Charlie Ragonesi Big Canoe Realestate's Blog: Georgia: Jasper: Big Canoe

Get your mind ready for 2013 in the Mountains

If you are buying in 2013 here are some things that are happening now . So get your mind ready


 1 If you are buying a foreclosure do not start ouot by thinking, "The bank should be happy to take..."

The Bank is not happy to take. In fact as 2012 progressed we saw an increased amount of multiple offer situations on foreclosures. Many going for more than asking. Are there still great deals? Yes. But you need to be realistic.

2 If your credit score is low or your income to debt ratio high you are not going to get a loan. It gets to be that simple today.When lenders are loaning under 4% they are going to be picky. So make it a point to get your scores up and your debt down

It is an incredibly great time to buy . Don't let it pass you by


If you are selling in 2013, get your mind ready.

Do not over price your home. Even if you find a buyer willing to pay you will fall down in the appraisals process. The numbers of deals that do not close where the buyer has 20 percent down and a good cr3edit score are staggering. While NAR has not broken down all the reasons, we all know that failure to appraise is a giant problem. So if you are selling be advised.

2 If you are selling make sure your home is in tip top shape. Do not think you can discount and let the buyer fix it. They do not want to.There are enough homes out there that they can buy that are move in ready that are priced well.


So as far as our mountain market is concerned I believe we wil see a big rebound in sales , a shortening of inventory and the subsequent rise in prices.



Charlie Ragonesi All Mountain Realty Big Canoe and Mountain Blog

On line at Call at 706 579 1098

We sell Homes                                                    


Comment balloon 1 commentCharlie Ragonesi • January 03 2013 12:17PM
Get your mind ready for 2013 in the Mountains
If you are buying in 2013 here are some things that are happening now So get your mind ready 1 If you are buying a foreclosure do not start ouot by thinking, "The bank should be happy to take… " The Bank is not… more
Has the Dream shifted to renting?
Has the American Dream of home ownership shifted to renting This is the question I ask today. Why are more and more folks renting today? The Renting argument 1 There are credit issues. Many were caught in the mortgage crunch and have… more
It Must be Spring 1 (photos)
It must be Spring in Big Canoe as well as in our North Georgia Mountains The leaves are out on the trees and there are great signs of life every where. The above and below photo are of Mountain Laurel. Mountain Laurel is… more
Big Canoe Real Estate, Questions answered Part 1
Folks looking to buy or sell in Big Canoe often have questions. In this series I will as a Realtor who works in Big Canoe as well as the North Georgia Mountains do my best to provide answers to the most asked questions. Why are the… more
Big Canoe in winter
2 days a go I posted a blog about our first snow in the mountains of Big Canoe There were also pictures. Folks often ask about the mountains in winter. Today it is in the 60's and all the snow is gone. In fact the last couple of days have been… more
Its not like on TV!!
We are doing a bathroom renovation. It is more than just cosmetic stuff. Now on HGTV you see they get in done in 2 days. In our case, as well as most cases it take 2-3 weeks. So it is not as easy or as fast as it is on TV. The same goes for buying… more
The Mountain Real Estate Report
The Mountain Real Estate Report has been absent for a while. However we are bringing it back here and on our web site www. allmountainrealty. com and at some point next week we will be featured on northgeorgiamountainsnews. com The purpose of the… more
Big Canoe, Bent Tree, Talking Rock Creek, just a few of our Mountain…
Big Canoe Bent Tree and Talking Rock Creek Resorts are just 3 of our great North Georgia Mountain Communities. The North Georgia Mountains remain an economic, undiscovered gem of a place to live. This is an untouched photo. Did you see… more
Buyer asks the wrong question
I got a call today which reminded me of something I blogged about a while ago and it needs review. A very nice lady and I talked today and she asked about a property "Is it a short Sale? " Now that is the wrong question. It could be… more
On line Marketing What I Hate (mini Rant)
Yesterday I was on line and ready to buy. But in the end I was frustrated. So for all you on line marketeers let me clue you in on what I absolutely hate and I suspect others hate too. 1 I get an email and before I delete it, it is actually… more