North Atlanta HOME & LIFESTYLE GUIDE DECORATING?
TO REDO THIS SPRING
40 0 N COMMUORTH NITIES
LAST MINUTE PREPARATIONS FOR TAX DAY?
EXECUTIVE DREAM HOME IN TERRI WILLETT Keller Williams Realty Community Partners TerriWillett@kw.com Cell: 770-265-3429
GATED TURNBERRY SUBDIVISION
REQUEST FREE MAGAZINES ONLINE AT REALESTATEBOOK.COM, OR CALL 800-841-3401 March Cover 2016 for N Atl.indd 00109.31.3.001.Cover.indd 1 1
3/18/16 2:43 2:36 PM
NORTH FORSYTH HIGH
CUMMING $274,900 (P596938)
CUMMING $327,500 (P329251)
4 Bd/3 Ba, Bed & Bath on Main, Media w/Wet Bar, Island Kitchen, Private Backyard
4 Bd/3 Ba, Ranch Home w/Golf and Mountain Views, Upgraded Kitchen, Spa-Like Master Bath
NORTH FORSYTH HIGH
SUWANEE $434,900 (P324524)
SUWANEE $464,668 (P329172)
4 Bd/2.5 Ba, Active Aberdeen Community, Open Gourmet Kitchen, Partially Finished Basement
5 Bd/4 Ba, Grayson Plan, Bed & Bath on Main, Gourmet Kitchen, Large Loft, PLAN PHOTO
WEST FORSYTH HIGH
DAWSONVILLE $669,900 (P327493)
CUMMING $774,900 (P203302)
SUWANEE $869,000 (P124920)
5 Bd/6.5 Ba, Custom Built Home, Full Fin. Terrace Level, Gourmet Kitchen, Home Theater, Prvt Fenced Backyard
7 Bd/4.5 Ba, Private Cul-de-sac, 3 Car Garage, Huge Master on Main, Chefâ€™s Kitchen, Fin. Daylight Terrace Lvl
6 Bd/5.5 Ba, Laurel Springs Home, 4th Tee Box Golf View, Keeping Room, Screened Porch, Extensive Bar, Media Rm
Fidelity Bank, equal housing lender, member FDIC NMLS# 185663. Loans subject to normal credit approval criteria. Program guidelines and availability are subject to change without notice. Additional program restrictions may apply.
3/21/16 4:38 PM
of the YATES ESTATES TEAM
REALTOR®, Multi Million Dollar 877-393-0024 • 678-509-6927 www.YatesEstatesGA.com
Ranked #1 team in 3 County Real Estate Board 2013 & 2014 Top 100 Teams Ranked Nationally in Century 21
SUWANEE / OLDE ATLANTA CLUB
CUMMING / JAMES CREEK
DACULA / HAMILTON MILL
Text P124932 to 85377
Text P128839 to 85377
Text P128830 to 85377
$389,500 FABULOUS 4BR/2.5BA in desirable Golf Course N’Hood. Open ﬂr plan. Renovated kit w/SS appl. LG loft. Master on main w/FP leading to priv BA, dbl vanities & whirlpool tub. Priv screened back porch. Newly painted inside & out. Perfect location to schools, major roads, restaurants & shopping. Must See! Quiet cul-de-sac street.
SUWANEE / 3 BRIDGES
Text P128833 to 85377 $274,000 Three BR/4BA TOWNHOME in great location. Covered front entry w/bright spacious fam rm. Kit offers plenty of cabinetry/storage. Spacious master w/walk in closet leading to priv BA. Priv back deck. Terrace lvll w/ unﬁn area for storage/living space. 2 car garage & add’l parking for guests.
DACULA / RESIDENTIAL - COMMERCIAL
Text P124160 to 85377
$350,000 HISTORIC HOME has been added into & improved. Open concept w/vaulted ceilings & upgraded wood details & heavy stone trim. Kitchen offers plenty of cabinetry. BRs are spacious in size. Detached garage. Finished bsmt w/outside entry has studio & sound proof. Convenient to Major Rds, Parks, Gwinnett County Airport-Briscoe Field & schools.
ALPHARETTA / ALL BRICK CUSTOM HOME
Text P123069 to 85377
$1,395,000 LUXURY ESTATE HOME in Heart of Alpharetta. Wide driveway leads to 3 car garage & breathtaking front entry. Master on main w/Lounge & Spa w/marble mosaic ﬂrs. Spiral staircase w/Iron Spindle Handrails leads to LG secondary BRs & Loft. Brazilian Cherry & marble ﬂrs. Chef kitchen w/granite countertops & SS appliances. Full ﬁnished terrace level with bar, theater, kitchen and additional master. Also detached ofﬁce/pool house in back.
$430,000 GORGEOUS 5BR/4BA Brick Front Home. Covered front entry w/2 story foyer, hdwd ﬂrs, breakfast area & bar, island, granite countertops & pantry. Spacious BRs. Master W/trey ceilings & private BA w/ double vanities & sep whirlpool bath. 2 car garage on cul-de-sac street. Currently rented, call for appointment to show.
DUNWOODY / HIGHLANDS
Text P128840 to 85377
$329,900 BEAUTIFULLY UPDATED 4BR/2.5BA home in quiet n’hood. Bright & open ﬁreside fam rm. Kit offers plenty of cabinetry for storage & eat in brkfst area. LG master BR w/walk in closet leading to private BA. Detached patio great for grilling & entertaining. Completely redone inside with new ﬂooring, cabinets throughout, neutral paint. Enclosed new sunroom and expanded Deck-usable level yard.
NORCROSS / RIVER STATION
Text P126866 to 85377
$699,900 MAGAZINE CENTERFOLD HOME w/Award Winning Kit w/all Modern Conveniences at a $250K renovation price. Gorgeous home has been enlarged & improved by original owner & has adorned websites & ads of famous builders. Home offers an open & bright ﬂrplan & is in barely lived-in quality. All rooms are LG w/extra lighting. Updated and move in ready gorgeous home on corner lot with side entry 3 car garage
CUMMING / 3.0 ACRE ESTATE
Text P127832 to 85377
$699,900 CUSTOM ISLAND ESCAPE STYLE ESTATE HOME on level LG lot w/inground gunite pool & view to private pond. Stunning entry way custom door to 2 story foyer w/special order ﬂring inlay. Judges paneling staingrade ofﬁce to banquet style formal DR. Chefs kit w/commercial grade appl, custom cabinetry, huge working island. Full terrace lvl with kitchenette, theater, exercise rm, BA, ofﬁce & BR. Separate guest house.
$879,900 GORGEOUS Upscale Estate 4BR/5BA on over an acre. Grand 2 story entryway w/high ceilings. Oversized kit w/upgrades galore. LG formal DR. Master Retreat w/LG walk in closet, priv BA & sep whirlpool tub. LG Secondary BRs. Terrace level W/full bar & home theater. MUST SEE! Extended back grilling deck with covered area.
ROSWELL / 5 ACRE MINI FARM
Text P130105 to 85377
$330,000 THIS COZY COTTAGE STYLE HOME sits on an amazing 5 acres of land in desireable Crabapple area! Detached workshop behind the house is included in sale. Zoned for excellent schools & located near endless conveniences. Quaint Cottage style home with large rooms and covered front porch. Very level usable land with room for growth. Good area for investment, many new homes/communities in the area.
SNELLVILLE / NEARLY 2 PRIVATE ACRES
Text P128835 to 85377
$135,900 COUNTRY COTTAGE on almost half an acre of wooded land. LG cvrd front porch welcomes you to this quaint home. Offers LG LR, o’sized BRs, & dual vanities in both BAs. Many recent upgrades & improvements. Long level driveway leads to 4C carport. New roof 4 years ago. Conveniently located near Stone Mountain Park, churches, businesses & schools.
JASPER / 12 ACRES
Text P129395 to 85377
$250,000 BEAUTIFUL AREA of North GA mountains. Approx 12 acres with stream and springs. Great building site for home, plus fabulous views. Land backs up to many acres of protected DNR property with beautiful walking trails, lots of waterfalls and maintained hiking trails. Very close to Amicalola Falls State Park. Rare ﬁnd! At top of mountain in private paved cul de sac area with new rocked-path on property has new rock.
3/18/16 10:25 PM
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
40 or th Com0mN unities Se e Ma Inside p
Amazing Custom Dream Home Want to see more? Text P251371 to 85377
Volume 31, Issue 3
Another quality publication from:
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 â€œany 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.â€? We will not knowingly accept any advertising for real estate which is in violation of dwellings advertised are available on an equal opportunity basis.
3/18/16 2:41 PM
A home is not a home because of its room dimensions or the color of the walls. It is about how you feel when you walk through the front door. And the way you can instantly envision your life unfolding there. This is about more than real estate. It is about your life and your dreams.
KELLER WILLIAMS COMMUNITY PARTNERS
Terri Willett utilizes the latest technologies, market Cell: 770-265-3429 research and business strategies to exceed your expectations. More importantly, she listens in order to Making Your Dreams A Reality! ďŹ nd solutions that are tailored to YOU!
3/18/16 2:41 PM
Luxury syndication with The Real Estate Book has global reach. Luxury listings are posted daily to these great luxury brands including: - International editions of The Wall Street Journal, including Asia, Europe, India, China and Latin America. - Mansion Global English, Spanish and Chinese.
# Listings $450,000 and above * Listings $500,000 and above ** Listings $750,000 and above *** Listings $1,000,000 and above 3/18/16 4:30 PM
Georgia Hometown Team
ELEGANT 5BR ESTATE w/Full Terrace lvl In Law Ste! Rocking Chair Front Porch, 2 Story Foyer too many upgrades to list! Crown molding, judges panel stacked FP w/soaring cathedral ceil in GR. Grand staircase crowns the open flr plan. Chef’s kit w/granite countertops, SS appl, hardwood flrs, dbl ovens, Island, Breakfast Bar. Master w/dbl trey ceil, spa-like master BA, sitting area. Stepless inlaw ste w/kit, theater rm. Detached garage big enough for RV. MLS:7519011 Text P865501 to 85377
Cumming MOVE-IN READY. Sought after Step-less Ranch in Desirable South Forsyth Active Adult neighborhood. Pride of ownership & loaded w/upgrades! Hardwood Flrs throughout. Open Flr plan boasts plantation shutters,recessed lighting,10 ft ceil, & crown moulding. Granite c-tops in kit w/all stainless appl. Fireside living rm opens to dining area. TWO Luxuriously sized Master Stes. MLS:7585600 Text P942055 to 85377
Dawsonville RELAXING LAKE LOTS w/Lake frontage & views! 11.50 Acres of building sites on Beautiful 13 +/- Acre lake w/about 400 ft of lake frontage. Feat Mature hrdwds, & path is marked w/stakes & pink tape to easily get to lake. Perfect Opportunity for Dream Home, Subdivision or Investment. Min to Premium Outlet Mall - Hwy 400 & Gov’t Center. Survey, engineer report available. MLS:7605555 Text P865277 to 85377
Cleveland BUILD YOUR DREAM HOME on this Premium Bsmnt Lot w/162 Ft of Chattahoochee River Frontage sitting upon a Cul-de Sac. Very easy on the eyes w/natural beauty including magnolias & redbuds. Survey flags are quick to spot & the land has been recently cleared. Established neighborhood. Gorgeous Yonah Mountain Vineyards right near by. MLS:7578857 Text P865263 to 85377
HISTORIC HOMESTEAD original dwelling from early 1800’s. Proudly resting at the base of the Sawnee Mountain Preserve. Although close to 400/Hwy 9/Downtown Cumming, this property is nestled serenely away. Old barns owned by the Dr Dunn estate abut to this property & across the street pastures are still used by livestock. The property has a feeling of home reminiscent of times gone by. MLS:7585700 Text P942056 to 85377
Solid Source Realty Gary & Justine LaClair Broker Associates, ABR, GRI, SFR
770-475-1130 x8887 cell 706-974-9856 GAhousehunt.com info@GAhometown.com
Never call agents curbside again! GPS built in! SolidSource.Mobi/GAHOMETOWN 00109.31.3.007.LaClair.indd 1
3/18/16 2:40 PM
thisoldhouse.com | MarthaStewart.com
Your Windows’ Sparkle Our home is full of intricacies that make it beautiful as a whole. One piece of the house that can really make a difference in curb appeal is your windows. Did you know that a home’s windows should be cleaned on the outside at least twice a year?
Often, this task gets neglected because of the lack of know-how on what cleaner to use, what tools are best, or when to hire a professional to do the dirty work for you. We are here to guide you along in making your windows shine.
et a date and time. Like we stated above, set aside a day at least twice a year to tackle the task of cleaning your windows. We suggest picking dates in the spring and fall when temperatures are more mild and it also keeps the cleanings evenly spaced. Time of day matters, too. Clean when the sun isn’t directly shining on the windows as to avoid quick drying during the task. This could result in streaks or spots.
hoosing the right tools We begin the tool search by first setting out what to avoid. In days past, homeowners would scrub away using things like newspaper, paper towels, old linens, or hard bristles. These items leave behind lint, scratches, and a static charge, causing more dirt. In actuality, the best tools to choose are closer to what
the pros use. Soft bristle brushes, squeegees, natural sponges, or chamois towels all work great and don’t do any damage.
a chamois to soak up any leftover wetness and your windows will shine!
et help. If your windows are too high or this process seems too tedious, then hire a professional. A professional window cleaner will ensure a higher quality job and keep you safe from uncomfortable heights. When hiring a professional check to be sure they are insured and come with experience.
hich cleaner to use. The grocery store cleaning aisle offers multiple options for cleaners when it comes to windows. Often times, these are over the top. What works best is sitting right next to your sink or in your pantry: the tried and true dish soap or vinegar. When using dish soap, just a squirt will do the job mixed in a bucket of warm water. The less suds in the bucket, the better. If vinegar fits your supply list better, then use equal parts vinegar and warm water.
he how-to. Scrape away debris from the panes using your soft bristled brush. Wet your sponge with the cleaner you’ve chosen and loosen up any dirt. Next, use a presoaked squeegee to swipe downward in even strokes, overlapping the first stroke with the second and so forth. After each stroke, wipe off the squeegee with a lint free towel or sponge. After all swipes are made, do one more left to right squeegee swipe at the bottom. Use
Just a quick swipe down this list and your windows will sparkle in no time!
678.889.1000 1874 McGinnis Ferry Rd Duluth, GA 30024
3/18/16 4:32 PM
Text P497362 to 85377
Text P917620 to 85377
SAUTEE NACOOCHEE $335,000 MOVE IN READY! Immaculate & spacious w/gorgeous ceilings, LG breakfast rm & open DR. Dramatic entry, stone FP & dbl windows on front w/plantation shutters. Vaulted/scrnd porch, patio & deck. 4 temp control zones. 2 hot water heaters. Skylake amenities. MLS: 07473231
CLEVELAND $675,000 FIRST TIME ON MARKET. 39 acres. One of a kind exceptional property. If you are looking for country living this may be it! Home is in good condition w/3br’s and 3 baths, central h/a dbl insulated windows, x insulation, storm doors, great construction and owner “hands on” built. MLS:07591175
Text P917986 to 85377
Text P917621 to 85377
Text P917622 to 85377
CLEVELAND $49,900 Almost too good to be true. Tranquility & harmony w/ nature is calling. Several nice home sites from which to choose on this gently wooded knoll overlooking the the private neighborhood stocked lake. Property fronts into lake allowing for a personal dock. MLS:7590183
DAWSONVILLE $1,769,790 114 Acres located in the city limits. This tract of land is being offered at a price which makes it possible to build and sell homes with a good profit margin. MLS:07436020
CLEVELAND $39,900 Great value for this large tract of land. Property is in flood zone but will make a good weekender for RV. Must see! MLS:07525859
Text P889125 to 85377
Text P to 85377
Text P497361 to 85377
DAHLONGEA $299,900 Need More Space? LG Home W/ 4 Roomy BRs and 3.5 Ba. All Int. Just Painted Including Clgs. Feat Include Soaring GR Ceiling W/Stone Wood Burning FP, Mst Ba W/ Whirlpool Tub, Sep. Ceramic Shower, Dbl Sinks & Walk-In Closet. Lrg Master BR. Upper Flr Offers 2 BRs + Huge Bonus Rm. MLS:5632184
WHITE COUNTY $18,500 ATTENTION BUILDERS! 1.15 acres. Land lies in the City Limits of Cleveland, GA. and offers public water & sewage. Hard to find lot w/small yr round stream on front & paved street. MLS:7602369
CLEVELAND $69,900 3.29 acres Great opportunity to own a choice lot at a great price. Large trees for shade and beautiful landscaping. Very nice homes in this great subdivision. Quiet and peaceful with mountain views throughout. MLS:7410424
Text P942572 to 85377
Text P942571 to 85377
Text P889043 to 85377
CLEVELAND $23,900 COUNTRY LIVING. 1.08 acre lot w/ mountain view. Lot is grassed & cleared for less expense in building. Availability of public water also reduces the cost of construction. Smaller neighborhood w/ newer homes. Min to downtown Cleveland & Helen. MLS:
COMMERCIAL $535,000 NEW ON MKT Small Shopping Strip. 4 retail units + The Corner Grill Building. LG corner lot fronting on busy 129 S of Cleveland n edge of city limits. Public water & sewage on site. Great investment. MLS:
CLEVELAND $49,900 New on Market, great tract of land with Long Creek Frontage. Several very good homesites on property with one on level ridge top overlooking fast running creek. Come take a look. MLS:7522108
3/18/16 2:40 PM
Call Geri Beckmann 404.290.2330
Direct to View all Available Orchards Properties
312 Shade Tree Circle $259,900 - Orchards of East Cherokee - Entertainer’s Dream Beautiful Hampton Ranch on private lot. Hdwd on main level. Many windows w/ private wooded views. Chef’s kitchen w/ample counter space, granite tops & maple cabinets; opens to GR, sunrm & LG DR. Bsmt w/ﬁn GR & extra LG BR/BA & storage space. Surprise wine cellar! MLS# 5577812 Text P812613 to 85377
1975 Brannon Commons Circle $395,000 - Orchards of Brannon Oaks Farm - Premier Active Adult Community End Town home Unit w/the best private lot. Hardwoods on the main. Covered Deck has wooded priv views. Oversized Master has plenty of room. Gourmet Kit is open to the GR & has many windows for natural light. Upstairs loft & 3br’s. Full unﬁn basement. MLS# 5646203 Text P914492 to 85377
1235 Creek Vista Drive
131 Owens Farm Lane $297,500 - Orchards of East Cherokee Spacious Bright & light Beaumont has Wide Plank Hdwds in all living areas. Open kitchen loaded w/options. Option to eat in kitchen or sun space. LG master & secondary BR on main & granite in BAs. Full guest suite upstairs w/LG closet & BA. MLS# 5627048 Text P535882 to 85377
2706 Grapevine Circle $279,000 - Orchards of Habersham Grove Great Abbey Floor Plan has been totally renovated in the last year. Upstairs bonus room has full bath. LG master w/bright bathroom. Close to any kind of shopping and very close to the Hospital & dr’s ofﬁces. MLS# 5643797 Text P911557 to 85377
$397,000 - Orchards of Brannon Oaks Farm Better than new home in Premier Active Adult Community. Homeowners second home. Many dollars spent on extra terracing & landscaping. This home has all the bells and whistles. Elegant Molding is featured in Hallways & Dining Room. MLS# 5643784 Text P911556 to 85377
All Orchards Communities Have Club Houses With Weekly Social Activities, Pool, Fitness Room, Kitchens and beautiful Entertaining Areas 00109.31.3.010.Orchards.indd 1
3/18/16 2:40 PM
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
is the hub of the home. Itâ€™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
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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!
The Brad Carlton Team
678-587-7555 • 800-486-6841 • 404-843-2500
Free Recorded Information - 24 Hrs/Day! Call Toll Free 1-800-503-6604 “2006,2007,2011,2013, 2014
Then enter the recording number to hear a recorded description
Angie’s List Super Service Award”
Search 1000’s of Homes Instantly! www.bradcarltonrealtor.com
End Unit Townhome!
Midtown High-rise Corner Unit!
$45K in Upgrades!
ENTER RECORDING #9201 TEXT VIEW20865 TO 878787 FOR PHOTOS!
ENTER RECORDING #9111
TEXT VIEW20866 TO 878787 FOR PHOTOS!
ENTER RECORDING #8681
Great School District!
ENTER RECORDING #9101 TEXT VIEW20868 TO 878787 FOR PHOTOS!
ENTER RECORDING #9121 TEXT VIEW20867 TO 878787 FOR PHOTOS!
TEXT VIEW20864 TO 878787 FOR PHOTOS!
ENTER RECORDING #5171 TEXT BRAD7 TO 88000 FOR PHOTOS!
7+ Riverfront Acres!
ENTER RECORDING #2521 TEXT BRAD11 TO 88000 FOR PHOTOS!
Pool! Deep Water Dock!
ENTER RECORDING #2151
TEXT BRAD1 TO 88000 FOR PHOTOS!
ENTER RECORDING #5131 TEXT BRAD5 TO 88000 FOR PHOTOS!
Near Cumming Square!
ENTER RECORDING #8691
TEXT VIEW20858 TO 878787 FOR VIRTUAL TOUR!
ENTER RECORDING #5141 TEXT BRAD14 TO 88000 FOR PHOTOS!
Gated Country Club! ENTER RECORDING #5161
TEXT BRAD8 TO 88000 FOR MORE PHOTOS!
3/18/16 2:39 PM
Text BRS to 85377 For More Information!
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 lend-
ers 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
3/18/16 3:12 PM
404.843.2500 Office 470.266.2400 Direct
firstname.lastname@example.org Text PCodes to 85377 for more photos and info on your phone!
Cumming SPACIOUS HOME Min from access to Lake Lanier. 3BR, 3BA home w/beautiful hardwoods. $146,000
Alpharetta QUAINT RANCH HOME 4BR-3BA sits on private acre lot in cul-de-sac. Fenced yard, new roof. Must see. $285,000
Cumming & Forsyth County Specialists Award Winning Agents Distinctive Collection Luxury Sales Certiﬁed Lake Lanier Experts Experienced & Knowledgeable Buyer & Seller Representation Now Interviewing! Come join the #1 team
Cumming BEAUTIFUL & SPOTLESS 5BR-4BA, On LG corner lot. New interior paint, new refin hardwood floors. $382,000
Cumming CUL-DE-SAC LOT 6BR-5BA Master Ste has sitting room/ office area Screened Porch. 2nd floor study area/den. $439,000
INSTANT INFORMATION: Text BellNash to 85377 for more info and photos
Find more homes at www.bellnash.realtor
quire 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.
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 dif-
ference 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 re-
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.
3/18/16 3:12 PM
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.
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. Credit challenged, self-em- I am not willing to risk that repployed, renovation loans, down utation on a friend, relative, boss payment assisted loans require or colleague of theirs. more skills than a standard loan. Finding the right lender is importLastly, a borrower should ant to a successful transaction. feel comfortable with the person handling their loan. If they feel Occasionally a buyer will the person isn’t listening, doesn’t come to me with a lender rec- care, is too busy or not interested ommended by a friend, relative, in making them the loan. Move boss or colleague. Admittedly on and move one early. Better to I do not know every great lend- get divorced after 1 year on uner. This has been a mixed bag, happiness than 10. sometimes it works out great The Consumer Financial Prosometimes it’s a disaster. I usu- tection Bureau http://www.conally have them get a 2nd opinion sumerfinance.gov/the-bureau/ from one of my lenders. I explain established significantly different while it is important to them that
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
3/18/16 3:49 PM
FINALLY A FRIEND for the HOME BUYER!
We donâ€™t wear the gloves everyday, but we always have them handy...
We will represent you FREE! Call Now!
... we will fight for YOU all the way to the closing table.
Bruce Ailion, The Ailion Team REALTOR Attorney 404-978-2281 Ext 2 Office 688-520-9292 Cell 866-472-1049 Bruce@LocationLocationLocation.com
Town & Country ACCREDITED BUYER REPRESENTATIVE
Text AilionTeam to 85377 for more information! 00109.31.3.015.AilionBoxing.indd 1
3/18/16 2:54 PM
Roz Grady 770.380.1963 Darlene Hamrock 404.386.9231
Kimberly Yates 678.314.1737
4166 Big Creek Overlook - MLS# 7480876 5BR - 4.5BA Stone/Brick Estate on Acre+ Text P747165 to 85377
91 Willis Dr - MLS# 7576338 5BR - 3FBA - 3HBA Luxury Estate Home Text P128843 to 85377
Kimberly Yates 678.314.1737
Gary & Justine LaClair 706.974.9856
4425 Brampton Way - MLS# 7569094 5BR - 4BA Brick Front Home. Text P128839 to 85377
1030 Creek Vista Dr - MLS# 7585600 3BR - 3BA Move in ready Text P942146 to 85377
Roz Grady 770.380.1963 Darlene Hamrock 404.386.9231
Roz Grady 770.380.1963 Darlene Hamrock 404.386.9231
10565 Montclair Way 5BR - 5+BA Almost 2 Acres Text P887373 to 85377
945 Woodsmith Lane 4BR - 3.5BA Brick w/Winter Golf Views Text P747162 to 85377
A L P H A R E T TA CUMMING JOHNS CREEK 00109.31.3.016.Alpharetta.Cumming.JohnsCreek.indd 1
3/18/16 10:45 PM
Terri Willet 770.265.3429
Kimberly Yates 678.314.1737
1525 Bramble Bush Way - MLS# 7589626 5BR - 5.5BA Executive Dream Home Text P251371 to 85377
7180 Palisades Pt - MLS# 7568806 4BR - 2.5BA in desirable Golf Course Nâ€™Hood Text P124932 to 85377
Kimberly Yates 678.314.1737
Kimberly Yates 678.314.1737
4214 Baverton Dr - MLS# 7572530 3R/4BA TOWNHOME in great location. Text P124961 to 85377
5249 Burma Rd - MLS# 7534852 6BR - 6.5BA Custom island escape Text P127832 to 85377
Century 21 Results Realty 770.889.6090
Roz Grady 770.380.1963 Darlene Hamrock 404.386.9231
7325 Beaumont Ter - MLS# 7595335 5BR - 5.5BA Laurel Springs Home Text P124920 to 85377
60 Johnson Rd 5BR - 5.5BA Brick & Stone Estate Text P772833 to 85377
SUWANEE 00109.31.3.017.Suwanee.indd 1
3/18/16 10:46 PM
e h T n O Bring
! e n g a p m a h C k n i P It’s Time To Celebrate Home Buying! CALL TODAY!
Local family owned business for 12+ years. 30 days to close. Qualify for a bigger home without a bigger payment Just Introduced: No Income verification for loans over $417,000 Presidents’ Month Special: VA purchase & IRRRL ReFi
Deborah Lee Switts
NMLS # 160318 Georgia Residential Mortgage Lic# 18978, Florida# MBR1545
PRINCIPAL CONSULTANT & LENDER NMLS#164902, GRMA#25333 AND FL#: 23645
1500 Abbey Ct, Alpharetta, GA 30004
Direct: 678.886.7283 www.GoodFriendMortgage.biz
3/18/16 2:38 PM
Roz Grady 770-380-1963
10305 Medlock Bridge Road Johns Creek, GA 30097 Joy Jones, S.V.P., Managing Broker
Darlene Hamrock 404-386-9231
ST IVES - Four-sided brick w/3-car garage & gorgeous yrd. M/M, 2-sty GR, LR/Study. Bright open floor plan. Part fin LL. 5BR/4+b. $629,000 - Text P794094 to 85377
JOHNS CREEK - Almost 2 Acres in Exclusive Gated Comm. Pristine. 5BR/5+BA. Updated kitchen. Screen porch. Study. MBR w/sitting area. Fin LL. $899,000 - Text P887373 to 85377
ST IVES - Gorgeous brick on 6th fairway w/pool & 2 MBRs. Stunning kit & bath renovations. Castle doors. Study. Fin LL. 6BR/6+b. $1,399,000 - Text P913883 to 85377
BERKELEY LAKE - Sophisticated living on park-like lot. New kit w/Miele appls. Upscale baths. Study. Hdwds throughout. 5BR/4+b. $719,000 - Text P913885 to 85377
SUWANEE - Private Brick & Stone Estate. Beautiful 5BR/5.5BA. Gated on over 1 Acre. Saltwater Pool & Spa. $899,000 - Text P772833 to 85377
ALPHARETTA - Stone/Brick Estate on Acre+. Mahogany Interior Drs. Travertine & hdwds. Study w/FP. Upscale Kit. Lux M/M. Bright LL. $1,025,000 - Text P747165 to 85377
CUMMING - New Brick on 2+/-ac. Hi-end finishes. 8-ft Drs. Gated Comm. 2-stry GR. M/M. Upscale kit. 3-car gar. $499,999 - Text P794094 to 85377
JOHNS CREEK - Brick w/Winter Golf Views. Gated Comm. Screened porch. Gorgeous Cabinetry, Granite & Hdwds throughout 2 levels. $564,800 - Text P747162 to 85377
ST IVES - Exquisite hm w/gorgeous pool on Golf/River Lot. Upscale dĂŠcor. M/M, 2-story GR. Study. New deck. Fin LL. 6BR/5+BA. $1,099,800 - Text P876660 to 85377
3/21/16 4:39 PM
Text Property codes to 85377 for More Photos & Information!
$3,760,000 - Atlanta
outhern Sophistication atop perfectly landscaped, level acre+ lot in coveted cul-de-sac n’hood near Atlanta’s finest pub & pvt schools. Grand reception rooms, Soaring ceilings, Dual staircases & Exquisite woodwork speak to the breathtaking details that set this home apart & have gained it accolades in various publications. 6 bedrooms, 7 full baths, 4 half baths, an Entertainers dream, in & out: high end kitchen, spacious dining, home theater, wine cellar, award winning gym, sauna, massage & billiards/bar area; saline pool, infinity Jacuzzi, gated grounds. Mstr & en-suite on main, 4 addt’l suites and bonus rm up. MLS:5580873
$2,350,000 - Atlanta
ER UND ACT TR CON
$1,250,000 - Atlanta
elcome home to the Ritz Carlton Residences! Spacious corner unit w/Buckhead & Downtown skyline views. World class amenities: concierge, valet, club rm, pool, outdoor entertaining area & fitness. This is 1 of the most desirable flr plans in building! MLS:5658861
$925,000 - Atlanta
orgeous new construction in Brookhaven. Walk to Montgomery ES. Floor plan features beautiful entry foyer leading to professional kitchen open to large family room with coffered ceilings. Dining room, separate study/living room and guest bedroom with full bath all on the main level. Spacious master suite features luxurious bath and huge walk-in closet. 3 additional guest bedrooms and a large media room upstairs as well. Full unfinished basement open to back yard. MLS:5637318 www.1353BecketDr.com
mazing Custom Home on .95 acres in North Buckhead has an estate feel in prime buckhead location. 7 Bedrooms, 6.5 Baths, master suite is on main level. Professional kitchen with keeping room and breakfast area. Recent addition that features a guest apartment with full kitchen and additional garage space for 16+ automobiles/motorcycles. Professionally landscaped private rear yard with saltwater pool, hot tub and gazebo. Elevator, generator, and too many other features to list! MLS:5600488 www.280OldIvy.com
$1,150,000 - Atlanta
abulous recently renovated home walking distance to Sarah Smith Primary campus! Open floorplan with vaulted ceilings on main level has great flow for entertaining. Professional kitchen with stainless steel appliances and granite counters open to keeping room and sunroom/ breakfast area. Luxuriously appointed master suite on main as well as second bedroom and office. Beautiful outdoor living space features a pergola and stacked stone fireplace. Two bedrooms with own baths and a large media room upstairs. Finished basement with rec room, bed, bath and wine cellar. MLS:5643464 www.3545OldIvy.com
R E A LT O R S
404.352.2010 00109.31.3.020.FrankNelson.indd 1
3/18/16 2:37 PM
00109.31.3 North Atlanta Ebook