SWGA HOMES 04/02/2017

Page 1

4C • SUNDAY, APRIL 2, 2017

albanyherald.com

102 Bent Tree Drive • Sylvester, GA 31791 • $229,000 • 3 BR, 2 BA, 2 Half BA

CAMILLE TAYLOR, REALTOR 229-777-0077 Bathroom

Kitchen

Master

Family Room

478583-1

This home is located on a corner lot and is convenient to all schools. Interior features include a spacious family room, formal dining and kitchen with breakfast area. Master is on the main and 2 bedrooms are upstairs. There is a 20 x 20 newly added addition that can be used for whatever your needs may be. This is a come see in Worth County!

LD

LAKE BLACKSHEAR 382 Lakeshore Dr

LAKE AKE BLACKSHEAR ACKSHEAR S 334 Spring 3 p g Creek ek

Excellent Location And Views! Views! 0.84 Acres, Seawall, 3 BR, BR 2 BA, BA Large Lot $230,000 Call Allan 886-2828

Water, 85 5F Feett On O The W ater, Excellent Location! 2 BR, 1 5 Baths, Dock, Seawall 1.5 $269,000 Call Allan 886-2828

LAKE BLACKSHEAR 328 Swift Creek Rd

LAKE BLACKSHEAR 488 Lakeshore Way Way y 75 Feet On The Water Water t With Excellent Views! Views! Nice Double Bathouse, Seawall, Screen Porch And Lots Of Decking, 3 Br Br,, 2 Ba, 1512 Square Ft $285,000 Call Allan 886-2828

100 Feet On Lake Blackshear, Blackshear, Large Lot With A Dock, 2 Bedroom, 2 Ba, $159,900 Call Allan 886-2828

LEESBURG 208 L Lynwood ynwood y Laurelbrook S/D, 3 Bedroom, 2 Baths, 1667 Square FT $110,000 Call Allan 886-2828

ALBANY 3621 Mayfair y Northwest Albany Brick Duplex, Great Investment Opportunity! 2500 Square Ft, Each Unit 3BR, 2BA. $129,000 Call Allan 886-2828

S

O

LEESBURG 128 Blue Springs p g Br,, 2 Baths, Pool, 3 Br 1755 Square Ft $102,000 Call Allan 886-2828

ALBANY Northwest Albany y Lot 2009 Beattie Rd. Prestigious Gated Community On 8.2 Acres, Wooded, Wooded, Fronts A Lake Call Allan 886-2828

LAKE BLACKSHEAR 463 Flintside Great Weekend Weekend Place Or Rental Opportuinity! 2 Br 1 Bath, Dock With Boathouse, Seawall, Views Main Lake V iews $219,000 Call Allan 886-2828

LAKE BLACKSHEAR 496 Lakeshore Way Way y Lake Blackshear Main Lake With 160 FT On Water, Water, 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 W Worth orth County, County, 145 Feet On W ater, Dock, 3 Water, Bedroom, 2 Baths, Comes With Additional Lot $285,000 Call Allan 886-2828

LAKE BLACKSHEAR 356 Swift Creek

LAKE AKE BLACKSHEAR CKSHEAR 210 Drayton 2 y Loop p

Water On The W ater With A Dock! 3 Bedroom 2 Bath, 100 Feet On Water, Water, $128,000 Call Allan 886-2828

LAKE BLACKSHEAR 169 Flintside 0.93 Acres On The Water Water With Dock And Boathouse, our Fenced, Ready For Y Your Dream Home $75,000 Call Allan 886-2828

LEESBURG 244 Winship Quail Pines Winship pQ S/D Lee County on 2.72 Acres, 4 bedrooms 4BA, 5400 Square Ft. $369,000 Call Allan 886-2828

LEESBURG COUNTRY 174 COUNTR Y Leesburg on 8.56 Acres with a pond and dock, 3 bedrooms 2 bath, 1 164 Square Ft 1164 $115,000 Call Allan 886-2828

LD

NORTHWEST RTHWEST WEST T ALBANY B 0 W 10Th 1510 edrooms 2 Baths, 4 Bedrooms Inground Pool, 1620 Square ard Ft, Fenced Y Yard $88,800 Call Allan 886-2828

S

O

DOUBLEGATE DOUBLEGA ATE 2622 Chelsea Ct On 1.21 Acres, 5 Bedroom, 3.5 Baths, 4200 Square Ft, Driveway,, New Roof And Driveway Double Garage $285,000 Call Allan 886-2828

O

LD

S Located On

River,, The Flint River 3 Bedroom , 2 Baths $125,000 Call Allan 886-2828

LD

LEESBURG EESBURG BURG G

O

109 Crabapple pple

S 4 Br , 2 Bath $148,900

Call Allan 886-2828 Pending P ending g

ALBANY 911 91 1 Parrish 3 Bedroom 2 Baths, Yard, Fenced Y ard, 1500 Square Ft $89,900 Call Allan 886-2828

LAKE BLACKSHEAR 1200 Campers p Haven Located On Flint River River,, 3 Bedroom, 2 Ba, Plenty Of Storage , Dock $160,000 Call Allan 886-2828

LAKE BLACKSHEAR 349 Flintside Dr Main Lake M i L k 2 Bedroom B d 2 Baths, New Dock / Boathouse, Large Metal Storage Buildings 100 Ft On Water Water $299,000 Call Allan 886-2828

SMITHVILLE 928 Airport p Rd Smithville On 50 Acres, 4 Bedrooms, 2 Baths, Two T wo Ponds, Built In 2006 With 2388 Square Ft, Shop / Storage $295,000 Call Allan 886-2828

LESLIE 119 119 Seaboard Warehouse Large Building / Warehouse With 6000 Square Ft, Next T o Dollar General, To High Ceilings $159,500 Call Chuck Chuck 886-2521


albanyherald.com

)$0,/< )($785(6

+RPH 2IILFH

pring is a sensible time to refresh and restore your home after heavy indoor use during winter. It’s also an opportunity to conduct overdue home maintenance and achieve a sense of accomplishment. Tackle the project room by room with WKHVH WLSV IURP WKH H[SHUWV DW 2I¿FH Depot to make the work feel more manageable and ensure you complete a thoroughly satisfying job.

If there’s any room that comes close to the clutter of the entryway, it’s the KRPH RI¿FH $ PDMRU GLIIHUHQFH LV WKDW JHQHUDOO\ RI¿FH PHVVHV FRPH LQ the form of paperwork, and paper can actually be organized quite easily. 6RUWLQJ LV WKH EHVW ¿UVW VWHS VR \RX know exactly what you’re up against. Create piles for all the different types of paper you’re likely to encounter, from bills and to-do lists to the kids’ school work. Separate other items by category, VXFK PHGLFDO UHFRUGV DQG ¿QDQFLDO documents or art supplies and books, into piles of their own. An option such as the 3M Weighted Desktop Dispenser and Organizer can help keep supplies like pens, tape, paper clips and sticky notes neat and tidy.

S

Entryway The main entrance, whether it’s the front door or a mudroom entrance off the garage, tends to become a dumping ground where items are shed with each trip through the door. You may have to wade through some clutter to make headway, but after a thorough cleaning RI WKH IXUQLWXUH ÀRRUV DQG ZDOOV LQ WKLV space, your next challenge is making sense of all the mess. One solution is assigning designated storage spaces for each family member. A series of plastic storage boxes or cubby-style organizers can help contain possessions like shoes, backpacks, handbags and more. Rely on stylish hooks or a coat tree for extra storage. 3XW \RXU ¿QLVKLQJ WRXFK RQ WKH IUHVKO\ cleaned entryway with some pops of color and personality, such as cheerful wall art and a welcoming rug.

There are dozens of options when it FRPHV WR KRPH ¿OLQJ V\VWHPV &RQVLGHU keeping current documents in a location \RX FDQ DFFHVV DW \RXU ¿QJHUWLSV VXFK DV D KDQJLQJ ¿OH GUDZHU RU D GHVNWRS ¿OHU /DEHOHG WDEV DQG FRORU FRGHG folders can help make frequently used documents more easily accessible. For archival materials, such as tax returns and insurance policies that you’re likely to consult infrequently, a secure but separate storage solution makes more sense. Drawer labels and FRORUHG KDQJLQJ ¿OH SRFNHWV SDLUHG with a categorical or alphabetical organization system can make it easy to dispose of unwanted clutter without tossing important papers. Once you’ve dealt with all the paperwork, don’t overlook important details like dusting the computer desk and screen to make your freshly FOHDQHG RI¿FH H[WUD LQYLWLQJ $GGLQJ D stylish, functional centerpiece like the See Jane Work Kate Writing Desk can also help you stay organized now and in the future.

.LWFKHQ Because it’s likely the most used room in the house, the kitchen sees a fair bit of cleaning year-round. However, in any busy household it’s easy to let deeper cleaning slide. While you’re tackling the rest of the house, take time to give the NLWFKHQ LWV GXH 0RS WKH ÀRRUV GLVLQIHFW all surfaces and remove clutter that has accumulated, including old and outof-date food from the refrigerator and pantry. Because consumables are such an integral part of this space, it’s a good idea to use green cleaning products that won’t leave harmful residues on your cooking surfaces or distribute contaminants into the air.

Bedrooms When warm spring weather arrives, throwing open the windows to circulate fresh air can be one of the most welcoming ways to wake up the bedroom after long winter months. )UHVKO\ ZDVKHG OLQHQV DQG D ÀLSSHG RU rotated mattress can also give the room a freshness you can see and feel. Beyond the typical chores like vacuuming and dusting, don’t forget dusty baseboards and make sure to wipe down any glass or mirrored surfaces for extra shine. Another way to make a

HOW MUCH HOU HOUSE USE CAN YOU AFFORD? USE AFFOR RD? RD?

t The amount of your down payment. paymentt. :PV :P PV XJMM IBWF UP NBLF B EPXOQBZNFOU EPXOQBZNFOU PG BU MFBTU QFSDFOU PG UIF IPNF QVSDIBTF QVSDIBTF QSJDF 'SFEEJF .BD T .BD T QFSDFOU F UP RVBMJGZ GPS B NPSUHBHF UIBU NFFUT 'SFEEJF QFSDFOU SFRVJSFNFOUT BSF BCMF UP QVU EPXO E QFSDFOU PS NPSF NPSF ZPV DBO BWPJE SFRVJSFNFOUT *G ZPV BSF E IBWJOH UP QBZ QSJWBUF NPSUHBHF JOTVSBODF 1.* 1.** SFEVDJOH SFEVDJOH ZPVS NPOUIMZ NPSUHBHF QBZNFOU QBZN NFOU t The type of home your are are purchasing. purchas sing. *G ZPV BSF BSF MPPLJOH UP CVZ B DPOEPNJOJVN DPOEPN NJOJVN LFFQ BSF UZQJDBMMZ IJHIFSS GPS UIFTF MPBOT BOE ZPV MM IBWF UP CVEHFU CVEH GPS UIF JO NJOE UIBU SBUFT BSF HFU GPS DPTU PG ZPVS NPOUIMZ DPOEPNJOJVN GFF GF FF t Your Your current current lifestyle and future future plans. pla ans. :PV :P PV TIPVME DPOTJEFS ZPVS DVSSFOU DVSSFOU MJWJOH MJWWJOH TUBOEBSET TUBOEBSET BT XFMM BT BOZ GVUVSF GVUVSF NBKPS NBKP PS FYQFOTFT TVDI BT B XFEEJOH PS DPMMFHF DPMMFH HF UVJUJPO "OE SFNFNCFS C XIBU I U ZPV DBO DPNGPSUBCMZ D G U CM BGGPSE BGGGPS U E OPUU ýWF UPEBZ ý ZFBST GSPN OPX " E SFNFNCFS C CVZ G E UPEBZ G PN OPX GS t Fees and closing costs. 3FNFNCFSS UP GBDUPS JO UIF FYQFOTFT BOE GFFT ZPV XJMM JODVS GPS B IPNF BQQSBJTBM B IPNF JOTQFDUJPO JOTQFDUUJPO BOE PUIFS QSPGFTTJPOBM QSPGFTTJPOBM TFSWJDFT SFRVJSFE SFRVJSFE UP CVZ B IPNF

KEY RA RATIOS ATIOS LENDERS LENDE ERS USE

Multi-Purpose Rooms Sometimes space dictates that each room in the house cannot be dedicated to just one purpose, but combining multiple spaces – such as a home

RI¿FH DQG FUDIW URRP GHQ RU VWRUDJH area – can often lead to clutter accumulating. Start by organizing things into piles based on which part of the space is best suited for each item. An option like a Realspace Mezza Mobile File cabinet can help you ¿OH DZD\ GRFXPHQWV DQG E\ DOLJQLQJ multiple cabinets together, serves as a versatile workspace, craft area or television stand. Also, take time to check for broken items or ones you haven’t used in a while and determine what can be repaired, donated or discarded. Once everything has been properly sorted, store any items that didn’t previously have a home. Hanging items that are used often for crafting is one way to make creative use of your space and free up space for additional furniture or storage, such as shelving or attractive totes. Find more storage and organization VROXWLRQV DW 2I¿FH 'HSRW DQG 2I¿FH0D[ VWRUHV RU RQOLQH DW 2I¿FH'HSRW FRP

Subject T To o Change Chan nge Upon Short Notice Notiice

tY Your our annual gr gross oss income. : :PV PV DBO P O HFU B WFSZ SSPVHI PVHI FTUJNBUF PG ZPVS BG BGGPSEBCMF GPSEBCMF E HSPTT FYBNQMF IPNF QSJDF SBOHF CZ NVMUJQMZJOH ZPVSS BOOVBM HS PTT JODPNF CZ 'PS FYBN QMF JG ZPVS BOOVBM HSPTT HSPTT JODPNF JT ZPV NBZ CF BCMF UP BGGPSE BGGPSE B IPNF XPSUI UIJT DVSSFOU JOUFSFTU JOUFSFTU SBUFT ZPVS EFCU BOE DSFEJU DSFEJU IJTUPSZ

IJTUPSZ

WBSJFT EFQFOEJOH PO DVSSFOU

F t Current Current mortgage rates. .PSUHBHF SBUFT DIBOHF DPOTUBOUMZ CBTFE PO UIF FDPOPNJD :PV GBDUPST UIBU BGGFDU BGGFDU UIF EFNBOE GPS NPSUHBHFT NP 'SFEEJF .BD . :P PSUHBHFT BNPOH JOWFTUPST MJLF 'SFEEJF PV DBO USBDL NPSUHBHF SBUF USFOET USFOET CZ GPMMPXJOH GPMMPXJJOH 'SFEEJF 'SFEEJF .BD T .BD T 1SJNBSZ .PSUHBHF .BSLFU .B 4VSWFZ BSLFU 4VSWFZ

big difference is organizing items that exceed the storage capacity of your furniture. In the bedroom itself, a trunk at the foot of the bed or a wardrobe organizer that complements your other furnishings is a smart bet. In the closet, you can repurpose FRPPRQ RIÂżFH VXSSOLHV DQG RUJDQL]HUV to make the most of limited space. For example, adhesive hooks are perfect for handbags, necklaces and scarves. /LJKWZHLJKW VKHOYLQJ RU FXEELHV PDNH LW HDV\ WR FRQÂżQH VKRHV DQG IRU DQ assortment of accessories and knickknacks, try stacking plastic bins. Another idea to maximize drawer space in your dresser: move undergarments and socks into a portable storage cart ZLWK WUD\V RU GUDZHUV WKDW ÂżWV QHDWO\ LQ the closet.

MORTGAGE MOR TGA AGE RA RATES ATES T

Determining how much “home you can af afford� a ford� depends on several important factors tors including:

t Your Your credit credit history and score. score. :PVS :P PVS DSFEJU DSFEJU DBO BGGFDU BGGFDU ZPVS BCJMJUZ UP RVBMJGZ GPS GP PS B #FGPSF ZPV TIPQ GPS B IPVTF PS B NPSUHBHF NPSUHBH HF ýOE PVU NPSUHBHF BOE ZPVS NPSUHBHF SBUF #FGPSF XIBU ZPVS DSFEJU DSFEJU TDPSF TDPSF JT CZ WJTJUJOH XXX BOOVBMDSFEJUSFQPSU DPN X BOOVBMDSFEJUSFQPSU DPN PS DBMMJOH XXX Be sure surre to do this once on scorre can be negatively ne nce a year because your score egatively affected if pulled too often.

SUNDAY, APRIL 2, 2017 • 5C

30-YEAR FIXED RAATE RATE

15-YEAR 1-YEARR ADJUST ADJUSTABLE TABLE RATE RAATE (No Points) FHAA and/or or VA VA (30-Y (30-Year) Year) FHAA and/or VA VA (15-Y (15-Year) Year) FIXED Life of USDA yr.. Po yr.. Points RAATE Rate Annual Loan Margin 30 yr RATE Points oints 15 yr 100%

LENDER ER

(No Points)

(No Points)

AB&T Nantional Bank 229-446-2265 5

4.00

3.25

4.25

Rate

Rate

Cap

Cap

-

-

-

-

3.75

0

3.375

0

3.75

3.625

-

-

-

-

3.75

0

3.50

0

3.875

4.125

3.50

-

-

-

-

3.75

0

3.50

0

4.250

3.25

-

-

-

-

3.875

-

-

-

0

4.00

3.250

-

-

-

-

3.75

0

3.5

0

3.75

4.25

3.375

-

-

-

-

3.75

-

3.50

-

-

yr.. 30 yr

Last Update 03/31/2017 /2017

Ameris 229-434-4555 5 Last Update 10/13/2016 /2016

Flint Community Bank 229-903-1400 0 Last Update 02/23/2017 /2017

Suntrust Mortgag Mortgage ge Inc. 229-430-5494 4 Last Update 03/31/2017 /2017

M t age Synovus Mortgage S 229-430-7037 7 Last Update 03/31/2017 /2017

Bank of Camilla lla 229-294-2068 8 Last Update 02/09/2017 /2017

5P 5 P EFUFSNJOF IPX NVDI ZPV DBO BG BGGPSE GPSE E JU JT IFMQGVM UP GPMMPX UIF HVJEBODF BOE E LFZ SBUJPT MFOEFST VTF t Housing Expense Ratio. -FOEFST SFDPNNFOE SFDPNNFOE UIBU ZPVS NPSUHBHF QBZNFOU JOUFSFTU UBYFT BOE NPSUHBHF NPSUHBHF JOTVSBODF CF MFTT UIBO QFSDFOU QFSDFOU PG P ZPVS QSJODJQBM JOUFSFTU NPOUIMZ HSPTT HSPTT JODPNF t Debt-to-Income Ratio -FOEFST MPPL L UP TFF UIBU BMM ZPVS PUIFS EFCUT DSFEJU DSFEJU DBSET DBSET BMJNPOZ DIJME TVQQPSU TVQQPSUU DBS MPBOT BOE IPVTJOH FYQFOTFT BSF BSF MFTT MF FTT UIBO TUVEFOU MPBOT BMJNPOZ QFSDFOU PG ZPVS NPOUIMZ HSPTT HSPTT JODPNF QFSDFOU

3BUFT DBO CF SSFEVDFE F FEVDFE XJUI EJTDPVOU QPJOUT 3B 3BUFT BUFT BS BSF F TVCKFDU UP DIBOHF VQP VQPO O TIPSU OPUJDF BOE EJTDPVOU DIBOHF GSFRVFOUMZ QFSDFOUBHF QPJOUT DPVME DIB BOHF GS FRVFOUMZ 0OF EJTDPVOU QPJOU Q JT FRVBM UP POF QFS DFOUBH HF QPJOU PG UIF MPBO BNPVOU XIFO MFOEFST QSPHSBNT ORIGINATION BOE JT QBJE XI FO UIF MPBO JT DMPTFE .PTU MF FOEFST IBWF B WBSJFUZ PG QS PHSSBNT ORIGINA ATION FEE IS NORMALLY POINT, VARY. BNPVOU NORMALL LY ONE ON NE ADDITIONAL POINT T, BUT CAN V AR RY. .BYJNVN BNPVO OU GPS DPOWFOUJPOBM MPBO JT To T o Participate P in the column, call 888-9333. For information on on specific mortgage programs The Lender. pr ograms call Th he Lender r.

MORTGAGE M ORTGAGE PAYMENTS PAY YMENTS MENTS CALCULATOR CALCU CALCULA ULA ATOR

For Mor More e Informatio Information on t Check out our Who’ Who’s s Who Lenders s page and Contact one of these expert ert more lenders for mor e information

љђŃ?ŃĄŃ&#x;Ń–Ń?ŃŽŃ™ љђŃ?ŃĄ Ń&#x;Ń–Ń?ŃŽŃ™ Ó• ŃŽѥѢŃ&#x;ŃŽŃ™ ŃŽѥѢŃ&#x;ŃŽŃ™ ŃŽŃ ŃœŃšŃ?юћіђŃ

Â’Â?¢ ˜Â? •‹Š—¢ ŞŞřȏŞřřŖ ŞŞř ŞřřŖ

Ž˜›Â?’Š ˜ Ž› ˜  Ž› ĹšĹ™ĹœČŹĹ™Ĺ™Ĺ–Ĺš ĹšĹ™Ĺœ řřŖŚŚ

Â’Â?Œ‘Ž•• ž–Â?Ž› ž– –Â?Ž› ĹšĹ™ĹœČŹĹ–Ĺ–Ĺ?Ĺ– Ĺ?Ĺ›Ĺ&#x;ČŹĹ˜Ĺ˜Ĺ&#x;Ĺ— ĹšĹ™Ĺœ Ĺ–Ĺ–Ĺ?Ĺ– Ĺ?śśĹ&#x;ČŹĹ˜Ĺ˜Ĺ&#x;Ĺ— Ĺ›Ĺ&#x; Ĺ˜Ĺ˜Ĺ&#x;Ĺ— ђљђŃ?Ń•ŃœŃ›Ń’ AT&T AT T&T Residential 888-757-6500 žœ’—Žœœ ĹžĹœĹœČŹĹœĹ˜Ĺ–ČŹĹœĹ–Ĺ–Ĺ– Â Â Â ÇŻÂŠÄ´ÇŻÂŒÂ˜Â–

ћѥђŃ&#x;ћђѥ ћѥ Ń’Ń&#x; Ń&#x;ћђѥ Ń&#x;ŃœŃŁŃ–Ń‘Ń’Ń&#x;Ń

Ç­ Ç­ Çť ’Š•ȏž™ ĹžĹ–Ĺ–ČŹĹšĹ™ĹœČŹĹžĹœ ĹžĹ–Ĺ–ČŹĹšĹ™ĹœČŹĹžĹœĹ™ĹžÇź ĹœĹ™ĹžÇź Çť ĹžĹ–Ĺ–ČŹĹ˜ĹœĹ™ČŹĹ–Ĺ˜ĹšĹ—Çź    ǯÂŠÄ´ÇŻÂŒÂ˜Â–    ǯÂŠÄ´ÇŻÂŒÂ˜Â– •Š—Â?Ž• •Š—Â?Ž• Ĺ—ČŹĹžĹ–Ĺ–ČŹĹ™ĹšĹ˜ČŹĹ?Ĺ›ĹœĹš Ĺ—ČŹĹžĹ–Ĺ–ČŹĹ™ĹšĹ˜ Ĺ˜ČŹĹ?Ĺ›ĹœĹš ž›Â? ˜žÂ?‘ ĹžĹ?ĹžČŹĹœĹ–Ĺ–Ĺž Ń’Ń?ŃŚŃ?љіћє ŽŽ™ •‹Š •‹Š—¢ȏ ˜žÂ?‘Ž›Â?¢ Š—¢ȏ ˜žÂ?‘Ž›Â?¢ ŽŠžÂ?Â’Â?ž• ĹšĹ™Ĺ–ČŹĹ›Ĺ˜ ĹšĹ™Ĺ–ČŹĹ›Ĺ˜Ĺ›Ĺ? Ĺ˜Ĺ›Ĺ?

Ń?Ń•ŃœŃœŃ™ Ń?Ń•ŃœŃœ ŃœŃ™ Ń›Ń“ŃœŃ&#x;ŃšŃŽŃĄŃ–ŃœŃ›

˜žÂ?‘Ž›Â?¢ ˜ž—Â?¢ ž‹•’Œ Œ‘˜ Œ‘˜˜• ˜˜• ¢ÂœÂ?Ž– ÂŽÂŽ ˜ž—Â?¢ Œ‘˜˜ Œ‘˜˜• ˜• ¢ÂœÂ?Ž– ĹšĹ™Ĺ—ČŹĹ—Ĺ˜ĹœĹš Ĺ˜Ĺ˜Ĺ&#x;ČŹĹ&#x;Ĺ–Ĺ™ČŹĹ˜Ĺ—Ĺ–Ĺ– Ĺ˜Ĺ˜Ĺ&#x;ČŹĹ&#x;Ĺ–Ĺ™ČŹĹ˜Ĺ— Ĺ–Ĺ– юіљь Ń’Ń¤Ń Ń?ŃŽŃ?Ń’ Ń’Ń¤Ń Ń?ŃŽŃ?Ń’Ń&#x; Ń’Ń&#x; ÇťÂŒÂ’Â›ÂŒÂžÂ•ÂŠÂ?’˜— Â?Ž™Â?ÇŻÇź Â?Ž™Â? Çź ŞŞŞ ŞŞŞȏĹ&#x;Ĺ™Ĺ˜Ĺ˜ Ĺ&#x;Ĺ™Ĺ˜Ĺ˜

ŃĄŃ•Ń’Ń&#x; Ńš ŃšŃ?ŃœŃ&#x;ѥюћѥ ŃšŃ?ŃœŃ&#x;ѥюћѥ ѢŃšŃ?Ń’Ń&#x;Ń Ń˘ŃšŃ?Ń’Ń&#x;Ń

›’Â&#x;ÂŽÂ›Č‚Âœ Â’ÂŒ ›’Â&#x;ÂŽÂ›Č‚Âœ ’ŒŽ—œŽ ŒŽ—œŽ ž›ŽŠž ĹšĹ™Ĺ–ČŹĹšĹ˜Ĺ›Ĺ— ž žÂ?˜–˜Â?Â’Â&#x; Â&#x;ÂŽ ŠÂ? ŠÂ? ĜŒŽ ĹšĹ™Ĺ—ČŹĹ™Ĺ˜Ĺ›Ĺ› žÂ?˜–˜Â?Â’Â&#x;ÂŽ ÂŽÂŽÂ?Â’ÂœÂ?›ŠÂ?’˜— ĹšĹ™Ĺ—ČŹĹ™Ĺ˜ĹšĹ? ˜Â?Ž› ÂŽÂ?Â’ÂœÂ?›ŠÂ?’˜— ˜››ŽŒÂ? ’–Ž ĹšĹ™ĹœČŹĹœĹ—Ĺ˜Ĺ— ˜››ŽŒÂ? •‹Š—¢ȏ ˜žÂ?‘Ž›Â?¢ ‘Š–‹Ž› ˜Â? ˜––Ž›ŒŽ ŚřŚȏŞĹ?Ĺ–Ĺ–Ĺ–

To T o Advertise in i SWGA Home contact Debi Griffin at 888-7653 3 or debi.griffin@albanyher debi.griffin@albanyherald.com rald.com a 478840-1

Monthly inter interest, es st, interest interest payments for 30-year, 30-yearr, fixed xed rate mortgage. Escrow Escrow payments nts for taxes, insurance not are rrounded ounded to the nearest nearest dollar included. Payments are dollar..

$50,000 60 000 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% 3 5.00 0% 5.25% 5.50% 232 255 27 71 277 239 247 263 271 284 278 303 319 327 287 295 311 319 332 325 355 37 75 387 335 345 365 375 398 371 403 42 23 442 382 393 413 423 455 417 458 48 86 497 430 444 472 486 512 464 506 53 34 497 478 492 520 534 512 510 558 59 90 553 526 542 574 590 568 556 609 64 45 608 573 591 627 645 625 603 661 70 00 663 621 641 681 700 682 649 709 74 49 718 669 689 729 749 739 695 760 80 04 774 717 738 782 804 795 741 812 86 60 829 764 788 836 860 852 788 860 90 08 884 812 836 884 908 909 834 912 96 64 939 860 886 938 964 966 880 964 102 20 1050 908 936 992 1020 1079 927 1011 106 67 1105 955 984 1044 1067 1136


6C • SUNDAY, APRIL 2, 2017

albanyherald.com

Experts Can Help Investors Profit On

Marty O’Malley, CEO of Deer Park Development Corporation, noted that the current real estate market represents a once-in-a-lifetime opportunity for the astute buyer. “With one in every 360 homes in foreclosure nationwide, the opportunity to buy distressed property at significant discounts to their original appraisals is extensive,” said O’Malley. “In Clark County, Nev., one in every eighty homes is in foreclosure, and on top of those statistics, one in every two homes is underwater, meaning that it’s not worth the amount of money owed on it.”

FORECLOSED PROPERTIES. (NewsUSA) -

To some, the current real estate market looks dismal. A weak labor market, rising mortgage rates and high energy prices have caused many American homeowners to lose their properties. To others, the real With this amount of inventory on the estate markets looks ripe for investment. market, there are situations out there that present themselves as profitable ventures. Deer Park Development Corporation, a Not all of the foreclosures are moneycompany with over 30 years of experience making deals, but with experience, in the real estate market, has developed a professional investors know when and new approach for investors hoping to what to buy, so they can make successful purchase and resell foreclosed properties ventures. for profit. Foreclosed houses sell at lower prices, helping investors buy properties Being an individual investor in the real with less money upfront. In the past, estate market can be a dangerous housing prices reflected overinflation -; as proposition for the inexperienced. But the market evens out, the mortgage crisis investors, in tying themselves to a group might actually help stabilize home prices. of experienced real estate players, can use

experts’ hard-earned knowledge to turn a profit in the down real estate market. “Allowing individual investors to participate in ownership through direct partnership creates a risk-free vehicle for foreclosure players to work with,” said O’Malley, For additional information, visit Deer Park Development Corporation’s Web site at deerparkdevelopmentcorp.com or contact Capital Group Advisors at 954-297-0706.

Foreclosures Open Up New Market

Who’s W ho’ss W Who h ho Mortgage Lending IIn nM ortgage g L ending e end i ing Lay L ay tthe he F Foundation oundation ffor or a Fi Financially inanciallly Secure Securee Future Futuree w with ith the the Right Right M Mortgage 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

284861-1

284857-1

284862 1 284862-1

BANK OF CAMILLA

2301 Dawson RD., Suite 300 Albany, GA. 31707 www.bankofcamilla.net

DŽǀĞ ŽŶ ƚŽ Ă ŶĞǁ ƌĞůĂƟŽŶƐŚŝƉ͘

284854-1

440992-1 440992 44 1

&&Žƌ Žƌ ĂĚĚŝƟŽŶĂů ĂĚĚŝƟŽŶĂĂů ŝŶĨŽƌŵĂƟŽŶ͗ ŝŶĨŽƌŵĂ Ž ƟŽŶ͗

284856-1

Jan Phillip Phillipss

284858-1

Call Debi Griffin @ 888-7653 to place your Mortgage Company Ad Here 284865-1

>ŽĂŶ ŽŶƐƵůƚ ŽŶƐƵůƚĂŶƚ ĂŶƚ ^ƵŶd dƌƵƐ ƌ ƚ DŽƌƚŐ ĂŐĞ͕ /ŶĐ͘ ^ƵŶdƌƵƐƚ DŽƌƚŐĂŐĞ͕ ϮϮϵ͘ϱϭϴ͘ϱϯϭϱ ϮϮϵ͘ϰϯϬ͘ϱϴϮϬ &&Ădž Ădž E ED>^Zη D>^Zη ϲϱϴϵϴϮ

Beverly B everly Br Brown own

>ŽĂŶ ŽŶƐƵůƚ ŽŶƐƵůƚĂŶƚ ĂŶƚ ^ƵŶd ^ƵŶdƌƵƐƚ dƌƵƐ ƌ ƚ DŽƌƚŐ DŽƌƚŐĂŐĞ͕ ĂŐĞ͕ /ŶĐ͘ ϮϮϵ͘ϱϭϴ͘ϱϯϰϲ KĸĐĞ ϮϮϵ͘ϰϯϬ͘ϱϱϮϯ &&Ădž Ădž ďĞ ďĞǀĞƌůLJ͘ďƌŽǁŶΛƐƵŶƚƌƵƐƚ͘ĐŽŵ ǀĞƌůLJ͘ďƌŽǁŶΛƐƵŶƚƌƵƐƚ͘ĐŽŵ ŵ E ED>^Zη D>^Zη ϭϭϬϭϰϮϱ

284864-1


ALB_040217_Class_re_Layout 1 03/30/17 7:06 PM Page 7

HOMES HOMES Southwest Georgia

Real Estate for Rent

Mobile Homes

Acreage........................................650 Commercial Property...................651 Condominiums/Townhouses............652 Duplexes......................................653 Furnished Apartments..................656 Furnished Homes.........................657 Hunting Leases............................658

For Rent.......................................600 For Sale.......................................601 Lots for Rent................................602 Lots for Sale................................603 Supplies/Equipment.....................604

202 Houses for Sale ALBANY GA, 1313 Ninth Ave., 3 bdr, 1 bth, 1318 sq. ft., home with central heat & air. The Estate of John Turner, selling at auction, Wednesday, April 26th at 2:00 pm. Selling on site, call 229-436-2733, for an appointment, visit www. jdurhamauctions.com, for more information . J.DURHAM & ASSOC. G.A.L. #1120 FSBO: 1019 NELMS RD., REDUCED, $135,500. 4BR/4BA, Kitchen, DR, Den, Formal LR, 2323 sqft, See Photos www.zillow. com or www.trulia.com 229-903-1725 OR Steve 931-2090213 or Debbie 931-209-4949

Lee Co. 181 Huntingdon Dr., 3/2, split design, granite/ tile throughout, large master suite, custom cherry cabinets throughout, fireplace, all major appliances, garage, family oriented $1,150 ~ 344-3215

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

Medical • Dental Fitness • Insurance Medical Supplies Pharmacy • Tips Education Training

FREE COPY TODAY

Gardnerr, Whiting, & Malone 2BR/1BA $325/$150 The Willows Apartments 2BR/1BA-$515/$300 3BR/2BA-$595/$300

Amber Jeffcoat Classified Sales Manager 888-9343

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

248 Apt/Dupl/Condo/ T’homs for Rent

1203 WHISPERING PINES ALBANY, GA 31707 MORE A AV VAILABLE WWW.RENT TALBANYGA.COM MON-FRI 9AM-5PM

C a l l A m b e r Fo r A l l Yo u r C l a s s i f i e d Ad v e r t i s i n g Ne e d s 8 8 8 - 9 3 4 3

122-A Joiner 2BR/1BA $475/$350(Lee Co)

2723 MCLAIN Ln. 2BR/2BA $725/MO $70 0 dep. APARTMENTS 701 #12 9th Ave 1BR/1BA $295/$20 0(SPECIAL) 2024 OGLETHORPE #5, #9, #24 2BR/1BA $495/$40 0(SPECIAL) 10 0-C WINDING Wa ay 3BR/2BA $625/$495 (SPECIAL)

1217 N. Madison 3BR/2BA $850/$500

3BR DW 1988, Approx 1/2 acre, Worthy Manor Subdv, Chainlink fence, 3 storage buildings. $30,000. Call 229-449-6250

2302-A Jim Stokes 3BR/2BA $725/$400 (Special)

Reach Approximately 300,000 SW Georgia Readers in print & online

2708 Homewood Court #B 3BR/1BA $425/$300

CALL TODAY FOR DETAILS

1001 N. Madison #16 & #17 2BR/1BA $395/$250

229.888.9319

Sponsored by: SCNI Southern Community Newspapers, Inc.

1219-E Parker 2BR/1BA $395/$200

Lake/River/Coastal 218 Prop for Sale

128-A Old Mail Rd 2BR/1BA $600/$300 (Worth Co)

1307 McKenzie 3BR/1.5BA $595/$350 509-B Haley 2BR/1BA $425/$300 1202 W. W. Lincoln 3BR/1BA $575/$350 2308 Old Dominion Ct 3BR/2BA $725/$400

78566-1

1004 -B Crawford 2BR/1BA $325/$200 520 Louis 3BR/1BA $495/$300

2211 #16 Gillionville Rd. 1BR/1BA $50 0/MO $40 0 dep (Special)

Let THE ALBANY HERALD CLASSIFIEDS Work for You! Remember to place your yard sale!

Van Bure 1406 S Van en 3BR/1BA $450/$450

REAL ESTATE

3115-B FERNRIDGE Dr. 3BR/2BA $675/$575 (SPECIAL)

1108-B 4TH Ave 2BR/1BA $450/$350(SPECIAL)

960 South St 4BR/2BA $625/$400

Homes & 210 Mobile Lots for Sale

DUPLEXES/ TRIPLEXES / QUADS

905-B TIFT Ave. 1BR/1BA $295/$295

MONTHLY M O N T H LY MAGAZINE M AG A Z I N E

2801-C Partridge 2BR/1.5BA $525/$300

248 Apt/Dupl/Condo/ T’homs for Rent

DO YOUR SHARE

h e a l t h beat health beat

2806 Reeves 3BR/2BA $900/$500

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

SW GEORGIA S WG EORGIA

2504 Elton 2BR/2.5BA $775/$500

Worth Sylvester 3BR 2BA Beautiful home in a great area. Large eat-in kitchen with walk in pantry. Separate dining room. Updated flooring and Trane HVAC unit. Large, fenced back yard with landscaping. $127,000 obo Contact owners by call or text at 229-3475685 or 229-869-6639.

Lake Blackshear 5BR/3BA This large 5 bedroom 3 bath home is full of large rooms and tons of storage. It is located on open water north of the Highway 280 bridge. Includes a double boat house w/ electric lifts and a large dock. Whether you want to fish, swim or enjoy water sports, this is the perfect location to be. For more information call (229) 378-0945. $350,000

Debi Griffin Multimedia Real Estate Rep 888-7653

Pick Up Your

LOOK AT ME! 2250 SQFT, Ready to move in, Hardwood floors, new appliances, Extra big lot, fenced with deck. Almost New CH&A & roof. $109,900 by owner. Call 886-2413 for directions.

MOBILE HOME for Sale With or without land. Doublewide, 3BD/2BA, East Albany. Ready to move in! With land $45,000, without land $35,000. (229) 886-7107

SUNDAY, APRIL 2, 2017 • 7C

Display Ad Deadline: Wednesday, Noon Display - Debi Griffin 888-7653 Debi.Griffin@albanyherald.com

248 Apt/Dupl/Condo/ T’homs for Rent

240 Houses for Rent

REAL ESTATE

albanyherald.com

1, 2 & 3/BR

Call (229) 888-9333 or E-mail: class@albanyherald.com

*HOUSES* 1304 HIGHLAND Ave. 3BR/1BA $525/$425 (SPECIAL) 1813 GORDON Ave. 3BR/1BA $485/$385(SPECIAL) 1903 FULTON Ave. 3BR/1BA $650/$650 1231 ASKEW Dr., Daw wson 3BR/2BA (SPECIAL) $750/$650 1705 ANN Ave 3BR/1BA $485/$40 0 (SPECIAL) 510 FLORENCE Dr. 2BR/1BA $350/MO $30 0 dep. WA 149 W AT TER Oak Dr. 3BR/2BA $1435MO/$1350 DEP. (Special)

APARTMENTS NOTTINGHAM APARTMENTS

240 Houses for Rent LAKE BLACKSHEAR House for Rent. 2BD/2BA, 1250 sq. ft., 195 ft. seawall, 25 ft. dock $1,100/Mo. & $1,100/D. Call (912) 506-3162 LAKE PARK 4BR/2BA, No Pets, Smoking or Graffa. (229) 432-1551

248 Apt/Dupl/Condo/ T’homs for Rent 2BR/1BA, LR, furnished kitchen, private, quiet, $650/mo + dep. Call 229-395-2624

1, 2 & 3/BR

Need to Sell a Car? Want to Buy to a Car? Check Out the Classifieds 888-9333

229-432-9351

478834-1

APARTMENTS NOTTINGHAM APARTMENTS

229-432-9351

478835-1

Roommate Wanted/ 262 Room for Rent CLEAN FURNISHED ROOMS $125 per week. Utilities included. NO DRUGS. Call Becca (229) 344-5977 ROOMMATE WANTED Share Expenses, 3BR House, Must have References. Call (229) 881-1377

Wededd W ddidiinnng Annnnouunnncecem emmenents

229-420-8929 EXT. 2101

478675-1

911 MERCEDES 3 BD/1 BA $400 DEP/$400 RENT FRESHLY PAINTED/ NEW CARPET

The T he de ea ad dline line in ne for ffo or Sunday’ Su S und nd day ay y’’’ss p pu publication ub blliic cat attiio on is no n later lla atter er than tha an Monday Mo on o nd day ay at noon no n oo on prior prriior p or to t the the Su S unda day ay of o desir des de essiirred red d insertion. insertion. se errti tio io on n. All Alll announcements A an a nn no ou unc nce ce em me en nts ts must mus m usst be b pr prrepaid. epaid. d.


8C • SUNDAY, APRIL 2, 2017

albanyherald.com

Raising the Bar for Homeowner Rights (NewsUSA) If you belong to one of the nation’s estimated 300,000 homeowner or condominium associations, there is a good chance that you are content with your living arrangement. National surveys show that most of the 60 million Americans who live in homeowner and condominium associations are happy in their communities -; but not all association boards govern as responsibly as they should. When mismanaged, this lack of responsibility can lead to homeowner frustration, factional conflict and, in the worst cases, expensive lawsuits.

in 100 boards are underperforming, at least 15,000 associations are not reaching their full potential.

That’s where Governance Guidelines, recently developed by Community Associations Institute (CAI), come into play. These guidelines can help community association boards identify and meet basic benchmarks of responsible governance -; the cornerstone of a successful community. A number of potential problem areas, including annual meetings, rules, grievances, appeals, assessments and more, are addressed by the guidelines, which A national research study, conducted can help associations increase by Zogby International, showed that homeowner satisfaction. close to nine out of every 10 community association residents CAI says that their guidelines can believe their elected homeowner enlighten boards, prompt board members strive to serve the constructive community dialogue and best interests of the community. lead to more responsible, responsive While this statistic may seem and transparent governance -; not to overwhelmingly positive, if only five mention more content homeowners. OPEN HOUSE

“There are a number of communities, especially new and struggling associations, which can benefit from these guidelines,� said Thomas Skiba, chief executive officer of the non-profit CAI, which currently has 29,000 members. “We know there are community association boards that need to be reminded that residents deserve to have their reasonable expectations met.� Communities that want to move beyond the Governance Guidelines can adopt Rights and Responsibilities for Better Communities -; 42 principles and practices designed to help association-governed communities promote harmony, enhance communication and reduce the potential for conflict. The program spells out rights and responsibilities for both residents and community association leaders. For more information, visit www.caionline.org.

2-4SUN PM

1913 Covey Travel west on Gillionville Rd, right on Covey, house on left.

t .-4 t #3 #" t 4'

JANICE WESTER 869-8822 COLDWELL BANKER WALDEN AND KIRKLAND, INC. 436-8811

COMMUNITY ASSOCIATIONS INSTITUTE (CAI) HAS DEVELOPED NEW GOVERNANCE GUIDELINES TO HELP HOMEOWNERS.

HOMES H OMES S FOR FOR SALE 217 Sunrise, 3BR, 1.5BA, $57,000 111 Northampton, 4BR, 2BA, Pool, $185,000 514 M Mer e ce cE cer ((Commercial CN mDIN mmer ccial aNG al 3G Mercer (Commer Commer l C3) C C33) ) 4298 442298 SF, SFF,, $35,0000 PENDING PE PEN PEND P EN ND DrI DI IN ING N 5601 IrIronwood onwoodd (vacant ( t lot), l t) 3.34 3 34 acres, acres, $55,000 00 Jefferson (commercial 208 S. Jef fferson (commer cial bldg), 3505 SF, SFF, $45,000 $ 906 Holloway Holloway,, 3BR ,1BA, $50,000 2904 AAveritt veritt 3BR 2BA $90,000 1207 Hampton Ct 2BR 1.5BA $38,000 1209 Colquitt 2BR 1bath $17,900 2931 Stonewater 3BR 2BA $123,000 5006 GA Hwy 300 (vacant land) 3 acr es $27,500 00 acres 3102 TTreasure reasure (Mobile home) 3BR 2BA $14,900 00 1120 Gillespie 3BR 1BA $32,000 (Investor liquidating call for complplete list) 502 Rosenber Rosenbergg 2BR 1BA $22,000

3418 AAr Arist Aristedes isttedes eedes desL s 33BR 3B B 11BA $45,000 BR SOL S SO SOLD LD 1410 Gill Gille G Gillespie espie spie pieeL 2B 2BR BR 1 Ba $19,900 Ses SOLD OL LD 91290 US Hwy 27N(Cuthbert), 3BR R 2BA $5,000 188 Seabr Seabrook ook (vacant land, Sylvester) 11.6 1.6 AC $34,900 102 Clearview lP eearview rview vEN iiewN (mobile ((moobile oD bileI hhome) oN ome) e))G 3br 2ba ba $10,300 PENDING ND DI IN NG 514 Whitney 3BR 2BA $16,990 4819 Strawberry(Pelham) 4Br 2BA $82,000 NDI PE PEN PEND P EN E ND N DI D IN N 2412 PENDING W AAlberson berrson sonnDIN 4BR RI 2.5 2NG 5 BA BG$131,900 $ 1,900 3972 H Hwy yEN 82 8 ND 4BR 4 RD 3BAAI $$78,900 ,900 9G N PE PENDING P DI IN NG 1321 Augusta Dr 3BR 2BA $80,900 206 Barfield 4BR 1 BA $24,900 142 Laur elbrook 4BR 2BA $107,0000 Laurelbrook 126 White Horse 4BR 2.5BA $199,900 900

Ann A nn Thomas Thomas GRI

436-6628

FOR RENT RENT:: 620 Lincoln 3BR 2BA $650 per month.

478799-1

478870-1

478674-1

8FMM NBJOUBJOFE IPNF JO /8 "MCBOZ PO BDSF DPSOFS MPU 'PSNBM -3 -SH EFO LJU X TUBJOMFTT BQQMJBODFT TVO SPPN PWFSMPPLJOH HVOJUF QPPM

2500 DOUBLETREE CT

3017 EMBER CT

2299 BEATTIE RD

$339,000 DOUBLEGATE WEST, DOUGHERTY 4BR / 3F 2H BA 4210 SQFT Southern Living! Beautiful wood flrs, 2 fireplaces, Sunroom, covered porch!

$152,900 WESTWOOD, DOUGHERTY 3BR / 2BA 1749 SQFT Great Find! Split floor plan, spacious rooms, Fireplace, Sunroom.

$126,900 PLANTATION HILLS, DOUGHERTY 3BR / 2BA 1660 SQFT Lake Park School Zone! New flooring, bonus room, 2 car garage!

MIKE FLYNN 376-2361

DIANNE BARLOW 886-4777

MLS# 137815

MLS# 137581

WILLIAM JACKSON 344-3029

NEW LISTING

NEW LISTING

NEW LISTING

3807 MAYFAIR LANE

1110 BAKER AVE

109 LEIGHTON DRIVE

$172,000 ST ANDREWS, DOUGHERTY 6BR / 4BA 3748 SQFT DUPLEX Great investment opportunity! One side rented for $725/mo.

$124,000 DOUGHERTY COUNTY 2932 SQFT COMMERCIAL BUILDING Lots of Possibilities! Hardwood flrs, HVAC.

$134,900 NORTH HIGHLAND CROSSING, LEE COUNTY 3BR / 2BA 1440 SQFT All brick! New carpet & HVAC! Double garage

SUSIE HARDIN 291-3977

BURTON NEWCOMB 886-1179

MARK DANIELS 347-3454

MLS# 138182

MLS# 138184

MLS# 138156

478563-1

MLS# 136281


Turn static files into dynamic content formats.

Create a flipbook
Issuu converts static files into: digital portfolios, online yearbooks, online catalogs, digital photo albums and more. Sign up and create your flipbook.