November 12, 2010

There is a very informative website for homeowners who are struggling financially and having difficulty in making their monthly mortgage payments. provides useful information and resources to aid homeowners to avoid foreclosure. Fannie Mae has launched this new website and includes information such as Fannie Mae resources, credit score, information, housing counselors, video , calculators, recognizing and avoiding foreclosure scams, and much more. Visit

How is Real Estate Market in Albany, Georgia!

October 5, 2010

“How is the real estate market in Albany, Georgia?”  is a common question I am asked everyday.  UNBELIEVABLE!  Buyers are buying and Sellers are selling.

One interesting note is sellers are receiving 95% of the listing price.  What does this Mean?  Pricing your home becomes a very important element in selling your home. As your realtor at Coldwell Banker Walden and Kirkland, I will be able to provide this vital information that will help determine the value of your home. A comparable market analysis as well as determining the home’s competition that are actively on the market as well as expired listings is a feature that will guide the seller in knowing what his home is worth. Another part of pricing the home is looking at the condition of the home such as age of HVAC, ROOF, WATER HEATER, Electrical wiring and panel of the home to name a few. Cosmetic features as well as staging the home just puts the icing on the cake in helping get the house sold. 

 Albany’s Market Statistics:

                      Jan. 2010                                            August 2010

Ave list  $      $154302                                              $149766

Ave Sold $    $144442                                              $139857

It has been shown that one can make more money by selling down and buying down in this market!

Mary Linda Cotten, CRS , ABR, GRI, SSF

Coldwell Banker Walden & Kirkland

Getting your House in Order Before listing it!

September 30, 2010

Home value has become  a vital priority in the minds of today’s homeowners particularly in this volatile market.  Staging your home including decluttering can play a critical role in attracting buyers in making an offer.  In a market that is flooded with homes that are for sale, presentation becomes even more important.  It sets your house apart from the rest. As a professional realtor at Coldwell Banker Walden & Kirkland,  I offer a Re-Design Team that will view your home and will provide a report  that the seller could do to make the home even more appealing to the buyer.  I have truly witness this team’s talent and what great response I have had with buyers and buyer’s agents.  For more information Contact Mary Linda Cotten,

Best Kept Secret Unveiled…FHA 203K

September 28, 2010

Becoming aware of the loan called FHA 203K and Rebuild USA is a great opportunity for buyers to purchase distressed property and renovate them in a single loan with a single closing. Since 80% of the homes in America are twenty years old or older, this type of loan can be quite beneficial. FHA 203K features several aspects:

  1. Providing funds for purchasing,

    Distressed Property

    refinancing or renovating the property.

  2. Easier to qualify.
  3. Requires 3.5% down payment.
  4. Loan is backed by the Federal Government.
  5. Owner occupant only.
  6. And many more advantages.

This becomes a win-win opportunity for homeowners to purchase a distressed property or foreclosure and make these renovations after closing. For further information visit