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HOW BIG OF A MORTGAGE CAN I AFFORD?

HOW BIG OF A MORTGAGE CAN I AFFORD? Not only does owning a home give you a haven for yourself and your family, it also makes great financial sense because of the tax benefits — which you can’t take advantage of when paying rent. The following calculation assumes a 28 percent income tax bracket. If […]
Home Checklists

GET YOUR FINANCES IN ORDER: TO-DO LIST

GET YOUR FINANCES IN ORDER: TO-DO LIST 1. Develop a household budget. Instead of creating a budget of what you’d like to spend, use receipts to create a budget that reflects your actual spending habits over the last several months. This approach will factor in unexpected expenses, such as car repairs, as well as predictable […]
Home Checklists

COMMON CLOSING COSTS FOR BUYERS

COMMON CLOSING COSTS FOR BUYERS You’ll likely be responsible for a variety of fees and expenses that you and the seller will have to pay at the time of closing. Your lender must provide a good-faith estimate of all settlement costs. The title company or other entity conducting the closing will tell you the required […]
Home Checklists

CLOSING DOCUMENTS YOU SHOULD KEEP

CLOSING DOCUMENTS YOU SHOULD KEEP On closing day, expect to sign a lot of documents and walk away with a big stack of papers. Here’s a list of the most important documents you should file away for future reference. • HUD-1 settlement statement. Itemizes all the costs — commissions, loan fees, points, and hazard insurance […]

Home Checklists HOW BIG OF A MORTGAGE CAN I AFFORD? HOW BIG OF A MORTGAGE CAN I AFFORD? Not only does owning a home give you a haven for yourself and your family, it also makes great financial sense because of the tax benefits — which you can’t take advantage of when paying rent. The following calculation assumes a 28 percent income tax bracket. If […]

Home Checklists GET YOUR FINANCES IN ORDER: TO-DO LIST GET YOUR FINANCES IN ORDER: TO-DO LIST 1. Develop a household budget. Instead of creating a budget of what you’d like to spend, use receipts to create a budget that reflects your actual spending habits over the last several months. This approach will factor in unexpected expenses, such as car repairs, as well as predictable […]

Home Checklists COMMON CLOSING COSTS FOR BUYERS COMMON CLOSING COSTS FOR BUYERS You’ll likely be responsible for a variety of fees and expenses that you and the seller will have to pay at the time of closing. Your lender must provide a good-faith estimate of all settlement costs. The title company or other entity conducting the closing will tell you the required […]

Home Checklists CLOSING DOCUMENTS YOU SHOULD KEEP CLOSING DOCUMENTS YOU SHOULD KEEP On closing day, expect to sign a lot of documents and walk away with a big stack of papers. Here’s a list of the most important documents you should file away for future reference. • HUD-1 settlement statement. Itemizes all the costs — commissions, loan fees, points, and hazard insurance […]

Home Checklists BUDGET BASICS WORKSHEET BUDGET BASICS WORKSHEET The first step in getting yourself in financial shape to buy a home is to know exactly how much money comes in and how much goes out. Use this worksheet to list your income and expenses below. INCOME Take Home Pay (all family members): Child Support/Alimony: Pension/Social Security: Disability/Other Insurance: Interest/Dividends: Other: […]

Home Checklists 8 Guide Tips For Your Home Search 8 Guide Tips For Your Home Search 1. Research before you look. Decide what features you most want to have in a home, what neighborhoods you prefer, and how much you’d be willing to spend each month for housing. 2. Be realistic. It’s OK to be picky, but don’t be unrealistic with your expectations. There’s […]

Home Checklists 7 REASONS TO OWN YOUR HOME 7 REASONS TO OWN YOUR HOME 1. Tax breaks. The U.S. Tax Code lets you deduct the interest you pay on your mortgage, your property taxes, as well as some of the costs involved in buying your home. 2. Appreciation. Real estate has long-term, stable growth in value. While year-to-year fluctuations are normal, median existing-home […]

Home Checklists 6 CREATIVE WAYS TO AFFORD A HOME 6 CREATIVE WAYS TO AFFORD A HOME 1. Investigate local, state, and national down payment assistance programs. These programs give qualified applicants loans or grants to cover all or part of your required down payment. National programs include the Nehemiah program, www.getdownpayment.com, and the American Dream Down Payment Fund from the Department of Housing and […]

Home Checklists 5 THINGS TO KNOW ABOUT TITLE INSURANCE 5 THINGS TO KNOW ABOUT TITLE INSURANCE Title insurance protects the holder from any losses sustained from defects in the title. It’s required by most mortgage lenders. Here are five other things you should know about title insurance. 1. It protects your ownership right to your home, both from fraudulent claims against your ownership and […]

Home Checklists 5 THINGS TO KNOW ABOUT HOMEOWNER’S INSURANCE 5 THINGS TO KNOW ABOUT HOMEOWNER’S INSURANCE 1. Know about exclusions to coverage. For example, most insurance policies do not cover flood or earthquake damage as a standard item. These types of coverage must be bought separately. 2. Know about dollar limitations on claims. Even if you are covered for a risk, there may be […]

Home Checklists 5 PROPERTY TAX QUESTIONS YOU NEED TO ASK 5 PROPERTY TAX QUESTIONS YOU NEED TO ASK 1. What is the assessed value of the property? Note that assessed value is generally less than market value. Ask to see a recent copy of the seller’s tax bill to help you determine this information. 2. How often are properties reassessed, and when was the last […]

Home Checklists 5 MOST DANGEROUS HAZARDS IN A HOME 5 MOST DANGEROUS HAZARDS IN A HOME Home owners beware: Several dangers may lurk in a home. If you’re not careful, they could make you sick. Pillar to Post, a home inspection company, reviews how to spot these dangers in the home and encourages you to contact a home inspector if your home may be […]

Home Checklists 5 FACTORS THAT DECIDE YOUR CREDIT SCORE 5 FACTORS THAT DECIDE YOUR CREDIT SCORE Credit scores range between 200 and 800, with scores above 620 considered desirable for obtaining a mortgage. The following factors affect your score: 1. Your payment history. Did you pay your credit card obligations on time? If they were late, then how late? Bankruptcy filing, liens, and collection […]

Home Checklists 5 COMMON FIRST-TIME HOME BUYER MISTAKES 5 COMMON FIRST-TIME HOME BUYER MISTAKES 1. They don’t ask enough questions of their lender and end up missing out on the best deal. 2. They don’t act quickly enough to make a decision and someone else buys the house. 3. They don’t find the right agent who’s willing to help them through the homebuying […]

Home Checklists 3 Options for Selling Your Home 03/10/2022 Discussing three options sellers have in today’s market. These days, sellers often ask us, “What’s my best option to get my home sold?” In today’s market, you really have three routes you could take: the iBuying route, the retail route, and the wholesale route. Today I’ll take about each of these options in more […]

Home Checklists 17 TIPS FOR PACKING LIKE A PRO 17 TIPS FOR PACKING LIKE A PRO Moving to a new home can be stressful, to say the least. Make it easy on yourself by planning far in advance and making sure you’ve covered all the bases. 1. Plan ahead by organizing and budgeting. Develop a master “to do” list so you won’t forget something […]

Home Checklists 10 WAYS TO PREPARE FOR HOME OWNERSHIP 10 WAYS TO PREPARE FOR HOME OWNERSHIP 1. Decide what you can afford. Generally, you can afford a home equal in value to between two and three times your gross income. 2. Develop your home wish list. Then, prioritize the features on your list. 3. Select where you want to live. Compile a list of […]

Home Checklists 10 QUESTIONS TO ASK YOUR LENDER 10 QUESTIONS TO ASK YOUR LENDER 1. What are the most popular mortgages you offer? Why are they so popular? 2. Which type of mortgage plan do you think would be best for me? Why? 3. Are your rates, terms, fees, and closing costs negotiable? 4. Will I have to buy private mortgage insurance? If […]

Market Update GETTING CREATIVE TO SOLVE INVENTORY ISSUES 03/31/2022 The big issue around housing today is low inventory. At 0:19 in the video above, you’ll see that it hasn’t always been like this. From 2005 to 2007, national inventory shot up to four million active homes. As you can also see in that chart, we’re down to just 400,000 properties for sale throughout […]

Home Checklists 10 QUESTIONS TO ASK THE CONDO BOARD 10 QUESTIONS TO ASK THE CONDO BOARD Before you buy, contact the condo board with the following questions. In the process, you’ll learn how responsive — and organized — its members are. You’ll also be alerted to potential problems with the property. 1. What percentage of units is owner-occupied? What percentage is tenant-occupied? Generally, the […]

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Northeast Georgia Board of REALTORS® All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of the Multiple Listing Service. Real estate listings held by brokerage firms other than CENTURY 21 Results may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. Copyright ©2022 All rights reserved.

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