Kristin Joyner - Realtor I Broker

Kristin Joyner - Realtor I Broker Getting You hOMe While attending college, Kristin took her real estate salesperson class and managed a large multi-unit apartment complex.

Kristin Joyner is an Operating Partner, Georgia Qualifying Broker, & Relocation Director for Living Down South Realty, and is responsible for compliance, coaching, recruitment, and overseeing all brokerage engagements and sales transactions for our firm. Living Down South is blessed to have Kristin on board applying her high level of competence and business acumen, community outreach, and thought leadership to all aspects of our organization. Growing up in Athens, Georgia, it’s only fitting that Kristin graduated from the University of Georgia in Athens where she earned her degree in Education and is also a life-long Dawg fan. Upon graduation, Kristin realized that a career in real estate was her calling. With 29 years of real estate industry experience, Kristin loves mentoring others through the most expensive purchase they will ever make. “I have always enjoyed helping others and with each transaction, I learn something new.” As the Living Down South Managing Broker, Kristin also contributes unique problem-solving skills. She believes that “when compassion and understanding occur, all problems can be solved.” She has recently completed The Graduate, REALTOR® Institute (GRI) designation. This designation is recognized by the National Association of REALTORS. To hold the GRI designation REALTORS must: Have pursued a course of study that represents the minimum common body of knowledge for progressive real estate professionals; Have developed a solid foundation of knowledge and skills to navigate the current real estate climate—no matter what it’s condition; Are recognized nationally; Act with professionalism and are committed to serving their clients and customers with the highest ethical standards. In addition to real estate, Kristin has always been open to new and different interests. She is a board-certified health and wellness coach and holds a master’s degree in yoga therapy. Kristin teaches for the Emory University Health and Wellness Coaching certification program and provides yoga therapy for the Veterans Administration and Lake Hartwell Yoga. When not Brokering, Kristin and her husband Raymond who currently live in Northeast, GA on Lake Hartwell can be found boating and relaxing on their dock listening to dock tunes, attending UGA Football games, or catching up with their grown kids Marilynn and Ray. They have 3 ‘second chance’ mutts, Lilly, Mini-Man, and Bella, and an adopted prison kitty, Emmy. In her free time, Kristin can be found on the lake teaching paddleboard yoga in the best-looking yoga studio in Georgia.

Title insurance is important. When buying or selling a property, an insurable title is needed for any loan approvalHere ...
09/17/2026

Title insurance is important. When buying or selling a property, an insurable title is needed for any loan approval

Here are five things worth knowing:

1. It protects against certain title risks such as undiscovered liens, ownership claims, or errors in public records, depending on the policy.

2. It's different from home insurance. Home insurance generally covers the property and its contents, while title insurance focuses on certain risks connected to ownership and the property's title.

3. Coverage varies. What's protected, excluded, and subject to limits depends on the specific policy and local rules.

4. It's generally a one-time premium. In markets where title insurance is available, the policy is typically purchased for a single premium rather than as an ongoing monthly cost. I believe it is one of the MOST affordable insurances you can buy.

5. It doesn't replace a title search. A title search or examination is still an important part of identifying potential ownership issues before closing.

Title insurance rules and availability vary significantly by location, so buyers should review the policy carefully and understand exactly what protection it provides.

Mortgage rates inched up to 7% with the Feds decision to battle inflation. Sellers this gives you the opportunity to off...
09/17/2026

Mortgage rates inched up to 7% with the Feds decision to battle inflation. Sellers this gives you the opportunity to offer rate buydowns to buyers to stand out from the competition, buyers look at alternative mortgage products such as an adjustable rate mortgage to get you in a home and look to refi in a few years.

Instant Reaction: Mortgage Rates, September 16, 2026

"Average mortgage rates rose from 6% in late February to 7% this week, ahead of the Federal Reserve's first rate hike in three years today."

Everyone’s been watching mortgage rates. But there’s another trend buyers shouldn’t overlook...Every fall, the housing m...
09/15/2026

Everyone’s been watching mortgage rates. But there’s another trend buyers shouldn’t overlook...

Every fall, the housing market tends to shift.

More homes hit the market. Asking prices often soften. And sellers are usually more willing to negotiate.

Those seasonal changes happen almost every year – and they can make buying a little easier.

Let’s talk about whether those same trends are showing up in our local market – and what it means for you.

southcarolina livingdownsouth

Today, we honor the courage and resilience of those we lost and the heroes who emerged on September 11, 2001. We stand u...
09/11/2026

Today, we honor the courage and resilience of those we lost and the heroes who emerged on September 11, 2001. We stand united in remembrance, with hearts full of gratitude for the sacrifices made and the strength shown by so many. Let us continue to carry their legacy forward with compassion, unity, and hope for a brighter future.

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Fixed or variable? Which home loan fits your plans? The right option depends on more than today's interest rate. It's wo...
09/10/2026

Fixed or variable? Which home loan fits your plans? The right option depends on more than today's interest rate. It's worth looking at how each structure could affect your payments, flexibility, and total borrowing costs over time.

Fixed rate – Your interest rate is set for a defined period, providing more predictable payments during that period.

Variable or adjustable rate – Your interest rate can change based on the loan terms and market conditions, which means your payments or borrowing costs may change over time.

Before deciding, consider how long you plan to own the home, how much payment flexibility you have, your tolerance for changing rates, and the full costs and features of each option.

Mortgage products and rules vary by market and lender, so make sure you understand exactly how your chosen loan works.

Compare the options carefully and choose a home loan that fits both your budget today and your plans for the future.

A home is where traditions begin, milestones are celebrated, and memories are made that can last for generations. Whethe...
09/09/2026

A home is where traditions begin, milestones are celebrated, and memories are made that can last for generations.

Whether you're buying your first home, upgrading to fit a growing family, or searching for a fresh start, finding the right place is about creating a foundation for the future.

Reach out today to start the search for a home where your next chapter can begin.

Happy Labor Day!Today, we celebrate the hard work, dedication, and contributions of the people who help build our commun...
09/07/2026

Happy Labor Day!

Today, we celebrate the hard work, dedication, and contributions of the people who help build our communities every day. Whether you're spending the day relaxing with family, enjoying time with friends, or taking a well-earned break, we hope you have a safe and wonderful holiday.

Wishing everyone a happy and restful Labor Day!

09/05/2026

Check out the new video for 222 Lexington-Carlton Road! Don't hesitate to reach out with any questions here or at (770) 318-0946. Be sure to follow for more Lexington listings!
#30648


Kristin Joyner, CLHMS, CRS, GRI, ABR
BROKER, licensed GA & SC
Living Down South Realty
770-318-0946 direct
706-806-8808 office
[email protected]
livingdownsouth.com
kristinjoyner.com

CONGRATULATIONS to our SELLERS Jane and Steve!  NOW SOLD in TOWNVILLE!If you are ready to jump into Lake life, visit us ...
09/02/2026

CONGRATULATIONS to our SELLERS Jane and Steve! NOW SOLD in TOWNVILLE!

If you are ready to jump into Lake life, visit us at LivingDownSouth.com

Listed by Living Down South Realty

What a great picture! Happy Saturday everyone!
08/29/2026

What a great picture! Happy Saturday everyone!

A little clarification on that incredible bald eagle photo! 🦅🐟

We’ve seen quite a few comments and questions about the bald eagle photo we recently shared, so we wanted to clear up the story behind it.

After talking with the photographer, we discovered that this photo was actually taken on July 16th, 2025, when the lake was at full pool. The photographer recently came across the photo in her memories and shared it with us, and we thought it was too incredible not to share!

And for those wondering—the photo is real! It was taken on an Samsung Galaxy S21 and has not been AI-generated or altered to create the eagle, fish, or scene.

We apologize for the confusion about when the photo was taken. We shared it because it was an amazing moment captured at the park, but we should have included the original date when we posted it.

So, mystery solved: real eagle, real fish, real photo… just a little older than we initially realized. 😊🦅

Thanks to everyone who asked questions and helped us get the story straight!

Bald Eagle with the catch of the day! Photo credit goes to Brandi Glass, thank you for sharing this epic photo!

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Hartwell, GA

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