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Tranquilla Hall at Buckhead in Final Phase – Only Four Opportunities Remain!

Categories: Uncategorized | Posted: December 8, 2014 | Comments Off on Tranquilla Hall at Buckhead in Final Phase – Only Four Opportunities Remain!

One of our leading communities, Tranquilla Hall at Buckhead, is rapidly approaching full capacity. This popular community has incredible amenities, delightful floor plans and is in close proximity to everything you could possibly want in a stress-free suburban setting. Time is running out if you want to meet your new neighbors at Tranquilla Hall – we have two sites available for you to select the home that best fits your needs, and two brand new homes on lovely parcels waiting for families just like yours. After they’re gone, there’s bound to be a long wait to move into this lovely community – it will surely be quite some time before any of our residents decide to sell their homes!

Envision yourself in one of our eight available floor plans. From the spacious Ellington at 3441 square feet to the cozy Whitemarsh at 2036 square feet, we offer homes ideal for families of all sizes at Tranquilla Hall at Buckhead. Choose one of our two remaining large, generously wooded home sites and select the floor plan perfect for your lifestyle! You can also move right in to one of two amazing residences – ask our Sales Team about our final inventory homes.

One of the Buckhead group of communities, Tranquilla Hall has all the amenities you want. The lovely gated community pool features full rest rooms and a kitchen for private parties. Your children will enjoy the delightful playground, and you can book time on the tennis courts, basketball courts, or the ball field. The gorgeous community room makes entertaining for large groups a breeze! Reserve it for birthday parties, showers or holiday gatherings.

Parents love the highly regarded Richmond Hill schools, ranked among the highest in the state. The community of Richmond Hill is a delightful old-fashioned town full of historical points of interest, quaint shops and a gorgeous park, yet it has all the modern conveniences you could ask for – shopping, grocery stores and a variety of restaurants at all price points. Easy access to I-95 and Highway 17 means you’re mere minutes away from Ford Plantation, Fort McAllister and the Fort McAllister Marina, the Savannah/Hilton Head International airport and the city of Savannah.

With the clock ticking, it’s important to make your move while there’s still time! For more information on the last four spaces available at Tranquilla Hall at Buckhead, please call our Sales Team at 912-660-9673, or drop us an email today!

A Room of Their Own – Decorating for Kids

Categories: Uncategorized | Posted: November 29, 2014 | Comments Off on A Room of Their Own – Decorating for Kids

You probably think of your kids as smaller versions of yourself – most parents do! However, they have special needs and passionate desires that as an adult, you may have forgotten about. This is especially true when you’re decorating your child’s room. Many parents create rooms for their children that are basically the same as their own, except for the bedding. While parents choose sheets and coverlets that their children request, they often overlook other details that make a child’s room more appealing to the little person who lives there. Think about incorporating some of these hints and tips into your decorating scheme:

  1. Glow, Glow, Glow!

Make bedtime fun by adding glow in the dark paint accents to your child’s room. Available at most home and craft stores, these paints or paint additives make turning out the lights an adventure.

  1. Lots of Lighting

Make sure that there are several options for varying levels of light in your child’s room. Some children have a lingering fear of the dark, so make sure they have nightlights or low-wattage bedside lamps available to soothe their discomfort. If possible, make sure that overhead light switches are within your child’s reach, or provide a sturdy stepstool right under the switch that gives them the necessary few extra inches.

  1. Say Goodbye to Storage Woes

Many children hate tidying up because the storage solutions in their rooms just don’t work for them. By keeping shelves, drawers, hanging racks and chests at the proper height and lightweight, children can get to them easily and use them properly. Stuffed animals everywhere? Use a hanging shoe organizer to keep them tucked away! The plastic construction makes them easy to see, and their heads can poke out of the end, allowing them to ‘breathe’. Or make a great t-shirt wall quilt for storing items, like this one from Martha Stewart.

Shirt-Pocket Quilt

4. Fun Furniture

When decorating a young child’s room, consider buying used furniture at a thrift store or flea market, or finding pieces on Craig’s List or Freecycle. Strip the furniture, then with your child, select new paint and create a masterpiece! Let your child help – incorporate hand or finger prints of paint into the design, or plan for speckles or polka dots that little hands can create. You can strip and refinish the furniture as often as you like! And since the furniture was obtained cheaply, when it is outgrown, it won’t be expensive to replace.

  1. Wall Art

Removable wall transfer art (such as the popular line of Fatheads) is becoming incredibly popular. Let your child personalize his or her room with dinosaurs, princesses, animals or anything else that catches the eye. Because these “wall tattoos” are completely removable, they can easily change as your child’s interests change. Also consider painting a portion of the wall with chalkboard paint, and providing multi-colored chalk for artistic expression. Hours of fun, easy to clean, and a great outlet for creativity!

  1. Board It Up!

Kids love to display artwork, pictures or souvenirs. Invest in a few cork boards so they can pin up pieces they like. Also, galvanized steel sheets are available at most home improvement stores, and make fantastic display places with the help of a handful of colorful magnets!

  1. Color Scheming

Although you may wince at the thought, let your child pick out the dominant colors in his or her room. Paint is easy to change, and the addition of a pink wall or a bright red inner door can thrill your child to no end.

  1. Look, Mom! It’s Me!

Use one of the handy photo conversion services, such as Snapfish, to create posters, wall art, photo frames or hanging canvases that feature your child or his or her artwork.

The Design Studio professionals at Ernest Signature Custom Homes can help you put together a functional, fun room for your child in your new home, so don’t hesitate to ask them for advice. Call us at (912) 756-4135 or drop us an email today!

Won’t You Be My Neighbor? Tips and Hints for Introducing Yourself to the Locals

Categories: Uncategorized | Posted: November 22, 2014 | Comments Off on Won’t You Be My Neighbor? Tips and Hints for Introducing Yourself to the Locals

Moving to a new place is hard – there’s no way to disguise that. Unless you’re relocating to a house across the street or across town, you’re likely giving up a job and easy access to friends or family. You’ll have to start fresh; building a network of people you can depend on to loan you a cup of sugar, watch your kids for an hour or come to your barbeque in the back yard. In many cases, these people will be your neighbors. But how do you break the ice? What strategies can you use to lay the groundwork for new friendships? To help you out, we’ve listed a few ‘can’t fail’ tactics that are sure to win over the folks next door.

  1. Did we mention sugar?

It’s a tried and true tactic…because it works! Knock on a neighbor’s door and ask to borrow some sugar, a bit of baking powder or a pinch of cinnamon. You’re still unpacking, so darn it…you don’t know where that stuff is. And you have a crazy craving for home-baked cookies. Then, after your kindly neighbor provides the goods, return the favor by giving them some of the goodies! Who knows…sharing a cookie or two over a cup of coffee can be the start of a wonderful friendship!

  1. Kids – the Ultimate Icebreaker

If you have children, they’re a great way to get out and meet the neighbors. Walk your child to the bus stop, where you may find other parents doing the same. Take them to the nearest playground, where they can meet other kids their age. Most moms love to set up play dates for their children, which is a potential opportunity to socialize for you. And don’t forget to join a few committees at their school. It’s a fantastic way to meet other involved parents and take an active part in your child’s education at the same time.

  1. Find Some Common Ground

Many communities have meeting places built right in. Take advantage of a warm summer day by the community pool, work out in the on-site gym, or take a book to the coffee shop down the road and see who else is doing the same. Smile, give a compliment or ask a question.

“Wow…those are great shoes! Where did you get them?”

“I’m new to the neighborhood – would you happen to know where I could find the closest branch of my bank? (or the best grocery store, or a fantastic bakery, etc.)”

“Is there a movie theater nearby? I’d like to go to see the latest Meryl Streep picture.”

You never know when just the right comment will open a door to a conversation!

  1. Neighborhood Recon 101

Observe the patterns of movement in your community. Do people gather on their front porches in the evenings? Do they chat around the mailboxes or when they’re taking out their trash? Do they use the walking trails in the morning? Are there favorite areas for residents to walk their dogs? If so, put yourself there too! If you’re a gardener, cruise the neighborhood for fabulous flowers, shapely shrubberies or lush lawns. Stop by and ask for hints and tips on growing your own personal oasis.

  1. Join In

Whatever your interests are, find others who share them. Your new town is sure to have something that appeals to you. Look for walking or jogging clubs, book clubs, knitting groups, motorcycle or car clubs or community theatre. Volunteering is also a wonderful way to meet other civic-minded neighbors; if you have a passion for helping others, it can help you find new friends. Whatever it is that moves you, you’re sure to find kindred spirits when you sign up and show up!

  1. Happy Housewarming

Once you’ve had a few weeks to get settled in, consider having an open house! Invite the neighbors over for a casual, low key gathering, like a backyard barbeque, pool party or a simple house tour. Is there a special event coming up that you can use as a tool? Try throwing a holiday re-gifting white elephant swap in January, hosting a Super Bowl party or an Easter egg hunt, or putting together a group to go Christmas caroling. You can even offer your front lawn for a community yard sale! Whatever type of gathering you choose, make up a colorful flyer or invitation with all of the pertinent information that also lets your neighbors know you’re looking forward to meeting them and becoming a part of the community.

If moving is in your future, the folks at Ernest Signature Custom Homes have a number of friendly communities ready to welcome you and your family. For more information on some of the best places to live in the greater Savannah, GA area, give us a call at (912) 756-4135 or drop us an email. You’ll feel truly at home in no time!

Cumberland Point…Because It’s Cooler in Pooler!

Categories: Uncategorized | Posted: November 14, 2014 | Comments Off on Cumberland Point…Because It’s Cooler in Pooler!

One of the fastest growing suburbs of Savannah, GA is Pooler, a booming bedroom community with all the attributes you’re looking for in a new home. The living is easy in Pooler, close enough to Savannah for an easy commute, but away from the hustle and bustle of the downtown area. Dine at one of the dozens of popular restaurants, take in a movie at one of two megaplexes, go bowling, shop for anything you could possibly want and enjoy quick access to the Savannah/Hilton Head International Airport. In a few short months, Pooler will be welcoming the Tanger Outlet Mall, with dozens of stores offering excellent bargains on designer gear.

And then there’s Cumberland Point, a delightful community featuring new construction by Ernest Signature Homes. You can relax in a green paradise just minutes from convenient roads that take you to everything you need.  Choose your new home from one of 13 “lucky” floor plans, ranging in size from the cozy Madison, at 1824 square feet, and Kiawah, 1857 square feet, to the roomy 3080 square foot Hilton and generous Kingston at 3321 square feet. A family of any size will fit in perfectly at Cumberland Point! And with prices starting in the $180’s, homes at Cumberland Point offer a unique combination of stylish luxury and outstanding value. The energy-saving features built into each home guarantee that you’ll be helping our environment without sacrificing any modern conveniences. A spacious yard allows for barbecues and parties, playing with the kids or the dogs, or simply relaxing on a hammock in the sunshine.

Residents at Cumberland Point enjoy resort style amenities; splash in the community pool (complete with water slide), stroll along the walking trails, work out at the fitness center or get together with friends for a quick game of tennis on the well-maintained courts. Children can scamper on the playground, and the lovely community center and club house are available for events. The Godley Station School is one of the highest rated schools in the Savannah-Chatham County School District, and serves youngsters from pre-K through Grade 8. The community offers easy access to I-95 and Gulfstream, Pooler’s largest employer.

For more information on Cumberland Point and the homes waiting for you there, contact our Sales Team at 912-660-9673 or send us an email. We’ll be glad to show you why it’s cooler to live in Pooler!

Jones-ing for a New Home? We’ve Got Just the Thing!

Categories: Uncategorized | Posted: November 7, 2014 | Comments Off on Jones-ing for a New Home? We’ve Got Just the Thing!

If you’ve been looking for the perfect new construction in the Savannah, GA, area, Ernest Signature Homes has the answer! This month, we’re featuring the Jones, a large, gorgeous home available in two of our premier communities, Sweetwater Station and Tranquilla Hall at Buckhead. This five-bedroom, three-bath beauty with 2,420 square feet of living space has everything a growing family needs, and the style and elegance you want.

If you love a lofty ceiling, the Jones model is definitely for you! The split-level two floor design gives you plenty of room to breathe with many of the common rooms featuring 12 foot ceilings! The formal dining room takes it up a notch with a gorgeous cathedral ceiling, perfect for a holiday gathering or a lavish dinner party. The unique layout of this plan features the kitchen, breakfast nook, dining room and family room on the second floor, so the high ceilings and bright, airy construction make you feel like you’re living in the clouds! An optional deck can be added on this floor to provide additional space for al fresco dining, entertaining or simply relaxing. When you choose the enlarged deck, you can also enjoy a snug, toasty evening in front of an optional fireplace.

The second floor also features the master bedroom suite, with a large walk-in closet and separate tub and shower facilities in the master bath. Two other bedrooms, a bath and convenient laundry facilities complete this delightful sky-high living space.

But don’t forget the downstairs – there’s a lot to see on the first floor as well! Anchored by a spacious game room, this cozy refuge will soon become your children’s favorite part of the house.  Ideal for slumber parties, game or movie nights, or simply hanging out on a rainy afternoon, this main room is flanked by two bedrooms and a beautiful covered porch, perfect for climate-controlled seating on hot summer days or cozy snuggling on a winter afternoon. If you have teenagers, imagine their delight at having their own “place” within your home – bedrooms, bath and game room set away from the rest of the house, but still accessible to family and the fridge in mere seconds! If you want the flexibility of an extra room, a sixth bedroom can be added on the bottom floor. Invite your children’s friends to stay overnight in a convenient guest room, or convert it into a home gym, office or sewing and craft room.

The two car garage offers plenty of space for vehicles and storage, and the classic brick exterior is both traditional and stylish.

For more information about this attractive, affordable floor plan, call Ernest Signature Homes at 912-756-4135 or drop us an email. We’ll satisfy your craving for a gorgeous new home!

Your Income and Your Mortgage – Getting the Right Balance

Categories: Uncategorized | Posted: October 30, 2014 | Comments Off on Your Income and Your Mortgage – Getting the Right Balance

When you’re ready to buy a new home, one of the first steps you’ll need to take is finding a lender to pre-qualify you for a loan. What exactly does that mean? And how does the lender come up with the amount that they give you?

We spoke with Betsy Saxon, Mortgage Loan Officer for First Bank Mortgage in Pooler, GA, to learn more about what happens when you are pre-qualified for a loan, and what you need to think about once you have that all-important number in hand. Ms. Saxon has pre-qualified hundreds of home buyers for loans in the Savannah, GA area and has some interesting points to consider when you’re getting ready to select the home where you will live.

“One of the first things you need to think about is where you want to get your loan,” she says. “So many people today turn to huge corporate lenders – what I call the 1-800 lenders. You call a toll-free line or log on to the Internet, give them some information, and they give you the amount they are willing to loan. However, the loan officers that work for these companies deal with customers in volume. They aren’t paid to ask the difficult questions that can make a big difference in the amount of money your will qualify for. They follow the script and don’t really analyze your financial situation as carefully as a smaller, local lender will.”

What are some of these “difficult questions”? They aren’t really tough to answer; they’re just things you may not think about off the top of your head. They are, however, crucial to determining how much you should pay every month for your mortgage. Sometimes you don’t think about things that are important in your life that will affect your budget, and therefore, how much you can spend on housing each month.

“One of the things large lenders don’t take into consideration when they’re pre-qualifying buyers is taxes,” says Ms. Saxon. “This is a big thing. If you’re buying an existing home, you can check what taxes were assessed on the home last year and get a good idea of what they will be. However, when you’re buying new construction, this lot was never taxed as a home before. There’s no background there to help you figure out what the taxes will be. Sometimes, it can be quite a surprising number. And there are a few items in a quote that are not legally binding – they can change without penalty. The amount of taxes to be paid is one of those items.” Ms. Saxon suggests consulting a closing attorney to give you a good estimate of the tax requirements on a property before contracting to buy the home.

She also urges you to go into detail with your lender when it comes to some of the other payments you make every month. Most of these monthly deductions aren’t considered by larger lenders. Child support or alimony payments might be taken out of your check immediately due to a court order, or you may be sending them on your own. If the latter is true, they won’t be on the radar of your lender, and they won’t take them into account when they are calculating how much they can lend to you. The same is true of major life events that are on the horizon. Do you need to buy a new car? Are you going to get married? Are you planning to add to your family? If so, are you or your spouse planning on working part-time or staying home with the children? Will you need to pay tuition for yourself, your spouse or your children? Are you getting ready to change jobs or retire? You have to think about these things in the long term, because your mortgage is designed to be paid back over many years. Events like these will have a serious impact on the amount of disposable income you will have each month, and need to be considered before you buy a home. Some people also have significant unreimbursed employee expenses from work. These also need to be taken into account, as they will reduce the amount of liquid cash you will have to devote to your new mortgage. And last, but not least, you need to consider your lifestyle. Do you travel frequently? Do you spend a lot of money on meals out or entertainment? Are these things important to you, and will you continue to do them regularly once you buy a house? Ms. Saxon points out that many people naturally start spending more time at home once they’ve bought a house. Instead of eating out, they cook more of their own meals, or invite friends in for an evening’s entertainment instead of going out.  However, if you enjoy an active social life, be sure to set aside some money each month to cover the expense.

“The most important thing you need to remember is that the amount of payment that you will qualify for isn’t always the amount you will want to pay, or be able to pay,” Ms. Saxon emphasizes. “Don’t plan to use every cent you qualify for – use only what you can afford to pay back.”

If you need more information on the pre-qualification process, don’t hesitate to call Betsy Saxon at 912-663-2510. She’s pre-qualified hundreds of buyers for a loan, and is happy to provide an incredible amount of free information to anyone who requests it!

Close to Home…The Advantages of Using a Local Lender

Categories: Uncategorized | Posted: October 23, 2014 | Comments Off on Close to Home…The Advantages of Using a Local Lender

As a home buyer, you have a lot of choices when you’re looking for a lender. You can go to a bank, a credit union, a mortgage company, or log on to the Internet. You can even call a 1-800 number and get approved over the phone! But are any of these choices better than the others? We chatted with Betsy Saxon, Mortgage Loan Officer for First Bank Mortgage in Pooler, GA, to get the low-down on lending.

“There most definitely is a difference,” says Ms. Saxon. “In most cases, a local lender is much better equipped to handle your mortgage than a large company headquartered thousands of miles away. These companies, that I like to call 1-800 companies, have a pre-set list of items they look at for each buyer, and that’s it. They don’t take into account a lot of personal issues or local opportunities. They work with so many people that you’re just a number to them. You aren’t a person with hopes and dreams and problems.”

Ms. Saxon emphasizes that if you are a prospective buyer with any irregularities in your credit report, you probably won’t fare too well with a large mortgage company. “If you have a background that requires special handling, like a bankruptcy, an illness in the family, a previous foreclosure, or anything like that, a local lender will address these problems at the beginning, where a “big-box” lender won’t concern themselves with these factors from the get-go as they should.” For example, many people who have had a foreclosure think their timeline for being able to buy a new house starts when they move out of the foreclosed property and turn it back over to the lender. Sadly, this isn’t the case. The clock starts running when the lender takes their name off the deed to the house, and files a recorded foreclosure deed, which is usually much later. In most cases, the lender won’t do this until they are ready to sell the house again, which can be months – or even years – later.  If you’re working with an incorrect foreclosure date, your local lender is likely to catch this problem early, where a large, corporate lender is not.

“Local lenders are also willing to work with you to improve your credit if you can’t yet qualify for a loan,” Ms. Saxon adds. “For example, I will often work with buyers to clean up their credit reports and counsel them so that they can get approved. They’ll come in and fail to pre-qualify, so I’ll tell them what they need to work on, and six months later, or a year later, we’ll get them approved. A large lender doesn’t care about working with a potential customer in this way – they’re just going to move on to the next prospect.”

Local lenders also know the area well, and can give you suggestions and tips as to where exactly you should look for a home, and they’ll know if builders are offering special programs or if new communities are being planned that would be a perfect fit for your family. This “inside track” is something that will serve you well when you’re making your choice, and a lender from another area will have none of this information. You’ll be supporting your community and getting better service to boot! It is also important to note that if you have a number of inquiries on your credit within a certain timeframe, your score will drop. It is best to work with a local lender who can help you identify the best opportunities for you at the beginning and narrow down the number of inquiries that will need to be made.

Local lenders are also much more responsive to a client’s needs. With their processing and underwriting done in-house, all the information they need to pre-qualify you for a loan is right there, and handled with speed and efficiency. They also meet you face-to-face, which builds a relationship that can last long past the home buying period. To a local lender, you’re a friend they’re helping to buy a home, not just a number.

To explore working with a local lender, feel free to call Betsy Saxon at 912-663-2510. She can provide an incredible amount of free information to anyone who requests it, and is always happy to answer any questions you have about the home buying process.

Rabun Estates – Elegant Living in Effingham County!

Categories: Uncategorized | Posted: October 14, 2014 | Comments Off on Rabun Estates – Elegant Living in Effingham County!

Ahhh…Savannah, GA! This lovely historic city has all the culture, entertainment and shopping you could possibly want. However, it can also be busy, crowded and noisy. Sometimes you just want to get away – to take refuge in a quiet, wooded, peaceful place. If you’re looking for an elegant country home close enough to Savannah to meet your needs, but far enough away to give you the privacy you crave, consider Rabun Estates!

Located right off I-95 in the delightful bedroom community of Guyton, GA, Rabun Estates is the perfect site for southern country living. Mere miles from the hustle and bustle of Savannah, Rabun Estates features large, wooded home sites designed to preserve the natural beauty of the Georgia countryside. The view of lovely Rabun Pond provides a tranquil, relaxing focal point for this graceful community. Rabun Estates features twelve diverse floor plans that will appeal to families of all sizes. Choose from one or two story construction, ranging in size from three to five bedrooms. For smaller families, consider our cozy 1803 square foot gem, the Seabreeze model. If your family is growing, the larger 5 bedroom Kingston model offers 3321 square feet of living space, and the roomy Ellington provides 3441 square feet where you can spread out.

All of the homes in Rabun Estates are specifically engineered to promote energy conservation, providing excellent long-term value. Every element of the residence is carefully planned to save its owners money over the years, without sacrificing style or comfort. And speaking of saving money – with prices starting in the low $200’s, a home at Rabun Estates is amazingly affordable! You can customize your new home by adding luxurious touches such as granite countertops, stainless steel appliances, wood flooring, oversized walk-in closets or a side-entry garage. Almost anything is possible when you choose new construction in Rabun Estates, so let your imagination run wild!

Parents are thrilled to hear that Rabun Estates is part of the well-respected and desirable South Effingham School District. The excellent test scores, newer facilities and top-notch sports teams make this school system one of the best in the area.

For more information about this amazing community, contact the Sales Team at Ernest Signature Homes by phone at 912-660-9673 or drop us an email. We’re the exclusive provider of new homes at this active and growing community. We’ll be happy to introduce you to your new life at Rabun Estates!

The Whitemarsh…a Singular Sensation!

Categories: Uncategorized | Posted: October 7, 2014 | Comments Off on The Whitemarsh…a Singular Sensation!

Are you looking for a lovely one-story home? If you don’t want stairs, sometimes your options are limited. Not so with the Whitemarsh – our elegant home with lots of options, all on one floor!

This delightful residence offers 2036 square feet of space, with an open, welcoming foyer that sets the tone for the entire house. With four bedrooms standard, it is large enough for a medium-sized family, yet compact enough for a small family with regular overnight guests or a need for a home office. An optional bonus room is offered as well, so you can add a bit more space if you need it.

The large and efficient kitchen leads into a cozy morning room – perfect for a quick, casual meal – and offers the convenience of a 42” raised bar. You can customize your kitchen with some truly elegant and useful features such as a wine rack, a free-standing trash compactor or ice maker or glass-door cabinets, among many others. Relaxing at home is a pleasure; lounge in the comfortable living room or throw an intimate dinner party in the formal dining room. Two full baths are standard with the Whitemarsh plan, but you can also opt to include a half bath for additional flexibility. The master suite features two walk-in closets and a bath with convenient his and hers dual separated vanities. If a nice hot bath relaxes you after a long, hard day, choose the optional whirlpool tub in the master bath as one of your little luxuries!

You can enjoy the outdoors in many ways with this lovely home. Sit and sip iced tea or lemonade on your covered porch, or dine alfresco on your bright and sunny patio on pleasant days. You can also choose to upgrade the standard concrete patio to a stylish wood deck. The Whitemarsh also offers an optional sunroom, with entrances from the patio and the living room. If it’s too hot to be outside, but you want to enjoy the lovely day, our sunroom gives you the best of both worlds. If you decide to add the optional double-sided fireplace shared by the living room and sunroom, imagine your romantic winter evenings, curled in front of the fire with a bottle of wine and a view of the twinkling stars!

The two car garage offers ample space for vehicles and storage, and you can choose from either a brick or stucco exterior, whichever suits your taste.

This fantastic example of modern homebuilding is available at several of our delightful communities, including Cumberland Point, Rabun Estates, Sweetwater Station and Tranquilla Hall at Buckhead. For more information about this lovely floor plan drop us an email or call our Sales Team at 912-756-4135. We’ll be glad to help you create the home of your dreams!

Buying a House…Are You Ready? Then Get Set! Go!

Categories: Uncategorized | Posted: September 29, 2014 | Comments Off on Buying a House…Are You Ready? Then Get Set! Go!

When you’re buying a new home, there are a few important documents that you’ll need to line up before you approach the lenders you’ve chosen to work with. These critical pieces of paper will be the difference between getting the loan you need to make your dream house become a reality and bitter disappointment.

We talked with Betsy Saxon, Mortgage Loan Officer for First Bank Mortgage in Pooler, GA, to find out what paperwork you’ll need to bring with you when it’s time to pre-qualify for your home loan. She has years of experience working with home buyers seeking financing in the Savannah, GA area, and gave us this list of “must-have” documents.

  1. Pay Stubs

Make sure you bring the two most current pay stubs for every person whose name will be on the title of the house. They do need to be the two most current stubs to give the lender the most accurate picture of your financial situation. Although you may have worked a lot of overtime two months ago, and your pay stub for that period may be higher, it isn’t a true indication of your earning power, so don’t bring this one thinking it will help you get pre-qualified for a larger loan. If the most recent pay period for you is abnormally high or low, wait a few weeks to approach a lender, when your pay stubs reflect your usual deposits more accurately.

  1. Bank Statements

Bring copies of the bank statements for each account you have for the past two months. These statements can help your lender see your monthly payment patterns, how much cushion you have in your accounts, and if you have problems with overdrafts, among other things.

  1. W-2’s

Bring copies of all W-2 statements from the past two years for each person whose income will be counted toward the loan.

  1. Federal Tax Returns

Along with the W-2’s, also bring copies of your complete tax returns for the past two years.

  1. Driver’s License or Passport

Make sure that your identification is current. An expired driver’s license or passport isn’t actually a valid form of identification. Also, be sure that your home address listed on your driver’s license is correct.

If you have any questions about the various documents you’ll need in hand before you approach a lender, don’t hesitate to call Betsy Saxon at 912-663-2510. She’s successfully counseled hundreds of buyers who are ready to purchase the home of their dreams, and are looking to get pre-qualified for a loan. She’s happy to provide an incredible amount of free information to anyone who requests it!

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