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"They go above & beyond the duties of a realtor!!"
"These two go above and beyond the duties of a realtor!!"
"Scott & Lacy Eaves"
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Serving the Northeast Georgia and
Western North Carolina
Lake Chatuge & Mountain Communities!
"THE EVANS TEAM" - Licensed in Georgia and North Carolina
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Also featuring properties listed by Mary Hedden(828-226-6669) our latest addition to "THE EVANS TEAM"
Hello and Welcome!
You Have 2 Options for finding your next home:
Search the MLS Yourself!
Simply click here for immediate access to thousands of available properties in the Hiawassee, Young Harris, & Blairsville, GA and Hayesville & Murphy, NC areas.
I'll Search For You!
Tired of spending hours on a computer filling out the same forms day after day? Click here to email me your criteria (# of bedrooms, style of home, location preference, etc.) and I'll do the searching for you! Look for an email from me with the results.
Click on the colored text and/or pictures below to view additional informative websites.
Featuring Mountain and Lake Property Locations that are within two hours of Atlanta, GA, Asheville and Cherokee, NC, and Gatlinburg, Chattanooga, and Knoxville, TN.
Minutes to a multitude of activities, such as: Boating, White Water Rafting, Fishing, Hunting, Hiking, Horse Back Riding, and more!
Most areas are comprised of 50-60% National Forest, TVA, and/or other government and state owned property. Therefore, the beauty is indescribably changing throughout the four seasons. An extra bonus is low property taxes. The counties below have some of the lowest tax rates in Georgia and some of the lowest tax rates in North Carolina.
 "THE FUTURE IS NOW" - Young Harris College Awarded Four Year Status!
Young Harris College is now a 4-Year college! The College is accredited by the Commission on Colleges of the Southern Association of Colleges and Schools (SACS) to award associate and baccalaureate degrees!
This 122 year-old institution will now be offering bachelor's degrees in biology, business & public policy, English and music in the fall of 2009. For over a century Young Harris College has attracted many future leaders, entertainers, artist and business leaders. Some of these notables include Zell Miller, Oliver Hardy, country music singer Trisha Yearwood and Internet entreprneurs Scott Thompson and Tim Enloe.
Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job.
Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR real estate agents. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.
Buying and selling a home is one of the biggest events in your life. As top Towns County (Hiawassee and Young Harris) and Union County (Blairsville) GA, Clay County (Hayesville) and Cherokee County (Murphy) NC real estate agents, we have the experience and track record you are looking for. Please let us help.
- "The Evans Team" Ted & Ginger
Financing Your Home >ARMs
Here is a tip for those who are shopping for Adjustable Rate Mortgages (ARMs): the "margin" is almost as important as the initial rate. The margin is the percentage point above the average yields for Treasury notes on which future rate adjustments will be calculated.
Let's compare two hypothetical one-year ARMs. The first may have an initial interest rate of 7% with a 2.5 margin, while the second begins at 6 7/8% with a 2.75 margin. Both loans have rate caps of 2%. Suppose that at the end of the first year of the loan, the average of the one-year Treasury note yield has been 5 1/2%. For each loan, the lenders will add the margin to that 5 1/2% average yield. Thus the interest rate for first loan would increase from 7% to 8%, and the second would go from 6 7/8% to 8 1/4%. While the first ARM had a slightly higher initial rate, it will have lower rates in subsequent years, unless the Treasury note rates increase enough to activate the annual caps on the amount of the increase. There is a wide variance among margins in ARMs offered by competing lenders, and this should be a factor when you decide on your loan.
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| Q |
What weighs 320 tons and is considered the largest single block building?
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| A |
Pyramid of Mycerinus (Third Pyramid) at El Gizeh, Egypt is the largest single block building and the world's oldest pyramid. |
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NUMBER1EXPERT®
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All rights reserved. All information deemed reliable but not guaranteed.
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- NUMBER1EXPERT™ 
