owner financed homes no credit check in georgia

Are you sure you want to rest your choices? 9.607 Acres for Sale in Buchanan County, Virginia. Monthly payments include taxes and insurance on the home. 15,000. Great For First Time Home Buyers. We'd love to hear from you, please enter your comments. For more nearby real estate, explore land for sale in Florida. $ 0% down 500 is a non refundable transaction fee and the remaining $500 would be applied to the purchase price at time of closing. High School: Fossil Ridge, "Homes by Ashley was the best experience we have ever had in purchasing our new home." Access to Property (Dirt or Paved): Paved Financials. We buy a home of choice and owner finance it to you. Login. Location: 161 THRASHER RD, PLAINS, GA, 31780 Feel free to. Inquire with us for alternate financing options 2. All information 200. The buyer and seller agree to the terms of a promissory note that details terms like the loan amount, interest rate and amortization schedule. Owner Financing Available Similar properties just dont compare to the value of this vacant land! Cash Price: $23,900 Say, for example, a homebuyer wants to purchase a historic home that doesnt qualify for a conventional mortgage due to its age and condition. Parcel # and Size: Down Payment: $9,800 (INCLUDES ALL CLOSING COSTS) Thank you for your interest in our properties, We have several properties for sale around Georgia, visit our "Directions" link at the top of the page for a list of land for sale, Home | Land Pricing | Owner Financing | View Land Plat | Properties For Sale | Photos | Directions | Buy Online | Pay Online | About Us | Contact Us | Terms and Conditions | Privacy Statement | 5Land Links. With no expensive HOA fees, you have the freedom to create your own oasis on this private parcel. County: Bibb, GA Past performance is not indicative of future results. +-396 Acres in Harris County GA, Mulberry Ossahatchie Tract 1.26 ACRE HIGH AND DRY VACANT. No Credit Check No Prepayment Penalty No Closing Costs 10% Down Payment 9% APR | 10 Year Term Something went wrong. Owner Financed Price: $81,125 Contact us Today. Whenever you want to see it again, you can find it in the menu, Owner financing 0 down payment: 132 results, handicap accessible house in grand rapids. Intermediate School: Parkwood Hill $0 down options! Blue Ridge GA Cabin. Lot 5: 9.17 Acres $71, 150. Owner Financing. For those looking for a Premium Residential Vacant Lot inside an elevated, Upscaled Neighborhood filled with lovely families and a safe, loving atmosphere: This is the Perfect Opportunity for you to get your Dream Home started! Fixed Interest Rate: 6.95% Located in the Piedmont region of Northern Georgia, this property is just to the west of the Tugaloo River and the Tugaloo State Park. Join the many others that have decided to invest in having a self sufficient life style. Located very close to U.S. HWY 27 making shopping in Luthersville and Greenville very convenient. Property Management. Lyons offers some of the best experiences for anyone to enjoy! We might have the right lot here for you. Owner Financing: - $1500 down (plus the $500 doc fee) - $1500 down $450/Mo for 76 months (plus prorated taxes and $10/Mo note maintenance fee) This gem of a property is perfect for those that want to leave the hustle and bustle behind and truly live off the land in the rural American west. 2. The acreage of these farms range from 1 acre and up to 5 acres. To sell a house via . Come check out this beautiful 1.21 acre partially J. Scott Properties - The Lanier floor plan with full front porch elevation. 20 acres in North Hall County just 3 miles north of Gainesville GA. FSBO. Zoning: LR, Lakeside Residential Distr. Title to this Property is clear and ready for transfer. After your Purchase and Sale Agreement, Down Payment and Processing Fee has been received by us, we'll send you the loan documents to be signed. Show previous landlords reference 4.5 5. If you find yourself in need of the amenities that can only be found in the city, Greenville is about 30 minutes to the north. Owner financing is when the owner of the house sells it to the buyer and finances the purchase for the buyer as a bank. If the terms are not listed, contact us, and we may still be able to negotiate terms with you. 32.1996, -84.1542 LoopNet.com operates the most heavily trafficked online listing service for Georgia Owner Financed Property commercial real estate and other U.S. and Canadian markets with over $425 billion of commercial real estate for sale and 5.1 billion of commercial real estate space for lease. Owner financing with small down payment. Elementary School:Bluebonnet Land/Home in Troup Co for Sale Owner Financed! The highlighted white color would represent one acre of land. Beautiful 1700 sq. This is for all Mountain, Waterfront and Oceanfront properties. Then, the seller agrees to carry back a mortgage on the home and essentially becomes like a bank to the buyer. 10K Down, $30K Equity. Wisconsin (30) Wyoming (1) Browse Owner Finance No Credit Check RVs. Any Type of Credit is OK. 32.75209454402684, -83.76574100135588 Terrain: Level 33.047285234795496, -85.16326478182467 Georgia Land For Sale; Hawaii Land For Sale; Illinois Land For Sale . . 1/2 Of Southeast St #1/4, Lake Wales, FL 33898 is a 0 bath Lot/Land listed for $12,900. OWNER MUST SELL! 1. The home features many updates including a new hot water heater, a new electric box and a new washer/dryer combo. Simple select the RV type you'd like to browse, and enjoy sorting through our vast collection. 452. If you long to get off the office treadmill and onto your own land, then you have come to the right place. Camp, RV or 5th wheels allowed on all properties when you go under co, Land Liquidation Sale All Lots will be Sold - Rare Blue Ridge/Smokey Mountain Property Bedrooms: 3 No Credit Check or Credit Requirements No closing costs No realtor fees This is a mortgage loan, not a lease purchase or rental You get an actual deed to the property Refinance at any time with no prepayment penalties Competitive fixed interest rates 100% Approval Down payments are 3-5%, depending on the price of the home Drive (FW) - SOLD!! Instead, the homeowner (seller) finances the purchase, often at an . 33.04741771026831, -85.16372341865134 Owner financingalso known as seller financinglets buyers pay for a new home without relying on a traditional mortgage. We use cookies to personalize your experience. No prepayment penalty. This would be approximately 5 acres of land. The buyer gives the seller a promissory note agreeing to these terms. Once you make your selection and apply for a loan, we'll set you up with the right vendor who can offer you guaranteed bad credit loans & financing for the RV or camper of your choice. Cfm?item_id=609354&AP=0&AB=0. Lyons offers some of the best experiences for anyone to enjoy! Updated kitchens and bathrooms. We have the ability to lend to buyers who may have trouble getting a typical loan, usually due to being self employed or having past credit issues. 1. Pay higher security deposit upfront 4.3 3. Restaurant and Food Service Retail/Wholesale Sales Transportation and Warehousing Veterinary Services Work at Home and Business Opp Exact location 5 miles 10 miles 25 miles 50 miles 100 miles 500 miles Rent to own. OWNER MUST SELL! Owner Financing is available for this home. Pay Off Your Balance at any time, No Early Payoff Fees! Click the "No credit needed" payment option once in your shopping cart or call our air conditioning and heating agents if you need assistance. Inquire with us for alternate financing options The seller agrees to finance the remaining $55,000 at an interest rate of 7% for a five-year term and amortized over 20 yearsresulting in a balloon payment of about $47,000 due at the end of five years. How To Find The Cheapest Travel Insurance, Guide To Down Payment Assistance Programs, Can provide access to financing that a borrower may not otherwise have qualified for, Enables buyers to finance homes that dont qualify for conventional financing, Lets buyers and sellers shorten the due diligence period for quicker closing, Eliminates down payment minimums imposed for government-backed mortgages, Allows owners to sell their property as-is, without having to meet a lenders appraisal requirements, Presents an investment opportunity with better returns than most traditional investments, Shortens the selling process by reducing due diligence requirements and eliminating the lending process, Still offers the ability to sell the promissory note to an investor for an up-front payment, Lets sellers retain title to their homeas well as money paid toward the mortgageif the buyer defaults, Often involves higher interest rates than a traditional mortgage, May require borrowers to make a balloon payment at the end of the loan term, Depending on the borrowers creditworthiness, the seller may not be willing to provide owner financing, Sellers mortgage may include a due-on-sale clause that requires them to pay off the mortgage upon selling the house, thus precluding them from offering owner financing, Exposes sellers to the risk of non-payment, subsequent default andin some casesa need to initiate the, Puts seller on the hook for repairs and other consequences of deferred maintenance if the borrower defaults, Federal law may preclude sellers from offering owner financing, limit balloon payments and require the parties to involve a mortgage loan originator. Not Part of an HOA! Compare: BUY This Today For $6,000/ Acre, DISCOUNTED CASH PRICE $89,900 - Will also finance with $50,000 down flexible terms tailored to fit your needs. The show airs on FM 95.5 on Saturday mornings. Gates at Limestone Creek is an upscale Come check out this spacious remodeled home. Access to Property (Dirt or Paved): Paved Rd. Owner Financing Homes In Ga Homes for Sale, Do Not Sell or Share My Personal Information, 442-H New York Standard Operating Procedures. Across the street is a lovely man made pond and gorgeous country trees all around give a calm and peaceful living experience. Water: No, w. 33.399099318006726, -82.00070052997229 Address: On the corner of Esse Blvd and Forest Blvd, Edwards, CA 93523 Taxes: only $173.95 per year Terrain: Flat and cleared Road access: Yes Permitted Uses: Residential [] $45000. Depending on how the owner financing was originally structured, the buyer will get title to the property for the first time or the seller will execute a Satisfaction of Mortgage indicating the mortgage has been paid in full and releasing the lien on the property. This home features 4 bedroom, 3 12 bath, large fenced backyard, corner lot, close to the Tift Regional. Since produce has become increasingly expensive in our grocery stores, we are seeing that more people are turning to self gardening their own land. Built In 1995, This Fabulous Two-Story Home Has Been Completely Updated!!! 32.1997, -84.1555 Here's what To do Next: 1. Property information is. Nestled in the heart of Gilmer County, Georgia near Talking Rock, this 2.6-acre piece of land offers a tranquil retreat away from the hustle and bustle of the city. no credit checks or banks required. County: Richmond County, GA Matre Forestry Consulting, Inc. Owner financingalso known as seller financinglets buyers pay for a new home without relying on a traditional mortgage. Atlanta. This is not a lease to purchase!!!! amandabrockrealtor@windstream.net. Please visit www .Real Deal Lots. $175,000 - $90,000 = $85,000. Owner financing is available. Responds in about 1 day. Welcome! We will owner finance this home with $10,000 down. Memphis owner financing . The majority of our properties can be purchased with no credit check and a low down paymentof either $495 or $950. Home boasts Gorgeous New Construction Underway! LW Land has created new programs that create tremendous deals and benefits for customers, investors, and people who are looking to get out of the city today. Owner Financing on Homes and Lots. 15K Down, 1,300 a Month. 32.20024, -84.15520 . ft. home for sale by owner in Sequior Subdivision off Chestatee Road in Gainesville. We have recently added land for sale in Greene County, Georgia. Use it as your weekend getaway or build your forever home. $4,930 Down & $464/Month No credit. Information is deemed reliable but not guaranteed. Its a good model, but this option is very limited, because there are only few houses with owner financing out there and most of the time these houses are overpriced and in bad condition. By creating this email alert, you agree to our Legal Notice and our Privacy Policy. More people are turning to homesteading, depending upon themselves for their food and making a living off their land. 87 Properties in Georgia from $12,500. County: Troup, GA And Family-Friendly Neighborhoods In Georgia: Perfect For Family Homes And Vacation Spots, FOR ONLY $32,885. This one checks all the boxes and more! Total: $6,300 or $3,150 Cash. Receive a 10% discount on the remaining balance if paid early. Likewise, sellers dont have to run a credit check on a buyer before agreeing to finance the sale. Love the life on the water? Flocked by conveniences, scrumptious eats, and hidden gems, this property fits that bill! To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Owner Financing Houses for Rent Houses for Sale RentUntilYouOwn.com is the #1 provider of Douglasville, Georgia owner financing homes listings. 32.1996, -84.1535 $325,000 5 bds 3 ba 2,753 sqft However, there are a few different ways to accomplish this, and the best option will depend on your specific needs and circumstances. Property Dimensions: 432.47 ft x 97.17 ft x 342.53 ft x 118.52 ft x 51.75 ft x 276.78 ft x 412.72 ft. Location: Jenny Lynn Lane, Fort Gaines, GA 39851 Owner Financed Price: $94,875 LOCATION! Location: 604 ROBERT E LEE ST, ANDERSONVILLE, GA, 31711 As our specialists about more details anytime to see if this program is the right fit for you. Though not all sellers will be willingor ableto provide direct financing to the buyer, it can be an excellent way to buy a property while also simplifying the closing process. OWNER MUST SELL! Deposit. all atlanta. Deposit. Owner/ Broker Call Eva Luna 575 494 with Option to Purchase 3BR/1BA Single Family House offered at $92,500 Year Built Unspe Sstexasproperties Twitter: SSTXPROPERTIES Brandon Smith | S&S Texas Properties | (281) payment. In this scenario, that's a $34,000 difference. 33.40030034155872, -82.0007998190933 We need. Property Information 0.37 Acres in St. Clair County, Missouri Legal Description: Lot 36, Blk 9, Plat 3, TOH Parcel Number: 07-9.-30-001-003-036.00 Own for $175 Down, $175 Per Month for 36 Months. Zillow Group is committed to ensuring digital accessibility for individuals with disabilities. 49,000 fully financed Text joey anytime at CL. We also offer Owner Financing on all farms on our website. After five years of on-time monthly payments, the buyer makes the final balloon payment and the mortgage lien is released. We understand that finding genuine owner financing homes in Douglasville can be very difficult. If youre in the market for a new home but are having trouble winning loan preapproval, owner financing is an alternative that can keep your dream of homeownership within reach. Maybe a Corvette, Muscle Car, Harley Bagger, or Motorhome, or Pontoon boat. For sale! We are continuously working to improve the accessibility of our web experience for everyone, and we welcome feedback and accommodation requests. Expect to put 5 - 10% down depending on your credit rating. 1,292 Sq. All rights reserved. Prewired For Cable And/Or Satellite. Road access and utilities nearby and near Luthersville city limits. City Water and Sewer available with application process online. Sellers might opt for owner financing to expedite the closing process and collect interest rather than taking a lump sum payment. Homes for Sale in Atlanta, GA SWE Homes gives you the opportunity to fulfill your dreams of home ownership regardless of your credit history. This house would be ideal for a handy man that could preform his own labor or knew someone who would. 400 W Carroll St - Owner Financed Property. 15 Mostly Wooded Acres in Macon GA - $6,000/ac Discounted . 2 bedroom - 4 bedroom homes. Her focus is on demystifying debt to help individuals and business owners take control of their finances. Payments include interest. Owner Will FinanceNo Bank Qualifying! Owner Financing With 20%-25% Down Payment. Like-New Custom Estate Home. Owner Financing - Georgia Real Estate 322 Agent listings 53 Other listings Sort: Homes for You 3826 Meeting St, Duluth, GA 30096 MLS ID #7178805, ATLANTA COMMUNITIES $359,900 3 bds 4 ba 2,412 sqft - Townhouse for sale 2 days on Zillow 5293 Sandy Shoals Ln, Stone Mountain, GA 30087 MLS ID #7178027, EXP REALTY, LLC. 1,300.00 Rent. OWNER MUST SELL! Become a Homeowner Today! Com to See ALL our Current Offerings. 15K Down, 1,300 a Month. Here are three main ways to structure a seller-financed deal: If youre familiar with traditional mortgages, this model will sound familiar. Property Value Find state of ga properties for sale at the best price. For as low as $6,000 (cash), this is simply the best property out in the market. Location: 3316 LIMBER TWIG LN # A, AUGUSTA, GA, 30906 Click here to pay the closing costs! 1707 110 5: TR#:1 18.00 AC CL 196 TRACT 1 Owner will subordinate as Second Trust to construction &/or permanent financing. Brokerage. $600 per month on the balance of $59,000. No Qualifying means we dont ask for any credit history, applications, w-2s, verification of employment, etc. The listing brokers offer of compensation is made only to participants of the MLS where the listing is filed. That said, owner-financed homes can be complex and necessitate a written agreementso its important to understand the process before signing on the dotted line. For example, if the deal was structured as a lease option, the seller must initiate eviction proceedings to remove the non-paying buyer. Located In The Park Glenn Addition In The City Of Fort Worth, Keller ISD. Since most of our acreage for sale is located in a country setting outside of major cities like Atlanta and Augusta, you will be able to enjoy your property for a number of uses such as, (visit a link below). This 3 bedroom 2 bath home ix located at 1591 W. Ravine Ln. UGA has several extension offices located across the state that you can contact for assistance or call 1-800-ASKUGA-1. Your chance is here!! Big Incentives and discounts for CASH buyers. Atlanta, GA . . Owner Financing Available! Financials. Get a Co-signer 4.2 2. 13.8 % Cap Rate. This lot offers a golden opportunity perfect for kayaking, hiking and camping. Completely renovated, 3 story Triplex brimming with contemporary charm, tech-forward amenities and location efficiency. It's a good model, but this option is very limited, because there are only few houses with owner financing out there and most of the time these . Our land sizes start at 1 acre, 3 acres, then to 5 acres, 8 acres and 10 acres all the way up to 40+ acres. From diverse polychromatic painted scenery and fathomless aqua clouds that stretch above mountain ranges is where you can own and build your dream home in this stunningly serene 9.51-acre land nestled in the picturesque Fannin County, GA- where paradise and natures masterpieces meet in one place. Level Acres, Laundry, Fireplace, Deck! Commissions do not affect our editors' opinions or evaluations. While the shape configurations of land are limitless, we strive to divide our farms in such a way that allows maximum usage of the property. Cheaper than bank financing. Parcel Size: 1 acre then on a 20 year loan term at 9% For this reason, sellers should use the financing agreement to protect themselves from unknowns and set clear expectations for the buyer. Elevation: 455.2 feet Information is deemed reliable but not guaranteed. 2010 Ridgeview Dr,Thomson, GA, 30824, McDuffie County, 0 Landress Rd,Cataula, GA, 31804, Harris County, S Lanier St,Lyons, GA, 30436, Toombs County, Old Jesup Rd,Brunswick, GA, 31525, Glynn County, Jenny Lynn Lane,Fort Gaines, GA, 39851, Clay County, Cherokee Dr,Jackson, GA, 30233, Butts County, Old Bucktown Rd,Ellijay, GA, 30536, Gilmer County, Limber Twig Lane,Augusta, GA, 30906, Richmond County, 604 Robert E Lee St,Andersonville, GA, 31711, Sumter County, 6310 Michael Dr,Lizella, GA, 31052, Bibb County, 83 Hunters Dr,Brunswick, GA, 31525, Glynn County, Blue Ridge Dr,Blue Ridge, GA, 30513, Fannin County, Coleman Creek Circle,Luthersville, GA, 30251, Meriwether County, Riverview Dr,Lagrange, GA, 30240, Troup County, Murphy Hwy,Mineral Bluff, GA, 30559, Fannin County, Lake Ct,Ellerslie, GA, 31807, Harris County, Scotts Glenn,Mineral Bluff, GA, 30559, Fannin County, 4239 Tucker Valley Rd,Macon, GA, 31210, Bibb County, E Charlton St,Quitman, GA, 31643, Brooks County, Magnolia St,Lyons, GA, 30436, Toombs County, 161 Thrasher Rd,Plains, GA, 31780, Sumter County, Land Liquidation Sale - One of the nicest lots just became available - Rare Lake Chatuge/Smokey Mountain Property The seller agrees to finance the remaining balance of $180,000 at 5 percent interest rate fixed over 30 years amortized . else on the market like it. Check with the applicable school district prior to making a decision based on these boundaries. At RentUntilYouOwn.Com we have developed a community with owner financing buyers in mind. Camping, RVs and Mobile Homes are Allowed! Contact - Chris Folgman 404-354-5872 | Email - manager@5land.com. Legal Description: RIVERVIEW DR/ LOT-10 RIVERVIEW S/D No qualifying!! Whether you are an investor looking to expand their portfolio or wanting to have a little more elbow room without giving up handling common utilities, this property is the Perfect Possibility! The surrounding farmland and streams give this quiet town something special to see during spring time! Rent to own. Gates at Limestone Creek is an upscale gated community located very J. Scott Properties - The Kandon floor plan with full daylight basement. Thanks & Welcome to the Forbes Advisor Community! This is an illustration of a football field demonstrating just how big 1 acre of land is. Owner/ Broker Call Eva Luna 575 494-0--- Click here to learn more about this listing. Land for Sale with Guaranteed Financing. More pics available. GPS Center Coordinates: 32.01489882817664, -84.383184152386 No Qualifying No Credit Check Loans with no bank fees for buyers. Not Part of HOA! About the ratings: GreatSchools ratings are based on a comparison of test results for all schools in the state. - For sale by owner Price cut: $10,000 (Feb 17) 4815 White Lake Dr NW, Acworth, GA 30101 $399,900 3 bds 2 ba 2,380 sqft - For sale by owner Price cut: $10,000 (Feb 27) 150 Main St N, Jeffersonville, GA 31044 $49,500 3 bds 2 ba 1,152 sqft Paved road on East and West side of the property. $15,000 2 days ago AmericanListed.com Report View property Georgia has its very own gardening FM radio show that is dedicated to to discussing gardening of all types, its locally known as the Walter Reeves show. 33.04679948969028, -85.16410303359237 Thank you. Legal Description: LANDLOT:6 MIKE PADGETT HWY MAP REF:MAP 123 This is an amazing opportunity to invest your money and it returns you back easily since this property is located in Come check out this beautiful home in the heart of Gainesville. Another great thing about this offer is, the price is just BELOW MARKET VALUE! Check your rates today with Better Mortgage. Camping, RVs, and Mobile Homes Allowed! For sale owner financing 2 bed 1 bath home Needs updates and minor work No credit checks!!!!! Owner Financing With 20%-25% Down Payment. Be sure to include these common terms in your owner financing agreement: An owner financing agreement between buyer and seller should always be memorialized in a written document that includes the specifics of the deal. GPS Center Coordinates: 33.04703716744281, -85.16369242967657 Laurens, SC Carriage Farms is located on the north tip of Laurens County, SC, only a few minutes south of Interstate 385. FOR SALES INFORMATION OR QUESTIONS, CONTACT THE OWNER,ASHLEYHINE AT MOBILE (817) 929-0203. Use tab to navigate through the menu items. Newly remodeled basement Charming 3 Bed / 1.5 Bath Ranch in Oakland Heights! Once your down payment is made, the home is available for immediate move-in. County: Clay, Georgia Choose Your Heating and Cooling Equipment. Real Estate Services. It gets better since we are also open for Owner Fina, Pricing Details: We offer owner financing on almost all of our properties. St, Located on the outskirts of Brunswick is this wonderful piece of land. LOCATION!!! Find owner financed land for sale in Florida including homes and land with owner financing, rent to own properties, and land for sale by owner land contract. 32.1997, -84.1549 You can unsubscribe at any time. 15,000. And highly desirable neighborho Used under license. Georgia. Will pay for renovations! With your new propertys paved road frontage, Dollar General is just 6 minutes away from the property and CITGO is a 2-minute drive, thus, restocking your basic daily essentials can be a piece of cake! Home features 3 bed 2 bath on the upper level. They are: We have land for sale in North Georgia, Central Georgia and Eastern Georgia. Email Address Term (In Years): 30 Close To Schools, Parks And Shopping District. This listing has been saved to your favorites! New listings added daily, fast and easy to purchase, exclusive owner finance contracts. If you have 20% down, we believe you deserve your home of choice no matter what your credit score is! 2023 Forbes Media LLC. Our online payment method features a Secure Socket Layer, which is an industry leading standard for safely making payments online. 32.2004, -84.1567 $25,250 For Sale by Owner Memphis, TN . One acre of land is 43,560 square feet or 1/640 of a square mile. Over the years we have developed the simplest and easiest Owner Financing program that can be found anywhere. Your financial situation is unique and the products and services we review may not be right for your circumstances. Once you review the documents, you will sign them, and return them to us. Use or build on the land while making payments. OWNER WILL FINANCE NO CREDIT CHECK NO CREDIT NEEDED. Fast closing: With URB Chicago you don't need to wait for bank loan officers, underwriters, inspections, and legal processes to approve your mortgage. Fix and flip or fix and lease Sale price $149, 950.00 Down payment roughly $23, 992.00 Monthly payments approximately $1185.00 payoff in 12/2025 of approximately $132, 000+-. 3. Property Details: And, while seller financing eliminates the need for a lender-mandated appraisal and inspection, buyers should consider taking steps to ensure the purchase price isnt too high. E-mail inquiries or call or. 4 BA. Parcel Size: 3.95 acres Recreational opportunities in the area include fishing, hiking, and camping. (5) 002B 081-D - LL 384 LD 7 13.83 AC Less then an hour from Atlanta.
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