Pamela Holt 4050 Helton Drive Suite 302 Florence, AL 35630
Phone: 256-766-0000 Mobile: 256-762-8756 Email Pamela

Shoals Area Home Search


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Listings By Map


Please use the hand tool to navigate the map by clicking and dragging, the grid on the left to adjust your level of zoom, and the buttons in the top right to toggle between map view, satellite imagery view, and hybrid view.

Click on any listing to view photos and listing details.

Filter Results

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Listing Details

Click a house on the map to view the listing summary

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Calculators


Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.

 

Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

 

Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43% of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $
Results
  Receive this Detailed Analysis

Your Monthly Payments
 
Loan Amount:
Loan Insurance (%):
Total Loan (Mortgage) Amount:
 
Principal & Interest:
Homeowners Insurance:
Property Taxes:
Condo Fees:
Monthly Loan Insurance (%):
Total Monthly Payment:
Income Needed to Qualify for the Mortgage
Total Monthly Loan Payment:
Total Monthly Debt Payment:
Monthly Loan Insurance (%):
Qualifying Income of % GDS Ratio:
Qualifying Income of % TDS Ratio:
What You Can Afford
We are using the % ratio.
Cost of House:
Down Payment:
Loan Value:
Monthly Principal & Interest:
Monthly Insurance:
Monthly Property Tax:
Monthly Condo Fees:
 
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Renting
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
 
Owning
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %

Request Home Evaluation


 


Please complete and submit the following Online Home Evaluation form. The more information given, the more accurate the evaluation. All information you provide is secure and will be kept strictly confidential.

To provide a more detailed Comparative Market Analysis, we would be more than happy to also assess your listing in person.

 

   
First Name: 
Last Name: 
Email: 
Phone: 
Address: 
Postal/Zip Code: 
Year Built: 
Size: 
Bedrooms: 
Bathrooms: 
Has Suite: 
Garage: 
 
 
Basement Type: 
Development:
Notes: 
Please describe any special features and recent upgrades.
(e.g. age of carpet & lino, type of kitchen cabinets, property backs park, major renovations in recent years)
* * Maximum of 1000 characters

When are you planning to move?

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Required Field

 




Advanced Home Search


Never Miss The Perfect Home Again!

Here's your chance to be notified of all new listings that meet your criteria, absolutely FREE! Please complete and submit the form below.

Not only will you be notified by email of all new listings that match your search criteria within our system, but your home search will also be compared against other participating agents' listings within your desired area(s). All new listings added to system that match your criteria will be emailed to you.

Note: Our home search form lets you create and save multiple Home Search profiles. You may update these profiles or cancel at anytime.


Step 1 - Enter Personal Information
First Name: 
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Email: 
Phone: 
Address 1: 
Address 2: 
Address 3: 
City: 
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State/Province: 
Zip/Postal Code: 
Step 2 - Enter Search Details
 
Price low: 
  USD
Price high:    USD
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Status: 

Types: 
Locations:   
Wish List:  Please describe below any additional desired features.
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Feedback Form



Whether you are planning to buy your first home or sell your existing home, contact us today! 

We'd love to hear from you!

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Address 1: 
Address 2: 
Address 3: 
City: 
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State/Province: 
Zip/Postal Code: 
Step 2 - Enter Search Details
 
Price low: 
  USD
Price high:    USD
Bedrooms: 
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Status: 

Types: 
Locations:   
Wish List:  Please describe below any additional desired features.
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Buying Services for Florence Home Buyers


 

Buying a home is a big decision - one that I would love to help you with! The articles and resources on this page are complimentary and part of the many services I offer.
 
To search for homes that match your specific criteria, please fill out the form below. You will also be notified by email of any new homes that are added.
 
Please contact me if you have any questions about buying a home in Florence or elsewhere in Alabama.

Resources


But Do You Need It?

The Right Home at the Right Price

Buying Your First Home

Avoid Common Buyer Errors

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