88564.29.12.001.qxp_LiveEditCover 10/31/13 10:34 AM Page 1
THE
Real EstateBook速 Volume 29, Issue 12
Featuring: Harris County And Lee County
COLUMBUS, GA AND PHENIX CITY, AL
COVER HOME: $229,500! Backwater 3BR/3BA Bi-level. Deeded 1 acre wooded lot. Remodeled. Property details on page(s) 6. Get more photos and details from your phone.
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CONTACT: ALLAN WRAGGS COLDWELL BANKER KENNON, PARKER, DUNCAN & DAVIS 706-256-1000 TO ADVERTISE, CONTACT: Dick Smith 706-566-7271 smith-treb@att.net
88564.29.12.RmxPrime:Layout1 11/1/13 7:09 AM Page 1
Page 2 - Why Buy Now? Ask a REALTOR® - Vol. 29, No. 12
Prime Realty 5501 Veterans Parkway • Columbus, GA 31904 706-327-6111
MEMBER OF THE MILLION DOLLAR CLUB
Let Our Family Help Your Family With Your Next Move! The Family Connection
JEAN PENDER & ALICIA PERSONS
for additional pics go to www.remax.com or e-mail us at jrpender@ldl.net
Each Office Independently Owned and Operated
LAMBERT LAKES ESTATES | Custom built home on 2.46 acres | Situated on Spring Fed Lake and in gated community | 3BR/4.5BA | Great Room | Daylight Basement | Loft | Bonus Room | 2 car garage with eff. apartment | 3800 sq.ft. | $385,000 MLS/ID:134117 Text T1590000 to 85377
4BR/3BA | 2300 sq. ft. | GR w/ FP | New CH&A | Updated kitchen w/ stainless appliances | New pool motor and liner | In ground pool | 2 sheds and pavillion | Boat shed | Fenced yard | $184,900
BROOKSTONE-Just listed, this is a great house at a great price! 4BR/3BA, 2391 square feet, Great Room with FP, vaulted ceiling & built-in cabinets, Formal Dining Room, Kitchen w/dining area, new carpet throughout, screened porch overlooks large, fenced backyard, double garage. $224,900.00. MLS/ID:135203 Text T1682083 to 85377
NEW ON MARKET | 1537 sq. ft. | 8 years young | 3BR/2.5BA (split plan- MB on main) | Great Room | Dining Area | Loft area overlooks GR | Soaring ceilings and hardwood floors | Security System | 1 car garage | Privacy fence | Patio | Totally electric | North Columbus | $149,900 | Text T1067295 to 85377
2 STORY TRADITIONAL BRICK - Great Room w/ FP | Formal Dining Room | Kitchen with Island and Serving Bar | 3BR/2BA on main level | 1BR/0.5BA on upper level and Bonus Room | New roof | Inground Pool | Barn | Horse stall and pole barn | 2 car garage | Beautiful setting with small pond in front of house | Very private home! | $445,000 | MLS/ID:132709 MLS/ID:132709 Text T1586059 to 85377
THE BEST OF BOTH WORLDS can be yours in this wonderful 4BR/3.5BA, 112 year old home in Smith Station, AL. Wrap around porches | 3 living areas | New dual pane windows | New roof | Hardwood floors | Screened in porch | Salt-water pool | In-law suite | New wiring | The list goes on! This home is situated on 4.08 acres with a barn, detached 3 car garage/carport. Historical charm with modern conveniences! Priced at only $289,900! MLS\ID:129665 Text T1034409 to 85377
JUST LISTED- Wonderful, remodeled home on fenced, corner lot. Brick, approx. 1831 sqft., 4BR/2BA, LR/DR combo, separate den with 2 bay windows and window seats, new 18” ceramic tile flooring, carpet, paint, fixtures, ceiling fans and more! Large storage shed with covered patio and landscaped yard. $80,500.00.
3.24 ACRES IN MUSCOGEE | Just listed | 4BR/2.5BA brick home sets in Musc. & Harris Cty | Approx. 2061 sq. ft., | LR | Spacious kitchen with dining area | Fireplace | Bonus Room | Updated Kitchen | Update Bathroom | Hardwood Floors | Ceramic Tile | Gorgeous landscaped yard with pond and deck! | Must see!! | $189,900 MLS/ID:133103 Text T1586062 to 85377
WAVERLY HALL | 2172 sq. ft. | 4BR/2BA | 1 acre lot | Low maintenance brick/ vinyl exterior | Formal Living Room and Dining Room | Separate den w/ FP | Decks on front and back | 1061.5 sq. ft. basement and plumbed for an additional bathroom | Nice kitchen with stainless appliances and serving bar overlooking den/dining area | $189,000
BEAVER POND | Lovely one story home plus full basement | 2385 sq. ft. | 4BR/2.5BA | Totally electric | GR with FP | Formal DR | Den | Large workshop with A/c & wired | Deck | Patio | Sprinkler | $219,900 MLS/ID:133097 Text T1607927 to 85377
3700 SQ. FT. | 5BR/4.5 BA | GR w/ marble FP and soaring ceiling | Formal DR | Bonus Room | Split BR plan- mater and guest BRs on main floor | Over-sized garage | Covered back porch | Privacy fence | Sprinkler system | Professionally landscaped | Circular driveway | All upgrades are granite, stainless steel, the list goes on! | $500,000 MLS/ID:131103 Text T1579117 to 85377
COTTONWOOD PLANTATION | 2144 sq. ft. | 3BR/2BA (split plan) with vaulted ceiling and FP | Dining Room with column and trey ceiling | Kitchen with breakfast area | Sunroom with double sided FP shared with GR | Upgrades include fresh interior paint, tile flooring, and back slash counter tops | Cul-de-sac that backs up to green space | $192,900 | MLS/ID:132349 Text T1067431 to 85377
88564.29.12.CBKeithMaryW:Layout1 11/1/13 7:22 AM Page 1
Why Buy Now? Ask a REALTOR® - Vol. 29, No. 12 - Page 3
Keith & Mary Williams Rated #1 By An Independent Lab!
706-321-1111 • 706-323-8371
KENNON, PARKER, DUNCAN & KEY
WWW . KEITHANDMARYWILLIAMS . COM
LAKE HARDING RESORT LIVING! *AWEsOME, POINT LOT *MAsTER W/ sITTING ROOM *PANORAMIC VIEWs *COVERED PATIO
*MULTIPLE LIVING AREAs *INGROUND POOL *KITCHEN IsLAND & WET BAR *DOUBLE BOATHOUsE
CALL 706-321-1111
6 SECLUDED ACRES IN HARRIS COUNTY *COMPLETE PRIVACY! *LARGE GREATROOM *4 BRs/3.5 BAs *FORMAL DINING ROOM
*10 MINs TO TOWN *IN LAW sUITE *sPACIOUs KITCHEN *LARGE WOODEN DECK
CALL 706-321-1111
IMPECCABLE HARRIS COUNTY HOME *2900+ sQ. FEET *GOURMET KITCHEN *ORIGINAL OWNER *4 CAR GARAGE
*MINUTEs TO TOWN *sCREENED PORCH *OPEN FLOOR PLAN *UPGRADEs GALORE! CALL 706-321-1111
COUNTRY SECLUSION ON 4.62 ACRES *HARRIs COUNTY *OPEN FLOOR PLAN *CLOsE TO TOWN *WOOD FLOORs
*PLANTATION sHUTTERs *sCREENED PORCH *sEP. BONUs BUILDING *ONLY $235,000 CALL 706-321-1111
CUSTOM BUILT HOME IN BRIDGEMILL *4 BRs/4 BAs/TWO 1/2 BAs *BONUs ROOM OR 5TH BR *PERFECT FAMILY HOME *PRIVATE BACKYARD
*NEsTLED ON A CUL-DE-sAC *sPACIOUs COVERED DECK *NORTHsIDE sCHOOLs *COMMUNITY POOL
CALL 706-321-1111
18TH HOLE OF MAPLE RIDGE *ABsOLUTE MUsT sEE! *VIKING GAs RANGE *CATHEDRAL CEILINGs *sCREENED PORCH
*OVER sIZED BEDROOMs *LEVEL BACKYARD *GRANITE COUNTERs *FABULOUs AMENITIEs
CALL 706-321-1111
ADORABLE LAKE HARDING HOME! *DEEDED LOT! *NEW ROOF & WINDOWs *TURN KEY *12x16 FLOATING DOCK
*NEW PAINT & sIDING *BOATHOUsE W/ LIFTs *NEW HEATING/AIR UNIT *$299,900
CALL 706-321-1111
BEAUTIFUL OPEN WATER VIEWS! *LAKE HARDING *sPACIOUs BEDROOMs *168 FT OF WATERFRONTAGE *sUNROOM
*AMAZING LEVEL LOT *DOUBLE BOATHOUsE *FANTAsTIC VIEWs! *ONLY $289,900
CALL 706-321-1111
88564.29.12.HowToModify:9600 11/1/13 7:10 AM Page 1
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88564.29.12.GaryWhite:0100 11/1/13 7:11 AM Page 1
Why Buy Now? Ask a REALTOR® - Vol. 29, No. 12 - Page 5
GARY WHITE Office 706-256-4159
• Cell 706-566-3073
whigry@aol.com
RE DU CE
D
Licensed in GA and AL
WONDERFUL All Brick Home in Desirable Lee County Location, convenient to Fort Bennings, Smiths Station School and Close to Phenix City/North Columbus. Great room, dining room, eat-in kitchen, sitting room, 3BR/2BA split plan, 9’to10’ ceilings, crown moldings, stainless appliances, wood, carpet and ceramic floors, stone fireplace w/gas hookup, 2 car garage, covered back porch w/low AL taxes. MLS/ID:133364 Text T1539978 to 85377
NICE 3BR/2BA HOME on large lot. Great rm w/hardwood floor, Kitchen view of great rm, ceramic tile & carpet. Exterior hardiplank & stone. Double attached carport. One year home warranty. Gary 706-566-3073 MLS/ID:56412
IN TING STAR $140'S THE
QUALIFIES FOR USDA 100% FINANCING. Will build to Suit! 13 miles to the back gate of Fort Benning. Low Alabama Taxes.
NICE HOME w/updated kitchen and bathroom. Carpet, tile, blinds, eat-in kitchen, den w/fireplace. 3 Bedroom, 2 bath, separate living room, separate dining room, approximately 6K whole house water softner unit added. Level yard, ceiling fans and new interior paint. Storm door and windows. MLS/ID:134357 Text T1604223 to 85377
SPACIOUS HOME in established area. Needs a little TLC, great fro the 1st time home buyer! Great room and dining area w/stone fireplace (gas starter), wood laminate floors in almost every room, kitchen w/gas stove, dishwasher and laundry area with dryer, large wood deck overlooking backyard w/powered workshop. Easy access underneath for inspection (floor joist look solid). MLS/ID:135117 Text T1657309 to 85377
CUTE 3 BEDROOM 1.5 BATH Home w/single carport on large lot, plus large storage building/shop. Home features wood floors, storm windows, deck, ceiling fans, updated heat pump and water heater. MLS/ID:133731 Text T1565743 to 85377
GREAT HOME! Lot of sqft for the money, needs a large family. Updated and well maintained home, 5 bedroom, 3 full bath, 2 half baths, bonus room, den, recreation room, bar area, dining/living combination, sitting room. Total electric, 2 heat pumps, close to I85 Fort Benning. MLS/ID:133933 Text T1578354 to 85377
RE
DU
CE
D
NICE HOME IN DESIRABLE NORTH COLUMBUS with easy access to Fort Benning, shopping, schools and restaurants. Great for First Time Home Buyers or Buyers looking to Downsize. Home Features Entry foyer, Great room w/Fireplace, dining area, kitchen w/updated counter tops/dishwasher, ceramic floors. 3 Bedroom, 2 Bathroom, Master w/walk-in closet and double vanities, wood floors in foyer, dining area and hall carpet in great room and bedrooms. New Heat pump and programmable thermostat. Cathedral/Trey ceilings. MLS/ID:134891 Text T1641146 to 85377
88564.29.12.Masthead:Layout 1 11/1/13 7:12 AM Page 1
Page 6 - Moving? For A Free Book Call 1-800-841-3401 - Vol. 29, No. 12
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Dick Smith
lower bedroom has sitting area.
Phone: 706-566-7271 Email: smith-treb@att.net
Remodeled, new paint, etc. 1 acre
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wooded lot. Floating dock. NEXT ISSUE SUBMISSION DEADLINE IS:
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Kennon, Parker, Duncan & Key ®
Expect the best.
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Licensed in GA & AL
“All real estate advertised herein is subject to the Federal Fair Housing Act which makes it illegal to advertise any preference, limitations, or discrimination based on race, color, religion, sex, handicap, familial status, or national origin, or intention to make any such preferences, limitation, or discrimination. We will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis.”
88564.29.12.Filler:0800 11/1/13 7:13 AM Page 1
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88564.29.12.C21AllStar:88564.25.6.May0809 11/1/13 7:15 AM Page 1
Why Buy Now? Ask a REALTOR® - Vol. 29, No. 12 - Page 11
Office Hours
All Star Realty
Mon-Fri 9am - 5:30pm Sat 9am - 5pm Sun 1pm - 4pm
(706) 323-2778 Toll Free (800)334-8595 web address: c21allstar.com • email address: cent21rds@aol.com
DAVID STANTON BROKER / OWNER
TOTALLY REMODELED and updated house, New Carpet, New Paint, New Ceramic Tile, New Granite Counter Tops in the Kitchen, Updated Cabinets, This home is move in ready and waiting on your family. Sears Woods Subdivision, 4 Bedrooms, 3 Bathrooms, 4511 Square Feet. MLS/ID:129720 Text T868504 to 85377
FRESH INTERIOR and Exterior Paint, Granite counter tops in the kitchen, Brand New Ceramic Tile in all 3 bathrooms, Lots of updates and perks - This home is move in ready. Huge Storage room under the Carport with Built In Shelves, Built In Bookcases in the Den, Tile in the Kitchen and Dining Room, Hardwood floors in the Den. Stainless steel appliances in the kitchen to include Refrigerator, Double Oven, Stove, and Dishwasher. MLS/ID:133724 Text T1563377 to 85377
BEAUTIFULL WELL maintained home with privacy fence in-ground pool( pool not part of system checks).OWNER VERY MOTIVATED AND OFFER ONE YEAR HOME WARRANTY. MLS/ID:131830 Text T1000692 to 85377
GREAT HOME for your family, Short sale package in progress. MLS/ID:135490 Text T279971 to 85377
MUST SEE... All Brick, 3 Bedrooms, 2 Bathrooms, Main living room and family rm, main dining room... eat in breakfast area, has alarm ready installed need to activiate... Large backyard with 1 metal shed. Large patio with cover, seller is willing to assist with closing. 1 yr home warranty. Neighborhood pool (Fee) for use (not mandatory) MLS/ID:135569 Text T1684909 to 85377
SHORT SALE Paperwork in progress, Lender Approval required, Great home with lots of potential. MLS/ID:135489 Text T1680765 to 85377
FORECLOSURE PROPERTY Sold in As Is Condition, Earnest Money must be 3% or $1000 whichever is greater, Great deal in great area, Updates include: New exterior light fixtures, Repaired driveway, Repaired chain link fence, Repair garage and bring to code including new garage door, New access door, Install new roof shingles, Paint interior and exterior of the garage, New Hot Water Heater. MLS/ID:134350 Text T919027 to 85377
FARRWOODS COVE SUBDIVISION, 3 Bedrooms, 2 Bathrooms, 1445 Square Feet, Great Room with Fireplace, Formal Dining Room, Kitchen with eat in space, Master Bedroom with walk in closet and trey ceilings, Master Bathroom with Seperate Shower and Soaking Tub, Deck on Side of the House, Patio, Sloped Lot, New Carpet, New Stove and Refrigerator. Great house to a make a home. MLS/ID:134908 Text T1641149 to 85377
CUTE 4 BEDROOM, 1.5 BATHROOM, Brick home. Fresh paint in a well established neighborhood. Bring all offers, possible short sale. All offers are subject to Bank approval. MLS/ID:133115 Text T1521834 to 85377
WELCOME, the amenities of a luxury apartment, with the perks of being an owner. This cozy 3 bedroom, 1.5 bathroom is perfect for you. New air condition unit, new appliances, new high efficiency toilets. All bedrooms are spacious with lots of closet space. Cool off just steps from the front door in your immaculate swimming pool. There is also a clubhouse for entertaining. MLS/ID:134239 Text T1596660 to 85377
AGENTS, Your clients will thank you for showing this home. This home is well maintained. Beautiful wood floors. An enormous back yard for entertaining, screened patio and the yard is totally fenced. The bathrooms are updated, large closets through out. Just minutes from Fort Benning. MLS/ID:130920 Text T942903 to 85377
A DELIGHTFUL Charming home in great condition. A must see 3 Bedroom and 1 bath. Large backyard. Bring all offers. MLS/ID:135042 Text T1650009 to 85377
w w w. h o m e s t a r l o a n . c o m
88564.29.12.Homestar:Layout 1 11/1/13 7:17 AM Page 1
678.459.loan (5626) **
FRE*E
5754 W. Stewarts Mill Rd, Douglasville, GA 30135 NMLSR # 70864 Georgia Residential Mortgagee Licensee #17368 FHA Lender ID 1897400009 VA ID 64103600000
Credit
Report
***
$249,000 SALES PRICE $1,251 Per Month NO DOWN PAYMENT 4.00% interest rate • 4.277% APR
$227,000 SALES PRICE $1,057 Per Month 3.5% down payment 4.00% interest rate • 4.348% APR
$219,000 SALES PRICE $1,068 Per Month NO DOWN PAYMENT 4.00% interest rate • 4.298% APR
$193,000 SALES PRICE $888 Per Month 5% down payment 4.125% interest rate • 4.368% APR
$146,000 SALES PRICE $672 Per Month 3.5% down payment 4.00% interest rate • 4.253% APR
$146,000 SALES PRICE $673 Per Month 5% down payment 4.00% interest rate • 4.253% APR
We offer many programs in addition to the following: • 100% USDA Loans - 100% VA Loans • HUD $100 Down Program • FHA 3.5% Down & FHA 203K Renovation Financing • Call today for a free Pre-Qualification!!! * Payments Do not Include homeowner’s Insurance and taxes * rates subject to change * aPr based on seller paid closing to qualified borrowers.
88564.29.12.Homestar2:Layout 1 11/1/13 7:19 AM Page 1
Know
your Financing Options
$349,000 SALES PRICE $1,665 Per Month NO DOWN PAYMENT 4.00% interest rate • 4.298% APR
$399,000 SALES PRICE $1,856 Per Month 3.5% down payment 4.00% interest rate • 4.262% APR
$229,000 SALES PRICE $1,116 Per Month NO DOWN PAYMENT 4.00% interest rate • 4.316% APR
$219,000 SALES PRICE $1,029 Per Month 5% down payment 4.125% interest rate • 4.356% APR
$169,000 SALES PRICE $1,177 Per Month - Incl Taxes & Ins! 3.5% down payment 4.00% interest rate • 4.226% APR
$139,000 SALES PRICE $946 Per Month - Incl Taxes & Ins! 5% down payment 4.00% interest rate • 4.213% APR
5754 W. Stewarts Mill Rd, Douglasville, GA 30135 NMLSR # 70864 Georgia Residential Mortgagee Licensee #17368 FHA Lender ID 1897400009 VA ID 64103600000
Call Today For FREE Prequalification 678.459.LOAN (5926)
88564.29.12.Gatewood:0800 11/1/13 7:20 AM Page 1
or Agent Ask Your Builder howing For A Private S PHENIX CITY SCHOOL SYSTEM
2 STORY TOWNHOUSE, Covered porch, 10x10 deck w/steps, 1 car garage w/opener, underground sprinklers, Kitchen w/island serving bar. Ask about no yard maintenance. 2-10 HBW!
00
9 1,
1
$1
ING
RT STA AT 00! 9 , 2 $14
MANY NEW HOMES UNDER CONSTRUCTION 3 & 4 Bedroom homes under construction now!
D
L O S
4BR/3BA, Teen bonus room upstairs w/bath. Dining room with boxed molding & tray ceiling, vaulted Great room w/fireplace. Eat-in kitchen has granite counter tops, breakfast area & pantry. Large storage area. Master has tray ceiling, walk-in closet. Seller pays $5000 in closing cost & prepaids. MLS/ID:119862 Text T339980 to 85377. MLS/ID:119862 Text T339980 to 85377
* SELLER PAYS $5,000 IN CLOSING AND PREPAIDS. ALL HOMES WITH COMPLETE APPLIANCE PACKAGE, FENCED BACKYARD AND CUSTOM MAILBOXES
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88564.29.12.ScottWhitten:Layout 1 11/1/13 7:21 AM Page 1
Page 15 - Moving? For A Free Book Call 1-800-841-3401 - Vol. 29, No. 12
SCOTT • WHITTEN, INC. REALTORS®
563-4444 3 Bradley Park Ct - Suite D, Columbus, GA 31904 Licensed in GA & AL E Mail: ScottWhitten@mindspring.com
BROOKSTONE! $199,900 House and Gardens! Rare find - Custombuilt with great details. Storage, custom cabinets - “unbelievable”! 2480 H&Csf+ garage and storage room. 3BR/2BA, formal living & dining, family rm, breakfast, kitchen, laundry room large enough for a home office. Corner lot w/brick fence. Back yard is divided into glorious garden areas. Well maintained What more could you want? Cal Brenda 706573-1648 or 706-563-4444.
HAMILTON VILLAGE
FIVE ACRES - Approx 400 ft road frontage in developing commercial area North of Williams Rd. Great access to I185 or J R Allen Parkway. Across from 84 Lumber. $315,350. Call Brenda 706573-1648 or 706-563-4444.
9 Beautiful Residential, wooded lots on city sewage and water. Commercial lots available at entrance to subdivision next to Harris County High School. For Plats & Prices
Call Brenda Whitten 706.573.1648 or 706.563.4444
FOR LEASE 1000 SQFT just off Manchester Expressway, behind Northside Pawn. Available now. $850 mo rent, minimum one year lease. Call Brenda 706-573-1648 or 706-563-4444.
88564.29.12.Wraggs:0100 11/1/13 7:21 AM Page 1
ALLAN WRAGGS
-
Licensed in GA & AL
SOLD
3 2 3
706-464-4441
®
8 3 7 1
Kennon, Parker, Duncan & Key Expect the best.® Each Office Independently Owned & Operated
706-464-4441 “Lifetime Member Circle of Excellence Million Dollar Club”
$139,900 COUNTRY LIVING. 3BR/2BA ranch, nice quiet wooded lot, huge Great rm, split BR plan, Lg MBR, w/hardwood flooring, Lg eat-in kitchen, ceramic tile, Laundry rm. 1 car garage. Many deer & turkey. Allan 706-464-4441. MLS/ID:134853 Text T1632571 to 85377
$149,900. N. COLUMBUS 3BR/2BA beauty. Double Churches School area. Great rm w/fireplace, cathedral ceiling, sep Dining rm, Bonus rm, Huge screened porch, lg workshop, huge wooded lot, 2 car garage, quiet cul-de-sac. Allan 706-464-4441. MLS/ID:134546 Text T1614689 to 85377
$174,900. N. COLUMBUS. Double Churches School Area. 3BR/2BA, Great rm w/fireplace, sep Dining rm, huge screened porch, extra large workshop w/attic storage, super level lot, 2 car garage, quiet cul-de-sac & area. Allan 706-464-4441.
$106,900. NORTH COLUMBUS. 4BR/2BAsplit level. Sep Dining rm, sep living rm, Lg great rm, New carpet, buyer chooses color. Lg fenced yard with storage shed. Quiet cul-de-sac. Allan 706-4644441.
$89,900. NORTH COLUMBUS. 3BR/1.5BA brick ranck. Family rm, eat-in kitchen, inside laundry rm, storage rm in carport. Rear wooden deck overlooking private fenced yard w/garden area. Storage shed, fresh paint. Close to mall. Allan 706-464-4441.. MLS/ID:135021 Text T1648663 to 85377
$89,900! NORTH COLS. Nice 3BR/1.5BA brick ranch. Lg Family room, Lg country eat-in kitchen, New carpet, New paint, New roof, level fenced yard with storage shed & swing set, Laundry rm. Close to airport & shopping. Allan 706-464-4441.
MORTGAGE Call for Loan Qualifying and Rates Grace Lusher Wraggs $229,500! HARRIS COUNTY. Backwater deeded lot. 3BR/3BA, bilevel, sun room, lower bedroom has sitting area. Remodeled, new paint, etc. 1 acre wooded lot. Floating dock. Allan 706-464-4441.
Mortgage Advisor NMLS #: 448884
(706) 577-7084 grace.wraggs@mortgagefamily.com
http://gracewraggs.coldwellbankermortgage.com