SWGA Homes 092015

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2 THE ALBANY HERALD • SWGA HOMES • Sunday, September 20, 2015 • www.albanyherald.com

Important backyard safety steps for all seasons (BPT) - From building snowmen with the kids in winter to playing fetch with Fido in the spring, your backyard is the backdrop for fun activity all year long. That means safety should be top of mind during all seasons. Just as you take steps to protect your children inside your house, you must be cautious of the dangers outside as well. The first step to keeping your backyard safe is to assess your fence. Fences help protect children from danger, keeping toddlers out of swimming pools, hot tubs and ponds or keeping them in the yard, away from busy traffic or strangers. Fences can also help keep your own pets in your yard, and other animals out. They can reduce your liability by preventing injuries to uninvited guests on your property, or injury caused by escaped pets. "A good weekend winterizing project is making sure your fences and gates are functioning properly and are protected from rust, a destructive force that can render gate hardware useless or dangerous," says Jim Paterson, senior vice president of D&D Technologies, which manufactures gate latches and hinges made of ultra-strong engineering polymers. "In our research, we found that when homeowners consider their fencing needs, rusty metal gate hardware that no longer functions properly or becomes a threat to children was their top concern. Rust-free and

adjustable gate hardware is the simple solution." Seasonal weather, ground settling and other factors can cause a gate to become misaligned over time and not function properly. It's important to have gate hardware that can be easily adjusted to overcome this. TruClose self-closing, tension adjustable hinges are an ideal solution. Some

models are vertically and horizontally adjustable as well. Combined with D&D adjustable, locking gate latches will ensure your gate will always function properly. In addition to checking your fence and gate hardware, consider these backyard safety steps for your home: * Tighten and cover any protruding bolts on swing sets and do not

HOW MUCH HOUSE CAN YOU AFFORD?

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To T o Advertise in SWGA Home contact Debi Griffin at 888-7653 or debi.griffin@albanyherald.com debi.griffin@albanyherald.com 277114-1 2771 14-1

accessible. Your backyard can be one of the most exciting places for your children through the entire year. A little prevention along the way will keep it safe and provide wonderful memories for your family. To learn more, visit www.ddtechglobal.com or to purchase online, visit Amazon.

Subject To To Change Upon Short Notice

LENDER AB&T Nantional Bank 229-434-4555

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

3.875

Cap

Cap

Rate

Rate

30 yr yr..

3.00

-

-

-

-

3.625

0

3.125

0

3.625

3.625 2.875

-

-

-

-

3.25

0

2.75

0

3.875

3.625 2.875

-

-

-

-

3.25

0

3.00

0

3.875 3.250

-

-

-

-

3.750

0

3.250

0

3.875 3.875

-

-

-

-

3.375

-

2.750

-

4.00

3.25

-

-

-

-

3.875

-

-

-

3.875

3.10

4.10

-

-

-

-

2.99

-

-

-

3.75

3.875

3.00

-

-

-

-

3.50

0

3.125

0

3.50

3.75

3.00

-

-

-

-

3.50

-

2.75

-

-

Last Update 09/17/15

Ameris 229-434-4555 Last Update 02/20/15

Colony Bank 229-436-9000 Last Update 12/30/14

Flint Community Bank 229-903-1400 Last Update 09/17/15

Northside Mortgage 229-878-1499 12844 NML 166305 166418 28262 Last Update 09/10/15

Regions Mortgage Inc. 229-434-6817 Last Update 06/28/15

Suntrust Mortgage Inc. 229-430-5494 Last Updat 09/17/15

Synovus Mortgage 229-430-7037 Last Updat 09/17/15

Bank of Camilla 229-294-2068 Last Update 09/03/15

3BUFT DBO CF SFEVDFE SFEVDFE XJUI EJTDPVOU QPJOUT 3BUFT BSF BSF TVCKFDU UP DIBOHF VQPO TIPSU OPUJDF BOE EJTDPVOU EJTDPVOU QFSDFOUBHF BNPVOU QPJOUT DPVME DIBOHF GSFRVFOUMZ GSFRVFOUMZ 0OF EJTDPVOU QPJOU JT FRVBM UP POF QFS DFOUBHF QPJOU PG UIF MPBO BNPVOU QSPHSBNT BOE JT QBJE XIFO UIF MPBO JT DMPTFE .PTU MFOEFST IBWF B WBSJFUZ PG QS PHSBNT ORIGINA ORIGINATION TION FEE IS NORMALLY NORMALLY ONE ADDITIONAL POINT, POINT, BUT CAN VARY. VAR VAR ARY Y. .BYJNVN BNPVOU GPS DPOWFOUJPOBM MPBO JT JT To o Participate in the column, call 888-9333. For information on specific mortgage T programs programs call The Lender. Lender.

MORTGAGE MOR TGAGE PAYMENTS PAYMENTS CALCULATOR PA CALCULATOR

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

and self-latching with TruClose hinges and Magnalatch Safety Gate Latch to ensure latches are out of the reach of children. * Eliminate access to lawn equipment and chemicals. Put these items completely out of the reach of children. * Keep a first aid kit and a rescue kit for those backyards with water features easily

MORTGAGE MOR TGAGE RATES RATES

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

t Your gross t Your annual gr oss income. :PV DBO HFU B WFSZ SPVHI FTUJNBUF PG ZPVS BGGPSEBCMF income. : :PV DBO HFU B WFSZ S PV DBO HFU B WFSZ SPVHI FTUJNBUF PG ZPVS BGGPSEBCMF IPNF QSJDF SBOHF CZ NVMUJQMZJOH ZPVS BOOVBM HSPTT JODPNF CZ 'PS FYBNQMF JG ZPVS IPNF QSJDF SBOHF CZ NVMUJQMZJOH ZPVS BOOVBM HSPTT JODPNF CZ 'PS FYBNQMF JG ZPVS BOOVBM HSPTT JODPNF JT ZPV NBZ CF BCMF UP BGGPSE B IPNF XPSUI UIJT BOOVBM HSPTT JODPNF JT ZPV NBZ CF BCMF UP BGGPSE B IPNF XPSUI UIJT WBSJFT EFQFOEJOH PO DVSSFOU JOUFSFTU SBUFT ZPVS EFCU BOE DSFEJU IJTUPSZ

WBSJFT EFQFOEJOH PO DVSSFOU JOUFSFTU SBUFT ZPVS EFCU BOE DSFEJU IJTUPSZ

attach ropes or cords, which could become strangulation hazards. * Remove old tree stumps and rocks. Level concrete footings to avoid tripping. *Seal wooded features such as decks, swing sets and picnic tables before inclement weather sets in. * Fence in pool and spa areas and ensure your gate is self-closing

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

$50,000 60,000 70,00 80,000 90,00 100,000 110,000 120,000 130,000 140,000 150,000 160,000 170,000 180,000 190,000 200,000

3.75% 4.00% 4.25% 4.50% 4.75% 5.00% 5.25% 5.50% 232 255 277 239 247 263 271 284 278 303 327 287 295 311 319 332 325 355 387 335 345 365 375 398 371 403 442 382 393 413 423 455 417 458 497 430 444 472 486 512 464 506 497 478 492 520 534 512 510 558 553 526 542 574 590 568 556 609 608 573 591 627 645 625 603 661 663 621 641 681 700 682 649 709 718 669 689 729 749 739 695 760 774 717 738 782 804 795 741 812 829 764 788 836 860 852 788 860 884 812 836 884 908 909 834 912 939 860 886 938 964 966 880 964 1050 908 936 992 1020 1079 927 1011 1105 955 984 1044 1067 1136

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