About Union County, GA

North Georgia Blue Ridge Mountains | Blairsville, Georgia | Union County | Fatz Cafe


Today, the sun came out and the skies were blue again after eight straight days of rain. Torrential downpours at times with Ellijay getting as much as 4 inches in just a few hours. The North Georgia Mountain creeks and rivers were rolling for sure but we were more fortunate than our neighbors to the south and west of us. Paulding County for example, got as much as 15 inches of rain on Sunday alone. Areas that have never flooded, areas designated as not being in a flood zone flooded. My son's house had a near miss but a long time friend's house wasn't as fortunate. Neither house is in a flood plain.

I took a short drive to revamp my spirit and headed to Blairsville for lunch at one of my favorite places, FATZ. I make this 20 mile trip from Blue Ridge about once a week for the sole purpose to have lunch at FATZ. The drive is beautiful and FATZ has great food, a wonderful menu selection, comfortable ambience and the service is great so it's a nice all around quick trip to enjoy a leisurely lunch.

I arrived and was greeted in their usual friendly manner. My server came over and said his name was Sam and he would be taking care of me. I didn't know Sam, had never seen Sam before. Talk about exceeding all expectations and providing excellent customer service! Sam was friendly but professional, attentive but not overbearing, and I could just tell it was as natural to him to be genuinely courteous and caring as it was to breathe. Sam had a large party to serve and several smaller parties but everyone in his section got his undivided attention. I complimented Sam for his excellent service and other diners sitting nearby echoed my praises.

Sam, should you see this blog, thank you again for your exceptional service today. You helped me slow down and appreciate a beautiful, sunshiny day and reminded me of my own personal goal to provide exceptional customer service. You inspired me and renewed my energy. It's easy to see why FATZ is so successful because employees like you are an integral part to their continued success.

So, anyone living or visiting in or around Blairsville, treat yourself to dining at FATZ and maybe you'll get really lucky to have Sam serve you.

FATZ
Party Tray Menu
Dine In Menu
Lunch Specials Menu
Tailgate Menu
Classic Tuesdays Menu
Kids Menu
Downhome Sunday

Find a FATZ Need driving directions? Click Here

Donna Yates, Georgia Realtor
Coldwell Banker High Country Realty
706-633-0644 cell
706-632-7311 x252 office
Move 2 North Georgia
donna@ellijay.com

Coldwell Banker earns the prestigious J. D. Powers Award for 2009

North Georgia Blue Ridge Mountains | Blairsville, Georgia | Union County | The Sourghum Festival

It's almost that time of year again! My favorite time by far. I love autumn in the North Georgia Mountains. The air is fresh and crisp and leaves explode with vibrant color against the blue mountain ridges. For me, it's the most wonderful time of the year.


In the evening, enjoy a warm fire and end the day with a feeling of pure comfort and joy. Yes, I do love autumn in North Georgia, and with autumn comes great fall festivals. Soon, we will be celebrating

THE 40^TH ANNUAL SORGHUM FESTIVAL

This is Blairsville's most famous event, taking place the 2^nd and 3^rd weekend in October. Locals and visitors come together to celebrate the rich mountain heritage of this quiet town. Sponsored by the Blairsville Jaycees, the admission and parking is free and will be held at Blairsville's Meeks Park starting at 9:00 a.m.

The Jaycees have sponsored this family friendly festival for 40 years. The Blairsville Jaycees are not a very large group but they certainly have accomplished by far the largest and one of the most popular festivals in North Georgia with strong support from many local businesses. For more information, contact:

Blairsville Jaycees
P.O. Box 701
Blairsville, GA 30514
(706) 745-4745

Also, one of the largest parades in the mountains takes place on October 10 at 11:00 a.m. (first Saturday of the festival). Marching bands and creative floats are sure to please the crowd.

The Parade Route

Directions to Meeks Park

Schedule of Events

Move 2 North Georgia

Donna Yates, Georgia Realtor
Coldwell Banker High Country Realty
706-633-0644 cell
706-632-7311 x252 office
donna@ellijay.com

Coldwell Banker earns the prestigious J. D. Powers Award for 2009

Owner Financing on Homes and Lots IN THE NORTH GA MOUNTAINS:

IMPORTANT PROPERTIES CHANGE DAILY SO PLEASE CALL OR EMAIL FOR A COMPLETE AND UPDATED LIST. tHANKS

Click here to view properties

What is Owner Financing?

(aka "Seller Financing")

You might be thinking, "Hey, could I just make payments directly to the seller instead of getting a mortgage? Then I wouldn't have to qualify for the mortgage." That indeed could be a good deal, except that owner-financed deals like this are rare. Here's why.

The seller has to pay off their existing mortgage before they can sell.

Let's say the seller is selling the house for $150,000 house, and they've got $110,000 left on the mortgage. If they sell it the regular way, where you get your own loan from a bank, then $110,000 of the your new mortgage will pay off the seller's old mortgage, and the seller will wind up with $40,000 in cash.

But if the seller wants to owner-finance to you, then s/he'll have to pay off the existing mortgage first. Does the seller have a spare $110,000 lying around? Probably not. So in most cases, sellers can't owner-finance to you even if they wanted to, because they don't have the means to pay off their existing mortgage.

The seller wants all their cash up front.

With a regular sale, the seller gets all the cash up front. When they owner-finance, the money trickles in, month by month, for 30 years. So most sellers prefer a regular sale so they can get all their money up front. After all, what's the most common reason people sell a house? So they can buy another one. And they'll likely need the money from the sale of the old house to use as a down payment on the new house, or to fix it up, or both.

Another reason the seller might not want to owner-finance is that they don't expect to live another 30 years in order to collect all the payments. This is especially true if the seller is over 40.

So you see, sellers usually either can't seller-finance, or they don't want to. That's why you'll rarely find houses that are owner-financed.

Of course there are exceptions. Here are cases when owner-financing is a possibility.

• Financing as an investment. If the seller doesn't need all the proceeds from the sale right away, then owner-financing a home can be a great investment. When you put money in the stock market, you might get 6%, or maybe a little more -- or you could lose 5, 10, or 20%. By contrast, owner-financing gives the seller a guaranteed return of whatever the interest rate on the loan is. Further, sellers who owner-finance can charge a higher interest rate than banks because seller-financing often makes the deal attractive to the buyer, especially if the buyer couldn't qualify for a bank loan. The main risk to the seller is that the buyer will fail to make the monthly payments (known as "defaulting" on the loan), but in that case the seller can reclaim the house ("foreclose" on it) and sell it to get their money back. The seller is fine as long as they can sell the house for at least as much as is left on the loan.
  
  
• You offer a higher interest rate. One way you might be able to convince an owner to seller-finance is to offer to pay a higher interest rate. Of course, you wouldn't make such an offer if you're able to qualify for a bank loan, but if you can't get a bank loan, then offering a higher rate directly to the seller might be what it takes to get you into the home you want. Also, once you've had the home for a year or two and your financial situation improves you might be able to move that loan to a bank.
  
  
• The seller finances only part of the loan. Once I wanted to buy a home but I couldn't come up with the last $36,000. (I had no more cash left and couldn't get a bigger loan.) But I really wanted the house. So I asked the owner to owner-finance just that small part of the cost of the house, and I offered him twice the prevailing interest rate. He accepted. A year later I was able to easily move that loan to a bank at half the interest rate, so I only had to pay the higher interest for one year.
  
  PLease Contact Amanda BRock, Realtor Today
  Email: amandabrockrealtor@windstream.net
  Phone: 706-897-6636 Cell or 706-745-2188 Office

If you are looking for Blairsville, GA Real Estate Foreclosures
you have come to the Right Place!

AMANDA IS THE NORTH GA FORECLOSURE EXPERT. VISIT WWW.MOUNTAINCABINREALTOR.COM

Foreclosures in
Blairsville, Blue Ridge, Hiawassee, Young Harris, Morganton, Suches
AND Ellijay.

Remember, Foreclosures Change Daily so Call or Email me for an Updated List.

Blairsville Foreclosures- Click here to view properties

Hiawassee/ Young Harris Foreclosures-
Click here to view properties

Blue Ridge Foreclosures- Click here to view properties

CALL ANYTIME FOR MORE INFORMTION OR TO SET UP AN APPOINTMENT
CELL: 706-897-6636


IMPORTANT INFORMATION:

Have You Wondered What Foreclosures Have Been Sellinf For.... I Can Email You the List and Sell Price Sheets for Recent Foreclosures.


Email: amandabrockrealtor@windstream.net
Cell: 706-897-6636

I am Proud to introduce you Union Realty Company. We have been successful in this tough market because of our exceptional website and internet marketing plans, and our commitment to professionalism and hard work .

According to The National Association of Realtors Over 85% of home buyers search online for homes. The traffic to online real estate marketplaces is sky-rocketing. Our company and I will list your home on over 25 different websites so your home is constantly in the eye or the public. You are also Advertised in Numerous Magazines, Newspapers, Ect.

We are seeing an improvement in the North GA Market now that interest rates have declined to an all-time low. Please contact me today for a Free
Market Analysis of your property.

If you are considering selling your home hire someone like me, who wants to earn your business. I invite you to contact me as I'd be happy to discuss our listing program and marketing plan with you.

PLease Email Me Today for a List of Recent Foreclosures and Homes with Owners that Are Very Motivated To Sell.

Visit www.MountainCabinRealtor.com

Amanda Brock, Realtor
Union Realty CO
706-897-6636(Cell)
or 706-756-2188