Realtor Dean

03/03/2025

Thinking about buying a home? Here’s a quick comparison of FHA and Conventional loans based on today’s interest rates and the median home price in Atlanta ($388,167):

FHA Loan:
✅ Interest Rate: ~5.75%
✅ Down Payment: 3.5% ($13,586)
✅ Loan Amount: $374,581
✅ Estimated Monthly Payment: ~$2,187 (excluding taxes & insurance)

Conventional Loan:
✅ Interest Rate: ~6.625%
✅ Down Payment: 20% ($77,633)
✅ Loan Amount: $310,534
✅ Estimated Monthly Payment: ~$1,990 (excluding taxes & insurance)

Key Takeaways:
➡️ FHA loans require a lower down payment but include mortgage insurance.
➡️ Conventional loans typically have higher down payments but lower monthly costs over time.
➡️ Interest rates and loan terms vary based on credit score and financial history.

I’m not a lender, just providing a visual to help you see the numbers! Always consult with a mortgage professional to find the best option for you.



Realtor Dean
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Realtor Dean & Co.®️
📞 (706) 461- 4994
📧 [email protected]
💻www.realtordeankeyaddresser.com
📍Kinley Realty Co
Luxury Experience
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01/31/2025

Buyer: “Can I quit my job, buy a new car, max out my credit cards, and open a bunch of new accounts while buying a house?”

Me: “Sure… if you also want your loan denied!” 😂🏡🚫

Underwriters are watching! 👀 To keep your approval on track:

❌ No big purchases
❌ No new credit accounts
❌ No quitting your job (seriously, don’t!)



—————————————
Realtor Dean & Co.®️
📞 (706) 461- 4994
📧 [email protected]
💻www.realtordeankeyaddresser.com
📍Kinley Realty Co
Luxury Experience
—————————————

https://calendly.com/deankiuana/30min

Want a smooth closing? Let’s do things the right way! Message me before making any big moves. 📩

01/15/2025

11/22/2024

😱I know many people have reached out to me inquiring about private owner rentals, so here you have it 🔥

💥SHARE SHARE SHARE SHARE SHARE💥

This is a 2-story, all electric duplex unit on a large, private lot. Fresh paint throughout. Easy care luxury vinyl flooring and vinyl are in the living room and kitchen. The two bedrooms and bathroom are upstairs. The bedrooms, stairs and hallway are carpeted; in Unit A and Unit B is hardwood totally renovated! the bathroom is newly updated. The eat-in kitchen has plenty of cabinet space with oven, refrigerator, D/W and W/D included. Central heat and air. Backyard is separated from the adjoining unit by a partial fence for privacy. Yard maintenance and trash are paid by the landlord. From this duplex it is easy to reach downtown Athens in just minutes and it is close to State 10 Loop.

Small dog and/or cat welcomed with pet fee added to the rent. $250

* PICTURES FOR UNIT B ARENT AVAILABLE BECAUSE ITS BEING COMPLETELY RENOVATED*
🏡

SIDE A & B

📐 Size: [2 Bedroom 1 Bath 🛁 Renovated ]
💲 Monthly Rent: [$1,250 A] [$1,400 B]
📅 Available From: [NOW]

Property Features

• [Spacious living room with natural light]
• [Modern kitchen with upgrades ]
• [Washer and dryer included]
• [Private backyard]

Requirements

• Security Deposit: [First months rent]
• Lease Terms: [12 months]
• Renters History Required
• Background/credit check required 620.
• Application Fee $35 per adult *18yr older*



Realtor Dean
—————————————
Realtor Dean & Co.®️
📞 (706) 461- 4994
📧 [email protected]
💻www.realtordeankeyaddresser.com
📍Kinley Realty Co
Luxury Experience
—————————————

11/06/2024

The best feeling is spending the Holidays together with friends and family🍁🍂 Even better in your own home 🏠 A great gift of knowing interest rates has come down🍂😊

As of November 2024, U.S. mortgage interest rates are becoming stable with the momentum of going down, due to recent Federal Reserve policies targeting at supporting economic cooling and easing inflation. The Federal Reserve is anticipated to announce an additional rate cut, which could lower borrowing costs slightly for future homeowners.

Currently, the average rate for a 30-year fixed mortgage has decreased to around 6.2%,🥳with projections suggesting a further slight decline into early next year, possibly reaching closer to 5.5% by 2025.

Take a moment to explore your options. Your dream home could be just around the corner, ready for the holidays and all the moments to come. This opportunity to secure a new home and a brighter future could be within reach. 🎁

Don’t worry take out time to talk with me 🧡

https://calendly.com/deankiuana/30min

—————————————
Realtor Dean & Co.®️
📞 (706) 461- 4994
📧 [email protected]
💻www.realtordeankeyaddresser.com
📍Kinley Realty Co
Luxury Experience
—————————————