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Atlanta Real Estate is a passion and family affair for Team Betolatti. Team Betolatti has been "Truly Blessed" by being able to help others achieve their real estate goals whether buying, selling or investing in residential or commercial real estate in Atlanta or North Georgia areas. You are the priority to Team Betolatti so start your Atlanta home search here today!

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Alpharetta Homes $100k – $200k

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Acworth Homes For Sale

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5418 Silver Springs Drive, Sugar Hill, GA

CLICK HERE TO GO TO MAP
1. Head southeast on Nash Lee Dr SW toward Five Forks Trickum Rd 0.4 mi
2. Turn left onto Five Forks Trickum Rd 0.5 mi
3. Turn right onto Killian Hill Rd SW 1.7 mi
4. Turn right onto Arcado Rd 1.6 mi
5. Continue onto GA-378 W/​Beaver Ruin Rd 3.4 mi
6. Take the Interstate 85 N ramp 0.3 mi
7. Merge onto I-85 N 8.9 mi
8. Take exit 111 for GA-317 N 0.2 mi
9. Turn left onto Lawrenceville Suwanee Rd 2.3 mi
10. Continue onto Suwanee Dam Rd NW 0.3 mi
11. Continue onto Suwanee Buford Dam Rd 1.7 mi
12. Continue onto Suwanee Dam Rd 1.4 mi
13. Turn right onto Whitehead Rd 1.2 mi
14. Turn left onto Silver Springs Dr Destination will be on the left 0.2 mi

How Does The Government Shut Down Affect Your Real Estate Closings?

Many do not realize that this shutdown will actually affect even the real estate closings.  Here is a great resource showing how it will affect any upcoming closings courtesy of Ameris Bank.

Due to the government shutdown, effective 8/30 at midnight, the following summarizes the expected impact on government services.  Ameris Bank’s standard policies and procedures remain in effect, subject to change as more information becomes available.

IRS Form 4506T & Tax Transcripts

Although services for tax transcripts through IRS are expected to be impacted, Ameris Bank will continue to require signed IRS Form 4506‐T and tax transcripts, as applicable. We cannot close a loan if we do not have the transcripts returned.

Social Security Administration

Verification of Social Security Numbers through the SSA may not be available.

FEMA Flood Insurance

It is anticipated that most functions will not be affected. However, mapping issues or amendments may be impacted.

FHA

FHA Connection is expected to be operational in order to obtain case numbers, perform CAIVRS checks, obtain insurance endorsements, and pay upfront MIP premiums.

Loans with a case file number, approved appraisal, clear CAIVRS and FHA approval (if test case) may close provided all other standard requirements are met.

Potential issues include:

·         System issues preventing case #s from being obtained

·         Support staff may not be available to assist with loan level issues

·         Uncertainty concerning loans submitted for a case number but placed “On Hold”

·         Uncertainty concerning the ability to obtain FHA Project Approval if project is not FHA approved

·         Uncertainty concerning the ability to have a case number transferred from another lender

VA

Loans with an approved appraisal and clear CAIVRS may close (provided all other standard requirements are also met).

The VA has issued the following statement: 

Impact: The VA Home Loan Guaranty Program will continue to operate as normal in the event of a Government shutdown.

Lenders and Servicers should continue normal activities which include, but are not limited to, the following:

·         Lenders should continue to submit funding fees through the VA Funding Fee Payment System;

·         Lenders can obtain their Loan Guaranty Certificates in the WebLGY system;

·         Lenders can continue to order and receive appraisals and issue Notices of Value;

·         Lenders and Veterans can continue to obtain a Certificate of Eligibility online through the appropriate systems; and

·         Servicers can continue to perform loan modifications, submit claims and receive claim payments, and convey properties to VA.

 

USDA

Loans with a USDA Conditional Commitment that does not contain provisional “subject to” language and with clear CAIVRS may close (provided all other standard requirements are also met).

Potential issues include:

·         May not be able to issue new commitments or Loan Note Guarantees

·         May not operate GUS

·         Support staff may not be available to assist with loan level issues

Courtesy of:

elden

Tree Service – Renee Michels

Call Renee Michel

Michel’s Tree Service

He will not disappoint!

770-978-0672

Tree Service

sesmasSesmas Tree Service, LLC is North Georgia’s Premier Tree care specialist. We are located in Gwinnett and provide services at all of the North Georgia area. Our crews are experts in our industry with thousands of hours of combined experience. We can handle all your tree service needs promptly and professionally.

Visit SESMAS TREE SERVICE WEBSITE for estimates and information.

(678) 897-4073

Who you gonna call?

For all your real estate needs, call us at 678-666-5101.

Avoid Foreclosure

CDPE Steven Betolatti

Foreclosure Avoidance Options

Foreclosure is one of the most devastating financial challenges that a family can face and one that many times can be avoided. The options available to residents for foreclosure are many, including but not limited to short sales. Following is a brief explanation of these solutions:
Reinstatement:A reinstatement is the simplest solution for a foreclosure, however it is often the most difficult. The homeowner simply requests the total amount owed to the mortgage company to date and pays it. This solution does not require the lender’s approval and will ‘reinstate’ a mortgage up to the day before the final foreclosure sale.

Forbearance or Repayment Plan:A forbearance or repayment plan involves the homeowner negotiating with the mortgage company to allow them to repay back payments over a period of time. The homeowner typically makes their current mortgage payment in addition to a portion of the back payments they owe.

Mortgage Modification:A mortgage modification involves the reduction of one of the following: the interest rate on the loan, the principal balance of the loan, the term of the loan, or any combination of these. These typically result in a lower payment to the homeowner and a more affordable mortgage.

Rent the Property:A homeowner who has a mortgage payment low enough that market rent will allow it to be paid, can convert their property to a rental and use the rental income to pay the mortgage.

Deed-in-Lieu of Foreclosure:Also known as a “friendly foreclosure,” a deed-in-lieu allows the homeowner to return the property to the lender rather than go through the foreclosure process. Lender approval is required for this option, and the homeowner must also vacate the property.
Bankruptcy:Many have considered and marketed bankruptcy as a “foreclosure solution,” but this is only true in some states and situations. If the homeowner has non-mortgage debts that cause a shortfall of paying their mortgage payments and a personal bankruptcy will eliminate these debts, this may be a viable solution.
Refinance:If a homeowner has sufficient equity in their property and their credit is still in good standing, they may be able to refinance their mortgage.
Servicemembers Civil Relief Act (military personnel only):If a member of the military is experiencing financial distress due to deployment, and that person can show that their debt was entered into prior to deployment, they may qualify for relief under the Servicemembers Civil Relief Act. The American Bar Association has a network of attorneys that will work with servicemembers in relation to qualifying for this relief.
Sell the Property:Homeowners with sufficient equity can list their property with a qualified agent that understands the foreclosure process in their area.
Short Sale:If a homeowner owes more on their property than it is currently worth, then they can hire a qualified real estate agent to market and sell their property through the negotiation of a short sale with their lender. This typically requires the property to be on the market and the homeowner must have a financial hardship to qualify. Hardship can be simply defined as a material change in the financial stability of the homeowner between the date of the home purchase and the date of the short sale negotiation. Acceptable hardships include but are not limited to: mortgage payment increase, job loss, divorce, excessive debt, forced or unplanned relocation, and more.
This represents only a summary of some of the solutions available to homeowners facing foreclosure. Call TEAM BETOLATTI today at 678-5101 for an evaluation of your individual situation, property value, and possible options.
Understanding your options now could mean all the difference in the world.

(Material written by CDPE institute).
We can help!  Call us today! 678-666-5101