Northwest Atlanta HOME & LIFESTYLE GUIDE Volume 30, Issue 4
5
KITCHENS
THAT FAMILIES LOVE
DESIGN TRICKS
TO REVAMP YOUR HOME
LAKE ARROWHEAD MOUNTAIN HOME WITH SEASONAL LAKE VIEWS!
COVER HOME DETAILS ON PAGE 8 & 9.
FEATURED REALTOR速 CLAY DALTON 770.815.5451 RE/MAX AROUND ATLANTA WWW.LAKEARROWHEADSALES.COM
REALESTATEBOOK.COM - REQUEST FREE MAGAZINES ONLINE, OR CALL 800-841-3401 00113.30.4.001.Cover.indd 1
4/18/16 7:52 AM
404-334-2402 404-334-2402
770-720-4663 770-720-4663 pathpost.com pathpost.com
Es3mate the value Es3mate the value of your home in 60 seconds. of your home in 60 seconds. One Website
All the homes in this book plus the entire MLS in the palm of your hand.
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EXPANSIVE CORNER LOT $450,000 Exquisite custom 6BD/4.5BA highlighted by picturesque views! New granite kitchen with keeping room. Master on main with breathtaking new granite & tile bath. Fabulous terrace full in-law suite. 3 sided brick! PathPost.com
LAKEFRONT LUXURY LIVING $400,000 Deepwater dock + grassy area by lake + screened porch + huge deck! Soaring stacked stone floor-to-ceiling fireplace. Astonishing lake views. Master & guest suites on main + guest suite up. Loft! Lake-Arrowhead-GA.com
BRADSHAW FARM GOLF CLUB $325,000 Fantastic terrace suite boasts kitchen, family room, bed & bath! Tranquil screened porch & party deck overlook fenced backyard. Hardwood floors. Excellent SE Cherokee location. Award-winning schools! BradshawFarmHomes.com
SERENE MOUNTAIN SETTING $324,900 Craftsman RANCH! Granite & stainless chefs kitchen with island. Fireside screened deck. Master suite with sitting area & luxurious spa bath. Terrace level teen/in-law suite. Private cul-de-sac! Lake-Arrowhead-GA.com
THE ARBORS AT TOWNE LAKE Fresh neutral decor & open floor plan! Kitchen open to fireside family room with wall of windows. Dreamy master suite with bayed sitting area & tile bath. Terrace level includes flexible finished space + workshop! PathPost.com
INDULGE IN CAREFREE LIFESTYLE $244,000 Pristine 2BD/2BA RANCH condo! Fireside family room. Tons of windows. Solid surface counters & snazzy appliances. Tile bonus room. Fenced, private patio. Active adult community with pool, fitness, clubhouse! PathPost.com
CREEKVIEW HS DISTRICT $225,000 Prime location! Modern dark hued hardwood floors. Rich stained cabinets, stainless appliances, tile backsplash & island bar highlight kitchen. Massive bonus room/ loft. Iron spindles; Sought-after schools! PathPost.com
EAGLE WATCH GOLF COMMUNITY QUIET NEIGHBORHOOD WITH NO HOA $190,000 Suburban bliss in cheery open plan! $174,000 Cape Cod RANCH! Hardwood floors. New stainless appliances. Built-ins. Elegant Vaulted fireside family room. Split bedroom hardwood floors. Double French doors. plan. Vaulted master suite with garden bath. Fenced backyard. Lower level storage. Great Basement semi-finished flex room. Private amenities. New flooring/fixtures/hardware! yard. Fresh interior paint. Creekview HS! PathPost.com PathPost.com
1.5 ACRE WOODLAND RETREAT $174,000 Cape Cod charmer offers rocking chair front porch! Warm-hued hardwood floors + crisp tile floors. Stacked stone fireplace. Stainless appliances. Main level master suite. Super property with creek & ATV trails! PathPost.com
FABULOUS FENCED BACKYARD $160,000 Beautiful 4 bedroom RANCH exudes charm galore! Hardwood floors. Vaulted ceilings. Tons of natural light. Stone fireplace. Finished basement area with full bath creates excellent teen/guest suite or man cave! PathPost.com
00113.30.4.002.Path&Post.indd 1
NESTLED ON QUIET STREET $120,000 Low maintenance 4 sided brick RANCH duplex! Each unit features 2 bedrooms, 1 bath, spacious family room, eat-in kitchen & private patio. Grassy lawn. Custom outbuilding. No HOA. Great investor property OR owner/occupant!
4/18/16 1:32 PM
770.652.0525 | 770.948.1238 bethayres@gmail.com Darren Finch | 770.314.6700 Kathey Deming | 770.715.5838 Text Any of the Property Codes to 85377 to View More Photos and Info P206968
P100245
P244057
LITHIA SPRINGS $14,900
TEMPLE $84,900
AUSTELL $124,900
AWESOME OPPORTUNITY in Lithia Springs to own potential commercial land - a little over 1 AC on Cedar Terrace Rd near Lee Rd intersection. MLS:7488295
ENJOY THE FREEDOM of owning your own hanger on a private 2,000 foot grass strip. The big hanger is 24x36 & the other hanger is 30x30. Convert the big hanger into living space & enjoy living on a private airfield located 35 miles W of Atlanta & 5 mi North of I-20 MLS:7398335
OWNER FINANCING AVAILABLE! Totally remodeled; ready to move-in. New paint, tile flrs, brand new c-tops; cabinets re-fin, new appls, new fixtures, new plumbing; new HVAC, new architechural shingles &new gutters, all new doors, painted shutters. Beautiful 4-sided brick home. MUST SEE! PRICE JUST REDUCED! MLS:7523999
P331348
P741220
DALLAS $219,900
BETTER THAN NEW - this beautiful 5 BR 3 BA home has it all! Spacious kit, cozy liv rm & elegant din rm to name a few. Lots of charm & even more style. Shows like a model - MUST SEE!!! MLS:7612888
P172333
DALLAS $124,900
LITHIA SPRINGS $449,900
WELL CARED FOR 3BR, 2BA, 1 story ranch w/ back deck & rocking chair front porch. Stone fp in fam rm, brkfst area in kit, trey ceil in master. MLS:5665769
ATLANTA BOTANICAL GARDENS would be jealous! Get your zen on by the rock waterfall. Playhouses. Breathtaking Gardens. 13.54 AC w/2 homes: main w/3BR, 1BA, master opens to sunrm; other w/3 levels, front porch, 1.5 BA & 4 BRs. MLS:5595991
P743616
P100383
“Meeting and AUSTELL $169,900
MOVE-IN READY! Spotless! LG fam rm w/fp! Frml din rm & brkfst area in kit. Kit also has a brkfst bar overlooking fam rm. Great fenced yard! Convenient to interstate, shopping & schools! MLS:5662166
P185601
HIRAM $164,900
SPACIOUS HOME w/4BR, 2.5BA, frml liv rm, frml din rm, fp in fam rm, hrdwd flrs, lots of cabinet space in kit, plus fin bsmt w/2BR, 1.5BA & inground pool! LG wrap around porch, a screen porch on the back. Fenced yard! MLS:5663757
00113.30.4.003.BethAyres.indd 1
Exceeding All Your Real Estate Needs!” Specializing in W. Cobb, Douglas, Paulding, and Carroll Counties
DOUGLASVILLE $129,900
LG HOME FOR A GREAT DEAL! 3BR, 3BA, sunrm, hot tub, in-ground pool, hrdwd flrs, all appl included, & more! Fin bsmt w/sep in-law ste/apt w/kit, liv rm, bdrm, ba, & washer/dryer. MLS:7601140
P821883
LITHIA SPRINGS $229,900
4-SIDED BRICK RANCH w/mother-in-law ste. LG fam rm has masonry fP. Laundry rm w/sink & counters. Frml liv rm w/frMl din rm. Mstr on main. Owner was builder. Partial fin bsmt has 2 bRs, kit, liv rm & full ba. Huge 2-story out building. 1.95 acres. Beautiful rolling yard. MLS:7521811
4/18/16 7:54 AM
SUE HILTON
678-631-1713 | Hilty1@aol.com Visit my website @ www.suehilton.com SIGNATURE PARTNERS (678) 631-1700 TEXT P504554 TO 85377
One of the Cobb Association of Realtors Top 10 Groups for 2008 - 2013
An Independent Member Broker TEXT P216645 TO 85377
TEXT P596967 to 85377 ES
2+
R AC
STUNNING 3 lvl, brick end unit w/hardwood flrs on main level, formal DR, kit open w/granite counters, SS appl, fam rm w/FP. Sunroom/home office. Deck w/under deck rain blocking sys. Luxurious master ste.
BEAUTIFUL HOME a short walk to Smyrna Market Village. Frml din rm, vaulted grt rm w/ stone fp open to spacious kit w/granite counters, eating area, brkfst bar, SS appl. Master ste on main w/trey ceil, huge walk-in closet, jetted garden tub, sep shwr, dbl vanity & tile flr. Laundry rm in hall & washer/dryer remain. 2 br on upper level & fin bonus rm could be used as 4th br/rec rm. 2 car garage & parking pad at street.
TEXT P623173 TO 85377
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AMAZING LOCATION! Ground lvl unit w/open flr plan. Kit has granite counters, stained cabinets & tons of counter space. Master w/FP & updated bath w/granite counters, tile shwr. Updated half bath off foyer w/granite counters. Relax & enjoy the covered patio overlooking green space. 1 assigned parking & plenty of guest parking.
TOTAL RENOVATION! 4BR/3.5BA in Lithia Springs! Hrdwd flrs main lvl, huge kit w/SS appl, new cabinets, 3 pantries, granite counters. GR w/flr to ceil rock FP. Master & 2nd BR on main. Terrace lvl as 4th BR that could be used as an inlaw ste. 3 car garage. Priv rear yard, patio area.
RANCH HOME on corner lot in gorgeous gated community. Fam rm w/FP, spacious kit w/white appl. Rear yard fenced w/patio. HOA maintains landscaping & mowing of front of homes. Great opportunity!
TEXT P242699 TO 85377
TEXT P117451 TO 85377
TEXT P160078 TO 85377
BEAUTIFUL HOME located near downtown Powder Springs. Vaulted grt rm w/fp. Kit w/ stained cabinets. 3BR & 2BA, fin bsmt, huge rear yard & out building.
COMPLETELY RENOVATED 4BR/3BA home w/2 FP. New roof, plumbing, electrical, septic tank & field lines, windows, HVAC, kit w/new SS appl & baths w/granite counters & designer finishes. New tile work & finishes are modern. All new lighting, hardware, hardwood flrs throughout main lvl. Fin bsmt.
00113.30.4.004.HiltonA.indd 1
BEAUTIFUL CAPE COD on 2+ acres. Hrdwd flrs on main & all new carpet on upper. Frml LR & fam rm w/FP in each. Kit updated. Master on main lvl. Bath w/garden tub & sep shwr. Upstairs feat 2BR w/jack & jill bath, 2ndBR has 2 rms. Garage has a fantastic apt w/full bath, heated & cooled. Rear yard fenced.
TEXT P571580 TO 85377
SPACIOUS RANCH w/fin terrace lvl in Harrison High district! Huge GR w/vaulted ceil, brick FP & hrdwd flrs. Kit has LG sitting eating area & SS appl. Priv master ste w/garden tub, sep shwr, dbl vanity & tile flr. Terrace lvl has a lrg rec rm, kitchenette, br & full bath.
4/16/16 12:52 AM
SUE HILTON
678-631-1713 | Hilty1@aol.com Visit my website @ www.suehilton.com One of the Cobb Association of Realtors Top 10 Groups for 2008 - 2013
An Independent Member Broker
SIGNATURE PARTNERS (678) 631-1700
TEXT P196413 TO 85377
TEXT P245021 TO 85377
AC RE S 4. 9
2. 2
AC RE S
TEXT P695943 TO 85377
EXCLUSIVE upscale Riverwalk neighborhood in Douglasville. Located in sought after Alexander High School district. This is a premium cul de sac 3/4 lot. Wooded, underground utilities & curbs & gutters installed. Build your dream home in this swim/tennis community.
2.2 ACRES in prime location on Dallas Highway in West Cobb! Potential commercial that is located approx 1 mile from the Avenues of West Cobb - BRING YOUR INVESTORS!
FANTASTIC OPPORTUNITY IN WEST COBB! 4.9 acres in the Hillgrove high district. Great place to build your dream home or great site for a church or small school. Property located between Midway & Bullard road off Lost Mountain Road.
TEXT P TO 85377
TEXT P597436 TO 85377
TEXT P566215 TO 85377
9.8 ACRES off Macland Rd in the Hillgrove High School District. Great parcel for priv estate or bring your investors/builders & build a new community. Currently zoned R-20.
GREAT BUILDING CORNER LOT! Great Cobb County Schools. Convenient location near Mars Hill Road & Highway 41 (Cobb pkwy). Come build your dream home!
BEAUTIFUL & rolling 5.95 AC in Douglasville w/old growth pecan trees, LG pasture & back 2 Acres are wooded. Great space for horses & to build your dream home.
Spring market is here! Considering selling? Contact us today to find out the CURRENT VALUE OF YOUR HOME. 00113.30.4.005.HiltonB.indd 1
4/16/16 12:52 AM
Thomas Crone realtor
404.384.5409
www.MorrisTate.com
678.631.1700
ThomasCrone@MorrisTate.com
Text MorrisTate to 85377 Text P252253 to 85377
Text P626346 to 85377
Text P554732 to 85377
Dalton
Dallas
Marietta
3BR/2.5BA Completely remodeled w/all new appliances, including refrig, washer & dryer. Move in ready & offers down payment assistance. $142,500
4BR 3BA RANCH on a partial finished basement, upgrades throughout, private cul de sac fenced in lot. $190,000
new paint in 2 BRs, new tile in BAs & kitchen. Hdwds throughout 3rd BR on upper level & throughout living area. Handicap accessible as front porch offers an elevator for wheel chair access in & out of house. Yard is professionally landscaped w/ irrigation system. Sep barn in backyard for storage + work bench & walk in closet for add’l storage next to laundry rm. New furnace & A/C Unit installed 2015.
4BR/3BA SPLIT LEVEL
Text P626347 to 85377
Text P253382 to 85377
Text P536327 to 85377
Dallas
Lithia Springs
Hiram
2.21 ACRE LOT Gorgeous lot in the already developed Evecliff Subdivision. North Paulding HS School District. Build your perfect home or bring your builder to this premium lot! $45,000
APPROXIMATELY 30 ACRES IN DOUGLAS COUNTY AT THE INTERSECTION OF US HWY 278 & US HWY 78
COMING SOON 5BR, 1.83 acres, cul de sac lot.
Text P486839 to 85377
Text P486839 to 85377
Dallas
Kennesaw
3 BED/2 BATH CAPE COD with a bonus room in the basement and a fenced yard. $120,000
00113.30.4.006.TCrone.indd 1
Close to shopping & dining
& only a short walk to DT, 1/2 mi to Kenn Mtn High, Hwy 41, & only 5 min to interstate & KSU. Llg fenced yard, storage building, screened porch, & cul de sac lot. Get tons done in the built-in office solution for 2 on main level. Upstairs-4 lg BR, 2BA & oversized laundry rm. Downstairs is built w/ crown mldg & upgraded trim pkg. Exceptional floor plan & backyard.
“Thomas is a very knowledgeable and honest agent. He defiantly represented us, his clients. He is also very responsive to emails, phone calls and text! He has made our home sale and home purchase a pleasurable experience.” - Megan Mabry Gray - Dallas/Acworth Thomas Crone and the Team at MorrisTate.com are committed to your real estate success. Whether buying, selling, or investing, contact us for professional assistance.
4/16/16 1:04 AM
c: 678.773.3599
www.JeffJusticeAndCo.com
Text T1051893 to 85377
#5647834
Text T1052121 to 85377
#5611546
Text T1052155 to 85377
#5648264
Text T1052264 to 85377
#5643696
$309,900 DOUGLASVILLE 6BD/4BA Immaculate Cul-de-sac Home. Backs to 10th hole on golf course! Well maintained w/HW flrs. Plantation shutters. Office off 2 story foyer. DR w/coffered ceil & judges paneling. LG Family Rm w/FP. Kit w/granite, ss appl & brkfst bar w/bay window & pantry. LG BR w/full BA. LG Master w/trey ceil, his closet, walk-in closet, sep vanities, garden tub & sep shwr. 2nd Master Up w/vaulted ceil & private BA. Full Unfin BSMT!
$419,900 VILLA RICA 5BD/4BA Amazing cape cod on 5.3 Acres w/40x60 bldg & fin bsmt! New paint, HW flrs & carpet! LG frt porch w/new fans. Kit w/corian counters, ss appl, bar, pantry & brkfst area. Kit open to 2 story LR w/rock FP. Mstr on main w/trey ceil, bay window & walk-in closet. Mstr BA w/dbl vanity, jet tub & tiled shwr. Up has 2 LG BRs w/full BA. Full bsmt w/LR, full kit, 2 BR, storage & 1C gar. Inground pool w/new liner, pump, diving board & light!
$154,900 DOUGLASVILLE 5BD/2.5BA Beautiful remodeled home! Rocking chair front porch o’looks cul-de-sac! New carpet, tile flrs & light fixtures! Foyer Half BA & frml DR just off foyer. LG fam rm w/rock FP. Kit w/granite counters, new range & venthood & pantry. LG brkfst area w/bay window. Master on main w/his & her closets. Mstr ba w/dbl vanities, sep shwr & jetted garden tub. 4 spacious BRs up w/hall BA. Deck & fenced yard.
$132,900 BOWDON 3BD/2BA Horse lovers dream on 6.18 AC! 40x40 barn w/3 stables, office w/power, front/back covered area & ceil above office reinforced for LG hay rolls. 2C det carport, sep barn w/2 stables & corral. LG LR w/FP & DR. LG kit w/island, pantry area & laundry rm. Master ste w/dbl vanity, garden tub, sep shwr & walk-in closet. Newer dishwasher/range/ heat pump/ceiling fans. Front/Back covered porches.
Text T1561824 to 85377
Text P328841 to 85377
Text T1052227 to 85377
Text P326668 to 85377
#5635435 $149,900 LITHIA SPRINGS 3BD/2BA Well Maintained Ranch Home on 3.25 Acres! LG front porch! LG LR w/rock FP & opens to DR. Kitchen w/brkfst bar, wall oven, cook top & brkfst area w/bay window. O’sized laundry rm. Sunrm off kitchen. LG BRs & tile flrs in BAs. LG BR in bsmt w/wood burning stove, 3 closets & 2 unfin storage rms. Newer hot water heater, furnace & roof. New AC unit, septic lines & new deck. Wooded/Private Backyard.
Text T1051959 to 85377
#5666767
#5652576 $89,900 LITHIA SPRINGS 4BD/2BA Beautiful split level home on LG Corner Lot! Huge LR w/ rock FP. Laminate HW Flrs throughout main. Spacious white kitchen w /brkfst area & access to deck. New carpet throughout the upstairs & bsmt. Great size BRs. Secondary BRs share hall BA w/tile flrs. Master BR w/his & her closets. LG 4th BR in bsmt w/access to garage & laundry closet. Deck o‘looks LG fenced backyard.
Text T1052344 to 85377
#5618614
#5593405
#5633129
$121,900 DOUGLASVILLE 3BD/2BA Updated home in Arbor Station w/amazing amenities! Vaulted LR w/rock FP & sep desk area. Newly tiled DR & kit. Granite counters, undermount SS sink & tile backsplash! Vaulted brkst area w/skylights. Outstanding master w/vaulted ceil & exposed beam, 3 closets, granite vanity & LG tiled shwr & flrs. LG BRs & hall BA w/granite counters. 2C garage allows for extra storage. LG tiled sunrm & scrnd porch.
$112,900 DOUGLASVILLE 5BD/2.5BA Historic Southern Home on almost 1 AC! LG amt of road frontage w/great business potential. Great location. Close to downtown shops & restaurants, I-20 & Arbor Place Mall. Newer roof, water heater, hvac, dbl paned windows. Spacious LR & frml DR off foyer. Kit w/brkfst area & pantry. Fenced yard w/40x60 outbldg w/metal roll up door.
Text P304201 to 85377
Text T1052289 to 85377
#5667817
#5598103
$209,900 DOUGLASVILLE 4BD/2.5BA Beautiful custom built home! LG open foyer w/HW flrs. Spacious LR w/marble FP & french doors leading to backyard. Frml DR w/trey ceil, bay window, chair railing & HW flrs. Great kit w/tons of cabs, island, desk area, pantry & brkfst area. Optional 5th BR/office. Mstr w/trey ceil, dbl vanity, LG garden tub & tile shwr. LG hall BA up w/dbl vanity & tile flrs. NIce backyard w/patio. O’sized 2C gar/kit lvl. Part fin bsmt.
$239,900 TEMPLE 3BD/2BA Incredible 54.36 private AC w/creek! Wooded w/HWs & pine trees. Dbl wide mobile home is move in ready! LG vaulted LR w/rock FP is very inviting. Kit w/2 pantry closets, butler’s pantry & dining area. Split BR plan w/ spacious secondary BRs. Mstr w/his & her closets, dbl vanity, garden tub & sep shwr. Great deck for grilling o’looking wooded backyard & 2 story outbldg for plenty of storage.
$89,900 DOUGLASVILLE 3BD/2BA Beautiful Ranch Home w/rocking chair front porch! Spacious fam rm w/brick FP. White kit w/brkfst area & laminate HW flrs. Kit w/open view to fam rm. Laundry rm/pantry right off kit. Mstr w/tile shwr & tile flrs. Secondary BRs share spacious hall BA w/tile flrs. Unfin daylight bsmt. Deck w/built-in seating o’looking fenced backyard.
$139,900 DOUGLASVILLE 3BD/2BA Well maintained home! LG rocking chair front porch! Updated HW flrs in foyer/hallway. Sunken LR w/rock FP. Open DR w/pergo flrs. Bright/Open sunrm leads to LG deck. O’sized kit w/brkfst area, bay window, island & pantry. LG mstr w/walk-in closet. Tile flrs & shwr in mstr ba. Sep sink & dressing area w/HW flrs. Spacious 2nd Brs share LG hall BA w/HW flrs & tile tub/shwr. Fin bsmt w/2 bonus Rms.
Text T1052011 to 85377
Text P329059 to 85377
Text P310399 to 85377
Call Kelly Anderson - 770-653-8634
#5590266 $249,900 DOUGLASVILLE 3BD/2BA Beautiful gated 11.8 AC w/pond! 2 lots being sold together. Open flr plan! Ranch w/tons of windowsfor pool views, 2 fenced/cross-fenced pastures, barn & open shed! LG sunken LR w/gorgeous masonry o’sized fp & wooden beams in ceil! Open view to kit & DR from LR. Mstr BA & hall BA have dbl vanities & tiled shwrs. 2C carport. Open patio area at pool has hand-hewn columns.
00113.30.4.007.JeffJustice.indd 1
#5668125 $104,900 DALLAS 4BD/2BA Updated home on 2 AC! New appls, new carpet & new paint! Low maintenance vinyl siding. Sep LR w/view to kit. Spacious den w/rock fp. Open kit w/brkfst bar, din area & walkin pantry. Mstr ste w/huge walk-in closet w/island & add’l drawer space. Mstr ba w/dbl vanity, garden tub & sep shwr. Split BR plan. Priv backyard w/path leading to the silver comet trail. 2 outbldgs for extra storage.
#5652401 $199,900 DOUGLASVILLE 3BD/2BA Move in ready! 4 sided brick step less ranch. New flring, fresh paint, new c-tops & new appl. A must see! Bright open entrance foyer. LG liv rm w/fp & built-in book cases. Open eat-in kit w/stainless appl, island, pantry & view to grt rm. Frml din rm. Mstr on main w/ trey ceil. Mstr ba w/dbl vanity, jetted tub & sep shwr. Fenced backyard w/beautiful landscaping.
#5669502 $389,000 WINSTON 4BD/4.5BA 6.02 AC Priv Estate in ALEXANDER SCHOOL DISTRICT! Custom brick home on full fin bsmt. Gourmet kit w/stainless top island, granite & tile. LG fam rm w/Buckstove & access to LG deck. Mstr on main w/ensuite, HWs, California Closet, dbl vanity, walk-in dbl rain shwr & bidet. LG BRs. Suede/ leather wall coverings from Ralph Lauren’s personal homes. NEW roof, 2 water heaters, AC, lighting & more!
4/16/16 12:54 AM
Featured PrOPERTY North Atlanta Northwest Atlanta Southeast Atlanta PUBLISHER Ken Malone ACCOUNT EXECUTIVE April Goodson CEO Robert Hardy SR VP THE REAL ESTATE BOOK Adam Brown TO ADVERTISE CONTACT April Goodson 770.682.6737 AGoodson@RealEstateBook.com
Northwest Atlanta HOME & LIFESTYLE GUIDE Volume 30, Issue 4
5
KITCHENS
THAT FAMILIES LOVE
DESIGN TRICKS
TO REVAMP YOUR HOME
Lake Arrowhead Mountain Living Amazing Lake Arrowhead Mountain home on 3 private lots in quiet cul-de-sac with seasonal lake views. Double Master Suites - one on main, one on upper floor. All wood interior. New hardy plank siding, New 8ft Rocking chair front porch, Hardwood floors, Wood stove insert. Enjoy all the fun of Lake Arrowhead boating, golf, pools, tennis. Large garage holds 2 cars plus a boat!! Come make it your private escape!! $269,900
Want to see more? Text P888854 to 85377 LAKE ARROWHEAD MOUNTAIN HOME WITH SEASONAL LAKE VIEWS!
COVER HOME DETAILS ON PAGE 8 & 9.
FEATURED REALTOR® CLAY DALTON 770.815.5451 RE/MAX AROUND ATLANTA WWW.LAKEARROWHEADSALES.COM
REALESTATEBOOK.COM - REQUEST FREE MAGAZINES ONLINE, OR CALL 800-841-3401 00113.30.4.001.Cover.indd 1
4/18/16 7:52 AM
Volume 30, Issue 4
Another quality publication from:
Around Atlanta
CLAY DALTON
770-815-5451 RE/MAX AROUND ATLANTA
WWW.LAKEARROWHEADSALES.COM
2305 Newpoint Parkway Lawrenceville, GA 30043 855.777.7949
All real estate advertised herein is subject to the Federal Fair Housing Act, which makes it illegal to advertise “any preference, limitation, or discrimination because of race, color, religion, sex, handicap, familial status, or national origin or intention to make any such preference, limitation or discrimination.” We will not knowingly accept any advertising for real estate which is in violation of dwellings advertised are available on an equal opportunity basis.
00113.30.4.008.Masthead.indd 1
4/18/16 7:53 AM
$249,000
$550,000
$34,900
$49,900
$695,000
SO LD
IN
3D AY S
Call Clay Dalton to Sell NOW! 770-815-5451 P888850
P888852
UNDER CONTRACT I Can Sell Your Home!
3BR, 2BA ABSOLUTELY SPOTLESS CRAFTSMAN STYLE stone and concrete siding ranch over basement home w/3 car GARAGE will excite your senses! MLS:5639282
5BR, 4BA UNMATCHED QUALITY AND VALUE IN THIS LARGE LAKEFRONT HOME with a long private driveway, tucked away in a quiet cove ON THE BIG LAKE IN LAKE ARROWHEAD! MLS:5642296
$199,900
P888855
$239,900
$425,000
Around Atlanta 3375 Dallas Highway, Marietta, GA 30064
678.819.9260 office 770.815.5451 cell claydalton01@comcast.net
P942038
UNDER CONTRACT I Can Sell Your Home!
3BR, 2BA POTENTIAL COMMERCIAL 4 SIDED BRICK RANCH ON 4+- acres between Canton and Cartersville along BUSY HWY 20. MLS:5576625
P888858
RARE DOUBLE LOTS SIDE BY SIDE WITH MOUNTAIN VIEWS FROM BACK OF PROPERTY with a BABBLING CREEK ON THE BACKSIDE. MLS:5621498
$418,000
P888856
1BR, 1BA REDUCED FOR QUICK WINTER SALE! Here’s the little cabin within walking distance to the lake that you have been wanting! MLS:5584112
P888853
VILLA RICA HERE’S YOUR 6 ACRES CLOSE TO I-20 and ready for horses, cows, a little hunting, and a spot for 2 homes! MLS:5639114
WONDERFUL CUL-DE-SAC HOME has level driveway & private backyard! Quiet street, neighborhood w/ 2 pools, tennis courts & this home is well maintained! MLS:5657582
RESIDENTIAL DEVELOPMENT OPPORTUNITY! PRE-APPROVED FOR 41 TOWNHOME UNITS! Roads & Office in place, utility infrastructure in place. MLS:5607721
$269,900
P915822
TREMENDOUS VALUE IN 3BR/2BA RANCH on bsmt plan! Plus 4th down w/ bath. 1 step from garage to kitchen! Mountain views from rear of home complete w/dock w/boat lift! MLS:5660852
LAKE ARROWHEAD MOUNTAIN HOME W/ All Wood interior 3BR, 2.5BA plus 2 car Lrg Garage w/ addl boat storage area built on 3 lots w/seasonal lake views.
www.ClayDalton.com www.LakeArrowheadSales.com www.AroundAtlantaCommercial.com
... and Tennesee! $249,900
510 Ski Mountain Road, Gatlinburg, TN 37738
865.436.2849 office 770.815.5451 cell claydalton01@comcast.net
P888857
3BR, 3BA INCOME PRODUCING LOG CABIN CLOSE TO DOLLYWOOD,
Great Smoky Mountains, national park & tourist attractions. Brought in 34K in rental income & rented 249 days in 2014. Use it yourself when it’s not rented! Game rm, double decks o‘looking mountains, parking for 5-6 vehicles & easy drive to property.
$89,000
P888859 1BR, 1BA RECENTLY RENOVATED MAIN FLOOR UNIT Views next door complex pool and is one floor away from complex pool, which can be seen from front door! MLS:193142
www.GreatSmokyRealEstate.com 20 Years experience helping people achieve Real Estate success! All information believed correct but not warranted. Prices, availability subject to change. Each office independently owned. Equal Housing Opportunity.
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CLUTTER CLEARING 101: MAXIMIZE GARAGE SPACE IN 3 STEPS The U.S. Department of Energy cites that 25 percent of homeowners with two-car garages have too much clutter to store vehicles, and 32 percent only have room for one vehicle. “It’s ironic that many of us would rather store our boxes of unwanted stuff in our garage, leaving our valuable cars outside to deal with the elements,” says Lorie Marrero, professional organizer and author of The Clutter Diet. “Let’s rethink our storage priorities and turn our garage into a space that’s more organized and functional.”
Since floor space is at a premium, take things off the floor and onto the wall. One option is heavy duty wire shelving, which can withstand the weight of some of your heaviest belongings and can adapt to changing storage needs. This shelving will allow air to ventilate and is not affected by the humidity or sudden fluctuations in temperature. Limit the dirt tracked inside the house with an area rug or repurposed carpet. For many, the garage serves as the main entry point into the home, so be prudent and keep the entryway as clean as possible. 2. STORE HAZARDOUS MATERIALS
Maximizing garage space doesn’t have to be a chore. Here are three simple steps to make the most of the storage space in your garage.
Things like poisonous pesticides and antifreeze or dangerous tools like hedge trimmers and power tools should be hidden safely out of reach from children and pets. Find a home for these items with heavy-duty cabinets.
1. CLEAR THE FLOOR
3. ORGANIZE SMALLER ITEMS
“Wire shelving is the perfect choice for ‘DIYers’ in need of a garage makeover,” says Marrero. “It is flexible and can be customized to fit in all types of spaces, suits any climate and is easy to keep clean.”
Can’t find your wrench or screw driver? Use a peg board to keep your favorite hand tools neatly stored and easily accessible. Hooks are another great way to keep track of your belongings. Use them freely for stowing hoses, extension cords, bicycles and step ladders. Source: ClosetMaid; RISMedia
5
The kitchen
is the hub of the home. It’s where we gather to swap stories over a stove-top meal or gab near the gravy. What goes into a good kitchen, though? Which features, layouts, and touches make a kitchen more than just a room to cook in, but a place that is identifiable with our family as the gathering place? Here are some ways to make your kitchen loved by its family.
KITCHENS THAT FAMILIES LOVE
Source: HGTV.com; Pinterest.com
1
The Island
A
kitchen island truly is a remarkable feature in any family kitchen. It offers extra counter space for larger meals, and it also has potential to expand the storage space of a kitchen. The island serves as a space to serve from. If the design allows, barstools can be added for a few extra seats. The island is an especially handy add-on for smaller kitchens where the cabinetry is lacking and can be customized to fit your storage needs.
4 5
2
French Doors to the Outdoors
A kitchen that can open up and expand to the outdoors in an excellent feature for any family, especially one that entertains. A set of French doors or a sliding door offer easy access to other family cooking favorites: the grill and the smoker. You can even add a patio table for extra seating. Keeping the food in the kitchen or on the deck offers easier clean-up. It also provides a safer place for spills by the little ones during large gatherings, rather than scrubbing juice from the living room carpet.
3
Furniture as a Built-in
When the kitchen table is included in the kitchen, it makes dining and serving a cinch. Imagine what once was a breakfast bar is expanded into a countertop. This is usually part of a center island that can seat up to six people. This feature is great for a busy family, streamlining serving and clean-up into a single room. We also see this concept in the breakfast nook, with built-in seating and an opportunity for decorative flair with cushions and pillows.
The Hide-Away Concept Fewer visual surrounding can sometimes help our thinking. This is where the hide-away concept comes in. Everything from mixers and coffee stations to microwaves and toaster ovens can be hidden away in their own little cubbies. Once the appliance is used, the custom-made door can shut to hide it away again, never again to clutter up our countertops or our thought processes. This concept can also be used to store cleaning supplies and expand the pantry. Often times, custom built-ins on castor wheels can make a world of difference for storage expansion. They can be camouflaged in, used when needed, and hidden away again!
Kitchen Zones With everything in its own specific area, organization happens naturally. Think dishwashing station, eating station, cooking station, etc. The kitchen has everything tailored to be in the exact spot where it is needed, and easily accessed. For example, everyday dishes are kept directly above the dishwasher, next to the sink, and within reach of drying towels to make up the dishwashing zone.
Keeping the kitchen clean and functional, yet still inviting, can be a challenge. With these tips for customization, your perfect family kitchen is just steps away!
MORTGAGE MYTHS DEBUNKED Buying your first home is one of the most intimidating and overwhelming purchases that we make in our adult lives. The idea of a mortgage can be daunting, and you may question your creditworthiness, your financial obligations as a mortgage holder, and what it means to have a home as an investment. Often times, consumers are misled by their own misconceptions and have yet to learn the facts about mortgages. To here you along the way, here are some common mortgage myths and the truth behind them. A HIGH CREDIT SCORE ISN’T A MUST
YOU DON’T NEED A 20% DOWN PAYMENT
Many home hunters think that a high or near perfect credit score is a necessity in order to qualify for a mortgage in the first place. Thankfully, this is false. Some first-time homeowners haven’t adequately built up their credit, so there are fortunately loans out there, such as a FHA loan, that have a minimum FICO score requirement of 580. If your credit score is lower than this, consider taking a few years to better build your score. A higher score can mean more flexibility in home buying.
The 20 percent marker as a goal for down payment is nothing less than intimidating. These days, there are many loans that do not require 20% down. The previously mentioned FHA loan can require as little as 3.5% down. The downside to this is the required PMI (private mortgage insurance) that is tacked on top of the mortgage payment as a protection for the lender. One unconventional route is taking out a loan for your down payment on top of the mortgage loan, but this much borrowing can get out of hand quickly. Keep in mind that the lower the down payment, the higher the monthly mortgage payment.
A HOME INVESTMENT IS A NOT-SO-SURE THING Some people believe that buying a house as an investment opportunity is a sure thing for return on investment. This simply is not the truth. Although a house can hold its value, it’s important not to go into home buying with only returns in mind. The housing market is a fickle creature, and even when things are good, values rise slowly. Remember that it takes a while to build equity, particularly if your down payment is small. The first few payments in the life of a loan go towards interest, not the equity nest egg. Even if you are approved for a large mortgage loan, remember to keep the location of the home, as well as how well the home works for you, at the forefront of your mind, rather than being investment minded. Source: fha.com, money.usnews.com, housingwire.com
PRE-QUALIFIED IS NOT PRE-APPROVED Before you begin your home perusal, start with a stop at the bank. Find out what you are pre-qualified for and let this number help navigate your hunting. Don’t be fooled, though. Pre-qualifying doesn’t guarantee that you will be approved for that amount in the final purchasing hour. Once a home is decided upon, a lender will use things beyond your stated income to determine your approved amount. This includes things such as past tax returns and credit score. Further still, credit checks or major purchases up until your closing date can take a toll on what your mortgage lender will give out.
5
DESIGN TRICKS TO REVAMP YOUR HOME
Contrary to popular belief, you don’t need to spend a fortune or go to design school to revamp your home. “It’s all about simplicity,” says Susan Yoder, interior design expert for builder Clayton Homes. “A little goes a long way when it comes to home décor and living spaces. Only a few simple changes can make a big difference and allow you to create a room you’ll be itching to show off to friends and family.” To breathe new life into your space, Yoder recommends these tips.
1.
POPS OF COLOR.
“Nothing livens up a room like a bright pop of color,” Yoder says. If you have neutraltoned furniture, add lamps, curtains and accessories in bold hues. If you’re up for a painting challenge, an accent wall is a great way to incorporate color into a space. Choose your favorite color from a throw pillow or wall art piece in the room to pull the look together.
2.
VARYING TEXTURES.
A room tends to get boring when it focuses on only one texture, so it’s important to create a sense of balance. Try varying the fabric types on your sofa and curtains. Add in some metal or wooden accents to draw the eye around the room. You can even play with lighting to reflect off certain objects and create visual interest.
3.
ANTIQUE FEATURE.
Choose an antique or unique piece of décor to be the inspiration for the room. This could be a rug, lamp, chair or even a chandelier – anything that gets you energized and motivated. Get creative and run with the theme it creates. Or if your style is more modern, an antique object will stand out among your contemporary décor.
4.
SYMMETRICAL YET FUNCTIONAL.
The furniture collection in a room should form a restful, symmetrical layout. It’s all about balance. There should be between three and 10 feet between each seat. Additionally, instead of pushing each piece up against the wall to create more space, give your furniture a bit of breathing room a few inches from the wall. This makes the room appear open and airy.
5.
CLUTTER-FREE ORGANIZATION.
Getting rid of clutter is a grand challenge for most homeowners. When you decide to take on the mess, drawers and cabinets are your best friends. Take some time to go through your belongings and decide what to keep, donate or throw away. Store any leftover items that can cause clutter in an organized, out-of-sight area.
THINGS TO KNOW BEFORE BUYING A HISTORIC HOME The charm of history beckons you from that historic home of your dreams. Intricate trimmings, charming architectural detail, and a story behind a historic home make it an alluring package deal for buyers. Before you buy, however, take a second to think it over. Are there perks to purchasing these prized homes? What about any downsides? Here are some things to consider before buying a historic home.
offer lower interest rates for historic home buyers. Beyond the potential tax perks, check if the home’s neighborhood has tax downsides, such as higher property taxes. Additionally, lack of energy efficiency could affect monthly costs. Be sure to research past energy bills to get an idea of how much it will cost to heat and cool the home before you buy, as well as any safety updates or repairs that need to be completed before move-in.
STRUCTURAL CHECK
DEFINE THE HOME
Firstly, double check to truly identify whether or not the home is “historic”. You can officially check the historic status of the home with the National Register for Historic Places (NRHP), or a local historic board in your city. The Georgia Department of Natural Resources website explains that properties listed on the NRHP site “include buildings, sites, structures, objects, and districts that are significant in American history, architecture, archaeology, engineering, and culture.” Anything from a time period’s unique architectural style, to a famous person once living in the home could land a house on the NRHP list.
FINANCIAL UPS AND DOWNS
There are several county and state governments that offer tax incentives for purchasing one of these homes. The government wants to see these homes preserved. What better way to preserve history than to have a loving home owner that will live there and perform any necessary upkeep? Not all tax incentives are readily available to all historic home purchasers, though. There may be certain qualifications that must be met first. Also, some loans will
Structural codes and health safety have gone through much change in the last decade, let alone in the last century. A thorough home inspection is a necessity before purchasing one of these beauties. We recommend a home inspector who specializes in historic houses. Many issues including asbestos, lead paint, or mold from poor air circulation could be lurking beyond the home’s lovely looks. Beyond structural problems, there are many restrictions on home improvements. The main hope is to preserve the historic integrity of the house in its original form. This means no second stories, no added square footage, and no replacing the windows with energy efficient ones. If, for any reason, there are significant structural issues in the home, don’t be afraid to walk away. Issues in this type of property could end up costing you more than conventional remodels and repairs in a newer home.
You may be just around the corner from purchasing your own historic home. When you’re ready, be sure to keep this guide close by. Draw from the wisdom of experienced realtors and homeowners to help make an informed decision. Happy historic home hunting!
sources: realtor.com, homevisor.com, georgiashpo.org
HOME SELLING MISTAKES TO AVOID Do you ever find yourself completely overwhelmed by real estate advice from every direction on how to stage, market, negotiate, and ultimately sell your home? With all the information we see on a daily basis, it’s easy to overlook the most important details.
Avoid these traps to get the best offer with the highest value, and take the stress out of selling your home.
1. ONLINE-ONLY MARKETING.
Don’t drown in the world wide sea of online data! With the overload of information that is force fed to us every day, it’s important that everyone sees your home everywhere. Advertising your home in print makes you stand out locally. Magazines like The Real Estate Book even use QR and text codes that instantly connect home shoppers to home listings on their mobile phones.
2. POOR PRICING.
No matter what they’re buying, it is not a surprise that consumers want the most bang for their buck. Home buyers tend to stay away from overly high prices and are drawn to the homes that are priced competitively. However, if the price is too low, buyers will wonder if there is something wrong with the property. Make sure you research your competition and consult with your real estate agent before deciding on a price.
3. HOVERING.
Although you may want to stick around during a showing, it may not be the best idea. There is definitely an emotional aspect when selling your home, so hovering while a potential buyer is touring your home may make it difficult for them to envision the home as theirs, and may feel uncomfortable or that they’re intruding on your space. Take a breather and go run some errands while your real estate agent does the work.
4. CLUTTER INSIDE & OUT.
First impressions are everything, and the first thing that buyers will see is your home’s exterior. Have a well-kept yard, clean driveway and overall curb appeal, which will increase the likelihood that buyers will want to see more. Now for the interior – Make sure your home is absolutely free of all clutter. It should be clean and sparkling! Help buyers imagine their own things in your home by stashing personal items, including photos and mementos.
5. LACK OF APPEALING PHOTOS.
Before a buyer even thinks about contacting a real estate agent or coming to see a house to buy, they “pre-shop” online. Be sure to provide photographs that frame your house and its amenities to sell. Capture full rooms that are well lit and don’t even think about including pictures of cluttered messy spaces! Home buyers want to see what your home has to offer, and be able to visualize themselves living there.
As you go through the home selling process, avoid these traps to get the best offer quickly. Remember that your real estate agent is more than happy to answer any of your questions and provide the most valuable help possible. Be sure to always take advantage of all your resources.
Good luck and happy selling!
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GORGEOUS HOME on 8th fairway of Atlanta Country Club. Custom 5BR/5.5BA Brick Home w/Master & Guest BR on main. Chef’s Kitchen w/granite counters & upscale appliances. LG finTerrace lvl w/5th BR, 5th BA & rec rm/ office/playrm. Golf Course views. Heated gunite pool. East Cobb Schools. MLS:7257576
LOVELY HOME in pristine condition. Freshly painted exterior & interior. 2 story Foyer w/hdwd flrs, Formal LR & DR. Fireside 2 story Family w/wall of bookshelves open to bright/sunny/white Kitchen w/hdwd flrs. All 3BR’s on 2nd lvl. Master Ste w/sitting area & walk in closet. MLS:7591200
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$225,000 UNDER CONTRACT
2 HOUSES ON 6+ ACRES! Main 2 story colonial w/fin bsmt. Eat-in kitchen w/granite counters. Spacious master BR Ste w/spa bath. Guest house feat 2BR, 1BA and so much more! Possible short sale! MLS:7130678
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HARRISON HIGH! LG 2 story w/Master & Guest BR on Main, enclosed Sunrm/Sunporch. Guest BA on main w/ wheelchair access to shower, vaulted Fireside GR, Sitting Rm off of Master, Plantation Shutters, 3 BRs & 1BA w/ dbl vanities on 2nd lvl, 3C Garage & Fenced Backyard. MLS:7439226
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GORGEOUS BRICK 2 story in Brookstone Country Club. 5BR & 5BA, 3 Car Garage, Fenced yard, Level Lot, Back Deck w/covered Porch & an awesome fin bsmt w/Media Rm, 2 Wet Bars, 2 Wine Coolers, Mahogany Paneled Office/Den, Full BA & more! MLS:7485255
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CUSTOM BUILT European Style w/2 story on over an acre in East Cobb. Renovated Chef’s kitchen w/ breakfast rm, Owner’s Ste on main. Terrace level is finished w/ recreation rm, BR & full BA. LG sun deck. Fabulous landscaped yard. East Cobb schools. MLS:7277001
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ABSOLUTELY GORGEOUS Home nestled on 18th Fairway in Brookstone. 5 BR, 4.5 BA, Hdwd flrs, upgraded trim package, Chefs kitchen, fireside family rm w/built-in book shelves. Owner’s Ste w/fireside sitting rm, luxury BA & covered priv balcony, scrnd porch & LG Sun Deck o’looks Golf Course. MLS:7420876
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CUSTOM BUILT Ranch Style, Soft Contemporary in Atlanta Country Club. Master on main. 4 BRs on finished terrace level. Golf Course Lot. Enclosed in-ground pool. Master BR w/FP & enclosed porch o’looking golf course. Excellent East Cobb Schools. MLS:7357150
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$500,000
$200,000 SOLD BRIGHT & SUNNY floor plan w/newer Thermal Pane windows, A/C, Water Heater & Insulated Garage Doors. Exterior & Interior recently painted. Laminate HWs in GR, DR & Upstairs hallway. Rec Rm & Laundry Rm in Lower level, LG Deck. MLS:7569132
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BEAUTIFUL 4 BEDROOM, 2.5 BATH HOME in the Eagles Bluff subdivision. Features 4 spacious rooms & Main floor Master bedroom which includes double sink vanity, separate shower. In addition, it has a 2 story great room w/ fireplace. Kitchen w/ breakfast area, & much more. MLS:7610982
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INCREDIBLE HOME, INCREDIBLE PRICE, INCREDIBLE VALUE!!!! Folks it’s simple, it just doesn’t get better than this. When you walk in the front door you will say, ‘I have found my new home!’ Don’t take my word for it, come see for yourself!! MLS:7592428
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Now taking presales for new construction in the Haven at Slater Mill.
3282 Thornecreek Dr Douglasville, GA, 30135
$269,900 - DOUGLASVILLE Stunning 1 level living w/4 BR & 3.5 BA. Formal LR & DR + family rm w/FP. HWs on Main. Chef’s kitchen w/custom cabinets. Huge screened porch & deck w/hot tub. Fin terrace for teen/inlaw ste +rm to expand. Many upgrades in this custom built home in popular swim/ tennis neighborhood. Call Shannon 404- 406-2881
LAND FOR SALE IN DOUGLAS COUNTY 5.41 Acres - $49,000 9.46 Acres - $56,400 12.24 Acres - $97,308
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LARGE WELL CARED FOR HOME in Chapel Valley S/D. Master on main flr plan w/5BR, 3.5BA. Hrdwds flrs, plantation shutters. Fin bsmt. w/rec rm, FP, office & bath. Fenced back. Fresh paint in & out. Front circle driveway. Chapel Hill High. Call Shannon 404-406-2881
Text P889052 to 85377
8176 Camp St Douglasville, GA, 30134
$49,900 INVESTOR SPECIAL!! DOUGLASVILLE 3 BR & 1 BA Ranch. Kitchen & BA are functional. Roof is approx 6 years old. Good rental property. Sold “AS IS”. Call David 770-653-4403
We love to Assist Veterans who are looking to purchase a home. Veterans qualify up to 100% financing down to a 530 credit score **Restrictions do apply
6653 Church Street • Douglasville, Ga 30134 License #63767 • NMLS #836813 • License #, 26465, NMLS # 122861
“Georgia Residential Mortgage Licensee” 00113.30.4.018.Bentley.indd 1
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How Are You Beginning Your Home Search? Today many buyers, especially first time buyers begin their home search on the Internet rather than consulting a Realtor or a mortgage banker. Here they click on a paid link and get an inferior lender that may not meet their needs. Usually a good Realtor has a number of high quality, proven and tested lenders to recommend. A real estate professional will know what different lenders specialize in and guide a buyer to the correct lender. A buyer may have to go VA or FHA, or might be a conventional borrower. One lender may disapprove everyone with below a 660 score or go down to 580. Most lenders can consider alternative verifications, (power bills, phone bills, private loans) where there is not a credit history reported, but not all lenders will. Some buyers, more so first time buyers need a patient, in person, hand holding lender. More experienced buyers with high credit scores, longevity on the job and no issues are a better fit for the Internet lender with the 800 number. This is usually not the first time buyer. The bottom line in the mortgage business is that money is a fungible commodity. It costs every lender about the same to acquire that commodity. The difference the lender charges the customer is made up of two components, one the level of customer service they provide. Every lender provide some, some provide a great deal, others provide little to none. The other factor is the level of difficulty in preparing a loan for a particular buyer. A self-employed person will require significantly more effort than a salaried employee with job longevity. The lender that offers the lowest rate may not be the best lender for you. Pricing differences may be under ¼ percent. Getting the loan done and on time, without undue hassle and headache may be well worth the additional payment. When I make a recommendation it is to someone who if the loan is possible to do, it will get done and at the start of the process if it’s not possible my lender will tell me so and why which may allow me to recommend a different lender who could make the loan. There are a lot of people who get into the mortgage loan business and give the response Ya, Ya, Ya, No problem. You really
don’t want to be a week prior to closing and find your lender saying we’ve got a problem. There are many types of loans. 30 yr fixed, 10, 15, 20 year fixed. Fully adjustable tied to Treasury bill rate or the Libor rate. Intermediate term fixed for 3, 5, 7, 10 year terms then adjustable loans. There are loans with no PMI. Piggy back loans the 80% first 15% second. Renovation loans. Down payment assistant programs. Construction-permanent loans for new construction. Special programs for first responders, educators, public safety employees. Many factors go into which program is really the best fit for an individual. It does not have to be a one size fits all. Usually it is an ignorance of the options and how they could benefit you that have borrowers defaulting to a 30 year fixed rate loan. Credit challenged, self-employed, renovation loans, down payment assisted loans require more skills than a standard loan. Finding the right lender is important to a successful transaction. Occasionally a buyer will come to me with a lender recommended by a friend, relative, boss or colleague. Admittedly I do not know every great lender. This has been a mixed bag, sometimes it works out great sometimes it’s a disaster. I usually have them get a 2nd opinion from one of
my lenders. I explain while it is important to them that they get a loan, with the agent on the other side of the transaction it’s my reputation. Their not closing affects every other buyer I represent that comes after them. I am not willing to risk that reputation on a friend, relative, boss or colleague of theirs. Lastly, a borrower should feel comfortable with the person handling their loan. If they feel the person isn’t listening, doesn’t care, is too busy or not interested in making them the loan. Move on and move one early. Better to get divorced after 1 year on unhappiness than 10. The Consumer Financial Protection Bureau http://www.consumerfinance.gov/ the-bureau/ established significantly different rules for lenders and attorneys in the application and closing of real estate transactions TRID the TILA/RESPA Integrated Disclosure http://www.realtor.org/ topics/trid-tila-respa-integrated-disclosure or Know Before You Owe rules. The government felt too few potential borrowers shopped for financing. These rule require a lender to provide info about the cost of the loan within a 3 day period from application in writing. This allows borrower to shop prior to proceeding down the path of a fully documented loan. It also provides that the closing documents must be provided at least 3 days prior to closing. It is a good idea to consider more than one lender and shop. TRID was intended to help facilitate that shopping requiring lenders to make a rate commitment early in the process.
Bruce Ailion, The Ailion Team
REALTOR Attorney 404-978-2281 Ext 2 Office 688-520-9292 Cell Town & Country 866-472-1049 Bruce@LocationLocationLocation.com
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35 OAKBROOK LANE - MLS# 5670399 Complete w/brand new stainless appl, washer & dryer included. Solid surface c-tops. New Paint inside & out! Extra LG backyard w/view to the n’hood lake! $239,000 Text P955727 to 85377
5316 YOSHINO TERRACE - MLS# 5664560 Wood floors throughout house, Including steps. Full bsmt w/wet bar & media rm, man cave / woman retreat, your choice! Bright & sunny kit w/view to the fenced backyard. LG formal dining rm that could set 12+. $206,632 Text P941081 to 85377
4082 ROTTERDAM PASS - MLS# 5666689 Walk out your backdoor & enjoy golf every day! 4-sided brick home. Side entry garage, vaulted ceil w/ iron rod spindles looking over into fam rm w/fp. Open kit w/ island. No small size BRs. Master is huge! Formal din rm & liv rm w/trey ceil. $305,621 Text P941084 to 85377
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COMING SOON! YOUR LOT IN LIFE HAS JUST BEEN UPGRADED. This LG house w/the most beautiful bay windows you’ve ever seen, from bsmt to roof! LG flr plan. W/BR on main lvl & LG rms upstairs. You’ll love the LG kit w/ view to the fam rm. Wood flrs, tiled baths, & huge laundry rm! Wait until you see the master w/sitting rm & FP. Going, Going, you buy & it’s gone! Text P941097 to 85377
COMING SOON! Now that you have looked at the rest, come see the best. Unique flr plan that will set twinkles in your eye. Granite counters, tiled & wood flrs. Be the first to see or you’ll miss your next house. Text P955737 to 85377
COMING SOON! Beautiful, Traditional Home W/6BR, 4.5BA & An Open Flr Plan-formal Din & Fam Rm W/FP - LG Master W/fp - LG Deck In Back. Text P955735 to 85377
...with over 400 years of combined experience with Real Estate Law...
Relax. We’ve got this.
At Silverton, we consider all the financial factors affecting your mortgage. We don’t just throw one quote at you; we help you strike the right balance between product and pricing. Silverton doesn’t believe one size fits all like the other guys. So you can finance your mortgage knowing that we’ve got this!
Susan Pryor & Shandy King susanpryor@silvertonmortgage.com | shandyking@silvertonmortgage.com
www.silvertonmortgage.com
678-712-2063
3855 Shallowford Road - Suite 120 - Marietta, GA - 30062 Pryor | MLO NMLS 157369 GRMA 28766 | King | MLO NMLS 220240 GRMA 25913
Silverton Silvert on Mortgage gage Speciali Specialists, ts, Inc. NMLS 109600; GRMA 114123 an Equal qual Housing Opportunity Lender ender | 855-815-0291
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