About Windsor Realty:

Led by Ginny Nevins since 2005 Windsor Realty lives up to its tag line:  selling “Cottages to Castles and Everything in Between.” A highly trained and experienced broker/owner Ginny and the company she leads, Windsor Realty, provides high touch service and unmatched devotion to their clients. More than 80% of Windsor’s clients are personal referrals from satisfied buyers and sellers whose loyalty are a testament to a successful track record.  Windsor will use marketing, technology, communication and negotiation skills to find the perfect home to fit every client’s needs. The goal is to make sure a wide audience is reached and each home is sold quickly & for the best price possible.  With over 35 years experience the Windsor team has acquired a network of professionals making the sales process seamless. Experts in mortgage lending, staging, renovation contractors, inspectors and appraisers are standing by to assist.  Under Ginny’s leadership Windsor has been a  consistent winner of many industry awards including the consumer rated “ Five Star Professional Award” and Namar Million Dollar Club for many years.

Windsor operates in Georgia, Alabama, Tennessee and is thrilled to expand to Oklahoma! It is an honor to have Chris, Susie and Tanner McColl join the family business, their drive, leadership and passion guarantee success!

Windsor Realty Expertise: 

Broker, Buyer’s Agent, Seller’s Agent, Relocation, Staging, Property Management, New Home Construction

Proud Member of: North Atlanta Metro Association of Realtors *Georgia Association of Realtors *National Association of Realtors * Tuscaloosa Association of Realtors *Greater Chattanooga Association of Realtors and the Oklahoma City Metropolitan Association of Realtors

Ginny Nevins Wins Best Of Gwinnett!

Check Out Page 195!

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The Best of Gwinnett is Here! Take a Look!

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Welcome The Windsor Oklahoma Family

Realtor , Windsor Realty
After living in different parts of the country throughout my childhood, I have been...
Realtor , Windsor Realty
Living in Oklahoma City and the surrounding suburbs my entire life, I have a...
Realtor , Windsor Realty
I’m Oklahoma born and bread and truly would not want to call any other...

Our Windsor Atlanta Agents

Learn about our team and how we can help you.

Broker/Owner , Windsor Realty
Ginny’s job is her passion! A highly trained and experienced broker/owner Ginny and the...
Associate Broker , Windsor Realty
I have been an Atlanta resident for over 30 years which allows me a...
Office Admin/Realtor , Windsor Realty
Realtor , Windsor Realty
Linda Langley believes that buying and selling property is a very personal experience and...

Questions About Buying and Selling A Home

Select one of the frequently asked questions below to learn more about buying, selling, and renting real estate. Also, begin to think about important things to consider when diving into your real estate search.

Question about selling

What is a broker?

An agent who is authorized to open and run his/her own agency. All real estate offices have one principal broker.

What is the difference between being prequalified and preapproved for a loan?

If you’re prequalified it means that you POTENTIALLY could get a loan for the amount stated to you, assuming that all of the information you provide to the bank is accurate and true. This is not as strong as a preapproval.

If you’re preapproved, it means that you have undergone the extensive financial background check, which includes looking at your credit history, previous tax returns and verifying your employment – and the lender is willing to give you a loan, basically meaning you’re approved!

You will usually be provided an accurate figure which shows the maximum amount that you are approved for.  Most sellers prefer buyers that have been preapproved because they know that there will not be any problems with the purchase of their home.

What is title insurance?

Title insurance is insurance that protects the lender and buyer against any losses incurred from disputes over the title of a property.

Can I pay my own taxes and insurance?

If your taxes are paid through an escrow account set up when you purchased your home, the taxes and most likely the insurance will be paid by the mortgage holder. Tax authorities may mail an informational copy of the real estate tax statement to the homeowner in addition to the mortgage holder.  However, in some cases,  there are statements tax authorities do not forward to the mortgage holder. This can happen if your closing happens close to tax time.  If you receive a statement for any of the following, please forward it to your mortgage holder.

  • delinquent real estate taxes
  • supplemental or additional real estate taxes
  • special assessments
  • if the tax authority will not honor a bill request from another party.

How can I avoid private mortgage insurance?

The easiest way to avoid PMI is by putting 20% down payment; however, PMI can also be avoided if you only have 5% or 10% for the down payment. The way to accomplish this is via a first and second mortgage combination commonly referred to as 80/10/10^s or 80/15/5^s.

These two methods combine a first mortgage lien for 80% of the home price with a second mortgage lien for either 10% or 15% of the home price leaving the remaining 5% or 10% as the down payment. Because the first lien is at the magical 80% loan=to-value, there is no PMI required, even though a second mortgage is being |piggybacked| onto the financing thus allowing for the lessor down payment.

While the second lien terms are not as attractive as first lien rates, the second mortgage is still home mortgage interest and thus deductible as such on your federal tax return where PMI is insurance and offers no deduction.

How is interest calculated on a mortgage loan?

Most mortgages originated today calculate interest in arrears, unlike consumer loans which calculate interest to the date of payment receipt. As an example, when borrowers pay their February mortgage payments, they are paying the January interest. This method of calculating interest is based on a 360 day year in which each month has 30 days.

Is there a minimum credit score?

Title insurance is insurance that protects the lender and buyer against any losses incurred from disputes over the title of a property.

What benefits do I receive from private mortgage insurance?

Title insurance is insurance that protects the lender and buyer against any losses incurred from disputes over the title of a property.

What do I do if I receive a tax statement?

Many tax authorities will mail an informational copy of the real estate tax statement to the homeowner in addition to the mortgage holder.  However, there are some statements tax authorities do not forward to the mortgage holder, and in special cases the mortgage holder will need your assistance.  If you receive a statement for any of the following please forward to your mortgage holder:

  • delinquent real estate taxes
  • supplemental or additional real estate taxes
  • special assessments
  • if the tax authority will not honor a bill request from another party.

How long does the loan process take?

Most mortgages originated today calculate interest in arrears, unlike consumer loans which calculate interest to the date of payment receipt. As an example, when borrowers pay their February mortgage payments, they are paying the January interest. This method of calculating interest is based on a 360 day year in which each month has 30 days.

Awards & Recognition

Five Star Professional Award- 2022

Million_Dollar_Club-2

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