Special Home Buying Opportunity Financing that could save eligible buyers thousands of dollars a year. Specific Metro Atlanta homes qualify for a special home-buying program — a below-market fixed rate, no mortgage insurance, and up to 100% financing for eligible buyers. That can mean a lower monthly payment, and more home for the same budget. First-time & repeat buyersNo income limitsPrimary residencesSelect eligible areas650 credit scoreOnly $500 of your own funds Get the List of Homes That Qualify See How the Savings Work Prefer to talk now? Call John directly at (404) 915-2589 Not every property qualifies. Financing is subject to lender approval and program guidelines. Wicker Realty Specialists is a real estate brokerage, not a mortgage lender. Why buyers are paying attention Six things that remove the most common barriers between buyers and the right home. Up to 100% Financing Eligible buyers may finance up to 100% on qualifying loan amounts up to $500,000. Up to 90% Financing On higher-priced homes, eligible buyers may finance up to 90% on loan amounts up to $832,750. Below-Market Fixed Rate A fixed-rate structure may be priced below prevailing market rates, subject to current program terms. No Income Limit Works for both first-time and repeat buyers, with no maximum household-income limit. 9% Seller Contribution Sellers may contribute up to 9% toward your prepaid items, closing costs, or an interest-rate buy-down. Close With as Little as $500 Some eligible buyers can get to closing with as little as $500 of their own funds. See what better financing could change. The difference is not just the down payment. A lower fixed rate with no mortgage insurance can meaningfully lower your monthly payment — so the same budget can reach more home. Case Study Example $500,000 home • 100% financed Traditional loan Special Program Interest rate 7.00% 6.00% Monthly principal & interest $3,327 $2,998 Monthly mortgage insurance $208 $0 Total monthly payment $3,535 $2,998 You save $537 a month — about $6,444 every year that stays in your pocket, or buys you more home. Illustrative example only — not a rate quote or a commitment to lend. Your actual rate, payment, and savings will vary with loan amount, credit, taxes, insurance, and program eligibility. Eligible areas are tied to the home’s location. The program is available for homes in specific eligible areas across Metro Atlanta, based on the 2026 FFIEC county maps. On each map, eligible areas are shaded in purple. Forsyth County Fulton County DeKalb County Gwinnett County Request a detailed list of qualifying homes → Important: A city or ZIP code may contain both qualifying and non-qualifying homes. Program eligibility must be verified by exact address. This program is offered as a special-purpose credit program and is available only for homes in eligible census tracts within select counties — including Fulton, Carroll, Clayton, Coweta, DeKalb, Fayette, Forsyth, Gwinnett, Henry, Newton, Pickens, Rockdale, and Walton. County availability and eligible census tracts are set by the lender and subject to change; confirm current eligibility by exact address. Here’s how we make it easy. You don’t need to become an expert on tract maps or financing rules. That’s the point of working with us. 1 Tell us your target area Share the cities, neighborhoods, price range and home features you want. 2 We identify potential matches We cross-check homes against the program’s eligible areas so you only see homes that may qualify. 3 We connect the financing If a home appears eligible, we connect you with the lending team to confirm program qualification and numbers. 4 We tour the right homes with you Instead of searching blindly, we focus your time on homes that fit both your lifestyle and your financing. See how much more home you can buy with better financing. A lower monthly payment can mean more home for the same budget — sometimes even an extra bedroom. Get a curated list of homes that may qualify, or browse everything on the market now. Get the Qualifying Home List Search Available Homes Or call John directly: (404) 915-2589 *Important financing disclosure: Savings examples are illustrative only and will vary based on purchase price, loan amount, interest rate, credit profile, taxes, insurance, and program eligibility. Not all buyers or homes will qualify. Program availability, rates, terms, loan limits, financing percentages, seller contributions, and other requirements are subject to change without notice. Wicker Realty Specialists, LLC (Georgia firm license H-66913) is a licensed real estate brokerage and is not a mortgage lender, does not make credit decisions, and does not set loan terms. Financing is provided by an independent lending partner and is subject to lender underwriting and approval. Equal Housing Opportunity.

Special 100% Financing Program for Metro Atlanta Homes Buy more home for the same monthly payment. Financing could save eligible buyers up to $10,000 per year — with a below-market fixed rate, no mortgage insurance, and financing options that may include up to 100% financing. Call John: (404) 915-2589 No forms. No sign-ups. Just call and we’ll show you the homes that qualify. Why this beats a normal mortgage Six real advantages that put a better home in reach. Up to 100% financing — put nothing down on loans up to $500,000 No mortgage insurance — that alone saves hundreds a month A fixed rate below what most buyers are quoted today No income cap — first-time or repeat, you can qualify Sellers can put up to 9% toward your closing costs or rate buy-down Get to closing with as little as $500 of your own money 100% Financing Case Study Same $500,000 home. About $3,500/month vs. $2,988/month. This example shows what the monthly payment could look like on a $500,000 home using 100% financing. It compares a normal loan at 7.00% with mortgage insurance against this special financing program at 6.00% with no mortgage insurance. A normal loan $3,525/mo 7.00% rate + mortgage insurance This program $2,988/mo 6.00% rate, no mortgage insurance You keep approximately $537 every month — approximately $6,000+ per year in this 100% financing example. $537 estimated monthly savings in this example* $0 mortgage insurance in this example 100% financing used in this case study $500 possible borrower funds to close Illustrative example only — not a rate quote or a commitment to lend. Actual rate, payment and savings vary with loan amount, credit, taxes, insurance and eligibility. Where the program works Eligible areas across Metro Atlanta — shaded in purple on each county map. Call and we’ll tell you if a home qualifies by its exact address. Forsyth County Fulton County DeKalb County Gwinnett County Ready to see what you qualify for? Skip the forms. One quick call and John will pull the homes that fit the program. Call John: (404) 915-2589 Prefer to browse first? See homes for sale → *Important financing disclosure: Savings examples are illustrative only and will vary based on purchase price, loan amount, interest rate, credit profile, taxes, insurance, and program eligibility. Not all buyers or homes will qualify. This program is offered as a special-purpose credit program and is available only for homes in eligible census tracts within select Metro Atlanta counties; eligibility must be verified by exact address and is set by the lender, subject to change. Program terms, rates and requirements are subject to change without notice. Wicker Realty Specialists, LLC (Georgia firm license H-66913) is a licensed real estate brokerage and is not a mortgage lender, does not make credit decisions, and does not set loan terms. Financing is provided by an independent lending partner and is subject to lender underwriting and approval. Equal Housing Opportunity.

Free Homeowner Resource Free Georgia Property Filing Alerts Learn about Georgia's free FANS service, which can notify homeowners when certain property-related documents matching their criteria are filed. Free voluntary service Electronic filing notifications Greater awareness of property records Learn About Free Property Alerts Georgia Homeowner Resource Protect Your Home by Staying Informed, for Free Georgia homeowners can use the free Filing Activity Notification System (FANS) to receive alerts about certain recorded documents, including qualifying deed, lien, and other filing activity. Set Up Free Filing Alerts on the Official Georgia Site Read Our Full Guide FANS is operated by the Georgia Superior Court Clerks' Cooperative Authority. You register directly on the state website. There is nothing to buy and no form to fill out here. The Basics What Is the Georgia FANS Program? The Filing Activity Notification System (FANS) is a free, voluntary electronic notification service provided through the Georgia Superior Court Clerks' Cooperative Authority (GSCCCA). It lets individuals request a notification when certain real estate and personal property records are filed, indexed, and transmitted by Georgia Clerks of Superior Court and match the criteria the user sets. In plain terms: you tell the state what to watch for, and when a qualifying filing comes through that matches what you entered, the system emails or texts you. It is a way to become aware of certain filing activity sooner than you otherwise might. What it is not: FANS does not lock your title, freeze your deed, or stop a fraudulent document from being recorded. It is a notification service only, a set of eyes on the record, not a gate in front of it. Why It Matters Four Reasons Georgia Homeowners Sign Up Property record notifications in Georgia are simple to set up and cost nothing. Here is what they actually do for you.   Stay Informed Learn when certain qualifying records match the notification criteria you create, delivered by email or text message.   Monitor Property-Related Activity Establish the name-, address-, or document-based alerts that are available to you, each with its own requirements.   Investigate Unexpected Filings An unexpected notification is an opportunity to review the official records and contact the appropriate professionals promptly.   Free to Use The official FANS service has no registration fee and no subscription fee. Standard message and data rates may apply for text alerts. Plain English What Is a Property Lien? A lien is a legal claim against property that may arise from certain financial obligations or legal circumstances. Common examples include a mortgage, unpaid property taxes, a contractor's claim for work performed, or a judgment from a court case. Most liens are ordinary and expected. Depending on the type and the circumstances, however, an outstanding lien can complicate selling or refinancing a property, because it generally needs to be addressed before clear title can transfer. Knowing about a filing early simply gives you more time and more options. Keep this in perspective: a lien is not evidence of fraud, and no notification service can guarantee that every lien affecting your property will be discovered. If a filing surprises you, the right next step is to review the official record and speak with a real estate attorney or title professional. Getting Started How to Set Up Your Free Property Record Notifications The whole process happens on the state's website and usually takes just a few minutes. 1 Go to the official site Visit fans.gsccca.org and choose Login or Register. 2 Verify your contact method Enter an email address or a text-capable mobile number and confirm it using the one-time verification code the system sends you. 3 Set your notification criteria Choose the available name-, address-, or document-based criteria you want the system to watch for. 4 Confirm your requests Review and submit each notification request. Registering an account alone does not generate alerts. You must create at least one request. 5 Watch for notifications Review any future notifications you receive and investigate records you do not recognize. Two details worth knowing before you start. Each notification type carries its own requirements and limitations. Document-based requests, for example, generally depend on a book and page reference being indexed by the Clerk of Superior Court, and address-based requests depend on data from filings where a Transfer Tax (PT-61) declaration or a UCC record applies. Separately, notification requests expire after one year, so log in periodically to renew the ones you want to keep active. Register on the Official Georgia FANS Website Questions Georgia FANS: Frequently Asked Questions Is Georgia FANS free? Yes. FANS is a free, voluntary, opt-in service offered through the Georgia Superior Court Clerks' Cooperative Authority. There is no registration fee and no subscription fee. If you choose text message alerts, your carrier's standard message and data rates may apply. Does FANS lock or freeze my property title? No. FANS sends notifications about qualifying filing activity. It does not lock title, freeze a deed, or block a document from being recorded. Think of it as an alert, not a barrier. Can it notify me about lien filings? It can notify you about qualifying lien filings that match the criteria you set, based on index data that the Clerk of Superior Court enters and transmits to the GSCCCA. It is not a guarantee that every lien affecting your property will generate a notification. Some references in filed documents are not indexed, and no notification is generated in those cases. Does it replace title insurance? No. FANS is an informational notification service. It is not insurance, it provides no financial protection, and it is not a substitute for an owner's title insurance policy or for advice from a licensed attorney. Can I use it for rental or investment property I own? The service is intended for requests related to property you own, or requests made on behalf of someone who has authorized you. The terms of use prohibit using it for research, commercial purposes, harassment, or stalking. Notification types also carry their own conditions. Name-based notifications, for instance, are generated only for human names as indexed. What should I do if I receive an unexpected notification? Start by reviewing the official record in the county where the document was filed, so you know exactly what was recorded. Many filings turn out to be routine. If something still looks wrong, contact a Georgia real estate attorney or a title professional promptly. You are also welcome to reach out to our office and we will help you figure out who to call. Is Wicker Realty Specialists the operator of this service? No. FANS is administered by the Georgia Superior Court Clerks' Cooperative Authority. Wicker Realty Specialists, LLC is not affiliated with, endorsed by, or compensated by the GSCCCA. We share this resource because we think Georgia homeowners should know it exists, and you register directly on the state's website. Your Home. Your Priority. Stay Informed. At Wicker Realty Specialists, we believe homeowners deserve access to useful information and resources. We are sharing this free Georgia program as part of our commitment to helping clients navigate homeownership with confidence. Visit Official Georgia FANS Call Wicker Realty Specialists John Wicker Broker/Owner, Wicker Realty Specialists, LLC Phone: (404) 915-2589Email: wickerrealty@gmail.com Making Real Estate Feel Easy. Educational Disclaimer This page is provided for general educational purposes only and does not constitute legal, financial, or title advice. The Filing Activity Notification System (FANS) is administered by the Georgia Superior Court Clerks' Cooperative Authority (GSCCCA). Wicker Realty Specialists, LLC is not affiliated with, endorsed by, or sponsored by the GSCCCA. FANS provides electronic notifications. It is not a title lock and does not freeze, restrict, or protect title to any property. FANS does not prevent fraudulent or inaccurate documents from being filed or recorded. Notifications depend entirely on index data entered and transmitted by the Clerk of Superior Court in the county of filing, and by certain declarants and filers. Notifications are not guaranteed by the GSCCCA to be comprehensive, accurate, complete, or current. Notifications are forward-looking only. They apply to qualifying documents filed after the date a user creates a notification request, and each notification type carries its own conditions and limitations. FANS is not a substitute for title insurance, a title search, or advice from a licensed Georgia attorney or title professional. Program features, availability, and terms are set by the GSCCCA and may change without notice. Always refer to fans.gsccca.org for current official information. Wicker Realty Specialists, LLC is a licensed Georgia real estate brokerage. Equal Housing Opportunity.