About Pickens County, GA

The pendulum is swinging wildly in our market. We as Realtors and Mortgage folks are constant having to adjust to a barrage of new Government regulations and guide lines. The fact of the matter is it was the fault of those were were supposed to regulate that were snoozing at the wheel that caused this problem. Now they have had a pot of caffeinated coffee and are hyper.

One of the victims of this hyper activity is the Stated income Loan. This loan has lovingly been referred to by some as the "liars" loan. But here are the facts. NOBODY that got a W-2 should have been allowed to do a stated income loan.The stated income loan was meant for folks with good credit scores, a history of paying on time, who were in business for themselves. Many of these folks today are finding it hard to re-mortgage and keep up with their payments even though they want to.

I am the first to say that the greed cancer needs to be removed. But right now Congress is doing it with a meat ax and not a scapel. I hope the folks at NAR are working over time to assist our representatives in understanding that abuse in loans is not the same as a bad product. The stated income loan is just one casualty of the meat ax approach to the housing mess.

Gorgeous, move-in ready new construction, in picturesque Madison Ridge subdivision in Jasper GA.

This pristine home offers 3 bedrooms and 2.5 bathrooms, as well as a huge bonus room or fourth bedroom and full daylight basement that together provide abundant space. The main level includes a spacious family room with fireplace, a separate living room and dining room, breakfast area, open kitchen, laundry room, half bathroom, and sizable master suite.

The kitchen is open to the family room and breakfast area, creating generous space for entertaining and everyday use, while equally convenient to the formal dining room. With hardwood floors, granite counters, tile backsplash, custom cabinets and stainless steel appliances (dishwasher, inset stovetop, microwave, and double-oven), this is a functional and inviting workspace with a touch of class.

Likewise the master bedroom, complete with trey ceiling and ceiling fan, extends beyond functionality to indulgence, with separate his & hers closets, and a large private bathroom. A jetted tub with large window, private toilet stall, enclosed tile shower, and separate his & hers vanities, set this bathroom apart.

Downstairs, the full basement is easily accessible from inside our outside, with an interior door and two exterior doors (including a double-door), several windows, and its own secondary deck overlooking the wooded back yard.

Outside, a landscaped 1.30 acre yard, sodded in front and wooded in back, assures room for outdoor activities, as do the two decks and covered front porch. Concrete siding and architectural shingles add the finishing touches.

The neighborhood of Madison Ridge is a small, quiet, relatively new community, with approximately 3/4 of available homes already occupied, and a number of acre-plus lots still available for additional development. Underground utilities, but no community amenities or HOA at this time.

Location is a convenient mountain setting, roughly 3-miles off Hwy 515 in South Pickens County, just minutes from Jasper and Canton, GA.

Don't miss out on the lowest priced home available for sale in the neighborhood, and a great opportunity on a quality home!

Trent D Cluley Keller Williams Realty - Select Partners (678) 493-2100 TrentCluley@kw.com http://www.TrentCluley.com Listed by: Keller Williams Realty - Select Partners

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OK so let me pose the question. Can you be for fiscal responsibility AND for extension of the real estate tax credit ? Here is the debate. Many are looking at Government spending and saying, "wow we are out of control." If you buy that argument or are even concerned then how can you be for an extension of the tax credit?

Yes I know ther tax credit has helped. We have benefited from it here. But in almost every program somebody benefits. When a program is cut somebody loses. So are you saying, "cut , but not in my back yard?"

I pose this question because sometimes we are so quick to raise our voices against government spending EXCEPT when it effects us. So now that I have posed the question I think I should get off the fence and give my opinion.

I think we should adopt the Senator from Georgia, Johnny Isaksons plan. He calls for 15,000 home buying credit for a primary residence. No other strings. This is a plan, with a reduced number, he was part of during the S&L problem a while back and it worked. I think Congress should say it will sunset after one year period. As painful as it may be we need a control on spending. Even if that spending some times works for us.