Debra Colbert, Realtor

10/24/2023

t4constructioncompany.com
https://youtu.be/r_FTfvykya0

New Custom Luxury Estate in guard gated Vintage Valley. The 6817 square foot estate sits on a half-acre+ corner lot with 5 bedrooms, 6 bathrooms, 3 car garag...

01/01/2023

Here’s to 365 new chances, 12 new chapters, and endless adventures in 2023. 🥂🎉🎈🏡

✨In 2023, I will empower others to make a positive change in their lives

✨I will help first-time buyers finally find their dream home and help sellers reach their goals

✨I will help my clients start over and create second chances, starting with their new home

Drop your New Year’s resolutions in the comments below. ⬇

Debra Colbert
Realtor ®
Keller Williams North Atlanta
📞 o: 770.663.7291
c: 678.886.0534
✉️[email protected]
📍5780 Windward Parkway, Suite 100 Alpharetta, GA 30005




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09/21/2022

What does your dream home look like and what do you need to do to make that dream a reality? Let me help you so you can soon be saying yes to the address!

Debra Colbert
Realtor ®
Keller Williams North Atlanta
📞 o: 770.663.7291
c: 678.886.0534
✉️[email protected]
📍5780 Windward Parkway, Suite 100 Alpharetta, GA 30005




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09/20/2022

You know your home better than anyone else — upgrades you’ve made, how well it’s been maintained, etc. So, don’t just take an appraisal at face value. Especially if you know your home is worth more.

If you think the appraisal you received on your home is too low, challenge it!

Here are 9️⃣ steps you can take to appeal it.

🔸 Request a copy of the appraisal report, otherwise, you won’t have access to it.
🔸 Check every detail, there could be very obvious mistakes that the appraiser unintentionally made but didn’t thoroughly check through.
🔸Contact your lender and request a value appeal, but make sure you can substantiate any claim with evidence.
🔸 Provide updated comps, especially if home prices in your neighborhood are increasing rapidly.
🔸 Make sure there are no missing permits: If you’ve made additions or improvements to your home and didn’t get building permits you might have an issue with its value because an appraiser cannot consider the improvements in the appraisal if they’re not permitted.
🔸 Make upgrades and improvements clearly known to the appraiser.
🔸 Have your agent meet with the appraiser to help communicate the supporting data, such as comps and improvements.
🔸Appeal an appraiser who doesn’t know the area.
🔸 Get a second opinion but be aware that a buyer’s lender might not accept your appraisal because they typically use appraisers they trust and have worked with before.

09/19/2022

False ❌, you may still qualify!

You don’t need to be 100% debt-free to buy a home or qualify for a mortgage. There are certain things that lenders will look at though, one of the most important being your current debt and how it compares to your income.

When calculating your debt-to-income ratio based on your recurring monthly payments, your student loans will be included as part of your monthly expenses, however, you only need to include your minimum required monthly payment.

Lenders like to see a debt-to-income ratio of 50% or less, so if your student loans are or other monthly expenses are contributing too much, focus on paying them down before you consider buying a home. If you’re still set on buying a home, there are other steps you can take to improve your chances of qualifying for a mortgage.

✔️ Consider loan types other than a conventional loan if your DTI ratio is too high|
✔️Pay off another debt to eliminate recurring expenses and free up cash flow
✔️ Increase your income with a side hustle to help lower your DTI ratio

Have questions? Let’s chat!

09/17/2022

Did You Know❓Over the past year, the average homeowner gained $55,300 in EQUITY!

👉 What is equity?

Simply put, equity is the amount of money – or percentage of ownership – you have in your property.

👉 How does equity lead to financial gains?

When the value of your home rises, your amount of home equity does, too!

Have a question about real estate? Let’s chat! 💬

Debra Colbert
Realtor ®
Keller Williams North Atlanta
📞 o: 770.663.7291
c: 678.886.0534
✉️[email protected]
📍5780 Windward Parkway, Suite 100 Alpharetta, GA 30005




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09/16/2022

Home is where the ❤️ is… Because it’s where YOU are! 💁‍♀️

Whether you’re relaxing, working, cooking, or bonding with your loved ones, home is where you spend most of your time 🏡

With that said….Which room do you spend the most time in? 💬

A. Kitchen 🍴
B. Living Room 🛋
C. Bedroom 😴

Let us know below!

09/15/2022

Hey there, listen up! 🗣👂🏽Today we're sharing one of our homebuying secrets…

If you love a home, just get the offer in. You never know how many other buyers you’re going up against, so the sooner you put in your offer, the better your chances of it being accepted. Especially if the seller is ready to sell ASAP.

Hit save to keep this one in your arsenal and keep an eye out for more tips of the trade! 💡

09/14/2022

Let’s discuss another home-selling myth you need to stop believing:

❌ MYTH: Set a high asking price to allow room for negotiation

✔️ FACT: Contrary to what you may believe, this can actually drive buyers away because if your home is priced too high, buyers won’t bother even looking — especially considering comparable homes that are priced right.

If the demand is there, the price will naturally work its way up. Work with your agent to set a reasonable listing price to ensure you attract the right kinds of buyers and offers.

DM me and let’s chat more about what to do and what not to do when selling your home.

Debra Colbert
Realtor ®
Keller Williams North Atlanta
📞 o: 770.663.7291
c: 678.886.0534
✉️[email protected]
📍5780 Windward Parkway, Suite 100 Alpharetta, GA 30005




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09/13/2022

Escrow companies will charge service fees for managing your closing process. However, buyers should closely examine the itemized list of charges in case there is room to negotiate a lower cost or eliminate any line items. Look out for ‘junk fees,’ such as administrative fees, review fees, email, or processing fees, which are often negotiable.

09/12/2022

Mondays can feel like such a drag sometimes, as they mark the end of the weekend and the beginning of a new work week, but it all comes down to perspective.

Instead of looking at it negatively, look at the beginning of a new week in a positive light; a new opportunity to achieve your goals, make new memories, or to learn something new 😉

What’s motivating you this Monday?

09/10/2022

Renting a home is great for independent, single individuals, or couples looking to experience sharing space, and of course newlyweds.
When you choose to rent a home you are empowered with the freedom to move around quickly from place to place, depending on your lease agreement. Home renters are not burned by the time and costs associated with maintenance, rather they inform their landlord and ensure that the repairs and requests are completed.

Renting, however, may not be cheaper than owning a home if you consider tax benefits, building equity, and no monthly payments over time.

Would you rather rent or buy