As a licensed Georgia Realtor with Mountain Investments of North Georgia, I have the opportunity to work on a daily basis with a team of professionals providing an array of services for the home buyer. Take financing for example: I network with several experienced mortgage representatives who can help you make smart financing decisions and get the mortgage that is right for your lifestyle.

Although, I primarily work with second home buyers in my market area of Blue Ridge, I have a great desire to help first time homebuyers too. I believe first time home buyers have been left behind to some degree and they may even feel they are priced out of the North Georgia real estate market but there are possibilities of home ownership that the first time home buyer and even the second home buyer may not know about.

Starting with the second home buyer: Since a second home doesn't have to be financed the same way as a primary home, there are things to consider which could affect the type of mortgage for you, such as:

• The purpose of buying a second home
• What will it be used for - personal use or rent it out
• How long do you plan to keep it - are you planning to keep it until the kids go off to college or will it be your retirement home
• Are you looking for an investment property - check out Mountain Charm below

What about the first time homebuyer?

Maybe you think you cannot qualify for a mortgage and maybe you will be surprised to find out there are many options available to help you.

Okay, you don't have a lot of money to put down on a house, most first time home buyers don't but that may not be a problem. There are many programs available that offer a wide range of possibilities which include conventional loans, government-sponsored loans and specialty loans with easy qualifying standards. Don't let less than perfect credit stop you. Maybe you think you do not have enough income to buy, let's talk because there's a good chance you can get the mortgage you need even in today's financial market. You have nothing to lose and everything to gain. Start building wealth today and stop paying rent. I believe you deserve a chance to have an affordable home of your own and what better time to buy with home prices lower than they have been in years and interest rates still very low.

An experienced mortgage representative may be able to lower your monthly payments, shorten your term and provide better tax advantages. An interest only loan option might lower your payments and help you get the home of your dreams. Interest only loans are not a bad thing and an experienced Mortgage Specialist can explain the pros and cons. A home equity loan on your primary residence for the second home buyer might be a better way. There are lots of options for home buyers and I can put you in touch with the trusted experts who will help you make an informed decision and get a same day loan decision.

Pictured is an excellent starter home for sale just waiting for a first-time homebuyer, retiree who doesn't want a lot of maintenance and would like the convenience of in-town living or the investor who wants a cabin already established with a rental company. This almost new dovetail true log home is "just listed" and priced under $200k. This home is only one of many great properties for sale that just might be the one for you. For more properties, please visit my website: www.move2northgeorgia.net

I work through a network of trusted and experienced professionals from home inspectors, appraisers to mortgage consultants and closing attorneys who are delighted to assist you with your real estate needs. Allow me to take care of you.

Contact me at your convenience via telephone or email if you are interested in North Georgia properties for sale. I am a strong advocate for buyer representation. Buying a home is easier than you think. You won't know until you try.

Check out this beauty "Mountain Charm" excellent second home, cabin rental or retirement in a very private setting but so convenient to amenities. Already established in cabin rental program.

Donna Yates, Georgia Realtor primarily serving the North Georgia Blue Ridge Mountains located in Blue Ridge, Georgia. Donna is dedicated to the real estate profession full-time and is ready to help home buyers nationwide. Donna is an advocate for home buyers and firmly believes buyers need full representation. Contact Donna at 706-633-0644 cell or email donna@ellijay.com Move 2 North Georgia