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Prudential Georgia Realty
P.O. Box 2287
Clarkesville, GA 30523
Phone: 706-778-4171
Fax: 678-343-2552
Toll Free: 770-530-6300
Contact Page

What others are saying about Patricia Bower...

“We are so grateful we found you. Words cannot describe how thankful we are that you helped us sell our home and find one that we will be happy in for a long time. You went above and beyond what we have ever experienced in a real estate agent. We would recommend you to anyone we know buying or selling real estate.”
 
“We were happy with Patricia in all of our prior transactions and once again, are very happy with her service. We recommend her to anyone looking for a great Realtor.”
 
“Everything Patricia did was very professional. I selected her because of her knowledge.
I had been looking for years and know many real estate agents. She is tops!”
  
“I highly recommend Patricia. As a local builder, I never saw the value of using a Realtor to sell my spec houses, till I met Patricia. She is one of the smartest people I know and can solve many problems. She has made me money and saved me money. She is worth every bit of her commission, smart, savvy, an excellent communicator & negotiator.
 
“We were very pleased with everything Patricia did in selling our property. There would be nothing we would change and would use her again and recommend her to others.”
 
“With confidence I can say that Darren and I made one of our wisest decisions in choosing you to represent us in the sale of our home. You are a credit to your industry.”
 
“Patricia was patient and listened to our wants and needs, and made our home buying experience great! She is extremely friendly and knowledgeable.”
“Patricia then helped us sell the home we bought with her due to relocation. Once again, first class all the way.”
 
“Patricia, thank you. You certainly have a gift for finding people what we want and need. Your professionalism and personality are a breath of fresh air to anyone wishing to buy or sell real estate. Thanks again for all you have done to put us in our dream home.” 
 
“Patricia had a marketing plan. She communicated it effectively, and executed it professionally. I would absolutely recommend Patricia to my family and friends for their real estate needs.”
 
“Patricia is very professional, has a vast knowledge of the market, and is extremely hard working! Service was excellent. I have used Patricia numerous times for all my real estate transactions. Her record of success and knowledge is outstanding.”
 
“Patricia is very knowledgeable and gives options and reasons to go in different directions without trying to push you toward one decision”.
 
“Patricia we cannot begin to thank you enough for all that you did in the selling of our homes. We really appreciate all the hard work & headaches involved with both of our homes. Your handling of the paperwork involved in our relocation was truly outstanding. It was a pleasure working with you and if we know anyone moving to the area or selling we’ll send them your way.”
 
“Dear Patricia, So many things to thank you for-a beautiful house, your patience, and friendship and just for being a pleasure to spend time with…Thank you so much for all you have done. You made our relocation a pleasure for us…we LOVE our new home”.

 

 

“Patricia listens. She was able to find me what I was looking for after years of searching with our agents, and it was the first and only home she had to show me. To top that off she handled the negotiation so well, my first “low-ball” offer was accepted. Follow-thru on this closing was a “nightmare” but Patricia was there every day, every step of the way.
I highly recommend Patricia”.
 
 

 

Types of Loans
  • Fixed Rate Loans—An excellent way to lock into a low interest rate for the life of your loan.

     
  • Adjustable Rate Mortgages (ARM's)—The flexible loan, with lower initial rates and payments.

     
  • Initial Fixed Rate Loan—Start with a rate generally lower than standard fixed rate loans.
30 Year Fixed Rate
Borrower Goals Loan Parameters
•  Plan to live in the property over 10 years
•  Like total payment stability
•  Interest rate & monthly payment remain the same for 30 years

15 Year Fixed Rate
Borrower Goals Loan Parameters
•  Plan on staying in property over 10-15 years
•  Want to pay off property faster than 30 years
•  Lower interest rate than 30 year loan
•  Interest rate & monthly payment remain the same for 15 years

10/1 Year semi-fixed
Borrower Goals Loan Parameters
•  Plan to live in property approximately 10 to 12 years
•  Like initial payment stability, can accept interest rate change later
•  Interest rate & monthly payment fixed for the first 10 years
•  Starting the 11th year, interest rate adjusted every year, so payment is subject to change every year for remainder of loan

7/23 (2-Step) or '30/7 + 23'
Borrower Goals Loan Parameters
•  Plan to live in property approximately 7 to 8 years
•  Can tolerate one payment adjustment
•  Interest rate & monthly payment fixed for the first 7 years
•  Conversion option: On the 8th year, interest rate adjusted to reflect prevailing fixed interest rates, resulting payment will remain the same for remainder of loan

7/1 Year semi-fixed rate
Borrower Goals Loan Parameters
•  Plan to live in property approximately 7 to 8 years
•  Like initial payment stability, can accept change later
•  Interest rate & monthly payment fixed for the first 7 years
•  Starting the 8th year, interest rate adjusted every year, so payment is subject to change every year for remainder of the loan

5/25 (2-Step) or '30/5 + 25'
Borrower Goals Loan Parameters
•  Plan to live in property approximately 5 to 6 years
•  Can tolerate one payment adjustment
•  Interest rate & monthly payment remain fixed for the first 5 years
•  Conversion option: On the 6th year, interest rate adjusted to reflect prevailing fixed interest rates, resulting payment will remain the same for remainder of loan

5/5 & 5/1 Year semi-fixed rate
Borrower Goals Loan Parameters
•  Plan to live in property approximately 5 to 6 years
•  Like initial payment stability, can accept later changes
•  Interest rate & monthly payment remain fixed for the first 5 years
•  Starting the 6th year, interest rate adjusted every 5 years(for 5/5 ARM) and every year (for 5/1 ARM)

3/3 & 3/1 Year semi-fixed
Borrower Goals Loan Parameters
•  Plan to live in property 3 years or less
•  Like initial payment stability, can accept later changes
•  Interest rate & monthly payment remain fixed for the first 3 years
•  Starting 4th year, interest rate adjusted every 3 years (for 3/3 ARM) and every year (for 3/1 ARM)

Adjustable rate loans
Borrower Goals Loan Parameters
•  Want to take advantage of lowest rate possible
•  Are willing to accept yearly payment changes OR
•  Cannot qualify at higher rate programs
•  Interest rate adjusted every year, so monthly payment is subject to change every year for entire 30 year loan term
•  Potential higher payments (at maximum interest rate)
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The Accredited Buyer Representative (ABR®) designation is the benchmark of excellence in buyer representation. This coveted designation is awarded to real estate practitioners by the Real Estate BUYER'S AGENT Council (REBAC) of the NATIONAL ASSOCIATION OF REALTORS® who meet the specified educational and practical experience criteria.GRI stands for Graduate REALTORS® Institute. The GRI designation acknowledges REALTORS® who have completed a comprehensive education program that provides practical real estate training. This program is above and beyond the education required to earn a real estate license.An arrangement by which real estate brokers place their listings together so that all members of the multiple-listing service have an opportunity to sell properties listed by other members of the service.A real estate agent is a REALTOR® when he or she becomes a member of the NATIONAL ASSOCIATION of REALTORS® The term REALTOR® is a registered collective membership mark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION of REALTORS® and subscribes to its strict Code of Ethics.CRS stands for Certified Residential Specialist. The CRS is a nationally-recognized designation. REALTORS® with the CRS are acknowledged for advanced study in listing, selling, investment, taxes and a proven record of experience in applied residential marketing.Hold mouse over logo for description.