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Are you a home own in the Atlanta area? You'll love our homeowner's tips and tricks. Find more information about homeownership now.

Found 8 blog entries about Homeownership.

Buying a home--it’s the American dream. But recent events have caused financial experts to push the advantages of renting over buying that home! Arguments include flexibility on leasing contracts, lower insurance rates, no property taxes, and elimination of maintenance and repairs. Of course, there are pros and cons for either side but here are 5 reasons for the purchase of your dreams.

  1. Roots –How long do you plan on being in the location? Is this where you plan to be in a few months or a few years? For short term living, renting is obviously the way to go but if you plan to stay put, a home will entrench you in the community. There’s nothing like settling down and stability. Long term residency will also convert that throwaway rent money into a
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When it comes to owning a home, you should always expect the unexpected. Lightning, fallen branches, fires, costly repairs, busted pipes, and theft are things you do not typically think of when you purchase a new home, but these inconveniences occur nonetheless.

It makes sense to protect the biggest investment of your life. Homeowners insurance ensures the safety and financial stability of you and your family.

What does a homeowners insurance plan cover?

When you purchase or refinance a home, your lender will require that you have a homeowners insurance plan, as proof that their investment is secure. It is important to have the home inspected to make sure there are no problems that might be affected by insurance.

According to the Insurance

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With so many uncertainties in today’s economy, it is difficult to evaluate the options that might be worth investing your money in. Investments hold potential risk, yet the return could prove to be substantial. Putting your money into investment properties, for example, has a high risk of inflation, but if you’re lucky and the market is right, you stand to gain a great deal.

Taking the time to learn which properties are worth investing in and how to keep an eye on the local market near you can put more money in your pocket and help steer you towards financial independence. Check out our tips for buying an investment property below.

First: Are You Prepared to Invest Your Time and Money?

Owning and maintaining investment real estate might prove

1,464 Views, 1 Comment

Perhaps you’re moving to a new home, you’re investing in property, or feel like you finally have to scratch that itch on the vacation home you’ve always wanted.  Though it is often more difficult to secure a mortgage when buying a second home – lenders just consider them to be a higher risk – finding and financing a second home doesn’t have to be a fiscal nightmare.

Here are a few simple tips on how to finance a second home more easily:

Keep Your Credit in Check

Make sure your credit score is between average or above-average. There are more programs available for first-time homebuyers than there are for those looking to move or buy a second home. Pay your credit cards and bills on time and keep your debt-to-income ratio in check for better

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Buying a home for the first time can be a daunting, yet rewarding experience. Fortunately, there are existing first-time home buyer programs that provide financial assistance for various needs and circumstances.

Whether you are looking for a loan, down payment assistance, or building from the ground up, there are many federal, state and local agencies that have programs in place that specifically help and are designed for first-time homebuyers.

Federal Programs for First-Time Homebuyers

FHA Loans

FHA loans are property loans insured by the Federal Housing Administration (as part of the U.S. Department of Housing and Urban Development – HUD), for low-income borrowers or those with credit scores as low as 580.

With FHA loans, a down payment

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credit scores explainedOwning a home can be a rewarding and exhilarating experience in anyone’s life. There is responsibility, security and comfort with having a place of your own.

Whether you’re a first time homeowner or looking to refinance or buy a new home, understanding credit scores is essential to your chances for success in the real estate market.

Mortgage brokers will look at those magic three digits that make up your credit score. A low score could lead to higher interest rates or even result in being disapproved entirely on property purchases.

Your three-digit FICO credit score is comprised of five parts:

  • Debts Owed
  • New Lines of Credit
  • Time Period of Credit History
  • Types of Credit in Use
  • Payment History

Below is a simple checklist for

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buying a homeIf you are thinking about buying a home or condo, you should naturally have a ton of questions for your real estate agent. In large real estate markets, agents can be a dime a dozen – so it’s important that buyers, especially if new, choose the right real estate agent. But how do you do it?

Asking potential agents questions before you make a purchase or even begin looking is a great start. Here are the top 5 questions (and answers!) we have received from buyers looking for their dream home in the Atlanta real estate market.

5. What geographic area do you handle?

Most real estate agents are licensed to operate anywhere in a specific state. Nevertheless, it is important to find an agent that specializes in the area in which you are looking to buy.

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Are you confused about whether to purchase an Atlanta home for sale with a Heat Pump or an A/C System? Home inspector Steven Sheldon has the answer!

atlanta homes for sale heat pumpWhen inspecting Atlanta homes for sale, I am often asked by the prospective buyer to elaborate on the differences between a heat pump and a straight A/C unit and which type of system is best. The answer is really one of personal preference. Once you understand the nature of each type of system, you can make an informed decision on which works best for you.

First, A/C units and heat pumps look very similar. Unlike a straight A/C system which only provides cool air in the hot summer months, a heat pump is designed as both an air conditioner in the summer and a heat source in the winter. Sounds good,

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