The Chatty Chapman

Cumming Ga Buyers Beware Its no Longer JUST Your Market

2012-02-01T09:16:00.000-08:00

SEARCH FOR HOMES NOW <>Well its been 5 years since we faced the 2007 drought and the beginning of the housing crises here in Cumming Ga. I remember it all to well trying to sell a second home market of Lake Lanier properties with no lake and zero funding for second home purchases. This was a nightmare. Today's Cumming Ga Forsyth County market is much different than those days. In fact the market is doing things we have not seen since the late 90's early 2000's. While driving around showing homes to buyers we are greeting other agents and their buyers. There is a smaller amount of homes on the market in Cumming Ga and a huge pent up demand from buyers. Therefore many homes are seeing multiple offers and going to what agents refer to as highest and best. Meaning all parties bring your best offer because this home is selling fast.I think we can for sure say at this point that we are in a transitional market. Meaning neither buyer or seller market. Home prices in Cumming Ga are priced to sell. Agents and homeowners know the market and buyers can no longer expect to come in and shave 15,000 dollars off the sell price. Its best to understand as a buyer what the neighborhood values are. Just because one home sold as a distressed property in a neighborhood does not mean the whole neighborhood is worth what the house sold for. Just know that whom ever bid and purchased that home got a heck of a buy. The values are still out there because prices still remain much lower than their peak in 2006. Since we are now stabilized here in Cumming Ga naturally it would only be a matter of time before home prices start to increase in value. Also, if we continue to see a decrease in inventory as well as a price increase we will eventually return to a seller's market.Words of advice*** Know before you show. - Ask your agent what other homes have sold for in the neighborhood in which your looking to buy.Get Pre-approved. - Never start searching for a home when you don't even know what you can afford.Shop within your range. - In this market do not stretch to far outside your pre-qualification amount. Since negotiation gaps are much smaller now, stick close to the set number from your lender.Buy within reason- Understanding what money will buy in this market is much different than it was even a month ago. Upgrades are costing more they are no longer free.WHAT IS YOUR HOME WORTH?We assist home buyers and sellers everyday.Lets us help you make the best deal for you.Brad and Pam ChapmanKeller Williams Realty Atlanta Partners770-616-2873bradchapman@kw.com pamelachapman@kw.comTOP 20% South Forsyth Market Center/Agent Leadership Council/Realtor

Give The Gift of Downpayment in Cumming Ga

2011-12-15T07:21:00.000-08:00

If your children are grown and its hard to imagine what to buy them for Christmas. They have out grown their matchbox cars and barbie dolls, have obtained a great education, and they are now dedicated to a full time career. Perhaps one milestone that they have not achieved but more than likely is within reach is homeownership. As a parent here in Cumming Ga you can gift the gift of a downpayment for your sons and daughters. With interest rates so low and stabilization returning to the real estate market here in Cumming Ga, perhaps this Christmas is a great time for them to buy their first home. Coming up with a down payment often times stands in the way of most young adults for homeownership. Parents can gift up to $13,000 to each child who in turn will use this money to pay their downpayment.

If accepting a downpayment gift is part of your home financing strategy, be aware that there's a right way and a wrong way to accept a gift. You can't just deposit your parents' money into a bank account. First you will need a Down Payment Gift Letter. Include the amount of gift, the subject property address, the relationship of the gift giver, state that the gift is just that and not a loan, and all parties must sign and date the letter. Second you will need to create a paper trail. Use a certified check, make sure the gift money is for the exact amount as the letter states. Deposit the check with a teller and do not commingle the deposit with other deposits.

Do keep in mind every loan product is different and homebuyers must qualify for a loan that allows gift funds. To find out more about this topic or real estate in the Cumming Ga market contact us at 770-616-2873 or email agentpamchapman@gmail.com

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A welcome addition, Your First Home is the first book in the Keller Williams Realty Guide Series. Packed with inspiring stories and the wisdom of thousands of successful first-time home buyers, it's a must-read for anyone aspiring to buy a home. Email me to learn how to get your free copy.

Housing Shortage Atlanta/Cumming Ga!!!

2011-11-29T12:24:00.000-08:00

Since we are winding down fourth quarter, I thought it is appropriate to talk about the slow real estate recovery that may be coming to an end in certain metro areas including Cumming Ga. We have taken a staggering free fall back to 2001 unit levels but as data is telling us that homes sales are on the rise. With a projection of 80,000 homes being sold in the metro Atlanta Market in 2012. Current inventory says that we only have six months supply to meet that demand.

We have for sure hit the bottom as far as units being sold and are now on the rebound. If current conditions continue to improve with consumer confidence we most likely will hit bottom for declining home prices metro wide in 2012. Currently in most metro areas we have homes priced at 1993 levels. We are already seeing a sellers market in several price points, and expect to see even more price points rebound. This information applies to only select counties and even more select areas inside the counties. Conditions are showing favor for Forsyth, North Fulton, some parts of Gwinnett, Cobb and possibly a rebound for Cherokee Counties.

All foreclosed new construction has been absorbed but with an abundance of lots scattered across the metro area, lot prices have been continuously dropping and may do so for quite some time. There is no doubt that some of your larger banks failed to dump lot inventory back in 2008 and 2009 and will certainly take a larger hit on prices as they prepare to dump those lots in the near future.

Back before the 2008 crises, small builders made up the building market in the Atlanta metro area. Leaving larger builders, building about 15%. With tarnished credit and banks not providing constructions loans, a huge gaping hole has been left in the real estate market with current cash flow builders not being able to keep up with the demand of housing. I first wrote about a possible housing shortage back in June of 2010. At that time only 672,000 homes were being built nationwide, less than half the long term run rate needed to meet the nations natural population growth. This year’s numbers have slipped back to 628,000.

What does this mean? The housing demand is there and as consumer confidence grows, we will most likely see the pendulum swing the opposite way here in Cumming Ga. Pushing housing prices up hopefully at a safe appreciation of 2-4% annually.

To learn more: 770-616-2873

Visit our website @ www.homescummingga.com

NEW FHA LIMITS FOR CUMMING GA

2011-11-23T06:29:00.000-08:00

FHA has given more buyers this am a reason to purchase a home . House and Senate voted to raise the size of mortgages backed by the Federal Housing Administration to $729,750. Restoring the higher loan limits for the FHA will provide homeowners and homebuyers with safe and affordable financing, while providing a much needed boost to housing markets all around.

Call it a big victory for the Cumming Ga real estate market were we are still seeing 14 months of inventory in the $750-$999 price point and roughly 10.5 months of inventory in the $500-$749 price point. People looking to buy in this price range will now have more mortgage options outside of a jumbo loan.

While sales did increase during 3rd quarter 2011, the median sales price continued to drop, down by 8% compared to last year. There was a larger increase in sales in the lower price ranges while other price ranges increased by less. In turn forcing that lower median sales. So we are seeing shorter supplies in lower price points right now in the Cumming Ga market due to the lack of inventory.

If you need to sell, priced up to $400,000 now is the time to list your home. My opinion would be that waiting until spring market would be a costly mistake, when the market tends to flood with homes. Contact as us to find out more specific advice tailored to your community.

HOMES FOR SALE IN THE CUMMING GA AREA.

Contact us at:

770-616-2873

HOMESCUMMINGGA.COM

agentpamchapman@gmail.com

Give New Reason to Old Things This Season in Cumming Ga

2011-11-15T11:10:00.000-08:00

As we find ourselves celebrating and house hopping in Cumming Ga this holiday season, I wanted to write up a little reminder about everyone doing their part to reduce waste in the kitchen. One little thing you can do if you are popping wine corks is to save them. There are tons of great videos out there on how to recycle wine corks. From making a cork mud mat to a cork bulletin board. My favorite so far is how to make a cork wreath. Its very cute and festive. It can also be used as a gift or hang it in your own Cumming Ga home year round. Also, lets remember to recycle those bottles and any other materials that can be recycled. Here in Cumming Ga we have a great recycle program with several different Cumming Ga facility locations. Taking anything from cardboard to cooking oil. Lets us all have a safe and wonderful holiday season and work together to keep Cumming Ga and Forsyth Co. beautiful. Happy Holidays!

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$100.00 Down May Sound To Good To Be True But Its True

2011-11-04T07:44:00.000-07:00

The $100.00 down program for HUD homes is a true non mythical program.
Any home buyer looking to purchase a home in the Cumming Georiga Forsyth County
market could possibly utilize this program to save a lot of money on the purchase of a HUD home. There are some stipulations, like the buyer must be an owner occupant using FHA financing. The sale must be for the full amount of the current list price. In addition to the $100 down instead of FHA’s typical 3.5 percent down payment, HUD says it will also cover up to 3 percent of the closing cost in most cases. Which will still require buyer bringing some money to closing but roughly only about 2.5 percent in comparison to 6 percent.

This program can also be used in conjunction with FHA’s 203k loan, which may be used to fund repairs and renovations on a home. Basically a buyer will be allowed to finance both the mortgage and additional money for rehabilitation with one single loan. There are stipulations to this as well and that is why it is necessary to work with a experience Realtor to help guide you through the process. In the end most HUD buyers will agree that it is a great way to tap into the American Dream of homeownership. Interested in learning more contact us @ 770-616-2873. We will be glad to assist you with information.

Search for Properties @ http://www.homescummingga.com

We sell HUD HOMES !

We believe all the above information to be accurate but not warranted. Loan programs are subject to change and are based upon each individuals credit status and approval.

Back Log of Foreclosures

2011-10-25T07:53:00.000-07:00

We all keep hearing the talks about a backlog of foreclosures due to the federal government's investigation of banks and their procedures handling such. This may all be true and we might see a flux of new foreclosure inventory nationally. Here in Cumming Ga foreclosures have been steady to arrive to the market. Many being Fannie Mae or Freddie Mac. In fact, 80% of all foreclosure market are Fannie Mae or Freddie Mac. We have made our fair share of offers on these type homes. What you must understand is that these homes are being bid on by multiple buyers and usually do not stay available for very long in the Cumming/Forsyth market. Understand that before Fannie and Freddie put their homes on the market they have usually been fully inspected, with some repairs being made, as well as at least one broker price opinion and an appraisal. So what does all this mean? That before you even consider looking at a foreclosure you should hire buyers representation from a Realtor who is experienced with foreclosures more specifically Fannie Mae's and Freddie Mac's. This is the single most important thing anyone can do as a buyer. Buyers representation is free, sellers pay this fee. There are tips and tricks to make a foreclosure buying process easier and more efficient and a qualified Realtor can assist more proficiently. To learn more contact us @ 770-616-2873 or at www.homescummingga.com.

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What It Take To Qualify For A Mortgage

2011-10-14T06:26:00.000-07:00

Are you wanting to explore the idea of homeownership? There are many different types of mortgages but perhaps the most popular loan product today is the FHA home loan. FHA home loans were designed to help Americans fulfill their dreams of homeownership. What does it take? Here are the essentials.

Steady employment history, at least two years with the same employer or two years in the same field of work. Sometimes permissible short laps in between jobs.

Consistent or increasing income over the past two years.

Credit report should be in good standing with less than two thirty day late payments in the past two years.

Any bankruptcy on record must be at least two years old with good credit for the two consecutive years.

Any foreclosure must be at least three years old with good credit for the past three years.

Total monthly debt including mortgage payment may reach as much as 50 percent of total income.

If you can answer YES to these statements you should have no problem qualifying for an FHA home mortgage loan.

To prequalify does not guarantee a mortgage. It simply means that you are taking inventory of your income and assets and submitted them to your potential lender. It also helps you to understand your borrowing power and what you can afford in terms of monthly payment. Keep in mind that these are some current guidelines that are believed to be accurate but are not warranted. Lending guidelines do change and each persons guidelines may be different. If you are interested in speaking with a qualified licensed lender email me @ pamelachapman@kw.com

Cumming Country Fair and Festival

2011-10-05T11:13:00.000-07:00

Its that wonderful exciting time of year here in Cumming Ga. The Drew Exposition has rolled into town and the sky lifts are in place. The Cumming Ga Country Fair and Festival opens Oct. 6 and runs through the 16th. This years acts will include Marty Stuart Joe Nicols, and of course it would not be the Cumming Ga Country Fair with out the one and only Charlie Daniels. Opening Day and Saturdays get free admission (during select times) . Come out and snatch up some home baked goods or indulge in a sweet funnel cake. This years Cumming Ga Country Fair will be loads of fun.

Housing Shortage?

2010-06-15T12:48:00.000-07:00

So you may have seen the news article on CNN.com titled , "Is A Housing Shortgage Coming". The article states that the nation is not building enough homes to keep up with the potential demand. With only 672,000 homes built nationwide in the April, less than half the long term run rate needed to meet the nations natural population growth, one might tend to agree.

This week my local board of Realtors focused on New Home Communities specific by providing a new homes tour, otherwise known as a carabus, to local Realtors. From this tour Realtors saw first hand supply and demand with new construction. They also learned how a once not so hot market has turned into a waiting line for buyers. In the South East Forsyth County Cumming Ga market there were sixty homes contracted and built for individuals that were never listed on the local listing service. Meaning that buyers are snatching lots up so fast that listings are not required. Making New Construction the Huge New Competitor.

There is definately a tide turning here in Forsyth County Cumming Ga. Buyers are here, volumn is up, and new construction is slow to meet demand. How ever if you are willing to wait you stand to snag an exeptional deal or incentives like 8,000 closing cost, 75% off custom design, or possibly the best pricing on new construction that we have ever seen.

If you are looking for a local economist and experienced negotiator look no further. We are your Cumming/Suwanee/Forsyth County Realtors.
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Path of Recovery

2010-05-12T05:49:00.000-07:00

Trans Union has reported that late payments on mortgages have dropped nationwide in the first quarter. The first time since 2006. The delinquency rate dropped from 6.89 to 6.77 percent. Still high from a year ago when the percentage was reported at 5.22. Trans Union is estimating the figure to drop even further to around 6.3%. This is a good indication that we are on the path of recovery. Other great indicators for the county include builders snatching up foreclosed developments. One of the most popular to date is the subdivision off Melody Mizer in South Forsyth that was built on top of an inert landfill. If you do not remember, the site was tested and reported high explosive levels of methane gas. Right now a developer is working with the county and the bank to purchase the property and clean it up. A huge bonus for the area. Activity has for sure increased in Forsyth County. Currently there are 449 homes pending closing. Thats a lot of homes. So turn off your tvs and listen to the experts that are great things happening all around us.

Its a great time to buy a home. We are commited to working for you. Contact us today to learn how we can possibly save you thousands off the purchase of your next home. Its going to be a hot one this summer in Atlanta/Cumming Ga. Time to Sell? Ask about our free home warranty program.

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Mother's Day Ideas Atlanta/North Georgia

2010-05-07T05:46:00.000-07:00

Mother's Day Ideas For Atlanta/North Georgia (edit/delete)

Most already have a busy weekend ahead. But if you are looking for some new way of celebrating Mother's Day here are a few ideas.

We always have a lot going on but we are never to busy to keep this tradition in our family. It all started seven years ago my husband and I were married the Saturday before Mothers day. On that day part of our wedding reception menu we served fresh strawberries from the Dahlonega Vegetable Farm. Ever since we have visited the farm on or around Mother's Day picking the yummy strawberries. Our son likes to pick his own and sneak one or two.

Dahlonega Vegetable Farm - Strawberries, beans, okra, corn, tomatoes and other vegetables
2650 Highway 19 North Dahlonega, Georgia 30533 Phone 706-867-9794. Open: 8:30 am to 6:30 pm; Mondays to Saturdays; 11 am to 6:00 pm on Sundays. Picking containers provided; bring your own take-home containers.

Barefoot In The Park festival is this weekend May 8 and 9.

Juried Fine Arts Festival, Free Children’s Art Park, Live Grassroots Performances all day; Beer Garden, Wine Tasting, Adult Art Classes, Food, Face Painting and more!

LOCATION: Town Green in downtown Duluth, GA (metro Atlanta/Gwinnett County)
ADMISSION: FREE

PARKING/TRANSPORTATION
Free Parking is available on Hill Street, behind the Town Green.
Limited street parking is also available in and around downtown Duluth.

ATLANTA Audoubon Society bird walk at Davidson-Arabia Mountain Nature Preserve
Saturday, May 8 9:00a to 12:00p
at Davidson-Arabia Mountain Nature Preserve, Lithonia, GA

Erica Glasner (HGTV) signs "Proven Plants: Southern Gardens"
Saturday, May 8 1:00p
at Eagle Eye Book Shop, Decatur, GA

21st Annual Cherokee County
Indian Festival and
Mothers Day Pow Wow
Boiling Park, Canton, Georgia
May 8 & 9, 2010

We love our area and we want to be your local experts.
If you are looking to buy a home in the Cumming Georgia/Suwanee Georgia Area contact Brad and Pamela Chapman.
Search for a Cumming Ga/Suwanee Ga Home

Realtor Is More Than A Name

2010-04-27T05:47:00.000-07:00

While most consumers have seen the ads and know that it is important to contact a Realtor to purchase a home, many have very little knowledge about what that 7 letter word represents. Few know that members of the National Association of Realtors work around the clock protecting homeownership.

For example in 2008 as the financial crisis revealed itself, the Federal Housing Finance Agency and the U.S. Treasury Deptment place Fannie Mae and Freddie Mac into conservatorship. Shortly after this action the NAR formed an advisory group to discuss what newly conceived secondary market agencies might look like. In short the goal was to create a secondary mortgage market to sustain long term regardless of what the market conditions become. The NAR have come up with several key elements to help ensure a steady flow of capital that will be shared with Congress and help decide the fate of Fannie and Freddie.

This is just one example of what the NAR organization is doing. Working for America's property owners, the National Association provides a facility for professional development, research and exchange of information among its members and to the public and government for the purpose of preserving the free enterprise system and the right to own real property.

So you see being a Realtor is more than just a title. Its a designation and a resposibility to deliver positive results for everyone.

Its a great time to buy a Cumming Ga Home or a Suwanee Ga Home. If you are looking to sell or buy in the Atlanta Ga, Cumming Ga, Suwanee Ga Forsyth Co Ga area Brad and Pam Chapman are your agents. Search for a Cumming Ga /Suwanee Ga/ Atlanta Ga Home.

Atlanta Ranks 22nd So What Took MLS So Long?

2010-04-21T07:44:00.000-07:00

According to Experian's Consumer data 1.25 million people in Atlanta or 26% of the market own an Apple gadget. (iPhone, Mac, or iPod) Making Atlanta an official Mac Metropolis and ranking us 22nd on the list of cities that use Apple products. I guess after all the complaints and this study the MLS boards realized that changes are necessary and in order to compete they should make their systems compatible with more than just one unnamed browser. Changes are on the way for both Georgia Multiple Listing Service and First Multiple Listing Service. (Property Search Websites for Real Estate Professionals) Speaking with someone from FMLS this morning, confirmed that phase one for the upgrades will come late June. This will come as much relief to me after using Mac since 2003. Much gratitude to Parallels for supporting me but to be honest I will not miss the run around at all.

Its a great time to buy a Cumming Ga Home or a Suwanee Ga Home. If you are looking to sell or buy in the Atlanta Ga, Cumming Ga, Suwanee Ga Forsyth Co Ga area Brad and Pam Chapman are your agents. Search for a Cumming Ga /Suwanee Ga/ Atlanta Ga Home.

New Website to Search for Cumming Ga Homes

2010-04-16T05:31:00.000-07:00

We just launched a new website that allows consumers to search for homes in the Cumming Ga Forsyth Co Ga Area specific. This is a fast link to the Cumming Ga Market place including foreclosed homes.

Homes Cumming Ga

Its a great time to buy a Cumming Ga Home or a Suwanee Ga Home. If you are looking to sell or buy in the Atlanta Ga, Cumming Ga, Suwanee Ga Forsyth Co Ga area Brad and Pam Chapman are your agents. Search for a Cumming Ga /Suwanee Ga/ Atlanta Ga Home.

Investment Properties Many Do But Why Not More?

2010-04-12T07:28:00.000-07:00

You have probably heard the saying "The Rich get Richer and Poor get Poorer." Well in the South it has been a limiting belief for a lot of people through out the years. I have come to understand the belief as folks simply not willing to jump on the ship until its to late. I am seeing this happen often in the market right now where buyers are waiting because they feel like there may be a better opportunity tomorrow. A better price, more square feet, simply more later. Perhaps there will be but what about multiple investments? When we purchase one home why does it stop there. Is this too a limiting belief. WHO MADE THE RULES? The American Dream encourages prosperity but does not instill the principal of building wealth. When we are investment planning for our children's future why are we not considering purchasing multiple homes to eventually sell to put our children through college? When we are sinking money into stocks and bonds that someone else controls are we giving away our freedom by not investing in something we can physically see and control? Now I know a lot of people who lost money over the past couple of years do to the decline in stocks. Several of them told me themselves they had wished they had invested in their own community, purchases a second or even third home for rental income. It was a pricey mistake.......

Knowing the rental market and which properties produce the best investment opportunities are just a few of the valuable resources I can provide. If you have an interest in learning more about investing into real estate, I would like the opportunity to share my experiences and those of my clients with you.

Its a great time to buy a Cumming Ga Home or a Suwanee Ga Home. If you are looking to sell or buy in the Atlanta Ga, Cumming Ga, Suwanee Ga Forsyth Co Ga area Brad and Pam Chapman are your agents. Search for a Cumming Ga /Suwanee Ga/ Atlanta Ga Home.

Energy Rebate + Money Saving Partnership=Happy Homeowner

2010-04-08T07:03:00.000-07:00

Thinking about purchasing a new appliance? Now may be the time to earn even extra savings through the Cash For Clunker appliance program offered by the state of Georgia. Georgia received approximately 8.6 million in federal stimulus funds which will allow Georgians to take advantage of rebates for purchasing certain Energy Star (R) appliances.

The rebates range from $25-$199

You must purchase in person

Purchases made before Feb 12, 2010 are not eligible.

Rebates will be distributed in the form of Visa debit cards.

You may check out more information at Energy Rebate.

Here is an incentive to all our past and future clients. In need of new appliances. We can save you $$ through our partnership with Sears Home Appliance. Your savings will range anywhere from 10% to 50%. So automatic savings plus Georgia Energy Rebate equals cash in your pocket.

Contact me today for more information.

Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Atlanta Ga, Cumming Ga Forsyth Co Ga area Brad and Pam Chapman are your agents. Search for a Cumming Ga or Atlanta Ga Home.

Community Matters

2010-04-07T11:14:00.001-07:00

Cumming/Forsyth area volunteers are holding a Community-wide Food Drive to help feed the needy here in our community. Local schools, childcare centers, grocers, and businessess are all helping to stock the shelves of the Community Food Pantry so it can continue providing groceries for the hungry here in Forsyth County.

The Cumming/Forsyth County Pantry serves all families in our community who are hungry. Some are out of money near the end of the month, some have nothing left after paying their bills, some have lost jobs, and others are struggling with a major illness or have become disabled. In the past the Cumming/Forsyth County food pantry provided food to approx. 40-50 famlies per week. Now the number has tripled, with more than 450 local families coming to the pantry for food each month.

I myself have been blessed with health and prosperity and am personally making food donations to the Pantry this week. Communtiy does matter. People matter and when others are struggling and are broken its important for Realtors to give back to a community that has given them so much. I challenge each and everyone whos eyes meet this blog, to offer a hand or a sack of food in your own community this week. It will for sure make a difference in someones life including your own.

WANT TO HELP EVEN MORE?

RED (Renew, Energize and Donate) Day is a Keller Williams Realty service initiative dedicated to improving our local communities. We are asking all Keller Williams Realty associates in the US and Canada to donate their time on May 13, 2010 to renewing and energizing aspects of their local communities. Because of her constant commitment to the culture of our company, this day has been dedicated in honor of our Vice Chairman, Mo Anderson.

Our vision for this day is that all Keller Williams associates will actively engage in a coordinated effort to improve their local community. Activities may include rehabbing a house, cleaning up a local trail, providing food for the homeless, or any other service related activity needed in your community. This will be one of the single biggest events ever undertaken in the real estate industry.

Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Cumming Ga Forsyth Co Ga area Brad and Pam Chapman are your agents.
Search for a Cumming Ga Home. We know Cumming Forsyth Co Ga.

Georgia's Property Tax Reform

2010-04-05T06:36:00.000-07:00

Counts based on total number of properties to receive a forelosure filing, default notice, foreclosure action notice or bank reposession in recent months according to realty trac. Search for a Cumming Ga Home. We know Cumming Forsyth Co Ga.

Property tax reform bill is expected to see action when Georgia state lawmakers return April 12. Its viewed as the most sweeping tax reform bill in decades. The bill would require that property tax assessments go out annually, with an estimate of the owner's tax bill, and would specify that "fair value", be based on all relevant sales, including distress sales. Also, taxpayers would have 45, not the current 30 days to appeal.

The bill of course has concerns by way of cost for counties. The cost of mailing out assessments and hiring licensed appraisers for some of the appeals. Homeowners of course will be watching this one close. Although here in Forsyth County Cumming Ga, appeals for property tax are down compared to last years appeals. But the flurry of last minute appeals flooded the Forsyth County Tax office on March 31, bringing the total to 5,000 appeals.

Out of that 5,000 appeals we can expect about 5% to be overturned. Perhaps with a new law in place we could see these numbers rises in certain areas that foreclosed and bank owned properties have sold.

No matter how you look at it..........

Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Cumming Ga Forsyth Co Ga area Brad and Pam Chapman are your agents.
Search for a Cumming Ga Home. We know Cumming Forsyth Co Ga.

Cumming Clean/Purge Purge Purge

2010-04-01T08:42:00.000-07:00

Hooray! Its that time again. Purge, Purge, Purge. Spring Cleaning is here and its time for all of us homeowners to shead some items we no longer need. It also a great opportunity to donate to shelters and organizations in need. It seems like they are remembered at Christmas and no other time. So here are a few great tips for putting your linen closet in its place and allowing yourself to feel good everytime you go there.

Professional organizer, Dawn McCloskey offers these 13 easy steps to having an organized linen closet:

1. Remove everything from the closet and sort into piles: pillows, blankets, sheets, towels, and table linens. If you keep excess toiletries, put that in a pile.

2. Keep two sets of linens for each bed and 2-3 sets of towels for each person.

3. Clean the linen closet – sponge clean the shelves and line solid shelving with acid-free tissue paper (found at art supply stores) because it won’t discolor fabrics over time.

4. Adjust shelving to proper heights so air can circulate and linens stay fresh: 10” for sheets and table linens, 12”-16” for towels and 18” or more from the top for bulky items like pillows and blankets.

5. You can organize the closet by type (all sheets on one shelf, towels on another, etc.) or by family member (all master linens on one shelf, child’s on another, table linens on a third). If you opt to organize by family member, make sure each shelf is organized the same way, towels to the left, sheets in the center. No matter which way you choose to organize, less-often used items such as pillows, blankets/quilts and beach towels should be stored on the top shelf.

6. Towels – fold bath towels in thirds lengthwise, then in half, then in half again so they’ll stack perfectly and fit most shelves. Hand towels can be folded in thirds lengthwise, then in half.

7. Blankets, comforters, quilts, and pillows – store in original bags or in vacuum-sealed Space Bags on the top shelf. Space Bags are great because they seal out moisture and bugs.

8. Sheets – fold together and store them inside the pillowcase. Another option besides the linen closet – store them under the mattress of the bed the sheets will be used on.

9. Table linens – if space allows, store linens in the dining room buffet or a drawer in the kitchen. An option for table cloths: hang on a wooden hanger from a hook mounted on the inside of the door. Table linens can be stored near the top of the closet.

10. Antique linens – have professionally cleaned and wrapped in acid-free tissue paper to prevent yellowing. Store linens as flat as possible to avoid stressing the fabric. If they must be folded, use acid-free tissue to muslin. They can also be stored by rolling them onto cardboard tubes wrapped with acid-free tissue.

11. Excess toiletries – use stylish baskets, bins or storage tubs with lids that can be stacked or a shoe organizer hung on the inside of the door.

12. Labels – label the sides of shelves so everyone, including guests, will know where to find things. Adhesive labels can be placed on the edges of solid shelving, while laminated cardstock can be mounted using twist-ties or cable ties.

13. Keeping the closet smelling fresh – place a box of baking soda on one of the shelves, place sachets among the contents, or use cedar blocks to keep the linens fresh smelling.

After you’ve accomplished the goal of organizing the closet, pat yourself on the back and enjoy the fruits of your labor by knowing where everything goes, and where to find it.

Dawn McCloskey is a residential professional organizer and founder of Ultra Organized, LLC in Cumming, Georgia. Ultra Organized helps busy families lead better lives by creating order from chaos. McCloskey is a member of the National Association of Professional Organizers. For more information, call 770-844-1049, email dawn@ultraorganized.com or visit www.ultraorganized.com.

The Market is getting itself organized for the prime selling season!

Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Cumming Ga Forsyth Co Ga area we are your agents.
Search for a Cumming Ga Home. We know Cumming Forsyth Co Ga.

Business In Atlanta A Bargin

2010-03-31T08:10:00.000-07:00

KPMG just ranked Atlanta 2nd on its list for cost-competitive cities with a cost index of 96.3, meaning Atlanta had business costs about 4 percent below the U.S. average.

The study is based on cost components including labor, taxes, real estate and utilities, as they apply to 17 industries, over a 10-year planning period, as well as data on a variety of non-cost-competitive factors.

Atlanta succeeds so well because of office leasing, transportation, labor, and employee benefits, along with a favorable effective corporate-tax rate.

There are so many incentives to living and working in the Atlanta market.

Reasons to Buy Now
• It’s a buyer’s market – motivated sellers are offering a host of value-added incentives
• Homeownership is the first step toward building wealth
• Interest rates are still historically low, currently hovering around 6.25% as compared to an average of 7.75 percent in 1997 and 10.25 percent in 1987
• Homeownership may qualify you for tax deductions
• Return on investment – Atlanta is a hot commodity!
• Location, location, location – homes are available in a variety of price ranges throughout Atlanta
• Homebuyers have more housing choices than ever before

Despite the negative press in recent months, realize that all real estate is local and what is happening in other areas in the United States does not necessarily reflect your local housing market. As a matter of fact, prices can vary from neighborhood to neighborhood. This buyer’s market will not last forever. Cash in now on the opportunity to own a home here in the Greater Atlanta Area.

Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Cumming Ga Forsyth Co Ga area we are your agents.
Search for a Cumming Ga Home. We know Cumming Forsyth Co Ga.

Forsyth County Ga 2nd Most Conservative

2010-03-29T06:04:00.000-07:00

Forsyth County, was just ranked Georgia's most conservative and the second most conservative friendly county in America. The study was conducted by the Daily Caller a news site co-founded by print and broadcast media veteran Tucker Carlson.

The criteria:

* How counties have voted in the past two presidential elections
* Median household income, factoring in cost of living
* Home ownership percentage
* Married family percentage
* Civilian veteran percentage
* State unionization laws, whether a right-to-work state or mandatory union state
* State tax burden–state income taxes, factoring in available deductions
* State concealed weapons laws, ease of carrying weapon legally
* State weekly religious attendance, as measured by Pew
* State abortion laws, as measured by Americans United for Life
* Intangibles, such things as a long conservative history, an ingrained military
culture, prominent right-wing politicians

Read more: http://dailycaller.com/2010/03/19/americas-top-20-conservative-friendly-counties#ixzz0jZNxiQBG

Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Cumming Ga Forsyth Co Ga area were your agent.
Search for a Cumming Ga Home. We know Cumming Forsyth Co Ga.

Sale Statistics for Dawson, Forsyth, Hall, Lumpkin, and North Fulton Counties

2010-03-27T05:59:00.000-07:00

I have been asked by serveral customers and past clients what is going on in the market so here is the information that I pulled together for the month of February. March statistics will soon be out. This information is based on Single Family Detatched Sales for North Metro Atlanta.

Alpharetta, Roswell, Milton (North Fulton County) A total of 151 homes sold with an average of 91 days on the market

Cumming/Forsyth Co Georgia, there where a total of 138 homes sold with an average days on market being 98.

Dawson County who experienced 13 sales

Lumpkin County experienced 12

Hall County sold 83.

It for sure feels like the market in Forsyth County Cumming Georgia is heating along with the weather. With out of town buyers calling, and sellers ready to list their home. Spring has sprouted new business and growth all around town.

Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Cumming Ga Forsyth Co Ga area were your agent.
Search for a Cumming Ga Home. We know Cumming Forsyth Co Ga.

Fun Friday Facts and Events

2010-03-26T07:01:00.000-07:00

Did you know: The words racecar, kayak, and level are the same whether they are spelled left to right or right to left. (palindromes)

Did you know: The Sentence, "The quick brown fox jumps over the lazy dog" uses every letter of the alphabet.

29th Annual Conyers Cherry Blossom Festival
March 27-28, 2010 at the Georgia International Horse Park 10 a.m.-5 p.m. (rain or shine) Check out the website at CHERRY BLOSSOM FESTIVAL for more information

Cabbage Patch Kids are thinking Spring and invite you to come to their new home for the 22nd Annual Easter Eggstravaganza on Saturday, March 27th.on 650 acres in the Georgia Mountains. Check out the website at

Cabbage Patch Kids for more information.

Diana: A Celebtation is going on now at the Atlanta Civic Center Check out the website at Celebrate Diana for more information

Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Cumming Ga Forsyth Co Ga area were your agent.
Search for a Cumming Ga Home. We know Cumming Forsyth Co Ga.

Opportunity Zone

2010-03-25T11:30:00.001-07:00

Business owners need not look further for growth incentive. Forsyth County will be the land of opportunity for many businesses who come or reinvest.

A portion of north Forsyth County has officially been named an Opportunity Zone by the Georgia Department of Community Affairs. The Opportunity

Zone status will encourage redevelopment and revitalization efforts by offering the state’s maximum job tax credit of $3,500 per job. This incentive,

which is available for new or existing businesses that create two or more jobs, can be taken against the business’s income tax liability and state

payroll withholding. In 2009 Forsyth County established a need for growth and revitalization for this part of 400 North and in Decemeber sent an

application to the state requesting approval.

Based on the expanded Opportunity Zone benefits, a business that creates two new jobs and maintains the jobs for five years receives $35,000 in

state tax credits. Large employers that create 58 or more jobs and maintain the jobs for five years qualify for over $1,000,000 in state tax credits.

This is just one of the great reason to LIVE, WORK, and PLAY in Cumming/Forsyth Co. Georgia

Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Cumming Ga Forsyth Co Ga area were your agent.
Search for a Cumming Ga Home. We know Cumming Forsyth Co Ga.

Three Reasons You Must!

2010-03-24T06:06:00.000-07:00

Alright, so its not the first time that its been mentioned, and probably not the last. Yet as time seems to be running out on this current market, hooh-ray, I feel like I should reach out to that one person who perhaps is holding out on purchasing their first home. Here are three excellent reasons you can NOT afford to wait.

1. The Tax Credit - Generation Y or I might say (WHY?) They want to know answers and they are using technology to find them. But most of these ladies and gentlemen have not felt the pinch from UNCLE SCAMMIE, and do not know what a big deal it is to take advantage of this tax credit. Leverage yourselfs because as you rise up through the ranks of your careers, you will be paying more than your fair share of taxes.

2. Historic Low Interest Rates - Thats right kids you could be seeing the lowest of low interest rates in your lifetime. With the economy showing signs of recovery many believe that a sharp increase in rates will follow shortly. An interest rate increase of 1% on a 30-year fixed mortgage of $300,000 could cost a buyer $188 more a month or $67,000 more over the span of the entire loan. That is the cost of your Dream Car!

3. Home Affordability - Can you say optimal level. Chances are that if you wait you will be paying more for your home. As the market stabilizes and inventory of homes decrease a Seller's market will return, higher priced homes and less to bargin with.

Don't wait! Its a big investment that you cannot afford to miss out on.

Take the first step and call me today.

Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Cumming Ga Forsyth Co Ga area were your agent.
Search for a Cumming Ga Home. We know Cumming Forsyth Co Ga.

Shop Today and Proceeds Will Go To Habitat of Humanity

2010-03-23T06:04:00.000-07:00

I had the experience to do first day build for Habitat for Humanity. I must say it was one of the most rewarding opportunities in my life. So naturally when I saw this information I am about to share with you, I had to blog.

Shop today only at the Harrys Farmers Market off of Upper Hembree Rd, and 5% of the proceeds will go to North Central Georgia's Habitat for Humanity.

This is a great opportunity to invest in the communities around us and help an eager and ready family have their own American Dream.

In addition to this great service. Harry's is offering two education classes.

The first class, "Greening the Environment" is scheduled at noon on March 24 and will be facilitated by Laura Aikens. The city of Roswell is going green through responsible development and green building practices and plans to grow into a healthier and even more desirable place to live and work. Aikens, Roswell's Environmental Education specialist, will review ways of using resources to produce a more healthy and safe environment.

"Home Purchases & Closings: Did You Know?" will be offered at 6:30 p.m. on March 24 and will be facilitated by Russ Hayes. As an attorney and former general counsel for Morrison Homes and currently chief executive officer of Habitat for Humanity - North Central Georgia, Hayes will discuss the process for purchasing a home and review the many documents related to home closings such as the purchase contract, Truth-in-Lending statement, security deed and much more.

So go out to Harry's today and give back and learn a little in the process.

Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Cumming Ga Forsyth Co Ga area were your agent.
Search for a Cumming Ga Home. We know Cumming Forsyth Co Ga.

Gladiators a Success

2010-03-21T08:23:00.000-07:00

What a great success last night was at the Gwinnett Gladiators Game against Trenton.

The Gladiators scored three goals in the first 10 minutes of the third to break the game open and held on for a 6-4 win over the Trenton Devils

in front of more than 7,100 at the Arena at Gwinnett Center. It was great seeing a win for our home team but even better seeing our daughter and

her elementary school chorus sing Oh Cananda. They were terrific to say the least! The school also raised over a thousand dollars toward their

music program. It was a awesome night and a ever lasting memory in the minds of our children.

This truely is one of the best places to enrich a childs life. Congratulations Daves Creek Chorus and Gwinnett Gladiators.

Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Cumming Ga Forsyth Co Ga area were your agent.
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Sunny Saturday Don't Forget

2010-03-20T05:31:00.000-07:00

Gorgeous Saturday in Cumming Georgia. Hope it is the same where ever you may be!

Those who purchased a house during 2009 and were living there on January 1, 2010, are eligible for lower property taxes by filing for Homestead Exemption before April 1. Residents age 65 or older in 2009 are also eligible for other property tax savings.

You must file before April 1 to receive these benefits. When applying, present the following documentation: a driver's license (if you drive), a copy of a recorded warranty deed, and a letter from the county where you lived prior to moving to Forsyth County stating the homestead has been removed.

Where to file:
Forsyth County Tax Assessor's Office
Forsyth County Administration Building
110 E. Main Street, Suite 260, Cumming
770.781.2106
Monday through Friday, 8:30 a.m. to 5 p.m.

Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Cumming Ga Forsyth Co Ga area were your agent.
Search for a Cumming Ga Home. We know Cumming Forsyth Co Ga.

On Your Mark, Get Ready, Set, Go

2010-03-19T05:38:00.000-07:00

Online registration begins Sunday March 21st, for the 41st annual Peachtree Road Race. The race is a time honored 4th of July tradition for a lot of families.

Perhaps the real race is when more than 75,000 people try to register for one of 55,000 spots. The Peachtree Road Race was until recently

the world's largest 10 kilometer race a title it has held since the late 1970s. The Race's registration of 55,000 was surpassed in April 2008 by the

Vancouver Sun Run which had over 59,000 registrants (although the Sun Run is two races, a 10k and a 2.5k; the Peachtree has just one). Another

fun aspect and probably the most popular, is the official race t-shirt. In the early years only limited amounts of shirts were available. Each year is a

different design that is chosen through a contest sponsored by the Atlanta Journal-Constitution newspaper. The shirts are only available to those who

finish the race and have become a status symbol among Atlanta culture.

Applicants for the race can register at ajc.com/peachtree. The traditional print application will run in the AJC on Sunday, March 28.

Running out of reasons to not sell or buy a home in Cumming/Forsyth Co Ga. Trust your local real estate experts.

Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Cumming Ga Forsyth Co Ga area were your agent.
Search for a Cumming Ga Home. We know Cumming Forsyth Co Ga.

What about the Unwanted Stuff?

2010-03-18T05:25:00.001-07:00

Well spring time is upon us perhaps you are thinking of selling your home. One of the most important things you can do before listing is to confront your basements and or closets and purge. So what do you do with all of that unwanted stuff. Well here are a few suggestions to help free your soul and your home. Perhaps making a little cash along the way.

On line trading sites: Craigslist, Ebay, and Facebook. Yes facebook! Post a virtual garage sale. Make a photo album of the items you wish to sell. Alert your friends and family and ask them to alert their friends as well.

Resale stores: I always love the concept of recycle. I also love to buy and sell local. Keeping the revenue within the community. So here are a few local stores that are happy to swap you cash for your goods. Out of the Closet, My Secret Closet, Trendy Trades, Jodi's Closet, and Kid to Kid.

Gift to Charities: Gift your items away and receive a tax deduction. These places are always in need of items. Think of how good you will feel knowing that you are making a difference in the lives of others by gifting things you no longer need or want. Goodwill, The Place, and The Family Haven Women's Shelter.

Still feeling overwhelmed. Ask about our professional stager service. Our stagers can help you minimize declutter while maximizing on $.

Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Cumming Ga Forsyth Co Ga area were your agent.
Search for a Cumming Ga Home. We know Cumming Forsyth Co Ga.

Using your Self Directed IRA to Purchase Investment Property

2010-03-17T06:12:00.000-07:00

Section 408 of the Internal Revenue Code permits individuals to use a self-directed IRA to purchase real estate investments such as commercial property, condominiums, residential property, international real estate, mortgages, trust deeds, real estate contracts, private placements, limited partnerships, limited liability company's (LLC's), and many other types of investments with retirement funds held in many common forms of IRAs, including 401k's, Traditional IRA, Roth IRA, and Simplified Employee Pension Plan or SEP-IRA. (see IRS Publication 590 Individual Retirement Arrangements).

I am not and I repeat not a tax advisor or CPA so always consult with yours to understand all the benefits to this program. The low down is that you can write a check directly from your self directed IRA to purchase a piece of property. All rents and returns from that property are made payable back to the IRA. Generating money that is tax deffered.

If you purchase, using your self directed IRA, a distressed home maybe a foreclosure on the courthouse steps or a real estated owned bank property you have saved $$ from the top. Depending on the condition of the home you may also have to add money in renovations. But since you have purchased the home for cents on the dollar you should see an increase in value within 5 years. (This could be affected by certain elements such as location. Its always important to consult your realtor when purchasing investment property. He/she can help locate investments and understand the ever so changing closing documents.)

Its your money make it work for you.

Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Cumming Ga Forsyth Co Ga area were your agent.
Search for a Cumming Ga Home. We know Cumming Forsyth Co Ga.

Understanding a Home Warranty

2010-03-16T08:49:00.000-07:00

Many buyers and sellers do not understand how beneficial and affordable a home warranty can be.

If you are selling your home, a warranty can be placed on the home at the time of listing for no charge.

Its a great way to minimize the risk of cost and delays following a buyers inspection. It can also give you a

competitive advantage against other homes on the market.

If your a buyer, its a no brainer. You are protecting probably your most expensive investment while saving

yourself unforseen repairs.

With a reputable home warranty company no more searching the yellow pages for a a contractor you can

trust. All contractors are pre-screened and certified.

If you sell your home through us we will pay for a one year home warranty for you. Contact us about the

details of this offer.

Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Cumming Ga Forsyth Co Ga area were your agent.
Search for a Cumming Ga Home. We know Cumming Forsyth Co Ga.

Forbes Magazine Again!

2010-03-15T06:42:00.001-07:00

Has Forsyth County Cumming Georgia found its name permanently on the list of Forbes Magazine?

We certainly think so. Forbes recently released their top 25 richest counties and Forsyth was named #20. Forsyth is the only county in the state of Georgia to make this list and was also one of only two named counties in the southeast.

In 2008 Forbes named Forsyth County Georgia the 13th richest county in the country and also the same year ranked Forsyth second on its list of best places to get ahead.

Forsyth County Cumming Georgia has big city industries, beautiful housing, and great schools. If you are living in the South, why live anywhere else?

Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Cumming Ga Forsyth Co Ga area were your agent. Search for a Cumming Ga Home. We know Cumming Forsyth Co Ga.

Great Deals Today!

2010-03-14T06:05:00.000-07:00

Save 80% on Restaurant.com gift certificates

Restaurant.com gift certificates price has dropped 80% Inevitably, the price drops 80 percent now is the time to buy. The $25 gift certificates are $2 using promo code BITE.

National “Pi” Day

Today is National Pi Day. You remember the 3.14159265 etc, etc , etc. In honor Morton's Steakhouse is offering their delicious slice of key lime pie for $3.14 for a slice. Now thats a number we can all understand. It’s usually a $10 delight 5 p.m.-10 p.m.

Discount on “Curious George”

Save $3 on tickets for Curious George, playing at the Fox Theatre April 1-4? Just use the promo code MUSEUM when purchasing by phone, online or at the Fox Theatre box office (your best bet to eliminate extra fees).

Thrashers Youth Sports Day

Kids 12 are free! Free admission that is to the Sunday, March 14 Atlanta Thrashers game against Phoenix with the purchase of an adult ticket.
Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Cumming Ga Forsyth Co Ga area were your agent. Search for a Cumming Ga Home. We know Cumming Forsyth Co Ga.

Spring Atlanta Home Show

2010-03-13T06:39:00.000-08:00

On the heels of yesterdays post regarding remodel home improvement, I discovered that the Spring Atlanta Home show is just around the corner. March 19-21 at the Atlanta Cobb Galleria Center experts will bring new and old ideas to prospective home owner builders and remodelers.

Show hours are Friday and Saturday from 10 a.m. – 8 p.m. and Sunday from noon – 6 p.m. Adult tickets are $10. Children 12 and under and adults 65 and over are admitted for free. Two-day passes are available for $15. Discount coupons are available through the website or the Show’s Facebook page. Tickets purchased online will include a one-year subscription to Better Homes & Gardens magazine. On-site parking is free. The Show’s 24-hour information line is 770/798-1997.

Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Cumming Ga Forsyth Co Ga area were your agent. Search for a Cumming Ga Home. We know Cumming Forsyth Co Ga.

See a clip from the 2008 show.

Remodel Vs Sell

2010-03-12T06:25:00.000-08:00

Just recently an article was published in the Wall Street Journal, about families choosing to remodel their exsisting home instead of purchasing a new one. I think it is a splendid idea. At some point all homes need a renovation. They simply become out dated and no longer functional. My belief has always been that you cannot just move into a home, stay there for seven to ten years and never touch a light fixture or door knob. Upgrades and remodels are key to an ever changing real estate market. Without the changes, homeowners are setting themselves up for last place and often times less money. We all as buyers want more bang for our buck. Here are a few simple solutions for changes in your home. They will make you feel better about the space you live and if you ever have to sell, it will be more appealing to buyers.

Cabinets and doors - A good cleaning can sometimes be all that your cabinets need. You may also apply Watco danish oil or another oil based product. Use the oil to buff and shine the cabinets. Change the hardware. ( For those of you who do not know brass is no longer in style)

Walls - clean your walls with a water and soft soap solution. Walls get dusty too. Repaint with neutral tones. ( This does not mean beige) Add trim. Trim is very inexpensive in the Cumming Forsyth Co Ga area.Most trim projects can be completed in a weekend.

Light Fixtures, Shower and Sink Fixtures - Plastic knobs went out decades ago and so did brass. Make the changes here its almost always a must.

Tile - We have tackeled this many times in homes we have lived in. Its a medium expense project that can transform a room in a weekend. Also can make an area look very expensive.

Appliances - More costly out of all the items on this list, but most appliances opperate about 11-12 years. Be prepared to make this change before you list a home. Buyers do not want your hand me downs.

Remember a good real estate agent not only sells homes but has an extensive list of qualified individuals to help you complete any remodel. Looking to do a project? Ask us!

Its a great time to buy a Cumming Ga Home. If you are looking to sell or buy in the Cumming Ga Forsyth Co Ga area were your agent. Search for a Cumming Ga Home.

Daylight Savings in Cumming Forsyth Co Ga

2010-03-11T06:57:00.000-08:00

Dont' for get to set your clocks ahead one hour Sunday morning at 2:00 am. Daylight Savings Time Springs Forward!

Some might asked how did this concept begin and why? It is found that the practice dates back to as far as 18th Century Rome.

However our own Benjamin Franklin author of the proverb "Early to bed, early to rise, makes us healthy, wealthy, and wise, suggest to the Parisians that they should economize on the concept because people would buy more candles to use in their early morning business.

Modern DST was proposed in 1895 by George Vernon Hudson a New Zealand entomologist and has taken on different forms through out the world.

Daylight Savings in the United States was first observed in 1918. Most areas of the United States currently observe daylight saving time, with the exceptions being the states of Arizona and Hawaii along with the territories of Puerto Rico, American Samoa, Guam, and the Northern Mariana Islands.

By the Energy Policy Act of 2005, daylight saving time (DST) was extended in the United States in 2007. DST starts on the second Sunday of March, which is three or four weeks earlier than in the past, and it ends on the first Sunday of November, one week later than in years past. This change resulted in a new DST period that is four weeks (five in years when March has five Sundays) longer than in previous years.

Its good for business and good for pleasure. Extending the summer hours to encourage us to make the most of our day.

We take advantage of every drop of sunshine we get here in the Cumming/Forsyth County Ga market. From watching the sun set on our docks, to late Tee times on the course. There are plenty of things to do or not do by simply enjoying another beautiful spring/summer in the south.

Its a great time to buy a Cumming Ga Home. If you are in the market to buy or sell a Cumming Ga home, We sell. Call or text 678-491-0794. Search for a Cumming Ga Home WE KNOW OUR AREA.

Sales Grow for Craft Brewer's of Georgia

2010-03-10T11:23:00.000-08:00

We know Cumming/Forsyth Co Ga real estate like connoisseurs know great beer.

Craft brewer sales grow 7 percent in a year of decreased beer sales for other brewers

The Brewers Association, today released 2009 production statistics data on the U.S. craft brewing industry. In a year when other brewers saw a slowdown in sales, small and independent craft brewers saw sales dollars increase 10.3 percent and volume increase 7.2 percent2 over 2008, representing a growth of 613,992 barrels equal to roughly 8.5 million cases.

The total number of brewers also grew from 1485 in 2008 to 1542 in 2009. Georgians also have an increasing appreciation for craft bears. With seven of our very own independent craft brewers right here in the Atlanta Metro/North Ga Mountains around the corner from Cumming/Forsyth Co Ga.

5 Seasons Brewing (3 locations)

Atlanta Brewing

The Cannon Brew Pub

Copper Creek Brewing Co.

Dahlonega Brewing Co.

Gordon Biersch Brewery (2 Locations)

Max Lagers American Grille and Brewery

Moon River Brew Co.

Park Tavern Brewery

Sweetwater Brewing Co.

Georgia Terrapin Beer Co.

Twains Billards and Taps

For more information about the Brewer’s Association and events log on to:

BREWERS ASSOCIATION

Its a great time to buy a Cumming Ga Home. If you are in the market to buy or sell a Cumming Ga home, We sell. Call or text 678-491-0794. Search for a Cumming Ga Home WE KNOW OUR AREA.

TAKE THE TOUR OF SWEETWATER BREWING CO.

A Few Good Things

2010-03-09T05:32:00.000-08:00

Peace.... is seeing a sunset and then knowing who to thank.

A few upcoming events for the Cumming/Forsyth Co Ga area:

The Sawnee Mountain Chapter of the National Wild Turkey Federation Invites you to the 12th Annual Banquet

March 9, 2010 - 6:00pm

12th Annual Sawnee Mountain Chapter of the National Wild Turkey Federation Banquet on Tuesday March 9, 2010. Doors will open at 6:00pm at the Lakewood 400 Antiques Market, 1321 Atlanta Hwy , Cumming , GA 30040 . Please make plans to join us for our Silent and Live Auctions. Auctions this year include an African Safari, a Lake Lanier fishing trip and Deer and Elk Hunts in Canada . There will also be Wildlife art by Tomas Kinkade, Terry Redlin, Dave Barnhouse.

LEARN ABOUT ENERGY

March 13, 2010 - 1:00pm

Learn all about energy. Learn what it is, what it does, where it comes from and more at Sawnee Mountain Preserve Visitor Center (SMPVC). The Forsyth County Parks and Recreation’s Outdoor Division will host an energy presentation for children in kindergarten through fifth grade. Activity 269120-A: Saturday, March 13, 1 to 2 p.m., $6 for county residents and $7.20 for non-county residents...

Shamrockin’ for a Cure Ramps up for 2010 at Verizon Wireless Amphitheater

March 13, 2010 - 7:00pm

The quest for a cure continues March 13, 2010, with a party to raise funds for the Cystic Fibrosis Foundation. Eat, Drink, and Cure CF. The Shamrockin’ hosts promise they will get you in the mood to party with your friends for St. Patrick’s Day on March 13, 2010. The upcoming Second Annual Shamrockin’ For A Cure will be only the second private event ever held at Verizon Wireless Amphitheater at Encore Park.

If you are in the market to buy or sell your Cumming Ga home, We sell. Call or text 678-491-0794. Its a great time to by a cumming ga home. Search for a Cumming Ga Home

There Is STIll Time

2010-03-08T07:10:00.000-08:00

If you are in the market to buy or sell your Cumming Ga home, We sell. Call or text 678-491-0794. Its a great time to by a cumming ga home. Search for a Cumming Ga Home

Want to cash in on the tax credit? There are still great buys available. Although, I

must say that in the Cumming/Forsyth Co Ga market spring has sprung! Sellers are

preparing their homes for this this HOT Lanta spring summer market. Buyers should not

wait to get the best of the best homes available. First time buyers should be aware

that FHA restrictions increase on April 5th which includes a higher up front mortgage

insurance premium. Rates are still at a historic low and homes in Forsyth are the most

affordable seen in sometime. Contact us today to learn more about owning your first or

next home in the Cumming/Forsyth Co Ga area.

If you are in the market to buy or sell your Cumming Ga home, We sell. Call or text 678-491-0794. Its a great time to by a cumming ga home. Search for a Cumming Ga Home

2010-03-05T06:49:00.000-08:00

Cumming/Forsyth Co Ga Fast Facts (edit/delete)

ITS A GREAT TIME TO BUY A CUMMING GA HOME! SEARCH FOR A CUMMING GA HOME

Forsyth County : Fast Facts

Population

2008 - 180,000

2012 - 217,000

Household Income

$119,980

National Average $48,000

Unemployment Rate

Less than 6.5%

National Average 5.5%

Millage Rate

2007 – 22.528 (One mill is equal to $1 per $1000 of the assessed value)

*Among the lowest of any county in Metro Atlanta

Forsyth County School System is consistently in the top five school systems in Georgia for CRCT scores and SAT scores. They are also a nationally recognized leader of the use of technology in the classroom.

Home to 30 International Companies (15 have located their North American corporate headquarters in Forsyth County)

2nd Best Place in America to “Get Ahead” (Forbes Magazine – 2008)

One of the 10 Fastest Growing Communities in the Nation Since 1995 (U.S. Census)

One of the 5 Fastest Growing Communities for Job Growth (CNN/Money.Com, 2005)

13 Wealthiest County in the Nation – 2nd Wealthiest in Georgia

(Forbes Magazine, 2008)

If you are in the market to buy or sell your Cumming Ga home, We sell. Call or text 678-491-0794. Its a great time to by a cumming ga home. Search for a Cumming Ga Home

BOULDER DASH 5K Cumming/Forsyth Co Ga

2010-03-04T06:32:00.000-08:00

ITS A GREAT TIME TO BUY A CUMMING GA HOME! SEARCH FOR A CUMMING GA HOME

Runners and walkers will be challenged by the environment as they make their way through a quarry in Cumming, Georgia, May 1, 2010 at 9:00 a.m.

Organized by the Healthcare Association of Forsyth County, an initiative of the Cumming-Forsyth County Chamber of Commerce, the course for Boulder Dash 2010, 5K Run/Walk, will wind its way into Lafarge Aggregates and Concrete quarry. Proceeds benefit the Forsyth County Parks and Recreation and the “Envision a Fit Forsyth” program.

“As one of only two races in the United States that take place in a quarry, this is a unique experience that allows participants to race or walk through operational hard rock quarry. Racers will be able to see the natural surroundings, ancient rock deposits, and the equipment that processes it.

The race will begin at Northside Hospital-Forsyth and will continue into the quarry. At the finish line, Lafarge will also host a Spring Fling inside the quarry property with live music, food, and beverage. Race participants can unwind and celebrate their acheivement.

This event is open to runners and walkers across the state. Registration for the event is online at www.BoulderDash5k.com. For more information or to become a sponsor, contact the Chamber at cfccoc@cummingforsythchamber.org.

So lace up your running shoes and lets have a "BLAST" in the Quarry! SEARCH FOR A CUMMING GA HOME

Forsyth County Promotes EPA’S Fix a Leak Week March 15-21, 2010

2010-03-03T10:09:00.000-08:00

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Minor water leaks account for more than one trillion gallons of water wasted each year in U.S. homes. That is why the Forsyth County Water and Sewer Department is promoting Fix a Leak Week March 15 through 21, 2010. Fix a Leak Week is sponsored by the U.S. Environmental Protection Agency’s (EPA’s) WaterSense® program as an annual reminder to Americans to check household plumbing fixtures and irrigation systems for leaks.

To help consumers here in Forsyth County save water, the Forsyth County Water and Sewer Department and WaterSense are promoting ways to identify and repair dripping faucets, running toilets, and leaky showerheads. In most cases, fixture replacement parts pay for themselves quickly and can be installed by do-it-yourselfers, your favorite handy person, plumber or WaterSense irrigation partner. The following are a few water-saving tips:

�� Reduce faucet leaks by checking faucet washers and gaskets for wear and, if necessary, replace the faucet with a WaterSense-labeled model.

�� Leaky toilets are most often the result of a worn toilet flapper. Replacing the rubber flapper is a quick fix that could save a home with a constantly running toilet up to 200 gallons of water per day.

�� For a leaky garden hose, replace the nylon or rubber hose washer and ensure a tight connection to the spigot using pipe tape and a wrench.

�� Landscape irrigation systems should be checked each spring before use to make sure they are not damaged by frost or freezing.

If homeowners have to replace a plumbing fixture, Forsyth County reminds them to look for the WaterSense label. WaterSense-labeled toilets, faucets, and (soon) showerheads have been independently tested and certified to save water and perform as well as or better than standard models. WaterSense also partners with certified landscape irrigation auditors, designers, installers and maintenance professionals. Visit www.epa.gov/watersense to find a WaterSense labeled product or an irrigation partner in your area.

Another step Forsyth County Water and Sewer Department has taken to promote water efficiency is through participation in the Metropolitan North Georgia Water Planning District’s toilet rebate program. The program is designed as an incentive for Forsyth County Water and Sewer Department customers to replace older, inefficient toilets. For additional details about the toilet rebate program, visit www.forsythco.com or
www.northgeorgiawater.org/toiletrebate. Courtesy of Hometown Times

For more information on Fix a Leak Week, visit www.epa.gov/watersense

If you are in the market to buy or sell your Cumming Ga home, We sell. Call or text 678-491-0794. Its a great time to by a cumming ga home. Search for a Cumming Ga Home

Unveiled a Plan to Bring in International Business to Cumming/Forsyth Co Ga

2010-03-02T05:09:00.000-08:00

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In an effort to move forward in this dreary economic climate the Cumming-Forsyth County Chamber of Commerce is attempting to encourage more European industries to come to Forsyth County.

The Chamber held an Economic Development meeting February 25, where Consul General Lutz Gorgens of the Consulate General of the Federal Republic of Germany was the keynote speaker.

He spoke about German business in the Southeast and in Forsyth County. “Over the last twenty years the Southeast is a primary region for German business,” he explained.

He gave five reasons as to why the Southeast and the Atlanta area in particular were especially inviting for German industries.

* Infrastructure or the physical nature of the region
* Closeness to other leading industries as well as the closeness to home in respects to Hartsfield airport
* The quality of life and the quality of the people in the region
* The business climate and the actual mild weather climate
* The great German culture network

He then talked about the importance of the Trans Atlantic business. He stated some trade comparisons numbers with the German – US trade. “The German – US trade makes up 35% of all world trade, Germany has 13% of all foreign jobs created in the US, and over 10 million e-mails are sent across the Atlantic everyday,” he explained.

He ended with a little marketing for German industries. He said, “Germany has the largest economy in Europe and is very strong in ventures such as mechanical engineering, automobile manufacturing, and aerospace, to name a few.”

He will be helping Forsyth County attract German business.

Brian Dill of the Chamber explained that there are two sectors in which they think Forsyth County will be able to attract these foreign companies. The Healthcare Technology Industry and the Environmental Technology Industry are the two areas in which they will focus on promoting foreign business.

He believes this venture will bring more job opportunities and economic growth to this community. The Chamber will be acquiring a European company list that involves the above mentioned sectors and then will be calling them to begin talks about moving a section of their business to Forsyth County.

Forsyth County currently has 31 international companies. Story Courtousy of Christopher Light.

It's a great time to buy a Cumming Ga home. Whether you're a first-time home buyer or not, we would love to walk you through this process. If

you are in the market to buy or sell your Cumming Ga home, We sell. Call or text 678-491-0794. Its a great time to by a cumming ga home. Search for a Cumming Ga Home

Forsyth Is A Healthy Place to Live

2010-03-01T01:02:00.000-08:00

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According to a recent national study, by the University of Wisconsin's Population Health Institute, Forsyth ranked third in overall health among

counties in Georgia. Trailing only Fayette and Oconee Counties, Forsyth Co. fared better in nearly every category than state statistcs.

The study, looked at more than 3,000 counties in all 50 states, measuring them in health and longevity. Using five measures to account for overall

health including the rate of people dying before age 75 and low birth weight rate. Also considered were the number of days people said they were in

poor physical or mental health.

Forsyth ranks second in the state for healthy influences. These consist of health behaviors, clinical care, physical environment and social and

economic factors.

People who live in healthier counties tend to have higher education levels, are more likely to be employed, have access to more healthcare providers

and have more access to healthier foods, parks and recreational facilities, according to a report on the rank of overall health of every county in the

U.S. from the University of Wisconsin’s Population Health Institute and the Robert Wood Johnson Foundation (RWJF)

The things that make Forsyth County great are the very things that are inspire people to care about themselves and that care about one another

Things like the Big Creek Greenway, Sawnee Mountain, and Lake Lanier.

It's a great time to buy a home in Cumming Ga. Whether you're a first-time home buyer or not, we would love to walk you through this process. If

you are in the market to buy or sell your home in Cumming Ga area. I sell homes Cumming Ga. Call or text 678-491-0794.

Search HOMES CUMMING GA now.

Forsyth County Master Gardener Plant Sale (Cumminghome - Forsyth County's News)

2010-02-26T16:06:00.000-08:00

Forsyth County Master Gardeners will hold their Annual Spring Plant Sale on Saturday, May 1 from 10am-4pm, offering high-quality garden plants grown expressly for the sale. Look for heirloom tomatoes, perennials with colorful foliage, a wide assortment of culinary herbs, blooming annual baskets for Mother’s Day, assorted vegetable plants, daylilies, and more. The location for this annual sale will be at The Avenue Forsyth, in the lot between Furniture Express and Hwy. 141. The exit off GA 400 is Exit 13, Bethelview Road and Hwy. 141.

The Master Gardeners will also be standing by to answer any and all of your gardening questions.

Funds from the sale are used to provide the educational programs offered throughout the year and to maintain the gardens at the Forsyth County Public Library’s three branches (Cumming, Sharon Forks and Hampton ), and the Louise Mashburn Native Plant Garden at Sawnee Mountain Preserve, among others.

Forsyth County Master Gardeners are energetic, hard-working volunteers who have completed the Georgia Master Gardeners course series offered each year through the University of Georgia by the Forsyth County Extension Office.

For more information, please contact the Forsyth County Extension Office at 770-887-2418. Courtesy of Forsyth County Hometown Times

It's a great time to buy a home in Cumming Ga. Whether you're a first-time home buyer or not, we would love to walk you through this process. If you are in the market to buy or sell your home in Cumming Ga area. I sell homes Cumming Ga. Call or text 678-491-0794.

Pam Chapman
Forsyth County Ga/Cumming Ga

What I Aspire to! The Big Why!

2010-02-25T06:50:00.000-08:00

I want to write this post today in appreciation for all the information I received this past week at the Keller Williams Realty convention in New Orleans.

The confirmation is clear, that us as agents have spent the past year in a revolution.

We all know that the economy has changed but more so the face of real estate. Through all the for-closures, short sales, and market price adjustments KW agents have shifted. We have implemented resourcefulness, unity, and commitment to do the right thing. No other company has demonstrated culture and commitment for making a difference in the life of others and the communities in which they live, like KW has.

You see its not the brand that makes us important. Its the heart and soul of the agents that dedicate their lives everyday to to helping others around them. Its maximizing the possibilities of the 86,400 seconds in the day.

I love my community, I love the people, the choices that we have, and potential that we will grow to here in Forsyth County Ga over the next 10 years. I believe in it and I know that I will have a part in our success. Because it is what I aspire to and what I am willing to chase after everyday.

It's a great time to buy a home in Cumming Ga. Whether you're a first-time home buyer or not, we would love to walk you through this process. If you are in the market to buy or sell your home in Cumming Ga area. I sell homes Cumming Ga. Call or text 678-491-0794.

Diving Right In

2010-02-19T06:08:00.000-08:00

Tuesday bids were awarded and work at the site off Pilgrim Mil will soon begin on the new aquatic center.

The plans for the aquatic center include two pools. One of the pools being Olympic sized 50 meter competition pool. The other will have a therapeutic pool area tied in with a regular pool for swim lessons. Also the center will feature a kiddie pool plus a lazy rivers spray and mushroom area outside.

Once the construction begins it will take around 18 months to complete.

It's a great time to buy a home in Cumming Ga. Whether you're a first-time home buyer or not, we would love to walk you through this process. If you are in the market to buy or sell your home in Cumming Ga area. I sell homes Cumming Ga. Call or text 678-491-0794. www.sellinggeorgia.com

First, Fastest, Strongest

2010-02-18T05:53:00.000-08:00

The annual Native Intelligence economic report came out this week. Unveiled on Tuesday by creator Frank Norton Jr., at the Forsyth County Cumming Ga Chamber of Commerce meeting.

The economic report produced evidence that Forsyth Co. Cumming Ga is recovering from the economic downturn first, fastest, and the strongest.

Property in Forsyth Co. is selling faster and taditional businesses are returning to the county in confidence. Just like the four new retail shops I mentioned at The Avenues of of Forsyth in a previous blog.

Come one come all. There is room to grow. Norton also said that the area is under-retailed as a community. In his opinion by 50%. Which brings ample opportunity for retail business owners to get ahead.

Of course the key to maintaining this success is to buy local. In my opinion I think we will come out of this ahead of everyone else. I think house prices will rebound here first. We are seeing a movement in the higher end market that we have not seen in some time. Buyers are taking advantage of the sale. Everything that has come down will go up and we will be a richer community for it.

It's a great time to buy a home in Cumming Ga. Whether you're a first-time home buyer or not, we would love to walk you through this process. If you are in the market to buy or sell your home in Cumming Ga area. I sell homes Cumming Ga. Call or text 678-491-0794. www.sellinggeorgia.com

No Lights on at Home

2010-02-17T12:02:00.000-08:00

Its like being on a bad game show, opening the envelope and knowing its a lose lose situation. Last month opening our electric bill could have sent me into cardiac arrest. It was the highest our bill had ever been. Lets just say it was double the normal rate. I am a practical person by nature. I never leave lights on throughout the house and most of the time during day light hours we never use them anyway. I had even purchased and began to use an energy efficient washing machine. We also use gas heat to spare the heat pump system. I unplug everything that is not in use because I understand that items pull energy even when turned off. We called the electrical company and they had experienced a high call volume regarding this issue. While there is some explanation of an increase due to a wholesale power cost adjustment. The remaining is a mystery! Seeing how we do not have much choice in our power source we are forced to pay an unbelievable increase. So to twist the knife in ones wound, inserted in this months electric statement was a somewhat comical helpful hints.

TURNING OFF THE LIGHTS CAN REALLY HELP YOUR BOTTOM DOLLAR:
Are you always looking for ways to save money? This one is a "no brainer."
Start 2010 off right by turning off lights when you do not need them.

OTHERWISE
It's STILL a great time to buy a home in Cumming Ga. Whether you're a first-time home buyer or not, we would love to walk you through this process. If you are in the market to buy or sell your home in Cumming Ga area. I sell homes Cumming Ga. Call or text 678-491-0794. www.sellinggeorgia.com

More Shopping and Dining Forsyth Co / Cumming Ga

2010-02-16T09:57:00.000-08:00

Avenues of Forsyth has four new retailers to add to its growing repertoitre. Omega Diamond Jewelers decided to give Forsyth County a shot after several years in Woodstock. A third generation jeweler.

Giggles for Kids, is a specialty toy store not a franchise were shoppers can find plenty of something specials.

Which Wich a new spin on the traditional sandwich, sure to meet everyones empty stomach needs.

Also, the Picture People. A no cost photo session with pictures printed on the spot.

All of these make a great addition to the Forsyth County Cumming Ga area. The Avenues Forsyth is located at 410 Peachtree Pkwy, Cumming Ga just at the corner of Ga 400 Exit 13. For more information go to the Avenues website: shoptheavenues.com

It's a great time to buy a home in Cumming Ga. Whether you're a first-time home buyer or not, we would love to walk you through this process. If you are in the market to buy or sell your home in Cumming Ga area. I sell homes Cumming Ga. Call or text 678-491-0794. www.sellinggeorgia.com

6 New Forsyth County Schools by 2015?

2010-02-15T10:56:00.000-08:00

Forsyth County Schools recently released new growth expectations. They are predicting nearly 43,000 students by the opening of the 2013-2014 school year. That's approximately 2,157 students entering the Forsyth Co. Cumming Ga school system per year. To accommodate this growth the county will require six new schools.

This information has been gathered to create a new local facilities plan. This plan will be used to explain to the state of Georgia what amount of funding Forsyth County School Systems will need from the state. It is estimated that the Forsyth County School System could receive as much as $36 million in funding due to student growth.

The previous plan that began in June 2006 planned for the opening of nine elementary, four middle and two high schools. Five of these campuses opened this school year and land has been bought for three of the six schools. Kelly Mill elementary, Pooles Mill elementary and East Forsyth High.

Of course it is understandable why so many are flocking to this great county and school system. We are consistently ranked as one of the fastest-growing economies in the nation due to the excellent quality of life our community offers. We have the right geography...less than an hour north of Atlanta and one of the strongest economic engines in the country. We have the right lifestyle attributes...Lake Lanier in our backyard, a world-class parks and recreation system, well-designed green space throughout the community and the right mix of residential, recreational and business to offer just about anything that people or businesses might need or desire. And, we have the right planning and leadership mindset within local government, business leadership and community - a synergy that says to anyone, "Forsyth County is where we need to be!" (Cumming Forsyth County Chamber of Commerce)

It's a great time to buy a home in Cumming Ga. Whether you're a first-time home buyer or not, we would love to walk you through this process. If you are in the market to buy or sell your home in Cumming Ga area. I sell homes Cumming Ga. Call or text 678-491-0794. www.sellinggeorgia.com

Great Advances for Northside Forsyth

2010-02-12T07:52:00.000-08:00

The latest in high quality healty care and advanced technology will arrive soon to Northside Forsyth Hospital. Beginning March 1st, Northside Forsyth will be the first in the county to offer percutaneous coronary interventions. PCI, more commonly known as cardio angioplasty, allows doctors to clear a path in blocked arteries. This procedure is critical for those with clogged arteries and at risk for heart failure. This is great news and a great addition to Forsyth County and surrounding counties. Symbolizing growth economically. In addition to this new service, a second catheterization lab is slated to open at the hospital in May, which will add five new employees.

It's a great time to buy a home in Cumming Ga. Whether you're a first-time home buyer or not, we would love to walk you through this process. If you are in the market to buy or sell your home in Cumming Ga area. I sell homes Cumming Ga. Call or text 678-491-0794. www.sellinggeorgia.com

Renovation Financing

2010-02-10T00:56:00.000-08:00

You have found a great home, but know with a little work it would be even better. Whether its a simple addition or a complete home makeover you can take advantage of a construction/permanent loan. Yes this financing allows you to purchase an existing home and include renovation cost. Based on the home's improvement value after the rehab is complete, there is only one application and one closing saving time and money! Some banks are offering this program with the following:

Fixed rate with interest rate float down or

Adjustable rate with the option to modify

Renovation of existing homes or new purchases, including tear downs

Lock in the interest rate at the start of construction

Primary and Secondary homes eligible

Loan amounts up to $1 million

As always consult your mortgage consultant or loan officer regarding programs. If you do not have a lender we are always happy to provide you with a list of referrals.

It's a great time to buy a home in Georgia, whether you're a first-time home buyer or not, and we would love to walk you through this process. If you are in the market to buy or sell your home in the Cumming Ga area. I sell homes Cumming Ga. Call or text me today: 678-491-0794 http://www.sellinggeorgia.com

COZY UP YOUR HOME

2010-01-25T14:11:00.000-08:00

Feeling a little blah from the weather? Does your home feel even more depressed. I was recently reading an article providing great tips on creating a cozy environment.
Ten Ways to Make Your Home Feel Cozy
Let your home embrace you with warmth

By Susan Carmody
Warm Colors and CandlesWarm colors and candles make you feel cozy inside when the weather turns fierce.
Winter's fierce growl along with short, hectic days beg you to find comfort inside your own home. When you walk through your front door, you just want to feel hugged, don't you?
Here are 10 easy things you can do to make your home feel more cozy and the season's chill seem less mean:
1. Add warm colors
Whether you paint your walls a sun-kissed gold, cover a sofa with a warm-toned slipcover or simply add pillows or a throw blanket in a "hot" shade, you can quickly make a room look brighter and feel cozier with the right color. "Any shade that complements flesh tones is a comforting thing," says interior design expert Jim Rascoe who co-owns Ireko, an upscale design shop located in the San Francisco area's North Bay. "And most of us look and feel better in those shades."
2. Play with texture
Plush upholstery and flannel bedding can provide your home with a soft, relaxing touch. To make texture interesting, Rascoe recommends introducing a variety: Choose a throw blanket with an open weave, such as chenille, for a twill sofa with a tight, smooth weave. "The contrast provides richness and warmth."
Click here to find out more!
3. Illuminate "feel good" objects
Lighting shoos away winter's shadows, but it can also cast our focus on fair-weather days. By placing artful groupings of mementos and photographs beneath a lamp on an end table, you can draw attention to objects you love and memories that warm your heart.
Birdbath ArrangementBird bath – Make it feel green inside with a unique arrangement in a birdbath. (Photo Courtesy of Trillium Flowers and Garden.)
4. Bring the outdoors in
Plants and fresh flowers can breathe life into your home – actually imparting oxygen into the air – and remind you of gentler days. For a unique twist on floral arranging, Tom Bastianon, owner of Trillium Flowers and Gardens in Sonoma County, north of San Francisco, suggests using a small birdbath as your "vase." "People are always looking for pedestals for their large vases," he explains. A birdbath is both. For an elegant wintertime arrangement, set a large candle in the bath's water-filled center, place quince around the candle's base (they provide a mild citrusy scent) and incorporate late-season hydrangeas (they're green) and berry-laden branches. Place in a quiet corner or in a foyer or bathroom.
5. Work on spatial relationships
The sizes and shapes of your furnishings are important – variety adds interest. And this time of year more than any other, how you arrange these pieces is important, too. As a holiday hostess or host, you need to be able to see, talk to and reach your guests. For optimal coziness, says Rascoe, create conversation groupings by moving furnishings closer together – a guest needing to rise to place a mug on a coffee table is a no-no.
6. Get yourself a comfy chair
A large, comfy chair to land in at the end of the day is the ultimate refuge from the cold world. "Choose one with a high back and an inherent sense of softness about the upholstery for visual warmth and comfortable seating," Rascoe recommends. Create the full "chair ensemble" with a standing lamp and end table and set the grouping in an intimate corner.
7. Cover your "ground"
Nothing warms up a bare floor quicker than an area rug. Don't underestimate the visual warmth it provides as well, especially in sunburst tones. Also, the pile in some Indian and Pakistani rugs made using vegetable dyes gives you the option of making them look even "warmer." From one angle, Rascoe explains, the colors look muted and soft, from another, they appear deeper and brighter. Choose the brighter angle for added winter warmth.
Candle DecorationAdd warmth with a few candles. Photo courtesy of Illuminations.
8. Light a candle
This literal spark of warmth works in any dcor and in any room. Added visual warmth and design cachet can be achieved by placing candles in hurricane lamps made of amber-toned glass or in a grouping of holders that look like woven vines.
9. Embrace the season, gently
Holiday-theme floral accents are obvious brighteners but needn't scream Christmas. A Christmassy effect can be achieved by simply adding gold balls to an arrangement of non-holiday blooms and branches, suggests Bastianon. You can also lightly spray small branches and seedpods with a dusting of gold - a nice look even after the tree's down.
10. Alter your senses – with scents
Colorful, multi-textured potpourri – a mixture of scented preserved leaves, nuts, fruit slices, seedpods and pinecones – artfully arranged in a favorite bowl provides a vibrant focal point on a coffee or end table and enlivens a room with a pleasant aroma to lighten spirits and freshen the air. Bastianon prefers the natural aromas of fresh flowers, even the less heady varieties, for their soft, understated scents with the promise of warmer days to come.

Copyright © by Move, Inc.

It's a great time to buy a home in Georgia, whether you're a first-time home buyer or not, and I would love to walk you through this process. If you are in the market to buy or sell your home in the Cumming Ga area. I sell homes Cumming Ga. Call or text me today: 678-491-0794

FHA INCREASES AS PROMISED

2010-01-22T07:51:00.000-08:00

We knew it was coming but unsure of exactly what, FHA has now raised their fees and continues to tighten their lending standards in efforts to shore up debt and prevent taxpayer bailout. We have learned that FHA reserves have fell below minimum federal requirements. Why is this increase so important you might ask. FHA is vital to the housing housing market. Insuring around 30 percent of all new mortgages, it is also the largest backer to first time home buyers. Under the changes home buyers will:

Pay an upfront mortgage insurance premium of 2.25% of the total loan amount, up from the current level of 1.75. So a borrower taking out a $200,000 mortgage will be required to pay $4500 fee instead of $3500.

Buyers will also need a credit score of at least 580 to qualify. But most FHA lenders already require much higher than this.

Will it help, much like the rest of the market only time will tell.

17 Forsyth Co. Schools Win Awards

2010-01-20T07:29:00.000-08:00

Seventeen of Forsyth County's schools have been recognized by the Governor's Office of Student Achievement (GOSA) and State Superintendent Kathy Cox for achievement during the 2008-09 school year.

The schools are being recognized under Georgia's Single Statewide Accountability System (SSAS), which awards schools based on their performance on state curriculum exams and Adequate Yearly Progress (AYP) status.

“Forsyth County Schools has once again set the bar high for excellence in education. We congratulate our 17 award-winning schools for their efforts in promoting high achievement among all students,” said Superintendent L.C. (Buster) Evans. The achievement of all these schools proves that focus on standards combined with extraordinary team efforts result in great performance among our students.”

Time for Tacky Christmas Lights

2009-12-09T10:08:00.000-08:00

Tis the season to load up the car with family to search for those tacky Christmas light displays. This was a favorite tradition of my family. We always traveled the same route year after year and was never disappointed. But now that time has passed and so has some of the faithful homeowners and their displays we go in search for new traditions of lights. Here is a list of some of the best surrounding suburbia North Atlanta.
1. Pettit Creek Farms- 337 Cassville Rd Cartersville
2. Life University - 1269 Barclay Circle, Marietta
3. Lake Lanier Islands- 7000 Holiday Road, Buford
4. Stone Mountain Park - U.S. 78 East, Stone Mountain
5. Tanglewood Farm - 171 Tanglewood Drive, Canton

FHA MInimums to Increase

2009-11-30T05:46:00.000-08:00

Sometimes people must be nudged into action. It appears the Federal Housing Authority is likely to do so. A recent study indicated that the FHA's insurance reserve funds are below mandated levels. Now FHA officials are exploring ways to increase these reserves. How else, but to pass it on to the consumer right? We should not be surprised to see higher minimum down payments . Talks are underway to possibly increase the minimum from the current 3.5% to 5%. Some are saying that 10% is not impossible. Also, do to change is the seller's contribution to borrowers (closing cost, discount points, pre-paid expense, and other financing concessions). Dropping from 6% of the home price to a staggering 2%. Uncertain of exactly what will happen, we know that something for sure will. So now surely may be the time for someone you know to purchase a home. To see cumming homes for sale, suwanee homes for sale, alpharetta homes for sale contact us: Pamela and Brad Chapman your local economist and property agents. www.sellinggeorgia.com 678-341-3421