Bremen, GA

What I gather from reading and consulting with market savey people,our ultimate destination will be the same whether we pass current legilation soon or let the market recalculate on its own. There are distasteful consequenses for each route taken. We must fall back on our heritage,and find the good that will be added to our belt tighting lives. See my homes and benefit from "new pricing". Go to susnparrish.com.or call me at 404-538-6417.

What is a short sale? A short sale is a loss mitigation solution. The easiest way to explain a short sale is to ask yourself , "how much do I owe on my home?" If the answer is more than what the current value of that home is. Very simply put, a short sale is when the value of the mortgage is greater than the value of the property.

One reason a short sale is a better option than foreclosure is because it saves the seller's credit from being damaged. A foreclosure can drop a homeowner's credit score by 300 points or more. A short sale will affect a homeowner's credit score by 80 to 100 points on the average. It reads on your credit report as a paid lien or paid judgment, and is much easier and quicker to repair than a bankruptcy or foreclosure.

A homeowner that is two months late on their mortgage payment or can demonstrate the inability to pay their mortgage would be considered a short sale candidate. The homeowner is considered pre-foreclosure when the bank officially sends a notice of default or a notice that they're taking legal action against the homeowner to collect the dMoney owed. A short sale can still take place during the foreclosure process. There are two reasons that a homeowner is not eligible for a short sale:

The foreclosure has already taken place and the home is up for auction or a homeowner has filed for bankruptcy.

You will need to get Steve Adams at 770-301-5381 as your real estate agent to sell your home as a short sale. Your first step after hiring me as your agent is to give me the Authorization to Negotiate with your mortgage CO in writing.

The next step is you to prepare a hardship letter .This letter must spell out the reason for financial troubles. This letter should be very explanative, honest and detailed. However, the reasoning must be an occurrence that was involuntary; such situations include a loss of a job or family member, illness or other unforeseen circumstances. Laziness or irresponsibility is not an excuse for defaulting on a loan.

The lender will also require two months of bank statements. This includes W2s, 1099s and tax returns. As your representative agent, I will show the lender that you the homeowner are unable to pay the mortgage. There should be no savings accounts, and if there is money in a savings account, we have to supply a budget sheet. The Budget sheet lists all the personal finances including what it costs for gas, car insurance, dry cleaning, food, and any other expenses that they incur throughout the month.

The key to getting the mortgage company to agree to a short sell is proof of finances. Keep all your documents together and organized. Although it may seem like a lot of paperwork goes into the short sale package, what you must understand is that the more documentation you have for your agent, the more the bank is going to realize that you are about to loose your home and they will have another foreclosure and they will want to do a short sale. This information is so important; the outcome of your short sale rides on it.

If you are having trouble with your payments and see foreclosure is in the near future call Steve at 770-301-5381 and discuss if a short sale is what might be best for you. Visit my web site at WWW.ThinkSteveAdams.com

If you are in the Tallapoosa Ga, Bremen Ga, Buchanan Ga.,Temple GA, Villa Rica Ga, Carrollton Ga, Bowdon Ga, or Cleburne Co AL, areas just give me a call. 770-301-5381. My main goal is to help you get the most out of your home and help get you out from your high payments.

Tour de Rogers - Bike Ride and Walk/Run will be helt on Saturday August 23, 2008.

5th Annual Tour de Rogers century ride and walk/run fund raiser. The Tour de Rogers is a non-profit event that benefits a different cancer patient each year. Supported by local businesses and citizens, the event tours scenic and rolling West Georgia countryside and is well supported with ample rest stops, mobile mechanics, and law enforcement at most intersections. Bring your family and friends and ride your BIKE or WALK and HELP MAKE A DIFFERENCE!Family participation encouraged, ensuring there is a ride suitable for you! Pedal your wheels on a tour of Northwest GA. Fully SAG, well-marked routes, bike mechanics, friendly rest stops, home-baked goodies and food at finish. Also a 1.5 and 4 mile walk/run.

The cost is only $26 pre-registered, $30 on Race Day. For more information please call 770-537-4272 or get more information and a entry form at http://www.tourderogers.org .

While in Haralson Co be sure and call Steve Adams 770-301-5381 with Remax United to see all the great deals on new and resale homes in the Bremen School District or Haralson Co School district. Be sure and visit WWW.ThinkSteveAdams.com to get a sneek peek of the beautiful homes in the area.

Bremen is 50 miles west of Atlanta on I-20. Take I-20 to US 27, Exit #11 and turn North. Take right at first light, following US 27 Business to downtown Bremen, GA. Event starts in town center, near intersection of US 27 business and US 78. Registration is Downtown Bremen in town center. Look for tents and signs across RR tracks. Parking at First Baptist Church

Bremen GA is located in the westernmost part of the state about 50 miles west of Atlanta and very close to the Alabama line. What makes Bremen unique?

In this time of economic uncertainty, scary gasoline prices and a crazy home market Bremen stands apart as an oasis away from the critical problems of the day. Not that these problems don't exist in Bremen, but they exist at a somewhat lesser degree.

Economically, the entire West Georgia area has available jobs. As a real estate agent, I'm finding that many Buyers are relocating because jobs are far more plentiful here than in many northern states.

Gas prices are still terrible, but being located equidistant from Atlanta, Birmingham, Chattanooga, and Lagrange/Columbus allows for every cultural, medical, historical, sports and career opportunity to be available at a short distance from Bremen. That maintains lifestyle by stretching the travel dollar. And, no, you won't have to live in a big city to take advantage of all these wonderful things. You'll be living in a small town of about 5000 people. It's such a pleasure to enjoy the many things the big cities have to offer and go home to no traffic, little crime, and a quiet community that's very family oriented.

Housing is available at great prices and property values remain stable. New homes and renovated vintage homes are favorites. We don't have the numbers of foreclosures in Bremen seen in many other areas. Most of our home owners are stable because of their employment and the availability of desirable affordable housing. People in Bremen tend to stay here. That adds to the stability of the housing market with families able to build equity.

The western part of north Georgia boasts the foothills of the Blue Ridge Mountains, lush forests, striking hills and valleys, stunning scenery, sunny skies, good roads and wonderful people. Bremen takes full advantage of the area with hiking, hunting and country drives being cherished activities. That great universal hobby, shopping, is enjoyed locally and in the nearby cities.

Bremen also boasts one of the finest school systems in the state of Georgia. Check it out online at www.bremencs.com. You'll be impressed with the statistics, but there's more you need to know. Bremen City Schools is a small system, much like a private school, that employs incredible teachers. Sports and literary accomplishment is high priority in Bremen schools. Children get to participate in field trips everywhere from Williamsburg, VA to the coast of Georgia. The 8^th Grade week long Studycade covering the state is one field trip that is always much anticipated by students. Academic achievement is well balanced with these other activities as you'll see on the web site.

As for higher education, The University of West GA is 12 miles from Bremen and West Georgia Technical College is 2 miles away.

Remember that this is a small town.........really small. Citizens of Bremen enjoy a laid back, quiet lifestyle among families that cherish schools and friends. It's a true rare jewel in a perfect spot in the world. I'm telling you how wonderful it is, but please don't tell anyone else. We want to keep Bremen a secret. If you'll contact me, I can tell you many more reasons why you want to live here, just don't spread that around! We want to keep the secret of Bremen all to ourselves!

Remember to call me when you are ready to come our way. Ann Hobbs 770-365-2935

Ann Can! ASSURE DYNAMITE SERVICE, DAZZLING RESULTS! .