Real Estate Tax Appeals

Real Estate Tax Appeals

In our last newsletter, we mentioned that we had met a highly recommended individual who specializes in Property Tax Appeals.  Below is a primer on how the process works.

Each of the 159 county assessors’ offices in Georgia now automatically issue annual assessment notices to all parcel owners.  This is typically done between April 1st and June 30th with a 45-day window in which the property owner can file an appeal to contest the assessed value as determined by the County.   ...

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Shopping for a mortgage: How can I be sure I’m comparing apples to apples?

Shopping for a mortgage: How can I be sure I’m comparing apples to apples?

Once you are satisfied that you are working with a top-quality professional mortgage advisor, here are the rules and secrets you must know to “shop” effectively.

First, IF IT SEEMS TOO GOOD TO BE TRUE, IT PROBABLY IS. But you didn’t really need us to tell you that, did you? Mortgage money and interest rates all come from the same places, and if something sounds really unbelievable, it’s better to ask a few more questions and find the hook. Is there ...

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Where does the money come from for the loan?

Where does the money come from for the loan?

Here’s a good question we’re asked all the time: Where does the money come from for the loan?

And here’s the answer:

Mortgage lending operates under three distinct models: Mortgage Brokers, Mortgage Bankers and Retail Banks.

1. Mortgage Brokers are much like independent insurance agents — they have access to many different lenders and many different programs. They work through the “wholesale side” of the larger banks and therefore are able to secure better rates for their clients than they could get on their ...

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Looking for A Georgia HARP Loan or Florida HARP Loan?

Home Affordable Refinance Program (HARP) help Georgia and Florida home owners refinance their mortgages even if they owe more than the home is worth! Let us help you refinance your mortgage today!

 

 

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Get A Certified Mortgage Loan Approval

Certified HomeBuyer is the strongest approval in the industry — far stronger than a mere pre-approval. The significant difference is your income, assets and credit are verified upfront. Don’t shop for a home without one – get your approval today!

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How Loan Modifications are Affecting Credit Reports and Scores

Just over a year ago, the Obama Administration’s $75 billion mortgage modification program went into effect, a response to the first year of “The Great Recession,” where nearly two million Americans lost their homes through foreclosure, short sales, and deeds in lieu of foreclosure. An effort to rescue homeowners teetering on the brink of disclosure, it has reduced monthly payments for hundreds of thousands of people in the past year. But what has its impact been beyond the basics that ...

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2012 Starts with a Bang!

2012 Starts with a Bang!

It is almost like someone turned on a light switch. While January and February are generally slow months for homebuyers, 2012 started off like a rocket. We have seen a dramatic rise in activity. And it isn’t just here in Atlanta, we are hearing the same thing from offices all over the country.

I thought maybe it had something to do with the un-seasonably warm weather but it feels bigger than that.

Consider the following thoughts and how they may be contributing:

1) ...

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Getting Ready for Closing and Finalizing The Deal

Getting Ready for Closing and Finalizing The Deal

Pre-Closing Preparation

As the date of the closing draws near, you will need to make contact with the closing attorney and your mortgage lender to ensure that all the necessary documents are being prepared.

A few days before the closing on your new home, you will need to contact your utility services such as electricity, gas, cable, water, and phone set up, Your Realty Consultant will provide you with the information for the appropriate utilities to contact.

Lastly, you ...

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When Do I Need a Home Inspection

When Do I Need a Home Inspection

So your offer has been accepted! Now it’s time for the property to be inspected.  A property inspection,  HVAC inspection and environmental (asbestos, mold, radon) test should be completed to ensure that the property meets or exceeds the standards as stated in the Purchase and Sale Contract. If there are issues or discrepancies exposed, you typically have 10 days during which to reach agreement on how the issues will be resolved by the seller.

Having ...

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Making An Offer On A New Home

Making An Offer On A New Home

Now that you have found the home you would like to buy, the time has come to make an offer. Taking into consideration the recent sales of properties in that neighborhood which are similar in size, quality, conveniences, and amenities, how much are you willing to offer for the home? Your Real Estate Consultant will provide you with a list of the recently sold surrounding homes that are similar in size, quality, conveniences, and amenities and help you decide ...

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