alb_homes_0918_Layout 1 09/16/16 6:37 PM Page 6
6C • SUNDAY, SEPTEMBER 18, 2016
albanyherald.com
Outdoor Rooms Help Expand Homes (NewsUSA) - If the economic downturn means a new house isn't realistic right now, consider adding an outdoor room to your home. You can extend your kitchen, expand the family room, create a meditation place -- the possibilities are endless. The best part? There's no need to take out a second mortgage, because you can do it yourself. "Most do-it-yourselfers will find that a brick patio is less expensive than a comparably sized wood deck -- and there is much less upkeep," said Laura Schwind, a registered landscape architect for Pine Hall Brick, America's largest manufacturer of genuine clay pavers. To get started, place your outdoor furniture, the grill, kids' toys, and other objects that you will want on the patio in the area of the proposed patio. Outline the area with a garden hose to see how much square footage you will need. You'll also need to choose a pattern, keeping in mind that some patterns require more cuts than others.
An outdoor patio can help expand your existing home without requiring another mortgage.
To install, dig approximately eight inches down and six inches out beyond the area you will pave. Slope the soil about one-quarter inch per foot to allow for proper drainage.
Put down four inches -- eight inches for driveways -- of crusher run gravel, and compact it well with the tamper or plate compactor. Lay down two lengths of one-inch PVC pipe, parallel to each other and several feet apart. Cover the pipes with concrete sand, which is course and jagged, then use a board across the top of the pipes to screed the sand level.
Next, tamp the soil down with a hand tamper or a vibrating plate compactor.
Remove the pipes, and use a trowel to fill and smooth the voids. Lay the pavers in place. Then,
LAKE BLACKSHEAR 334 Scenic Rt. Main Lake Views! 4BR 3BA On An Acres Lot, Mother In Law Suite, Sunroom, Seawall $440,000 Call Allan 886-2828
LAKE BLACKSHEAR 154 Spring p g Creek
85 Feet On The Water a , Excellent Location! 2 BR, 1.5 Baths, Dock, Seawall $269,000 Call Allan 886-2828
For more information on do-it-yourself home improvement projects using brick pavers, contact Pine Hall Brick at 1-800-334-8689 or visit www.pinehallbrick.com.
Excellent Location In Worth County, 2 Bedroom, Sunroom, Dock / Boathouse $225,000 Call Allan 886-2828
LAKE BLACKSHEAR 496 Lakeshore Way y Lake Blackshear Main Lake With 160 FT On W Water ater, 5BR, 3.5BA, On 1.2 Acres!!! Dock With Boathouse, Boat Ramp. $550,000 Call Allan 886-2828
LAKE BLACKSHEAR 880 Flournoy y Great Location In Worth Worth County, 145 Feet On Water Water, Dock, 3 Bedroom, 2 Baths, Comes With Additional Lot $285,000 Call Allan 886-2828
LAKE BLACKSHEAR 843 Flintside Dr Cabin / Cottage With 100 Feet On Main Lake, Dock / Boathouse, Hardwood Floors $199,900 Call Allan 886-2828
LAKE BLACKSHEAR 667 Smoke Bridge g Circle New Construction On Lake Blackshear On Acre Lot , 3 Bedroom, 2 Bath, Dock With Boathouse, Fenced Yard $249,000 Call Allan 886-2828
LAKE BLACKSHEAR 210 Drayton y Loop p
100 Feet On Lake Blackshear, Large Lot With A Dock, 2 Bedroom, 2 Ba, $169,900 Call Allan 886-2828
LAKE BLACKSHEAR 488 Lakeshore Way y 75 Feet On The Th W Water ater t With Excellent Views! Nice Double Bathouse, Seawall, Screen Porch And Lots Of Decking, 3 Br, 2 Ba, 1512 Square Ft $285,000 Call Allan 886-2828
LEESBURG 208 Lynwood y
ALBANY 3522 Gravel Hill Rd
ALBANY
LEE COUNTY
1201 9Th Avenue
158 Crow
Laurelbrook S/D, 3 Bedroom, 2 Baths, 1667 Square FT $110,000 Call Allan 886-2828
Country Living On 3.7 Acres In Albany, 2400 Square Ft, Brick Home, 3 Bedroom, 2 BA $88,000 Call Allan 886-2828
Fixer Upper!!!! 3 Bedroom,
Great Investment
ALBANY 3621 Mayfair y Northwest Albany Brick Duplex, Great Investment Opportunity! 2500 Square Ft, Each Unit 3BR, 2BA. $129,000 Call Allan 886-2828
ALBANY Northwest Albany y Lot 2009 Beattie Rd.
LAKE BLACKSHEAR 328 Swift Creek Rd
LAKE BLACKSHEAR 334 Spring p g Creek
install edge restraints, which can be metal or plastic; a row of finished pavers stood on end and buried to finished height; or troweled concrete that's later covered with backfill.
Prestigious Gated Community On 8.2 Acres, Wooded, Fronts A Lake Call Allan 886-2828
2 Baths, Corner Lot
Opportunity, 3BR, 2BA
$33,000
Call Allan 886-2828
Call Allan 886-2828
PENDING
NORTHWEST ALBANY 1510 W 10Th 4 Bedrooms 2 Baths, Inground Pool, 1620 Square Ft, Fenced Yard $88,800 Call Allan 886-2828
ALBANY 2821 North Doublegate g Doublegate Subd, Inground Pool, 3 Bedrooms, 2.5 Baths, 2320 Square Ft, Sunroom Call Allan 886-2828
LAKE BLACKSHEAR 1200 Campers p Haven Located On Flint River, 3 Bedroom, 2 Ba, Plenty Of Storage , Dock $160,000 Call Allan 886-2828
Located On The Flint River, 3 Bedroom , 2 Baths $125,000 Call Allan 886-2828
LAKE BLACKSHEAR 124 Waterfront Large Home On The Water! 4BR, 3BA, Dock, On 1 Acre, 2300 SF, Tile Floor $199,000 Call Allan 886-2828
ALBANY 1409 Pleasant Grove Church Rd Country Living ! 4 Bedroom, 2 Bath On 5 Acres, Lots Of Privacy $40,000 Call Allan 886-2828
LEE COUNTY 124 Attwater Huntingdon Subd , Double Garage, Hardwood Floors, 3 Bedroom, 2 Baths, Living Rm, Dining Area, Large Kitchen Call Allan 886-2828 PENDING
AMERICUS 127 McDonald Large Lot With 4 Bedrooms, 2 .5 Baths, Brick Home, 2617 Square q Ft,, Double Garage, Large Kitchen, G L Kit h Family Room And Den $159,900 Call Allan 886-2828 PENDING
LESLIE 119 Seaboard Large Building / W Warehouse arehouse With 6000 Square Ft, Next To Dollar General, High Ceilings $159,500 Call Chuck 886-2521
alb_homes_0918_Layout 1 09/16/16 6:37 PM Page 7
albanyherald.com
SUNDAY, SEPTEMBER 18, 2016 • 7C
Green Building Makes Homes More Affordable (NewsUSA) - Faced with increasing demand for low-income housing, public housing authorities are finding that investing in green building solutions can make their homes more affordable and more livable.
An independent study showed that High Point homes with Baxi units recorded total fuel savings of 37 percent. The report also noted that the inclusion of conservation technology, including the Baxi hydronic heating system, makes housing even more affordable as utility rates increase and public utilities and government agencies add new financial incentives for conservation.
Seattle Housing Authority, one of the nation's largest public housing agencies, has found a way to cut fuel consumption by 37 percent at a 120-acre redevelopment in West Seattle. Named High Point, Seattle Housing Authe new pedestrianthority also installed friendly community its first Baxi solar features a mix of water heating system Tom Phillips (right) and architect Matt Sullivan (left) worked together to Builder 1,700 low-income and at High Point this create a housing community that generated fuel savings of 37 percent. market-rate properties, spring and expects it plus ample park will generate addispace, a seniors' village, a neigh- Housing's passion for building a one, backpack-sized boiler with tional fuel and cost savings. The borhood center, a new medical greener, more affordable and tankless hot water capabilities," renewable energy system is says Matt Sullivan, the project backed up by the Baxi Luna 3 and dental clinic and a public li- more livable community." manager of Mithum, a leader in Comfort combination heating and brary. Tom Phillips, Seattle Housing Au- The community features an inno- reduced energy use. domestic hot water boiler, which thority's senior development man- vative natural drainage system is capable of accepting preand a host of energy-efficient and "It generates fuel-use savings ager, says High Point has set a heated water from the solar stornew standard in sustainable water conservation solutions, while helping us to make the most age tank. green building for housing author- such as a Baxi Luna combination of space limitations. It allows us to ities. "Our design team includes heating and domestic hot water fit a stackable washer and dryer Visit www.wallhungboilers.com to firms that are among the region's wall-hung boiler in rental homes. in the same closet as the combi- learn more about proven Baxi nation central heating and do- energy-efficient, leaders in sustainable developeco-friendly ment, and who share Seattle "Baxi Luna is an elegant, all-in- mestic hot water boiler." heating solutions.
HOW MUCH HOUSE CAN YOU AFFORD?
MORTGAGE AGE RA ATES T TES
Determining how much “home you can afford� depends on several important factors including:
Subject T To o Change Chan Upon Short Notice
t Your annual gross income. :PV DBO HFU B WFSZ SPVHI FTUJNBUF PG ZPVS BGGPSEBCMF IPNF QSJDF SBOHF CZ NVMUJQMZJOH ZPVS BOOVBM HSPTT JODPNF CZ 'PS FYBNQMF JG ZPVS BOOVBM HSPTT JODPNF JT ZPV NBZZ CF BCMF UP BGGPSE B IPNF XPSUI UIJT WBSJFT EFQFOEJOH PO DVSSFOU JOUFSFTU SBUUFT ZPVS EFCU BOE DSFEJU IJTUPSZ
t Your credit history and score. :PVS DSFEJU DBO BGGFDU ZPVS BCJMJUZ UP RVBMJGZ GPS B NPSUHBHF BOE ZPVS NPSUHBHF SBUF #FGPSF ZPV TIPQ GPS B IPVTF PS B NPSUHBHF ýOE PVU XIBU ZPVS DSFEJU TDPSF JT CZ WJTJUJOH XXX BOOVBMDSFEJUSFQPSU DPN PS DBMMJOH nce a year because your scorre e to do this once e can be negatively Be surre affected if pulled too often. t Current mortgage rates. .PSUHBHF SBUFT DIBOHF DPOTUBOUMZ CBTFE PO UIF FDPOPNJD GBDUPST UIBUU BGGFDU UIF EFNBOE GPS NPSUHBHFT BNPOH JOWFTUPST MJLF 'SFEEJF .BD :PV DBO USBDL NPSUHBHF SBUUF USFOET CZ GPMMPXJOH 'SFEEJF .BD T 1SJNBSZ .PSUHBHF .BSLFU 4VSWFZ t The amount of your down payment. :PV XJMM IBWF UP NBLF B EPXOQBZNFOU PG BUU MFBTU QFSDFOU PG UIF IPNF QVSDIBTF QSJDF UP RVBMJGZ GPS B NPSUHBHF UIBU NFFUT 'SFEEJF .BD T SFRVJSFNFOUT *G ZPV BSF BCMF UP QVU EPXO QFSDFOU PS NPSF ZPV DBO BWWPJE IBWWJOH UP QBZ QSJWBUUF NPSUHBHF JOTVSBODF 1.* SFEVDJOH ZPVS NPOUIMZ NPSUHBHF QBZZNFOU t The type of home your are purchasing. *G ZPV BSF MPPLJOH UP CVZ B DPOEPNJOJVN LFFQ JO NJOE UIBU SBUFT BSF UZQJDBMMZ IJHIFS GPS UIFTF MPBOT BOE ZPV MM IBWF UP CVEHFU GPS UIF DPTU PG ZPVS NPOUIMZ DPOEPNJOJVN GFF t Your current lifestyle and future plans. :PV TIPVME DPOTJEFS ZPVS DVSSFOU MJWJOH TUBOEBSET BT XFMM BT BOZ GVUVSF NBKPS FYQFOTFT TVDI BT B XFEEJOH PS DPMMFHF UVJUJPO "OE SFNFNCFS CVZ XIBUU ZPV DBO DPNGPSUBCMZ BGGPSE UPEBZZ OPU ýWF ZFBST GSPN OPX t Fees and closing costs. 3FNFNCFS UP GBDUPS JO UIF FYQFOTFT BOE GFFT ZPV XJMM JODVS GPS B IPNF BQQSBJTBM B IPNF JOTQFDUJPO BOE PUIFS QSPGFTTJPOBM TFSWJDFT SFRVJSFE UP CVZ B IPNF
KEY RA ATIOS TIOS LENDERS LENDE USE
30-YEAR FIXED RATE RA ATE
15-YEAR 1-YEAR ADJUSTABLE ADJUSTABLE RA RATE TE (No Points) FHA and/or or VA VA (30-Year) (30-Year) FHA and/or VA VA (15-Year) (15-Year) FIXED Life of USDA RATE Rate Annual Loan Margin 30 yr. Points 15 yr. Points 100% RATE
LENDER
(No Points)
(No Points)
AB&T Nantional Bank 229-446-2265
3.25
2.625
3.50
Rate
Rate
Cap
Cap
-
-
-
-
3.125
0
2.75
0
0
2.875
-
-
-
-
3.25
0
3.25
0
3.25
3.25
2.75
-
-
-
-
3.25
0
2.875
0
3.49
2.70
-
-
-
-
-
-
-
-
3.25
3.375
2.75
-
-
-
-
3.125
0
2.75
0
3.25
3.375
2.75
-
-
-
-
3.25
-
2.75
-
-
30 yr.
Last Update 09/15/2016
Ameris 229-434-4555 Last Update 08/12/2016
Flint Community Bank 229-903-1400 Last Update 08/12/2016
Suntrust Mortgage Inc. 229-430-5494 Last Update 09/15/2016
Synovus Mortgage 229-430-7037 Last Update 09/15/2016
Bank of Camilla 229-294-2068 Last Update 09/08/2016
5P EFUFSNJOF IPX NVDI ZPV DBO BGGPSE JU JT IFMQGVM UP GPMMPX UIF HVJEBODF BOE LFZ SBUUJPT MFOEFST VTF t Housing Expense Ratio. -FOEFST SFDPNNFOE UIBUU ZPVS NPSUHBHF QBZZNFOU YFT BOE NPSUHBHF JOTVSBODF CF MFTT UIBO QFSDFOU PG ZPVS QSJODJQBM JOUFSFTU UBY NPOUIMZ HSPTT JODPNF t Debt-to-Income Ratio -FOEFST MPPL UP TFF UIBU BMM ZPVS PUIFS EFCUT DSFEJU DBSET TUVEFOU MPBOT BMJNPOZ DIJME TVQQPSU DBS MPBOT BOE IPVTJOH FYQFOTFT BSF MFTT UIBO QFSDFOU PG ZPVS NPOUIMZ HSPTT JODPNF
3BUFT DBO CF SFEVDFE XJUI EJTDPVOU QPJOUT 3BUFT BSF TVCKFDU UP DIBOHF VQPO TIPSU OPUJDF BOE EJTDPVOU QPJOUT DPVME DIBOHF GSFRVFOUMZ 0OF EJTDPVOU QPJOU JT FRVBM UP POF QFSDFOUBHF QPJOU PG UIF MPBO BNPVOU BOE JT QBJE XIFO UIF MPBO JT DMPTFE .PTU MFOEFST IBWF B WBSJFUZ PG QSPHSBNT ORIGINA ATION FEE IS NORMALL LY ONE ON NE ADDITIONAL POINT T,, BUT CAN VAR VARY. .BYJNVN BNPVOU GPS DPOWFOUJPOBM MPBO JT To Participate P in the column, call 888-9333. For information on specific mortgage programs call The he Lenderr..
MORTGAGE PA PAYMENTS Y CALCULA ULA ATOR TOR
For More Information t Check out our Who’s Who Lenders page and Contact one of these expert lenders for more information
љђŃ?ŃĄŃ&#x;Ń–Ń?юљȹӕȹ юѥѢŃ&#x;юљȹ ŃŽŃ Čą ŃœŃšŃ?ŃŽŃ›Ń–Ń’Ń Â’Â?Â˘ČąÂ˜Â?Čą •‹Š—¢ ŞŞřȏŞřřŖ
Ž˜›Â?’Šȹ ˜ Ž› ĹšĹ™ĹœČŹĹ™Ĺ™Ĺ–Ĺš
Â’Â?ÂŒÂ‘ÂŽÂ•Â•Čą ž–Â?Ž›ȹ ĹšĹ™ĹœČŹĹ–Ĺ–Ĺ?Ĺ– Ĺ?Ĺ›Ĺ&#x;ČŹĹ˜Ĺ˜Ĺ&#x;Ĺ— ђљђŃ?Ń•ŃœŃ›Ń’ČąČąČąAT&T Residential 888-757-6500 Â Â Â ÇŻÂŠÄ´ÇŻÂŒÂ˜Â–ČąČąČąČąČąČąČąČąČąČąČąČąČąČąČąČąČą ÂžÂœÂ’Â—ÂŽÂœÂœČąĹžĹœĹœČŹĹœĹ˜Ĺ–ČŹĹœĹ–Ĺ–Ĺ–
ћѥђŃ&#x;ћђѥȹ Ń&#x;ŃœŃŁŃ–Ń‘Ń’Ń&#x;Ń Ç ČąÇť Â’ÂŠÂ•ČŹÂžÂ™ČąĹžĹ–Ĺ–ČŹĹšĹ™ĹœČŹĹžĹœĹ™ĹžÇźČąÇť ČąĹžĹ–Ĺ–ČŹĹ˜ĹœĹ™ČŹĹ–Ĺ˜ĹšĹ—ÇźČąÂ Â Â ÇŻÂŠÄ´ÇŻÂŒÂ˜Â– •Š—Â?ÂŽÂ•ČąĹ—ČŹĹžĹ–Ĺ–ČŹĹ™ĹšĹ˜ČŹĹ?Ĺ›ĹœĹšČąČąČąČą ž›Â? ˜žÂ?‘ȹŞĹ?ĹžČŹĹœĹ–Ĺ–Ĺž Ń’Ń?ŃŚŃ?љіћєȹ ŽŽ™ȹ •‹Š—¢ȏ ˜žÂ?‘Ž›Â?¢ȹ ŽŠžÂ?Â’Â?ÂžÂ•ČąĹšĹ™Ĺ–ČŹĹ›Ĺ˜Ĺ›Ĺ?
Ń?Ń•ŃœŃœŃ™Čą Ń›Ń“ŃœŃ&#x;ŃšŃŽŃĄŃ–ŃœŃ› ˜žÂ?‘Ž›Â?¢ȹ ˜ž—Â?¢ȹ ÂžÂ‹Â•Â’ÂŒČą ÂŒÂ‘Â˜Â˜Â•Čą Â˘ÂœÂ?Ž– ÂŽÂŽČą ˜ž—Â?¢ȹ ÂŒÂ‘Â˜Â˜Â•Čą Â˘ÂœÂ?Ž– ĹšĹ™Ĺ—ČŹĹ—Ĺ˜ĹœĹš Ĺ˜Ĺ˜Ĺ&#x;ČŹĹ&#x;Ĺ–Ĺ™ČŹĹ˜Ĺ—Ĺ–Ĺ– юіљьȹ Ń’Ń¤Ń Ń?ŃŽŃ?Ń’Ń&#x;ČąÇťÂŒÂ’Â›ÂŒÂžÂ•ÂŠÂ?Â’Â˜Â—ČąÂ?Ž™Â?ǯǟȹȹȹŞŞŞȏĹ&#x;Ĺ™Ĺ˜Ĺ˜
ŃĄŃ•Ń’Ń&#x;Čą ŃšŃ?ŃœŃ&#x;ѥюћѥȹ ѢњŃ?Ń’Ń&#x;Ń Â›Â’Â&#x;ÂŽÂ›Č‚ÂœČą Â’ÂŒÂŽÂ—ÂœÂŽČą ÂžÂ›ÂŽÂŠÂžČąĹšĹ™Ĺ–ČŹĹšĹ˜Ĺ›Ĺ— žÂ?˜–˜Â?Â’Â&#x;ÂŽČą ŠÂ?Čą ÄœÂŒÂŽČąĹšĹ™Ĺ—ČŹĹ™Ĺ˜Ĺ›Ĺ› ˜Â?Ž›ȹ ÂŽÂ?Â’ÂœÂ?›ŠÂ?Â’Â˜Â—ČąĹšĹ™Ĺ—ČŹĹ™Ĺ˜ĹšĹ? ˜››ŽŒÂ?Čą Â’Â–ÂŽČąĹšĹ™ĹœČŹĹœĹ—Ĺ˜Ĺ— •‹Š—¢ȏ ˜žÂ?‘Ž›Â?¢ȹ Â‘ÂŠÂ–Â‹ÂŽÂ›ČąÂ˜Â?Čą Â˜Â–Â–ÂŽÂ›ÂŒÂŽČąĹšĹ™ĹšČŹĹžĹ?Ĺ–Ĺ–
To Advertise in i SWGA Home contact Debi Griffin at 888-7653 3 or debi.griffin@albanyherrald.com a ald.com 440947-1
Monthly interest, interest payments for 30-yearr,, fixed rate mortgage. Escrow payments for taxes, insurance not included. Payments are rounded to the nearest dollar.
$50,000 60,000 70,00 80,000 90,00 100,000 110,000 120,000 130,000 140,000 150,000 160,000 170,000 180,000 190,000 200,000
3.75% 4.00% 4.25% 4.50% 4.75% 5.00% 5.25% 5.50% 232 239 247 255 263 271 277 284 278 287 295 303 311 319 327 332 325 335 345 355 365 375 387 398 371 382 393 403 413 423 442 455 417 430 444 458 472 486 497 512 464 478 492 506 520 534 497 512 510 526 542 558 574 590 553 568 556 573 591 609 627 645 608 625 603 621 641 661 681 700 663 682 649 669 689 709 729 749 718 739 695 717 738 760 782 804 774 795 741 764 788 812 836 860 829 852 788 812 836 860 884 908 884 909 834 860 886 912 938 964 939 966 880 908 936 964 992 1020 1050 1079 927 955 984 1011 1044 1067 1105 1136
alb_homes_0918_Layout 1 09/16/16 6:37 PM Page 8
8C • SUNDAY, SEPTEMBER 18, 2016
albanyherald.com
Refinancing in a Down Market (NewsUSA) - Falling home values are a cause for concern for millions of American homeowners, mortgage lenders and the federal government. To help families dealing with lower home values and other personal crises, the Obama Administration announced the Making Home Affordable initiative that is designed to help between 7 million and 9 million Americans improve the affordability of their mortgage and prevent foreclosure. Understand Your Options There are several programs under the Making Home Affordable initiative. One of these is the Home Affordable Refinance Program (HARP). HARP is a refinance program for homeowners who are current on their mortgage payments, but unable
If you're struggling to meet payments, don't hesitate to contact your mortgage lender.
to take advantage of the current low interest rates due to their home's depressed value. The program is also designed to assist borrowers in changing from a risky loan, like a negatively amortizing adjustable, into a more stable 30-year fixed rate. There are several eligibility requirements for the HARP program, however the most important one is that your loan be owned or guaranteed by either Fannie Mae or Freddie Mac, and you must work directly through your lender (the company that currently services your loan). Borrowers interested in knowing if they qualify for a HARP refinance program must contact their lender. You can also obtain general information about HARP, as well as access links to determine whether your loan
is Fannie Mae- or Freddie Macowned or guaranteed, from the Making Home Affordable web site: http://www.makinghomeaffordable.gov/loan_lookup.html. Before your lender can make you an offer, you will need to fully document your income, which generally requires providing: your W-2s, recent bank statements and pay stubs. The PMI Mortgage Insurance Co. has a helpful mortgage-assessment form at www.homesafepmi.com, where you can input the information your lender will likely require. Given the backlog of requests, the process from phone call to decision may take 60 to 90 days. So, don't be surprised if you don't get an answer right away. And be sure to follow up frequently.
Who’s W ho’ss W Who h ho Mortgage Lending IIn nM ortgage L ending Lay L ay tth the he Foundation Fooundation fo F ffor or a F Financially inanciallly Secure Securee Future Fu F uturee with with the th the Right Right M Mortgage Mo ortga age
DEBBIE K. SUTTON Mortgage Loan Officer Cell 229-894-6754 Phone 229-317-4544 Fax 229-336-0479 dsutton@bankofcamilla.net NMLS# 588658
BANK OF CAMILLA 284862 1
284861-1
2301 Dawson RD., Suite 300 Albany, GA. 31707 www.bankofcamilla.net
440992 1
&Žƌ ĂĚĚŝƟŽŶĂů ŝŶĨŽƌŵĂƟŽŶ͗
Jan Phillips
284858-1
Caall Debi Griffin @ 888-7653 to pllace ace your Morttggage Companyy Ad Here 284865-1
>ŽĂŶ ŽŶƐƵůƚĂŶƚ ^ƵŶdƌƵƐƚ DŽƌƚŐĂŐĞ͕ /ŶĐ͘ ϮϮϵ͘ϱϭϴ͘ϱϯϭϱ ϮϮϵ͘ϰϯϬ͘ϱϴϮϬ &Ădž ED>^Zη ϲϱϴϵϴϮ
Beverly Brown
>ŽĂŶ ŽŶƐƵůƚĂŶƚ ^ƵŶdƌƵƐƚ DŽƌƚŐĂŐĞ͕ /ŶĐ͘ ϮϮϵ͘ϱϭϴ͘ϱϯϰϲ KĸĐĞ ϮϮϵ͘ϰϯϬ͘ϱϱϮϯ &Ădž ďĞǀĞƌůLJ͘ďƌŽǁŶΛƐƵŶƚƌƵƐƚ͘ĐŽŵ ED>^Zη ϭϭϬϭϰϮϱ 284864-1
Export PDF Page 4_Export PDF Page 4 09/15/16 10:10 PM Page 9
HOMES HOMES Southwest Georgia
Mobile Homes
For Rent.......................................600 For Sale.......................................601 Lots for Rent................................602 Lots for Sale................................603 Supplies/Equipment.....................604
REAL ESTATE
202 Houses for Sale
Real Estate for Rent
Acreage........................................650 Commercial Property...................651 Condominiums/Townhouses............652 Duplexes......................................653 Furnished Apartments..................656 Furnished Homes.........................657 Hunting Leases............................658
albanyherald.com
SUNDAY, SEPTEMBER 18, 2016 • 9C
Display Ad Deadline: Wednesday, Noon Display - Debi Griffin 888-7653 Debi.Griffin@albanyherald.com Classified Ad Deadline: Friday, 10:00 a.m. Classified 888-9333 Office Space................................660 Resort Property...........................663 Retail Space................................664 Roommate Wanted......................666 Room...........................................667 Rental Property Needed..............668 Unfurnished Apartments..............673 Unfurnished Homes.....................679 Warehouses/ Mini Warehouse. . . .681
Debi Griffin Multimedia Real Estate Rep 888-7653
Real Estate for Sale
Acreage Over 75..........................701 Acreage Under 75........................702 Commercial Buildings......................703 Commercial Lots.............................704 Condominiums/Townhouses............705 Duplexes......................................706 Homes Site..................................707
248 Apt/Dupl/Condo/ T’homs for Rent
240 Houses for Rent
240 Houses for Rent
916-A 4TH Ave., 2BR/1BA, $495/ mo, $495D non-refundable dep. NO GRFA, 678-699-1889 NO PETS
LEE CO 3BR/2BA, Appliances, Garage 229-435-1327
Amber Jeffcoat Classified Sales Manager 888-9343
Ken Boler General Manager 888-9319
Homes for Sale............................708 Homes for Sale Information.........709 Investment Property.....................710 Real Estate Wanted.....................711 Rental Property............................712 Resort Property............................713 Warehouses.................................714
248 Apt/Dupl/Condo/ T’homs for Rent
248 Apt/Dupl/Condo/ T’homs for Rent
LAKE PARK, 3/2 Brick, Remodeled, No Pets, $895/m 347-8225, 759-8000
1410 EAGER AVE. 3BR/2BA $750 DEP/ $750 RENT 1204 Toledo Dr. Warehouse Space available 3000 sqft. $650.00 per month 312 W. Residence Office Space available $500.00 per month 194 White Oak Dr. 4BR/2BA 1734 sqft. $1500.00/month 1803 South County Line Road 3BR/3BA 1920 sqft. $1200.00 per month Office space at 1005 Tift Ave. Albany 3 units available 825 sqft. $250.00 per month each 1805 Devon Drive 4BR/3.5BA 2832 sqft. $1900.00 per month Storage Units at 817 Flint Ave. 25x35 for $275.00 per month
FSBO LEE COUNTY 3BD/2BA Pool, sprinkler system, new H&A/C unit & new roof, well water, GP low utility on 1 acre. Hunter’s Ridge Subdivision - 106 Remington Ln. $186,000, MAKE OFFER (229) 883-2372
804 Twenty First Ave. 4840 sqft. $1200.00 per month Business office/distribution or Church space ready 1030 Summit Dr.
3BR/2BA Home - 1746 sqft $975/per month
LEE COUNTY 4BR 3.5BA Beautiful 5300 sq. ft. Executive Home on 2.3 acres. 210 Quail Pines Drive. Make offer, all offers considered. Motivated sellers. Serious Buyers Only! Appointment necessary. Please call (239) 823-4977 or (239) 281-8786
2717 Davenport Dr.
3BR/2BA Home - 2033 sqft $1400/per month 121 Cambridge Rd.
3BR/2BA Home - 1764 sqft $1580/per month
LOOK AT this 3BR/2BA wood-cedar house w/ fireplace, 1.5 acres of land, private fence around the back of the house w/ 2BR/1BA guest house. Appraised for $142,000. Will take a good reasonable offer! Call (229) 395-0058 1326 Christopher Cove Rd., Albany GA, Sherwood Forrest Subdivision.
108 Morning Mist Dr. 3/2 Home - 1679 sqft $1350/month
204 Apt/Dupl/Condo/ T’homs for Sale
1810 Schley Ave. 4/2 Home - 1712 sqft $800/month
210
1223 Augusta Dr. 3/2 Home - 1699 sqft for $1150/month
440483-1
CONDO FOR sale NW location 480 Kingswood Court 3BR 2&1/2BA Gated community with pool and clubhouse. Priced below market @74900 and possible owner financing. Call Lavonda at R.E.B.G./The Anderson Co. to see 229-881-0818
142 Leighton Dr. 3/2 Home - 1415 sqft $1000/month
912 FROTSCHER AVE. 3BR/1BA $395 DEP/$395 RENT
440513-1
FOR SALE BY OWNER 627 Sasser Herod Rd. $279,000 OWNER MOTIVATED MAKE OFFER!!!! 20 ACRES in Sasser. 3BR/2.5BA, 2066 sqft, Stocked Pond, wired workshop, 9.5 acres farm land. Please be approved by financial institution. BY APPOINTMENT ONLY. CALL 229-894-6367
615 HALEY ST. 3BR/1BA $625 DEP/ $625 RENT
DEPOSIT IS SAME AS RENT
DUPLEXES/ TRIPLEXES / QUADS
199 FAIRTHORNE, LEE CO. 5BR/4BA, $1675
Yard Sale Kit $3
HAPPY RENTALS LLC. Completely remolded! 610 West 2nd Ave. 2BR/1BA, fenced yard, close to hospital & pet friendly. (229) 349-7238
3715 MAYFAIR 4BR/3BA $895
3975 RODNOR Forest 3BR/BA $625/$40 0(SPECIAL)
1008-A N. DAVIS 1BR/1BA, APPLIANCES $345/MO
VIS 1408-B DAV 2BR/1BA $475/$40 0 (SPECIAL)
136 N MAGNOLIA/ 4 ROOM OFFICE $375/MO
APARTMENTS
Please Call For More Information
905-A TIFT AVE. 3BR/1BR $425/$425(SPECIAL)
888-9333
1700 W. BROAD AVE 2BR/1.5BA $395
VE. 515-H SEVENTH AV 1BR/1BA $450/$350(SPECIAL)
LEE CO. 141 Chukar, 3/2, $1200/ mo. 104 Fox Hound 3/2 $890/mo. 156 Peach 4/2 $890/mo. THE WRIGHT Co. 229-435-0654
1213 A 5TH AVE 2BR/1BA $425
AY 10 0-A WINDING W WA 3BR/2BA $625/$495 (SPECIAL)
LEE CO. 225 Lazy Acres 4/2 split design GRANITED/CEREMIC TILE T-OUT, Custom Cherry Cabinets Tout, all major appls., Fireplace, formal DRM, Garage, Lg yard, Family Oriented $1225 229-344-3215
248
836-B Odom 2BR/1BA $275
115-C ACACIA 3BR/2BA $650/$550(SPECIAL)
240 Houses for Rent DOUGHERTY ALBANY 2BR 2BA Family neighborhood, country kitchen, large bedrooms & living area, walk in closets, washer & dryer connections, spacious yard. $500/ month, $350 deposit. (716) 228-2426
929-B TIFT AVE 2BR/1BA $365
320 0-A FERNRIDGE 3BR/2BA $650/$550(SPECIAL)
*HOUSES*
1213 B 5TH AVE 2BR/1BA $395
201, 202, 204, 225, Glade 3BR/2BA $885/$80 0 (NEW)
229-888-5843
155 PINE SUMMIT DR. 3BR/2BA $1235 / $1135(Special)
Apt/Dupl/Condo/ T’homs for Rent
NEW CONSTRUCTION DUPLEXES FOR RENT IN LEESBURG Located on N Magnolia St next to Lee Co Elem. NO GRAFA. 3BED/2BATH. $825/Month. Info and Applications on site or call 229-789-0144 or 229-894-1117.
3514 Moss Island Ct. 3BR/2BA $1085/$10 0 0 (SPECIAL)
1, 2, 3 BR. Furnished, $85/wk. Utilities Included. Unfurnished $225-$375/ mo, appliances. 435-7646
30 03 DOVE Ave. 3BR/1BA $50 0/$40 0 (SPECIAL)
RECYCLE FOR A BETTER TOMORROW
Mobile Homes & Lots for Sale
1203 WHISPERING PINES ALBANY, GA 31707 MORE A VAILABLE AV WWW.RENT TALBANYGA.COM MON-FRI 9AM-5PM
Homes & 256 Mobile Lots for Rent
115, 125, 127 Laurelwood Ct. 3BR/2BA (SPECIAL) $895/$80 0
14 WIDE, Furnished 2BR, Spring Flats Rd., CH&A, $400/mo + dep. Call 776-3962
2312 W. Doublegate 3BR/1.5BA $1250/$10 0 0 (SPECIAL)
2, 3, & 4 BR Clean w/AC, $300/ mo and up, $250 deposit Call 4367108
3707 COUNTRYSIDE Dr. 3BR/21BA $785/mo $700 dep. 192 HUNTUNGDON 3BR/2BA $1125mo $1025 dep. (Special)
DOWNTOWN ALBANY, 1BR, appliances, No Pets, $250/mo + Deposit, Flint Realty 888-2290
1999 32X80 DESTINY DOUBLE WIDE MOBILE HOME, 3 acres Worth County, 10min from Marine Base, Quiet Country Living 4BR/2BA, Well, Sept, CH&A, Deck, Storge Bld, Carport much more $70,000.00 Call 229-886-7364
DUPLEX: 2 XL BEDROOMS, 2 BATHS, Carport, Storage, NO Grafa 229-881-1226 or 889-8030 $199 MOVE-IN SPECIAL, 2BD $320/M call anytime, move today. No Deposit. W/D hookup. (229)299-8750.
1999 GATEWAY 16x80, Recently Remodeled, New A/C, 3BR/2BA, Beautiful, Quiet, Safe Gated Community in LEE CO. $600/mo or $22,500 for sale. 229-888-0068
1BR & 2BR apts 1BA Beautifully updated in historic Rawson Circle $350$450/MO 229-344-3553
BEST DEALS on New, Used & Repo’d Mobile Homes, Call 229436-7108 or 229-364-5517
CLARKE COUNTY Athens Premier RV lot for sale for Dawg fans LOT FOR sale at Bulldog Park, full hookups, cable, bathhouse, transportation to and from football game for 14. See www.bulldogpark.com for more details . Selling below market due to death of co-owner. Also for sale is 2014 Palazzo by Thor, diesel pusher 33.2, washer and dryer, sleeps 6. Located in Cordele GA. New Blue Ox hitch. 229-349-0159. Serious inquires only please. FARM LAND for sale in Wilcox County, Abbeville, GA, on Half Moon Road. 38 acres, including barn & pond. Land has been used for cows. Property is 1/2 mile from Ocmulgee River Boat Landing $90,000.00. Call (229) 425-7659 or (229) 425-8109 LAKE SEMINOLE, Waterfront Wooded Lot, dock eligible, no restrictions, walking distance to Wingate Lodge and Recovery Fire Department. Nice Neighborhood, Hutchinson Ferry Subdv, Azalea Cir. $18,500. Call 404-502-2397
220
Commercial Property for Sale
RESTAURANT - FRANCHISE quick service. Operator/Owner Retiring On US Major HWY. Equipment Included. Southwest GA. Call 229-355-0303
229
Cemetery Lots for Sale
2 BURIAL PLOTS for sale at Floral Memory Gardens. $1,250 each. (229) 439-0227
REAL ESTATE
240 Houses for Rent 125 S HUNTON STREET POULAN, GA. 2BR, 1BA home in a quiet neighborhood. $400/mo $400 deposit. Call Norris Bishop Realty at 229-890-1186. 2 STORY BRICK W/ POOL; 4BR 2.5BA; 3900 sq ft; 2407 Pheasant, Lake Park, Heart pine fl; gas f/p, $1,850 Call 229-395-6712 2BR 1BA $430M 229-854-9828
APARTMENTS
3110 Graystone Lane - Off Beattie Rd.
4BR/ 2BA Winding Way, $750/mo $500 dep. 3BR/2BA, Albany, $700/ mo $500 dep. 229-638-1926
435-1017 Specials on Application & Security Deposits
Gardnerr, Whiting, & Malone 2BR/1BA $325/$50 124 Mossydale 3BR/2BA $750/$400 507-B Lucile 1BR/1BA $350/$350 Ave 1403 8th Ave 2BR/1BA $750/$500 2607-B Pointe North Blvd 2BR/1BA $550/$300 2815-A Partridge 2BR/1.5BA $525/$300
2 and 3 Bedroom Townhomes 2507 Nottingham Way Northwest Albany “Call For More Info”
1, 2 & 3/BR
APARTMENTS NOTTINGHAM APARTMENTS
229-432-9351
441052-1
1401 6th Ave Ave 3BR/1BA $545/$350 911-A 3rd Ave Ave 2BR/1BA $600/$400
2BR, CH/A, appliances, in quiet park. $265/mo $250 deposit. 439-8841.
2302-A Jim Stokes 3BR/2BA $725/$400
COUNTRY 2BR/1BA $300/Month & $250/Deposit (229) 776-3020 (229) 881-6012
1110 Rawson #2 & 3 2BR/1BA $425/$250 (Special)
EAST 3BR/2BA, $295 Rent to Own, Nice, 888-2000 or 883-2000
3812 Dominion 3BR/2BA $725/$450
WORTH, 3BR/2BA, $555 RTO, Remodeled Quiet, 888-2000, 883-2000
114 Village 3BR/2BA $825/$825 (Lee Co)
267 Commercial Rentals
129 Mayfield 3BR/2BA $995/$600 (Lee Co)
427 WEST OGLETHORPE Over 3,000 sq ft with 2 offices, 3 bays & 2 restrooms. Lease for $800 / Mo. Call (202) 744-4911
1915-B W. W. Broad 2BR/1BA $395/$250
CHURCH BUILDING for lease. 1111 5th Ave (229) 439-9884
1014 N. McKinley 2BR/1BA $395/$250 1401 9th Ave Ave 2BR/1BA $525/$350 3101-B & C Crepe Myrtle 1BR/1BA $495/$300 3107-B Crepe Myrtle 2BR/2BA $625/$450 186 Mayfield 3BR/2BA $1000/$800 (Lee Co)
(562) 310-9148
COMMERCIAL SPACE FOR RENT: 1104 N Slappey & 721 West Broad, 229-809-0233
Glenwood Manor Apartments 2315 W. Gordon Avenue Albany, GA 31707 FEATURING: 3 bedroom/2 bath & 2 bedroom/ 2bath Apartments Starting at just $450 a month! Get Approved Today! Please call for availability
Come and visit us today!
442859-1
214
Farms, Lots & Acreage for Sale
GREENBRIAR
3BR / 2BA APARTMENT HOUSE 807 Mcintosh Road $700/M. & $700/Dep. (229) 995-5994
441054-1
TERRELL COUNTY DOUBLEWIDE 3BD 2BA Mobile Home for Sale $26,000 (229) 310-5110
LEE COUNTY 2BR 1BA No Grafa, No Pets. (229) 435-0604 or (229) 8816202
COMMERCIAL SPACES FOR RENT 2226 Palmyra Road Call (229) 809-0233
alb_homes_0918_Layout 1 09/16/16 6:37 PM Page 10
10C • SUNDAY, SEPTEMBER 18, 2016
albanyherald.com
facing fOREclOSURE? Don't lose Hope H
(NewsUSA) omeowners struggling to meet their mortgage payments should not wait until they default on a payment before speaking to their lender. Hope and help are available.
Hope now, a private alliance of mortgage services, non-profit counselors and investors helped 270,000 homeowners keep their homes in April 2009. The organization reaches at-risk borrowers through its Web site, www.hopenow.com and community events, where homeowners can meet their lenders directly, as well as speak to representatives from Fannie Mae, Freddie Mac, the U.S. Department of Housing and Urban Development (HUD) and Legal Aid. Hope Now also operates a telephone hotline, where homeowners can speak to non-profit counselors, at 1-888995-HOPE. Before calling their lender, homeowners should compile their financial information. Before restructuring a loan, lenders will want to see hard numbers stating income and expenses. Homeowners also need to be savvy -- scammers have found endless ways to profit from the housing crisis. Scammers sift through public foreclosure notices in newspapers or use advertisements to reach desperate homeowners. Then they take mortgage payments, home equity or ownership of the home.
Homeowners worried about foreclosure should speak to their lender as soon as possible. OPEN HOUSE: Sunday 2-4 p.m.
TO AvOID BEInG ScAMMED, HOPE nOw SUGGESTS HOMEOwnERS BE AwARE Of POTEnTIAl
"RED flAGS":
2814 Creedmoor
Jayme Cobb 343-6229 Coldwell Banker Walden & Kirkland, Inc. 436-8811
To find legitimate help, homeowners need to contact their lender directly or call
1-888-995-HOPE to speak with non-profit counselors.
To find out about foreclosure prevention options, read "Mortgage Payments Sending You Reeling? Here's what to Do" at www.ftc.gov. 440508-1
441843-1
t .-4 t 4' 4BR, 2 BA. Just like new near Doublegate Country Club! Open & split floor plan, wood floors, specialty ceilings, granite counter tops, stainless steel appliances, custom-made cabinets,
* The service collects an upfront fee. * The service guarantees to stop foreclosure, no matter what. * The service only accepts payment by cashier's check or wire transfer. * The service encourages you to lease your home so you can buy it back over time. * The service tells you not to contact your lender, lawyer or credit or housing counselor. * The service wants to collect your mortgage payments. * The service tells you to transfer your deed or title to it, or offers to buy your home at a fixed price. * The service offers to fill out paperwork for you, or pressures you to sign paperwork that you have not read or do not understand.
www.needmoreproperties.com PRICE REDUCED
165 Belmont Drive
3599 Sandy Oaks Road
2308 B Tuxedo Lane
Stunning Home/ West Lee County $269,000 MLS# 136446 4BR/2BA, 2260SF The Grove at Oakland Parkway! New Construction! Granite counter tops and lots of beautiful details!
$199,500 MLS# 136160 2BR/2BA, 2275SF Beautifully built and country views. Gorgeous Smokey Mt. Red oak floors and lots of extras.
Beautiful Town home/Perfect Location $118,900 MLS# 135555 3BR/2BA, 1463SF Excellent Cond., Bonus room & Screened Porch
Christy Wright 347-2829 Needmore Properties 439-1837
Debbie Satterfield 343-6307 Needmore Properties 439-1837
Debbie Satterfield 343-6307 Needmore Properties 439-1837
4107 Quail Hollow Rd
362 Martindale Drive
Lot on Blackberry Road
Calloway Lakes/Lee County REDUCED TO $295,000 MLS# 136624 4BR/3.5BA, 2890SF Spacious Home with Beautiful details Hardwood floors and bonus room or 5th bedroom
REDUCED TO $20,000 10+/- acres with well and Septic Beautiful All Wooded 19+/-miles from Albany or Sylvester
Beautiful Executive Home $469,000 MLS# 136548 5BR/4.5BA, 4500SF Custom Kit., Sunroom, Gunite Pool & 900SqFt Pool House
Christy Wright 347-2829 Needmore Properties 439-1837
Beautiful Wooded Lot Gillionville Road REDUCED TO $60,000 5+/- acres
Debbie Satterfield 343-6307 Needmore Properties 439-1837
Bob Dutton 894-7373 Needmore Properties 439-1837 Less than 10 minutes from Albany Mall Bob Dutton 894-7373 Needmore Properties 439-1837