Holli Clem

REALTOR

My Blog

(PHOTOS) Beauitful Windermere | Old Atlanta Golf Clubs

5/18/2017

 

For those who don't know, I have a dream home located in the Olde Atlanta Golf Club neighborhood. You can view that home here: http://www.holliclem.bhhsgeorgia.com/Home/5845647/FRM/6070-Ansley-Way-Suwanee-GA-30024/

However, that link doesn't do justice to all this area has to offer. I wanted to add a few photos here and tell more about this neighborhood. 

Two great clubs in the Olde Atlanta Golf Neighborhood. 

Windermere Golf Club 

Windermere Golf Club, conveniently located in Cumming, Georgia, opened in 2000 and continues to impress Members and their guests. A true Davis Love III design, the course rolls through the Piedmont Plateau, offering golfers stunning views on each hole. To complement the great golf, our 10,000-square-foot clubhouse includes Elevation, which offers spectacular views of the golf course and Piedmont Plateau year-round and outdoor dining on the beautiful back patio. For special events and weddings, The 1833 Room can accommodate more than 200 guests for cocktails and hors d’oeuvres, and our experienced staff is happy to assist you with the planning process. 

Olde Atlanta Golf Club 

Olde Atlanta Golf Club, located just north of Atlanta in Suwanee, Georgia, features a picturesque and challenging course built in 1993 by Master Architect Arthur Hills. The course rambles through the north Georgia foothills, winds around three sparkling lakes and incorporates numerous elevation changes. All of these elements make for an unforgettable round of golf at one of Atlanta’s favorite golf courses. The 6,500-square-foot clubhouse provides a comfortable atmosphere where Members and guests feel right at home, whether they are enjoying a meal with friends and family or simply kicking back on the patio after a round of golf. 

 

(Taken from their website: http://www.clubcorp.com/Clubs/Windermere-Olde-Atlanta)

Top 10 Tips to Successful Home Buying

5/14/2017

 

Tip #1: Research Is The Key To Discovery

Home sellers won't call you with an offer to buy a maintenance-free home with a wonderful mortgage. You have to find the gems yourself! Only by reading available materials, talking to friends and experts, and spending time looking at different homes, schools, and neighborhoods will you end up with your American dream. Avoid the nightmares by learning how best to buy and maintain a home.

Tip #2: Make A Plan And Get Pre-Qualified

Every important decision needs to be clearly thought out. Developing a home buying plan can help you focus on the important factors and organize the entire process. You may even want to use a binder with sections on house hunting, home financing, service providers, etc. Loan pre-qualifying helps you determine the home price you can afford and presents you as a genuine prospect to the seller. A lender typically uses the 28% formula (your monthly mortgage can't exceed 28% of your monthly income) in approving your loan. Planning your actions and getting pre-qualified will keep you out of the panic mode and allow you to take advantage of opportunities. A thorough plan will save both time and money!

Tip #3: Value, Value, Value

The days of 10-30% annual appreciation have passed. Homebuyers in the 1970's benefited tremendously from what seemed like ever appreciating home prices. Nowadays, you're looking at slow growth while guarding against the possibilities of falling prices, skyrocketing ARM rates and corporate layoffs that can dramatically affect your home values. The classic rule of buying the worst house in the best neighborhood still applies. If you buy with an eye towards improvement, you can customize the home to fit your needs. The saying, "make money buying a home, not selling one," should keep you focused on the long-term importance of the purchasing price.

Tip #4: Create A Top 10 List Of Amenities

When shopping for a home, list the features (fireplace, fenced-in yard, new appliances, etc.) that are most important to you in deciding on which home to buy. Establishing "your criteria" early on will save time shopping for inappropriate homes and may keep you from buying a home on a whim. As detailed in Tip #3, your top reason for buying a home should be the value you are getting. Some of your top 10 amenities should logically be sacrificed if an incredible value is available.

Tip #5: Fixed vs. Adjustable Rate Mortgages

Adjustable rate mortgages have an initial fixed rate, which is followed by a period of adjustment intervals during which the rate adjusts based on the performance of several key indexes. Typically the initial fixed rate on an ARM is slightly lower than the comparable rate of a fixed rate mortgage.

Fixed rate mortgages allow buyers to take out a long term loan without having to worry about changing interest rates or monthly payments. Most fixed rate loans are offered in either 15 or 30 year terms.

Most buyers will be well served by a fixed rate loan, but each situation is unique. While ARM loans have become less popular in recent years, they can still be a viable option for some buyers - especially those who plan on selling again in the short term.?

Whichever loan you choose; make sure that you scrutinize all the closing costs. If you are required to have a mortgage escrow account and private mortgage insurance, make sure you understand the terms and cancellation procedures (your Real Estate Agent has publications to assist you). Also, make sure there are no prepayment penalties so that you can utilize an accelerated mortgage plan. A good mortgage reduction plan can save you tens of thousands in interest costs, and shorten your loan term, with only small extra principal payments. If you experience negative changes in your job, health, or marital status, you can revert to the standard payments in your mortgage contract.

Tip #6: Sign A Contract That Protects You

Make sure that the contract you put on a house allows you to arrange financing, inspect the home and negotiate any problems that you uncover. Ensuring that the contract you sign will minimize potential legal battles will let you swim in your new pool with your family and neighbors instead of with the sharks.

Tip #7: Put Yourself In The Seller's Shoes

You are about to make one of the most important decisions that will affect both your life and the life of the seller. If you take time to understand the reasons the seller bought the home, their reasons for selling, and the home improvements they have or have not made, you'll be in a better position to evaluate the home and negotiate a better deal. In the end, the home buying process excludes the professionals and comes down to the individuals buying and selling the home. A closer look at the seller may help you in deciding whether and for how much to buy a particular home.

Tip #8: Develop A Mortgage Shopping Chart

One of the biggest decisions to make before putting a contract on a home is how to finance the purchase. There are 10,000 lenders competing for your mortgage business. The days of simply walking into the community bank and negotiating with the loan department manager are over. Today, you can apply for a loan over the Internet or even use a mortgage broker to shop for your loan with hundreds of lenders. When choosing a lender, you want to avoid apples to oranges contrasts by comparing fixed rates to fixed rates, not fixed to ARM's. Create a chart that lists different types of loans, fees, and at least five mortgage providers (including a mortgage broker).

Tip #9: Get A Quality Home Inspection

Although it is hard to believe, more people pay for inspections before buying used cars than when making the biggest investment of their lives - their homes. Paying for a qualified home inspection before you buy a home isn't just spending "a little extra" for peace of mind; it's absolutely essential for anyone who doesn't want to spend thousands of dollars for repairs.

Tip#10: Peace Of Mind: Home Protection Plans

To protect both you as a buyer, as well as the seller, it is a good idea to purchase a home protection plan.? What exactly is it? A home warranty, or home protection plan, is a service contract, normally for one year, which protects homeowners against the cost of unexpected repairs or replacement of their major systems and appliances that break down due to normal wear and tear. A negotiable contract between the buyers and sellers which does not overlap or replace homeowner's insurance policy, this type of warranty can save the new homeowner lots of headaches, as well as put seller's fears to rest. The warranty covers mechanical breakdowns, while insurance typically repairs the related damage. For example: if a hot water heater burst and destroyed a wall in your home, the warranty would repair the water heater and your insurance would pay to fix the wall.

Why I Decided To Become a Realtor

5/3/2017

Since starting in the Real Estate business, I have had more than a few people ask me two questions repeatedly:

#1) “Why did you decide to become a REALTOR?” The answer is really multifaceted. In my earlier careers, I was a Paralegal, an Adult Education Teacher, and also a Financial Principal for a Bank Broker-Dealer. However, most recently, and what I am most proud of, is my role as a Stay-at-Home mom. My family has lived in Forsyth County for nearly 12 years and recently moved to Lake Lanier where we have quickly adapted to lake life and the nature around us. I am blessed with two wonderful adult children (college age), a husband I adore, and an extra-large, loveable dog. So…what is the answer to the question? Well, I have found that Real Estate is the perfect career that allows me to blend all of my life experiences into one role that really suites my personality and strengths. In addition, it helped my empty nest feel a little less empty.

When I am asked to represent a client in a sale or purchase I take that responsibility seriously. This is their home and, very often, their most valuable asset. I respect the importance of that and put my client’s interests in the forefront at all times. This industry is often hectic, but it is also rewarding and has allowed me to meet so many wonderful people, many whom I would never have met otherwise. That, in itself, is a blessing!

#2) The second question, which is asked more often than the first, is “How is your business going?” I am very happy to report that things are going very well!! I have a new partner who has been in the business a long time. Peggy is a decorated agent and well respected. We work well together because our goals are the same and our styles really complement each other, but more importantly, she is a good, genuine person. Surrounding yourself with good, honest, hardworking individuals is another very important aspect in this business and I have been blessed by the team around me…they are amazing in every way!

In addition, you can find my business on FacebookInstagram and LinkedIn which only further benefits future buyers and sellers because exposure is key, especially when trying to sell your home. The sky is the limit and I am reaching for the stars!

In the end, my goal is simple…help others realize the dream of home ownership. Whether this is your first or fifth home, I love this profession and want to help as many people as possible find the perfect place for them…just as I have found with my family. If you are in the market, I would be honored if you allowed me to show you what true customer service looks and feels like.

Thank you so much for reading! Please share this blog on your Facebook profile to help me get the word out! ~Holli

To see my listings and to visit my website go to: http://holliclem.com  

(From Left to Right: Jordyn, Holli (Me), Hunter, & Mike) 

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