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Fixed rate. Adjustable rate. Interest Only. Flex. All of the different types of home loans that are available these days can puzzle many homebuyers. But, say mortgage experts, virtually every home loan is one of two types: a fixed rate loan or an adjustable rate loan.

If improving your home’s curb appeal tops your list of projects to do around the house, take note: creating curb appeal doesn’t have to be extensive or expensive.

Not so long ago, housing inventories were turning over so fast you had to pretty much put a bid on the home of your dreams the day you found it, or someone else would snap it up. But times are changing. Rather than staying on the market for just a few days, or a week or two, single family homes are now taking 30 to 60 days or more to sell in most markets.

Jack Sauers, who has been instrumental in Killearn's golfing operations for the past 38 years, has been named general manager of Killearn's Eagle's Brooke Golf & Country Club, which is currently under construction.

If your bills are piling up and you're worried about losing your home, you're not alone. As rising foreclosure rates indicate, thousands of Americans are touched by foreclosure every year. But many could be prevented, if homeowners sought help sooner from their mortgage company or through a new toll-free, confidential hotline.

Technology is changing how Americans buy and sell homes in unexpected ways, including how they work with real estate agents and brokers. That's a key finding of one of the largest surveys of real estate consumers ever conducted.

Coldwell Banker Bullard Realty was No. 1 in Georgia and No. 6 nationally in mortgage volume in the end-of-year figures released by Coldwell Banker Real Estate Corporation.

There's good news for those who want to buy unimproved parcels of land. Using a Web site, one company has developed an innovative way to match buyers with property that fits their needs-ranging from a first-time buyer to the experienced land purchaser.

After funding more than 3.3 million hotel/motel room nights in order to provide tens of thousands of families with emergency housing, the Federal Emergency Management Agency is winding down the program and continuing its efforts to transition those displaced by Hurricanes Katrina and Rita to longer term housing solutions.

The Greater Atlanta Home Builders Association is offering the Academy for New Home Buyers, a free class to educate and guide first-time home buyers through the process of buying or building a new home.

• Robbie Deal has joined Century 21 Southern Crescent as a sales associate.

He comes to the firm after more than a decade in the transportation industry, time spent in the NASCAR racing world, and eight years in the Air Force and defense industry.

Connie Dyer of The Home Source Realtors is now builder representative selling custom homes at Maple Shade II in Peachtree City.

Century 21 Southern Crescent in Fayetteville has announced that four agents have earned designations.

Colonnade Custom Homes, a John Wieland company, announces a new phase of secluded home sites is available in River Oaks, a prestigious custom home neighborhood in Fayette County. The wooded lots are priced from the $150s and range from two to five acres; homes are priced from the $700s. Buyers may choose from a portfolio of inspiration plans and work with a Colonnade consultant to design their dream home.

Bob Adams Homes and the Universal Design Alliance are in the final stages of completing the 2006 Livable Lifetime Show House. The show house will be available for public tours from March 11 through April 1.

SunTrust Bank will present its annual economic forecast at the upcoming February meeting of the Home Builders Association of Midwest Georgia.

Stephen Walker, a Fayette County resident and top-producing Realtor with Prudential Georgia Realty, was featured on the January 2006 cover of Broker-Agent Magazine as the Broker-Agent of the Month. The cover story is an intimate interview with Stephen Walker, including his life and business philosophies as well as what has influenced him to become one of the top-producing real estate professionals in the region.

Prudential Georgia Realty has posted record sales every year it has been in business. Operating since 1963, that’s 42 record years. The firm’s 2005 stats continue this uninterrupted record. With $2.8 billion in sales, the company experienced double digit growth with a 22 percent increase over 2004 sales.

Bryan Alewine has been named Rookie of the Year for Century 21 Scarbrough Properties.

Century 21 Scarbrough Properties has recognized Myra Jernigan as their Agent of the Year. This is the 14th year Myra has received this award.

Mayfield Homes is the newest builder at The Lakes at Cedar Grove, bringing their standard product — four-sided brick homes — to South Fulton County’s premier master-planned community.

Less than a year after the grand opening for the neighborhood, Brayson Homes is nearing the closeout of sales in The Gables, a 92-home neighborhood in Minerva Properties’ resort-styled master-planned community which spans the Henry and Spalding County line.

Patrick Malloy Communities reports a second consecutive year of record homebuilding and growth for 2005. The Company posted its best quarter in eleven years of homebuilding, as well as its fourth straight quarter of growth. The company’s revenues jumped more than 34 percent over year-end sales and closings for 2005.

Tom Tomlin is the new PHH Mortgage financial services representative in Coldwell Banker Bullard Realty’s Peachtree City/Fayette County office.

Gramm & Associates, Inc., a full-service real estate development and marketing company specializing in new home communities, proudly announces the grand opening of Liberty Square Park.

Brayson Homes will give new home buyers a one percent instant rebate on the total price of a new home effective immediately, according to Brayson's director of marketing, Amy Hughes.

Steve Bayliss, managing broker of the Coldwell Banker Bullard Realty Jonesboro/Clayton County office, was the guest speaker for the February breakfast meeting of the Coweta Chapter of the Women's Council of Realtors, Feb. 2 at the White Oak Country Club.

A large crowd was on hand recently when Coldwell Banker American Land Mart of Conyers held its 12th annual Builder/Developer Appreciation Christmas Luncheon. This year’s event was at the Smyrna Presbyterian Church Dining Hall in Conyers.

Graduating from a recent intensive training prospecting course at Century 21 Scarbrough Properites known as The Grid include Robin Mann, Faizal Supariwala, Brenda Hill, Will Rippeto, Ramona Frey, Cecilia Taylor, Polly Garlington, Sandra Cruder, Ethel Moore, Fred Taylor, Andrea Epps and Gary Clevenger.