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My Bio
I have been a licensed Broker since 2009. I have sold millions of dollars in real estate working for builders and myself. I just opened my own real estate company called The Buyer Agency, where helping clients is our number one priority.
My passion is helping my clients purchase or sell their home. I enjoy my career, and I love what I do. I work in New Construction, Existing Homes, Foreclosures, HUD Homes, Investor Home including with or without tenants.
I love meeting people and helping their dreams come true. I am with you from the contract to we close on your home. You can call me day or night!. I look forward to this Journey with you
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You Must Speak with a lender to get preapproved. It's Important to know and understand, your credit. It's important to establish a approval amount, so you know what you can purchase and should be searching for.
Georgia has down payment assistance programs available. They do require a middle score of 640 and above. They will look at your monthly income, and debt.
The Loan programs are fha, va, conventional, and usda.
It allows you to purchase a home outside the city limits for 100% financing. The address must be a approved USDA eligible area, credit, income and debt is considered.
A VA loan is offered to military, veterans only at 100% financing.
A down payment on a fha loan, is 3.5% down based on the purchase price.
Mortgage Insurance is a insurance that protects the bank in the event of a default by the purchaser. You are required to have mortgage insurance on a fha for the life of loan. You can refinance to a conventional loan to remove mortgage insurance, once you obtain 78-80% value.
The down payment on a conventional loan is 3, 5, 10 or 20 percent down. It depends on the program, and other factors. If you put down 20 percent you are not having to pay private mortgage insurance. If you put down less, you will have private mortgage insurance, but it can be removed once you reach 80% or below.
Yes a Gift can be allowed. It must be documented, that the gift is not required to be paid by. The giver, will be required to provide documentation.
Yes. You can purchase a manufactured home, new or previous owner.
Yes. You have the 203k loan, as well as other renovation loans available to you. This will allow you to purchase the home, and receive money for repairs at the same time. This is based on a Appraisal, after repairs have been completed value to determine the amount of money that is needed.
Yes. You can purchase a 2-4 unit building and use a fha loan and put down only 3.5% of the purchase price. If your purchase anything larger 5+ building you must utilize a conventional loan as investment property and the down payment can vary.