Joseph Harrison

Nattie Em's Old Town Cafe, 1414 Newcastle St. (Coming Soon- August 1st)

Cargo Portside Grill, 1423 Newcastle St., 267-7330

4th of May, 1618 Newcastle St., 262-0699

Daddy Cate's Coffee, 302 Gloucester St., 264-9363

Fox's Pizza Den, 1429 Newcastle St., 265-4490

FTG Cafe, 1402 Reynolds St., 279-1090

Bad Dawg BBQ, 1510 Gloucester St., 265-0373

Hungry Hannah's, 606 Gloucester St., 265-8108

Jim's Corner Cafe, 1312 Newcastle St., 267-5630

Subway, 1600 Newcastle St., 342-1092

Arte WoodFire Pizza, Newcastle St. (next to the Ritz)

P & D Deli, 3015 Norwich St., 280-1212

Salvador's Deli, 205 Gloucester St., 264-1543

Pearl, 1401 Newcastle St., 265-0111

Twin Oaks, 2628 Norwich St., 265-3131

Caleb's Crossing is a townhome community in Northern Glynn, off of Harry Drigger's Blvd. this is a premium location, convient to great schools, shopping, employment, recreation, and churches. The community features a large lake, a salt-based pool, and playground area.

Units vary from 1100 square feet , two bedroom , two baths ----- to 1500 square feet , three bedroom , two and a half baths. Also, some units are two story. All units have an individual driveway, rear patio, and private mailbox. Many units also have one car garages.

This is a pet friendly community and there is miles of concrecete sidewalk that run parallel to Harry Driggers Blvd to take your furry friends for an excursion.

Caleb's Crossing boasts one of the lowest HOA fees in the area-- only $90 per month!! The landscape is maintained on a weekly basis, mowing grass, weedeating, pruning, and re-strawing flower beds is all part of the package. Also paid for by your HOA fees is a future roof replacement in a specified number of years, and a yearly pressure wash on the exterior siding and fence surrounding the community. So you can see, the HOA fees allow some bang for your buck!

Currently the lowest priced unit is a 2/2 with 1100 square feet that is listed at $120,000. The median price amongst all available units is $134,255. The final phase of the community was just developed and is located on "Joshua Circle". The sellers of many units in this newly developed phase are offering 3% towards closing costs and 2009 HOA fees paid as buyer incentives.

Go to my website at www.RealEstateofGlynn.com and click on the "Properties" tab, then use the "Online MLS Search" to view the current listings in this community. Caleb's Crossing is found by selecting "North Glynn" and then selecting "Caleb's Crossing" under subdivisions.

Feel free to contact me for further information.

Joe Harrison

Avalon Properties Group

912-230-4294

Joseph-Harrison@Live.com

Come down to Howard Coffin Park in Brunswick, GA this Saturday, June 13th, to watch the world famous frisbee dogs!! The event is sponsored by "Suzie's Friends" a local spay/neuter hospital and adoption center striving to "fix" the feral cat population by offering affordable cat spay/neuter services starting at $39.95 . Go to www.suziesfriends.org for more information.

Performance times are 10:00 am, 1:00 pm, and 4:00 pm.

Here's a sample of what you can expect this Saturday.

Are you upside down?

The mystifying "short sale" is becoming a more common phrase when it comes to the sale of homes in today's market. There is a very particular reason it is thus. According to the U.S Department of Housing and Urban Development, a short sale allows the mortgagor in default to sell his/her home using the net sale proceeds to satisfy the mortgage debt, even though these proceeds are less than the amount owed.

In other words, if you are a homeowner who bought their home at the peak of the market and hardships have now made it impossible to keep up with the payments, you will sooner or later go into default on your loan. At this point you may decide it is time to sell the home and move on. However, much to your dismay, the real estate market has declined and you are not able to sell the house for what you owe on it. What now? You are tapped out and don't have the extra money to pay the difference in what the house brings from sale and what is actually owed. Do you have a solution short of an ominous foreclosure? Sure you do, it's time to recruit a skilled real estate professional who has experience in performing short sales.

Once you have a real estate professional on board to help short sell your home, it's time to get to work. Short sales are one of the most difficult and complicated residential transactions in the market. The mortgage banker usually requests such items as the seller's : 2 years of most recent tax returns, 2 months of most recent pay stubs, other updated financial information, a hardship letter, a purchase agreement, estimated HUD-1 net proceeds form, sales comparables, and other various documents.

Once the bank has all the information they need, it will hire an appraiser or a local real estate agent to determine the value of the home. The bank will compare the value received from their appraiser or real estate agent to the offer submitted and decide whether they feel it is an acceptable offer. This is the point where it is important to have a good real estate professional on your side who knows how these banks work and understands how to negotiate in these circumstances.

The whole process is extremely long and drawnout, however, if successfully performed the advantages of a short sale include:

• credit only dinged, not damaged
• you should be able to buy again in 3 years ( with good credit )
• attorney's fees paid by bank
• realtor fees paid by bank
• no court settlement, and therefore, information not public
• additional lien holders are negotiated

In a foreclosure:

• credit gets damaged
• you most likely won't be able to buy again for 7 years
• you will be responsible for attorney's fees
• there will be a court settlement and information is made public
• if you have additional lien holders, they can garnish your wages

If any one has any more questions regarding short sales, feel free to contact me at:

Joseph-Harrison@live.com

or contact me on my website: www.RealEstateofGlynn.com

• The city lies about 30 miles north of Florida.
• It was settled in 1738, founded in 1771, and incorporated February 22, 1856.
• Plans for the city's streets and squares were laid out in grid-style following James Oglethorpe's Savannah Plan.
• In 1789, George Washington proclaimed Brunswick as one of the five original ports of entry for the United States.
• The city's metropolitan area is the twelfth-largest in the state and includes the counties of Glynn, Brantley, and McIntosh.
• The Port of Brunswick is the fourth largest automobile port in the eastern United States.
• Brunswick is the center of Georgia's shrimp and crab industry, attributing to the city's nickname, the "Shrimp Capital of the World."
• Brunswick hosts the headquarters facility of the Federal Law Enforcement Training Center (FLETC), an agency of the United States Department of Homeland Security.
• The area of the city is approximately 25.2 square miles