Tag Archives: USDA

Cheers to Chelsea!

25 Nov

Chelsea is an ER nurse. She is also a trooper. Chelsea had to endure the government furlough, but was able to close on her very first home! Chelsea, thanks for your patience! I’m so happy for you! I love seeing young people’s hard work pay off!



Chelsea closed on Halloween and here she is modeling her pumpkin boppers in her new place :)

Chelsea closed on Halloween and here she is modeling her pumpkin boppers in her new place 🙂

439 Archer Way – Under Contract

13 Sep

The livin’s easy in this laid-back home in Guyton.  Quiet, woods-y and just minutes to the Ogeechee River.


Congratulations to The Hankins!

5 Dec

Eric and Stephanie stuck out a bumpy ride with an REO, but got a wonderful first home. They bought in a community with lots of amenities and their home has plenty of room to grow into. Thank you both for the opportunity to work with you. Congratulations!


Under Contract! 56 Cordage

27 Sep


Don’t worry about USDA running out of money!

15 Mar

Awhile back I blogged about the USDA loan program. Read about it here. It’s big business in my local area and has helped tons and tons of people purchase homes that may not have been able to before. In short, the USDA loan is designed to be 100% financing and is in place to stimulate growth and development in “rural areas”.

Unfortunately, USDA is expecting the fiscal year of 2010 funding to be depleted by the end of April. Therefore, many lenders have stopped registering any new USDA applications as of last Friday. I would venture to say that there may be a correlation for the depletion of USDA funds and the mad dash for first time home buyers to take advantage of the $8,000 first time buyer credit.

On the flip side of that coin, applicants in need of 100% financing still have options. For instance, in lieu of the USDA loan, a borrower can seek out the Georgia Dream loan program. Georgia Dream has specifications and limitations, just like any other loan would. It is designed for first time home buyers needing down payment and closing cost assistance. There is a minimum credit score required and a maximum occupant number per household. Read about it here.

Need help finding a home? Have questions about loans, lenders or a property? Give me a call!

124 Willow Drive

13 Aug

Erin Rowley | Coldwell Banker Platinum Partners | 912 224 0460
124 Willow Dr., Guyton, GA
Picture Perfect
3BR/2BA Single Family House
offered at $124,000
Year Built 2006
Sq Footage 1,248
Bedrooms 3
Bathrooms 2 full, 0 partial
Floors 1
Parking Unspecified
Lot Size 9,000 sqft
HOA/Maint $0 per month


Priced less than what seller’s paid and below tax assessor’s appraised value!

Sweet starter home, 3 bedrooms 2 baths, just 10 minutes from I-95. Neutral paint. Clean as a button! Large Privacy fenced backyard is perfect for a green thumb, dog lover, or anyone who is looking for a killer backyard. Located in a very desirable school system. Turn Key. May consider leasing/renting.

Here is the ESTIMATED cost to live here:

If you have NO MONEY to put down

and paid full asking price, $124,000 with an interest rate of 5.5%

for 360 months (standard)

Your monthly Premium and Interest would be about $704/ month

Add Taxes ($100/month)
and Insurance a($50/mo)

your payment should be less than $900/month!


Take Hwy 21 N ( either from Garden City, or from exit 109 off I-95)
Take a LEFT onto Hwy 30 West.
Continue straight about 2 miles.
Take a RIGHT at EL Cheapo (Hodgeville Rd.)

Straight until road ends, LEFT onto BLUEJAY.
Immediate RIGHT onto HORSEPEN.

LEFT into TIMBERLAKE subdivision, which is Willow dr.

#124 on right hand side.

Shown by appointment ANYTIME!

Direct (912) 224.0460
Office (912) 352.1222


see additional photos below

– Central A/C – Central heat – High/Vaulted ceiling
– Walk-in closet – Tile floor – Living room
– Dining room – Dishwasher – Refrigerator
– Stove/Oven – Microwave – Attic
– Washer – Dryer – Yard


– Lake


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Contact info:
Erin Rowley
Coldwell Banker Platinum Partners
912 224 0460
For sale by agent/broker

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Posted: Oct 1, 2009, 1:42pm PDT