Five Critical Tips When Evaluating a Neighborhood

Five Critical Tips When Evaluating a Neighborhood

Choose where you purchase a home carefully. When asked why they bought the home they currently live in, many homeowners respond in a way that suggests that their decision was happenstance rather than intentional. Life is short, so make your decision an intentional one.

1. What time is it? What day is it?
The time and day you visit a neighborhood can dramatically alter your feelings about a neighborhood. On a weekday, it will almost always seem quiet compared ...

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Home Affordability Index at a Turning Point?

Home Affordability Index at a Turning Point?

With home prices rising rather dramatically over the past year and interest rates rising as well, the home affordability index has begun to increase after bottoming out late last year. The index looks at a combination of home prices and interest rates relative to the median household income. In late 2012, home prices hit an affordability level not seen since the 1960’s. Atlanta was especially hard hit during the recent recession, meaning that we were even more ...

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Is a Negative Economic Event Preventing you or Someone You Know from Buying a New Home?

Is a Negative Economic Event Preventing you or Someone You Know from Buying a New Home?

Five long years after the start of the financial crises, the government has finally devised a plan to assist the millions of Americans who fell on hard times and lost their home or were forced to file bankruptcy. In a nutshell, the program provides an opportunity to purchase a new home for people who experienced an adverse “Economic Event,” such as the loss of a job and/or income.

Some of the conditions for the program state that the economic event ...

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The Cost of Waiting to Buy a Home

The Cost of Waiting to Buy a Home

Spring is upon us so you might be thinking about selling your house again. In Atlanta, we finally had the first year-over-year increase in five long years. How much values increased (if they did at all) in your neighborhood depends on your specific area of Atlanta, but most of us experienced a pop in value. So more homeowners are now contemplating selling for the first time since the financial crisis hit. At the same ...

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SELLING YOUR HOME IN A SELLER’S MARKET [ON YOUR OWN]

SELLING YOUR HOME IN A SELLER’S MARKET [ON YOUR OWN]

As the spring home selling season nears in metro Atlanta, we are clearly in a market that favors the Seller. Maybe you’ve decided to take advantage of this market and are thinking now is you’re time sell…and you’re going to do it on your own! While we always encourage our clients to use a real estate agent (and we have some great connections if you’re looking for a referral), if you choose to go down the road of selling on ...

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What are the 10 Biggest Home Seller Mistakes?

Real Estate Agents Rank Biggest Home Seller Mistakes by activerain.com

A recent survey of real estate agents by ActiveRain has confirmed that there are certain things a seller should avoid if they are trying to get their home sold for the best price in the least amount of time.
The results of this survey are no surprise to real estate agents, but sellers need to understand that eliminating as many hurdles as possible to the sale of your home will help ...

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Buying a New Home Before Selling Your Existing

Buying a New Home Before Selling Your Existing

Looking to buy new before selling your current home? Buying and selling a home can be complicated. But it doesn’t have to be if you know what you’re doing! In the video below I’ll walk you through 2 things to keep in mind if you’re buying a new home prior to selling your existing home. Take a moment to view these tips and as always, feel free to reach out to me with questions!

Scott's Perspective: Challenge Yourself!

If you’ve known me very long, you know that I am an avid outdoorsman, spending most of my vacations climbing mountains in the summer and snow skiing in the winter. This year I decided to try a sport that combines the two, so last month I traveled —by plane, train, bus and helicopter— into the mountains of British Columbia to engage in some back country skiing.
This was not one of those typical downhill ski trips where you ...

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Georgia HARP Refinances Shave Mortgage Payments for Home Owners

Georgia HARP  Refinances Shave Mortgage Payments for Home Owners

Are a homeowner in Georgia looking to refinance your mortgage but you owe more than your home is worth?

GA HARP LoanYou may be a candidate for a HARP refinance loan despite your homes value. There a few requirements for obtaining a Georgia HARP loan and the process can be a little complicated but don’t sweat it. ...

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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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