November 2009

There are 9 blog entries for November 2009.

Why should you get pre-approved for a mortgage? 

Get preapproved for a loan in GAGetting a pre-approval letter gives you substantial leverage. 

Sellers immediately see you as a serious buyer.  Not only will you know the exact price range you can afford, you'll be able to negotiate a better deal and move faster when you see a house you like.   You'll need to supply information to verify your income, credit history, debts and assets. Lender’s will then issue a letter stating that your mortgage is pre-approved for a certain dollar amount. This will also make the job of your realtor easier. That way they won't show you homes that are out of your comfort zone.  

Different lenders have different versions of what a pre-approval means. 

Pre-approval can mean as little as we

7,896 Views, 3 Comments.

Laurel Springs is a gated community located in Suwanee on 630 acres of rolling hills that was once farmland.  

Laurel Spring's 800 homes are mostly traditional, and are set against a country backdrop with abundant natural beauty combined with immaculate landscaping.  Equidistant from both I-85 and GA400, this community is conveniently located yet still feels like a getaway.  The Fulton county location also affords residents an attractive tax rate.

Winner if the "Best Amenities" nod from the Greater Atlanta Homebuilder's Association, Laurel Springs has no shortage of things to do.  

Homes are priced from the $300s to over $1 million and are on large lots for a community of this type (from 1/2 to 1 acre.)  Laurel Springs has five neighborhoods,…
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Vickery, located in Cumming, embodies the concept of "live, work,play."  

This community is practically a town in itself, utilizing mixed use zoning to offer its residents shopping, dining, and recreation just steps from their front doors.  Recognized by the Georgia Homebuilder's Association as "Community of the Year" in 2006, Vickery continues to live up to this golden standard.  With a mix of single family homes, townhomes, and condos, Vickery truly has something for every buyer.  The 600 homes are priced from the $300s to over $1 million.   

Vickery was designed with 75 acres of public greenspace, offering its residents parks, gardens, and fishing ponds to share and enjoy.  

Located within walking distance to a newly built elementary and…
8,555 Views, 2 Comments.

Polo Golf and Country Club is located in Cumming, GA in a beautiful wooded area close to Lake Lanier.  

Only 35 minutes north of I-285 and 2 miles form GA400, Polo feels like it is a world away, yet has a very short commute time to Atlanta. The 1100 homes in Polo are mostly traditional and are priced from the $300s to well over $1 million. Polo Golf and Country club also offers one of the most affordable golf memberships in the metro Atlanta area.  

The private Joe Lee designed golf course is 18 holes and offers its members a two tier driving range and 10,000 square foot putting green to practice on.  

True to its name, Polo is the home to the Atlanta Southeast Polo Club and is host to many polo matches.  Horseback riding and lessons are also…
6,492 Views, 1 Comments.

St Marlo Country Club is one of the premier golf communities in Georgia. 

Located in the newly created city of John's Creek, St Marlo enjoys Fulton county's reasonable taxes and convenient location.  John's Creek is also known for their great public and private schools.  St Marlo is set on over 900 acres of rolling hills and wooded terrain, and is gated with 24 hour manned security.  The homes are mostly traditional and European style, and range from the $600s to over $5 million.  

The 18 hole Denis Griffiths designed championship golf course is the star of St Marlo.  

Recognized by the AJC as one of the top 3 courses in Atlanta and by Golf Digest and one of the top 10 best new courses, St Marlo is a highly sought after playing experience.  The…
4,700 Views, 1 Comments.

  Trilogy Park is located in one of the most desireable areas in Gwinnett County. The homes in the community are well designed traditional homes with floor plans to fit every buyer. You get a feel of an old-fashioned neighborhood where the streets are narrower and the trees shades the sidewalks. It is like living in your own private park. dsc00576_566 The community has lots of great amenities. These amenities include: playground, swimming pool, tennis courts, clubhouse, and picnic tables. You can take a stroll down the sidewalks or toss the ball with your children. The surrounding area has great schools, plenty of shopping and much more. Just minutes from major interstate for an easy commute. Come see what Trilogy Park has for you! dsc00575_566
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Life on the Beach!

Beach properties

The Santa Cruz ocean view real estate market is still one of interest for much the same reasons that Orange Beach real estate is.

It is the soothing and calming effect that the ocean has on our souls, especially in these turbulent times. While the Orange Beach ocean view real estate market is quite a bit different from the Santa Cruz or Rio Del Mar ocean view real estate market, they share a commonality of being more affordable than they have been in years.

Affordability of Beach property:

On the Beach in Alabama

While the higher end is still expensive the asking prices have come down and there is more available to choose from. This leads to better discounts for those looking to buy. The better supply on the lower

2,717 Views, 2 Comments.

GA Foreclosures and Bank Owned Properties 

The NorthGaLife.com Team (formerly the Laura Allen Team) has totally revinvented its web presence to streamline and expand your searching abilities. We hope that you will drop by and check us out!

There has lately been quite a lot of interest in distressed properties, foreclosures and bank owned properties.

If you seek those type buying opportunities, we have set up two special pages specifically for those property types. Check them out below and let us know if there are any you would like to tour.

You can find foreclosures for Hall, Dawson, Forsyth, Gwinnett, and Jackson Counties including foreclosures in Gainesville, Oakwood, Flowery Branch, Braselton, Buford, Cumming, and Dawsonville, GA.

  • Northeast

2,927 Views, 1 Comments.

A Primer on Government Mortgage Programs

Government mortgage programs are often overlooked by both home buyers and mortgage professionals because of the stigma of having too much red tape. Today this sentiment is fading because other financing options are drying up and home buyers are part of an enevitable "flight to quality." Below is a short primer on each type of the governemts there most popular loan types--USDA, FHA, and VA mortgages.

FHA Loan Program

Federal Housing Administration Loans, commonly called an FHA Mortgage, are geared toward middle income and first time home buyers. FHA loans are made my normal mortgage lenders but given a favorable guarantee from the FHA so the lender gets paid back a portion of the loan amount should the

1,793 Views, 2 Comments.