Tag Archives: ga

What do I need to take with me when I apply for a mortgage? Athens, GA First Time Buyer Blog

Answer: If you are organized and get everything your lender needs before you go down to their office to sign the mortgage application you will save a lot of time and the process will go much smoother (and faster). You … Continue reading

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Old Waverly; Bogart, GA; Creating More “Raving” Fans!

Let me start by saying you are by far one of the best realtor’s Pinal and I have worked with. This was our third home and even though it took us about 2&1/2 months from start to finish, you were … Continue reading

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So what will my mortgage cover? Athens, GA First Time Home Buyer Blog

Answer: The important thing to keep in mind is that most loans have four distinct parts: principal, interest, homeowners insurance: the monthly amount to insure the property against loss; and property taxes: the monthly pro-ration of annual county taxes assessed … Continue reading

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In addition to the mortgage payment, what other costs do I need to consider? Athens, GA First Time Buyer Blog

Answer: In addition to your mortgage payment (i.e. principal and interest), you will have your monthly utility bills. If your utilities have been covered in your rent, this may be new for you. Your real estate broker will be able … Continue reading

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How do I find a lender? Athens, GA First Time Buyer Blog

Answer: You can finance a home with a loan from a bank, a savings and loan, a credit union, a private mortgage company, or various state government lenders. Different lenders can offer quite different interest rates and loan fees; and … Continue reading

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Top 10 Most Affordable College Towns; Athens, GA

A recent survey of Realtors in university towns around America, done by one real estate brokerage, found that football matters to the local real estate market! A full one in four real estate practitioners said that the success of their … Continue reading

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Attention Athens, GA Buyers! Home Benefits Plus Offers Big Savings, Discounts

As a Valued Customer I have a Special Offer for you!  Now through Sears Commercial I am able to provide you with special pricing on the items that make your house a home including; Appliances (Laundry and Kitchen) Electronics Vacuum … Continue reading

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How do I know if I can get a loan? Athens, GA First Time Buyer Blog

Answer: The best idea is to get pre-qualified or “pre-approved” for a loan. That means you go online to a lender’s site and apply for a mortgage before you actually start looking for a home. Then you’ll know exactly how … Continue reading

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A Buyer Testimonial, Whitehall Village; Athens, GA

“It is a wonderful feeling waking up and realizing the house you just slept in is all yours. I was able to experience that feeling due to the diligence of my real estate agent, Hank Bailey. As a first time … Continue reading

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How much money will I have to come up with to buy a home? Athens, GA First Time Buyer Blog

Answer: Well, that depends on a number of factors, including the cost of the house and the type of mortgage you get. In general, you need to come up with enough money to cover three costs: earnest money – the … Continue reading

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The Coolest Small Cities in America; Athens, GA in the Mix

CQ rated our little “Bubble City of Goodness” as one of the coolest cities in America.  They state, “Want a real break? Forget the hassle of getting in and out of America’s metropolises—with their $400 hotel rooms and mobbed tourist … Continue reading

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2010 Watkinsville Christmas Parade; Tree Lighting! – GA

The Watkinsville Christmas Parade is scheduled Saturday, December 4th, at 11:00 a.m. on Main Street in downtown Watkinsville,  GA!  The theme for the 2010 parade is “Have a Holly, Jolly, Christmas!” The night before, December 3rd, is the Watkinsville Christmas … Continue reading

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Top Real Estate Blog in the Classic City, Athens, Georgia; GA

It is always great to be called a “winner.”  Today I got a hearty congratulations on being one of HomeInsurance.org’s Top Real Estate Blogs in Georgia. They said that this blog was a great resource that keeps readers up to … Continue reading

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Can I become a homebuyer if I’ve had bad credit, and don’t have down-payment? Athens, GA First Time Buyer Blog

Answer: You may find the process easier than you might have thought.  I have firsthand experience seeing people with bankruptcies within 18-24 months obtain a mortgage.  Typically if you have a FICO (credit) score of 620 or higher you can … Continue reading

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Buy or Rent? Athens, GA First Time Buyer Blog

Answer: A home is an investment. When you rent, you write your monthly check and that money is gone forever.  Rent payments go up over the years whereas a fixed rate mortgage remains the same until the mortgage is paid … Continue reading

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