Buford, Flowery Branch and Winder, real estate and homes for sale in Georgia - Mary Ellen Small and Tim Hill, REALTORS® Mary Ellen Small and Tim Hill REALTORS(r) for Buford, Flowery Branch and Winder, Georgia real estate - NUMBER1EXPERTS™ Mary Ellen Small and Tim Hill NUMBER1EXPERTS(tm) for Buford, Flowery Branch and Winder, Georgia real estate
View Contact Information for Mary Ellen Small and Tim Hill, Realtor(r) serving Buford, Flowery Branch and Winder, GA in Gwinnett County > Pop-Up Window
Click to Email Mary Ellen Small and Tim Hill, REALTOR(r) serving Buford, Flowery Branch and Winder, GA in Gwinnett County
Login
Site Map
Mary Ellen Small and Tim Hill, REALTORŪ, real estate agents and broker for Buford, Flowery Branch and Winder, Georgia home listings, property and land for sale - NUMBER1EXPERT(tm)
SPECIALIZING IN: Barrow, Gwinnett, Hall and Jackson Counties. Call Mary Ellen or Tim (678) 963-5689


Search virtually all
local brokers' listings.


FIND OUT THE VALUE OF YOUR HOME FOR FREE!
Recieve a Free Market Evaluation of Your Home by Email Today.
Find Out More >
View All Offers >


"Thank you, thank you, thank you..."
"We will recommend you to anyone we meet or know who is looking for a home in the Atlanta area."
D. Keller
Read Quote >
View All Quotes >


Compare three mortgages at one time. Download TripleCalc now. It's free.

Real Estate - Homes - NUMBER1EXPERTS Sell More!
Mary Ellen Small and Tim Hill are some of The Top Selling Real Estate Experts™
Find Out More >
First Time Homebuyers: Buford, Flowery Branch and Winder, Georgia home buying, real estate listings, and homes for sale in Gwinnett County, GA
Welcome > For Buyers > First Time Homebuyers ...


Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose a Top Expert. 

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Buford, Flowery Branch and Winder real estate experts, it's our job to guide you, from beginning to end. 

We will take the time to go through each and every step of the buying process. There are no dumb questions! 

Together, we will consider: 

- How much can you really afford? 

- How to qualify for a mortgage. 

- How much cash you should put down. 

- How to buy a home with little or nothing down. 

- What it takes to get approved for financing. What banks and other financial institutions are looking for. 

- How much your payments will be. 

- The tax advantages of buying. 

- Is renting or buying better for you? 

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached. 

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly... 

About You
* Your Name:
* Your Email Address:
Your Street Address:
City:
State:
Country:
Zip/Postal Code:
Phone:

About Your Move
When Are You Moving?
Where Are You Moving?

About Your Home Search
Your Price Range?
Number Of Bedrooms?
Number Of Bathrooms?
Home Size In Square Feet?

Additional Info
Please Enter More Details,
Along With Any Comments,
Concerns, Or Questions:
Send Latest Listings: What is this?
Send Latest News: What is this?

*Please note that fields marked with an asterisk are required.


Email Us With Confidence
Quick Response Guarantee >
We Guarantee Your Privacy >
Free & Without Obligation >


Real Estate Tips
Financing Your Home >Home Buyers Education

As the number of mortgage lenders increases, competition forces lenders to get more creative in finding ways to lend people money. This often takes the form of giving homebuyers a "break" in the down payment. The downside of this approach is that statistically, the smaller the down payment, the more likely the borrower will default. Lenders have put together an education program to prevent delinquencies, which fills a much-needed gap in the increasingly complex world of home finance.

Home buyer education classes focus on a variety of money management topics, including all the costs connected with obtaining and owning a home. One lender got together with FANNIE MAE (a government-sponsored loan guarantor) to launch a 3 percent down payment loan which requires participation in this education course. Other lenders have shown a decline in the default rate with five percent loans that are associated with similar education courses.

See All Tips In The "Financing Your Home" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
In which 'Oil Sheikdom' of the Far East do the wealthy still choose to live in primitive houses on stilts?

A 
Brunei's oil wealth results in no income tax, free education and health services, and cheap housing loans for its average citizen.
See More Real Estate Trivia >

School Reports
See the nation's top rated reports for Schools in Buford, Flowery Branch and Winder, >



Get Our Latest Listings Before Anyone Else!
As soon as we list another home for sale, we'll email you. You'll know first.
Name:
Email:

LET OUR PREFERRED LENDER FIND YOU THE RIGHT LOAN
Buying a home is a huge step. You can trust Covenant Mortgage to find the loan program that best suits you.
Find Out More >
View All Affiliates >




Mary Ellen Small, REALTORŪ, real estate agents and broker for Buford, Flowery Branch and Winder, Georgia home listings, property and land for sale - NUMBER1EXPERT(tm)
Tim Hill, REALTORŪ, real estate agents and broker for Buford, Flowery Branch and Winder, Georgia home listings, property and land for sale - NUMBER1EXPERT(tm)

Mary Ellen Small and Tim Hill
Carriage Hill Realty, LLC

30 South Broad St.
Winder, GA 30680
Office Phone: 678-963-5689
Mary Ellen: 404-395-1177
Tim: 678-227-3437
Fax: 1-866-428-5794
Email: SELL@CarriageHillRealty.com

Relocating, moving-up, or first time homebuying? Your priorities come first with Mary Ellen Small and Tim Hill. A broad marketing program and top-notch customer service are the keys to a hassle-free experience for their clients. As multi-million dollar producers, they have the background and negotiating skills to get the job done efficiently. Tim is a local, born and raised in this area, while Mary Ellen has been a resident since 1987. They have immense knowledge of the marketplace and the people. Buying or selling a home is one of the most important decisions of your life. Be sure you use the services of true professionals. Call or email Mary Ellen Small and Tim Hill, Brokers/Owners.

ABREqual HousingMLSREALTOR


Carriage Hill Realty, LLC real estate and homes for sale in Buford, Flowery Branch and Winder, Georgia

www.SOLDbyMaryEllen.com is brought to you by Mary Ellen Small and Tim Hill
NUMBER1EXPERTS™ in real estate for Buford, Flowery Branch and Winder, Georgia

Read our Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge




USA and Canada Real Estate - NUMBER1EXPERT
NUMBER1EXPERT™
© Best Image Marketing and/or its clients.
All rights reserved. All information deemed reliable but not guaranteed.



This Buford, Flowery Branch and Winder, Georgia web site is brought to you by Mary Ellen Small and Tim Hill, REALTORŪ


Return to Top >