Journal
Field notes from
two coasts.
Blue Ridge market reads, seller guidance, and North Georgia field notes. Written in plain English.
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Second Home Tax Benefits: What You Can and Can’t Deduct
A second home lets you deduct mortgage interest on up to $750,000 of combined debt and property taxes within the new $40,000 SALT cap. Here’s what qualifies.
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Second Home Mortgage Rates, PMI & Down Payments: What to Expect
A second home mortgage adds a Fannie Mae surcharge of 1.125% to 4.125% by down payment, plus PMI under 20% down, worked on a Blue Ridge cabin.
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How to Buy a Second Home: A Step-by-Step Guide
How to buy a second home in the North Georgia mountains, step by step: set your budget, get pre-approved, pick your market, tour, and close in 30 to 45 days.
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Affordable Mountain Homes: What Cheap Buys, State by State
What do affordable mountain homes buy, state by state? As of 2026, from $182,704 in West Virginia to $510,778 in a Colorado town, North Georgia in the middle.
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The 30th Annual Kiwanis Rodeo Returns to Blue Ridge This August
Blue Ridge, Georgia | August 21–22, 2026 There are some traditions in the North Georgia mountains that simply feel like summer—and the annual Blue Ridge Kiwanis Rodeo is one of…
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Is North Georgia Affordable? Where I’d Look — and Why
Is North Georgia affordable in 2026? Home values from $359K in Blairsville to $490K in Blue Ridge, the 4.99% flat tax, and where I’d actually look.
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Qualifying for a Second Home: DTI, Down Payments & Income
What it takes to qualify for a second home mortgage in Blue Ridge, GA: the 50% DTI ceiling, the 10% down floor, and why rental income won’t help.
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FHA, VA, Jumbo, or Conventional: Loans for a Second Home
Which second home loan programs work for a Blue Ridge cabin: FHA and VA are off the table, and here is where conventional ends and jumbo begins.
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Second-Home Mortgages: How Financing a Cabin Really Works
What a second home mortgage really costs in Blue Ridge, GA: the Fannie Mae occupancy adjustment, the 10% down floor, and the $832,750 jumbo line.
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August in Blue Ridge, GA: Mountain Adventures, Local Events & Why It’s One of the Best Times to Visit
As summer begins to wind down, August brings one of the most enjoyable seasons to experience Blue Ridge, Georgia. Comfortable mountain temperatures, lush landscapes, outdoor recreation, and community events make…
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Cabin Mortgage Math: Calculators, Prepayment, and Paying Off Your Loan Faster
What a cabin mortgage calculator leaves out in Blue Ridge, GA: the real $4,273 monthly payment, what prepaying saves, and why recasting costs more.
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How People Actually Afford a Vacation Home in the Mountains (Second Mortgages, Equity, and Trade-Offs)
Most Blue Ridge second-home buyers stack cash, borrowed equity, and a mortgage to reach the median ask. What each source costs, and the tax trap inside it.
The Echea Letter
Monthly. One letter. No noise.
One letter a month. My read on what’s moving in Blue Ridge and Fort Lauderdale — what sold, what sat, what I’d tell a friend who asked. No sequences. No resends. If you ever want off the list, one click.
Reading isn’t the same as asking.
If one of these raised a question for you, write me. I answer myself.