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SPECIALIZING IN: Barrow, Gwinnett, Hall and Jackson Counties. Call Mary Ellen or Tim (678) 963-5689
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"We will recommend you to anyone we meet or know who is looking for a home in the Atlanta area."
D. Keller
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Mary Ellen Small and Tim Hill are some of The Top Selling Real Estate Experts™
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Find Out About the Latest Area Homes for Sale THE DAY They Hit the Market! By signing up to receive latest listings, we'll send you an email notice daily to let you know of homes that have just entered the market. You will only recieve homes that match your criteria, and you can modify your search at any time by simply letting us know. You'll have a chance to know exactly what is going on in your target neighborhood. There is absolutely no obligation, and this service is free of charge. Simply give us as much detailed information about your next home as you can, and we will set up the search for you. We will let you know if we need additional information to narrow a broad search. Don't miss out! Get an email as soon as new properties come on the market in any metro Atlanta area you choose! There's no obligation, and you can stop our emails with one click. Just fill out this form to get started... 
Financing Your Home >Lenders Want to Say Yes
If you wish to buy a home but consider yourself incapable of getting credit, you may be living in the past in terms of assessing your financial situation. Lenders have become more flexible in underwriting mortgage loans.
A recent survey of mortgage lenders revealed some interesting trends. Ninety-six percent of those surveyed had cut their standard down payment requirements for moderate-income buyers, and 93% said they are more lenient regarding debt-to-income-ratios. Ninety-four percent of those surveyed said they now have more flexible approaches to credit histories, and look at rent and utility payments more than credit cards. Seventy-nine percent of lenders say they have relaxed employment criteria. They now look more at your capacity to generate a stable flow of income rather than requiring a long history at one job.
There are more lenders today, and they are in fierce competition with each other. The home loan industry has created entire markets that cater to those with less-than-perfect credit.
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What is the average age range of a second-home buyer in the United States?
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Currently, second-home buyers in America are most often between 41 and 44 years of age. |
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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.    
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