Author Archives: Marie Dinsmore

Featured Neighborhood: Vickery in Cumming, GA

SR1_5389f-1030x607If you haven’t already heard about the homes in Vickery, you need to!  Known for its rich architectural character and stunning live-work-play setting, this charming development features sweeping green views, striking courtyards, an abundance of parks, and sprawling front porches.

With homes produced by John Wieland, one of the nation’s top homebuilders, each property boasts innovative floorplans, gorgeous exteriors, and specialty craftsmanship that you simply will not find anywhere else.  With that, if you’re tired of the look of cookie cutter neighborhoods, you’ll be thrilled to feast your eyes upon one-of-a-kind designs that vary from one home to the next.

Homeowners in Vickery also enjoy access to a myriad of shops and dining (within walking distance), as well as the Forsyth County YMCA at Vickery Village, an expansive community pool, tennis and basketball courts, and a beautiful neighborhood pond.

Each home comes standard with:

  • 10′ Ceilings on the Main Floor, 9′ on Second
  • Whole House Wireless Access Point for a Wi-Fi Ready Home
  • Built-in Mobile Device Charging Station
  • Tile Shower with Bench in Owner’s Spa and Main Floor Baths (per plan)
  • Smooth Wood Shelving in Owner’s Closet and Pantry
  • Recessed Lighting in Hallways and Common Spaces
  • 30-Year Architectural Shingles and Rot Resistant Exterior Trim
  • Radiant Barrier Roof Sheathing by TechShield® for Energy Efficiency
  • Beautifully Crafted Architecturally Controlled Exterior with Boral® Brick, Fiber Cement Siding or Natural Stacked Stone per Elevation
  • 10′ Smooth Finish Ceilings on First Floor with 5¼” Crown Molding in Foyer, Living, Great Room, Dining, Kitchen and Powder Room and 9′ Smooth Finish Ceilings on Second Floor with 5¼” Crown Molding in Owner’s Suite
  • Pre-finished 5″ Hardwood Flooring by Shaw® in Foyer, Powder Room, Kitchen, Breakfast, Keeping, Living, Great Room, Dining and First Floor Hall
  • Oak Stair Treads with Painted Risers
  • Low-VOC Carpet by Shaw® or Mohawk®
  • Tile Flooring in Owner’s Bath, Secondary Baths and Laundry
  • Ventless Gas Fireplace with Slate, Marble or Brick Surround and Wood Mantle
  • ENERGY STAR® Stainless Steel KitchenAid® Appliances including Cooktop, Vent Hood, Microwave and Oven, Dishwasher and Disposal
  • Granite Countertops with Eased Edge
  • Tile Backsplash
  • Durable Double Bowl Stainless Steel Undermount Sink with Stainless Moen® Camerist Faucet
  • Recessed, Pendant and Under Cabinet Lighting

SCHOOLS

Vickery Creek Elementary School – Within Walking Distance — Ranked 10 out of 10 by GreatSchoolsTM
Grades PreK-5
6280 Post Road
Cumming, GA 30040
(770) 346-0040

Vickery Creek Middle School – Within Walking Distance — Ranked 10 out of 10 by GreatSchoolsTM
Grades 6-8
6240 Post Road
Cumming, GA 30040
(770) 667-2580

West Forsyth High School — Ranked 9 out of 10 by GreatSchoolsTM
Grades 9-12
4155 Drew Road
Cumming, GA 30040
(770) 888-3470

If you would like to learn more about this truly unique community or would like to schedule a showing, please do not hesitate to contact me.

Marie Dinsmore | The Dinsmore Team | www.DinsmoreTeam.com | 770-712-7789

 

The Top Ways that Real Estate Agents SAVE You Money

YoungCoupleSaveMoneyMovingThe beauty of hiring an experienced real estate agent is that they make the process of selling your property look easy.  However, the truth of the matter is that it takes a lot of work and knowledge to get a home through the closing process, which is worth remembering when the desire to stick a “For Sale by Owner” sign in your yard rears its ugly head.

Plain and simple, while you may cringe when thinking about the standard 6% commission that your agent will get when your home finally sells, it’s important to think about all of the advantages they bring to the table, especially when you find yourself in a tight spot.

FREE MARKETING – When it comes to selling, marketing is key. Effective sales strategies include marketing materials that will not only cost you some serious out-of-pocket cash, but require professional-looking design skills, which—let’s face it—most of us lack.

Instead, a great agent will not only provide you with an abundance of professional photographs, brochures, mailings, and advertisements, but will make sure your listing is seen by the right contacts.  Often times, finding a buyer is about numbers.  If no one is seeing your home, no one will buy it.

THEY’LL PUT YOUR BEST FACE FORWARD – When it comes to staging, most of us have our furniture and belongings organized for function; however, while comfortable, chances are good that your layout may not be what’s best for the look of the room. If the goal is to show things in best light possible, you’ll need an agent who can objectively assess your space and help you decide what to keep and what to place in storage. Clearly, buyers will be looking for aesthetic appeal, so having someone on hand to redistribute your furniture, make recommendations, and increase your home’s flair is crucial.

THEY KNOW PEOPLE – A solid agent will have a solid team working behind them—which includes everything from honest lenders, plumbers, electricians, inspectors, contractors, brokers, designers, landscapers, etc. Whether selling your home will require a bit of a backyard cleanup or a few coats of fresh paint, your agent should be able to recommend someone who will not only do a great job, but give you a fair price.

When attempting to sell your home on your own, it’s easy to cave and throw money at the problem; however, an agent will save you from spending your hard-earned money when not absolutely necessary.

MORE MONEY AT CLOSING – Whether you always understand it, a great agent will approach the home selling process with a strategy, which means they’re going to work their magic to get you the most money for your home. Whether that means under-pricing to stage a bidding war or showing your property before listing to entice that super-motivated buyer, they know exactly how to play things so that you get more money.

TIME IS MONEY – Plain and simple, agents do things what you cannot. Unless you went to school for real estate or regularly spend your time researching trends in the local market, chances are good that they have a better understanding of what it takes to get a home sold in as little time as possible. The longer your home stays on the market, the more money you lose, so it’s important to have someone in your corner who can do the heavy lifting and move the process along.

In the end, regardless of the season or time of year, if you’re looking to sell your current home, I can help.  My background is extensive and I know how to move homes from market to close.

To learn more about what I can do for you and your family, please feel free to contact me.

Marie Dinsmore | The Dinsmore Team | www.DinsmoreTeam.com | 770-712-7789

Difference between a Real Estate Agent and a Realtor

iStock_000000849291_Large1If you’re looking to buy your first home, chances are good that you may not have had a lot of prior experience in the real estate market.  Aside from the fact that the entire prospect of purchasing a home is daunting to most people, it can be even more confusing if you are not sure of the differences between a standard real estate agent and a REALTOR.  While it’s common to use both terms somewhat interchangeably, there are actually variances between the two titles that separate them from each other.

Yes, both are licensed to sell real estate; however, one is a member of the National Association of REALTORS®, which means they are bound by the REALTOR® Code of Ethics.  As a consumer, it’s not surprising that you may be wondering what this means since the idea of a code of ethics is somewhat arbitrary, but it’s important to note that the code which bounds each member of the National Association of REALTORS® is strictly enforced.

In short, The Code contains 17 articles, as well as certain Standards of Practice that bind REALTORS in a way that does not impact individuals who simply hold a real estate license.  While it’s impossible to guarantee that all REALTORS will adhere to the standards at all times, The Code exists as a way to regulate and require ethical behavior.

While it should be noted that this in no way means that non-member real estate agents fail to be ethically-minded, it’s important to realize that most REALTORS take their promises very seriously.

To help aid in your understanding, the 17 REALTOR promises are as follows:

  1. Pledge to put the interests of buyers and sellers ahead of their own and to treat all parties honestly.
  2. Shall refrain from exaggerating, misrepresenting or concealing material facts; and is obligated to investigate and disclose when situations reasonably warrant.
  3. Shall cooperate with other brokers / agents when it is in the best interests of the client to do so.
  4. Have a duty to disclose if they represent family members who own or are about to buy real estate, or if they themselves are a principal in a real estate transaction, that they are licensed to sell real estate.
  5. Shall not provide professional services in a transaction where the agent has a present or contemplated interest without disclosing that interest.
  6. Shall not collect any commissions without the seller’s knowledge nor accept fees from a third-party without the seller’s express consent.
  7. Shall refuse fees from more than one party without all parties’ informed consent.
  8. Shall not co-mingle client funds with their own.
  9. Shall attempt to ensure that all written documents are easy to understand and will give everybody a copy of what they sign.
  10. Shall not discriminate in any fashion for any reason on the basis of race, color, religion, sex, handicap, familial status, or national origin.
  11. Expects agents to be competent, to conform to standards of practice and to refuse to provide services for which they are unqualified.
  12. Must engage in truth in advertising.
  13. Shall not practice law unless they are a lawyer.
  14. Shall cooperate if charges are brought against them and present all evidence requested.
  15. Agree not to bad mouth competition and agree not to file unfounded ethics complaints.
  16. Shall not solicit another REALTOR’S client nor interfere in a contractual relationship.
  17. Shall submit to arbitration to settle matters and not seek legal remedies in the judicial system.

If you’d like to learn more or are interested in buying or selling a home, I’d love to show you what makes REALTORS so great.  Please feel free to contact me at my direct number below.

Marie Dinsmore | The Dinsmore Team | www.MarieDinsmore.com | 770-712-7789

Featured Neighborhood: Provence in Cumming, GA


provence_wilmington_front_dusk_web
Featuring just over 200 home sites in desirable South Forsyth County, this impressive swim and tennis community is the perfect place to create memories for years to come.  Combined with great schools, low county taxes, and amazing amenities, this picturesque community is nothing short of amazing.

Starting in the mid-$400s, each home includes striking exterior details with full brick sides and patios or decks off the main level, as well as architectural shingles and glass, and professionally landscaped yards.  Inside, you’ll find trey ceilings and two-piece crown molding, as well as columns, arches, and a fireplace with slate surround.

provence_wilmington_kitchenThe kitchen comes standard with granite countertops, stainless steel appliances, and beautifully-designed recessed lighting, as well as a spacious island and tile backsplash.  In the master, you’ll find a soaker garden tub with a wood-trimmed skirt board, as well as raised height vanities, spacious walk-in closets, and cultured granite countertops.

For buyers interested in energy efficiency, it’s worth noting that each home meets the Environments for Living Program Platinum Performance Standards, which allows homeowners to save up to 42% of annual energy usage.  In addition, each home also includes elongated water-saving commodes and high-efficiency gas, heating, and electric cooling systems, as well as programmable thermostats on each floor and Whirlpool energy efficient appliances.

SCHOOLS:provence_wilmington_fountain

Shiloh Point Elementary

8145 Majors Road

Cumming, GA 30041

678-341-6481

 

provence_wilmington_basement_gameroom_web

Piney Grove Middle School

8135 Majors Road

Cumming, GA 30041

678-965-5010

 

notting_hill_brunswick_basementSouth Forsyth High School

585 Peachtree Parkway

Cumming, GA 30041

770-781-2264

 

SHOPPING: 

The Collection at Forsyth

North Georgia Premium Outlets

Northpoint Mall

Mall of Georgia

 

HOSPITALS:

Northside Forsyth

Northside Hospital

North Fulton Hospital

Children’s Healthcare of Atlanta – Forsyth

 

If you’d like to schedule a showing or would like to learn more about this beautiful neighborhood, please feel free to contact me.

Marie Dinsmore | The Dinsmore Team | www.DinsmoreTeam.com | 770-712-7789

Are You Prepared to Deal with New Changes in the Mortgage Process?

iStock_000014023045LargeWhen the housing market collapsed in 2007, it was understandably necessary for the federal government to react by making a point to keep a tighter leash upon the financial industry.  Therefore, in response to the mortgage crisis, the Dodd-Frank Wall Street Reform and Consumer Protection Act was passed in 2011, which created a new government agency—the Consumer Financial Protection Bureau (CFPB).

TRID

In an effort to avoid another housing disaster, the CFPB settled upon a set of stricter mortgage rules and regulations that recently went into effect on the 3rd of October.  Known as “TRID,” (which stands for: Truth-in-Lending Act (TILA) + Real Estate Settlement Procedures Act (RESPA) + Integrated + Disclosure) the goal was to:

  1. Overhaul and improve the abundance of archaic industry forms, which date back to the late sixties and mid-seventies, and
  2. To slow down the mortgage process in an effort to give the borrower more time to review their forms.

In short, these new rules are expressly geared towards improving the home-buying experience for consumers; however, it’s important to note that the overall mortgage process is going to be a lot longer and more challenging than it was in the past.

THE PROCESS

For starters, once the borrower completes the loan application and gives the sales contract to their lender, the lender must then return a loan estimate to the borrower within three business days; however, before the lender can take any steps to either require loan documentation, order a title search, or mandate an appraisal, the borrower must respond to the lender with “their intent to proceed.”  In other words, to keep things moving in a forward direction, it is imperative that the borrower respond to the lender as quickly as possible after receiving a loan estimate.

With that being said, once the seller has accepted the buyer’s offer and the closing process begins, it’s important to realize that the new regulations also slow down the end of the mortgage proceedings as well.  Basically, the loan cannot close until the lender has:

  1. Sent the borrower the final Closing Disclosure (CD)
  2. Confirmed that the borrower has received the CD
  3. Waited for the three-day waiting period to pass

STEPS FOR BUYERS

Therefore, if you’re a buyer, you may want to consider the following steps, which will help you complete the entire process with as little fuss as possible.

  1. Submit a pre-approval application before making an offer in order to minimize the processing delays that will occur if you don’t already have a loan lined up
  2. Don’t drag your feet. Make a point to give the sales contract to the lender as soon as it’s available
  3. Consider doing things electronically, such as signing the loan disclosures
  4. Provide the lender with your “Intent to Proceed” as soon as your able
  5. Make sure you have all of your loan docs ready for delivery to the lender within the first week of the process
  6. Confirm receipt of the CD immediately after receiving it so you can get the ball rolling on the three-day waiting period

CONCLUSION

In the end, while these new laws make things a bit more complicated—especially if you’re operating under a time crunch—their purpose is to give buyers the necessary time to make sure they’re closing on a deal that truly fits into their life.  No one wants to see another foreclosure crisis, so these types of laws will hopefully go a long way towards making sure buyers are absolutely sure before they sign on the final dotted line.

If you have any questions or you’re a seller and would like to know more about how these new regulations will impact your sale, please feel free to contact me.

Marie Dinsmore | The Dinsmore Team | www.DinsmoreTeam.com | 770-712-7789

Community Resources

WELCOME

2019 Welcome Services

The Dinsmore Team has created this handy guide for both Buyers and Sellers. The guide lists trusted service providers that we use personally and professionally. The providers listed service the Forsyth and North Fulton County areas.

2014 Complete Guide to Moving

This 20-Page Guide will be your comprehensive source for selling your home and planning your move. It includes tips for getting ready to sell, planning your move, packing and transitioning into your new home.

2014 Home Owners Tip Guide

This 20-Page Guide will help you develop an annual maintenance schedule for your home's systems and appliances to help you avoid bigger problems by taking care of them while they are small. It's also a great resource for trouble shooting malfunctions on your own, saving you time and money.


utilities

Looking for a fast way to connect all of your utility services online? Try Connect Utilities.

Please let us know if there are other resources you'd like to see.

Marie@DinsmoreTeam.com

770-712-7789