Search for Properties | Featured Listings | Buying | Selling | Area Info | Contact  Quick Links HOME PAGE HOMES FOR SALE FEATURED LISTINGS FORECLOSURES COMMUNITIES LIST WITH US MEET THE TEAM NEW LISTING ALERT 15 SECOND APPRAISAL SCHOOL INFORMATION HOME BUYING SELLING A HOME FREE REPORTS FORMS HOME FINANCE FINANCING TERMS TOOLS TODAY'S RATES TESTIMONIALS LOCAL NEWS MOVIE TIMES  Communities ALL COMMUNITIES BLUE RIDGE BLAIRSVILLE CHERRY LOG TURTLETOWN ELLIJAY JASPER MORGANTON COPPERHILL HIAWASSEE MURPHY TALKING ROCK MINERAL BLUFF DUCKTOWN HAYESVILLE YOUNG HARRIS DIAL Buying a Home HOME SEARCH NEW HOMES FEATURED LISTINGS OPEN HOUSES NEW LISTING ALERT THE BUYING PROCESS HOME LOAN PROCESS FINANCE CENTER FIRST TIME HOME BUYING HOW TO HIRE AN AGENT HOW TO HIRE AN INSPECTOR INSPECTION CHECKLIST NEGOTIATING AS A BUYER TAX BENEFITS HOME BUYING BUY AS AN INVESTOR BUYERS RESOURCE CENTER DOWN PAYMENT ASSISTANCE BUYING RETIREMENT HOME BUYING FIXER UPPER 2ND HOME BUYER BUILD OWN HOME TYPICAL FAMILY BUYER SINGLE BUYER VACATION HOME BUYER HOME MOLD INSPECTION REMODELING HOME INSURANCE Selling a Home WHY USE US WHY LIST WITH US WHAT IS MY HOME WORTH? WHAT WILL MY HOME SELL FOR? WHICH AGENT IS BEST SELLING YOURSELF SETTING THE PRICE HOME STAGING SELLING PROCESS NEGOTIATING AS A SELLER TAX IMPLICATIONS 1031 TAX EXCHANGE SELLERS RESOURCE CENTER SELLER ASSISTED BUYING Home Loan Center HOME LOAN CENTER LOAN PROCESS TYPES OF LOANS TYPES OF LENDERS 0 DOWN VA VET LOANS FHA HUD COP NEXT DOOR NURSE-DOCTOR HOME LOANS TEACHER HOME LOANS MILITARY HOME LOANS SINGLE PARENTS STATE SPONSORED GIFTING PROGRAM POOR CREDIT RAISE CREDIT SCORE ESCROW CREATIVE FINANCING Property Spotlight 1 of 5 photos Ellijay For Sale $7,900 0 Beds / 0 Baths Buildable, Gentle Wooded Lot that has new survey & soil test complete... more >> 1 of 3 photos Blue Ridge For Sale $31,250 0 Beds / 0 Baths FORECLOSURE LOT!!!! Great lot with Gentle, Rolling Terrain, Mountain View, All paved roads, End of the Road Privacy. Property is being sold as-is with no warranties expressed or implied... more >> 1 of 3 photos Blue Ridge For Sale $33,700 0 Beds / 0 Baths FORECLOSURE LOT!!!! Great lot with Gentle, Rolling Terrain. Long Range Mountain View can be aquired on this lot with tree trimming!! All paved roads, End of the Road Privacy... more >> 1 of 2 photos Ranger For Sale $40,000 0 Beds / 0 Baths Endless Panoramic Mountain Views are what youll get from this 1... more >> 1 of 8 photos Ellijay For Sale $53,000 2 Beds / 1 Baths 40 ft Hy-Line Camper with Bay Window that overlooks the river! Upgrades include high efficiency stack washer & dryer, 2 slideouts, ducted heat and air, six sleeper, 2 door model... more >> 1 of 5 photos Blue Ridge For Sale $55,000 0 Beds / 0 Baths Superb Lot in Upscale Subdivision! Beautiful Panoramic Views of Layers & Layers of Mountains!!.. more >> 1 of 4 photos Ranger For Sale $55,000 0 Beds / 0 Baths Endless Panoramic Mountain Views are what youll get from this 1... more >> 1 of 1 photos Blue Ridge For Sale $114,000 0 Beds / 0 Baths 278 Ft. of Little Fightingtown Creek Frontage!! Gentle laying lot with Easy Creek Access. Excellent Building Site Sits Above this Noisy Creek thats one of North Georgias Premier Trout Streams... more >> 1 of 7 photos Blairsville For Sale $119,900 3 Beds / 2 Baths SHORT SALE!! BRING ALL OFFERS!!!!! Great Low Maintenance Ranch Style Home with Custom Floor Plan!.. more >> 1 of 1 photos Blue Ridge For Sale $134,900 0 Beds / 0 Baths 613 of Little Fightingtown Creek Frontage!! Gentle laying lot with Easy Creek Access. Excellent Building Site Sits Above this Noisy Creek thats one of North Georgias Premier Trout Streams... more >> 1 of 5 photos Blue Ridge For Sale $139,900 0 Beds / 0 Baths 9... more >> 1 of 8 photos Morganton For Sale $149,900 2 Beds / 3 Baths Retreat to the Mountains and Enjoy Getting Away to this 2BR/3BA Cabin with a Year Round Mountain View From All Three Levels!.. more >> 1 of 0 photos Mineral Bluff, For Sale $174,900 2 Beds / 2 Baths Enjoy Peace, Quiet & Privacy in the Mountains from this 2BR/2BA cabin sitting on 6 acres..... more >> 1 of 8 photos Blue Ridge For Sale $189,000 2 Beds / 2 Baths Great Bargain on this 2BR/2BA home sitting on 4... more >> 1 of 5 photos Blue Ridge For Sale $199,000 0 Beds / 0 Baths Over 1300 of creek frontage, rolling pasture land and majestic mountain views all encompass this 12.45 acres... more >> 1 of 0 photos Blue Ridge, For Sale $220,000 1 Beds / 3 Baths Still under construction but approx. 95% complete! 1BR/2BA and sleeping loft on 1.7 acres with 175 of Toccoa River Frontage!! Come in and finish the way you want..... more >> 1 of 8 photos Cherry Log For Sale $259,000 3 Beds / 2 Baths This property has it all...lake frontage, creek frontage, private location and tons of charm! Fully Furnished 2BR/1... more >> 1 of 8 photos Blue Ridge For Sale $275,000 3 Beds / 2 Baths Astonishing Views of Lake Blue Ridge & Multi-Mountain Layers are what youre going to get from almost Every Room of this Cabin!.. more >> 1 of 0 photos Blue Ridge, For Sale $279,000 2 Beds / 2 Baths Prow Front Chalet with tons of glass so you can see the Year Round Long Range Mountain & Pasture views!.. more >> 1 of 0 photos Reliance For Sale $439,000 3 Beds / 3 Baths New 4536 Sq Ft Home In The Mountains Sitting Among Towering Pines And Hardwoods Perched On A Mountain With Mountain Views. National Forest Borders 2 Sides And Offers Total Privacy... more >> View All Our Picks >> Military Home Buying Thinking of Buying, Selling or Refinancing a Home These short videos explain what you need to know as a Veteran. Pamphlets on the VA Home Loan Program On-line copies of VA Home Loan Pamphlets. HomeOwnership Education for First Time Buyers Valuable information for first time homebuyers from the Ginnie Mae HomeOwnership Center. Frequently Asked Questions Answers to questions most frequently asked about the VA Home Loan program. About the Loan Guaranty Service The VA Loan Guaranty Service is the organization within the Veterans Benefits Administration charged with the responsibility of administering the home loan program. See an independent evaluation of the Loan Guaranty program here: Final Report | Report Appendices Information on Specially Adapted Housing for disabled veterans Click here for information on the Special Adapted Housing program for certain seriously disabled veterans. VA Regional Loan Centers Addresses, telephone numbers & websites of our Regional Loan Centers. Contact VA Loan Guaranty Service E-mail Loan Guaranty Service VA Approved Lenders Find a VA approved lender in your home town area using our E-lenders nationwide query. Interest Rate Reduction Refinancing Loans Have interest rates fallen since you obtained your VA loan? Do you have an Adjustable Rate VA loan that you want to convert to a fixed rate loan? The IRRRL program, also called the VA streamlined refinancing program, may be for you. No appraisal or underwriting is required and a certificate of eligibility is not necessary. If You Have Trouble Making Your Payments If you have a VA loan but are having trouble making your mortgage payments, it is very important that you take steps to avoid a foreclosure. VA may be able to help. Information for Elderly Homeowners Information for Elderly Homeowners covers Reverse Mortgages, Interest Rate Reduction Refinancing Loans, and Home Equity Fraud. VA Direct Home Loans for Native American Veterans Living on Trust lands VA direct home loans are available to eligible Native American veterans who wish to purchase or construct a home on trust lands. Am I Eligible? General Rules for Eligibility Determine if you are eligible for VA home loan benefits. How to request a Certificate of Eligibility for VA Home Loan Benefits To request a Certificate of Eligibility for VA home loan benefits, you must complete VA Form 26-1880 and submit it to one of our VA Eligibility Centers along with acceptable proof of service as described on the instruction page of the form. It's also possible to obtain a Certificate of Eligibility from your lender. Most lenders have access to the ACE (automated certificate of eligibility) system. This Internet based application can establish eligibility and issue an online Certificate of Eligibility in a matter of seconds. Not all cases can be processed through ACE - only those for which VA has sufficient data in our records. However, veterans are encouraged to ask their lenders about this method of obtaining a certificate. A Certificate of Eligibility is NOT Necessary for Interest Rate Reduction Refinance of Existing VA Loan Your lender may use our e-mail confirmation procedure in lieu of a certificate if you are obtaining a Interest Rate Reduction Refinance of an existing VA loan. Contact an Eligibility Center If you have specific questions regarding VA home loan eligibility, e-mail your Eligibility Center. Most questions regarding the VA Home Loan Program are answered in our Frequently Asked Questions, we ask that you read them prior to sending an inquiry. VA Eligibility Centers Address and Telephone Numbers Addresses and Telephone numbers Frequently Asked Eligibility Questions

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