If you use a credit card or Forsyth County bank checking account’s online system, you may have noticed the appearance of a free service: FICO score tracking.  You find it as a clickable area with a link title like “Your FICO^® score” or just “FICO^®.”

For many years, each of the major credit reporting agencies was mandated by law to honor any consumer’s request for a copy of their credit scores—but it was a once-a-year deal. For access to regular updates, you had to pay for a subscription.  Particularly for consumers working to improve their credit scores, the paid services became a prudent monthly expense.  The arrival of anytime free FICO score reporting eliminated much of that need.

Of course, tracking your FICO score is only useful if you know how the lending institutions will view it—and the answer to that is anything but clear-cut. Not only does each lender has their own confidential requirements, but since there are three separate reporting agencies, Forsyth County consumers have three FICO scores (and they’re rarely the same).

Even so, let’s face it: the single piece of information most everybody wants to know is what FICO score is needed to buy a home? or to refinance a home?  Even if the answer is imprecise, it’s human nature.

To quell that curiosity, at least one source is willing to report what amounts to an average of approximations: it’s called EllieMae^®. Ellie is a company that serves banks, credit unions, and mortgage companies by providing a raft of automated tools—but those are for industry insiders. As a sideline, they also put out a monthly Origination Insight Report with statistics drawn from the home loans processed through their systems—including some that most future Forsyth County home loan applicants will be interested to learn:

Average FICO score for conventional mortgage refis closed last month: 732

Average score for conventional purchases: 752

Average for FHA purchases: 681

Average FICO score — all loans: 724.

Average time needed to close: 43 days.

The percentage of mortgage refis grew to 39% of all loans, probably because interest rates decreased “for the sixth straight month” to 4.2%. EllieMae reckons that constitutes “a new 2017 low”—something Forsyth County refi and home loan applicants will be interested to know!

Those bargain basement interest rates continue to create a terrific opportunity for Forsyth County real estate. Call me for a no-obligation discussion about how you might take advantage of the current real estate environment!

This Cumming GA Real Estate blog is hosted by Gayle Barton of BERKSHIRE HATHAWAY HomeServices Georgia Properties.

I specialize in Real Estate sales in the following Forsyth County, North Fulton County and East Cobb cities: Cumming, Suwanee, Johns Creek, Alpharetta, Duluth, Milton, and Roswell. Other areas are serviced by request.

Gayle Barton South Forsyth Real Estate | Cumming GA Real Estate
Gayle Barton Cumming GA Real Estate | South Forsyth Real Estate

 

The dual nature of Cumming, GA real estate agents is unlike most other professions. A medical doctor who is a family physician in the morning doesn’t switch hats and become a surgeon in the afternoon—any more than a lawyer who pleads in court for a defendant can decide to become a prosecuting attorney that afternoon.

On the other hand, Cumming, GA Realtors^® may begin any single day in negotiations representing a seller, then spend the afternoon escorting a buyer client through a series of Cumming, GA home showings. I’m happy to say this isn’t evidence of a split personality disorder. It’s perfectly normal: the Georgia real estate agent’s license I carry specifically permits me to perform as either a buyer’s or a seller’s agent. That’s noteworthy because each of the agencies carries distinct professional obligations.

The subject of the duality of being a real estate agent came to mind this week when I happened across an article on the topic of the 3 things you shouldn’t talk about with the seller’s agent.

The author listed the 3 things: how much you like (or dislike) a house; the size of your budget; and (well, the last one wasn’t specifically what not to talk about)—just the advice to buyers to “let your agent do the talking.”

I can vouch for all three, but go it one further: the same real estate agent advice works for sellers, too. Your agent is there to expertly gather and dispense relevant information, at the same time preventing the divulging of any and everything that might weaken your side of the coming bargain. Doing so while maintaining a positive, upbeat tenor is an art—one that sharpens with practice.  For sure it’s one place where there is no substitute for experience.

Whether your next Cumming, GA real estate role will be as buyer or seller, I can be there to serve as your voice—as well to offer my experience, guidance, and advice you can count on. Call me!
This Cumming GA Real Estate blog is hosted by Gayle Barton of BERKSHIRE HATHAWAY HomeServices Georgia Properties.

I specialize in Real Estate sales in the following Forsyth County, North Fulton County and East Cobb cities: Cumming, Suwanee, Johns Creek, Alpharetta, Duluth, Milton, and Roswell. Other areas are serviced by request.

Gayle Barton South Forsyth Real Estate | Cumming GA Real Estate
Gayle Barton Cumming GA Real Estate | South Forsyth Real Estate

 

You don’t have to be planning to sell your home to enjoy the benefits from what you might call a few ‘strategic spot improvements.’ These are limited renovations aimed at specific areas of a house—improvements that might not seem essential to Cumming, GA homeowners after years of living with them, but which fresher-eyed visitors see as evidence of a property in need of renewal.

Spot house improvements can be most necessary in living areas that whisper, “I’m a refugee from the 80’s.” Examples are rooms with popcorn ceilings; with faded green or pink bathroom tiles (really more like refugees from the 50’s); or with dark, battered wall paneling. You don’t have to be a single-minded fashionista to appreciate how such artifacts from days of yore can downgrade any Cumming, GA home’s appeal.

• The single most called-upon ammunition for duty in spot improvement is just what you’d expect: paint. A gallon or two can revitalize a room, either by a change in color or simply by brightening walls dimmed through decades of service. When it comes to scarred wall paneling, sometimes paint alone can provide the simplest spot solution—a true gift, since it means avoiding a teardown. Today’s improved primers may even allow for skipping all but some light sanding between coats. Another area where paint or stain can be transformative is in the renewal of neglected kitchen cabinetry.
• Removing a pre-1980 popcorn ceiling can also be tackled as a do-it-yourself proposition. Experts recommend scraping a test area first to see if it comes off without wetting—if so, removal will be easy. If wetting helps, the job will be slightly messier. But if water doesn’t soak in, it means that paint has been over-sprayed. That means tougher scraping—and a decision on whether professional help should be called. If a pre-1980 ceiling is suspected, lead-based paint or asbestos could be present. Cumming, GA hardware stores sell inexpensive EPA-approved test kits for both. If either answer comes up positive, it means calling in the professionals—average cost is between $1 and $2 per square foot. Or just leaving the popcorn in place (it’s harmless if undisturbed).
• As you would think, those 50’s era colored tiles call for a professional solution. But they may not need to be replaced. Cumming, GA professionals can save as much as 50% of what demolition and replacement would cost. New methods have been developed that allow tiles to be reglazed or refinished, and grout cleaned or replaced—then sealed for permanence.

The result of a few strategic spot house improvements can be remarkably cheering as we emerge from the dark days of winter. And the value in real estate terms can also be disproportionate. Especially if this spring finds you gravitating toward a change in your Cumming, GA real estate footing, now is a good time to give me a call to discuss the many options at your disposal.
This Cumming GA Real Estate blog is hosted by Gayle Barton of BERKSHIRE HATHAWAY HomeServices Georgia Properties.

I specialize in Real Estate sales in the following Forsyth County, North Fulton County and East Cobb cities: Cumming, Suwanee, Johns Creek, Alpharetta, Duluth, Milton, and Roswell. Other areas are serviced by request.

Gayle Barton South Forsyth Real Estate | Cumming GA Real Estate
Gayle Barton Cumming GA Real Estate | South Forsyth Real Estate

Last week’s short news item could serve as inspiration for future South Forsyth County first-time homebuyers—especially for those who haven’t yet considered the possibility of owning their own South Forsyth County home.

The item in question was news of the passing of the English athlete, Sir Roger Bannister. If that name isn’t familiar, it’s because Bannister’s story has long since faded from the headlines. But Bannister was a hero who changed the path of more than just sports history.

His triumph took place in 1954. A mid-distance runner, he had considered giving up the sport after his failure to win a medal in the 1952 Olympics. That race had been 1500 meters (about 90% of a mile). The more he thought about it, the more he determined to do more than make up for it. He decided to do the impossible.

It was common knowledge that there were limits to what the human body could accomplish physically. One of those barriers was that the time it took to cover a mile. The ancient Greek Olympians had tried to achieve preeminence—perfection (“paideia”)—by running a mile in less than 4 minutes. They (and everyone else) failed. After 3,000 years, it had become an established fact that it was a physical impossibility. Runners might come close, but in all of recorded history, that limit had not been seriously challenged.

As you have guessed by now, Bannister assumed the opposite. After years of training in half-hour increments (he was a full-time medical school student), he set out to beat the barrier at a college track meet. After he broke the tape at the finish line, the stadium announcer built excitement by a long-winded prelude, then announced the result:“…a new world record—the time was three…”

The roar of the crowd drowned out the rest of the announcement.

The moral of Bannister’s story isn’t that hard work and determination pays off. The true moral was driven home 46 days later when John Landy broke Bannister’s record by running a 3-minute mile even faster. What had been holding him back until then? When you realize that by 2001, high school runners were turning in 3-minute miles, it’s hard to deny that some—perhaps most—barriers exist only in our minds.

Fast forward to just last month, when we South Forsyth County viewers watched those Olympic skiers and snowboarders regularly demonstrating the utterly impossible: high-speed aerial flips, twists and turns performed backward. That’s yet more proof of the Bannister legacy—and it can be priceless for anyone who has automatically assumed that owning a home of their own is impossible.

Many of South Forsyth County’s first-time homebuyers once thought homeownership was beyond their reach. They know better now. The first step is learning about today’s South Forsyth County market, investigating the possibilities, then preparing to apply them. If I can be of help, I’ll be happy to offer my experience and advice. Call me!
This Cumming GA Real Estate blog is hosted by Gayle Barton of BERKSHIRE HATHAWAY HomeServices Georgia Properties.

I specialize in Real Estate sales in the following Forsyth County, North Fulton County and East Cobb cities: Cumming, Suwanee, Johns Creek, Alpharetta, Duluth, Milton, and Roswell. Other areas are serviced by request.

Gayle Barton South Forsyth Real Estate | Cumming GA Real Estate
Gayle Barton Cumming GA Real Estate | South Forsyth Real Estate

 

In addition to strategic home preparation and a solid marketing push, selling your Forsyth County GA home for the best price also has to do with where that price starts out: that is, the asking price.

Once you have a clear idea of the professional opinion of its market value—that is, a price that aligns with the latest comparable sales data for similar Forsyth County GA homes—you have three alternative strategies:

1. You can set an asking price as close as possible to what the comps suggest. After all, it’s reasonable and defensible—and lenders are likely to agree if a home loan becomes a contingency in the final sale. A possible downside is that it will be more difficult to stand out from the crowd since many comparable properties may be priced at the same level. It can also prove necessary to compromise with buyers who assume any asking price is an opening bargain position.
2. Set the asking price higher than what the comps indicate in the hope that a buyer who isn’t too economy-minded will fall in love with your place – or the strategy might be to make a final agreement more likely by leaving room for negotiation. The downside is that if a sale fails to materialize, lowering the asking price later can be costly: those reductions (especially multiple reductions) are like properties that linger on the market for a long time: they suggest that something is wrong (even if the only problem was the asking price).
3. Set the asking price lower than have comparable rival properties. The strategy here is clear enough: the expectation that serious house hunters will become interested. Very interested. Fascinated, in fact—especially in a market where supply is tight. The most serious prospects—the ones who know the market—will be expected to hurry to beat the others to your door. In the best case, this can result in a bidding war, resulting in higher-than-asking offers.

Selling your Forsyth County GA home for the best price has another proven hallmark—one I’m pleased to pass on. The median selling price for homes sold with the assistance of a Realtor^® like me is significantly higher than for those where the owner decided to go it alone. Currently, the final sale price averages $59,000 more for the typical home sale (per the NAR).

For Forsyth County GA sellers interested in getting the best price, the implication is clear: call me!  I’ll help you determine the best strategy for getting the most for your home in today’s market!
This Cumming GA Real Estate blog is hosted by Gayle Barton of BERKSHIRE HATHAWAY HomeServices Georgia Properties.

I specialize in Real Estate sales in the following Forsyth County, North Fulton County and East Cobb cities: Cumming, Suwanee, Johns Creek, Alpharetta, Duluth, Milton, and Roswell. Other areas are serviced by request.

Gayle Barton South Forsyth Real Estate | Cumming GA Real Estate
Gayle Barton Cumming GA Real Estate | South Forsyth Real Estate

It’s illuminating to visit For Sale by Owner websites from time to time to see if there are any new insights to be gleaned. True, as a licensed Cumming, GA REALTOR®, I’m not likely to learn much new when it comes to selling Cumming, GA homes—but that’s not the motivation. Call it ‘opposition research:’ the reason is to uncover any areas where the services I provide aren’t superior to what a do-it-yourselfer can come up with on their own.

Here are some takeaways from the FSBO sites Google recently presented as the most frequently consulted sites. I’ve included my opinion about the pronouncements—either valid or less than valid:

VALID: Valuing your house is an important step toward FSBO success. Absolutely true, if “valuing your house” means incorporating the latest Cumming, GA comparable sales adjusted for the features that make your property unique.

LESS VALID: “[name of an online service] is a free tool that instantly estimates your home’s value…” As has been shown time and again, automated systems (even the top 3 national ones) can come up with wacky valuations—it’s why they ask homeowners for corrections. Compiling a carefully researched, up-to-the-minute comparable presentation is only one part of what you can expect from any licensed REALTOR. Both are free.

LESS VALID: Whether you list your home with an agent…or sell your house on your own, it is going to involve considerable effort on your part. More candid would be pointing out that the considerable marketing, advertising, and negotiating activities in addition to timely compliance with all legal and financial deadlines are parts of the considerable effort that your Cumming, GA agent undertakes for non-FSBO sellers.

VALID: Another pricing [tactic]…is calling a real estate agent for a Comparative Market Analysis…the agent’s point of view could be valuable. I couldn’t agree more!

VALID: Cumming, GA FSBO properties are commonly passed up by serious-minded house hunters wishing to avoid non-professionals in such a major transaction. Since those are the prospects sellers should try hardest to attract, that’s one point you never find on any FSBO web site.

In case you’ve been toying with the For Sale by Owner idea, I hope you’ll first give me a call for a no-obligation discussion of your property and goals—and what makes the most sense for you!

 

 

 

This Cumming GA Real Estate blog is hosted by Gayle Barton of BERKSHIRE HATHAWAY HomeServices Georgia Properties.

I specialize in Real Estate sales in the following Forsyth County, North Fulton County and East Cobb cities: Cumming, Suwanee, Johns Creek, Alpharetta, Duluth, Milton, and Roswell. Other areas are serviced by request.

Gayle Barton South Forsyth Real Estate | Cumming GA Real Estate
Gayle Barton Cumming GA Real Estate | South Forsyth Real Estate

Every mortgage lender develops their own unique guidelines for evaluating the factors contained in a home loan application. These may change from time to time so that their portfolios stay “balanced”—that is, so that the cumulative risk represented by the entire batch of home loans do not exceed the level of risk they wish to assume.

Potential Forsyth County mortgage applicants are bound to be curious about which factors are more or less influential for that decision. Their curiosity is why you can find hundreds of “Top 5” and “Top 7” lists of “mortgage application factors”—and why home loan originators pay top dollar to advertise on them.

Given that the factors mortgage companies examine are hardly secret, it’s not surprising that all of the lists are pretty similar. It’s also true that the individual factors all have something to do with a single underlying element. (I’d call it the “hidden factor” if it weren’t right out there in the open). Here’s a typical list seen as it relates to that single underlying factor:

1. Down payment (underlying factor: size of loan). If, say, $50,000 will be available for the down payment, a $200,000 home loan would be easier to grant than one for $600,000. Many mortgage firms have relaxed their requirements—but inevitably look harder as a down payment percentage declines.

2. Debt level; aka Debt-to-Income ratio (underlying factor: size of loan). Lenders analyze an applicant’s monthly cash flow to determine how much will be available to pay the monthly mortgage payment. The size of the loan—thus amount of the payment—determines if that’s easily doable.

3. Loan type (underlying factor: size of loan). Conventional loans carry stricter qualifying factors than do other types. For instance, if the size of the loan is beyond the conforming loan limitation, jumbo loan requirements pitch in.

4. Employment history (underlying factor: size of loan). Starter homes requiring smaller loans are often right-sized for younger borrowers with shorter employment records.

5. Credit Score. Typical descriptions say things like, “Borrowers who need to finance more will need a higher credit score of 700 or above…” In other words (you guessed it), underlying factor: size of loan.

 Success when applying for a mortgage loan does involve all these factors—­and more­­—but that’s just another way recognizing the common sense notion that home loans are granted to those who can demonstrate the ability to repay. The last time that notion was abandoned, the global financial crisis ensued.

The corollary for house hunters is equally clear: determine your comfortable budgetary range first­­­–then go out and find your new home. The mortgage lenders will fall into line—and I’ll be delighted to help!

 

 
This Cumming GA Real Estate blog is hosted by Gayle Barton of BERKSHIRE HATHAWAY HomeServices Georgia Properties.

I specialize in Real Estate sales in the following Forsyth County, North Fulton County and East Cobb cities: Cumming, Suwanee, Johns Creek, Alpharetta, Duluth, Milton, and Roswell. Other areas are serviced by request.

Gayle Barton South Forsyth Real Estate | Cumming GA Real Estate
Gayle Barton Cumming GA Real Estate | South Forsyth Real Estate

Forsyth County real estate has greatly benefitted from one offshoot of “virtual” technology.   Just click on a listing’s “virtual tour” button and a progression of two-dimensional views of the listed property parade across your laptop or smartphone screen.

Those Forsyth County listing virtual tours are real estate’s first step toward “VR”—Virtual Reality.  VR is the more immersive version that allows viewers to move around within three-dimensional renderings of computer-generated environments.  A current example is the TV commercials depicting delighted VR goggle-wearers experiencing animated fictional worlds.  They demonstrate two things: 1) the people who don the goggles look as if they truly do feel as if they are surrounded by a mind-bendingly realistic version of reality; and 2) they also look as if they are disconnected from the actual world around them (as when they duck to get out of the way of something that doesn’t really exist).

As it relates to Forsyth County real estate, there is a slightly different emerging technology.  You might say that it’s half-way between today’s virtual tours and full virtual reality.  This is “AR”—Augmented Reality—which combines the real and virtual worlds. It allows consumers to superimpose computer-generated images into real life scenes.  Some applications are already popping up, with more on the way thanks to support from the latest operating system releases which allow software developers to dream up applications that take advantage of the possibilities.

IKEA is one company that has developed an application to project how any given furniture model would look in a customer’s own home environment. Customers need a copy of the company catalog and access to IKEA’s website.  Simply click on the sample item shown on the site, then position the catalog on the floor where the furniture would be placed.  Just point your smartphone at the scene and take the picture—the app recreates the scene with the IKEA piece in place, properly scaled with lighting and shadows correctly rendered!

My guess is that it certain that Forsyth County homeowners will soon have a lot of AR remodeling aids to help them visualize design choices.  One countertop manufacturer has already developed an application that shows exactly what different surface finishes would look like atop an existing counter.

House hunters will benefit, too. The Realtor.com web developers are working on “augmenting reality” in the same way that Hollywood adds subtitles to movies. Their “Street Peek” application will allow house hunters to walk down a street, point their smartphone (Android, at first) at a house, and watch a cartoon bubble pop up over its roof with text showing whether it is for sale, the listing price or most recent sale price, and other information drawn from the NAR database. For Forsyth County new home buyers choosing model home variations as well as for builders eager to show the potential of an unfinished space, the only current drawback is the difference between the look of the real thing and the computer-generated image. Count on that difference rapidly disappearing.

Whether you are buying or selling, I work to keep my clients informed about the coming advances in the tools affecting their Forsyth County real estate options. Call me!

We’re not quite there yet in terms of selling homes, but my listing clients benefit from the very of the best current technology provided now!  Click to see all of my Selling Strategies.

In order to make your home stand out, our team includes:

Professional Photographer (view example)
Professional Videographer and Professional Drone Operator (view example)
Professional Stager, if needed.

I would love to have the opportunity to work with you. Please feel free to call or text at your convenience.

 

 

 

This Cumming GA Real Estate blog is hosted by Gayle Barton of BERKSHIRE HATHAWAY HomeServices Georgia Properties.

I specialize in Real Estate sales in the following Forsyth County, North Fulton County and East Cobb cities: Cumming, Suwanee, Johns Creek, Alpharetta, Duluth, Milton, and Roswell. Other areas are serviced by request.

Gayle Barton South Forsyth Real Estate | Cumming GA Real Estate
Gayle Barton Cumming GA Real Estate | South Forsyth Real Estate

It’s one of those Cumming, GA documents most of us stash in a safe, out-of-the-way place—somewhere in the furthest recesses of a linen closet or at the back of a bureau drawer. Renters do the same: they don’t actually read the thing, but they know they want to keep it somewhere where they hope they’ll never have to find it.

The document that they value and simultaneously avoid is their Cumming, GA homeowners or renter’s insurance policy—the thing they make sure to purchase and hope to forget. As much as I consider it my job to cater to my clients’ every wish, it is also a document that I’m afraid prompts me to risk violating that part of my job.

Sorry, everyone. You really should go find it and give it a read. Once a year, even.

The fact is, it’s certainly time for your Cumming, GA homeowners insurance policy’s annual checkup!

How do I know that you haven’t done that for at least a year? It’s because when your agent sent you this year’s policy renewal, you may have read the cover letter and the top page, but that’s when your eyes glazed over and you remembered you had something else to do right then. You stuffed it back in the envelope until later (which was when you stashed it in the safe place).

Unless you are the one-in-twenty who likes legal minutiae, you figure you’ll read it when you need it, which you fervently hope is never. I sincerely join you in that hope, but all the industry experts are deadly serious in recommending that you bite the bullet and review your policy at least once a year.

Why? Many reasons—here are just a few:

• Type of coverage. Is it ACV or Replacement cost? ACV stands for “actual cash value” which means depreciation is deducted in the event of loss.

• Liability limits. ‘Nuff said.

• Accurate inventory. As your possessions come and go, they need to be reflected in the policy. This is where over-insuring is most commonly spotted. Here’s the National Association of Insurance Commissioners’ handy inventory worksheet.

• The amount of deductible in your Cumming, GA homeowners or renter’s policy is where you can reap significant savings…if you are willing to absorb more of the expense should a loss occur.

• If you have more than one type of insurance policy with the same company or are a long-term customer with few claims, you might qualify.

After your house insurance checkup, you should experience some degree of relief. After all, not only are you newly confident that you are accurately covered, but even better: now you don’t have to read the thing for another year!

My job is helping my Cumming, GA clients make the most of their real estate opportunities and decisions. Whenever you can use some help or advice, do give me a call!

 
This Cumming GA Real Estate blog is hosted by Gayle Barton of BERKSHIRE HATHAWAY HomeServices Georgia Properties.

I specialize in Real Estate sales in the following Forsyth County, North Fulton County and East Cobb cities: Cumming, Suwanee, Johns Creek, Alpharetta, Duluth, Milton, and Roswell. Other areas are serviced by request.

Gayle Barton South Forsyth Real Estate | Cumming GA Real Estate
Gayle Barton Cumming GA Real Estate | South Forsyth Real Estate

The goal of owning your Cumming, GA home free and clear is usually thought of as the sunniest eventual outcome of the process that begins with buying your Cumming, GA house. The vision of the day when you make that last mortgage payment is an attractive one: whether in retirement or sooner, a “free rent” future has great appeal.

So when financial planners argue against the wisdom of paying off your mortgage, it makes for interesting reading. One such planner is Ric Edelman, whose article “11 Great Reasons to Carry a Big, Long Mortgage” presents a laundry list of the possible financial benefits. As one of the nations’ foremost financial advisers, Edelman also has a well-earned reputation for brash presentations (his PBS series made the most of that). And he really does list eleven reasons why “you should have as big a mortgage as you can get and never pay it off.”

Some of the reasons are fact-based—but not really pertinent. For instance, Reason #1 is that your mortgage doesn’t affect your home’s value. True: whether its value rises or falls depends largely on the current Cumming, GA market…but that isn’t a reason for or against carrying home loan debt.

The same is true for Reason #2, which is that a mortgage “won’t stop you from building equity…” The logic here is the same: even if you never paid down your home loan’s principal at all, if the expected market value rises (it’s “almost certain to grow in value over the next 20 years”), your equity would grow independently.

More convincing are the remaining nine reasons, leading off with Reason #3, “A mortgage is cheap money.” This will earn head nods from every financial analyst, and it’s doubly true with today’s incredibly low interest rates. It may only be useful to those who have ideas for places where the “cheap money” can produce juicy profits—but what financial planner can’t suggest a few?

The other reasons deal with:

• tax benefits

• the dwindling real cost of mortgage payments over time due to inflation

• the liquidity provided by refinancing (“selling without selling”)

• the wealth creation possibilities of money invested sooner rather than later

Each of these can be illustrated by graphs and charts (and believe me, they are).

Whether you are more of the less-owed-the-better mindset or Edelman’s big long mortgage school, one thing holds true in both cases: buying your Cumming, GA house is the necessary first step. I can be of immediate value in that department—call me to see what I mean!

This Cumming GA Real Estate blog is hosted by Gayle Barton of BERKSHIRE HATHAWAY HomeServices Georgia Properties.

I specialize in Real Estate sales in the following Forsyth County, North Fulton County and East Cobb cities: Cumming, Suwanee, Johns Creek, Alpharetta, Duluth, Milton, and Roswell. Other areas are serviced by request.

Gayle Barton South Forsyth Real Estate | Cumming GA Real Estate
Gayle Barton Cumming GA Real Estate | South Forsyth Real Estate