Caroline Simmons

I'm a:	Real Estate Professional
Location:	30034
Web sites:	Search for a Home

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About Me

It's important to have confidence in your real estate professional when you are buying or selling property in today's real estate market. My commitment as your local REALTOR® is to provide you with the specialized real estate service you deserve. I believe the most important aspects in real estate are integrity, communication, follow-up, loyalty, and honesty. These parts are vital in any business transaction, but are crucial to a high level of success in the Real Estate transaction.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why my goal is to keep you informed on trends in the marketplace using the latest statistics in your local area. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of the communities, my objective is to work diligently to assist you in meeting your real estate goals. I am committed to 100% Customer Satisfaction. My goal is to make sure I provide SUPERIOR SERVICE to all of my clients. 90% of all my business is referrals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call or e-mail me. I look forward to coming into your home in the coming months via this magazine packed full of helpful home and lifestyle information.

Warmest Regards,
Caroline Simmons, REALTOR®

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Caroline Sim…'s Answers (4)

Can you make your house pymt go down by paying more on your principal or extra interest pymts?

Asked Wed Nov 28 2007, 17:53 by Ronda - Columbus - Foreclosure - 5 answers

Caroline Simmons answered:

Morning Ronda!

No, making additional payments will only pay down the principal on your home. However, if you have Private Mortgage Insurance (PMI) on your loan due to an inital loan amount of over 80% of the value. You can go to your bank if you believe your home's value has increased enough that you own 20% of the properties value. Example, You buy a home at $80,000 on a 100% loan with PMI. Your home is now worth $100,000. They can reappraise your home and possibly remove the PMI.

Also, have you filed for your homestead exemption? If not, FILE TODAY! This can lower your tax payment and if it is included in your mortgage, your mtg. payment will become lower -- probably not until after your 2008 taxes are paid.

If none of this applies and your credit is in a position to refinance, that would be my other suggestion -- especially if you have an ARM or Interest Only loan. If you have a fixed rate, I would not suggest refinancing unless you are able to obtain a lower rate.

Good Luck! - Thu Nov 29 2007, 04:36

Where near the square in decatur, GA can a first time home buyer look between 150,000 and 185,000?

Asked Mon Sep 3 2007, 22:43 by Brett - Decatur - Home Buying - 2 answers

Caroline Simmons answered:

Yes, but a Patrick stated, it is going to depend on many factors. How many bedrooms? Are you looking for a single family home, condo or loft? If you need assistance in narrowing down your choices please feel free to contact me. - Thu Sep 6 2007, 08:31

I am in foreclosure, I need to sell the home but get some of the cash out. What should I do.?

Asked Mon Aug 27 2007, 10:01 by Diane Winn - Lithonia - Foreclosure - 14 answers

Caroline Simmons answered:

Diane, be proactive. Yes, speak with your lender, contact CCCS but also know that you have alternatives to selling your home. Depending on the type of loan you have, you may be able to take a partial claim through FHA/HUD and there is a new program, FHASecure, that you may be eligible for.

If you are going to work with a REALTOR to sell you home, be sure to ask them how many pre-foreclosure homes they ahve listed and have actually sold.

Also, Be on the lookout for those investors who ask you to sign over your deed -- you will still owe the mortgage if they stop making payments.

Good Luck to you. - Thu Sep 6 2007, 08:17

what bus goes down river rd. in decatur georgia?

Asked Thu Jul 19 2007, 22:54 by Andria - 30034 - Traffic & Public Transportation - 2 answers

Caroline Simmons answered:

That would be Bus Route 15. You can view a copy of the trip map online at http://itsmarta.com/getthere/buspdfs/15.pdf. - Thu Sep 6 2007, 08:12

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