Welcome or Register

Lake Lanier Real Estate

Welcome to Lake Lanier Real Estate. Lake Lanier real estate is HOT. Looking for A house on Lake Lanier? Cumming GA  Gainesville GA  Dawsonville GA real estate Please use this site to search or contact me at 770-317-8178

 Lake Lanier Real Estate, Cumming GA and Dawsonville GA Real Estate. Find real estate in Cumming GA, Dawsonville, Buford GA, Gainesville GA, Alpharetta! Lake Lanier has much to offer and I can guide you through the home buying or selling process!  26 years experience in this beautiful area of North Metro Atlanta.  You will find information for homebuyers and sellers, and more About Us, your professional Cumming Realtor. Please use my free home search to find your home! Lake Lanier is very a great place to live!!! Having Lake Lanier at full pool or above is a dream come true!

Search For A Home

Looking for a new home? Use Quick Search or Map Search to browse an up-to-date database list of all available properties in the area, or use my Dream Home Finder form and I'll conduct a personalized search for you.

Free Home Analysis!

If you're planning to sell your home in the next few months, nothing is more important than knowing a fair asking price. I would love to help you with a FREE Market Analysis. I will use comparable sold listings to help you determine the accurate market value of your home. Please feel free to call me at 770-317-8178                                                 
                                                                            

                                                                            

Testimonials

Becky has assisted me and my family in our real estate needs for 16 years now and we would not think of using anyone else. Her commitment to her job is unbeatable!! Ron Williams CEO Shore Trading Ron Williams
Becky Rainwater has been my agent for over 19 years and together we have bought and sold over 16 properties. I would say she is simply the best! Glenda Garrett President Coldwater Properties Glenda Garrett
This is my second time with Becky as my agent. She is simply the best agent I've ever worked with as a seller and buyer. Highly recommend her. Tina Maltbie
View All

Real Estate News!!!

Latest Realty News from NAR

How Many Active Listings Can you Afford to Buy in the 100 Largest Metro Areas?

Find out how many of the homes which are currently listed for sale you can afford to buy based on your income.

A typical household earning about $51,000[1] can afford to buy 36% of homes for sales in the United States, according to the REALTORS® Affordability Distribution Curve and Score (RADCS). The tool below, updated with August 2018 data, lets you find out what share of homes, which are currently listed for sale, you can afford to buy in the 100 largest metro areas based on your income.

Select a range that best describes the income that you earn. Hover over the map to see the percentage of homes which are currently listed for sale that you can afford to buy.

Dashboard 1

The NAR Research Group and REALTOR.COM have partnered to conduct an analysis of affordability at different income levels for all active inventory on the market. The result of this analysis, the RADCS, shows that a household needs to earn at least $65,000 to afford more than half of the active housing inventory. Currently, the typical household, earning $51,000 can afford to buy 36 percent of homes for sale. Compared to a year earlier, housing affordability across the United States declined in August. The main reason for the decline is that housing inventory remains very low, causing affordability to weaken in most areas of the country.

Among the 100 largest metro areas, Los Angeles-Long Beach et al., CA was the least affordable metro area in August followed by San Diego-Carlsbad, CA and Oxnard-Thousand Oaks-Ventura, CA. In these metro areas, a household earning about $100,000 can barely afford to buy on average 12 percent of homes currently listed for sale. In contrast, the same household can afford to buy on average more than 90 percent of the housing inventory in Youngstown-Warren et al., OH-PA, Dayton, OH and Toledo, OH.

For more information, view the Realtors® Affordability Distribution Curve and Score data page.


[1] Based on Nielsen’s income distribution data

July 2018 Housing Affordability Index

At the national level, housing affordability is up from last month but down from a year ago. Mortgage rates rose to 4.75 percent this July, up 14.7 percent compared to 4.14 percent a year ago.

  • Housing affordability declined from a year ago in July moving the index down 8.2 percent from 151.2 to 138.8. The median sales price for a single family home sold in July in the US was $272,300 up 5.2 percent from a year ago.
  • Nationally, mortgage rates were up 61 basis point from one year ago (one percentage point equals 100 basis points).

  • Regionally, the Northeast recorded the biggest increase in home prices at 7.0 percent. The West had an increase of 5.3 percent while the South had a gain of 3.1 percent. The Midwest had the smallest growth in price of 2.5 percent.
  • Regionally, all four regions saw a decline in affordability from a year ago. The Northeast had the biggest drop in affordability of 10.3 percent. The West had a decline of 8.3 percent followed by the South that fell 6.8 percent. The Midwest had the smallest drop of 2.2 percent.
  • On a monthly basis, affordability is up from last month in three of the four regions. The Midwest had biggest gain of 7.9 percent. The West had an incline of 2.6 percent followed by the South with an increase of 2.1 percent. The Northeast had the only dip in affordability of 1.1 percent.
  • Despite month-to-month changes, the most affordable region was the Midwest, with an index value of 183.6. The least affordable region remained the West where the index was 101.2. For comparison, the index was 143.0 in the South, and 142.2 in the Northeast.

  • Mortgage applications are currently down 1.8 percent and mortgage rates are continuing to rise. Credit availability has declined which is a sign that there is constriction on lending standards. Job creation is up as well as new homes sales. As inventory increases, more buyers are likely to come into the housing market. Home prices are up 4.6 percent while median family incomes are only growing 3.2 percent.
  • What does housing affordability look like in your market? View the full data release here.
  • The Housing Affordability Index calculation assumes a 20 percent down payment and a 25 percent qualifying ratio (principal and interest payment to income). See further details on the methodology and assumptions behind the calculation here.

 

 

 

Homes Typically Sold in 27 Days in July 2018

Amid strong demand compared to homes for sale, REALTORS® reported that properties were typically on the market for 27 days, a shorter time compared to one year ago (30 days) and about the same level during the prior month (26 days), according to the  July 2018 REALTORS® Confidence Index Survey.[1]

During the May–July 2018, properties typically sold within one month in 32 states and in the District of Columbia, with properties selling most quickly in the D.C. metro area (17 days), Utah (19 days), Colorado, Idaho, Michigan, Ohio, South Dakota, and Washington (20 days).

Another indicator of how quickly properties are selling is the days on market on Realtor.com.[2]

In 381 out of 500 metro areas tracked by Realtor.com (76 percent) typically stayed on the market for fewer days in July 2018 compared to their median listing time one year ago, including in high price areas such as Jose-Sunnyvale-Sta. Clara, CA; San Francisco-Oakland-Hayward, CA; Los Angeles-Long Beach Anaheim, CA; San Diego-Carlsbad, CA; Bridgeport-Stamford-Norwalk, CT ; and New York-Newark, Jersey City, NY-NJ-PA. The decline in days on market in many areas indicates that demand is still broadly strong, with demand outpacing homes for sale.

However, there were fewer metro areas that had year-over-year faster selling times compared to July 2017 (395 metros). Metros where properties typically stayed much longer on the market longer in July 2018 compared to one year ago include Vallejo-Fairfield, CA; Madera, CA; Kennewick-Richland, WA; and Bend-Redmond, OR.  

Scroll down the list of metro areas in the interactive table below or hover over the map to view the median number days properties were listed on Realtor.com in July 2018 and one year ago.

Fastest-Selling Markets July 2018

 

[1] In generating the median days on market at the state level, NAR uses data for the last three surveys to have close to 30 observations. Small states such as AK, ND, SD, MT, VT, WY, WV, DE, and D.C., may have fewer than 30 observations.

[2] To access Realtor.com data, go to https://www.realtor.com/research/data/.

 

View All

                                                         

Guest article by Jackie @hyper-tidy.com

4 Life Planning Hacks for Novices

While you can’t plan for every event in your life, you can take stock of your present circumstances, set goals for the future, and then determine the steps that will help you get from point A to point B and beyond. Along the way, you’ll need to account for career changes, children, home ownership, and retirement. Even novices can approach life planning like a pro with a few of our hacks.

1. Understand You Can’t Predict the Future

Life planning is about making goals and determining how to achieve them. People’s goals typically encompass everything from getting a promotion to saving for their kids’ college tuition, to retiring and living out their golden years comfortably. If you make an ironclad life plan, you’re going to be disappointed because you cannot predict the future.

The best life plans are the most flexible life plans. You need to make your initial plan and then reevaluate, revise, and revisit it frequently. Life planning is not about predicting the future or sticking to a plan no matter what happens; life planning is about deciding which way you want to go, designing a strategy to get there, and working to create the opportunities you need to achieve those goals. For some, it may mean starting your own business. For others, it may mean working an extra year or two to have the retirement you truly want.

2. Use the Professionals’ Help

While lawyers, accountants, and financial planners cannot wave their magic wands or gaze into their crystal balls to tell you everything you need to do to make your life plan a reality, they can use their professional expertise to help you make some smart decisions. In most cases, they will tell you to begin saving for retirement, planning for your children’s future, and securing life insurance sooner rather than later.

3. Save for Retirement, No Matter Your Income

Even if you have low income, you should start squirreling away money for retirement. There are tax credits available in certain cases for people who contribute to a 401(k) or an IRA, so it may be worth pinching your pennies a bit to pad your retirement and reap the rewards of tax credits. If you have an employer who matches your retirement contributions, take advantage of tucking away money while you are employed there. One of the best ways to make sure you save for your retirement is to have the money automatically taken out of your paychecks each pay period. You won’t miss the money if you’re not used to having it, and your future self will thank you.

4. Plan for Your Children Now and In the Future

If you have young children, you should be approaching your life plan for them in two ways: first, you should make sure you have planned for a tragedy now, and then you should be looking ahead to their college tuition needs and inheritance. No parent wants to think about his untimely death, but if you have children, you need to have arrangements in place for their care. Meet with a lawyer and draw up a will that specifies your children’s guardian and financial accommodations. Decide if you are going to set up a trust for them. Making sure that your children will be taken care of in your absence is an important part of your life plan.

Then, look ahead at how you will plan for your children in the future. Start saving for their college tuition. Your financial planner can help you determine the best college savings accounts for your needs; it may be a 529 savings plan, a uniform gift to minors/uniform transfers to minors account (UGMA/UTMA), or a Coverdell Education Savings Account (CESA). You also will want to determine how you are going to set up your children’s inheritance. Keep in mind that you can account for their inheritance in your will, or you can begin transferring your estate and property to them prior to your death.

No matter your income or your knowledge on the subject, you should be developing a life plan. By accepting that you cannot predict the future, trusting the professionals’ advice, saving for your retirement, and planning for your children’s futures, you’ll be on your way to meeting your goals.

Image via Pixabay by Meditations

Ask Me to Create A Search

Enter the name of the primary city this agent works in, and I'll generate a set of saved searches for you!

agent photo
Becky Rainwater CDPE
 25 years Experience

Keller Williams Community Partners
Phone: 770 317-8178
Email: beckyrainwater@bellsouth.net

 

Contact Me







* fields are required

Lake Lanier Real Estate

Cumming GA Real Estate

Dawsonville Real Estate

Dahlonega Real Estate

Lake Lanier Real Estate

Cumming GA Real Estate

Dawsonville Real Estate

Dahlonega Real Estate

Lake Lanier Real Estate

Cumming GA Real Estate

Dawsonville Real Estate

Dahlonega Real Estate

Housesonlakelanier.com is a great resource for finding the perfect  home!  Thank you for visiting today. Cumming GA and Dawsonville GA are on the 400 corridor and are great places to live and play! If this is your first visit, take your time and look around. I have plenty of information and resources available to you. If you are a return visitor, thank you. I would love to hear from you and tell you how I can serve all your real estate needs. Feel free to call me at 770-317-8178

                                                           Find Your Home

Lake Lanier Real Estate

Cumming GA Real Estate

Dawsonville Real Estate

Dahlonega Real Estate

Real Estate Websites by iHOUSEweb iconiHOUSEweb | Admin Menu