JYB Realty Blog

Our real estate agents help people with all kinds of financial backgrounds to purchase Atlanta homes for sale. Many people have questions about the process of getting a loan—and most are concerned about what it means for their long-term financial health.

A common question we hear at Josey Young & Brady Realty has to do with pre-payment. Pre-payment is the term for paying off your loan before the anticipated date, typically 15 or 30 years from the time the loan is issued.

Some lenders specify that paying off a large loan early will cause the lender to incur a penalty. However, this practice has largely been done away within the world of home loans. In general, if you end up with a windfall of spare cash, you can pay off your mortgage whenever you wish.

It may seem intuitive that the sooner you pay off your mortgage, the better. It's a huge milestone in life and a weight off your mind. However, it's not always wise to take the plunge.

Even if you end up with a large lump sum such as an inheritance or contest winnings that could pay off your mortgage, you might be better off continuing monthly payments.

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Mother's Day is fast approaching, and of course, you want to honor Mom with more than a bouquet from the local grocery store. As you've looked for Atlanta homes for sale, you probably have noticed that Atlanta offers something for everyone. Mother's Day is no exception. No matter what kind of mom you have, you can find an event to celebrate how special she is.

For the Creative Mom

• Sip N Paint Event - The Blu' Bisque, 323 Nelson St. SW, Atlanta
  Even if your mom isn't exactly Mary Cassatt, she's sure to love an afternoon of painting and celebrating. The Blu' Bisque in southwest Atlanta is hosting a Mother's Day Sip and Paint extravaganza, Saturday, May 11 from 1-3 p.m. You'll get to put brush to canvas while enjoying delicious nibbles and unlimited mimosas.

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Our real estate agents at Josey Young & Brady Realty will help you find the Atlanta home for sale that puts you right at the heart of all the Peach State has to offer.

Sometimes, getting to closing on your dream home has challenges. With help from the right real estate expert though, you can overcome any bumps in the road. You may not be able to plan for everything that might happen, but you can always adjust and move forward.

One worrying situation is a problem with a home inspection. A home inspection is used to ensure a home is safe and ready for move in. A qualified inspector examines every aspect of the house, including its plumbing, electrical systems, roof, walls, floors, and much more. He or she then compiles a report specifying any issues.

Some mortgage programs for first-time homeowners require a "clean" home inspection that does not indicate defective wiring or anything else that may compromise human safety. In most cases, however, a home inspection is for advisory purposes only.

You can still go forward with buying a home after a poor inspection. Still, it's important to ask yourself how the results of the inspection might add costs or other complications to your plans. Here's what to do:

1. Start With a Strong Inspection Clause
   A real estate lawyer is your best ally in ensuring your contract has an inspection clause that can make things right in the event of trouble. A common approach is to stipulate that the seller must pay to make certain types of repairs or provide a lump sum. However, this can come back to haunt you if faults cost more to fix than the seller agreed upon.

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Cover to cover, there is no better way to relax than by cracking open a book. A well-written book can teach you everything you want to know about culture, cuisine, or civilizations from long ago. If you love to read as much as our real estate agents enjoy the hobby, April 27th is an opportunity for you to head down to your local bookstore and celebrate Independent Bookstore Day. When it comes to finding the perfect book for your collection, the following are 5 independent bookstores in Atlanta we highly recommend.

• Bazati - 550 Somerset Terrace NE, Atlanta
  Bazati has a little bit of everything for everyone to enjoy. Throughout this eclectic store, you'll find a broad selection of one-of-a-kind books, Caribbean cigars, and silky smooth beverages to sip on as you settle in to enjoy conversations about your favorite books with your closest friends.

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Spring has sprung, and our real estate agents are busy helping clients with Atlanta homes for sale prepare for the most active selling season of the year. One of their top tips is to use paint to get your home in buyer-ready condition. So grab your paintbrush, roller and drop cloth and read on to learn how you can make your home more appealing with a few coats of paint.

• Give the Exterior of Your Home Some Love
  There's no denying that creating curb appeal is vital—first impressions are everything with it comes to selling your home. If the exterior of your home is falling flat, consider giving it a makeover with paint. Many potential buyers drive by before looking at a home. If they're faced with a messy exterior or peeling paint, they may not come back. Ask around and get a few estimates from professional painters—they have the skill and tools to do the job safely and make it stand out from the crowd. Its best to choose a neutral or earthy tone for the exterior of your home, but make sure to pick a different color for trim—the contrast will be more eye-catching than using a single color.

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