Enjoy the Splendor of Nature's Sights

There is one thing about having a LONG boat ride home and that is the awesome sights you may get to see @ sunset & dusk. Last night on our ride home from Portman Marina on Lake Hartwell to the Tugaloo River just underneath the 85 bridge we saw such sights. There had been a ferocious afternoon storm (as we've had many afternoons lately)and afterwards the air was clean, clear & cool. The summer haze had lifted and we were able to see the mountains as we looked north up the seneca river. As the sun went down the sky looked as if it had burst into flame. What a beautiful sight to behold....I thanked God for the perfect end to yet another glorious day on Lake Hartwell and on earth.

Happy 4th Of July! The Celebration begins!

The fireworks display @ the Hartwell Dam will be taking place this saturday
6/26 at Dark! Fun will be had by many....just be careful &
courteous!

Drowning on Lake Hartwell

I was so sorry to wake up this morning to hear that there was yet another drowning on Lake Hartwell....A boy/ man from Toccoa, Ga. These drownings are so preventable! People need to respect the water and stop feeling so bullet proof! I am so very sad for this family!

seller paying closing costs

Seller paid closing costs...?


I get this question a lot..."How much can the seller pay towards the buyer's closing costs?"

Don't assume 3% of the purchase price is the rule. There are basically 4 mortgages now for residential home purchases and each has its own rule. The maximum amount that a seller may pay towards the buyer's closing costs, pre-paid items and reserves is as follows:
1. Fannie Mae/Freddie Mac (Conventional):
> 90% financing = 3% of the sales price.
>75% & < 90% financing CLTV = 6% of the sales price.
<75% CLTV = 9% of the sales price.
2. FHA = 6% of the sales price.
3. VA = 4% of the sales price.
4. USDA Rural Housing = 6% of the sales price.

I hope this information is beneficial to you. Call or email me anytime.

Andrew Evans: Hanover Mortgage
Cell: (864) 313-0602
Email: aevans@hanovermtg.com

2 NEW RESTAURANTS- LAKE HARTWELL

Two BIG Announcements!!!! 1) The Pavillion Grill @ Portman Marina is open on Sat./ Sun. til 4pm serving Hot Dogs, Hamburgers, Grilled Chicken. 2) Tiger Cove Grill (formerly Drop Anchor) is open again......YIPPEE!!!!!!
Check out these sites:

http://tigercovecampground.com

http://portmanmarina.com

Touring Lake Hartwell

Storms, Preparedness & Boating: Lake Hartwell

  WOW!!!! We sure had some storms in our area late yesterday! We were on the lake during the whole thing and lightening was all around us in the distance. We even thought we saw a TORNADO! We arrived home safely just before dark without one drop of rain falling on us :-/
  We were very lucky and it just doesn't pay to take chances. make sure you either have a weather radio or an "app" on your cell phone to keep up with the weather radar patterns. This way you'll know where the storm is and where its headed! Also, Make sure you have alight weight jacket with you on your boat at all times.

Lake Hartwell Poker Run....6/12/2010

LOOK for Captain Gary out on Lake Hartwell today! He'll be in a white Sea Hunt Center Console with our web site on each side: hartwell-keowee.com. I hope everyone's safe and has lots of FUN! The "After Party" is at Portman Marina in the Pavillion from 3pm-9 pm with a LIVE BAND!

Delay, delay, delay.....Banks Delaying Real Estate Closings

A few things that have unfortunately become commonplace in our current real estate market are: Closings not taking place as planned because of delays arising from lender issues. I understand that things had to be "Tightened up" but a HUGE bailout was given to many banking institutions and it just hasn't helped out our housing industry's recovery much. The market as a whole is still being flooded with bank owned foreclosures & short sales and property values are still dropping. We will NOT be able to dig our way out of this recession until the housing industry recovers. The real estate market over the past few years has been a tremendous challenge for those of us who have stuck it out. It has made me a STRONGER REALTOR as well as a stronger person. Everyone considering BUYING REAL ESTATE needs to act NOW because the inventory is overflowing and interest rates are at record lows. There are some FANTASTIC BUYS out there just waiting for the SMART BUYER.