SWGA HOMES 04/15/18

HOMES

4C • SUNDAY, APRIL 15 2018

albanyherald.com

Southwest Georgia

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ALBANY | AMERICUS | BAINBRIDGE | CORDELE | MOULTRIE | SYLVESTER | TIFTON

FEATURE HOME This Week’s

Debbie Fulford

ReMax of Albany Inc. Associate Broker, CRS, ABR

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229-317-4126 - Office 229-343-4200 - Mobile debfulford@gmail.com www.remaxofalbany.com

Allan Willcox Willcox Realty LLC Associate Broker

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229-435-1717 - Office 229-886-2828 - Cell allanwillcox@gmail.com www.willcoxrealty.com

SWGA Selling Team ERA All In One Realty Realtors

Jean Shiver 229-347-0221 Jeanshiver@gmail.com 542338-1

Blake Williams 229-560-4068 Blake.Williams@era.com

HOMES Southwest Georgia

4 BR | 3 BA | 2950 SF

This thoughtfully designed farmhouse style home will be ready just in time for Spring. This property is located in Hidden Hill, a pedestrian friendly gated community of well maintained homes. It is located just steps away from Doublegate Country Club, which offers golf, casual and fine dining, a fitness center, tennis and swimming. This home, built by Terry Singletary, has four bedrooms, three baths and a bonus room with a closet that could also be used as a bedroom. The bedrooms on the first floor are a split design offering privacy for guests or family. Bedrooms three, four and the bonus room are upstairs. The upstairs bedrooms are complimented by a jack and jill bath design with two separate vanity areas and ample closet space. The downstairs features an island kitchen with shaker cabinet doors and drawers, smooth top range, microwave - wall oven combination, ‘Giallo Verona’ granite countertops and a walk in pantry. The formal dining room and breakfast room provide generous space for entertaining. The master bedroom features a specialty trey ceiling finished in beaded board, a master bath with double vanity granite counter tops, separate shower and soaking tub and a huge walk in closet. The 18 foot two story foyer opens into a beautiful great room that features 10 foot specialty ceilings and a fireplace wrapped in shiplap with a reclaimed wood beam mantel.

There is access to a covered rear porch for outdoor entertaining. The first floor will have all wood flooring throughout. Upstairs will have carpet and ceramic tile in the bathroom. There is still time to customize this home for your tastes with your choice of interior paint colors, wood flooring color, carpet color, lighting fixtures and landscaping(allowances will be provided). This community is governed by protective covenants that are available upon request. The property taxes are an estimate based on the completed home value. One of the sellers is a licensed Realtor in the State of Georgia.

• Albany • Americus • Bainbridge • Cordele • Moultrie • Sylvester • Tifton

SWGA

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TOP MORTGAGE BROKERS!

Danny Blackshear (229) 883-6100 Ext:201 dblackshear@albanyrealtyco.com

JAN T. PHILLIPS “YOUR MORTGAGE MADE EASY”

NMLS#500174

bank PFB.com

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113 North Westover Blvd.

Albany, GA 31707 229.349.7138 jphillips@bankPFB.com NMLS# 658982

SWGA HOMES

 OPEN HOUSES  YOUR HOMES  HOMES FOR SALE  RENTAL HOMES  MORTGAGE BROKERS  DAILY REAL ESTATE NEWS  CLASSIFIEDS

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3802 Burton Court, Albany, GA 31721 MLS # 139949 | $353,500

ALBANY REALTY COMPANY albreal@albanyrealtyco.com www.albanyrealtyco.com

New ways renters are becoming homeowners

(BPT) - Sponsored Content from Vanderbilt Mortgage and Finance, Inc.

The world that millennials have grown up in is a lot different than the world the Gen Xers and Baby Boomers knew. The digital revolution, widespread use of smartphones and adoption of disruptive technologies such as ride sharing and vacation rental apps are just a few of the factors that have altered the social landscape.

Unfortunately, rising student debt, rising home prices and other economic factors have hit many millennials and left them to believe that they cannot afford a home.

Many feel as though they have been priced out of the American dream and they will never be able to buy a home.

But no matter what your age, there are plenty of ways to become a homeowner, you just have to think a little more creatively.

The rise of the rental Looking at current trends, a recent research study found that more U.S. households are now renting than at any time in the last 50 years. With a rising number of renters, many have worried that we are becoming

a nation of renters rather than a nation of homeowners.

This is most evident with the younger generation, people under 30, who the National Multifamily Housing Council have found now account for 50 percent of all renters in the U.S. They aren’t renting because it’s a more affordable option, either.

As many residents know throughout the country, rents are going up and up. Between 2012 and 2015, the median gross rent has gone up 8.24 percent, rising to $959. When you combine that with the utilities, a deposit and first and last month’s rent, it’s a lot of money to spend on something you will never own.

So why do people choose to rent?

One reason is that many don’t realize that just like phones, cars and countless other things we use on a daily basis, homes have changed.

New priorities mean a new solution As demand for housing increases, and prices on new and existing homes continue to rise, manufactured housing has adapted to the standards of today’s first-time homebuyers and provides a solution for a market in short supply of quality, affordable options.

In 2016, the average sales price for a manufactured home without land was around $70,600 - that’s an average of $48.82 per square foot - making them an affordable solution to renters looking to become homeowners.

“We believe manufactured homes offer a great solution for many households seeking affordable housing,” says Vanderbilt Mortgage and Finance Inc. President Eric Hamilton. “We work with our customers to help find financing options that fit their needs and circumstances.”

Renters don’t have to continue doling out a monthly check for something they’ll never own. The housing market has changed and with this change, manufactured homes have brought forth new opportunities to become a homeowner.

NMLS Disclosure-Vanderbilt Mortgage and Finance, Inc., 500 Alcoa Trail, Maryville, TN 37804, 865-380-3000, NMLS #1561, (http:// www.nmlsconsumeraccess.org/), AZ Lic. #BK0902616, Loans made or arranged pursuant to a California Finance Lenders Law license, GA Residential Mortgage (Lic. #6911), Illinois Residential Mortgage Licensee, Licensed by the NH Banking Department, MT Lic. #1561, Licensed

by PA Dept. of Banking.

albanyherald.com

SUNDAY, APRIL 15 2018 • 5C

What is a smart home?

(MCC) - Refrigerators that inform their owners when it’s time to buy more eggs and thermostats that learn homeowners’ heating and cooling preferences may once have seemed like futuristic ideas straight out of a sci-fi movie.

However, such products are no longer a dream but a reality.

The term “smart home” refers to a residence that has appliances, HVAC, lighting, entertainment systems, security, and many more devices that communicate with one another. Such devices can be controlled remotely, according to SmartHomeUSA, an automation product retailer. Proponents of smart home technology say features can help people save money on utilities and conserve natural resources, all the while providing peace of mind to homeowners.

In 2016, 80 million smart home devices were delivered worldwide. That marks a 64 percent increase from 2015, according to the research data firm IHS Markit. The smart home trend is only expected to grow in coming years.

Although there’s interest in smart home technology, the industry remains fragmented. Consumers are trying to figure out which devices are simply fun and which provide practical benefits. Furthermore, the range of smart devices is expanding rapidly, making potential compatability issues a concern. Companies that plan to educate consumers further about the advantages of smart home features and are open to standardization may have the best chances of survival.

Those interested in dabbling in some smart home technology and testing the waters may want to start with the following household items.

• Smart bulbs: Manufacturers offer various types of smart light bulbs.

Some are color-changing, others react to doorbells or alarms, and others can simulate typical lighting patterns when homeowners are away. Integrated apps enable remote access to scheduling so people can arrive home to a well-lit house.

•Home security: Wi-Fi enabled doorbells with video capabilities allow residents to see who is at the door without having to open it. Cameras can even be accessed remotely, simulating that someone is at home at all times. Never wonder if you’ve locked the door again with smart locks that can be engaged via a smartphone. Make sure that homes are secured or that pets are behaving while out with smart cameras.

flood sensors.

• Appliances: A new breed of smart appliances can make it possible for users to turn on the washing machine while out of the house, close refrigerator doors from afar or even start their vacuum cleaners remotely.

Smart technology is taking over and is likely to continue changing the way people live and work. FH178224

• Flood sensor: Get peace of mind against damaging floods with Wi-Fi

Simple steps to a greener lawn

• Don’t overreact to brown lawns. Lawns can turn brown for various reasons, but overreacting at the first sign of brown grass can make the situation worse. Some lawns turn brown because they have gone dormant to save energy for the cooler and more damp days to come. Applying fertilizer in such situations can damage rather than revitalize lawns. Fertilizers or chemicals applied to brown lawns may burn the lawn, creating additional stress that potentially hinders the lawns’ recovery.

• Aerate compacted soil. Compacted soil may be the culprit behind discolored lawns. Over time, soils of all kinds can become compacted, which prevents moisture from reaching a lawn’s roots.

As a result, the roots don’t grow and the grass is denied the nutrients it needs to thrive. Aeration combats compacted soil by poking tiny holes in the ground to loosen the soil. Speak with a landscaping professional about the best time to aerate, which typically only needs to be done once per year. As compacted soil becomes looser, the lawn will become more resistant to drought and begin to resemble the lush green lawn you’re aiming for.

• Raise your mower blades. Some homeowners set their mower blades to the lowest possible setting so they can extend the intervals between cuts and reduce the number of times they mow in the hot summer sun. But cutting the grass

too short exposes the soil to the sun, making it difficult for soil to retain moisture and promote deep, strong plant roots.

When raising the blades, inspect them to make sure they are still sharp. Dull blades won’t cut the grass as cleanly as sharp ones, potentially causing tears in grass blades that invite disease and contribute to poor moisture retention.

• Address pest problems. Pests are unwanted guests who affect lawns in various ways, depending on the type of pest.

Grubs feed on grass roots, while mites feed on the nutrient-rich juices that lawns need to thrive. Pest control may depend on the type of pest and how advanced the infestation is, so speak with a landscaping professional about your pest problems before attempting to combat the problem on your own. Letting a pest problem fester

Lee County 212 Lumpkin Rd E

MORTGAGE RATES

$349,500 • 3400 SqFt. • 3 BR, 3 BA Country Home on 8+/- acres Beautiful! Pool! Granite Countertops and Hardwood Floors!

Barn for Horses and Framed 31’x40’ outbuilding.

Subject To Change Upon Short Notice

LENDER AB&T 229-446-2265

BOB DUTTON 894-7373 NEEDMORE PROPERTIES 439-1837

30-YEAR 15-YEAR 1-YEAR ADJUSTABLE RATE (No Points) FHA and/or VA (30-Year) FHA and/or VA (15-Year) FIXED FIXED of 30 yr. Points 15 yr. Points USDA RATE RATE Rate Annual Life Loan Margin 100%

(No Points) (No Points)

Cap

Cap

Rate

may force you to replace the lawn entirely, but addressing it promptly can likely save you both the cost and heartache associated with such a project. GT164996

Rate

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(MCC) - Many homeowners aspire to have lush green lawns. Thriving, healthy lawns can make homeowners proud and improve their property values, as the lawns make homes more attractive to prospective buyers when those homes hit the market. While lush lawns won’t suddenly appear overnight, homeowners can take certain steps toward creating the stunning green lawns of their dreams.

OPEN HOUSE SUNDAY 2-4 PM

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Ameris 229-434-4555

4815 Impala Lane

Last Update 02/22/18

Putney via 19 to Nelms Rd, right on Impala, home on right.

Synovus Mortgage 229-430-7037

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Last Update 04/05/18

Bank of Camilla 229-294-2068

$82,000 • 1384 Sq. Ft. • 3 BR, 1.5 BA • MLS# 139485 Great home in Putney! Move in ready! New carpet t/o home, updated kitchen, new windows, great bonus room, lrg scrnd porch & fncd yard.

ALICE JOLLEY 869-0358 COLDWELL BANKER WALDEN AND KIRKLAND, INC. 436-8811 To place your Open House call Ashanti Smith, Multimedia Representative Albany Herald 888-9340

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Rates can be reduced with discount points. Rates are subject to change upon short notice, and discount points could change frequently. One discount point is equal to one percentage point of the loan amount and is paid when the loan is closed. Most lenders have a variety of programs. ORIGINATION FEE IS NORMALLY ONE ADDITIONAL POINT, BUT CAN VARY. Maximum amount for conventional loan is $417,000. To Participate in the column, call 888-9333. For information on specific mortgage programs call The Lender.

MORTGAGE PAYMENTS CALCULATOR

2203 Wallington Drive

4.00% 239 287 335 382 430 478 526 573 621 669 717 764 812 860 908 955

4.25% 247 295 345 393 444 492 542 591 641 689 738 788 836 886 936 984

4.50% 255 303 355 403 458 506 558 609 661 709 760 812 860 912 964 1011

4.75% 263 311 365 413 472 520 574 627 681 729 782 836 884 938 992 1044

5.00% 271 319 375 423 486 534 590 645 700 749 804 860 908 964 1020 1067

5.25% 277 327 387 442 497 497 553 608 663 718 774 829 884 939 1050 1105

5.50% 284 332 398 455 512 512 568 625 682 739 795 852 909 966 1079 1136

$215,000 • 2363 Sq. Ft. • 4 BR, 2 BA • MLS# 140502 Like new in Doublegate! Completely updated! Open concept. Great room w/ fireplace. Kitchen w/ new cabinets, granite countertops, and stainless appliances.

MARCI LANGLEY 229-389-3229 COLDWELL BANKER WALDEN AND KIRKLAND, INC. 436-8811 To place your Open House call Ashanti Smith, Multimedia Representative Albany Herald 888-9340

2513 Fox Ridge Dr

$229,900 • 2,331 Sq. Ft. • 3 BR, 2.5 BA • MLS# 140097 Price reduced!! Current appraisal is $245,000. Beautifully updated home w/ lots of character. Heart pine flooring, GR w/ fireplace, gourmet kit w/ granite counters & verdant flower gardens.

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$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% 232 278 325 371 417 464 510 556 603 649 695 741 788 834 880 927

Traveling west on Old Dawson Road, turn right onto West Doublegate and then right onto Wallington. Home will be down on the left.

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Monthly interest, interest payments for 30-year, fixed rate mortgage. Escrow payments for taxes, insurance not included. Payments are rounded to the nearest dollar.

PATSY MARTIN / MARY LINDA COTTEN, 343-8197 OR 347-0953 COLDWELL BANKER WALDEN AND KIRKLAND, INC., 436-8811

6C • SUNDAY, APRIL 15 2018

albanyherald.com

Here’s how the tax reform plan could affect you

(BPT) - With the newly passed tax reform bill, the Tax Cuts and Jobs Act (TCJA), now is the time to start thinking about how this will affect you so that you can plan ahead for the outcomes you will start to feel in your paycheck as early as February 2018.

This tax reform affects virtually everyone; however, families, homeowners, residents of high-tax states, the medically uninsured and small businesses will be especially affected. Most taxpayers will experience changes that could reduce or increase their taxes owed. If you’re not sure how this may affect you, here is a summary of possibilities.

Families Like most taxpayers, many families will be affected by the loss of personal and dependent exemptions of $4,050 per person. However, families with income under $200,000 ($400,000 for joint filers) will be eligible for an increased child tax credit of $2,000.

Those with income over that amount may be eligible for a smaller credit.

This, along with larger standard deductions, may or may not make up for the loss of the personal exemption. Families with dependents over the age of 16 may also qualify for a new family tax credit of $500 for each dependent who does not qualify for the child tax credit.

Homeowners and residents of hightax states

Homeowners and residents of hightax states like California, New York and New Jersey, who typically itemize because they have large expenses like real estate taxes and state and local income taxes, may not be able to get the full tax benefit for these expenses, which are capped at $10,000.

Some may not find it worthwhile to itemize going forward. Itemizing deductions is only worthwhile if all expenses exceed the standard deduction.

Medically uninsured Starting in 2019, there will no longer be a penalty for those without health insurance. The penalty, which had become more and more expensive since first implemented in 2014, will not apply to taxpayers without insurance in 2019. Taxpayers who did not have insurance for all of 2017 and do not expect to be insured in 2018 need to make sure to talk to a tax professional, who can help you identify if you qualify for a penalty exemption.

Small-business owners Some of the largest changes in the tax reform legislation apply to businesses, both large and small. These changes may also affect some rental activities. Corporations will see their top tax rate reduced to 21 percent

from the current top rate of 35 percent, starting in 2018. Pass-through entities (LLCs, partnerships and S corporations) and self-employed individuals will be able to deduct 20 percent of their business income, subject to some limits (based on the type of business and income) and phase-outs (based on the partner’s/ shareholder’s total income).

Retirement Under the current law, taxpayers can reconvert a Roth IRA into a traditional IRA. This allows taxpayers to avoid paying high tax bills on an amount of money that had fallen in value after the conversion. Now, taxpayers will no longer be able to reconvert a Roth IRA to a traditional IRA.

The bottom line is that with this new tax legislation, you’re still going to need to get your documents in order and file your taxes, as well as decide if you’re going to itemize and what deductions work for your personal situation. This year, it’s more important than ever to talk to a tax professional about how this affects you to ensure that your taxes are done right and that you have a clear understanding of how changes that take effect in 2018 will impact how you file in 2019.

To learn more about the tax reform, how it may affect you and what steps you can begin taking to reduce what you owe in 2018, visit www.hrblock. com or make an appointment with a tax professional.

Did you know?

According to a study from the U.S. Bureau of Labor Statistics, housing is the greatest expense in dollar amount and as a share of total expenditures for households in which a person 55 and older is considered the primary owner or renter of the home. Total annual household expenditures, which were culled from the BLS’ 2014 Consumer Expenditure Survey, totaled just over $49,000. These expenditures included food, housing, clothing, transportation, health care, and entertainment, among other expenses. The BLS study found that housing accounted for nearly one-third of annual household expenditures in households headed by people age 55 and older. In households headed by people between the ages of 65 and 74, housing expenses accounted for a slightly smaller percentage of overall annual expenditures, while housing accounted for 36.5 percent of overall expenditures in households headed by men and women age 75 and older. Such figures illustrate the need for men and women to account for housing expenses in their retirement planning. LP183794

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WHO’S WHO In Mortgage Lending Lay the Foundation for a Financially Secure Future with the Right Mortgage

Debbie K. Sutton Mortgage Loan Officer

Cell 229-894-6754 Phone 229-317-4544 Fax 229-336-0479 dsutton@bankofcamilla.net NMLS# 588658

Leslie Collins 733.0373

banK of Camilla

2815 Meredyth Drive, Albany, GA

(229) 446-2265

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137 Robert B Lee ~ Leesburg, GA 31763 T: (229)759-2800 F: (800)807-0205 Lcannon@colonybank.com NMLS #740761 www.colonybank.com 540776-1

Erin K. McDonald Erin K. McDonald Mortgage Banker Morgage Banker NMLS#658957 NMLS#658957 O: 229.878.2065 O: 229.329.4057 229.878.2065 F: F: 229.329.4057 721 North Westover Boulevard 721 North Westover Boulevard Albany, Georgia 31707 Albany, Georgia 31707 erin.mcdonald@renasant.com erin.mcdonald@renasant.com renasantbank.com renasantbank.com

Allloans loanssubject subject All tocredit creditapproval. approval. to

Call 888-9340 to place your Mortgage Company Ad Here

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

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Leslie.Collins@abtgold.com NMLS: 851247

ALB_041518_class_re_Layout 1 04/12/18 6:09 PM Page 7

albanyherald.com

REAL ESTATE

202 Houses for Sale

240 Houses for Rent

240 Houses for Rent

248 Apt/Dupl/Condo/ T’homs for Rent

248 Apt/Dupl/Condo/ T’homs for Rent

FOR LEASE 1BR/1BA House, Very nice, Quiet, 1 acre lot, Older Tenant Preferred, Homestead Ave in Albany, $535/MO, $535 Dep, NO PETS, NO GRAFA, Call 229-436-2647

LEE COUNTY, 202 Dunaway Dr, 3BR/2BA, $800 Deposit, $1050 per month. 229-344-7175

1, 2, 3 BR. Furnished, $85/wk. Utilities Included. Unfurnished $225-$375/ mo, appliances. 435-7646

1BR 1BA Water, garbage quiet neigborhood Cordele Rd. $295 plus dep 229-395-5855

Gardner,, Whiting, & Malone 2BR/1BA $325/$150

Albany, GA, 31721 3 BR/2 BA - 1230 sq ft - Brick Home $1,000 per month

2BR 1BA Fenced yard, quiet neighborhood Cordele Rd $300 plus dep 229-395-5855

Home Delivery is the most convenient and economical way to enjoy your daily newspaper Call 888-9322 to Subscribe

229-432-9351

Commercial Office Space $1350 per month - 1895 sqft 817 Flint Ave

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Warehouse/Office Space - $650 per month

114-A Acacia 3BR/2BA $695/400-Lee Co.

2BR 1BA Car port, deck, convenient to marine base P&G Shopping; Private access $450/mo 229-291-9901 or 229-889-9825

NOTTINGHAM APARTMENTS

1344-C Hwy 19 South, Leesburg GA

3204 B Fernridge 3BR 2 BA $675/$400

$295 QUICK START SPECIAL, 2BR, $320/Mo., call anytime, move today. No Deposit. W/D hookup. Call (229) 299-8750.

APARTMENTS

1807 Spruce Lane

149 B Ravenwood Ct 3BR/2BA $795/$500 Lee Co.

248 Apt/Dupl/Condo/ T’homs for Rent

1, 2 & 3/BR

Lee: 119 Fox Hound, 3/2, $925 thewrightcompanyonline.com The Wright Co. 229-435-0654

3BR 1.5BA 1201 Hampton Court (Albany) Price to sell $57,000 (229)8945045 FHA, Cash or lease purchase

3BR 2BA 105 East Wallace Street Worth County home, original hard wood floors, updated bathroom, kitchen w/ lots of storage, finished bonus room, laundry room, corner lot with wired workshop- VA, FHA, USDA, Cash or lease purchase $96,900 Call 229-894-5045

SUNDAY, APRIL 15, 2018 • 7C

2625 sqft - 75 ft x 35 ft 2620-B Dawson Rd Commercial Office Space - $2125 per month Located behind Pier One Imports across

1143 B Gillionville 1BR/1BA $395/$250

229-343-3710

From the Albany Mall Contact Larry Walden for details

1901 Palmyra Rd, Albany Office Bldg - 2071 sqft - 5BR/1BA/2 half baths for $1,800 per month

2825 W Doublegate 3BR/2BA $1195/$800

804 Twenty First Ave. 4840 sqft - $1200.00 per month

119 Michael Circle 3BR/2BA $950/$500 (Lee Co)

Business office/distribution or Church space ready

1900 A W W.. Broad Ave 2BR/1BA $375/$200

Garage - No Pets - $1,000 per month

2BR 2BA NW ALBANY $595 229446-7557

121 Northbrook Ct., Lee County 3 bed/2 bath - 1266 sqft - Built in 2007

DOWNTOWN ALBANY. 1 BR. APPLIANCES. NO PETS. $250/ M + DEPOSIT. FLINT REALTY 888-2290

2507 Ridgewood Lane, Albany, GA 31707

2391 Meadowlark Meadowlark Commons Court Commons Cou rt Suite Suite 101

4 bed/2.5 bath - 2244 sqft

2909 Gillionville #19 1BR/1BA $475/$350

Lake Park subdivision

1580 Hwy 19 S #10 Raintree Condos-Lee Co 3BR/2.5BA $850/$500

3 Bedroom 1.5 Bath - 1155 sqft

$1,400 per month

0 ) DP SP 0 ) DP SP

4816 Mustang Drive

MOVE-IN MOVE-IN READY READY

$700 per month Available now 2619 Whispering Pines 3 BR/2 BA - 1349 sq. ft.

812 Rosedale 3BR/1BA $550/$400

BEST DEALS on New, Used & Repo’d Mobile Homes, Call 229436-7108 or 229-364-5517

REAL ESTATE

240 Houses for Rent LEE CO 3 & 4BR/2BA, Fireplace, Appl. & garage 229-759-9004

$795 per month

127 D Winding W Way ay 3BR/2BA $695/$450-Lee Co.

1030 Summit Drive - Lake Park Area 3 BR/2 BA - Dishwasher, Microwave, Refrigerator, Stove/Oven, Kitchen Island, Built-in Bookcases,

509 A Haley 2BR/1BA $450/$300

Open Floor plan, Walk-in Closets, Fireplace, $975/month

Beautiful firepit set up in the backyard...

Great for entertaining! PET FRIENDLY! Available 4/16/2018 $1400/month

3107 C Crepe Myrtle 2BR/2BA $625/$400

117 C-Mitchell Ave. 1 BR/1 BA Close to ASU

122 Jowers Lane 3BR/2BA $975/650 Lee Co.

$375/month

LEE CO. 1BR Waterfront. No pets.

Water and Trash Included. $625 mo. + $600 deposit. Call 850-814-0949 WEST ALBANY. 2 BR / 1.5BA; CH&A, Appliances. $495.00 / mo + dep. No Pets. Flint Realty 888-2290

Homes & 256 Mobile Lots for Rent

1, 2, & 3 BR Apartments

14 WIDE, Furnished 2BR, Spring Flats Rd., CH&A, $400/mo + dep. Call 776-3962

229-436-9096

2, 3, & 4 BR Clean w/AC, $300/ mo and up, $250 deposit Call 4367108

2401 NOTTINGHAM WAY

3 HOMES on 3 Acres, 3BR/2BA on Homestead Ave, Quiet Safe area, 40 yrs or older preferred, 229-436-2647

A APARTMENTS PARTMENTS

194 White Oak Dr., Lee County

Mo Move-in ve-in SPECIAL

4 BR/2 BA - Great Plantation Style floorplan!

507 B Lucille 1BR/1BA $345/$150

Nottingham North Apartments

4+%- 1+06' 4+%- 1+06'

Fenced Back Yard, PET FRIENDLY!

1515 Pearl 4BR/2.5BA $925/$500

2BR/1BA $550 mo.

2B R/1BA $ 550 m o.

1BR/1BA mo.

1B R/1BA $475 $475 m o.

Includes Inc ludes cable, cable, water, water, sewer, garbage s ewer, & ga rbage

WILLOWS APPARTMENTS 1401 Whispering Pines Rd

DUPLE DUPLEXES EXES more online &m ore on line at www.MPMAlbany.com www.M PMAlbany.com 638-1597 638 -1597

Albany y, GA

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3BR 2BA 497 Murphy Rd Double wide with lot, $24,900 229-995-3252 or 229-886-4365

2BR/2BA 2BR/2BA Adjacent Ad jacent to to tthe he ASU ASU Darton College D arton C ollege of of Health Professions H ealth P rofessions

Convenient location

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2011 COLEMAN 18ft Bumper Pull camper trailer excellent condition used 3 times $7500 OBO 229-8865555

Pet friendly upon approval!

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Homes & 210 Mobile Lots for Sale

2507 Nottingham Way Northwest Albany “Call For More Info�

HOME OMES O ES

2 & 3 BR Flats Starting at $495

229-436-9620

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FOR SALE by owner by LCHC 3BR 2BA central H/C garage sprinkler syst. Fire plc. one owner 1404 Sq Ft $130,000.00 122 Brookfair Ln. call 229-881-2456

248 Apt/Dupl/Condo/ T’homs for Rent

2 and 3 Bedroom Townhomes 541273-1

132 B N. Doublegate 3BR 1.5 BA $595/$400

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CLASSIFIEDS WORK! 888-9333

8C • SUNDAY, APRIL 15 2018

albanyherald.com

Debunking home ownership myths for millennials

(BPT) - We’ve all been told, that owning a home is part of the American dream. It’s the biggest and most rewarding investment many people will make in their lives. Instead of paying rent every month and having nothing to show for it, paying a monthly mortgage builds equity and wealth.

While most know the benefits of owning a home, for many millennials and young people, it can seem like a distant prospect. In fact, while 52 percent of millennials say they no longer want to pay rent, only 18 percent think they can afford a new home, according to a recent survey conducted by loanDepot.

What is the source of this disparity?

There are many reasons, but part of the problem is a vast majority of young people think there is only one way to

buy a home, or that certain strict criteria has to be met to qualify for a loan.

There are many myths surrounding home ownership. Let’s break some of them down.

Misconceptions about the down payment Many believe a down payment is the biggest obstacle that stands between them and home ownership. The accepted wisdom is that 20 percent of the home’s value is needed to make the down payment. This can be a rather substantial sum. Of those surveyed, 63 percent of people think they can’t afford a down payment; 43 percent believe poor credit history would prevent them from entering the housing market and 38 percent worry that too much existing debt

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would prevent them from doing so.

The truth is, a down payment can be as little as 10, 5, or even 3 percent. Unfortunately, many people don’t know how to access these loan options. Rather than simply doing an online search, you should take a few minutes to explore your options and talk to a loan expert at loanDepot to fully explore what kinds of mortgages are available.

Student loans don’t have to be a barrier One of the biggest sources of financial stress for millennials is the amount of student debt they carry. The effects of this debt can be paralyzing, and many believe they first need to pay off their loans before they can even think about owning a home.

The good news is that Fannie Mae recently announced several policy changes designed to help those with student debt qualify for home loans. Other lenders, like loanDepot, have special programs designed to help those with specific types of student loans, or even 40-year mortgage loan programs that have a 10year interest-only initial repayment period, which can help borrowers tackle their student loan debt while they make lower mortgage payments.

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Many millennials think getting a mortgage is a complicated maze. But with loanDepot’s proprietary digital lending platform, future homeowners have access to a web-based consumer portal that provides a fully digital mortgage loan application experience. With these features, as well as access to licensed loan consultants in 180+ retail locations, homebuyers have the ability to explore options they may have never thought existed, and to find the home loan that fits their budget to buy the home of their dreams.

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