If you are planning on purchasing a home, either now or in the future, whether you are a first time buyer or buying your second or beyond home, unless you are purchasing for cash, your credit score is one of the most important assets that you have. Current mortgage programs, for the most part, are [...]
Archive for the ‘Buying A Home’ Category
Looking to Buy a Home? Keep Tabs on Your Credit and Your Credit Score!
Posted in Athens Ga Real Estate, Barrow County Ga Real Estate, buyers credit, Buying A Home, Buying a home in Athens Ga, checking your credit, checking your credit score, credit, First Time Home Buyers, Jackson County Ga Real Estate, Oconee County Ga Real Estate, Oglethorpe County Real Estate, Watkinsville Ga Real Estate on 08/11/2010 | Leave a Comment »
New FHA Rules Will Cost Some Athens Ga Real Estate Buyers More in the Coming Months
Posted in Athens Ga Real Estate, Buying A Home, fha, home financing, Oconee County Ga Real Estate, Oglethorpe County Real Estate on 03/31/2010 | Leave a Comment »
New FHA rules are going to cost some borrowers more money up front when getting an FHA loan. On Apr. 5, 2010, buyers who want an FHA loan will be required to pay an upfront Mortgage Insurance Premium (MIP) of 2.25% of the loan instead of 1.75%. This will result in an extra $750 required [...]
New FHA Financing Requirements: Will They Affect You Buying or Selling a Home in and Athens Ga
Posted in Buying A Home, fha, home finance, home financing, Rural Development Loans, Selling Your Home on 01/21/2010 | Leave a Comment »
The FHA (Federal Housing Administration) has made some changes to it’s home financing requirements that may have an impact upon home sales and purchases. The changes involve credit scores, mortgage insurance and seller contributions. Previously, the FHA did not have a minimum credit score requirement. The new guidelines require a minimum credit score of 580. [...]
Update on the $8000 Home Buyers Tax Credit
Posted in $8000 Tax Credit, Athens Ga Real Estate, buyers credit, Buying A Home on 10/29/2009 | Leave a Comment »
Contrary to what you might have heard, the $8000.00 Home Buyers Tax Credit has not yet been extended. However, there is agreement among Senate leaders as to the content and extent of the proposal that will authorize an extension. It still has to be determined how it will go to the Senate floor for a [...]
10 Commandments For Homebuyers
Posted in Buying A Home on 10/25/2009 | 1 Comment »
Whether buying a home for the first time, or buying your tenth home, there are 10 things that prospective buyers should refrain from doing during the home buying process until after the closing has taken place. 1. Thou shalt not change jobs, become self-employed or quit your job. 2. Thou shalt not buy a car, [...]
Pricing Your Home – Sqaure Foot Pricing – Is It Really a Good Method?
Posted in Buying A Home, Pricing a home, Selling Your Home on 10/14/2009 | Leave a Comment »
Often, when comparing homes buyers ask me “What is the price per square foot?” I never give them a direct answer. In fact, I usually try to direct them away from that form of comparison, at least as one of the first means of comparing two or more homes. Simply foot, square foot pricing is [...]
It Isn’t About Sir, Maam, Mr., Ms., Miss, or Mrs. But Your Title Does Make a Difference
Posted in Buyer's Assistance, Buying A Home, home ownership on 10/14/2009 | Leave a Comment »
When you purchase a home, or any real estate, in Georgia, you will take “title” to that property. Title is both the right of ownership and, at the same time, the proof of that right. Ultimately, it also controls how a property may be sold or transferred. That proof of title, in Georgia, is the [...]
Can You Use $8000 More for Your Down Payment?
Posted in buyers credit, Buying A Home, home finance on 06/02/2009 | Leave a Comment »
I know that I can. Unfortunately, I do not qualify. But, if you are a first time home buyer, someone who hasn’t owned your own home for at least 3 years, you just might be able to take advantage of this. As of Friday, May 29, 2009, H.U.D. has approved the monetization of the $8000 [...]
Thinking of Buying a Foreclosure?
Posted in Buying A Home, foreclosures on 04/30/2009 | Leave a Comment »
Well here are some things to think about! You may have heard on TV or radio, from your friends, from newspapers, magazines or the internet that there are some really good bargains out there in the foreclosure market. In fact, you see some ads about people purchasing homes for 10¢ on the dollar. They are [...]
Thinking of Buying a Home – How Much Home Can You Afford
Posted in Buying A Home, home finance, home financing on 04/21/2009 | Leave a Comment »
If you are thinking of buying a home you really need to understand how much home that you can afford. Not how high a payment that you are comfortable with, but how high a payment that your lender and loan type/underwriter thinks that you can afford. And, you should find this out before you look [...]
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