No need for a big down payment!

Worried about the size of your down payment? You might be over-stressing. While slightly higher than last year, average FICO credit scores for FHA and conventional loans are still lower since 2012, sitting at 757 for conventional and 688 for FHA. Down payments are still low as well. Thanks to delays in enacting portions of the Frank-Dodd Act you can still get a mortgage with 3% down, especially with FHA (83% are 3% or less). So if you are considering purchasing a home in the greater Augusta area, the surrounding country, or even across the river the ability for you to obtain a mortgage has never been better even if you don’t have perfect credit or a large down payment!


Want to figure out what your rate would be? Check out from our expert at Georgia Bank and Trust!

Cyndi_EberClick here to get more information from Cyndi! 

Cyndi Eber
706.739.0123 ext. 3215

NMLS#: 462387



Or get preKate-Hudson-qualified today Online with another great lender, Element Funding.

Click Here to get in touch with Kate! 

Kate Hudson




Or try out’s Down Payment Estimator! Then call your lender!

Curb Appeal For Beginners

Whether you are looking to sell your home or impress the neighbors, curb appeal is a greatly appreciated effort. Here is a list of some simple steps you can take to improve your homes exterior appearance.


  • Lighting- Upgrading your blogexterior lighting fixtures is a simple and affordable step you can take. Another quick fix is to add lighting to your walk ways. This creates a warm and inviting glow for guests or prospective home buyers who may be in the neighborhood after dark.
  • Dress Up Your Door- Whether you put up a fresh coat of paint, introduce color with paint or hang a seasonal wreath decorating your entry on the outside is a great way to add character to your home. Check out this great example of dressing up your exterior with color from my favorite HGTV show, Fixer Upper!
  • Update Your Hardware- We’ve all heard the saying “it’s the little things” …And it’s true! Don’t overlook updating the small stuff. Your door knocker, knobs, door bell and even your house numbers.
  • Symmetry- Adding symmetry to the front of your home is very appealing and draws guests or potential home owners in. Check out the amazing curb appeal on this  Hardy McManus Road property to see a perfect example of exterior Symmetry.

We hope you enjoyed these quick tips to help spruce up your homes exterior as much as we’ve enjoyed putting them together for you.

Greens in the Augusta Area

The Augusta area is home to some of the countries most beautiful and intricate Golf Courses.

Check out these three (of many) we’ve highlighted for you!
  • The River Golf Club in North Augusta, while a semi private club, does accept public play. It has a full practice range, two puttinggreens as well as a chipping green. The River Golf Club generously offers a weekday discount to seniors, students and active duty military. Golf lesson packages for all ability levels are also available. Check out our Shoreline property that has some pretty spectacular course views.
  • Forest Hills Golf Club a 7140 yard, par 72 course was established in 1926. Forest Hills has repeatedly been named the “Best Public Golf Course” by Augusta Magazine. They offer a wide range of memberships, all of which include green fees and complimentary usage of the driving range. Public tee times can be reserved seven days in advance. Proper golf attire is required. The Forest Hills Golf Club is a soft spike facility.
  • Last but certainly not least The Augusta National Golf Club, a celebrity in itself, home to the prestigious Masters. Formally opening in 1933, The Augusta National Golf Club hosts the annual 4 day, 72 hole tournament the first week of April. A neat fact, the 16th hole is played entirely over water.
Don’t forget where you packed your clubs when moving in the Augusta Area, you don’t want to miss out on these courses!