Wowza Realty presents a refreshing new approach to doing Real Estate in a weird market.

Are the Buyers back in Kingsland and St. Marys Georgia?

2013-04-24T20:11:00Z

I would have to say the answer to that is YES. I have interviewed and placed more Buyers under contract since 1 January 2013 then the last 6 months of 2012 combined. Yesterday I closed a listing where the buyers had a interest rate of 2.875%, that's not a typo folks....2.875%. The paper has fewer foreclosures, I see a few more new constructions going up. Listings that were not getting calls at all are now being shown frequently. I am not saying the market has fully recovered, but I would say if you are on the fence about buying you may want to keep an eye on the prices. I have already noticed that home sales are starting to creep up in the area. Not all neighborhoods,but the more popular ones.

Military on orders may find it easier to Short sale if needed

2013-01-24T20:03:00Z

If your home is backed by Fannie Mae or Freddie Mac and most are. You may find it easier to short sale your home. Here is a news release that you may find helpful.

FEDERAL HOUSING FINANCE AGENCY

NEWS RELEASE

For Immediate Release Contact: Corinne Russell (202) 649-3032

June 21, 2012 Stefanie Johnson (202) 649-3030

FHFA Announces Short Sale Assistance for Military

Homeowners with Fannie Mae or Freddie Mac Loans

Washington, DC – Federal Housing Finance Agency (FHFA) Acting Director Edward J.

DeMarco today announced changes to short sale policies that will make it easier for military

homeowners with Fannie Mae and Freddie Mac loans to honor their financial commitments

when they are required to move as part of their duty.

At a news conference with Consumer Financial Protection Bureau (CFPB) Director Richard

Cordray, CFPB Assistant Director of Servicemember Affairs Holly Petraeus, and Deputy

Assistant Secretary of Defense for Military Community and Family Policy Robert L. Gordon III,

DeMarco announced that military homeowners who receive Permanent Change of Station

(PCS) orders will be eligible to sell their homes in a short sale even if they are current on their

mortgage. PCS orders often require quick moves and can create hardship for military

homeowners who are underwater on their mortgages and therefore cannot sell their home

without taking a loss. Previously, many service members felt their only option was either to

maintain financial obligations on two residences or to default on their mortgage.

“It is in everyone’s interest for the men and women serving in our armed forces to focus on the

important job they are doing defending our country, rather than worry about the maintenance

and leasing of a property in another jurisdiction,” said DeMarco. “These Fannie Mae and

Freddie Mac policy changes, in combination with related guidance last fall, should now provide

military homeowners with access to the immediate and automatic full range of foreclosure

alternatives.”

DeMarco commended the CFPB and the prudential regulators – the Board of Governors of the

Federal Reserve System, Federal Deposit Insurance Corporation, National Credit Union

Administration, and the Office of the Comptroller of the Currency – for issuing a new

interagency guidance that reinforces for mortgage servicers the importance of treating military

homeowners with PCS fairly.

Under the new policy Fannie Mae and Freddie Mac will not pursue a deficiency judgment or

any cash contribution or promissory note from members of the military with a change in duty

station for any property purchased on or before June 30, 2012. Service members must have a

Fannie Mae or Freddie Mac loan to be eligible.

Last year Fannie Mae and Freddie Mac issued guidance to mortgage servicers confirming PCS

orders as a qualifying hardship for forbearance and loan modifications.

Service members can check Fannie Mae or Freddie Mac websites to see if their loans are held by them or they can call hotlines for military homeowners at 1-877-MIL-4566 or 1-800-FREDDIE.

###

The Federal Housing Finance Agency regulates Fannie Mae, Freddie Mac and the 12 Federal Home Loan Banks. These government-sponsored enterprises provide more than $5.7 trillion in funding for the U.S. mortgage markets and financial institutions.

Overview

The Federal Housing Finance Agency is announcing changes to short sale policies that will make it easier for military

homeowners with Fannie Mae and Freddie Mac mortgages to honor their financial commitments when they are issued a

Permanent Change of Station (PCS) order.

Currently, military homeowners with PCS orders are required to move to a new duty station under short, strict timelines.

However, service members still remain bound to their financial obligations, including their mortgages. If their homes have

declined in value, they may be unable to sell the home and obtain sufficient funds to pay off the mortgage debt obligating

them to continue making monthly payments after relocating to a new duty station.

Changes to Fannie Mae and Freddie Mac short sale policies for military homeowners will alleviate some of the issues faced

when a member of the armed forces receives a PCS order including the burden of having to sell their home in a difficult

housing market. These changes dovetail with guidance issued by Fannie Mae and Freddie Mac to servicers last year

establishing PCS orders as a qualifying hardship for forbearance and loan modifications.

Effective Date

FHFA will issue guidance by September 30, 2012, and it will be effective 60 days later.

Is Your Mortgage Owned or Guaranteed by Fannie Mae or Freddie Mac?

Homeowners can determine if they have a Fannie Mae or Freddie Mac loan by going to:

• www.FannieMae.com/loanlookup or calling 800-7Fannie (8 a.m. to 8 p.m. EST)

• www.FreddieMac.com/corporate/ or 800-Freddie (8 a.m. to 8 p.m. EST)

Resources

• www.KnowYourOptions.com/Military or call 877-MIL-4566 (Fannie Mae)

• www.FreddieMac.com/avoidforeclosure or call 800-Freddie (8 a.m. to 8 p.m. EST)

What Is a Short Sale?

A short sale, also known as a preforeclosure sale, is when you sell your home for less than the balance remaining on your

mortgage. If your mortgage company agrees to a short sale, you can sell your home and pay off all (or a portion of) your

mortgage balance with the proceeds.

Federal Housing Finance Agency

Fact Sheet:

FHFA Short Sale Assistance for Military Homeowners with

Fannie Mae and Freddie Mac Loans

Details

Service members with PCS orders will be:

• eligible for a short sale immediately, even when they

are current on their existing mortgage (the PCS order

is treated as a hardship to deem them eligible);

• exempt from deficiency judgments from Fannie Mae

and Freddie Mac when receiving permission for a

short sale; and

• relieved of any request or requirement for a cash contribution

or promissory note so long as the property

was purchased on or before June 30, 2012, (to apply

personal assets to cover the shortfall after outstanding

unpaid principal balance and sales price).

Eligibility Requirements

• The person must be in the military and have a PCS

order.

• The existing mortgage must be owned or guaranteed

by Fannie Mae or Freddie Mac.

• The service member can be current or delinquent on

their mortgage to apply for a short sale.

• The property must have been purchased on or before

June 30, 2012.

2013 Mardi Gras in Historic St Marys Ga.

2013-01-18T18:59:00Z

Its that time of year again. So grab the beads and head out. I'm a little bit country. I'm a little bit rock and roll is this years theme.

St Marys, GA 19th Annual Mardi Gras Festival presented by the St Marys Downtown Merchant Association. Food booths, arts and craft booths, chili cook off, pet costume parade, parade, children's rides, entertainment. Free admission.

Show Date: February 9, 2013

Show Address: Osborne Street

Show City & State: St Marys, GA

WOWza on Facebook

2011-09-21T20:06:00Z

Our assistant Hannah recently brought us into the world of Facebook. It actually took off and has been alot of fun. It pays to hire someone that is in the know. Check us out at facebook.com and search WOWza Realty.

David vs Goliath or in my world, little Real Estate office vs giant franchise

2010-09-23T21:25:00Z

My name is Jeff McClintock. I got my start in Real Estate with a RE/MAX office. I learned alot and was always grateful for the opportunity to learn with them. In the summer of 2008 I saw my chance to open my own office. As many of you know I named it in honor of my mom who passed that same year. Flip the word WOW upside down and wa la, you have mom.

Now on to whats on my mind. But first a question. Have you ever picked up a box of generic cereal and asked the question " Is this really a name brand in disguise?" perhaps you have and perhaps you also put it back in favor of the named brand. Well in Real Estate, many believe that if you go with a name brand you have seen on tv that the service is better, the rates are better or the agents are better. My favorite is that they can sell my house. I don't really know the origins of the generic cereal, but I can say with great certainty that if you pick WOWza over a franchise you won't miss a thing. In fact you may gain a few things. We have the same licence, use the same MLS, same forms, same everything. Heres where we start to break apart. I can negotiate my rates on pretty much everything I do. Property management....flat rate of $65 a month military and seniors, no application fee for military. Reduced deposits for military. Why won't the franchise do that? I will tell you in one word OVERHEAD. Those commercials you see cost a fortune, to be one of their agents cost a fortune, the building costs a fortune.

I have overhead, but its not used on paying for a National ad, Real estate is a local matter. I spend my money locally. I spend my time learning the homes in the local area and so do my Realtors. Well thats about it, the next time you pick up that generic cereal, give it a try it might just be the good stuff without the fancy cover.

Single Story For Rent/Lease in Lake Wisteria

2010-09-23T20:52:00Z

4 bedroom, hardwood floors on cul de sac

• 2 bath, 4 bdrm single story - MLS® $995 USD Monthly - Reduced!!

Lake Wisteria, Kingsland - Beautiful 4 bedroom with 2 bath on large lot. The kitchen has been upgraded with dark wood cabinets and granite counters. The floors in main living area are hardwood and most of bedrooms are carpet. Plenty of natural light in living room as you relax by the fireplace. The back yard is very large as is the screened in porch with ceiling fan.

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Welcome to our 2 newest agents

2010-09-23T20:35:00Z

WOWza would like to welcome our 2 newest agents Andrea Villafuerte and JulieCrews.

Why I went to a flat fee for my property management

2010-04-25T20:57:00Z

The thing that makes my company a bit different is that I not only do I own it, I am the property manager. In the market that we are in, often I am presented homes owned by military that they paid top dollar for in 2006-2007. God forbid they take a 2nd mortgage. Bottom line, they can't afford to sell without bringing the farm to the closing table. With that said, I decided that I in many cases it would be wiser to rent than sell, so I would step away from the typical 10% of the rent collected and charge a $65 flat fee for transfering military and $75 for all others. I count on word of mouth instead paid adverising. So far it has worked out for everyone.

Single Story For Sale in Holly Hills Farm

2010-02-02T17:11:00Z

4/2.5 that sits on over an acre

• 1,919 sq. ft., 2 bath, 4 bdrm single story - MLS® $195,000 - A steal at this price

Holly Hills Farm, Kingsland - Spread out on over an acre. This 4 bedroom and 2.5 bath beauty has something for everyone to enjoy. Relax in the family room by the wood burning fireplace in the winter or out by the pool in the summer. Features include hardwood floors, large indoor laundry room, only 15 minutes to base and shopping. This property is eligible for 100% financing thru the USDA Rural Development Loan.

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Welcome to WOWza Realty! Kingsland, Ga

2009-01-18T15:58:00Z

Welcome to WOWza Realty! We are located in Kingsland, Ga and take care of St. Marys and Woodbine, Ga as well as the NS Kings Bay real estate markets. WOWza opened the doors in July of 2008, yes you are right, right in the middle of a crazy real estate market. To introduce ourselves........ Jeff and Tara McClintock are the owners and both Realtors, Barbara Scott is the Broker and a Realtor. Between us we have over 14 years of real estate experience right here in Camden County, Ga. Jeff is a retired Navy Chief, Tara served for 15 years in the Navy and Barbara is a retired navy wife. I am sure it goes without saying that we have moved aound and understnad the stress you go through when trying to move your family, pets, and entire house from one place to the next. Our goal for you is to make your move as smooth as possible when buying or selling your home and to save you as much money as we can. Contact us today and let us know what you need. Buying, Selling or Renting.... if it is in St Marys, Kingsland, or Woodbine Ga, we are here for you. Have an awsome day.

1 1/2 Story For Sale in Shadowlawn

2009-01-10T06:00:00Z

3600 sq ft custom built home

• 3,600 sq. ft., 3 bath, 4 bdrm 1 1/2 story - MLS® $495,000

Shadowlawn, St. Marys - Over 3600 conditioned sq ft custom built home. 4 bedrooms, 2 full baths, 1 Jack n Jill Bath, 1 half bath. Mahogany wood and travertine floors throughout, high custom stepped ceilings, office, formal dinning room, breakfast room, oversized master suite with sitting area and separate water heater for master suite bath, walk in closets, large custom cabinetry kitchen with granite counters and stainless steel appliances, formal entry, balcony off upstairs media room, separate laundry room with hide-away hamper and ironing board, built in book shelves, solid interior doors, custom trim and crown moldings throughout, custom mahogany exterior doors, energy efficient factory tinted double hung windows with hinged easy-clean feature, alarm system, programmable thermostat, water softener, oversized garage door, floored attic with pull down ladder, large back lanai and porch with fully landscaped front and back fenced yard, programmable sprinkler system on deep well for front and back yard. Home owners association include access to deep water dock and ramp.

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Single Story For Sale in Sugarmill Landing

2009-01-06T06:00:00Z

Beautiful 3/2 on cul-de-sac, upgrades

• 1,700 sq. ft., 2 bath, 3 bdrm single story - MLS® $187,900

Sugarmill Landing, St. Marys - Beautiful 3 bedroom and 2 bath home at the end of quiet cul-de-sac. Features include formal dining room, split floorplan and new upgraded carpet in bedrooms, hardwood floors in foyer and porcelain tile in main living area and kitchen. The fans and fixtures are all upgraded. The water system is a reverse osmosis and has entire house air filtation system. Wonderful kitchen with plenty of cabinets and counter space. This is great deal in any market.

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Single Story For Sale in R. Lewis

2008-12-12T06:00:00Z

4 bedroom 3 bath beauty on a corner lot

• 1,800 sq. ft., 3 bath, 4 bdrm single story - MLS® $174,000

R. Lewis, St. Marys - Wow what a deal. Enjoy a home that has 2 master bedrooms and 2 large living areas. All this under 1800+ square foot heated and cooled. Remodeled just 3 years ago, hot water heater is new. A large laundry/mudroom with cabinets to spare.

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2 Story For Rent/Lease in Admirals Point

2008-12-12T06:00:00Z

Beautiful 3/2 overlooks the river

• 2,333 sq. ft., 2 bath, 3 bdrm 2 story - MLS® $2,400 USD Monthly - What a deal

Admirals Point, St. Marys - Panoramic Water & Sunset Views located in a cul-de-sac,1/2 mile to public boat launch at the Crooked River State Park and only 5 minutes to the intercoastal. Expansive wrap around porch, custom pine floors, central vac, 2+ over sized garage 3 bedrooms, 2 bath, sun room with views, sitting porch off master bedroom, jacuzzi whirlpool tub, outdoor shower, office / bonus room, nicely appointed walk in closets. Short and long term lease available. Please Call for more information!

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Single Story For Rent/Lease in Crooked River

2008-12-12T06:00:00Z

Wonderful deal on 3/2 with large yard

• 2 bath, 3 bdrm single story - MLS® $825 USD Monthly - Get one month at $700

Crooked River, St. Marys - WOW! DARLING 3/2 LARGE FENCED BACK YARD, STOVE, MICRO-
HOOD, WASHER-DRYER, FREEZER, HOME WARRANTY, TILE IN KIT.
WOOD FLOORING-1184 SQFT TBVBB

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