2010-04-03 13.25.05

Hi all, I have a few NEW LISTINGS to share!
Listed by: Tammie Gibbs, Lovins Realty

Adorable Farmhouse type cottage in Higgston on Cone Street. This would be a great first time home. It has a large living room with fireplace and vaulted ceiling, huge master bedroom and spacious kitchen. Be sure and give me a call for a private showing. This home is listed for $72,000. It has new flooring in the Master Bedroom, hallway, living room and both bathrooms. New paint. I should have the VIRTUAL STAGING done soon to give you some ideas on how you could outfit this adorable home!

Visit My Listings Page for more information.


                                                                                           Lot on Sessions St., Soperton, Ga.
Was $10,000 Now $7500

813 mclemore813 Mclemore Dr. Vidalia Ga.

This is an adorable Brick Ranch Cottage. Neutral Colors throughout. Foyer, Spacious Living Room, Interior Laundry, 3 Bedrooms, 2 Bathrooms. Fenced are in back yard. Would make a great starter home. Call Tammie Gibbs @ 912-293-2899 to schedule your showing.

Visit my Listings Page for more info.

WOW, it’s been a busy few weeks and I’d like to thank all of my buyer and sellers for being so wonderful.  I’d also like to ask everyone out there if they are considering selling their home to call me! I am in desperate need of houses for 5 different clients that I’m working with. What you have may be just what they are looking for and I’d love to discuss your home with you. You can reach me on my cell phone at 912-293-2899 or at the office 912-537-8885 or you can email me at tammiegibbs@bellsouth.net

Hope you all have a Wonderful Memorial Day and I want to Thank all of the Veterans and all the soldiers who’ve died to protect our rights and their families for the sacrifice.



Loan Types to Consider

Brush up on these mortgage basics to help you determine the loan that will best suit your needs.

  • Mortgage terms. Mortgages are generally available at 15-, 20-, or 30-year terms. In general, the longer the term, the lower the monthly payment. However, you pay more interest overall if you borrow for a longer term.
  • Fixed or adjustable interest rates. A fixed rate allows you to lock in a low rate as long as you hold the mortgage and, in general, is usually a good choice if interest rates are low. An adjustable-rate mortgage is designed so that your loan’s interest rate will rise as market interest rates increase. ARMs usually offer a lower rate in the first years of the mortgage. ARMs also usually have a limit as to how much the interest rate can be increased and how frequently they can be raised. These types of mortgages are a good choice when fixed interest rates are high or when you expect your income to grow significantly in the coming years.
  • Balloon mortgages. These mortgages offer very low interest rates for a short period of time — often three to seven years. Payments usually cover only the interest so the principal owed is not reduced. However, this type of loan may be a good choice if you think you will sell your home in a few years.
  • Government-backed loans. These loans are sponsored by agencies such as the Federal Housing Administration or the Department of Veterans Affairs and offer special terms, including lower down payments or reduced interest rates to qualified buyers.

Slight variations in interest rates, loan amounts, and terms can significantly affect your monthly payment. For help in determining how much your monthly payment will be for various loan amounts, use Fannie Mae’s online mortgage calculators.

Realtor Magazine