Testimonials
Testimonials from Past Clients
Wayne and Donna,
Wow - I own my 1st home! Thank you so much for your care, attention, grace and tremendous patience. I own this home due to you. Your negotiations on my behalf made this possible. Thanks a great deal - your not just my Realtors - your my friends and Always welcome at my home.
Thanks and may God continue to richly bless you, your family and staff. The Talbots
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Wayne,
I wanted to thank you and Donna for all of your help with the purchase of my first home! You made it so easy and seamless and with all of the horror stories that I have heard, I know that I was working with the best realtors in the market. I really appreciate your patience in explaining the entire process and knowing that you were looking out for my best interest at all times.
Again I really appreciate all that you have done for me and I loved the house warming gift, it is perfect for summer! I look forward to working with you again in the future, you guys are the best!!
Thanks!!
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Samantha Roberson
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" Thank you so much for showing our home in Ranch Forest to your clients...and for guiding them through the process of becoming the new owners.
I'm thankful to you and I enjoyed meeting you. You are a most gracious lady and saleswoman. "
Nancy Stacey
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"I wanted to write you a quick note to express my family's gratitude
for your help in the purchase of our first home. We love it! If it were not for your help we would have been lost. You were there every step of the way. You made sure my Wife and I had no unanswered questions. In fact, you went above and beyond what was necessary. I know that you had many other listings yet you were always around when we needed you. We never once felt that you were too busy to answer even the smallest of questions. I have talked to other home buyers and it seems as if you must be one of the best agents in the market. The horror stories that I
have heard from some people make me appreciate your dedication and timeliness much more. You were there from the moment we started and long after we had finished. You are truly the type of agent people here
in Columbus need. Anyone I know that decides to buy or sell a house will be pointed your direction with the utmost praises. Thank you again for
the house warming gift. It matches perfectly with the new paint in the living room. When the time comes for this home to be sold you will be the only person that we turn to. I look forward to the next time we work together. We wish you and your family the best!" - The Johnson Family
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"Our home is wonderful!! Thank you for all that you've done to help us out, our house-warming gift, and your great southern hospitality! We greatly appreciate it...." - LeeAnn and Ryan
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"Hope you know how much it was appreciated! Thanks for hanging in there! Meg
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Wayne and Donna Long were very thorough about all the things I needed to know in buying a house. This is the first time I have bought a house and if I ever decide to buy another house or if I have friends or relatives who are interested in buying a house Mr and Mrs Long will be the only agents I would go to and strongly recommend. They are a very sweet and fun couple to work with. Melissa M.
To find other info about Fort Benning Real Estate please us the following resources. For Mortgages including VA loans including Pre-Qualifying for a Loan use these pages. We also have info on the different types of Mortgages. If you are First time home buyer - want to search for homes or would like to check out our Fort Benning Home Listings please use these resources. Maybe you just want to know more about the Fort Benning area. If so go to our page titled Fort Benning Growth or Infantry Museum or Fort Benning Schools. To help you get around better while in our area. Use our map of or Fort Benning or the page with a map of Columbus GA. To learn more about Donna and Wayne Long visit our profile page or check out our testimonials. Greatest Real Estate Agent in the World. To keep up with current events on base - please keep and eye on our Fort Benning blog.
Fort Benning - BAH
Fort Benning 2008 BAH Information
Fort Benning 2008
Enlisted w/o dependents
E-1 E-2 E-3 E-4 E-5 E-6 E-7 E-8 E-9
829 829 829 829 914 965 1034 1116 1137
Enlisted w/Dependents
E-1 E-2 E-3 E-4 E-5 E-6 E-7 E-8 E-9
1029 1029 1029 1029 1102 1171 1222 1275
Warrant Officers w/o dependents
W-1 W-2 W-3 W-4 W-5
1001 1115 1139 1177 1201
Warrant Officers w/Dependents
W-1 W-2 W-3 W-4 W-5
1171 1206 1239 1317 1407
Officers w/o Dependents
O-1E O-2E O-3E O-1 O-2 O-3 O-4 O-5 O-6 O-7
1102 1132 1175 955 1077 1146 1198 1214 1239 1264
Officers with Dependents
O-1E O-2E O-3E O-1 O-2 O-3 O-4 O-5 O-6 O-7
1201 1234 1301 1110 1169 1238 1445 1591 1604 1623
Fort Benning Real Estate and Homes
Greatest Real Estate Agent in the World Contest
VA Loan FAQ
VA Home Loan FAQ
1)What is a VA loan?? Franklin Roosevelt signed the GI Bill into law in 1944 and that is how the VA loan began. VA guarantees a portion of the loan to participating lending institutions which allows them to give Military and Veterans a 100% mortgage loan at a good rate of interest. The VA does not make the loan they just guarantee the loan so you can still use a traditional mortgage bank or broker. The loan must simply conform to the VA guidelines and the lender must use a VA approved appraiser.
2) VA loan is simple to use! The mortgage process is not much different than any other loan. Other than the Certificate of eligibility and the fact that the appraisal is assigned to a VA appraiser - the loan proceeds much like any other loan and many times will get you !00% financing with a low interest rate.
3)What is the maximum VA loan? The VA will guarantee loans up to $417,000.
4) What if both husband and wife are eligible for the VA loan?Only one of the certificates of eligibility would need to be used which leaves the other one free to purchase another property.
5) What if I am divorced and my spouse has the home. How can I get my eligibility back? Only if the mortgage is paid off thru sale or refinance will the certificate be released.
6) Is a VA loan automatic? No. The VA only guarantees the loan so you do have to meet minimum qualifications but many times the qualifications are less than for a conventional loan.
7) Are Adjustable rate mortgages approved for VA loans? Yes. Let a professional lender walk you through determining what is best for you.
8)Should I get pre-appproved? Yes. It gives you the security of knowing what your price range is and it shows property sellers that you are a serious buyer!
9) How do I get proof of my eligibility for a VA loan?
There is an online program or Automated Certificate of Eligibility that a VA approved lender will usually be able to retrieve for you. You can also stop by on post and get your certificate.
10) Can I use my VA eligibility more than once? Yes, but you can only have one VA loan at the time. To become eligible again you must pay off your previous VA loan.
11) What if I do not use all the eligibility - can I use the other portion for another property? Many times you can. Check with the lender.
12) Is it OK to use my VA loan to buy a rental property?
No. You will have to certify that you are going to live in the property.
13) Does Bankruptcy cause me to lose my VA eligibility. No, but you will not be eligible until two years after the discharge of the bankruptcy. Veterans who file for bankruptcy are still allowed to use a VA home loan if they are eligible.
14)What are the debt to income ratios for VA loans? Presently they are 41% but this is just one factor in the loan approval process.
15) Can I use the VA loan for refinance? Yes!
16) Does the VA charge a fee for using the VA loan program? Yes. It is a little over 2% the first time you use it and over 3% the second time but this amount can be wrapped into the loan so that you will still be able to buy the home with no money down! Disabled Veterans are exempt form this fee!
17)What happens if my mortgage is sold to another mortgage company? This is common in the mortgage industry. All it means to you is that you send your mortgage payment to a different place. It does not affect your loan!
Fort Benning Real Estate and Homes
To find other info about Fort Benning Real Estate please us the following resources. For Mortgages including VA loans including Pre-Qualifying for a Loan use these pages. We also have info on the different types of Mortgages. If you are First time home buyer - want to search for homes or would like to check out our Fort Benning Home Listings please use these resources. Maybe you just want to know more about the Fort Benning area. If so go to our page titled Fort Benning Growth or Infantry Museum or Fort Benning Schools. To help you get around better while in our area. Use our map of or Fort Benning or the page with a map of Columbus GA. To learn more about Donna and Wayne Long visit our profile page or check out our testimonials. To keep up with current events on base - please keep and eye on our Fort Benning blog.
Home Buyers
Buying a home near Fort Benning
Choosing the right home is an important decision for an individual or family! It effects your quality of life and financial investment as well. There are many complicated decisions involved in choosing your new home. To protect your interests and assure that you make the best possible decisions, it's important that you have an agent on your side who is an expert in the Fort Benning real estate market. It typically costs you nothing to have a Real Estate Professional work for you because the commission is usually paid by the seller and is already built into the listing price. We handle a lot of purchases each year and will be able to walk you through the mine field of purchasing a home with confidence.
You can Search all the home listed in the Columbus GA MLS or Phenix City AL MLS with a click of the mouse. Just put in the criteria for the home you are interested in. If you choose to you can have the system email you listings that meet your criteria as they come on the market. This will give you the jump on others who may be looking for similar properties.
Contact us and we will be glad to search for you and advise you on the different areas and point you in the right direction to check out schools and other important criteria to help you make a good decision!
Fort Benning Real Estate and Homes
To find other info about Fort Benning Real Estate please us the following resources. For Mortgages including VA loans including Pre-Qualifying for a Loan use these pages. We also have info on the different types of Mortgages. If you are First time home buyer - want to search for homes or would like to check out our Fort Benning Home Listings please use these resources. Maybe you just want to know more about the Fort Benning area. If so go to our page titled Fort Benning Growth or Infantry Museum or Fort Benning Schools. To help you get around better while in our area. Use our map of or Fort Benning or the page with a map of Columbus GA. To learn more about Donna and Wayne Long visit our profile page or check out our testimonials. Greatest Real Estate Agent in the World. To keep up with current events on base - please keep and eye on our Fort Benning blog.
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