Evaluate your financial situtation as the lenders do. Typically, your total monthly housing costs (PITI) should not exceed 28 percent of your gross monthly income, and your total "expenses" each month should not exceed 36% of your gross income.
Your Agent is also instrumental in finding the perfect property, preparing the proper contracts, and negotiating the right price and terms of your sale. Pamela Addison will do the work so that you won't have to!
First time Home Buying? No Problem! Pamela Addison will educate you and walk you through the entire home buying process. Click here for an informative presentation! (Then enlarge the browser window and click topics at left to watch and listen.)
Steps to buying a home:
1. Save your money!
There are not many institutions that will provide 100% financing without a credit score that is over 700. Get prepared to show your lender that you have downpayment funds. This is a real plus!
2. Pull your FREE Credit Report
Pamela Addison will show you how to pull your Free credit report from all three credit bureaus. It is important for you to see your history before anyone else does. This way, you can begin to take steps to clean up items on your report that do not belong there. Let Pamela Addison show you how.
3. Contact Pamela Addison, REALTOR at Janet Whitfield Realty (770)355-4544
4. Discuss your home needs with Pamela Tell me what kind of home you desire and what area you area you would like to live in. Also tell me what you think you can afford to pay in mortgage payments. This helps me to narrow the search and "pinpoint" the home of your dreams quickly.
5. Contact your Lender
Once you have had your private consultation with Pamela, she will provide you with a list of reputable lenders who are ready, willing, and capable to provide you with funds to purchase a home. Pamela and your Lender will work together to get you in position to buy your desired property.
6. View homes with Pamela
Pamela obtains information about neighborhoods and homes to help you make the best decisions for yourself and family.
7. Making an Offer on a Property
Pamela is an expert in contract negotiation. I will negotiate the terms of the sale and get you the best price under the best conditions.
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