Search for Properties | Featured Listings | Buying | Selling | Area Info | Contact  Quick Links HOME PAGE HOMES FOR SALE FEATURED LISTINGS FORECLOSURES COMMUNITIES LIST WITH US MEET THE TEAM NEW LISTING ALERT 15 SECOND APPRAISAL SCHOOL INFORMATION HOME BUYING SELLING A HOME FREE REPORTS FORMS HOME FINANCE FINANCING TERMS TOOLS TODAY'S RATES TESTIMONIALS LOCAL NEWS MOVIE TIMES  Communities ALL COMMUNITIES BLUE RIDGE BLAIRSVILLE CHERRY LOG TURTLETOWN ELLIJAY JASPER MORGANTON COPPERHILL HIAWASSEE MURPHY TALKING ROCK MINERAL BLUFF DUCKTOWN HAYESVILLE YOUNG HARRIS DIAL Buying a Home HOME SEARCH NEW HOMES FEATURED LISTINGS OPEN HOUSES NEW LISTING ALERT THE BUYING PROCESS HOME LOAN PROCESS FINANCE CENTER FIRST TIME HOME BUYING HOW TO HIRE AN AGENT HOW TO HIRE AN INSPECTOR INSPECTION CHECKLIST NEGOTIATING AS A BUYER TAX BENEFITS HOME BUYING BUY AS AN INVESTOR BUYERS RESOURCE CENTER DOWN PAYMENT ASSISTANCE BUYING RETIREMENT HOME BUYING FIXER UPPER 2ND HOME BUYER BUILD OWN HOME TYPICAL FAMILY BUYER SINGLE BUYER VACATION HOME BUYER HOME MOLD INSPECTION REMODELING HOME INSURANCE Selling a Home WHY USE US WHY LIST WITH US WHAT IS MY HOME WORTH? 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 >> Vacation Home Buyer The second home market is booming! In fact, recent studies by THE NATIONAL ASSOCIATION OF REALTORS report that 23% of all homes purchased in 2004 were for investment, while another 13% were vacation homes. There are about 72.1 million owner-occupied homes in the U.S. Many lenders require buyers to put down at least 20% on a second home, and some require 25% or more. Renting out a vacation home is a good way to cover some of the cost, but lenders often factor in a 25% vacancy rate when determining your qualification for the loan. The lesson is clear: Don't be overly optimistic on rental income--and you're nuts if you think the vacation home will pay for itself immediately and in perpetuity. A vacation home can be just about self-sustaining, but it takes careful planning and hard work. You shouldn't buy a second home on the assumption that it will pay for itself. If you plan to rent your vacation home, it's a smart idea to post the rent 10% to 20% higher than your monthly mortgage payment in order to cover costs. Chances are you'll have to hire someone to maintain the property in your absence, and unexpected repairs are a given. Also remember that the most lucrative times to rent are the same times when you and your family will want to enjoy the getaway--summer and Christmas. You'll also have to decide what type of property you want: a house or a condo. Condominiums are great because routine maintenance is included in the association fees, so you won't have to hire anyone to cut the grass or make routine repairs. Here are several steps you should keep in mind when considering a vacation home purchase. Start with a plan. You should start with a business plan just as you would if you were starting any new business. To be confident of a sound investment takes a lot of research. Make sure you are purchasing with your wallet not your heart. It's easy to get caught up and sign on the dotted line when you see that gorgeous beach home or perfect ski resort. Learn about the area. Is it a new area? Or is it an older, more developed area? This makes a lot of difference, because if you are looking to purchase in an area that's well developed, there's less to worry about. But in an emerging market you should exercise caution to be sure that there are not so many new developments that the inventory exceeds demand. Leave your options open. You may want to buy a vacation home with no intention of ever renting it out. But while today it may be financially feasible to not rent your home, you're never sure what the future will bring. It's wise to purchase in an area that allows you to easily rent your property. Use your real estate agent. Pick your agent's brain. Ask tons of questions. Scour through his or her Web site and absorb as much information as possible. After all, your agent is getting paid to be knowledgeable in this area. Use his or her expertise to your advantage. Look for large, reputable developers. Developers do more research than any single buyer could ever dream of doing. They invest thousands of dollars into researching the market, tourism, growth and inventory. So if you follow large developers, your chances of failing are significantly less.

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