Cumming Homes with Bookcases Interior Features

Cumming Homes with Bookcases Interior Features

Welcome to Cumming, Georgia—a charming city nestled in the heart of Forsyth County, just a stone's throw away from the stunning shores of Lake Lanier. With its picturesque landscapes, vibrant community, and rich history, Cumming offers a perfect blend of suburban tranquility and modern conveniences. Known for its friendly atmosphere, excellent schools, and abundant recreational opportunities, this city is an ideal place for families, young professionals, and retirees alike.

One of the standout features of homes in Cumming is their exquisite interior design, particularly the inclusion of bookcases. Imagine stepping into a cozy living room adorned with elegant built-in bookcases, showcasing your favorite novels, cherished mementos, and family photographs. These thoughtfully designed spaces not only add character to your home but also provide a functional area for organization and display. Whether you’re an avid reader or simply love to curate a collection of art and memories, a home with bookcases offers the perfect backdrop for your lifestyle.

Cumming's real estate market boasts a variety of properties, from charming single-family homes to luxurious estates, many of which feature stunning interiors with custom-built bookcases. These homes invite you to settle in, relax, and enjoy your surroundings, making them a perfect sanctuary for both quiet evenings and lively gatherings with friends and family.

When you choose to call Cumming home, you’re not just investing in a property; you’re embracing a lifestyle rich with culture, community, and the comfort of a well-designed living space. Discover your dream home in Cumming today!

Newest Cumming Homes with Bookcases Interior Features

$635,000
4 Beds 4 Baths 10832754 MLS
LAKE LANIER LIVING IN BREEZE BAY COLONY! Located on the south end of Lake Lanier, this charming home offers an incredible location directly across from 4 Mile Island, just 5 minutes to Young Deer Park and 10 minutes to Charleston Park Boat Ramp. With multiple outdoor living spaces, a renovated primary bath, and a finished lower level with a media room, bar area, with plenty of flex rooms and full bath, this home is ready for your next lake adventure. Welcome to Breeze Bay Colony, a desirable Lake Lanier community where lake days and outdoor living are just minutes away. The home welcomes you with a two-tier front deck, creating multiple spaces to relax and enjoy the surrounding setting. Inside, the main level offers a comfortable and inviting layout. The dining room is located just off the foyer to the left and features a beautiful bay window that fills the space with natural light. Across the way, the living room offers a cozy fireplace flanked by built-in bookshelves, creating the perfect spot for relaxing, reading, or displaying your favorite pieces. At the back of the home, the kitchen opens to a breakfast area, making everyday meals easy and convenient. Step outside onto the back deck overlooking the backyard, offering another great space for morning coffee, grilling, or entertaining. Upstairs, you'll find the bedrooms, including the spacious primary suite with direct access to the upper deck. The renovated primary bathroom features a relaxing soaking tub, perfect for unwinding after a day spent on the lake. The finished lower level adds even more versatility to this home. A spacious media room with a bar area and sink provides an excellent space for entertaining, movie nights, or watching the big game. You'll also find a flex room ideal for an office or storage, along with an additional room that can be used as a fourth bedroom with a closet built out. A full bathroom completes the lower level and provides added convenience for guests. Whether you're looking for a full-time residence, weekend lake retreat, or a home where you can enjoy the best of North Georgia outdoor living, this property offers the space, flexibility, and location to make it happen. With Lake Lanier just minutes away, you'll be perfectly positioned to enjoy boating, fishing, parks, and everything this beautiful area has to offer. Easy access to Hwy 400 in 15 minutes and 20 minutes to Cumming City Center.

7410 Colony Court, Cumming

$750,000
7 Beds 4 Baths 10832636 MLS
Welcome to one of the most desirable floor plans in the beautiful Caney Creek community, located in the highly sought-after Lambert High School district! This exceptional home offers an abundance of space, thoughtful updates, and versatile living areas designed to accommodate today's lifestyle. Upon entering, you'll be welcomed by a bright, expansive living area featuring fresh paint and recently updated LVP flooring. The open-concept layout flows seamlessly into the dining room and beautifully updated eat-in kitchen, complete with a custom island, white cabinetry, updated backsplash, and quartz countertops. The kitchen is equipped with a Samsung range and powerful exterior-venting hood, along with a refrigerator, all updated in 2021. The inviting family room features custom built-ins, a gas-log fireplace, and a mounted flat-screen TV, creating a warm and comfortable gathering space. The main level also includes a guest bedroom, updated full bathroom, and convenient laundry room with included LG washer and dryer. Upstairs, beautiful wood flooring and built-in shelving add warmth and character throughout. A recently updated Navien tankless water heater, installed on 12/2025, provides energy-efficient, on-demand hot water. The expansive owner's suite features a tray ceiling, spacious walk-in closets, and a luxurious, spa-inspired bathroom with a separate shower, soaking tub, and oversized double vanity with abundant countertop space. Three of the home's bathrooms are also equipped with bidet toilets for added comfort and convenience. Three generously sized secondary bedrooms provide plenty of space for family and guests, while the large secondary bathroom offers a separate tub and shower area for added privacy, plus an oversized vanity with ample countertop space. The walk-up third floor adds even more flexibility, featuring a spacious bonus/media room plus two additional rooms that can easily serve as bedrooms, home offices, a gym, playroom, or whatever best suits your needs. This truly versatile floor plan offers room to grow and adapt. Step outside to the private, level backyard and enjoy a large covered patio complete with a ceiling fan and grill-perfect for relaxing or entertaining. The backyard also features raised garden boxes, a storage shed, and an impressive selection of fruit-bearing plants, including apple, peach, and banana trees, plus a raspberry bush. Additional highlights include Ecobee thermostats, ethernet wiring, updated lighting, newly replaced garage door springs and bearings, and a roof replaced in 2021. Residents of Caney Creek enjoy access to a lovely community pool and playground, plus the exceptional convenience of being within easy walking distance of Brookwood Elementary. You'll also appreciate Forsyth County taxes and a central location between Alpharetta, Johns Creek, and Cumming. With easy access to GA 400, Halcyon, Avalon, the Forsyth County Greenway, parks, hospitals, restaurants, shopping, and some of Georgia's finest schools, this location truly has it all. Come experience the space, updates, versatility, and lifestyle this exceptional Caney Creek home has to offer-you'll be glad you did!

3455 E Gate Drive, Cumming

$779,000
5 Beds 4 Baths 10832512 MLS
The Hickory Manor plan built by Peachtree Residential. Quick Move-In! Stunning New Construction Home in Sought-After Hillshire located in North Forsyth. Featuring exceptional craftsmanship, stylish finishes, and an open-concept layout, this newly built residence perfectly balances comfort and elegance. Step into a spacious two-story foyer that opens into a formal dining room, ideal for entertaining. The heart of the home is the chef-inspired kitchen, complete with a large island, walk-in pantry, oven and microwave, and stainless steel appliances-all overlooking the cozy breakfast area and the expansive family room with built-in shelving. A private guest suite on the main level offers flexibility for visitors, a home office, or multigenerational living, paired with a conveniently located full bathroom. Upstairs, retreat to the luxurious Primary Suite featuring a spacious layout, an oversized walk-in closet, and a spa-like bath with double vanities, soaking tub, and separate shower. Three additional generously sized bedrooms each include walk-in closets and share access to two full bathrooms. A central laundry room adds to the convenience. Additional highlights include designer exterior with charming dormers and board-and-batten details, ample storage throughout, and the unfinished basement offers incredible potential for customization. Located near shopping, dining, parks, and GA400, this home offers the perfect blend of convenience and luxury. Don't miss your chance to own this elegant and functional home in one of the area's most sought-after neighborhoods. Schedule your tour today and fall in love with everything this home has to offer!

3350 Hillshire Drive, Cumming

$1,568,500
5 Beds 6 Baths 10832518 MLS
QUICK MOVE IN COMING SOON! Discover the Payton Farmhouse by Toll Brothers - a stunning, thoughtfully designed home that blends elegance with an open-concept layout and ABUNDANT NATURAL LIGHT, with soaring two-story great room. The beautifully crafted exterior showcases full front porch with wood columns and three-sides brick on a private homesite with picturesque views. Inside, the GOURMET KITCHEN is a dream for entertainers and cooking enthusiasts alike, featuring an expansive island, plentiful cabinetry, and striking Silestone quartz countertops. The Payton floor plan offers EXCEPTIONAL flow, highlighted by hardwood floors on the main level with a multi-stacked western sliding door that opens to a covered outdoor living deck off the great room - perfect for seamless indoor-outdoor living. Our sought after mult-gen suite on the main offers privacy and versatility for differing stages of life. As a guest suite or in-law suite, this features a bedroom, separate living room, and walk in shower with seat. Upstairs, the primary suite features a LUXURIOUS bath, with separate vanities, an exceptional shower with seat, and an incredible primary closet including private access to the laundry room. Two secondary bedrooms includes a walk-in shower. Additional highlights include a three-car garage (two side-entry and one carriage), 4-zone irrigation system, and access to fantastic community amenities - pool, playground, fire pit, and outdoor recreation areas just steps away. Ideally located near GA 400 (Exit 12), you're just minutes from top dining, shopping, and entertainment at Vickery Village, Halcyon, Avalon, The Collection, and Fowler Park. Experience luxury living at its finest with Toll Brothers at Northfield Trail! Special incentive offers!

5185 Travers Lane, Cumming

$1,542,000
5 Beds 6 Baths 10832526 MLS
QUICK MOVE IN COMING SOON! Discover the Payton Transitional by Toll Brothers - a stunning, thoughtfully designed home that blends elegance with an open-concept layout and ABUNDANT NATURAL LIGHT, with soaring two-story great room. The beautifully crafted exterior showcases full front porch with wood columns and three-sides brick on a private homesite with picturesque views. Inside, the GOURMET KITCHEN is a dream for entertainers and cooking enthusiasts alike, featuring an expansive island, plentiful cabinetry, and striking Silestone quartz countertops. The Payton floor plan offers EXCEPTIONAL flow, highlighted by hardwood floors on the main level with a multi-stacked western sliding door that opens to a covered outdoor living deck off the great room - perfect for seamless indoor-outdoor living. Our sought after mult-gen suite on the main offers privacy and versatility for differing stages of life. As a guest suite or in-law suite, this features a bedroom, separate living room, and walk in shower with seat. Upstairs, the primary suite features a LUXURIOUS bath, with separate vanities, an exceptional shower with seat, and an incredible primary closet including private access to the laundry room. Two secondary bedrooms includes a walk-in shower. Additional highlights include a three-car garage (two side-entry and one carriage), 4-zone irrigation system, and access to fantastic community amenities - pool, playground, fire pit, and outdoor recreation areas just steps away. Ideally located near GA 400 (Exit 12), you're just minutes from top dining, shopping, and entertainment at Vickery Village, Halcyon, Avalon, The Collection, and Fowler Park. Experience luxury living at its finest with Toll Brothers at Northfield Trail! Special incentive offers!

5195 Travers Lane, Cumming

$735,000
4 Beds 3 Baths 10832508 MLS
The Harvard Plan built by Peachtree Residential! Quick Move-In Available! Blending exceptional craftsmanship with modern design, this home offers timeless curb appeal and a layout that's both functional and luxurious. Enjoy a beautiful sun rise from East facing Front Door. Step into a welcoming foyer that flows effortlessly into a formal dining room-perfect for hosting gatherings or cozy family dinners. The open-concept main level showcases a designer kitchen outfitted with a large center island, walk-in pantry, stainless steel appliances, built-in microwave and oven, and views into the sunny breakfast area and spacious family room with built-in bookcases. On the main floor, you'll also find a private guest suite with full bath, ideal for overnight guests, a home office, or multi-generational living. Upstairs, unwind in the stunning Primary Suite featuring a massive walk-in closet and a spa-style bath with double vanities, a soaking tub, and separate shower. Two secondary bedrooms all offer walk-in closets and access to a full bath. A spacious loft area provides flexible space for a media room, playroom, or home office, and the convenient upstairs laundry room keeps things efficient. Additional standout features include a 3-car garage for added storage and convenience, designer exterior with board-and-batten details, charming dormers, and modern farmhouse accents. Convenient access to GA400, shopping, dining, and parks. Don't miss your opportunity to own this beautifully crafted home in one of North Forsyth's most desirable communities. Schedule your private showing today-this one checks all the boxes!

3375 Hillshire Drive, Cumming

$949,000
5 Beds 6 Baths 10831978 MLS
Introducing the Hedgewood 3-Car Modern Farmhouse, a stunning Northeast-facing new home from Toll Brothers, ready for immediate move-in. Set within Westover, a private wooded enclave designed for quiet living, this home greets you with a striking all-brick front, covered entry porch, and brick water table wrapping the sides and rear - the kind of solid, timeless exterior that never goes out of style. Step inside to a soaring two-story foyer that opens into an equally impressive two-story great room, awash in natural light. The kitchen is built for both everyday living and serious entertaining, with a large center island, a butler's pantry, and a separate walk-in pantry, all flowing seamlessly into the casual dining area and great room. Multi-slide stacked doors blur the line between indoors and out, opening onto a covered patio made for gathering. Near the foyer, a flexible bonus room adapts to however you live - formal dining, home office, or playroom. A main-level guest bedroom with full bath, plus a powder room, rounds out the first floor. Upstairs, the primary suite delivers a true retreat with a generous walk-in closet and convenient direct access to the laundry room. Three additional bedrooms - each with its own private bath and walk-in closet - give family and guests comfortable, private space to call their own. This sale price reflects all current incentives, so don't wait - pricing like this can change at any time. Backing this home is Toll Brothers' nearly six-decade reputation for luxury construction, including a 10-year run as FORTUNE Magazine's #1 Builder Worldwide on its "World's Most Admired Companies" list. The seller will also contribute up to $10,000 toward closing costs when financing through Toll Brothers Mortgage. Come experience what luxury and convenience look like together at Westover.

4835 Gadwall Way, Cumming

$775,000
6 Beds 5 Baths 10831830 MLS
Great opportunity in the highly desirable Creekside subdivision & sought-after Forsyth County School District! Inviting Front Porch welcomes you into a two-story Foyer with spacious Dining & Living Room combo. Freshly Updated Kitchen offers plenty of Cabinet & Counter space, gas cooktop and opens to a bright & spacious Family Room featuring a beautiful Stone Gas Fireplace. Main Level Bedroom, currently used as an Office, offers flexible space for guests or working from home. Conveniently located Half Bath completes the Main Level. Expansive Deck off the Family Room overlooks the backyard and provides plenty of space for outdoor entertaining, grilling or relaxing. Upstairs, spacious Primary Suite features a huge Sitting Room, perfect for a Home Office, Nursery, Exercise Room or additional private retreat. Primary Suite also offers multiple Closets and a spacious Spa-Like Bath. Three additional Bedrooms include two sharing a Jack-and-Jill Bath & one with a private en-suite Bath. Finished Terrace Level offers an abundance of additional living & entertainment space, including a Wet Bar, Movie/Entertainment Room, Wine Cellar, oversized Bedroom currently used as a Playroom, Full Bath & plenty of Storage. Walk out to the Flagstone Patio and enjoy additional outdoor living space. Creekside amenities include Swimming Pool, Tennis/Pickleball Courts, Playground, Clubhouse & Workout Room. Conveniently located within walking distance to New Hope Elementary School, shopping & dining plazas. Minutes to GA-400, Big Creek Greenway, Northside Hospital Forsyth & additional shopping and dining. Exciting new restaurants and businesses are also coming to the nearby Bethelview & Castleberry intersection, bringing even more everyday convenience just around the corner!

5310 Hedgewick Way, Cumming

$1,259,000
5 Beds 6 Baths 10831454 MLS
BELOW APPRAISED VALUE | UNBEATABLE VALUE | NEW CONSTRUCTION LUXURY IN SOUTH FORSYTH NEVER LIVED IN. OVER $175,000 IN BUILDER UPGRADES AND LOT PREMIUM. Welcome to an exceptional opportunity to own a NEVER-LIVED-IN TOLL BROTHERS LUXURY HOME in the highly sought-after CROSS CREEK COMMUNITY, located in the TOP-RATED SOUTH FORSYTH HIGH SCHOOL DISTRICT. Positioned on a PREMIUM CUL-DE-SAC LOT WITH A PRIVATE WOODED BACKDROP, this stunning residence combines sophisticated design, exceptional upgrades, privacy, and an unbeatable South Forsyth location. With MORE THAN $175,000 INVESTED IN LOT PREMIUM, STRUCTURAL UPGRADES, AND DESIGN CENTER SELECTIONS, this home offers the benefits of a highly customized new construction home without the construction wait, uncertainty, or additional upgrade costs. WHY THIS HOME STANDS OUT: 5 BEDROOMS | 5.5 BATHROOMS; EVERY BEDROOM FEATURES A PRIVATE EN-SUITE BATH; PREMIUM CUL-DE-SAC LOT WITH PRIVATE WOODED BACKYARD; 3-CAR SIDE-ENTRY GARAGE; NEVER LIVED IN; OFFERED BELOW APPRAISED VALUE. Step through the DESIGNER DOUBLE FRONT DOORS into an impressive grand foyer. The main level features a formal living room and a BANQUET-SIZED DINING ROOM, perfect for elegant entertaining. The spectacular TWO-STORY GREAT ROOM features soaring ceilings, an UPGRADED FIREPLACE WITH DRAMATIC FLOOR-TO-CEILING TILE SURROUND, built-in cabinetry, and expansive linear windows overlooking the private wooded backyard. GOURMET DESIGNER KITCHEN: QUARTZ COUNTERTOPS WITH DESIGNER FINISHES; CUSTOM WHITE CABINETRY EXTENDING TO THE CEILING; OVERSIZED CENTER ISLAND; 5-BURNER GAS COOKTOP; MODERN DIGITAL OVEN; BUTLER'S PANTRY/BAR; SPACIOUS WALK-IN PANTRY; STAINLESS STEEL APPLIANCES; EXCEPTIONAL STORAGE. The MAIN-LEVEL GUEST SUITE WITH A FULL PRIVATE BATH provides an ideal retreat for guests, in-laws, or MULTIGENERATIONAL LIVING. Upstairs, the LUXURIOUS PRIMARY SUITE offers a private retreat with a SPA-INSPIRED BATHROOM, double vanities, soaking tub, and an EXPANSIVE WALK-IN SHOWER. Additional en-suite bedrooms and flexible living spaces provide exceptional comfort and versatility for family and guests. PREMIUM BUILDER AND DESIGN CENTER UPGRADES: FUNCTIONAL DROP ZONE; LAUNDRY ROOM WITH UTILITY SINK AND BUILT-IN CABINETRY; HIGH-END UPGRADED FAUCETS THROUGHOUT; HARDWOOD FLOORING THROUGHOUT THE MAIN LIVING AREAS; COVERED FRONT PORCH; COVERED REAR PATIO. ADDITIONAL FEATURES: EV CHARGER READY; TANKLESS WATER HEATER; IRRIGATION SYSTEM. PREMIER SOUTH FORSYTH LOCATION: Enjoy convenient access to GA-400, THE COLLECTION AT FORSYTH, HALCYON, AVALON, AND FOWLER PARK, offering exceptional shopping, dining, entertainment, and outdoor recreation nearby. Located within the AWARD-WINNING FORSYTH COUNTY SCHOOL DISTRICT, this home offers an exceptional combination of LUXURY, LOCATION, PRIVACY, AND LIFESTYLE. EXCEPTIONAL VALUE: MORE THAN $175,000 IN LOT PREMIUM, STRUCTURAL UPGRADES, AND DESIGN CENTER SELECTIONS have already been invested in this home. This rare opportunity allows you to acquire a HIGHLY UPGRADED TOLL BROTHERS HOME without waiting for construction or paying additional builder upgrade costs yourself. LUXURY. PRIVACY. PREMIUM LOCATION. EXCEPTIONAL VALUE. SCHEDULE YOUR PRIVATE SHOWING TODAY AND EXPERIENCE THIS REMARKABLE SOUTH FORSYTH HOME IN PERSON.

2450 Colliers Lane, Cumming

$625,000
3 Beds 3 Baths 10831108 MLS
Welcome home to this beautifully updated brick ranch in the highly sought-after Habersham at Lanier community. Built by renowned builder John Wieland, this exceptional home combines timeless craftsmanship with modern updates, all situated on a spectacular oversized landscaped lot that offers both beauty and privacy. Step inside to discover a thoughtfully renovated interior featuring spacious living areas, updated finishes, and effortless one-level living. The completely renovated kitchen features custom cabinetry and top of the line appliances. the Owners Suite is stunning with a completely renovated bath including spa amenities. The light-filled floor plan is perfect for both everyday living and entertaining, with inviting gathering spaces that flow seamlessly throughout the home. Outside, the expansive professionally landscaped yard provides endless opportunities for outdoor enjoyment, gardening, recreation, or simply relaxing in your own private retreat. Mature landscaping creates a picturesque setting rarely found in today's market. Conveniently located with easy access to GA-400 and Peachtree Industrial Boulevard, this home offers the perfect balance of tranquility and accessibility. Enjoy nearby shopping, dining, parks, and Lake Lanier while maintaining an easy commute to all that North Atlanta has to offer. A rare opportunity to own a completely updated John Wieland brick ranch on one of the largest and most beautiful lots in Habersham at Lanier.

4210 Habersham Way, Cumming

$774,500
4 Beds 3 Baths 10831024 MLS
Better than new in Yellowstone Farm, this beautifully established home offers all the appeal of newer construction, with the finishing touches and privacy already in place. Located in the first phase of the community, the home is surrounded by mature landscaping and features a large, level backyard fully enclosed with wood privacy fencing-ready to enjoy from day one. Inside, thoughtful upgrades immediately set this home apart from the builder inventory currently available. Custom lighting throughout includes genuine Swarovski crystal chandeliers, selected with no expense spared, adding an unexpected level of elegance and luxury. The main living areas are elegant, open and spacious, yet comfortable for everyday living and entertaining. The main-level primary suite features a tray ceiling, dual vanities, walk-in shower and generous walk-in closet. Two additional bedrooms and a full bath are also on the main level, offering flexibility for family, guests or a home office. Step outside to the covered patio and one of the home's standout features-the expansive, flat and fully fenced backyard with established landscaping and plenty of room to entertain, play or relax. Upstairs, a large loft/flex space, fourth bedroom and full bath create an ideal guest suite, media room, office or secondary living area, with walk-in attic storage for added functionality. With 4 bedrooms, 3 full baths, approximately 3,147 square feet and .42 acre, this home delivers the space today's buyers want with the warmth, privacy and significant upgrades that take time-and additional expense-to achieve with new construction. Beautifully established, thoughtfully upgraded and truly move-in ready. Why wait to finish a new home when this one is already beautifully finished for you!

2665 Joseph Drive, Cumming

$1,059,000
4 Beds 4 Baths 10830973 MLS
Not your typical home-and that's exactly the point. Built as the builder's personal residence, this thoughtfully designed property offers something increasingly difficult to find in Forsyth County: custom construction, exceptional flexibility, a three-car garage, room for a future pool and NO HOA. From the moment you step inside, the difference is in the details. Hardwood floors extend throughout most of the main level, while the open living spaces were designed for both everyday comfort and entertaining. The kitchen centers around an oversized island with abundant storage, induction cooktop, upgraded stone countertops and a large pantry, opening seamlessly to the living room with custom built-ins and floating shelves. A multi-panel sliding door extends the living space to the screened porch, complete with a wood-burning fireplace and lighted double-tray ceiling-the kind of outdoor room you'll use year-round. The main-level primary suite provides the convenience buyers love, while an additional main-level bedroom and bath create even more flexibility. Upstairs you'll find another bedroom and bath along with an office/flex room and generous conditioned storage. But what truly sets this property apart is the private carriage-house living space above the oversized three-car garage. Complete with its own kitchen, walk-in pantry, laundry, bedroom, bath and living area, it creates an incredible opportunity for multigenerational living, an in-law or guest suite, independent space for an adult child, or an exceptional work-from-home setup. Even better, it was thoughtfully designed with a pre-framed opening allowing it to be connected to the main home in the future if desired. The attention to detail continues with spray-foam insulation throughout the roof area, premium YKK windows, upgraded quartzite/granite surfaces, custom closet and pantry shelving, abundant storage, epoxy-coated garage floors and oversized 9-foot-wide garage doors with extra depth for larger vehicles, toys or additional storage. Outside, enjoy fenced front and rear yards and the freedom to make the property your own. Even the sewer system was intentionally positioned in the front yard to preserve the backyard for a future swimming pool. No HOA. No cookie-cutter floor plan. No shortage of possibilities. This is a home designed for the way life changes-whether you need multigenerational living today, private guest quarters, work-from-home space, room for a future pool, or simply want a beautifully built home with flexibility you rarely find. Come see why this one is different.

5850 Rogers Road, Cumming

Start Your Search

© 2026 Georgia MLS. All rights reserved. Information Deemed Reliable But Not Guaranteed.