The Real Estate Book - Athens, GA 39.7 by Ryan Litts

Athens, Ga & Surrounding Counties

HOME & LIFESTYLE GUIDE Volume 39, Issue 7

N EW C O N S T U C T I O N

Boulder Springs OCONEE COUNTY SEE PAGE 5

RealEstateBook.com

Request FREE MAGAZINES online, or call 800-841-3401 To Advertise Contact Susan Alvarado 770-364-7491

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Offered by: Charles and Kirby Kilgore 706-769-1400 Kilgore Real Estate Group

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LIVE LIVE WHERE WHERE THE THE DAWGS DAWGS PLAY PLAY “A home is one of the most important assets that most people will ever buy.” Chairman |assets Berkshire Hathaway Inc. will ever buy.” “A home is oneWarren of theBuffett, most important that most people “A home is oneWarren of the Buffett, most important assets that most peopleInc. will ever buy.” Chairman | Berkshire Hathaway Warren Buffett, Chairman | Berkshire Hathaway Inc. “A home is oneUs of to theMeet most One important assets most people will ever buy.” Contact of Our Localthat Real Estate Experts Warren Buffett, Chairman | Berkshire Hathaway Inc. Contact Us to Meet One of Our Local Real Estate Experts

ATHENS OFFICE

524 Hill Street, Athens, GA 30606 ATHENS OFFICE 706-613-6040 524 Hill Street, Athens, GA 30606 REAL ESTATE REDEFINED | 770-992-4100 | BHHSGEORGIA.COM 706-613-6040 An independently operated subsidiary of HomeServices of America, Inc., a Berkshire Hathaway affiliate, and a franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc.® Equal Housing Opportunity.

REAL ESTATE REDEFINED | 770-992-4100 | BHHSGEORGIA.COM An independently operated subsidiary of HomeServices of America, Inc., a Berkshire Hathaway affiliate, and a franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc.® Equal Housing Opportunity.

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CONNECT WITH US CHARLESTON STYLE HOME CLOSE TO DOWNTOWN ATHENS. Over 2300 sqft with great outdoor spaces. Text R823718 to 52187 Heather McElroy 706-206-5282

2BD/1BA RANCH WITH OFFICE, screened porch and one car carport. Text R766413 to 52187 Heather McElroy 706-206-5282

DIANE ADAMS

CHAD CLARK

JERRY CRAIG

RHETTA HOWARD

Regional Vice President

706-255-9200

706-248-7481

706-202-0335

706-540-0937

JAN BAKER

BRICK 4 BEDROOM, 4.5 BATH HOME IN THE HEART OF ATHENS! Fin basement. Open design, hardwood floors, formal dining rm, office & master suite. Large deck & slate patio. Impeccable landscaping$steel fencing in the back. Call Jerry, 706-202-0335 Text R730978 to 52187

PAULINE JUUL

770-294-1014

678-425-8308

706-224-8886

AC T TR CO N R DE

NANCY MARTIN

HEATHER MCELROY

706-202-4692

706-206-5282

VERONICA IMERY

LUIS IMERY

WELL MAINTAINED HOME IN UNIVERSITY HEIGHTS! Hardwood flrs, remodeled kitchen, new windows, new water heater, new roof in 2009. Shaded backyard with cover for addʼl cars or boat. Call Jerry 706.202.0335 Text R815727 to 52187

BEAUTIFUL HOME ON ALMOST 4 ACRES! Perfect for entertaining with a covered back patio, three car carport, built in outdoor grill and a nice storage building. Call Mable 706338-6930 Text R745980 to 52187

EXQUISITE HOME IN OCONEE COUNTY. 4BD/3.5BA with unfinished basement on a spacious 1.96 lot in Oaklake. Has 2 ownerʼs suites with walk in closets. Call Melanie 706-621-1849

D L O

MABLE MITCHELL

YASMINE PAYNE

MELANIE VENESS

706-338-6930

706-540-6845

706-621-1849

DIANNE WRIGHT

706-540-3270

For nearly 40 years, it has been my honor to help clients and customers achieve the dream of homeownership in our community. It has also been rewarding to support the success of many sales associates whether affiliated with my firm or while cooperating in a transaction. Now, GORGEOUS HOME IN OCONEE COUNTY! This 4BD/3.5BA HOME TO DOWNTOWN the enhanced value, marketing resources, andFABULOUS the full array ofWALKING servicesDISTANCE that Berkshire Hathaway Large deck on the rear of the home overlooks a large private COMMERCE, a 10 minute drive to the Tanger Outlet & the actual race HomeServices Georgia Properties we continue to private redefine realfencing. estateAppliances back yard and the saltwater swimming pool. Very special adds, ensures track. 3 bedrooms, 2 baths, backyour yard with home in Power Ridge! Call Brenda 706-714-4509 experiences for years to come. - Brenda remain. S. Blanton $165,000 Call Yasmine 706-540-6845 Text R584483 to 52187

ATHENS OFFICE 524 Hill Street, Athens, GA 30606 706-613-6040

R E A L E S TAT E R E D E F I N E D BERKSHIRE HATHAWAY HOMESERVICES GEORGIA PROPERTIES | 770-992-4100 | BHHSGEORGIA.COM An independently operated subsidiary of HomeServices of America, Inc., a Berkshire Hathaway affiliate, and a franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc.® Equal Housing Opportunity.

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65 1951 ore R t x Te for m 187 tion 2 5 o t ma infor

Charles J. Williams BROKER 770-231-5687 cell cjwrealty@gmail.com

Tonya Williams

REALTORÂŽ 678-988-5687 cell BulldawgRealty@gmail.com

New Home Communities

Banks County Waterford-Glen.com - 140's+ Barrow County DiamondRidgeStatham.com - 160's+ Providence-Estates.com - 180's+ Riverwalk-Homes.com - 180's+ Clarke County Creekside-Manor.com - 170's+ Habersham County HighlandPointeHomes.com - Coming Soon! Jasper County Jones-Estates.com Jackson County CardinalLakes.com - 240's+ FinchLandingHomes.com - 240's+ RidgeMillManor.com - 200's+ Madison County BrittanyPointeHomes.com - 160's+ Cypress-Woods.com NoahsLandingColbert.com - 130's+ ShoalCreekColbert.com - Coming Soon! TumblingCreekColbert.com - Coming Soon! Oglethorpe County HannahsWalk.com - 160's+ The-Highlands-Homes.com Pine-Ridge-Homes.com Putnam County WoodlandCreek-Homes.com Walton County BethanyEstates.com - 160's+ DeerCreekMonroe.com - 160's+ Kensington-Place.com - 180's+ WillowBrookMonroe.com - Coming Soon!

President

BarrowCountyBuilders.org

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WHERE THE #1 IS YOU! More than 10 years of experience in private real estate and 200+ closed transactions since 2013.

D L O

706-424-5741

aldoval@hotmail.com • www.aldosells.com

660 Meigs St, Athens, GA 30601

D L O

Aldo Zevallos Cell: 706-296-5222

HABLO ESPAÑOL

D L O

QUAILWOOD DR. ATHENS. 3 Bedrooms, 2 Bathrooms New Roof, New A/C, New Floors, New Paint, New Deck, Granite Counter top, New Ceiling Fans, ETC. $144,900.

CAVALIER RD ATHENS. New Roof, New Floors, 5 Bedrooms, 3 Bathrooms, New Kitchen Cabinets, Granite counter tops. New paint, New Garage Door, ETC. OWNER/AGENT $199,900.

GREAT/BIG HOUSE. 5BR/3BA. Possible 6 BR on the Floridian room on 2nd floor. Brazilian Cherry Wood floor. Granite Counters on kitchen and bathrooms. Tile shower in master and many more features. Fenced backyard with nice brick retention wall. .75 acres. Sprinkler System. Owner/Agent $249,900

MAPLE FORGE DR. 3 Bedroom 2 Bathroom. New A/C, New Floor, New Paint, New Garage Door, ETC. $164,900.

CHATHAM DR ATHENS. 3 Bedrooms 2 Bathrooms. Spacious living room, open floor plan. Big back yard almost all fenced. MOTIVATED SELLER. $129,900. MLS#961987

TOTALLY RENOVATED HOME. New paint, new wood floor, new tile floor, new carpet, new toilets, new kitchen cabinets, new granite countertop, new doors, new appliances, new water heater and new baseboards. Ready to move-in. Awesome location. BRING ME AN OFFER!!! $69,900 Text R149254 to 52187

ER UND ACT TR CON

PENSANDO EN VENDER? PENSANDO EN COMPRAR? LLAMAME ANTES QUE SEA TARDE! THINKING OF SELLING? LOOKING TO BUY A HOME? HOME ARE SELLING QUICKLY, CALL ME!

COVER HOME

NEW CONSTRUCTION IN OCONEE COUNTY! FRANK BETZ PLAN RIVERTON BUILT BY DICKENS BUILDERS. Great floor plan with large kitchen & breakfast area adjacent to keeping room. Vaulted great room opens to covered porch. Oversized downstairs master with plenty of space for a large sitting area or office. All bedrooms have private bath. Tile backsplash, granite counters, site finished hardwoods, large tile shower and spacious walk in closet. Pool, tennis court and amenity area. $499,900 Text R824755 to 52187

1551 Jennings Mill Rd Bogart, GA 30622

homesforsaleathens.com

Offered by: Charles and Kirby Kilgore (706) 769-1400

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Bridging the GAP in Real Estate 660 Meigs St, Athens, GA 30601

706-424-5741

706-510-5189 SALES:

RENTALS:

INCREDIBLE VIEWS! 5BR 3.5BA BASEMENT HOME. Open floor plan perfect for entertaining. $376,500 Call Laura 706-765-7999 or Text 54816 to 25678 for a virtual tour. Text R750733 to 52187

CALL LAURA FLANDERS 706-765-7999

CUSTOM BUILT HEARTHSTONE LOG HOME, 4 BD/3 BA on over 9 acres. 25 minutes to Athens! $425K Call Bob 706-215-6848 Text R696303 to 52187

4BR/2BA, BONUS ROOM, OVERSIZED GARAGE, LARGE LOT. $178k. Call Brad 706-7143580 Text R741463 to 52187

OCONEE SCHOOLS! OPEN FLOOR PLAN. LARGE LOT. Up $5000 closing costs. Call Jerrod 229412-5303 Text R542587 to 52187

LI ST I

NEW CONSTRUCTION IN WINDER. 4BR/3BA plus office/study, full unfinished basement, 2 car garage $379,000. Call Brad (706) 714-3580 Text R643434 to 52187

ALL BRICK 3BR/3BA RANCH HOME ON 20 ACRES IN OGLETHORPE COUNTY. The kitchen features tons of cabinets, lots of counter space & has been upgraded with stainless steel appliances and tile back splash. $400K Call Brad 706-714-3580 Text R755304 to 52187

STUNNING HOME IN WATKINSVILLE! $625,000 6 bedroom 5 bath home with a finished basement on 4.3 private acres. Featuring wood floors and updated kitchen, this home is made for entertaining! Call Curt 706-614-1633 Text R407661 to 52187

MUST SEE OCONEE HOME ON 13 ACRES. POND, PASTURE, BLUEBERRY FIELD, AND GUEST COTTAGE! For a virtual tour, text 54819 to 25678 or call Laura 706-765-7999 MLS:962139 Text R787525 to 52187

CALL LAURA FLANDERS 706-765-7999

Rich 706-255-0316

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GreaterAthensProperties.com 660 Meigs St, Athens, GA 30601

706-424-5741

706-510-5189 SALES:

RENTALS:

LOVE WHERE YOU LIVE! This 5bd/3.5ba home is situated on 1.8 wooded acres in west Athens. Only 10 minutes CHELSIE to downtown and UGA. Call Chelsie 678-683-5887 CHEESBOROUGH 678-683-5887 Text R787068 to 52187

HIGH RIDGE SUBDIVISION! 4BD/2.5BA, all brick,Living Rm, Family Rm (fireplace w/ gas logs), Dining Rm & Eat-In Kit, Large Master w/2 closets, Front & Back Staircase. Pro landscaped yard & new irrigation system. $379,900 Call Jennifer 706-202-9886 Text R718899 to 52187

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...where where superstars begin begin!

GET YOUR REAL ESTATE LICENSE! Enroll! Next 75 hr Prelicense Class Starts

WE TRULY CARE ABOUT YOUR SUCCESS!

GENTLY SLOPING WOODED ACREAGE WITH WONDERFUL OLD HARDWOODS On Sweet Little Creek On One Border. Easily Subdividable Into 3 Or 4 Nice Sized Parcels. $435,000 Call Rose Sellers 706-255-0472 rsellersrealty@gmail.com

MIDDLE GA GEM! 5 Acre Darling Home w/2-stall barn! 1800sf 3Br/2Ba Brick w/2 car garage. Cross Fenced and all set up for 3 horses/animals. Deal @$178,000! Call Cat 706-540-2593 Text R705720 to 52187

BEAUTIFUL HISTORIC HOME! Walking distance from adorable downtown Commerce, this 8 BD/3.5 BA home on 0.5 acres has so much Southern charm! LEAH LEGGETT Call/text Leah today at 706-510-7155 706-510-7155 Text R780543 to 52187

5/7/18 Mon. & Thurs. 5-9pm 706-247-1506

CAT SCARBOROUGH 706-540-2593

CALL LAURA FLANDERS 706-765-7999

Following bread crumbs to find your new home not working?

Shavon School of Real Estate

www.ShavonSchoolOfRealEstate.com

NORTH OCONEE BEAUTY! $282,500 4BR/2.5BA. Hardwood floors, kitchen w/ granite & sunroom. OwnerÊ¼s suite on the main floor. Call Laura 706-765-7999 or text code 54817 to 25678

I can help you get there!

Call Rose Sellers 706-255-0472 or send me an email: rsellersrealty@gmail.com

COUNTRY CHARM W/ CITY CONVENIENCE! This 3 BD/1 BA home sits on a full acre of land and has a full unfinished basement w/ so much potenLEAH LEGGETT tial! Call/text Leah today at 706-510-7155 706-510-7155 for more info Text R811109 to 52187

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Denise Beck REALTOR, Associate Broker, GRI graduat

(706) 614-1625

Listing Specialist â&#x20AC;&#x201C; Call for FREE market analysis!

denise.beck@coldwellbanker.com

(706) 543-4000

2405 W Broad St #150 Athens, GA 30606

NEWER CONSTRUCTION OCONEE FARMHOUSE with 62 acres on Rose Creek. Text R772872 to 52187

3.86 ACRES AND A MOTHER IN LAW SUITE. Text R742139 to 52187

NEW LISTING! Text R815723 to 52187

28+/- ACRES WITH CREEK & PARTIAL POND Text R656243 to 52187

RENOVATED RANCH Text R677632 to 52187

GREAT NEIGHBORHOOD & SCHOOL DISTRICT! Text R783283 to 52187

Athens Mortgage Resources, Inc. â&#x20AC;&#x153;Athens Oldest Mortgage Brokerageâ&#x20AC;?

30 Years

Celebrating of Saving Our Customers Money!

Jonathan Jones 3 -ILLEDGE !VE s !THENS '!

. 70 . 9 email: athensmortgageresources@gmail.com

www.athensmortgage.net Georgia Residential Mortgage Licensee #5643 Jonathan Jones NMLS# 169435 Athens Mortgage Resources, Inc. NMLS# 165933

P R E P A R I N G Y O U R YA R D

for Summer

Enjoyment

ow that warm weather has returned, itâ&#x20AC;&#x2122;s time to safely begin the annual cleanup to prepare your yard for months of summer enjoyment. With the help of a professional landscaper, your yard will be ready and looking great in no time. Start by evaluating your lawn. Look for bald spots where grass has grown sparsely and needs reseeding, or uneven areas that may need to be filled and leveled. Before you take steps to correct any problems, you'll need a clean slate. Call your landscaper to help you clear the yard of any leaves, rocks or sticks that may have accumulated. Then cut the grass as short as possible. Your landscaper will then break up the soil in bare spots to create an environment that will be hospitable to new seed. Lawn soil will then be added to level the surface. An herbicide will also need to be applied to treat weed-infested areas. Allow the weed killer to work for about a week then rake again to remove dead weeds. Then you're ready to over-seed or spot seed, depending on your lawn's needs. Your climate will determine the best grass varieties for your yard, and your landscaper will help you lay down the appropriate sod or seed. Be sure to also select a fertilizer that is consis-

tent with your grass type and water thoroughly to promote deep root growth, which can help your lawn withstand extreme conditions as temperatures rise. Your lawn isn't the only part of your yard that needs attention though. Your garden and flower beds may need some care before they, too, are ready to burst with new bounty and color. Begin by clearing your garden and beds of any debris like leaves and other matter that piled up during months of neglect. Gently turn the soil and work in fresh fertilizer. Before you get your landscaper to plant new shrubs and flowers, it is the ideal time to make repairs. Check edging for any damage, replace rotted woodwork and complete any other maintenance tasks. This is also a great time to explore and add new landscaping features, such as a retaining wall, pond, or stone pathway. Your landscaper will help you choose the features that will go best with your home. By getting some of your lawn and garden care taken care of now, you will be able to take full advantage of sunny summer days outside. So reach out to your local lawn service or landscaper today!

Is Your Bedroom Designed for Sleep? S

ounds like a dumb question, right? However, in reality, the reason you might not be sleeping as well as you should might have a lot to do with whatâ&#x20AC;&#x2122;s going on in your bedroom.

According to the Better Sleep Council (BSC), the nonprofit consumer-education arm of the International Sleep Products Association, getting adequate sleep can positively impact every area of your life, from your productivity on the job, to your eating habits and fitness goals, to your relationships. In fact, a recent survey from the BSC suggests that getting more sleep may be the key ingredient to keeping Americans on track for meeting their 2018 goalsâ&#x20AC;&#x201D;27 percent chose getting more/better sleep as a resolution for the year, and those respondents also reported other health-related goals, such as exercising more (69 percent) and staying fit and healthy (68 percent). Also, Americans surveyed who wanted to prioritize sleep in 2018 planned to do so by getting to bed earlier (65 percent), maintaining a consistent bedtime (62 percent), and having new nighttime routines (53 percent). Almost half of those surveyed said they also plan to upgrade their sleep environment by purchasing a new mattress or other bed-related items.

The BSC offers these other suggestions for improving your sleep habits:

Consider your window treatments. If you’ve committed to getting to bed early, keep your window treatments sheer. Natural light filtering in as the sun rises will help wake your body naturally—the perfect way to start your day. Installing sky lights can also provide wakeful sunlight. However, if you can’t seem to ditch the night-owl habit, room darkening curtains or shades may be necessary to ensure you get the extra hour or two you need in the morning.

Adjust the lights. For each lamp in your bedroom, decide what purpose it will have and choose a light bulb with appropriate wattage. For example, a bright light may be necessary near a mirror or for a standing lamp. For bedside lamps, lower wattages (45 to 50 watts) offer ambient light or gentle light that are best for reading. Lampshades can help dim lights as well. Installing a dimmer switch will allow you to control the brightness of all the lights in your room as you need it. This is especially useful with overhead lights.

Ditch the distractions. Avoid the distraction of social media and emails by setting your phone to automatically go into Do Not Disturb mode during

sleep hours, and leaving your tablet and laptop in another room altogether. While you’re at, do you really need a TV in your bedroom? Opt for a pile of books on your nightstand as reading relaxes the mind and helps induce sleep, while screens keep your brain wired. Spruce up your bedroom décor as well by replacing your TV stand with a nice bookcase or chair and ottoman for reading.

Analyze your bed. Consider whether it’s time for a new mattress. If you’re waking up a lot during the night to shift positions, it could be due to a mattress that’s not supporting you properly. Same for your pillows. Are they too soft, too firm, or just right? Also make sure your sheets, blankets and comforter offer the perfect balance of softness and warmth without making you overheated.

Keep it cool, even in the cooler weather. A comfortable sleeping temperature is between 65 and 67 degrees Fahrenheit, so turn on an air conditioner or lower the thermostat before bed for an optimal sleeping climate. If cracking open a window gets you to that temperature range, all the better, as fresh air makes for even healthier sleep. And when the temperature is cooler at night, it has the added bonus of helping you save money on running the AC.

Make daily sleep appointments. Develop a routine in which you go to bed at the same time and wake up at the same time every day. Sticking to these appointments will help you in all of your other routines and scheduling as well. As you work on perfecting your nighttime sleep routine, remember that it’s not a bad idea to catch a power nap during the day if and when you can. A quick 20-minute snooze can work wonders and actually help you sleep better at night. Reprinted with permission from RISMedia. ©2018. All rights reserved.

6 WAYS

to Get Ready to Sell Your Home This Summer

Summer has long been one of the best and most popular seasons for selling a home. If you’re ready to put your home on the market, follow these steps to make sure you’re in prime showing shape for the summer selling season.

1. Find a real estate agent. Use this time to interview several agents and make the right selection. Choose an agent with excellent local market expertise, technology savvy, and negotiating skills. The relationship you have with your agent is important, so be sure to select someone you connect with and communicate well with. 2. Make necessary repairs. If your real estate agent advises that certain repairs be done prior to listing your home, take the time to contact the appropriate contractors or service providers to help make the repairs. Make them before you list your house, as they will likely affect the price at which you can list your home. 3. Have a painting party. There’s likely more than one room in your home that will need to be painted before it hits the market. Stick to neutral colors that help to tone down a space, as bold colors can reduce offers. Spend the next few weekends accomplishing the task. 4. Pack up. Now is the perfect time to start packing up unnecessary items. Not only will this give you a head start on your eventual move, it will declutter your home for optimal showing purposes. 5. Stage your home. Staging helps to focus on your home's strengths, downplay any weaknesses and appeal to the largest pool of prospective buyers. Move furniture around for better flow, which makes rooms seem larger. Use brighter light bulbs in lamps and fixtures to add more light and open up windows. Spruce up the kitchen cabinets with a coat of paint or at least new hardware. 6. Plan a photo shoot. Once the essential cosmetic changes have been made, talk to your real estate agent about the best time to photograph and film your house. Make sure your surrounding property is camera-ready too. Gather photos of your garden in full bloom and your pool or patio under the bright sun so that your agent can add them to the listing.

Your trusted real estate agent will have other directives based on the specifics of your home and its location. Be sure to heed their advice as they know what it takes to get a home sold.

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Cindy Karp

(706) 461-7253 Cindy@CindyKarp.com

Broker, GRI, ABR, WCR Life Member of the Million Dollar Club Circle of Distinction Women's Council of REALTORS Athens Network 2017 Member of the Year

Office: (706) 549-3200 www.CindyKarp.com

Karen Foster (706) 338-6886

Jay Braver (706) 510-6174

Get Details Instantly! Text Property Code to 52187

Karen@CindyKarp.com

Jay@JayBraver.com

Jullie Sailors (706) 612-8126

Arlene Williams (214) 534-5547

JSailorsRealEstate@Gmail.com Arlene@CindyKarp.com

CO N

CE D

AC T

PR I

AD J

US TM

EXCEPTIONAL HOME IN OCONEE COUNTY. State of the art sound system. Huge Bonus/Dance studio & Study. In-law suite. Exercise/ Billiards Room. REDUCED to $925,000 Text R667060 to 52187

OLD FARM ESTATES IN OCONEE CTY 2.47 ACRES 5 BEDROOM, 5.5 Bath $1,350,000 Call Cindy 706-461-7253

EXCEPTIONAL BRICK HOME ON 2.94 ACRES WITH 6-7 BD, 6+ ba and 3 FP. Terrace level with spa zone and so much more! $825,000 Text R650935 to 52187

OCONEE CO COMPOUND ON 12.36 WOODED AND PARTIALLY FENCED ACRES WITH 4 BD and 3 baths in main house. Separate studio, screened porch, salt water dipping pool and so much more. Must see! $595,000 Text R720303 to 52187

$420,000 HOME ON ACREAGE- residential and commercial with 5000 sq ft shop. Call Jullie Text R815725 to 52187

CHARMING COUNTRY ELEGANCE IN DESIRABLE ROYAL OAKS. Stunning craftsman in mint condition & boasts upgrades galore. $220,000 Call Jullie

15 BUILDING LOTS FOR SALE $25,000 EACH COMMERCIAL SPACES FOR LEASE OR SALE 66.27 ACRES OFF ATLANTA HWY WITH RIVER FRONTAGE 65/ ACRE INVESTOR PACKAGE AVAILABLE with multiple units! Studio suites; convenient to UGA. $84,900 Text R665884 to 52187

TOWN SHOPPING CENTER IN COMER 8 storefronts, 3 offices $949,900 Call Jay 706-510-6174 Text R551776 to 52187

www.CindyKarp.com

50.5 ACRES ON BROAD RIVER $375,000

VISIT OUR WEBSITE FOR LAND, COMMERCIAL PROPERTIES & CONDOS

Certified Mortgage Planner NMLS ID-35139 GRMA ID- 33444 Georgia Residential Mortgage Licensee #23892 and NMLS# 156311

Se ll ing ?

5 TOP MARKETING TIPS FROM TOP AGENTS 1. GOOD PHOT OGRAP HY In most instances, buyers see photos of your home before they see your home in person. Take well-lit, HD photos to spark the most interest in your home.

2. DON’T RELY SOLELY ON THE WEB TO SELL YOUR HOME Lots of people shop on the web for homes, and there are lots of homes on the web. Stats say that 65 million shop for homes in the U.S. every month. However, only 5 million homes are sold in the U.S. every year. It’s a very crowded space, and your home should be on as many sites as possible. Make sure your agent also takes advantage of targeted print when advertising your home. More on this later...

3. MAKE SURE YOUR AGENT INCLUDES MOBILE TECHNOLOGY IN YOUR MARKETING PLAN

4. MARKET YOUR HOME OFFLINE—LOCALLY Good agents know where potential buyers of your home live, work, shop and play. They use local real estate publications, targeted direct mail, brochures, and other tools to ensure your home gets in front of local home buyers.

5. KEEP YOUR HOME LOOKING GOOD Part of the marketing plan for your home is in your court. This includes how potential buyers perceive it when they walk through the door. Living in a home and keeping it ready to show is a challenge, but it will pay off when buyers find your home more attractive than others they may be considering.

Today, we rely on our phones to look up everything, including real estate. Your home should have a marketing plan that includes mobile tools as a significant element. For example, your home should have a yard sign with a text code on it so that potential buyers driving by can look it up on their phone right away.

Put simply, don’t wait around for homebuyers to find you. Get out there and find them through advertising—both online and offline.

17M012B-033017

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dementhally@gmail.com

5mrealty.com $612,000

3BR/2.5BA HOME IN PRESTIGIOUS PRINCETON MILL SUBDIVISION with partially finished basement perfect for empty nesters or generational families. 9-12 ft ceilings & beautiful hardwood floors. Open floor plan, gourmet kitchen with breakfast nook, expansive master bath suite. Text R783243 to 52187

$499,000

THE BEST KEPT SECRET & Developers DREAM. Stunning 2.7 acre tract with breathtaking views stretching over 500ft along the Oconee River minutes from the heart of 5 Points. The LAST TRACT in PRINCETON MILL FACTORY PROPER & one of the only undeveloped parcels of land in the area. Text R783235 to 52187

CENTRALLY LOCATED 4BD/1BA + OVER HALF AN ACRE AND an additional 2 BR/ 1Bath unit in the back. This property has great rent potential or is a perfect home for a family needing extra space and tons of yard to romp around in! Text R815722 to 52187

D L O

(706) 850-4636

824 S. Milledge #200 Athens, GA 30605

CALLING ALL EXECUTIVES, WRITERS, ARTISTS, PARENTS, WORK FROM HOME ENTREPRENEURS, OR ANYONE WHO ENJOYS NATURE, beauty and serenity: 5.68-acre culde-sac lot for the home of your dreams! On the border of Clarke and Oconee counties in a highly sought-after neighborhood in West Athens. Text R783258 to 52187

$136,000

UNDER CONTRACT!

FABULOUS 3BD/2BA FIVE POINTS lovingly restored home in the Glenwood neighborhood is MOVE-IN READY! Plenty of closets and storage space including a double closet in master. Master suite includes recently renovated master bath with new stand-alone shower. Attached two car garage. Text R783262 to 52187

Kathy Pollock (706) 255-6596

(706) 316-2900

Proudly Serving Communities in the Following Counties: Clarke, Oconee, Barrow, Walton, Madison, Jackson, Oglethorpe, Morgan, Greene, Elbert, Hart, Franklin, Banks and Stephens.

We Inspect:

• Condominiums • Single family homes • Historic residences • Manufactured homes • Estates • Townhomes

SOUTHERN LIVING PLAN WITH 5 BEDROOMS AND PLENTY OF ROOM FOR ANY FAMILY TO SPREAD OUT! Kitchen has custom pickled oak cabinets and granite counters w/ tile flooring. throughout. Master suite has a huge tile bathroom and the closet is amazing! HVAC units less than 2 yrs old. Great Schools nearby. Text R817718 to 5218

We specialize in Radon & Mold testing. Ask about our 3 home inspection packages!

Chad Bridwell Franchise Owner

Call today to experience the Pillar To Post® difference

706-850-3315

pillartopost.com/bridwellinspector Each office is independently owned and operated

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www.Aviantemtg.com Shop with Confidence, Get Pre-Approved 1st

Tommy Black 706-207-3677

Great Rates & Low Closing Cost • NO Closing Cost Available • 5% Down on Jumbo Loans

Joseph Stunzi 404-867-8991

706-546-1600 NMLS#170520

NMLS#275935

Georgia Residential Mortgage Licensee #16917 NMLS# 164250

Conventional • FHA • VA • Rural Development 1351 Jennings Mill Rd, Suite A • Watkinsville, GA 30677 • Near Lowe’s & Hwy 316

Estimated Mortgage Payment Chart Amount

4.25

4.50

4.75

5.00

5.25

$150,000

738

760

783

806

829

$120,000 $180,000 $210,000 $240,000 $275,000 $310,000 $350,000 $400,000 $450,000

591 886

1033 1181 1353 1525 1722 1968 2214

608 912

1064 1216 1394 1571 1773 2027 2280

626 939

1096 1252 1435 1617 1826 2087 2347

644 967

1127 1288 1476 1664 1879 2147 2416

663 994

1160 1325 1518 1712 1933 2209 2485

THIS CHART IS FOR PRINCIPAL AND INTEREST ONLY

COMPLIMENTS OF AVIANTE MORTGAGE SERVICES

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Ways It Pays to work with a REALTOR®

If youʼre looking to Buy or Sell this year, do you want to add these to your “To Do” list? Save time, money, and Peace of mind by working with a Professonal from the beginning. RESEARCH MORTGAGE LENDERS.

Determine how much you can afford.

PUT EXISTING HOUSE ON MARKET.

FIND NEW HOME WITH ALL Get signed THE FEATURES YOU DESIRE. HIRE SURVEYOR TO contract to Schedule showings SURVEY PROPERTY. Seller. Price your existing home for your current without current market Review homeowner’s association house & also to expertise. documents for new home. see new ones. Hire attorney or title company Arrange home & to complete closing research. CHECK

Host Open Houses to sell existing home. Negotiate terms of sale or purchase, including repairs & concessions.

pest inspections on new home.

Research School Districts. ORDER TITLE SEARCH.

draft contract.

CONDUCT FINAL

Decide where to advertise your house to reach the best potential buyers (& pay for it).

CONSIDER OFFERS ON CURRENT HOME.

CREDIT

Analyze comparable home sales & make offer REPORT. on new home. Find attorney to

REVIEW & APPROVE WALK-THROUGHS CLOSING COSTS. OF HOME.

Secure homeowner’s insurance. Meet home & pest inspectors for review of current home.

Review & approve all contracts. Obtain title insurance.

COORDINATE CLOSING WITH LENDER, TITLE COMPANY & BUYER OF YOUR HOUSE.

Research neighbrohoods REVIEW & SIGN & local amenities. CLOSING DOCUMENTS.

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Contact One of Our Featured REALTORSÂŽ for All of Your Real Estate Needs

Laura Leiden Keller Williams Greater Athens 706-540-4181 laura@lauraleiden.com

Denise Beck Coldwell Banker Upchurch Realty 706-614-1625 denise.beck@coldwellbanker.com

Cindy Karp Cindy Karp Realty 706-461-7253 cindy@cindykarp.com

Regina Clonts Keller Williams Greater Athens 706-714-8929 regina@reginaclonts.com

Carole Queen Virtual Properties Realty Queen's Choice Group 678-858-3745 queenschoicerealestate.com

Heather Fletcher Keller Williams Greater Athens 706-296-6365 hmfletcher@kw.com

Lynn Harder Coldwell Banker Upchurch Realty 706-224-4525 lmharder@bellsouth.net

Nedra McKinley Greater Athens Properties 706-207-2082 nedrasellsrealestate@yahoo.com

Marie Armour ERA Sunrise 706-340-2450 mariearmour@ymail.com

Rhetta Howard Berkshire Hathaway HomeServices Georgia Properties 706-540-0937 rhetta.howard@bhhsgeorgia.com

Leah Leggett Greater Athens Properties 706-510-7155 LHLeggett@Gmail.com

Dean Christian Greater Athens Properties 706-614-7028 deanchristianrealestate@gmail.com

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MEDITERRANEAN STYLE & REAL STUCCO!

5BR/5.5BA, GRAND FOYER, DR, & LIBRARY. Open eat-in-kitchen/den wing, screened porch/sunroom. Master on main, Terrace level is a 2BR/2BA apt. Lake front $715,000. Call Mike Geyer 706-202-1660. Text R798084 to 52187

LOG CABIN 8.33 ACRES LAKEFRONT.

BEAUTIFUL LOG CABIN WITH 3BD 3.5 BTHS 8.33 ACRES AND 700+ FEET OF LAKE RUSSELL SHORELINE. NO HOA or restrictive covenants. Call James Dunlap 770 630 9731. Text R227479 to 52187

LAKE OCONEE

2 (3) BEDROOMS 2 AND HALF BA Upgraded and Stunning property. Extremely large Master suite on the main, with super size suite downstairs. Large screened in porch or relax on the Large open deck. Call Agent/Owner, Barbie @ 678-618-4323. Text R784973 to 52187

5,000+SF OF ELEGANCE ON 6+ACRES

CUSTOM BUILT HOME w/over 5,000sf of living space, on 6.69ac in Oconee County. The main level hosts a massive owners suite which includes a sitting room, two walk in closets and two full bathrooms. Call Cyndi 706-202-3974. Text R813035 to 52187

COUNTRY CHARMER

THIS HOME HAS 5 BEDROOMS AND 3 BATHS ON 6.5 ACRES The house boasts a rocking chair front porch, screened in back porch and a rear deck. The property features a 600 sqft Metal building David Hadden 352339-0109. Text R778406 to 52187

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WINTERVILLE

CUSTOM BUILT ON 5.25 ACRES. 5,600+ partially fshd bsmt. HW Flrs, 5BR, 4.5BAs. Granite counters, Ktch island w/sink. SS appl. Semi-circle driveway w/ gated entrance. Barn/wk-shop, fenced pasture & pond. $450,000 Maria 706-255-5522 Text R776589 to 52187

ATHENS COUNTRY ESTATE ON 12.5 ACRES!

6,000SQFT CUSTOM HOME, 4bed/3bath, movie theater, pool, outdoor kitchen, RV garage. Call Tina 404558-0286. Text R630920 to 52187

REDUCED TO $497,000

CUSTOM BUILT HOME ON OVER 6 PRIVATE ACRES bordering bigger creek. Minutes to Athens in Madison Co. 6bed/4.5bath including in-law suite w/kitchen, LR & more! Breathtaking views! Call Kim Shupe 706-2070823 Text R614862 to 52187

PRIVATE OASIS IN CARLTON

OVER 11 ACRES SURROUND THIS BEAUTIFUL FOUR BEDROOM THREE-AND-A-HALF BATH CRAFTSMAN HOME. with a 30 by 40 detached workshop. Call Nathan 7065400550. Text R805039 to 52187

NEW IN NORMALTOWN!

HOT ON SUNSET! This Nowmaltown cottage has just been renovated and expanded to include a full master suite and indoor laundry. 3BR/2BA in one of Athensâ&#x20AC;&#x2122; hottest neighborhoods. Call or text Eric Vaughn 706.207.9438 Text R813037 to 52187

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NEW LISTING!

TIMELESS ELEGANCE, FEDERAL BRICK HOME REMODELED W/FULL BSMT. 5,700+ SQFT. 5BRs 4.5BAs. HW Flrs, coffered ceilings, extensive trim work. New Kitchen, new BAs. 2 year old Roof. Newer HVAC systems. New driveway. $515,000. Maria 706-255-5522 Text R824743 to 52187

OCONEE SCHOOLS

5 BEDROOMS AND 5.5 BATHROOM 5 FP. Travertine, Hardwood and Carpet floors. Great barbecue area. Call Barbie 678-618-4323. Text R341145 to 52187

TIMELESS BEAUTY BY THE RIVER

TRANQUIL SERENITY BECKONS WITH THIS TIMELESS BEAUTY ON 5+ ACRES. This home offers separate living & dining areas to entertain your guests along with a beautifully finished basement. Annie Kennedy 706-248-8702 or Susan Maxey 706-546-4330. Text R598648 to 52187

47 ACRES IN OCONEE

JUST UNDER 47 ACRES LOCATED INSIDE THE CITY LIMITS OF BOGART! Fantastic piece of residential zoned property is located near the Caterpillar plant! Lots of road frontage to accommodate a wide range of uses. David Hadden 352-339-0109. Text R612437 to 52187

FIVE POINTS/GLENWOOD

THIS 4BR/2.5BA + BONUS HOME features nearly 2,500 sq. ft. in the highly desirable Glenwood area of Five Points! Call or text Eric Vaughn 706.207.9438. Text R743268 to 52187

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YEARS OF SERVICE

os See More Phot 187 52 Text Code to

MADISON CO. FINEST

SPECTACULAR UPDATED, UPGRADED GORGEOUS HOME! 4BD/3BA, spacious kitchen & private backyard. HVAC system installed recently, 1 year old washing machine & dryer stay, PLUS 12 x 24 x 8 steel framed outbuilding w/power access. Kim 706-207-0823 Text R743264 to 52187

FABULOUS FIVE POINTS!

CLASSIC ELEGANCE MEETS NEW STYLE RENOVATION IN THIS HANDSOME, “Steel Magnolia”. 4BD/4.5BA, gleaming hardwood floors, renovated baths, and an elevator are all just a start to what this home offers. Jane 706-296-0994 or Angela 706-255-3943. Text R682916 to 52187

OLD FARM IN OCONEE

GREAT BASEMENT LOT WITH LARGE SHADE TREES, hardwoods & a perimeter side with extensive landscaping! Bring your dream plans to Old Farm Estates with unmatched natural beauty and stately architecture in this unique community. Angela 706-255-3943. Text R106339 to 52187

PRICE ENHANCEMENT $290,000

QUIET DRIVE WITH ONLY TWO HOMES, was custom built in 2002 on 3 bedrooms on the main floor with a bonus up top, attached to a bathroom. Deck and private backyard with newly installed fence. Call Deanna 706255-7266. Text R553336 to 52187

FABULOUS OCONEE HOME!

6+ ACRES ON APALACHEE RIVER. 4Bed/4.5 Bath, 5656 Sqft, Master on Main, Fin Basement w/expansion room, HW Floors, Granite, SS Appl, Covered Porch, Deck, Patio w/hot tub. Gourmet Kitchen w/top of the line finishes. Clancy Short 706-255-0057. Text R824737 to 52187

(706) 543-4000

COME HOME

LOVELY HOME ON ACRE LOT. New roof, HVAC, carpet, appliances, paint! Entertainer’s delight & space for the family to enjoy. Private neighborhood access to Middle Oconee River & riverside park. Award winning schools! Deandra 404-569-8847 Text R738492 to 52187

NORTH OCONEE

4 BEDROOMS, 2.5 BATHS, master on main and a gorgeous designer kitchen. Open plan with hardwoods throughout living areas and generously sized rooms, this home is indeed a show stopper! Call Jane 706-296-0994 or Angela 706-255-3943. Text R791087 to 52187

NORMALTOWN RESTORATION

THIS HOME IS CURRENTLY CONFIGURED AS A 3BR/3BA TRIPLEX, but could be returned to a single-family home. On the corner of Normal Avenue & Oglethorpe Avenue, across from the UGA Health Sciences Campus. Call or text Eric Vaughn 706.207.9438. Text R692642 to 52187

OCONEE COUNTY - 6 BEDROOMS!

3054 HEATHER LANE BOGART Approx 6000 sq ft of immaculate living space with NEWLY finished bsmt – property is adjacent to nature preserve. $623,000 Lisa Teall 706-424-3905. Text R750732 to 52187

WELBROOK FARMS OCONEE CTY

2 MASTER BEDROOM SUITES - 5856 Square feet, 5 bedroom w 4.5 bathrooms. Call James Dunlap 770 630 9731. Text R811110 to 52187

BRUSH CREEK W 5 ACRES ALL BRICK RANCH 4BD 2.5 BATH, 5.22 acres very secluded w Mother-in-law Suite possibility. Call James Dunlap 770 630 9731. Text R791928 to 52187

ON THE SHOALS!

ABSOLUTELY GORGEOUS LOT NOW AVAILABLE IN PRESTIGIOUS RIVER SHOALS! Nearly 2 acres of pure beauty adorned by the Shoals of the Middle Oconee River promises the perfect site for your dream home. Call Jane 706-2960994 or Angela 706-255-3943. Text R727911 to 52187

ESTATE FARM

6000 SF HOME, 6bed/5bath with 19 acres of lush pasture. Horses welcomed. Pasture is fenced and crossed fenced. Gardern’s delight with mini fuit orchard and garden spot. Call/text Jim 843-991-2044. Easy to Show. Text R762727 to 52187

MOVE IN READY RANCH IN WINDER!

CLOSE TO 316 & 78! Kitchen with dining area / stove / dishwasher & built in micro. GR w/FP, Split bedroom plan, Large Master Suite. 2 more bedrooms/hall bath/linen closet & laundry closet. Fenced yard/2 Car Garage. Diane Dillard 706-540-5238. Text R809181 to 52187

FIVE POINTS SPECTACULAR!

PRICE REDUCED $875,000. Craftsman w/open floor plan, remodeled retro kit & private yard! Large master suite on one side of house. On the far side of the house are 4 large bedrooms, 1 bedroom has its own bath & 2 closets. Mot 706-202-3901. Text R709236 to 52187

Alicia Appling

Deandra Bailey

Ashleigh Baker

Brian Baker

Chance Beasley

Denise Beck

DeRenn Bell

Ashley Bennett

Lindsey Blankenship

Pete Brown

Bryan Bufford

Josh Burkhalter

Maria Cardarelli

Alex Castro

Laura Beth Caudell

Kristin Chamberlin

Kim Chandler-Medley

Cathie Chasman

Cheri Cherry

Angela Clark

Stella Collins

Melinda Cook

Joey Conglose

Mot Davis

Michael Dibiase

Diane Dillard

Barbara Dooley

James Dunlap

Ruby Dunlap

Bonnie Dunn

Barbie P. Eisenberg

Michelle Ferguson

Valerie Fields

Mike Geyer

Debbie Grainger

Jane Greenway

David Hadden

Pat Hallow

Bonnie Hannah

Lynn Harder

Vivian Hay

Denee Heeter

Teresa Hixson

Jim Hodges

Ann Hollis

Patsy Huban

Justin Hughes

Angie Johnson

Warren Johnson

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Jessica Joiner

Annie Kennedy

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Lisa Langford

Richard Ledford

Cyndi Logan

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Jim London

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Mackenzie Luke

Linda Maples

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Jane Mayer

Howard McCants

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Why did we make the switch to • Fast closing times PFB Mortgage? With the purchase • Local underwriting market being so competitive, we • Full portfolio of loan needed a company that could programs including but not streamline the mortgage process. limited to Conventional, FHA, After researching all the local lenders, VA, USDA, One time close we found that PFB Mortgage had all construction loans, Doctor the items we were looking for in a Loans, Rehab loans, HELOC’s, GA Dream Program. mortgage lender.

Let us help you take the stress out of buying a home Matthew A Jones Mortgage Loan Officer 706-540-6331 Cell 404-393-6524 Fax mjones@bankpfb.com NMLS#878570

Billy Sullivan Mortgage Loan Officer 706-254-4631 Cell 404-393-6524 Fax bsullivan@bankPFB.com NMLS#500174

1353 Jennings Mill Rd, Suite C • Watkinsville, GA 30677 PFB mortgage NMLS #500174 • Member FDIC

www.bankPFB.com

Closing Escrow: Funding & Recording BY B A R B A R A P RO N I N

Few days are more gratifying for homebuyers – and their agents – than closing day, when the last of the paperwork has passed muster and the keys to the house change hands. But while the sentiments are the same no matter where you live, the process itself may be different. Unlike the ‘settlement’ system in some states, for example, California defines ‘closing’ not as the date when borrowers sign the final loan documents, but as the date and time the deed is recorded. A consummation date recognizes the date the borrower becomes legally obligated to the loan – and a Closing Disclosure statement is given to said borrower at least three days before they are scheduled to sign loan documents. While at this point, the borrowers no longer have the right to rescind

the purchase agreement, they may take up to three additional days to review and approve the terms and costs of the loan – and/or to rescind the loan if any of the terms have changed. In most cases, three days after delivery of the Closing Disclosure, the loan documents are, in fact, signed. Still, the closing process itself unfolds in three very separate steps: Signing the date when loan documents are signed and notarized Funding the date the lender releases funds to the escrow company Recording this is the date – the true ‘closing of escrow,’ when the deed and any other recordable documents are recorded with the County

Only after the escrow company receives confirmation from the title company that the documents have been recorded does the escrow officer verify all the charges and issue net proceeds to the seller and distribute funds to any appropriate parties. In other words, the moment the Grant Deed is time-stamped by the County Clerk is the moment the property actually changes hands – and only then may the new owners receive the keys. In California, as elsewhere, the pathway to that happy moment – including a thorough title search – can be complicated. As your escrow partner, we are committed to making it as straightforward and trouble-free as possible.

Barbara Pronin is an award-winning writer based in Orange County, Calif. A former news editor with more than 30 years of experience in journalism and corporate communications, she has specialized in real estate topics for over a decade. This material is not intended to be relied upon as a statement of the law, and is not to be construed as legal, tax or investment advice. You are encouraged to consult your legal, tax or investment professional for specific advice. The material is meant for general illustration and/or informational purposes only. Although the information has been gathered from sources believed to be reliable, no representation is made as to its accuracy. Reprinted with permission from RISMedia. ©2018. All rights reserved.

How to Get Approved for a Home Improvement Loan By Jason Caruso

hether you're building an addition, completely remodeling or just finishing your basement, a home improvement loan can help add value and comfort to your home. There are a variety of loan options available that we detail later in this article, but before you explore those, there are four steps you should take to ensure that you'll get the money you need: Understand Your Credit History With any type of loan, a higher credit score will give you better terms for your loan. But if you have a low credit score, that doesn't mean a home improvement loan is out of reach. There are government loans, private lenders and co-signing opportunities that may be available to you. 1

Evaluate Your Equity Home improvement loans are largely dependent on the homeowner's equity, since this becomes collateral for the loan. 2

Even if you have a decent amount of equity, you will need to prove that you're capable of paying your debts plus the added debt of the home renovation loan. The final terms of your loan agreement will be determined by your ability to pay back the loan on time. Get an Appraisal The lender needs to know the overall value of your home before agreeing to certain loan terms. Not every lender will require an appraisal of your home, but it helps to be prepared in case it's requested. 3

Estimate Your Project Cost Before you apply for a loan, you should establish a baseline of estimates from professional contractors to determine how much your home improvement project could potentially cost. This will give you a good idea of how much you'll need to borrow. Seeking out contractors for estimates will prepare you for what your project could entail. For example, you might be unaware that there's mold in your walls which is something you'll definitely need to take care of—and this will add to the amount you'll need to borrow. 4

While you're figuring out the cost of your project, be sure to request estimates from several contractors so you can shop around for the best price. What Are Your Home Improvement Loan Options?

After you've completed the above four steps, you'll be ready to look into your loan options: Home Equity Line of Credit With a home equity line of credit, you're able to withdraw money as you need it during a time limit that the lender has specified. Much like a credit card, as you pay some of the balance off, your credit will revolve and you can start to withdraw again.

This line of credit can have fluctuating rates that can be higher than the rate you'd get on a fixed-rate loan, making them more risky. But there is more flexibility with a home equity line of credit than a fixed-rate loan. Home Construction Loans When it comes to home construction loans, lenders need to place a lot of trust in the builder, meaning they are usually very cautious about giving out these loans. If things go wrong, the lender could quickly realize they've made a bad investment. Because of the risk for the lender, there are precise qualifications for this type of loan, including: » Proof of good credit and financial health » A comprehensive list of project details (floor plans, materials, etc.) » An estimated home value from an appraiser » A large down payment—usually 20-25 percent » Working with a builder that's approved by the lender Home Equity Loans A borrower uses the equity of their home as collateral under a home equity loan. The value of your property will need to be determined by a licensed appraiser, and this will determine the loan amount you are eligible to receive. Usually this requires good credit and can end up being more costly than other loan options since additional fees associated with the appraisal, originator, title and closing process can come up. FHA 203(k) Loans The federal government backs FHA 203(k) loans, which were established with the intention of revitalizing struggling neighborhoods. Under this loan, borrowers can purchase a property with the cost of repairs and upgrades included. The required down payment is as low as 3.5 percent in most instances. Make sure to follow the above steps and do your research on loan types as you're planning to renovate your home! Jason Caruso has over 15 years of experience in the financial sales and service industry. He is currently a loan officer with an independent mortgage broker serving Massachusetts, New Hampshire, Maine and Connecticut. Caruso has a degree in business administration and marketing. This article is intended for informational purposes only and should not be construed as professional advice. The opinions expressed in this article are those of the author and do not necessarily reflect the position of RISMedia. Reprinted with permission from RISMedia. ©2018. All rights reserved.

THE EIGHT BEST REASONS TO USE A PROFESSIONAL PEST CONTROL COMPANY Many people consider themselves "do it yourselfers" and with all the information available online, it makes sense that many household projects can be undertaken by a layman or weekend hobbyist. When dealing with pest control issues, however, it may be a better idea to let a pro handle it instead of just buying some poison and going to town. Here are the best reasons to use a professional pest control company when you have a pest problem in your home:

1. DISCOUNT FOR ADDITIONAL SERVICES

Generally, the more services you purchase from your exterminator the more you save per service. As a result, each service becomes cheaper.

2. REFERRAL DISCOUNTS

Many pest control companies offer discounts to clients who successfully refer them to their friends. This is a way to get money back for a service you have already purchased.

3. EXCLUSION SERVICES

Once your exterminator has identified the causes of your pest issues, he/she can either perform the corrections to the structure or recommend someone who can. By changing these

conditions, pests are less likely to return.

4. PREVENTION

our pest control company is a wealth of knowledge when it comes to ways to prevent pests. They will assist you with information on what you can do to prevent termites, ants, roaches and more.

5. IDENTIFICATION

Not sure which pest is bothering you? Your exterminating company will be able to get an ID of the pest, even if you are not covered for that pest. Maybe you have a mysterious bite; again the pest control company can help.

6. FORMULATING A PLAN

A professional exterminator understands the needs of your home or business. So he/she will formulate a planned approach to the implementation of service to aide in eliminating and reducing a pest invasion.

7. RISK

Using pest control products comes with a risk to your health, the health of your family and the environment. Pest Control companies are not only trained to use pesticides safely, they are also regulated by state and national laws that help protect non target animals from exposure to the insecticides.

8. COST

The purchase price for an insecticide is generally cheaper for a professional exterminator since they are able to purchase their products at a wholesale price and in bulk. More importantly, they will use the right product for the pest that is infesting your home or business. Knowing the insect and the correct product to use is half the battle. Ants are not just ants, for example. Different species of ants may require a different type of product and application. You as the property owner may not be able to properly identify the pest; hence, spending more money on products in an attempt to correct your pest issue.

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Mable Mitchell

Yasmine Payne

706-338-6930

706-540-6845

REALTOR®

mable.mitchell@bhhsgeorgia.com GRI, e-Pro, ABR

www.MableMitchell.com

yasmine.payne@bhhsgeorgia.com Circle of Acheivement CertiÀed in Short Sells & Foreclosures

www.YasminePayne.com

524 Hill Street s Athens s (706) 613-6040 (office)

D L O

TO VIEW MORE I NFO ON YOUR SMART PHONE USE TEXT CODES ON EACH LISTING DRASTIC REDUCTION!

BEAUTIFUL HOME ON ALMOST 4 ACRES! One level, 4 sided brick, three car carport & nice storage building. Living room with fireplace and kitchen with another fireplace and pine paneling. $149,900 Mable 706-338-6930 Text R745980 to 52187 UNDER CONTRACT!

GREAT LOCATION, NEW ROOF, NEW HVAC, LARGE FENCED BACKYARD, GREAT STORAGE BUILDING & NICE DECK. 3 bedrooms, 2 full bathrooms and finished bonus room in the lower level. $134,900 Mable 706-338-6930 Text R770150 to 52187

THIS PROPERTY IS AN “AS IS” WITH TONS OF SPACE. Large living room & kitchen. 3 bedrooms. Screened porch for those summer days. Full unfinished basement $84,900 Call Yasmine 706-540-6845 Text R679136 to 52187

GORGEOUS WOODED PRIVATE LOT. Zoned agricultural R4-Residential. Property located only 27 miles from Athens. Call Mable 706338-6930 Text T811567 to 52187

$311,673

REDUCED

GREAT TRACT OF LAND JUST IN TIME FOR SPRING DEVELOPMENT. This property is wooded with a flowing stream perfect for several home sites. $555,000 Call Mable 706338-6930 Text R214708 to 52187

GREAT COMMERCIAL INVESTMENT PROPERTY with tons of possibilities. A very unique development opportunity. The property is at present a non functional 8 bay self service carwash. All utilities are available. $475,000 Call Mable 706-338-6930 Text R277913 to 52187

GREAT LOT IN WINTERVILLE! $36,000 Call Mable 706-338-6930

L O S

FABULOUS HOME WALKING DISTANCE TO DOWNTOWN COMMERCE, a 10 minute drive to the Tanger Outlet & the actual race track. 3 bedrooms, 2 baths, private back yard with fencing. Appliances remain. $165,000 Call Yasmine 706-540-6845 Text R584483 to 52187

VERY NICE LOCATION. Home in need of some repairs. This is a small home with space to add on. 3+ acres. 3 bedrooms, 1 bathroom, living room and kitchen. Property is being SOLD AS IS. Call Mable 706-338-6930 Text R623454 to 52187

D L O

CHARMING 3BD/2BA HOME. Separate dining room, large country kitchen, large and beautiful great room. Great neighborhood with sidewalks and streetlights. Perfect for a first home. $135,000 Call Yasmine 706-540-6845 Text R768338 to 52187

D L O

LOCATION, LOCATION, LOCATION. Walking distance of UGA Vet School & central to UGA campus, Restaurants & Shopping. This property is being completely renovated. Fenced back yard. Yasmine 706-540-6845

ALL MY LISTINGS HAVE SOLD! I NEED MORE LISTINGS! CALL YASMINE TODAY! 706-540-6845

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Contact Any Women’s Council of REALTORS® Member for Your Real Estate Needs

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JERRY CRAIG 524 Hill Street Athens, GA 30606

706.613.6040 Get Property Details Instantly! Text the property code to 52187

ASSOCIATE BROKER, ABR, GRI

706.202.0335 | jerry@jerrycraig.com

Search through ALL Athens and Oconee area homes at

J ERRY C RAIG . COM

$479,900

$174,300

BEST VALUE IN OCONEE COUNTY! 5BR/5BA with partially fin basement on the #16 tee! Master & 2 bedrooms on main. Oak floors. Spanish tile floor sunroom overlooks golf course. Swim, tennis, golf & North Oconee schools! Text R571730 to 52187

$217,600

EXTREMELY WELL MAINTAINED HOME IN UNIVERSITY HEIGHTS! Hardwood flrs, spacious remodeled kitchen, 3BD/2BA on the main + bedroom & media/rec room in basement. Fenced, shaded backyard with cover for additional cars or boat. Text R815727 to 52187

$373,400

LIKE NEW 3BD/2.5BA TOWNHOME IN GATED SWIM, TENNIS COMMUNITY. N. OCONEE SCHOOLS Hardwoods on main. Open plan, fireplace, Kit has granite counters & tile backsplash. Master has walk-in closet, dual vanities. Text R711053 to 52187

BRICK 4BD/4.5BA IN THE HEART OF ATHENS! Open design, hardwood flrs, spacious master suite with jetted tub & marble walk-in shower. Large deck and slate patio off finished basement. Text R730978 to 52187

Dean Christian

706-614-7028

(706) 510-5189

deanchristianrealestate@gmail.com

Protecting YOUR Peace of Mind Chuck Searcy, ATTENTION MECHANICS! EVERYTHING YOU NEED FOR YOUR SERVICE REPAIR SHOP! ASKING $550,000. Turn key business includes inventory, equipment, building & land! Balancer machine, Tire changer machine, Brake lay machine, Tire truing machine, multiple lifts, Air compressor, Turner oil tank, multiple jacks, Bench drill press, Hydraulic press, multiple welders, SnapOn diagnostic machine and all type of tools. Text R771514 to 52187

Owner 706.202.1155 classicinspect@bellsouth.net www.chisga.com

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RHETT BUTLER 706-354-0444 www.rhettbutler.biz

Home Sweet Home We’ll Help You Get There! 706.353.8988

• FHA, VA, Rural Development (100%) • Conventional, Including Community Programs • Construction to Perm • Condominiums

Call Michelle today & get started! Michelle Mason 706-207-2822 NMLS # 169319 GRMA # 27570

780 Hwy 29 North Ste A • Athens, GA 30601 Toll Free (800) 353-8988

www.stonegatemortgage.com

Georgia Residential Mortgage Licensee #6540 • Stonegate Mortgage, NMLS# 169184

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(706) 795-3600 • burdetted@hotmail.com

www.burdetterealty.net

604 Highway 98, West

Deborah Burdette Broker

Gerry Burdette (706) 207-2820

Zachary Kidd (706) 498-7804

Shirley Lightner (706) 296-7558

Danielsville, GA 30633

Patrice Luke (706) 202-0573

Gabe Martin (706) 338-3635

Amanda Smith (706) 680-1800

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CO U

(706) 207-2825

CUTE 3BD/2BA HOME IN THE HEART OF FRANKLIN SPRINGS. LARGE CORNER LOT.WOOD BURNING FIREPLACE. FRESHLY PAINTED. READY TO MOVE IN OR FOR INVESTORS $119,900 Zach 706-498-7804 or Amanda 406-680-1800 Text R735063 to 52187

BEAUTIFUL HOME, MAGNIFICENT VIEWS, 20 ACRES, 800+FT ON THE BROAD RIVER. Fenced with pasture & woods. In ground pool, fishing pond & picturesque red barn. $379,000 Zach 706-498-7804 or Amanda 406-680-1800 Text R772875 to 52187

THIS BEAUTIFULLY LANDSCAPED HOME HAS ALL THE SPACE YOU NEED WITH 4 BEDROOMS, huge bonus room and mother in law suite. Tons of upgrades! Located in Jefferson. $350,000. Call Amanda 706-680-1800 Text R827017 to 52187

COUNTRY LIVING AT IT’S BEST!!! 3BR/2BA Cape Cod on a full finished basement. 111+ acres, fenced and cross fenced, ponds, barn, water tanks, hay fields, zoned A1. $750,000 Gerry 706-207-2820 Text R563930 to 52187

CUTE, CLEAN AND MOVE IN READY! Great corner 1.6 acre lot with open land. Split bedroom plan with 3BD/2BA. Country living at its best, only minutes to Colbert, Athens and shopping. $165,000. Deborah 706-207-2825 Text R815728 to 52187

2 TRACTS (1) 48+ ACRES, PASTURE, CREEK, POND, HAY BARN AND A ROAD SIDE STORE. $389,760 (2) 64.967 acres of pasture that is fenced and cross fenced. Will make a great cattle, horse, goat or hay farm. $389,760 Amanda 706-680-1800 Zach 706-498-7804

95.63 ACRES OF PASTURE LAND, fenced and cross fenced, stream, double paved road frontage, near shopping and I85, 2 houses that are rented. A1 zoning and in conservation. $650,000 Gerry 706-2072820 Text R743263 to 52187

COMMERCIAL PROPERTY IN COLBERT $69,900 Call Gabe 706-338-3635 Text R547695 to 52187

SANDY CREEK GOLF COURSE LOTS PRICES FROM $35,000 TO $55,000 Deborah - 706-207-2825 Text R672466 to 52187

LAKE LOTS STILLWATER COVES TIGNALL $29,500 PER LOT. Gabe 706-338-3635 Text R424163 to 52187

GREAT HOME WITH LOTS OF SPACE, SOME FENCED PASTURE, ABOVE GROUND POOL, near schools, shopping, I85 and Athens. A must see! $225,000 Deborah 706-207-2825 Text R783278 to 52187

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BEAUTIFUL 107 ACRE COUNTRY ESTATE. 3BR 2 BATH, all brick, 2 car garage, 2 equipment/hay barns. Mostly fenced pasture land & pond. Convenient to Winterville & Athens. $725,000 Gabe 706-338-3635 Text R292740 to 52187

Double road frontage. High visibility! $500,000 Gerry 706-207-2820

5 wooded acres located in the Shiloh community of Danielsville. $32,900 Amanda 706-680-1800 Zach 706-498-7804

MADISON COUNTY 25.56 wooded acres with barn and drive way. $184,600 Gerry 706-207-2820

5.99 acre lot in desirable Ila School district. $45,000 Patrice 706-202-0573

LAND

ATHENS/CLARKE COUNTY

Private country setting, paved road frontage, minutes to Athens. $30,000 Gerry 706-207-2820 A1 zoning. Beautiful creek. Multiple wells. WILL DIVIDE. $309,000 Gerry 706-207-2820 Beautiful wooded tract mostly hardwoods with small pond. $112,500 Gabe 706-338-3635

BANKS COUNTY 30.45 acres of wooded land, easy access to I-85. $210,105 Gerry 706-207-2820 FRANKLIN COUNTY Build your dream home on nearly 2 acres in Tanglewood Subdivision. $13,900 Amanda 706-680-1800 Zach 706-498-7804

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PRIVATE OCONEE COUNTY RETREAT ON 6.21 ACRES.

THIS SOUTHERN LIVING PLAN WAS DESIGNED BY ARCHITECT JOHN TEE AND IS CALLED: WISTERIA COTTAGE. Main house includes total of

5 bedrooms(master on main, two upstairs, 2 terrace level), and 3.5 baths. Spacious sodded/natural area off terrace level & leading to Carriage House. Upper level of Carriage House consists of 1 bedroom/bath suite, great room, ready to add a kitchen if desired. Main level of Carriage House has additional bedroom/office option, shop area OR with removal of divider walls, could have a BIG double garage. Separate 2 car garage with plenty of attached parking leading to the circular driveway. Beside the gentle flowing stream passing through this property is a separate natural events nestled in a hardwood tree forest. MLS:961559 Text R749275 to 52187

A SSOCIATE B ROKER GREATER ATHENS

706-316-2900

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Laura Wilfong

ABR, GRI, Associate Broker, Circle of Achievement Lifetime Member

Cell: 706.540.8991

www.LauraWilfongRealty.com laurawwilfong@gmail.com

706.543.3800

A Place Youʼll Be Glad to Call Home…

CHARMING GEORGIAN HOME IN HIGH RIDGE NEIGHBORHOOD, BOASTING WONDERFUL WESTSIDE LOCATION! Traditional home with formal floor plan perfect for entertaining, featuring NEW roof, a spacious yard and much more! $322,000 Text R753359 to 52187

A Mortgage You Will Love, People You Can Trust Get a mortgage ortgage from the people e you can trust at Fidelity Bank Mortgage. We We are a direct ect lender with in-house processing ing and underwriting, which hich means loan decisions are made faster faster.. Our in-house e mortgage operation allows ws you to be informed every step of the way. way. Call Fidelity Bank Mortgage in Athens for all of your Mortgage needs. ds.

Andy Eastman

Brenda Smith

Area Branch Manager 706.255.4493

Senior Mortgage Banker 770.403.3551

NMLS 284014

NMLS 35179

Joe Bishop

Senior Mortgage Banker 864.993.0047 NMLS 204256

Loans subject to normal credit approval criteria.

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Bob Booth

Lynora Sapp

706-540-9632

706-540-0626

leadersbob@gmail.com

Rated High In Client Satisfaction

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lynora.sapp@gmail.com 1551 Jennings Mill Road, Suite 800 Watkinsville, GA 30677

706-354-1000

www.BobsAthensAreaHomes.com

Thinking about Selling? I need you & you need me! Call for a FREE Market Analysis!

www.WeSellAthensHomes.com

AVAILABLE PROPERTIES IN FIVE POINTS

5 POINTS. 2/3 BR, 2 BATH, hardwood floors and tile, mammoth lr with fireplace, separate dr, basement, fenced in yard. Rear deck with arbor. $280,000 Call Bob today! 706-540-9632 Text R683879 to 52187

GREAT PRIVACY AT END OF CUL-DE-SAC IN POPULAR AND SOUGHT AFTER 5 POINTS / GLENWOOD AREA. Good investment property or remodel with your specific touches. Call Bob 706-540-9632 Text R795856 to 52187

BEAUTIFUL WOODED LOT, GREAT FOR BUILDING. a lot of road frontage on Hwy 77 S and Wirebridge Cutoff Rd. Call Carrie 706-224-8816 Text R406673 to 52187

Carol Sapp REALTOR® 706-354-1000

Eddy Thaxton REALTOR® 70-202-4607

Roy Woodal REALTOR® 706-424-4925

Margie Freeman REALTOR® 706-207-0923

UPSCALE MEDICAL OFFICE SPACE IN A GREAT LOCATION AVAILABLE FOR SALE OR LEASE. Large reception area, waiting room, 6 exam rooms, private offices, lab area, kitchen, and storage rooms. The office is in excellent condition and move in ready. Call Lynora 706-540-0626 for details. Text R346057 to 52187

Greg Waddell REALTOR® 229-254-8047

Carrie Rogers REALTOR® 706-224-8816

Tiffany Neal REALTOR® 678-858-8562

Cathy Hamby REALTOR® 706-255-4558

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“We buy Homes. Any Condition. Quick Cash!” OFFICE 706.355.3178

149 BEN BURTON CIRCLE CIR RCLE CLEE BOGART, GA 30622

www.RACProperties.com

Rob Scott Team (706) 355-3178

CE D

Get GetDetails Details Instantly! Text Instantly! TextProperty Property Code to 52187 Code to85377

1130 TANGLEBROOK DR, ATHENS, GA 5BR/4BA/3 halfBA $779,990 This fully renovated one level 8,500 sqft (with full finished basement) Oconee County estate sits on 3.36 acres of private creek front property in Tanglebrook. Open floor plan. Brand-new kitchen offers new 15k Viking appliances, 3 pantries, new granite counters, subway tile back splash, built-in pot filler over gas range, & hardwood flooring. The kitchen is open to the massive living room with oversized stone fireplace, plenty of built in walnut shelving, & a wall of glass doors leading to the huge back porch! Master suite offers two closets, private access to back deck and large on-suite bath .Huge shop with drive-around access & bay door. 3-car attached garage. Text R694508 to 52187

295 VINCENT DR, ATHENS $149,990 3BD/2BA has a new roof and hvac. Large covered back porch overlooks fenced in yard. Text R805037 to 52187

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1520 CLOTFELTER RD, BOGART $319,990 4BD/3BA home sits on almost 3 acres located in Oconee County with over 3,000sqft of living space. Large eat-in kitchen, mother-in-law suite with exterior access. Spacious back deck with a covered back patio. Text R821686 to 52187

6551 HOG MOUNTAIN RD, BOGART, GA $219,990 Oconee County 3BD/2BA with a spacious kitchen and new appliances. Four season sunroom. New metal roof. Three door loft barn off the side of the house. Text R742020 to 52187

151 WATER TOWER LN, LEXINGTON $84,990 4BD/2BA ranch style home is recently renovated. New flooring and fresh paint throughout. Text R563922 to 52187

682 JACK SHARP RD, COLBERT $125,000 4BD/2BA charming brick home sits on almost 1 acre of open land. Back deck over looks private fenced in yard. Text R809177 to 52187

2340 WINTERVILLE RD, ATHENS, GA $159,990 4BD/2BA home with spacious front and back yard, huge walk in pantry with built in shelves, hardwood flooring, large living area, completely remodeled master bath. Text R824790 to 52187