Arbor Green Community

Canterbury On The Lake Community

Carmichael Farms Community, Cherokee County Ga.

Grandview-The Glen, Suwanee Community 30024

Greyson Ridge, City of Marietta Georgia 30066

Greystone Estates Of Milton Georgia

Highland Manor Community In Milton Georgia

Nettlebrook Farms Milton/Alpharetta Ga. Community

BUYERS only

Alpharetta GA New Construction Real Estate Market

You cannot drive around the City of Alpharetta in North Fulton Georgia, and not see Alpharetta GA new construction being built on a corner or a cleared lot for a new townhome or estate home community. Even though it is only February, I wanted to check our Georgia MLS (Multiple Listing Service) to see what builders were up to this year 2018 so far. Below is a resource of communities and their builders that are currently building, at time of post, in Alpharetta Georgia.

New Homes And Townhomes ALpharetta GA

Building In Alpharetta 2018 – Alpharetta GA New Construction Currently For Sale – VISIT

If you would like more information on new construction real estate in the City of Alpharetta, or any other North Atlanta GA City, simply contact us through our RE/MAX real estate website at www.NorthAtlantaHomeTeam.com.

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Why You Need To Pick The Right Real Estate Agent…FOR YOU!

The real estate business can be a harsh reality. From endless days with your house on the market to losing your dream home to another buyer, there are a million and one things that can go wrong. For these reasons, it is exceptionally important that you have representation that has your best interest in mind, and is experienced enough to handle the pressure of anything thrown their way. Believe me, the last thing you want in an agent is a weak negotiator, whether you are purchasing or selling.

Remax Realtor Alpharetta Deborah Weiner
First things first, you need to choose an agent who does not do this as a hobby or part-time gig. They will only leave you feeling disappointed and angry. Full-time agents are devoted to this career and know all the in’s and out’s of the business. While the rest of the real estate world only closes on an average of 4 properties a year, RE/MAX agents close on over 16 listings and generate a little over $115,000 in annual commission sales. Also, those in the RE/MAX business typically have around 15 years of experience in real estate, which leads to happier and more satisfied customers.

Visit Our Office Listings Currently For Sale

Not only should your agent have experience in the industry and prime negotiating skills, they should also be constantly aware of what is going on in the market. As we all know, the real estate market can change on the dime, so agents need to be as educated as possible and quick on their feet. Remember, knowledge really is power!

Read Some Recent Testimonials About Us

Finally, marketing is a huge factor in this business. For sellers, you need to see how this agent is going to present and showcase your property to potential buyers. Do they have any materials they specially do for listings, like flyers or brochures? Will they post on social media? Will they refer their other buying clients to your property? How will they choose to stage your house and will they be honest with you about its current value? These are all extremely important points and it is wise to go over them before signing on with a specific real estate agent.

Visit Our Resource Page On
How We Market A Home For Sale

Remember, the North Atlanta Home Team will be able to provide all these for you and will always keep your best interest in mind.

We would love to help you find your dream home!

 

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Pre-Qualified Versus / Pre-Approved, When Purchasing A Home In North Atlanta

 Getting Pre Approved For A Home LoanLooking for a home without being pre-approved?

As a potential buyer putting an offer in on a property, you’ll have a better chance of getting your offer accepted by being as prepared as possible.

The benefits of being pre-qualified and/or pre-approved can be easily understood when viewed from the seller’s perspective. Imagine you’re a seller in receipt of 2 offers to purchase your property. A complete stranger (buyer) is asking you to take your property off the market for at least the next two to three weeks while they apply for a loan.

As the seller, lets consider the type of buyer you’d prefer to deal with:

1-Neither pre-qualified nor pre-approved – This buyer provides no evidence that they can afford to purchase your property. You may wonder how serious they are since they’re not at least pre-qualified.

2-Pre-qualified – This buyer has met with a mortgage broker (or lender) and discussed their situation. The buyer has informed the broker regarding their income, expenses, assets and liabilities. The broker may also have seen their credit report. The buyer provided you with a letter from the broker stating an opinion of what the buyer can afford.

Getting The Ok On A Pre Approval Loan3-Pre-approved – This buyer has provided a broker written evidence of income, expenses, assets, liabilities and credit. A lender has verified all information. As a result, much of the paperwork for this buyer’s loan has been completed. This buyer will probably be able to close quickly. They provide you with a letter (pre-approval certificate) from the lender. You’re as certain as possible that this buyer can close.

As a potential buyer, you can see that being pre-approved will give you the best chance of getting your offer accepted. This is critical in a competitive situation. As a buyer, you never want to lose “The One” simply due to the fact, ducks were not in a row.

Feel free to Contact me, Deborah Weiner with RE/MAX ON MAIN, Contact Us for contact information in assisting you in getting pre-qualified and enjoying “Your Journey To Home”!

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Milton High And Cambridge High School Attendance Zone Update

As a Remax Real Estate agent, I am often ask by buyers and sellers, is this home for sale in the Milton High ( 13025 Birmingham Hwy, Milton, GA 30004 ) or Cambridge High ( 2845 Bethany Bend, Milton, GA 30004 ) District or if I list my home,

“What Milton High School District

Is My Home Located In?”

I also would like to provide you with a resource to check out the current real estate for sale in both of the school districts.

Real Estate And Homes For Sale In Milton High

Real Estate And Homes For Sale In Cambridge High

Cambridge High School Attendance Zone 2014I decided to post the 2013-2014 School Attendance Zone Maps to clear this up. It has been recently updated since the newer school Cambridge, was completed in August 2012. At time of post, this is the accurate information for you to see where the boundary lines are and what Milton and Alpharetta subdivisions lie within. By the way, the 2 photos are able to be downloaded for printing.

Milton High School Attendance Zone Map 2014If you have any real estate related questions about neighborhoods or more, simply let us know. We are here to help and look forward to speaking with you.

 

 

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Buyers Brokerage Agreement-Shopping For A Real Estate Agent

The Truth About Buyers Brokerage Agreements

When you find yourself interested in buying real estate in North Atlanta GA, your first step should be in finding a buyers Real Estate agent that will represent your interest throughout the whole process through to the closing table. A website is an important step in finding a buyers agent. Surfing a real estate website should be very user friendly and also responsive to contacting the agent with any questions as well.

North Atlanta Remax RealtorWhen buying property, it is in your best interest to select a Realtor who will enter into a buyer brokerage agreement with you. This means the Realtor must represent your interests in all instances and negotiate on your behalf.

A buyer representative can help advise you in writing the contract and selecting an appropriate price to begin negotiations, evaluating the properties you view, and should be more than willing to do a market study of the property to determine its value in the market place. Assess Your Personal Comfort Level Probably the most important thing you need to consider when selecting a Realtor is how comfortable you feel with that individual and if he or she seems to have a quick grasp of your needs. It is imperative that you work with a Realtor who listens to what you say and responds accordingly.

Our user friendly Remax Georgia Real Estate website at
www.NorthAtlantaHomeTeam.com
updates every hour with new listings for sale in North Atlanta GA. From Just Listed, Foreclosures and real estate by neighborhoods,
you are sure to find something that catches our eye.

Here is an example of our Tools At Your Fingertips

Remax Buyers Agent North Atlanta GAThe Realtor who you are working with can save you time by selecting properties that meet your criteria. It is not necessary to view every property on the market in a given price range. Many properties can be ruled out by evaluating the individual property characteristics and amenities as they relate to your specific needs. A good Realtor will navigate you through this process easily.

Simply give us a call or email when you feel you are ready to take a look at homes for sale or simply want some more information on a
property that has caught your eye.

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What Is Pre-Approval And Why Is It An Important Place For The Buyer To Begin

Pre-approval allows a lender to get a high level picture of your financial world. The loan application is the starting point. There should NEVER be any cost or obligation to apply with a lender! If a lender is trying to charge you ANYTHING to apply…find another lender!

The loan application covers everything from income to assets as well as past credit history. Loan application allows the lender to pull your credit. Banks today look to meet 3 criteria…

1. Income: is income at a sufficient level to qualify for the loan?
2. Assets: do you have the required assets to purchase a home?
3. Credit: do your scores meet minimum guidelines?

The Pre-Approval Process In GA

You must meet all 3 in today’s environment to qualify for a loan. The loan application covers all 3 items. The pre-approval makes the presumption that data provided by you is accurate. This means that we presume your income, etc is what you state on the loan application. Typically income and assets are verified AFTER pre-approval as confirmation of the information you supplied on the loan application. If you are self employed OR in sales (commissioned income) the pre-approval may require tax returns up front so that income can be confirmed. This is because often times self employed and sales people take massive tax deductions which effectively lowers their adjusted gross income.

A loan application typically takes 5-10 minutes to complete. Pre-approval typically takes less than 1 business day. More often than not the process can be completed within a few hours. IE if you send in the completed application at noon…we’ll typically have you pre-approved same business day. Once pre-approved lenders will typically ask for you to start sending in data; tax returns, W2, bank statements, etc. A question we often get is: “should we pull my credit now even though I haven’t looked at homes yet?” The answer…YES! You want a lender to look at your credit well in advance of buying.

Credit reports are notorious for having errors on them. If something turns up that you weren’t aware of, now we have plenty of time to correct it. If you wait until you sign a 30 day contract you may be in for some big surprises. Trying to correct credit issues quickly is tough to do especially if you will need a credit re-score. You can also have multiple lenders pull credit within a few weeks of each other. What you DO NOT want to do is apply with different lenders every 30-45 days over the course of 4+ months. That can damage your credit scores potentially.

The bottom line is a pre-approval should be free and with no obligation to the lender. It should also be quick and painless. Pre-approval is important as it will help you understand what you qualify to buy, options that exist, and the terms associated with the payments.

Feel free to contact:
Max A Kallos
Lic. # 170267, NMLS# 156311 404-277-5884 phone
678-298-8947 fax
Contact Max Kallos

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First Time Home Buyer Mortgage Info.

North Atlanta GA FIrst Time Home Buyer
First time home buyer?
Some things you should know and consider before making one of the biggest investments and decisions in your life!

Credit scores are a big factor in getting a home mortgage today. We advise clients to be above 640 before aggressively looking for a home. Why 640? 640 is the lowest score most banks offer Before major increases to mortgage interest rates and most banks won’t lend under 640.
You want to wait until you get to 640 before applying.

Banks use your middle score. So your high score and low score are “thrown out” and the middle score is the score used to price your loan and qualify you.

How to Improve Scores? In general you want to have no more than 1-2 credit cards. You should never charge more than 50% of the total allowable spending limit at any time. So if your total limit is $10,000 on a credit card, never spend more than $5,000 on it and make sure you pay it down each month.

White Pickett Fence Home

Everyone wants the white picket fence home. There are a lot of details to discuss, so simply give us a call or check out
our website page at www.NorthAtlantaMortgage.com for more info.

Until then, check out the current rates as of 6.19.13.

Rates are still great and we’re closing purchase loans in under 30 days no sweat!!!

30 year fixed: 3.875%
15 year fixed: 2.875%
30 year FHA/VA: 3.25%
30 year JUMBO to $1,000,000: 4.375%

Contact Liberty Home Mortages LLC For More Info.
[email protected]
404-277-5884

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Office Location: RE/MAX ON MAIN - 301 N Main Street - Alpharetta GA 30009 - North Atlanta Home Team LLC- 678-540-4000 Deborah Weiner 678-628-8865- Each Office Independently Owned and Operated.