Owning a home has always been part of the American dream. It provides security, stability and an asset to build wealth. After several tumultuous years confidence in the real estate market is up again. With rental prices on the rise and the relatively low cost of owning a home, many home seekers are choosing buying instead of renting.
Benefits of owning a home
- Why pay another person’s mortgage – when you can build equity in your own home
- Qualify for a number of tax deductions – write off your mortgage interest, real estate taxes and more
- Leverage your investment – even though your investment is only a portion of the home value you will get appreciation on the full amount
- Save money – with rents at all-time highs owning a home is often less expensive
- Pride of ownership – you can improve your home, take care of it, make it your own
Why work with Us
When We represent a buyer, We have your best interests at heart. Whether you’re buying a $100,000 home or a $10 million home, you will get Our full attention, 24/7 availability, access to top attorneys and home inspectors as well as Our expert and honest advice. We believe it’s Our job to not only find you the perfect home, but also to educate you throughout the entire process so you know you’re making the best short and long term financial decisions. For most people, buying a home is the most expensive purchase you will ever make and it’s Our job to make sure you’re not only getting a great home; but you’re getting it for a great price! We go above and beyond for every client which includes helping you find movers and home insurance to even personally dropping off pizza on moving day.
More important, We are not just real estate agents, We are REALTORS©. As a member of the National Association of Realtors (NAR) and the Atlanta Board of Realtors, We abide by and adhere to a strict code of ethics where the bottom line is that all parties of a transaction are dealt with honestly and with integrity. Our obligation is to put Our client’s interests ahead of Our own, and We are required to make full disclosure on all transactions and be completely truthful in all advertising. The recourse for failure to adhere to these strict ethical codes include hefty fines levied by the board and can include suspension. Not all agents who work with buyers are members of this national association, and it can make a critical difference.
When We represent a buyer, We have your best interests at heart. Whether you’re buying a $100,000 home or a $10 million home, you will get Our full attention, 24/7 availability, access to top attorneys and home inspectors as well as Our expert and honest advice. We believe it’s Our job to not only find you the perfect home, but also to educate you throughout the entire process so you know you’re making the best short and long term financial decisions.
Preparation:
Build Your Green File:
A green file contains all your important financial documents. You will need it to secure financing for your property. The typical green file should contain:
- Financial statements
- Bank accounts
- Investments
- Credit cards
- Auto loans
- Recent pay stubs
- Tax returns for two years
- Copies of leases for investment properties
- 401K statements, life insurance, stocks, bonds, and mutual account information.
Check Your Credit Rating:
Your credit score will have a huge impact on what type of property you can buy, and at what price. It is first recommended to check your credit rating with an experienced lending institution so that we can determine what you can afford. The lender will research your credit ratings from the three credit reporting agencies Equifax, Experian and Trans Union. We will be happy to recommend experienced, knowledgeable lenders in the residential, construction, and commercial & investment real estate fields
Be Careful With Your Finances:
Now is not a good time to make sudden career changes or large purchases. You want to approach your property purchase from a position of financial stability.
One of the most important aspects of purchasing a home, even more important in some ways than finding the perfect place, is finding a smart and experienced lender. We work with a network of capable and trustworthy lenders who have proven themselves time-and-time again. A good lender means the difference between a dream and a nightmare