real estate: Understanding Escrow When Financing a Home Purchase - 09/03/14 04:00 AM
Understanding Escrow Accounts

real estate: Finally, Good News on the FHA Loan Front - 09/03/14 03:15 AM
HUD announced a new loan program that will come out this Fall called HAWK (homeowners armed with knowledge).
In summary it goes like this if you have not owned a home for 3 years:
* take a 6 hour HUD education class
* your upfront MIP goes down from 1.75% to 1.25%
* the monthly MIP goes down from 1.35% to 1.25% and
* if you take an additional 1 hour POST closing class, the monthly MIP can go down to 1.1%
Good news on the FHA loan front for first time homebuyers and all the short sale, foreclosure, bankruptcy … (1 comments)

real estate: But the Internet Said My House is Worth... - 09/03/14 12:17 AM
This morning, once again, I have several articles flooding my email inbox about the status of the housing market.  And as usual, each article conflicts with another.  Well, hello Confusion!   I feel so bad for the home buyer and seller these days with all the various media outlets constantly spewing information which hardly ever seems to agree from one source to another.
Housing is up, no it’s down; building is up, no building is down – up/down, up/down; well, you get the drift.  I even read a recent article calling 2004 through 2014 the “lost decade” stating that prices … (6 comments)

real estate: It's A Great Time To Buy A Home. It's A Great Time To Sell A Home. - 08/28/14 01:48 AM
Remember that awesome band, Creedence Clearwater Revival?  Well, one of their big hits, Who'll Stop the Rain comes to my mind when I hear all the conflicting news reports from all aspects of media regarding the housing market.  I have to borrow a line from that great song, "Clouds of mystery pouring Confusion on the ground"...
Following is a great blog from Lenn Harley.  
"It's a great time to buy a home."
About two minutes later, we hear, "It's a great time to sell a home."
I … (0 comments)

real estate: Positive Housing Attitude but Normal Levels May Still be Years Away - 07/08/14 11:13 PM

Consumer confidence in the housing market has trended upward significantly during the recovery but continues to be less than needed to reutn to "normal" housing levels according to results from Fannie Mae's June 2014 National Housing Survey. 
On average, consumers' 12 month home price change expectation remained in positive territory in June at 2.4% but dipped slightly from the previous few months, likely in response to a lackluster housing picture in the first half of the year.
Many consumers believe mortgage rates will go up in the next year. Consumers appear positive overall but market indicators reflect … (4 comments)

real estate: You can show this house but the guys will be naked I'm talking AWKWARD - 06/05/14 10:09 PM

This is a great  "Awkward Moments" story by BY RICHARD & BETH WITT
Real Estate Broker Owner with RE/MAX Wittney Estates 516-795-6900   It falls into the category of "it's funny now, but wasn't then"...  Today, if this happened, it would be trending worldwide.  Talk about exposure for your property - sorry, pun intended!  Naked Guys???
So this might not be the most awkward thing that ever happened to me in the 35 years that I've been in the real estate business but for sure it is the most memorable thing.
There was a house on the market for sale that was … (1 comments)

real estate: The Wonders of Nature - Rare Lunar Moth Sighting - 05/14/14 02:01 AM
Rare and Short Lived Lunar Moth
Based on the climate in which they live, the Luna Moths produce differing numbers of generations. In Canada and northern regions, they can live up to 7 days and will produce only one generation per year. These reach adulthood from early June to early July. In the northeastern United States around New Jersey or New York, the moths produce two generations each year. The first of these appear in April and May, and the second group can be seen approximately nine to eleven weeks later. In the southern United States, there can be as many as three generations. These are spaced every eight to ten … (9 comments)

real estate: Steps to Interior Painting - So Many Colors - 04/28/14 12:48 AM
Paint Primer: One Room, Many Colors
If you’ve had success painting accent walls in your home, maybe you’re ready to take the next big step with your interior painting: creating a multi-color paint scheme using three or four different colors in the same room. Paint and color expert Debbie Zimmer, who is with the Paint Quality Institute, says that if you want to tackle this project, you need to look at the room’s wall space in a whole new light. She suggests that you envision your walls as large, empty canvasses that often have several components.
For example, if there … (3 comments)

real estate: Pace Slow but Real Estate is Indeed Moving Forward - 03/12/14 04:18 AM
  Pace Slow but Real Estate is Indeed Moving Forward     … (0 comments)

real estate: Easy Tips for Selling a Vacant Home - 03/03/14 10:41 PM
Easy Tips for Selling a Vacant Home
Once all of the content belonging to the house has been removed, you will really notice all sorts of imperfections that you never paid attention to before - holes in the walls, worn carpet, dinginess. Everything stands out in an empty house.  What you see is what buyers see! A little paint can work wonders, replace worn carpet, and probably most important of all, make
   everything "shine" - keep it spiffy clean.
To get rid of the “empty house” feeling, leave a few pieces of furniture in good … (3 comments)

real estate: Tips to Improve Your Home's Energy Efficiency - 02/26/14 01:30 AM
This winter with snow, ice and colder than typical temps for the North Georgia area feels like spring may never come.  For some, me for instance, the last snow/ice event was too much for my electric heat pump.  Just before the motor gave its last push to heat my house, I detected a burning smell.  It did not take  long to discover it was my heating system and shut it off immediately. No doubt, this was the time to call in a professional.
Even though spring has not officially started, now is the time for homeowners to consider home improvements that will add comfort … (6 comments)

real estate: Tips to Improve Credit Scores for 2014 - 02/23/14 09:43 PM
These days, most people know just home important a credit score can be.  Not only is the ability to obtain financing affected by credit scores but even employment. Many people, given the state of the economy over the last several years have felt a negative impact in some way which in turn, may have damaged their credit score.

"A credit score of 620 and below for example, would mean that the person looking to borrow would be categorized as a "sub-prime" borrower, whereas a credit score of 720 would mean that the borrow would be eligible for more favorable loan conditions."

real estate: Seven Steps for Millennials to Define Their Financial Future - 02/19/14 09:09 PM
Seven Steps for Millennials to Define Their Financial Future
Like other age groups, not saving enough for retirement is the biggest vulnerability facing Millennials. However, they’re the only generation that doesn’t seem to know it, as Millennials ranked more urgent needs like managing cash flow, getting out of debt and investing as higher priorities. Here are some steps Millennials can take to strike a better balance between the needs of today and tomorrow.
1. Take control over your day-to-day finances. Millennials rank managing cash flow as their top priority. The first step is to find out where your money is going by looking … (0 comments)

real estate: What Happens When Interest Rates Rise? - 06/21/13 07:10 AM
What Happens When Interest Rates Rise?   Freddie Mac released its U.S. Economic and Housing Market Outlook for June showing the effects rising interest rates are having on certain markets around the country and the overall housing recovery.   Interest rates for 30-year, fixed-rate mortgages have risen about 0.5 percentage points over the past several weeks and are expected to hover around 4.0 percent during the second half of 2013.  With rising mortgage rates, expect a sharp decline in refinance volume in the second half of this year; refinance originations are expected to total about $1.1 trillion in 2013, down from … (2 comments)

real estate: Undiscovered Stars in Blue Ridge Georgia - 06/21/13 01:54 AM

Undiscovered Stars
I love to run across local people in the Blue Ridge area of the North Georgia mountains and discover their unique gifts and talents.  I think it's so important to promote local businesses, where you can find "gems" almost anywhere you go.  These wonderful, undiscovered stars are not looking for attention, and are usually a little embarrassed when the focus is on them.  I think I caught Alta off guard...
The other day, on the spur of the moment, I decided to have lunch at the local Pizza Hut on East Main Street in Blue Ridge. The … (0 comments)

real estate: I Thought a Buyer Would Snap up my Cabin - Four Things to Consider - 04/15/12 01:11 AM
 Home Sellers, Marketing, Home Buyers, Housing Market, Real Estate, Economy
You have a nice cabin in the mountains but life is ever changing and now you either want or need to sell it.  You feel confident that the cabin will appeal to a lot of prospective buyers so you think it should sell fairly quickly and you can get on with your life.  After all, you love the cabin and therefore, most everyone else will too.
But, “what if” it doesn’t sell right away?
Have a backup plan in case it takes longer than you expect for your cabin to sell … (5 comments)

real estate: We all know the importance of being pre-qualified prior to making an offer. But there is something else you need to know too! - 12/07/10 12:33 AM
Richard Weisser offers some very good advice to home buyers prior to starting their search.  Getting pre-qualified is becoming common place and it only makes sense to get this important step out of the way first.  
Donna Yates, Coldwell Banker High Country Realty 706-633-0644 or   

Most home buyers know that the first step when purchasing a home is to secure financing. What many may not know, is that you not only need to be pre-qualified but you also need to know the TYPE of loan that will be obtained. Some loans add additional … (4 comments)

real estate: Momentum After The Tax Credit Expires? Seriously? Suffering From Lookie-Lou-Itis? - 05/10/10 01:55 PM
Momentum After the Tax Credit Expires? Seriously? Suffering from Lookie-Lou-Itis? 
From the wonderful C. Tann Starr. A Realtors' perspective.  This is a reblog of a very well written post that "tells it like it is" and buyers, sellers and Realtors might enjoy reading. 
Via C Tann-Starr ( REMAX People Realty):

Momentum After The Tax Credit Expires? Seriously? Suffering From Lookie-Lou-Itis?
This is why I don't do a lot of interviews. I am not into stupid questions. Markets are local. The only thing that can move a market is the buyer's ability to complete the transaction and the seller's willingness … (0 comments)

real estate: See Why You Should Spend a Day or Even a Lifetime in Gilmer County Georgia (LOCALISM FEATURED) - 07/21/08 09:50 AM

Gilmer County is located in the northwest mountains of Georgia and is within an hour's drive to Atlanta or Chattanooga Tennessee.  Highway 515 runs through Gilmer County and is a straight shot to Interstate 75 which makes for an easy commute.  (I-75 provides the major link between the Great Lakes and the SouthEast to cities like Miami, Tampa, Naples, Atlanta, Chattanooga, Knoxville, Cincinnati, Toledo and Detroit.

Nestled in the foothills of the Chattahoochee National Forest and Appalachian Mountains, Gilmer is known as Georgia's Apple Capital.  Small town ambience, old fashioned blue grass concerts or gospel music jams, fishing, canoeing, boating … (49 comments)

real estate: White Doves and Real Estate in North Georgia - 05/14/08 06:07 AM
Isn't it funny how you can work or live right next to someone and really not know as much as you think you know about that person? 

William Vernay Jr. known as  Bill Vernay of Mountain Investments of North Georgia is a dedicated Realtor with thirty plus years of real estate experience in residential, commercial and investing.  He spent a lot of time in Florida real estate and then like many of us, decided to make the Blue Ridge Mountains his home.  So, all of this I knew but what I didn't know is...Bill raises and trains white doves … (14 comments)

Donna Yates, Blue Ridge Mountains (BHGRE - Metro Brokers)

Donna Yates

Blue Ridge Mountains

Blue Ridge, GA

More about me…

BHGRE - Metro Brokers

Address: 801-A East Main St., Blue Ridge, GA, 30513

Office: (706) 633-0644

Mobile: (706) 633-0644




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