Hampton Golf Community and Real Estate - Cumming, GA

06/04/2026

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06/01/2026

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05/30/2026

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05/26/2026

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05/22/2026

I am so excited to have been able to help these sellers onto the next part of their journey.⛱️ Dreams do come true! We are equally excited for the buyers getting a great house🏠 in a wonderful community!⛳️WQe are ready to help someone else, just give us a call, send a text or email!

05/10/2026

That “4.99% rate” on the flyer?

Yeah… my clients almost signed before we actually looked at the fine print. 👀

The rate was real.

But the story behind it was very different.

What they discovered:
⚠️ The low rate only lasted 2 years
⚠️ The payment jumped dramatically in year 3
⚠️ The builder’s lender added thousands in fees
⚠️ The “deal” only worked if they refinanced later
⚠️ The math looked great… until we did the real math

Builder incentives can absolutely help buyers in today’s Metro Atlanta market — but only when you understand the full financial picture, not just the headline rate.

Before you sign anything:
✔️ Ask if the buydown is temporary or permanent
✔️ Calculate the future payment now
✔️ Compare lenders independently
✔️ Understand the break-even point
✔️ Review the APR and lender fees — not just the interest rate

A lower payment today does not always mean a better deal long term.

💾 Save this for later — especially if you’re shopping new construction.

📧 [email protected]
🏡 Tina Hecht | Keller Williams Atlanta Partners South

04/30/2026

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04/26/2026

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Important things to check before buying a house:

1. Monthly HOA fees Fees in North Metro Atlanta run $50–$500+/month. A $400/month HOA adds $4,800/year to your housing cost.

2. Special assessments history Ask for 3 years of meeting minutes. Surprise assessments can hit homeowners with $2,000–$10,000+ bills.

3. Reserve fund balance Underfunded reserves mean future emergency assessments. That's a financial red flag.

4. Pending litigation Active HOA lawsuits can affect your mortgage approval — especially on condos. Ask before going under contract.

5. CC&R restrictions Parking, rentals, pets, fences, paint colors — review the rules carefully before you're bound by them.

6. Management company reputation Poor HOA management drags down property values. Research them before you commit.

FAQ: What should you investigate about an HOA before buying in Metro Atlanta? Fees, special assessments, reserve funds, litigation, CC&Rs, and management quality should all be reviewed before making an offer.

Tina Hecht | Realtor |North Metro Atlanta
[email protected]

04/24/2026

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Happy for my seller to have this sale under his belt. It was difficult, but we made it to the finish line. Contact me if you are looking to sell in the near future!

04/22/2026

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Most buyers think negotiating the purchase price is where the real savings happen.
It’s not. And the math proves it.

Let’s break it down using a $650,000 home purchase in today’s market.
With 3.5% down at a 6.5% interest rate, your loan amount is approximately $627,250, putting your monthly principal and interest payment right around $3,960.
Now here’s where strategy matters.

If you negotiate $15,000 off the purchase price, the home drops to $635,000. Your loan decreases slightly to about $612,250, and your new monthly payment comes in around $3,865.

That’s a savings of roughly $95 per month.
Sounds decent… until you see the alternative.

Take that same $15,000 and use it as a seller-paid credit to buy down your interest rate instead.

If that credit brings your rate down from 6.5% to around 5.5% on the original loan amount, your monthly payment drops to approximately $3,560.
That’s about $400 per month in savings.

Same $15,000.
Completely different outcome.

Over time, that difference compounds in a way most buyers don’t even realize when they’re negotiating.

This is the gap between negotiating emotionally… and negotiating strategically.
In a market like North Metro Atlanta—where affordability is already stretched—how you structure your offer matters just as much as what you offer.

Because the goal isn’t just to “win” the house.
It’s to be able to comfortably afford it after you move in.

Tina Hecht
North Metro Atlanta Realtor
📩 [email protected]