Posts with tag 'First-time buyers'
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30
VA Loan vs. Conventional Loan: Which Is Right for You in Real Estate?
For those who qualify, a VA (Veterans Administration) home loan is often one of the best financing options. A VA home loan typically offers an attractive interest rate and other perks. Our real estate agents get questions about VA loans, and we're glad to help you find the information you need to make an informed decision.
27
Is a Home Warranty Right for You?
Whether buying a cell phone, a toaster, or a car, you're often asked if you would like to purchase a warranty. In some cases, they are great to have. In others, we are throwing our money away. Our real estate agents want to give you the information you need to determine whether purchasing a home warranty is wise.
19
Avoid These Things Before Buying a Home
After all of your hard work and careful saving, you're probably starting to look longingly at some of the beautiful Atlanta homes for sale. At this point in the process, a simple error in judgment could derail your plans. Our real estate agents want to help you avoid any such issues.
- Don't make a major purchase.
Lenders will check your credit before approving your loan. Buying a new car, furniture, or appliance will impact the loan in more ways than one. Not only will such a purchase lower your FICO score, but it will also increase your debt-to-income ratio or DTI. If your DTI increases to around 43%, you will be considered a risky borrower. If your loan is approved at all, it may be at a higher interest rate. Avoid making such purchases for at least six months to a year before buying a home.
29
What to Ask a Potential Home Inspector
Our real estate agents want to help you achieve true peace of mind. We're always there for you throughout the process of finding the right Atlanta homes for sale, making a bid, and getting to closing day.
Your real estate agent is your ally from start to finish but doesn't do it all alone. Depending on your situation, there may be other experts on your team. One of the most important ones virtually every buyer needs is a trusted home inspector.
15
Why Buying May Be Better Than Building
In looking for Atlanta homes for sale, some people forego the buying process and build their new house themselves from the ground up. The idea certainly has its appeal. No long searches, no bidding wars, and you can get a brand new home tailored to your exact specifications. However, while good in theory, building a house may not be the best option in practice. Here are a few reasons why buying is better.
- Cost. On average, building a new home costs $34,000 more than buying one. The cost is much less straightforward, too, and always ends up being significantly more than you'd originally anticipated. You never know when, several months into the process, an unexpected obstacle arises, requiring extra money to circumvent. On the other hand, the cost of buying a house can be negotiated. You can always walk away if it's more than you're comfortable paying. In building, walking away often means giving up the money you've already invested in the project as a loss.