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WHAT WILL MY HOME SELL FOR? WHICH AGENT IS BEST SELLING YOURSELF SETTING THE PRICE HOME STAGING SELLING PROCESS NEGOTIATING AS A SELLER TAX IMPLICATIONS 1031 TAX EXCHANGE SELLERS RESOURCE CENTER SELLER ASSISTED BUYING Home Loan Center HOME LOAN CENTER LOAN PROCESS TYPES OF LOANS TYPES OF LENDERS 0 DOWN VA VET LOANS FHA HUD COP NEXT DOOR NURSE-DOCTOR HOME LOANS TEACHER HOME LOANS MILITARY HOME LOANS SINGLE PARENTS STATE SPONSORED GIFTING PROGRAM POOR CREDIT RAISE CREDIT SCORE ESCROW CREATIVE FINANCING Property Spotlight 1 of 5 photos Ellijay For Sale $7,900 0 Beds / 0 Baths Buildable, Gentle Wooded Lot that has new survey & soil test complete... more >> 1 of 3 photos Blue Ridge For Sale $31,250 0 Beds / 0 Baths FORECLOSURE LOT!!!! Great lot with Gentle, Rolling Terrain, Mountain View, All paved roads, End of the Road Privacy. Property is being sold as-is with no warranties expressed or implied... more >> 1 of 3 photos Blue Ridge For Sale $33,700 0 Beds / 0 Baths FORECLOSURE LOT!!!! Great lot with Gentle, Rolling Terrain. Long Range Mountain View can be aquired on this lot with tree trimming!! All paved roads, End of the Road Privacy... more >> 1 of 2 photos Ranger For Sale $40,000 0 Beds / 0 Baths Endless Panoramic Mountain Views are what youll get from this 1... more >> 1 of 8 photos Ellijay For Sale $53,000 2 Beds / 1 Baths 40 ft Hy-Line Camper with Bay Window that overlooks the river! Upgrades include high efficiency stack washer & dryer, 2 slideouts, ducted heat and air, six sleeper, 2 door model... more >> 1 of 5 photos Blue Ridge For Sale $55,000 0 Beds / 0 Baths Superb Lot in Upscale Subdivision! Beautiful Panoramic Views of Layers & Layers of Mountains!!.. more >> 1 of 4 photos Ranger For Sale $55,000 0 Beds / 0 Baths Endless Panoramic Mountain Views are what youll get from this 1... more >> 1 of 1 photos Blue Ridge For Sale $114,000 0 Beds / 0 Baths 278 Ft. of Little Fightingtown Creek Frontage!! Gentle laying lot with Easy Creek Access. Excellent Building Site Sits Above this Noisy Creek thats one of North Georgias Premier Trout Streams... more >> 1 of 7 photos Blairsville For Sale $119,900 3 Beds / 2 Baths SHORT SALE!! BRING ALL OFFERS!!!!! Great Low Maintenance Ranch Style Home with Custom Floor Plan!.. more >> 1 of 1 photos Blue Ridge For Sale $134,900 0 Beds / 0 Baths 613 of Little Fightingtown Creek Frontage!! Gentle laying lot with Easy Creek Access. Excellent Building Site Sits Above this Noisy Creek thats one of North Georgias Premier Trout Streams... more >> 1 of 5 photos Blue Ridge For Sale $139,900 0 Beds / 0 Baths 9... more >> 1 of 8 photos Morganton For Sale $149,900 2 Beds / 3 Baths Retreat to the Mountains and Enjoy Getting Away to this 2BR/3BA Cabin with a Year Round Mountain View From All Three Levels!.. more >> 1 of 0 photos Mineral Bluff, For Sale $174,900 2 Beds / 2 Baths Enjoy Peace, Quiet & Privacy in the Mountains from this 2BR/2BA cabin sitting on 6 acres..... more >> 1 of 8 photos Blue Ridge For Sale $189,000 2 Beds / 2 Baths Great Bargain on this 2BR/2BA home sitting on 4... more >> 1 of 5 photos Blue Ridge For Sale $199,000 0 Beds / 0 Baths Over 1300 of creek frontage, rolling pasture land and majestic mountain views all encompass this 12.45 acres... more >> 1 of 0 photos Blue Ridge, For Sale $220,000 1 Beds / 3 Baths Still under construction but approx. 95% complete! 1BR/2BA and sleeping loft on 1.7 acres with 175 of Toccoa River Frontage!! Come in and finish the way you want..... more >> 1 of 8 photos Cherry Log For Sale $259,000 3 Beds / 2 Baths This property has it all...lake frontage, creek frontage, private location and tons of charm! Fully Furnished 2BR/1... more >> 1 of 8 photos Blue Ridge For Sale $275,000 3 Beds / 2 Baths Astonishing Views of Lake Blue Ridge & Multi-Mountain Layers are what youre going to get from almost Every Room of this Cabin!.. more >> 1 of 0 photos Blue Ridge, For Sale $279,000 2 Beds / 2 Baths Prow Front Chalet with tons of glass so you can see the Year Round Long Range Mountain & Pasture views!.. more >> 1 of 0 photos Reliance For Sale $439,000 3 Beds / 3 Baths New 4536 Sq Ft Home In The Mountains Sitting Among Towering Pines And Hardwoods Perched On A Mountain With Mountain Views. National Forest Borders 2 Sides And Offers Total Privacy... more >> View All Our Picks >> Buying a Retirement Home Buying a vacation home that doubles as a future retirement home requires forethought and thorough investigation. Buying a retirement home can be trickier than you think! Conventional wisdom tells us to first settle on a desired location and then look for the least expensive house in the best possible neighborhood. This is of course true, but buying a future retirement property demands additional consideration. Without a doubt, the purchase of a dual purposed home can be one of the most important and financially rewarding decisions a pre-retirement couple undertakes. Quite simply, the ultimate home buying decision comes down to establishing relatively conservative financial boundaries, drawing up a wish list and employing a real estate broker to find a home that will serve your needs now and in years to come. Even prior to the financial planning phase, a vacation and future retirement home buyer should take a step back and make certain that there is 100% commitment. Ask yourself a few simple questions. First, is it possible that your financial position could materially change for the better or worse in the upcoming years? Have you decided on a location that requires a dramatic environmental change? What about relatives, does it matter that their next trip may require a flight instead of a drive? If you've answered 'yes' to any of these, our advice is to find a long-term rental in the area and give it a test drive. If, on the other hand, there are no doubts, it is time to set your financial parameters. Once the decision is made to move forward, you need to figure out how much of a home you want and what type of home you can afford. The latter is a bit easier to quantify as most financial institutions prefer mortgage payments that are less than 29% of gross monthly income. However, if you have a good financial track record, banks will afford you some latitude. Obviously, lending rates are a crucial factor in this equation, especially if you go the adjustable rate route. A word of caution: be careful of Adjustable Rate Mortgages that look particularly attractive in today's low interest rate environment as an uptick in rates could lead to a potentially unpleasant financial situation. Remember that buying now for a future retirement is a long term proposition and your new investment should appreciate with no financial carrying cost surprises. An additional factor to consider is whether your prospective vacation property can provide rental income before it becomes your full-time retirement home. If so, you would be able to deduct a portion of your mortgage interest payments, taxes and property amortization against the rental income. In other words, it is a great way to build equity and create additional cash flows. It should come as no surprise that an increasing number of people have taken advantage of this strategy. After defining your financial boundaries, it's time now to come up with your wish list. What do you want in a home? How many bedrooms and baths? Do you want to live in a private gated community or out in the country? Does it have potential as a rental property? In addition, off-site criterion should be established to ensure that all aspects of your vacation home experience are amenable to your current and future retirement lifestyle. For example, are there property management services and what about local conveniences such as transportation and healthcare facilities? Now that you are armed with your financial parameters and wish list it's time to find a local broker and see what's available. Almost 70% of home buyers leverage the internet to research properties so if you haven't already, it's time to start surfing the web. Simultaneously, you should be refining your financing plan by contacting a number of financial institutions and mortgage broker aggregators. Don't be bashful, comparative shop with at least two or three companies to ensure that you understand the various financing options and are being offered the best deal. As we all know, the relationship with a broker is extremely important. A broker must truly understand your financial parameters, desired home criterion and lifestyle objectives. Brokers are normally paid for by the seller. Therefore, it's your job to establish the broker and buyer relationship that best works for you, not the seller. Remember, this is your vacation and future retirement home. With a bit of good luck, buying a vacation and retirement home can yield some interesting financial benefits including long term capital appreciation and additional cash flows. Thorough planning can help mitigate future uncertainties and make the home buying process into a truly rewarding experience. Article by Robert Flournoy-- a writer for Golf Home Connect.

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