AtlRealtor

07/04/2024

10/20/2022

When you are ready to sell your house I am ready to help…

10/14/2022

Friday Five! 🖐️

Every open house tour provides the opportunity for you, the potential buyer, to get answers to some of the most important questions! Does the home have potential or is it a flop? Be prepared and get some insight by asking these 5 questions! 💬

Are you thinking about exploring some open houses this weekend? Contact me for a list of open houses and let's shop! 🛒

09/11/2022

Today, we honor and remember all whose lives were lost and the families and heroes whose lives were forever changed by September 11th. 💙🇺🇸

09/10/2022

Pick one! ☝️

Which plant is most likely to be found in your living room? 🌱

A. Fiddle leaf
B. Monstera
C. Pothos
D. Succulent
E. Bird of paradise
F. Faux plant

Comment below! 👇

09/09/2022

Friday Five: Seller Tips! 🖐

Keep the inspection report short with this pre-inspection checklist. ✅

Thinking about listing? Call or message for advice on how to prepare your home! 📲

09/08/2022

Do you know anyone that is looking for real estate advice❓

I'm always happy to help! 😀

If anyone comes to mind, please send them my way. 📲

09/07/2022

🔄 Weekly home refresh! 🔄

We're halfway through the week which makes it a great time for a quick home refresh!

Whether you have kids at home or you're looking for an inspiring place to further your own education, an organized study station can help boost creativity and focus.

Swipe to get started! 👉

09/06/2022

👀 What do mortgage lenders look for? 👀

1. Creditworthiness: including history and score 💯
2. Financials: including income and assets 💰
3. Ability to repay (debt-to-income ratio) 📊
4. Loan-to-value ratio 🏠

Getting pre-approved and pre-qualified for a mortgage should be your first step in the home-buying process. Home sellers want to know that a buyer is serious and well-qualified before reviewing an offer! A pre-qualification letter and proof of funds are usually required when submitting a purchase offer.

Before a lender will pre-qualify a borrower for a mortgage, they look at several factors, including the borrower's employment history, income and creditworthiness. Lenders are looking for a strong employment history, proof of income and a good credit score. Before applying for a mortgage, make sure to have the appropriate documents ready! 📁

With financial documents in hand, the mortgage lender will determine the borrower's debt-to-income (DTI) ratio. DTI ratio is the amount of monthly debt payments to monthly income. A DTI ratio will determine what kind of monthly payment the borrower can afford and how much they can borrow.

But mortgage lenders don’t stop there! Once a home is found and a purchase offer is accepted, the lender will order an appraisal of the property. This helps determine the loan-to-value ratio. A mortgage lender needs to verify that the property is worth the amount they are willing to lend. If an appraisal determines that the property is not worth the loan amount, the purchase contract may need to be renegotiated.

Ready to get started with purchasing your own home? Call or message to learn how to take the next step! 📲

09/05/2022

Happy Labor Day! ☀️

Labor Day often marks the wind down of Summer, but before we say goodbye to the season, we get one last long weekend to celebrate! 🎉

How have you been spending your long weekend?

Share below! 👇