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SPECIALIZING IN: Barrow, Gwinnett, Hall and Jackson Counties. Call Mary Ellen or Tim (678) 963-5689
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"You made our buying process so easy!"
"We have and will continue to recommend you to our friends and family. Thanks for everything"
M. and N. Matthews
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Mary Ellen Small and Tim Hill are some of The Top Selling Real Estate Experts™
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Do You Have a Real Estate Related Question? We Will Email You an Answer Quickly. As top local real estate experts, it's our job to help! Please take advantage of our experience and knowledge. Ask us anything about: - Any particular home that is or was on the market. - Neighborhoods and local market trends. - Local demographics and the economy. - Tricks and traps when buying real estate in this area. - Special tax considerations regarding real estate. - Specific questions about contracts, escrow, and closings. - Anything real estate! It's our job to know EVERYTHING about real estate! Ask us anything. There are no dumb questions! It's FREE, and we promise to get back to you quickly... 
First Time Buyers >More Down Payment Help
One of the most common deterrents to first-time home buyers is the lack of a down payment. However, the home loan industry has practically re-created itself in the last ten years, making it easier than ever to obtain a mortgage, and new mortgage programs are always cropping up.
Some states sponsor loan programs that allow buyers to purchase a home without putting any money down. A parent or other relative can guarantee repayment of ten percent of the loan if the buyer defaults. The only cash needed is for the closing costs, which typically run about three percent of the loan. Parents can also give their children down payment help through a personal note or second trust deed. The terms can be set up for monthly payments or annual payments amortized over a period of time. You could pay the interest only, and have the payoff due when the property is sold.
With so many alternatives, doesn't it make sense to call your real estate agent for a free consultation? You may be closer to home ownership than you think.
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What is a "smart home"?
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A "smart home" is equipped with structured home wiring packages that control the home's systems via networked technologies. |
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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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