows

The cheapest, most high-impact way to make windows look better is to wash them. Seriously.

For the price of a roll of paper towels and some window cleaner - and some elbow grease - you can make your windows look great, not to mention brighten the entire room.

Birmingham, AL

Once your windows are sparkling, reward

In the Market for a

Foreclosed Property?

yourself for your hard work with some new window treatments. If the holiday hustle and bustle leaves little time for a run to the home decor store, online resources like SeventhAvenue.com make it fast and easy to shop for curtains.

Whether you opt for traditional or contemporary, replace curtains in rooms where guests are most likely to gather, such as the kitchen, living room or family room. To top off the holiday spirit of your new curtains, replace standard tie-backs with some festive holiday bows.

Furnishings

Replacing every stick of worn-looking furniture in your home's "public areas" probably isn't practical for your budget with the expenses of the holiday season looming. But you can refresh the furniture you have with a few simple steps: * Make sure it's clean. Polish wood surfaces and vacuum upholstery. Dust and dirt will never be a designer statement.

COOLBOX P R I V A T E

TM

S T O R A G E

Painting walls is a low-cost, low-labor way to refresh a room's atmosphere and set the stage for a whole new look - even if you just put the same furniture back into the freshly painted room.

Giving walls a fresh coat of paint is well within the capabilities for most do-it-yourselfers, but if you've never painted before or are hesitant to take on the project just before the holidays, there are other ways to liven up your walls.

Changing wall decor can be fast, effective and fun.

Sometimes simply moving a well-loved piece of art from one room to another is enough to make you see the piece - and the room - in a new light.

Or, if you crave something new without the hassle of in-store shopping during the holiday season, you can find wall decor from framed art and mirrors to wall hangings and tapestries online.

The holidays and their hectic pace may make it hard to fight your own fatigue, but you don't have to face the season - and all your house guests - with tired home decor. A few simple, cost-effective upgrades can make your home bright again this holiday season. (ARA)

Woody Woodfin 26 Years Mortgage Lending Experience Meeting Customers’ Needs Making a Difference First Federal Mortgage

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L i f e and H o m e s

Walls are usually the largest design element in any room, and updating them can completely rewrite the profile of a space.

bhamforeclosures.com Your key to foreclosed properties!

50 Gilbert Drive Alabaster, AL 35007

205.685.0244 Your “One Stop Shop” for buying foreclosures - AND it’s FREE! 8

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

sales@coolbox.com www.coolboxprivatestorage.com

205.229.2877 wwoodfin@1stfed.com

www.1stfedmortgage.com/officers/wwoodfin.php EQUAL HOUSING LENDER

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www.Life and Homes .com

9

L i f e and H o m e s

Motivated Movers 995-7585

LifeandHomes.com Helena

Open Market Listing Service™ Hoover

$139,900

5159 Lake Crest Circle

3 Bedrooms / 2.0 Baths

7 Bedrooms / 6.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42322

For more details visit www.LifeandHomes.com Type in Quick Search #42319

Colleen Black • 205-677-8696

Colleen Black • 205-677-8696

Keller Williams Alabaster

Keller Williams Alabaster

Lic. R. E. Agent • Colleen@theblackteam.com

Lic. R. E. Agent • Colleen@theblackteam.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Helena

$117,900 1459 Amberley Woods Cove 3 Bedrooms / 2.0 Baths

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

ED UD L C SE

$489,900

5642 Double Oak Lane 5 Bedrooms / 4.0 Baths For more details visit www.LifeandHomes.com Type in Quick Search #42323

Linda J. Carroll • 205-915-3097

Colleen Black • 205-677-8696

Keller Williams Alabaster Lic. R. E. Agent • Colleen@theblackteam.com

Associate Broker • licarroll@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Homewood

Hoover

$289,900

$169,000

215 W Linwood Drive

2320 FarleyTerrace

3 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41981

For more details visit www.LifeandHomes.com Type in Quick Search #42190

RealtySouth

RealtySouth-OTM-Acton Road

Linda J. Carroll • 205-915-3097

Linda Ford • 205-401-4565

Associate Broker • licarroll@realtysouth.com

Licensed RE Agent • lford@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Hoover

Hoover

$154,900

$535,000

4241 Ashwood Cove

1073 South Lake Cove

2 Bedrooms / 2.0 Baths

4 Bedrooms / 4.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42318

For more details visit www.LifeandHomes.com Type in Quick Search #42317

RealtySouth-OTM-Acton Road

JC Development

Becky Hicks • 205-533-4445

Van Anderson • 205-837-1912

Realtor • beckyhicks@realtysouth.com

Owner • im38super@gmail.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Hoover

Hoover

$299,900

$349,999

3593 Tall Timber Drive

307 Great View Circle

4 Bedrooms / 2.0 Baths

6 Bedrooms / 4.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42320

For more details visit www.LifeandHomes.com Type in Quick Search #42315

Keller Williams Alabaster

RealtySouth-OTM-Acton Road

Colleen Black • 205-677-8696

Becky Hicks • 205-533-4445

Lic. R. E. Agent • Colleen@theblackteam.com

Realtor • beckyhicks@realtysouth.com

Birmingham, AL

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

New homes in Hoover Starting at $239,900 Compare the Value Four sides brick, irrigation systems, granite counters, tile showers, garden tubs, gas fireplaces, tile, hardwoods, two-car garages, Hoover schools.

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L i f e and H o m e s

Hoover

For more details visit www.LifeandHomes.com Type in Quick Search #41904

RealtySouth

BO FS

$679,000

1978 Riva Ridge Road

Contact Kyle Forstman

205.441.6031 www.newcastle-homes.com 10

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

December â–

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11

L i f e and H o m e s

Birmingham, AL â–

L i f e and H o m e s

12

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Open Market Listing Service™

LifeandHomes.com

Hoover

$569,900 4774 Southlake Parkway

Hoover

4 Bedrooms / 4.5 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42311

For more details visit www.LifeandHomes.com Type in Quick Search #42298

Becky Hicks • 205-533-4445

Linda Ford • 205-401-4565

RealtySouth-OTM-Acton Road Realtor • beckyhicks@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Hoover

$279,900

$284,900

3236 Crossings Drive

RealtySouth-OTM-Acton Road Licensed RE Agent • lford@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Hoover

5928 Waterscape Pass

$57,900 2829 Georgetown Road #C

4 Bedrooms / 2.5 Baths

1 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42310

For more details visit www.LifeandHomes.com Type in Quick Search #42300

RealtySouth-OTM-Acton Road Becky Hicks • 205-533-4445 Realtor • beckyhicks@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

RealtySouth-OTM-Acton Road Linda Ford • 205-401-4565 Licensed RE Agent • lford@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Hoover

$479,900 5176 Crossings Parkway

Hoover

4 Bedrooms / 4.0 Baths

3 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42208

For more details visit www.LifeandHomes.com Type in Quick Search #41979

Linda Ford • 205-401-4565

Pat Morgan • 205-531-8157

RealtySouth-OTM-Acton Road Licensed RE Agent • lford@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

$395,000 5252 Crossings Parkway

RealtySouth-OTM-Acton Road Licensed R.E. Agent • jmpmorgan@aol.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

December ■

www.Life and Homes .com

13

L i f e and H o m e s

LifeandHomes.com

Open Market Listing Service™

Hoover

$399,000 1614 Fairway View Drive

ver

5 Bedrooms / 4.5 Baths

me ho wn o T

Hoo

For more details visit www.LifeandHomes.com Type in Quick Search #41976

Ginger Sherrill Bryant • 205-999-0752

Licensed R.E. Agent • jmpmorgan@aol.com

Agent • alrealtor@hotmail.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Hoover

$381,800 5188 Crossings Parkway #429

Hoover

3 Bedrooms / 2.0 Baths

3 Bedrooms / 3.0 Baths

$259,900 2149 Partridge Berry Rd.

For more details visit www.LifeandHomes.com Type in Quick Search #41977

For more details visit www.LifeandHomes.com Type in Quick Search #42273

RealtySouth-OTM-Acton Road

TMI Real Estate

Pat Morgan • 205-531-8157

Jan Rikard • 205-223-1234

Licensed R.E. Agent • jmpmorgan@aol.com

Agent • janicebrikard@gmail.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Hoover

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

$154,900

5314 Cottage Lane

Acres + 3

3 Bedrooms / 2.0 Baths For more details visit www.LifeandHomes.com Type in Quick Search #42275

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Hoover

$256,900 2706 Russet Crest Circle

Mountain Brook

4 Bedrooms / 2.5 Baths

2 Bedrooms / 2.5 Baths

$349,900 149 Mountain Brook Park Drive

For more details visit www.LifeandHomes.com Type in Quick Search #42276

For more details visit www.LifeandHomes.com Type in Quick Search #42177

TMI Real Estate

LAH Homewood

Carol D. Hyatt • 205-908-2191

Scott Smithson • 205-937-5347

Agent • carolhyatt@bellsouth.net

Licensed Realtor • ssmithson@lahrealestate.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Hoover

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Pelham

23 The Oaks Circle #23

$330,000

$119,900 2225 Williamsburg Drive

4 Bedrooms / 3.5 Baths

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42269

For more details visit www.LifeandHomes.com Type in Quick Search #42189

air conditioning and copper from theft with one of our Ginger Sherrill Protect Bryantyour • 205-999-0752

Linda J. Carroll • 205-915-3097

TMI Real Estate Agent • alrealtor@hotmail.com

Birmingham, AL

cages. Bar and mesh style available. Cage tilts allowing for service Bank of America Home Loans • Free access to Pre-Approval A/C unit. • 205.967.0585

Equal Housing Lender • Member FDIC

Dependable & Reliable • Steel Fabrication

■

3 Bedrooms / 2.5 Baths

Realtor • beckyhicks@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

L i f e and H o m e s

6682 Lou George Loop

Becky Hicks • 205-533-4445

Agent • carolhyatt@bellsouth.net

• Ornamental Iron Fencing • Gates • Garden Arbors • Mail Box Posts • Custom Furniture

RobinConstructionLLC.com 14

$314,000

RealtySouth-OTM-Acton Road

Carol D. Hyatt • 205-908-2191

PO Box 25 Wilsonville, Alabama Phone 205-515-4715

McCalla

For more details visit www.LifeandHomes.com Type in Quick Search #42314

TMI Real Estate

ver

2 Bedrooms / 2.5 Baths

TMI Real Estate

Pat Morgan • 205-531-8157

Hoo

$207,500

4564 Lake Valley Drive For more details visit www.LifeandHomes.com Type in Quick Search #42268

RealtySouth-OTM-Acton Road

me ho wn o T

Hoover

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

115 Commerce Drive Pelham, Alabama 35124

205.663.4200 Let Us Protect Your Most Valuable Assett

Your Home!

Our highly trained technicians provide professional and courteous termite and pest control services for both residential and commercial customers.

RealtySouth

Associate Broker • licarroll@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

REVERSE moRtgagE Use a Reverse mortgage to buy your next home or convert Equity in your home into Cash!

Scott Underwood

205.908.2993

Reversemortgagealabama.com

248 Inverness Center drive hoover, al 35242

SEnIoRS 62 and UP Supplemental Income StoP Foreclosure Federally Insured no credit or income required

205.985.1010

4524 Southlake Parkway, Suite 16 Birmingham, AL 35244 Hoover

www.homerentsource.com

$1,150

1727 Mountain Laurel Lane

Spacious two bedroom two and one half bath townhome in Riverchase for rent. Features large deck, two car attached garage with work space, spacious bedrooms, ďŹ replace, and kitchen that opens into living area.

Maylene

114 Paddington Station

$1,000

Fantastic Two Bedroom Two Bath End-Unit Townhome in Swim Community for Rent. Rent price includes use of refrigerator, stove, dishwasher, washer, dryer, lawnmower and weed eater.

Enjoy a view of the lake from the deck while soaking in the jetted hot tub. Entertainment and amenities are found under one roof with a media center, wet bar, fully equipped exercise room, tanning room, & pool table.

Sylacauga

66 Riverview Lane

$850

This charming lake front home features, deck that extends entire width of the cottage, with screen porch on the side. All the luxury of home, with satellite TV, phone, picnic table, pier.

Need to Rent your Home?

Call Us Today! 205-243-9585 or Email Us- kefurlow@yahoo.com Visit our Website:

www.homerentsource.com Specializing in Over the Mountain, South Jefferson and North Shelby County www.Life and Homes .com

15

L i f e and H o m e s

130 Little John Circle

$850

Lake Run Drive

â–

Calera

$3,750

December

Four-sided stunning brick home in Sterling Gate subdivision for rent. Features large great room with vaulted ceilings and fireplace. Masterbedroom features tray ceilings, master bath w/ garden tub, stand-up shower and large walk-in closet.

Vestavia Hills

LifeandHomes.com m

me ho wn o T

Pelha

Pelham

Open Market Listing Service™ Vestavia Hills

$138,500

138 Hayesbury Lane 2 Bedrooms / 2.0 Baths

4 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42271

For more details visit www.LifeandHomes.com Type in Quick Search #42306

Ginger Sherrill Bryant • 205-999-0752

Becky Hicks • 205-533-4445

RealtySouth-OTM-Acton Road

TMI Real Estate

Realtor • beckyhicks@realtysouth.com

Agent • alrealtor@hotmail.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

m

Pelha

me ho wn o T

Pelham

w

$134,900

163 Hayesbury Court

Vie Golf

2 Bedrooms / 2.0 Baths

Course

$999,000

2209 Southwood Road 4 Bedrooms / 4.0 Baths For more details visit www.LifeandHomes.com Type in Quick Search #42309

Ginger Sherrill Bryant • 205-999-0752

Becky Hicks • 205-533-4445

Agent • alrealtor@hotmail.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Trussville

$215,000

3608 Cedar Creek Circle

RealtySouth-OTM-Acton Road Realtor • beckyhicks@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Vestavia Hills

$189,000

1913 Highfield Drive

3 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42274

For more details visit www.LifeandHomes.com Type in Quick Search #42304

TMI Real Estate

RealtySouth-OTM-Acton Road Becky Hicks • 205-533-4445

Jan Rikard • 205-223-1234

Realtor • beckyhicks@realtysouth.com

Agent • janicebrikard@gmail.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Vestavia Hills

Vestavia Hills

2 Bedrooms / 2.0 Baths

4 Bedrooms / 3.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42303

For more details visit www.LifeandHomes.com Type in Quick Search #42308

$169,000 1853 Rockwood Road #1853

RealtySouth-OTM-Acton Road Becky Hicks • 205-533-4445 Realtor • beckyhicks@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Vestavia Hills

$240,000

$375,000

2816 Abingdon Parkway

RealtySouth-OTM-Acton Road Becky Hicks • 205-533-4445 Realtor • beckyhicks@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Vestavia Hills

$339,000

3970 Christopher Drive

3449 River Terrace Dr

3 Bedrooms / 2.0 Baths

4 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42305

For more details visit www.LifeandHomes.com Type in Quick Search #42307

RealtySouth-OTM-Acton Road Becky Hicks • 205-533-4445 Realtor • beckyhicks@realtysouth.com

Birmingham, AL

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Thinking of Buying or Selling?

Contact Me Today Professional Advice, Knowledge and Service

■

L i f e and H o m e s

Vestavia Hills

For more details visit www.LifeandHomes.com Type in Quick Search #42272

TMI Real Estate

Becky Hicks

Licensed Realtor 205.533.4445 RealtySouth Over The Mountain – Acton Road beckyhicks@realtysouth.com 16

$319,900

208 Shades Crest Circle

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

RealtySouth-OTM-Acton Road Becky Hicks • 205-533-4445 Realtor • beckyhicks@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Dreaming of a

'Green' Holiday It might feel like the holiday season is still eons away, but think again. Do you have your decorating, entertaining and gifting plans in place? If you're looking for ideas and inspiration, why not think green this year?

This isn't just about holiday garlands, trees and wreaths. This is the eco-friendly and sustainable kind of green. And keep in mind that going green for the holidays doesn't mean being boring - you can incorporate all the glitz and glam of the season and still help the environment. Here's how:

Eco-friendly fresh face If you're looking to perk up tired rooms before holiday guests arrive, nothing changes the look of a space more dramatically and cost effectively than a fresh coat (and color) of wall paint. Dutch Boy's no-VOC Refresh Interior Latex paint fits the eco-friendly bill without sacrificing quality, an extremely important benefit. It even goes one step further - thanks to its innovative formulation featuring exclusive Arm & Hammer odor-reducing technology, Refresh captures, removes and locks common household airborne odors into the paint's film.

Rest assured, it will keep your house smelling fresh throughout the holiday season and beyond.

Twinkling lights Forget the old, energy-hogging incandescent indoor and outdoor holiday lights. Think LED instead.

Strands made from light-emitting diodes are up to 90 percent more efficient than traditional holiday lighting. According to the Department of Energy, the best white LEDs have been found to have a useful life of about 35,000 hours, or four years, of

continuous operation. What's even better: You won't face the trauma of an entire strand blowing if one bulb dies. On LEDs, when one light goes out on a string, the others stay lit.

Sustainable sentiments Americans purchase seven million greeting cards each year. Out of seasonal card sales, which account for half of total sales, 60 percent of these cards are Christmas cards. Imagine the number of trees it takes to produce that many cards each year, not to mention how much waste reaches landfills when the cards get tossed.

Send cards printed on recyclable paper with ecofriendly inks instead of traditional cards. Or better yet, take the plunge and embrace electronic greetings: send your holiday wishes to friends and family via the Internet. While old-school Emily Post-types might not quite approve of this method just yet, your environmentally minded loved ones will thank you - and so will our forests.

Smart gifting The option to add an eco-friendly twist to holiday gifts is on its way to becoming limitless. With so many environmentally friendly products on the market, it's easy to find a gift that's thoughtful, useful and sustainable.

Linda Carroll

It's not hard to make even small changes and go green for the holidays. By doing so, you'll be helping the environment and still be able to deck those halls in style. The two no longer are mutually exclusive. It truly is possible to make your holidays both sustainable and spectacular. (ARA)

WM Mortgage is a full service mortgage company with the

ability to serve every need. Whether you are a first time

homebuyer, have credit that does not meet other lender’s a foreclosed property, we can help.

Please call Eileen Rattiner Carter or any of our professionals at

(205) 383-1966 Apply online at www.WMmortgageLLC.com

Family of Services

$175,000

Linda Ford 401-4565 Pat Morgan 531-8157

www.Life and Homes .com

17

L i f e and H o m e s

guidelines, want to buy a USDA home or are interested in

“Firefly”

A Gated Community on Beautiful Lake Wedowee.

Introductory Lot Prices Starting at

■

Whether you are ready to sell your home, are a first-time home buyer, a senior ready to downsize, or an investor, I have the knowledge and experience to help you. Pelham has been my home for over 20 years and I look forward to working with you.

If you decide to completely go green and skip material gifts completely, give one from the heart by making a donation of your time and money in honor of the recipients at their favorite charities where many people can benefit from your generosity.

December

Email: licarroll@realtysouth.com Web: LindaCarrollRealtor.com www.RealtySouth.com

Another option is to make your own gifts - knit a scarf, bead a bracelet, bake a batch of goodies, get crafty with found items around your house. If you're not creative, there are plenty of websites where you can buy handmade items from artisans in the United States or even abroad (be sure to look for fair-trade websites, if you buy from overseas, particularly from developing countries).

Live on the lake year-round!

Associate Broker ABR, SFR, SRES, RSPS, E-PRO

Cell: 205.915.3097

If you do decide to buy gifts at a bricks-and-mortar store, why not consider buying local and visit that charming boutique you keep saying you want to check out? Most of the time, these shops carry items from local vendors. They also tend to offer many handmade and/or eco-friendly products.

Shopping local keeps money in your community and keeps small business owners thriving.

Holiday Gifts for DIY Guys and Gals If you're gift-shopping for a do-it-yourselfer this holiday season - whether a seasoned pro, or someone learning to become handy around the house tools are always appreciated gifts. Practical, yet fun, there are a number of tools every guy or gal should have in their toolbox to make home improvement or hobby projects a success. Plus, there are a few hot items that every tool fan is lusting over this year.

"My No. 1 piece of advice before starting any project is to make sure you have the right tools," says Brian Benes, Dremel product manager. "You'll get better results and the project will be much more enjoyable.

You never know when a project could pop up, so a well-stocked toolbox is a tremendous asset."

Visit your local hardware store or home improvement center to scoop up these holiday must-haves:

* A basic hammer and a set of screwdrivers in various sizes. From hanging pictures, to fixing a loose table leg, these tools are always in demand.

Be sure to include an assortment of nails and screws to complete the package. * Various sizes and types of clamps. You can never find enough uses for them, and frequently need to use multiple clamps at once. * An oscillating tool designed for DIY use. Oscillating tools are hot this holiday season and a great asset for repair, remodel and restoration work. From making cuts in awkward places to removing bathroom grout or tub caulking, they are a versatile and convenient tool to have on hand. Pick one that offers a high level of performance without the professional price tag, such as the Dremel Multi-Max - either corded or cordless.

1.800.341.5543

“We will beat anyone’s price!”

L i f e and H o m e s

■

Birmingham, AL

Eco-friendly pest products on request

18

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

* A rotary tool. Rotary tool recipients will continue to be amazed at the amount of tasks this compact, multi-purpose tool can tackle, including carving, routing, engraving, grinding, sharpening, cutting, cleaning, polishing and sanding. The Dremel brand invented the rotary tool more than 75 years ago, and still offers the biggest tool and accessory selection. * A quality tape measure. From home improvement projects to body measurements, there are limitless uses for a tape measure.

* A pair of lineman's pliers. Equipped with a gripping joint, cutting edge and insulated handle grips, they can be used for gripping small objects or to cut and bend wire and cable. They come in particularly handy for working with electrical cables, as the insulated handles reduce the risk of shock.

For more holiday gift ideas for the DIY guy or gal, including hot new "must-haves," visit www.dremel.com. (ARA)

Realtor O - 205.985.1010 C - 205.999.0752 alrealtor@hotmail.com 4524 Southlake Parkway, Suite 16 Birmingham, AL35244

2711 Mamie Foster – Homewood, AL 35209

205.871.8500 sullivanpest@yahoo.com

* A set of pencils. While it sounds mundane, pencils come in handy for nearly every project, whether cutting a straight line, tracing a circle, or marking where a nail will be inserted into a wall. Pencils make a great stocking-stuffer, and can even be customized with the recipient's name.

* A compact, cordless drill. A handy tool for driving screws or making holes - 14V or 18V is great for the average homeowner.

Ginger Sherrill Bryant, GRI Bonded & Insured Termite & Pest Control, Inc.

* A torpedo level. An essential tool if you don't want your new books falling off your new bookshelf.

Torpedo levels often contain more than one liquid vial for checking more than one angle at a given time.

www.TMIRealEstate.com

Little Italy’s Pizza Mon-Sat 11am-9pm• Sun 11am-8pm

December Specials - Medium Specialty $9.99 Large Specialty $11.99 Free Helena Delivery with Orders of $15.00 Daily Lunch Buffet - Homemade Pizza

A Slice Above the Rest

664-9999

December â–

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19

L i f e and H o m e s

BRBC

Construction

Building Relationships Building Confidence

Birmingham, AL

Commercial Residential Additions New Construction Tenant Improvements Alterations/Renovations

L i f e and H o m e s

â–

David A. Sherrod

205-313-9280 www.BRBCLLC.com 20

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Let BRBC Open the Door to your

Dream Home

Happy Holidays from

BRBC