Wednesday, July 10, 2019

Water's Edge Community Stone Mountain Georgia HOA Information Mover's Guide

Waters EdgeWaters Edge Subdivision is a beautiful planned unit development that was created by Arvida.  The lake community is situated around a breathtaking, 140 acre scenic lake.  Water’s Edge is an elegant Club community that blends the aesthetics of lakeside living with the enticing advantages of a truly active lifestyle.

Located in DeKalb County, within 30 minutes access to downtown Atlanta, and many of Georgia’s nationally recognized landmarks, this prestigious Stone Mountain address offers our homeowners the benefits of owning a new home in a well-established, wooded community surrounded by the peace and tranquility of Mother Nature.Water’s Edge offers one of the most generous amenity packages in all of metro Atlanta.

• 140 Acre Lake
• Sailing
• Fishing
• Swimming Pools are Located in Lakeside, Dockside , Water's Edge at the main clubhouse
• Tennis
• Boat Ramp
• Boat Dock
• Clubhouse
• Basketball
• Volleyball
• Playground


Managed by Homeowner Management Services Inc.
P.O. Box 2458
Alpharetta, GA 30023-2458
Phone: 770-667-0595
Fax: 770-667-6315
HMS@HMS-inc.net
IMPORTANT REMINDER
TO WATER’S EDGE HOMEOWNERS
 Absolutely no changes to the exterior of your residence, i.e. cutting down trees, repainting, replacement/repairing a roof, driveway repairs/repainting/pouring, fences, decks, etc…may be done without prior approval from the Architectural Control Committee (ACC).
 There has been an influx of reports of residents having roofs replaced and cutting down trees without obtaining approval from the HOA. You may obtain applications for your proposed changes via the website or thorough the management office.
 STRICT FINES ARE IMPOSED FOR NON-COMPLIANCE (Article 5.05).
 Please refer to the following Articles in the Declaration of Covenants:
 5.05 (Page 18) Design Standards“…Nor shall any existing structure upon any lot be altered in any way which materially changes the exterior appearance of the Structure of lot, unless plans and specifications therefore shall have been submitted to and approved in writing by ACC.”
 6.05 (Page22) Landscaping. “No construction or alteration of any Structure shall take place without the prior written approval by the ACC of the plans for the landscaping.”
 6.06 (Page 23) Trees. “No tree…shall be removed from any lot unless such removal is in conformity with approved landscaping plans…submitted pursuant to the provisions of Section 6.05.”
 If you have questions, please call the management office at 770.413.1144 or send an email to the ACC Committee at acc@watersedgehoa.com. Thank you for your cooperation.

                                              
                                                                                                                                                                                                                                       A Message From Your Property Manager
A great number of complaints which come into the management office are calls which have to do with pets in some way or another.  They are not on a leash, roaming neighborhoods, noisy, dirty, messy; pet owners are not cleaning up dog feces or just have too many pets.  This has caused feuds and threats to break out among otherwise reasonable people.  It really points out that pets can be a real problem in creating and maintaining harmonious association living.
Most pet-related problems can be resolved by exercising a little common sense.
·         Keep your dog on a leash.
·         Keep your cat indoors.
·         Clean up after your pets.  Don’t allow your pets to defecate on your neighbors’ lawn.
·         Keep pets reasonably quiet so they don’t disturb your neighbors.
And IT’S THE LAW!
 It is the duty of every pet owner to ensure that their pets are kept under restraint.  Sec. 5-2 of Dekalb County Code states; “ It’s the owners responsibility to take all necessary steps and precautions to protect other people, property and other animals from injury or damage resulting from their animal behavior, including, but not limited to, chasing, biting, or otherwise jeopardizing the safety or welfare of the public.”  Additionally, Sec. 5- 5 of Dekalb County Code states; “   It shall be unlawful for the owner of an animal to allow it to run at large unattended… on or about the streets…”
If a resident is having problems with unwanted stray animals, call Dekalb County Animal Control at 404.294.2947.  It is the homeowner’s responsibility to report such incidents and the County’s responsibility to investigate complaints.
Water’s Edge Pet Policy, instituted in September 2003 indicates that the Board of Directors shall have the right to impose fines on a resident who has a pet considered to be a nuisance to any resident.  The first offense will be a warning to the pet owner and Dekalb County Animal Control will be contacted.  The second offense will be $25.00 and the third offense will be $50.00.  Additionally, substantial fines can be imposed by Dekalb County Courts ranging between $300.00 and $500.00.
The truth is that the world is divided into pet owners and everyone else.  Be respectful of each others’ choices.  If you have a dog, seek instructions and follow ACC guidelines for installation of a pet containment area in your backyard.
Most importantly and the easiest thing to do is to adhere to the Water’s Edge Pet Policy and DeKalb County Codes for Animals.  This will go a very long way in creating that harmonious community living environment that both pet owners and non-pet owners are entitled.

10 Reasons to move to Stone Mountain Georgia! Ultimate Guide!

The Ultimate Guide if you are thinking about moving to Stone Mountain


1. Down Town Stone Mountain
Downtown Stone Mountain offers many fun things to do, there are festivals, events, Art Gallery's, Art strolls, Restaurants, Plays and events during the holidays.

Image result for downtown stone mountain

2. Farmers Market
Stone Mountain Farmers Market has had a successful start. We have a delicious array of food and beautiful accessories. The Market is open from May 14, 2019 to August 27, 2019 on every Tuesday from 4:00 PM – 7:00 PM in the Municipal Parking Lot





3.  Stone Mountain Park!
Image result for stone mountain park golf course
 Stone Mountain Golf Club
Memorial Lawn
Is a Major Attraction for Stone Mountain. 
Lasershow History
The Lasershow Spectacular debuted in 1983 on the world’s largest screen, the 825-foot-tall granite outcropping.
In 2008, for the 25th anniversary, the sound system and pyrotechnics for the Lasershow were amped up. 
Innovative when the show launched, the lasers, over time, began to look elementary. In 2011, Mountainvision was launched employing state-of-the-art digital video projection to give the show 3-D-like effects without the need for 3-D glasses. Video opened up a dramatic difference and allowed for new options that the lasers weren’t capable of. Mountainvision can do things like, turn Stone Mountain into a Volcano spewing lava down its sides or the rock crumble right before your eyes. The projection is five times the size of an IMAX screen!
Rockin' Land & Lake Tour
NEW FOR 2019, The Rockin’ Land & Lake Tour is a guided, interactive journey through Stone Mountain Park. Each family-friendly trip is personalized with an expert tour captain for a one-of-a-kind experience every time you ride!
This high-energy, 40-minute journey begins with a tour around the park on Atlanta’s only open-top, double-decker bus. Guests will discover the Park’s iconic areas including the Historic Square, the museum at Memorial Hall, Summit Skyride, and so much more.
Following the scenic land tour, guests disembark the double-decker bus and take to the water for a sightseeing cruise around Stone Mountain Lake. Discover Goat Island, Canoe Island, Carillon and more while soaking up all the spectacular views on board a custom pontoon boat. Then complete your journey with a rockin’ ride back aboard the double-decker bus.
Summer At The Rock
From fun-filled attractions to special summer entertainment and the nightly Lasershow Spectacular in Mountainvision, it’s the perfect destination for you and your family to unplug and reconnect this summer.
Country Living Fair

4. Stone Mountain has so many Festivals and Fairs!  There are things to do almost every weekend and especially during the holidays!. 
Indian Festival and Pow-Wow

NATIVE AMERICAN FESTIVAL AND POW WOW

Bring your family to experience the energy and color of the largest Native American gathering in Georgia. The four-day Native American Festival and Pow-Wow was named a Top 20 Event by the Southeastern Tourism Society.
Quarry Exhibit
Quarry Exhibit
This outdoor display was developed to tell the story of an industry that played a significant part in the history of Stone Mountain. Throughout the years, 7,645,700 cubic feet of granite were removed from the mountain. This is equal to one-foot-long paving stones stretching from the North Pole to the South Pole (12,444 miles)!
Stone Mountain Park Hiking Trails
5. Hiking Trails, Picnic Areas
Stone Mountain Park features 15 miles of hiking and walking trails, including the 1 mile trail to the top of the mountain which starts at the Confederate Hall Historical & Environmental Education Center.
Walkers, joggers, and bicyclists can circle the mountain on Robert E. Lee Boulevard, a 5 mile loop. Motor vehicle traffic is one-way between Confederate Hall and the Grist Mill so you can enjoy wide dedicated lanes for jogging and biking
Stone Mountain Park Walk-Up Trail

WALK-UP TRAIL TO TOP OF STONE MOUNTAIN


While on top, 1,683 feet above sea level, enjoy amazing views of downtown Atlanta, the North Georgia mountains and the surrounding area. On a haze-free day, you can see 60 miles from the mountain
REI Stone Mountain Boat House
Get outside with REI in the East Lake area of Stone Mountain Park. Join REI Outdoor School instructors for classes, outings, and stand up paddleboard, canoe and kayak rentals.
Stone Mountain Park Fishing

6. Dining and Places to Eat!
Marketplace
Think fresh. Fresh outdoors. Fresh food. Fresh dining. Marketplace at Stone Mountain Park offers Great Food to Go, making it easy to enjoy your day and evening at the park. From mid-morning snacks to complete dinners, many healthy and satisfying choices are within quick reach in a friendly atmosphere. The open style market provides your family with lots of ready-to-go choices
Dining & Full Bar
965 Main Street

Stone Mountain, GA 30083

Delicious Pizza Place with a Full bar for fun casual dining in Down Town Stone Mountain.
Image result for downtown stone mountain
Image result for pizza cafe stone mountain
Pizza Cafe
5370 Stone Mountain Hwy #1030
Stone Mountain, GA 30087

T  /  770 - 413 - 6717
 

CalaBar & Grill
4144 Redan Rd
Stone Mountain, GA 30083
Photo of CalaBar & Grill - Stone Mountain, GA, United States. CalaBar & Grill front entrance/patio.
Photo of CalaBar & Grill - Stone Mountain, GA, United StatesPhoto of CalaBar & Grill - Stone Mountain, GA, United States

Original Pancake House
5099 Memorial Dr
Stone Mountain, GA 30083
Photo of The Original Pancake House - Stone Mountain, GA, United States. Mixed fruit crepes
Photo of The Original Pancake House - Stone Mountain, GA, United States. French toast

El Torero Mexican 

Restaurant

Photo of El Torero Mexican Restaurant - Stone Mountain, GA, United States. The two burrito platter is excellent. Get the white queso too.
Arden's Garden Juice
4895 Stone Mountain Highway Unit C 
Lilburn, GA 30047
7.  Shopping Centers
Stone Mountain Square
5370 US-78, Stone Mountain, GA 30087
Image result for marshalls stone mountain ga
7. Movie Theaters and Entertainment
Image result for ncg movies
NCG STONE MOUNTAIN
1825 Rockbridge Road Stone Mountain, GA 30087
Located in the Stone Mountain Festival Shopping Center
Showtimes: (678) 476-1020
get air
2075 W Park Pl. Blvd, Stone Mountain, GA 30087
Get Air has thousands of squar feet of wall to wall trampolines to jump bounce and flip for hours of fun. There is an open court of trampolines and plenty of games and a foam pit for fun and safety.
book party hero
Netherworld Haunted House
2076 West Park Place Blvd
Stone Mountain, GA 30087
Buy Tickets Now!


8. Golf Courses
Image result for stone mountain park golf course
Image result for stone mountain park golf course36 Holes of Championship Golf
Located in one of the most popular attractions in Georgia, Stone Mountain Park, just minutes from downtown Atlanta, Stone Mountain Golf Club features two championship golf courses and offers scenic views of historic Stonhe Mountain and Stone Mountain Lake.
What makes Stone Mountain Golf Club such a remarkable experience is the unique personalities of its two courses. The Stonemont Course is a classic challenge that places emphasis on accuracy and strategic course management. The Lakemont Course complements Stonemont with a less demanding, target-oriented layout and exquisite views of Stone Mountain and the surrounding lake.
Stonemont Course
Designed and built in 1969 by the renowned Robert Trent Jones Sr., this masterpiece has offered a pure test of golf from all tees since its inception. The Stonemont Course at Stone Mountain Golf Club has played host to numerous national, professional events as well as Georgia amateur championships.
The Stonemont Course is laid out over gently rolling and cantered fairways of premier Bermuda grass and greens of immaculate bent grass. The par 70 layout stretches 6,863 yards, and is challenging with its narrow fairways, strategically placed bunkers and numerous stands of Georgia pines.
Lakemont Course
Georgia native John LaFoy designed the Lakemont Course at Stone Mountain Golf Club. It features incredible views of Stone Mountain and the lake.
The front 9 holes of the Lakemont Course wind around Stone Mountain Lake, with six holes having water in play. The back 9 offers beautiful holes with rock outcroppings and four holes where water comes into play. LaFoy's penchant for mounding and dramatic bunkering is evident throughout the course. The dramatic elevation changes offer a unique ambience that appeals to every golfer.
Image result for stone mountain park golf coursestone-mountain-clubhouse.jpg

9. Assisted and Independent Senior Living
Home-MenuCottages-MenuVillas-menu
Active living, Assited Living and onsite healthcare!  Park Springs is an amazing community that services Seniors to facilitate active involved social and supportive lifestyles through all stages of retirement.
They have amenities, activities, rentals and homes to purchase.
Park Springs
500 Springhouse Circle
Stone Mountain, GA 30087
General Information
770-879-4330

10. Parks Recreation and Trails!  
Stone Mountain is located in both Dekalb and Gwinnett Counties so the park systems are the best of both Worlds!
Wade Walker YMCA is an awesome facility with camps, a water park and exercise facility for a low monthly membership!  Swim, Team Sports and outdoor recreation areas make for a great experience!
Trail Guide Yellow River Park 3232 Juhan Road, Stone Mountain 30058 General, Program and Rental Information: 678.277.0900
Image result for gwinnett county parks stone mountain ga
Deshong Park 
Image result for gwinnett county parks stone mountain gaImage result for gwinnett county parks stone mountain ga
Featuring a skateboard park, basketball courts, playground walking trails and picnic tables.. Deshong Park is a free fun adventure for hours of fun.

These are just a few things to do in Stone Mountain and great reasons to relocate to the area, and if you need a Realtor to find your dream home please do not hesitate to contact me!  770-231-2253 Thanks for Reading!

Wednesday, June 5, 2019

Have you ever heard of a CAIVRS - The “Secret” Database That Could Kill Your Mortgage Approval

CAIVRS - CREDIT ALERT VERIFICATION REPORTING SYSTEM
If you’re planning to buy a home or refinance an existing mortgage loan soon, you should take some important steps to prepare. Solid credit scores, clean credit reports and good job history all give you a better shot at a mortgage approval. But even if you can check all of these requirements off your list, you still may not automatically qualify for a new loan.
It is possible for negative credit incidents that don’t actually appear on your traditional credit reports to haunt you. You may ask, “How is that possible?” It’s a reasonable question because normally credit problems that do NOT show up on credit reports won’t impact your loan approval prospects. The answer is simple. The credit reports generated by Equifax, TransUnion and Experian are not the only type of reports your lender may review when you apply for a mortgage.
Find Your Home on www.myatlantaliving.com

CAIVRS: The "Secret" Database

The Credit Alert Verification Reporting System (CAIVRS) database was developed by the U.S. Department of Housing and Urban Development (HUD) in June 1987. Like the credit reports generated by the three major credit reporting agencies, lenders will sometimes rely upon CAIVRS reports to help them determine whether or not to approve your loan application.
Unlike the databases maintained by the credit reporting agencies (Equifax, TransUnion and Experian), CAIVRS is a database which strictly tracks delinquent and defaulted federal debts. If your name appears on CAIRVS, it is because you have defaulted or your payments are past due on a debt that is either owed to or backed by the federal government. This is sometimes referred to as a “negative only” database because the information contained is a record of delinquency or default rather than on-time payments.
Here are a few examples of some of the types of issues that could land you in the CAIVRS database:
  • Past due or defaulted federal student loans
  • Unpaid settlement to the Department of Justice
  • FHA/VA/USDA loans with delinquencies, defaults or a government-paid insurance claim within the past three years
  • Small Business Administration (SBA) loan delinquencies or defaults

Why Lenders Use CAIVRS

It is true that your CAIVRS report can help lenders to predict the risk of doing business with you, just like a traditional consumer credit report. But the primary reason lenders check your CAIVRS report is because they are generally required to do so for any applications that involve a federal loan (FHA, VA, USDA, SBA, etc.). Lenders are required to conduct a CAIVRS search because Title 31 of the United States Code (Section 3720B) bars "delinquent federal debtors from obtaining federal loans or loan insurance guarantees."

Is Your Name In the Database?

If your name appears in the CAIVRS database, you probably will not be eligible to receive a new federally backed loan (unless you qualify for an exemption) until the issue in question has been resolved. The bad news is that unlike credit reports that you can view on your own, the CAIVRS database can only be accessed by a lender. If you are worried that your name may appear in CAIVRS, it’s probably best to tell your lender right away so that you will have time to try to fix any potential issues early in the application process.
CAIVRS was developed by the Department of Housing and Urban Development in June 1987 as a shared database of defaulted Federal debtors, and enables processors of applications for Federal credit benefit to identify individuals who are in default or have had claims paid on direct or guaranteed Federal loans, or are delinquent or other debts owed to Federal agencies.
In 1989, the Office of Management and Budget set as a performance goal that certain program agencies and their authorized financial institutions should use CAIVRS to conduct prescreening to determine a loan applicant's credit status with the Federal Government. The purpose of this methodology would enable the program agencies to prescreen their borrowers and to broaden the Federal Government's base in determining an applicant's creditworthiness. Some non-tangible factors are:
  • Verifying that loan applicants are not in default or delinquent on direct or guaranteed loans of participating Federal programs as required by
    OMB Circular A -129.
  • Providing authorized users with a means to prescreen applicants for Federal credit benefit, to avoid extending benefits to individuals who are
    credit risks.
  • Demonstrating to the public the Federal Government's commitment to collecting delinquent debt and the importance of meeting Federal
    obligations.

Rental Assistance in COVID -19 Resources for Renters and Homeowners!

  There is still help for homeowners and renters!   Please see the resources below that may assist you and your family in this difficult tim...