Service Areas
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Talladega
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Jacksonville
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Anniston
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Oxford
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Alexandria
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Weaver
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Heflin
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Lincoln
〰️ Talladega 〰️ Jacksonville 〰️ Anniston 〰️ Oxford 〰️ Alexandria 〰️ Weaver 〰️ Heflin 〰️ Lincoln
Whats your home worth….
“Closing should be fun & exciting!
”
I put you…and the sign…in the front!
Nicole Kelley
Hi, I’m Nicole — a local real estate agent and Associate Broker with over 10 years of experience helping people buy and sell homes in Oxford, AL and the surrounding areas.
Real estate isn’t just my career—it’s personal. Whether you’re buying your first home, selling your current property, or navigating something more complex like a foreclosure, estate sale, or new construction, I’m here to make sure you feel confident every step of the way.
As a seasoned Real Estate expert, I stay on top of current market trends, local regulations, and national real estate policies to protect my clients and provide clear, informed guidance. I believe in honest communication, strong relationships, and showing up when it counts.
If you’re thinking about selling your home, investing in real estate, or just want to explore your options with someone who genuinely is genuinely in your corner
—let’s talk.
No pressure, just real advice from someone who knows this market inside and out.
FAQs
Sellers
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This is not something we recommend. We will pull market pricing for your home and included in our services. An appraisal can cost $450+. If your buyer is financing their lender will order and appraisal and that appraisal is what they will go by. Your appraisal will hold no value.
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We are commission based so we get paid once we have brought a ready, willing, and able buyer to the table. Our commission is typically paid on closing day out of proceeds from the sale of your home. There are no up front charges.
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This is optional. Alabama is a buyer beware state so it is up to the buyer to inspect the home and find any defects.
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An appraisal is designed to determine value of your property and bank appraisals have to check for health and safety hazards. These are typically minor repairs that are visible. (Peeling paint, missing railings, wood rot etc. A home inspection is a thorough inspection of the entire house checking all main components and latent defects not visible upon looking at the home.
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Talk to us! This is a team effort and we are always willing to work with you. Just remember when we pull numbers for pricing we are using comparable properties that have recently sold as well as judging our competition. If we go too high, your home could sit on the market for a long time or possibly not sell. There is even a chance that the appraisal can come in low. description
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We do tons of marketing and consistently make changes to your listing throughout the process to keep it fresh and not let it go stale. So, when a home is taking longer to sell than we feel it should, we may suggest a price drop. A few factors play into this decision. We consistently keep track of feedback from showings, we watch for homes selling lower (in a market shift the key is to stay in front of the shift) , and we judge the amount of showings. This tells us if we are competitive or missing the mark. Sometimes a unique property will just take longer to sell, in general.
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Listing for only cash or conventional sales can really limit your buyer pool because it takes more money down. As you know it is tough to find people who have put back a large amount of money. In addition, due to the repairs needing to be completed, these sales usually result in investors being interested which results in a lower offer. We can help you judge what type of financing would be the best for your home and we will discuss this with you.
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We will have you get a 10 day payoff letter prior to closing. Since you have a mortgage on your home, it does not have clear title until the current mortgage is paid off. Our closing attorney will overnight your payoff to the mortgage company out of proceeds so you don’t have to worry with it.
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Absolutely! Now this can be a little stressful but we do it all the time. We typically set both closings up on the same time on the same day. We refer to these as "back to back closings". It can be stressful because you give possession the same day you close. So we will see you at closing with your U-Haul. (unless we have made other arrangements for possession)
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We have helped many clients that we have never even met in person. They have mailed the keys, we handled all of the footwork, and they e-signed all documents thru the process. Our Atty can set up a power of atty so we can sign for you at closing. But only after you have reviewed and approved the final numbers. We are working as your agent on your behalf and our loyalties lie with you only.
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Our number one goal is to have a great relationship. If we are doing, or not doing, something and you are not happy, please don’t be afraid to let us know. Client satisfaction is very important to us. We always want you to be able to talk to us . We won’t talk to you everyday because marketing a property does take some time. Everything we do takes time too, because we look at everything from multiple angles before we act to make sure it is beneficial.
Buyers
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Yes — this is one of the most important first steps! Getting pre-approved not only tells you what you can afford, but it also shows sellers you’re serious. It makes the whole process smoother and gives you a clear budget to work with.
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Depending on your loan type, many buyers qualify for loans with as little as 3–5% down. Some loan programs (like VA or USDA loans) don’t require a down payment at all. I’ll connect you with trusted lenders who can walk you through your options.
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That’s when the fun starts — we go house hunting! I’ll set you up with personalized listing alerts so you can see new homes the minute they hit the market. Once we find “the one,” I’ll guide you through making an offer.
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Closing costs are the fees you pay at the end of the transaction to finalize your loan and officially make the home yours. They usually cover things like the appraisal, title work, attorney fees, and lender charges. Prepaids are a little different — they’re upfront costs for things you’ll need as a homeowner, like property taxes, homeowners insurance, and interest that gets paid ahead of time. I’ll make sure you know what to expect before we ever get to the closing table.
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From offer to closing, most transactions take about 30–45 days. This timeline can vary depending on financing, inspections, appraisals, and the terms of your purchase agreement — but I’ll keep you updated every step of the way so you’re never left guessing.
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Don’t be afraid to ask questions — no matter how small they seem. Buying a home is a big deal, and it’s normal to feel overwhelmed at times. Lean on me for guidance, trust the process, and remember: you don’t have to figure it out alone.
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It really depends on what’s important to you, but I always remind my buyers... You can change the paint, flooring, or countertops — but you can’t change the layout or the lot. When you known what is important for your home to have, you can focus on the things that truly matter long-term.
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100%. The final walkthrough is your chance to make sure the home is in the condition you agreed to buy it in. We’ll make sure that everything’s in working order, and that the seller hasn’t left behind surprises (good or bad). It’s the last step before you sign, and it gives you peace of mind walking into closing.
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Almost every inspection finds something — that’s normal. The important thing is, you’re protected by your home inspection contingency. That means if major issues come up, we can request repairs, ask for a credit, or even walk away if it’s more than you’re comfortable with. The inspection isn’t about making a home “perfect” — it’s about making sure you know exactly what you’re buying and giving you options if something unexpected shows up. It’s one of the best safeguards you have as a buyer.