Valdosta GA Real Estate Blog by  The Plyler Team at EXIT Realty in Touch

160 Bambi Drive

Valdosta GA Real Estate - EXIT Realty In Touch, Valdosta, Georgia is a full service real estate office.  Whether you are buying or selling a home, seeking a property management company or a home to rent, we offer concierge service from our sales office and rental office. We utilize the latest in technological advances to make your experience as user friendly as possible. Our Realtors strive to be the best in their fields.  Every member of the EXIT Realty In Touch team is a licensed Realtor, literally ½ of the Realtors are Associate Brokers, we have Realtors who have earned their CDP, REO, ABR, Relocation Specialist, First Time Home Buyer and other designations.  Our agents sell 45% more per agent than any other agency in the Valdosta area! For personalized hands on solutions for all your real estate needs call 229-333-5105 for sales and 229-333-0768 for rentals.

The information contained in our website is believed to be reliable but is not guaranteed. We make every effort to maintain this website to have current, accurate information. However, we cannot warrant the accuracy of the information contained in our EXIT Realty In Touch website. This includes, but is not limited to, information contained in our website and information contained in websites that are linked to our website.

 

Our agents sell 45% more per agent than any other agency in the Valdosta area!

Monday Morning Wake Up Call - Cut The Cord

Tired of paying top dollar for all of the channels you could possibly get? Let's face it, most people are distracted half the time they are watching TV by their cell phones. Also, have you really ever watched all of the channels you pay for? This article gives us the answer to saving over $1,000 a month and giving us so much more to do than just watch TV on the screen. 

Click here to read the full article.

 

Valdosta GA Real Estate - EXIT Realty In Touch, Valdosta, Georgia is a full service real estate office.  Whether you are buying or selling a home, seeking a property management company or a home to rent, we offer concierge service from our sales office and rental office. We utilize the latest in technological advances to make your experience as user friendly as possible. Our Realtors strive to be the best in their fields.  Every member of the EXIT Realty In Touch team is a licensed Realtor, literally ½ of the Realtors are Associate Brokers, we have Realtors who have earned their CDP, REO, ABR, Relocation Specialist, First Time Home Buyer and other designations.  Our agents sell 45% more per agent than any other agency in the Valdosta area! For personalized hands on solutions for all your real estate needs call 229-333-5105 for sales and 229-333-0768 for rentals.

The information contained in our website is believed to be reliable but is not guaranteed. We make every effort to maintain this website to have current, accurate information. However, we cannot warrant the accuracy of the information contained in our EXIT Realty In Touch website. This includes, but is not limited to, information contained in our website and information contained in websites that are linked to our website.

 

 

 

 

 

Our agents sell 45% more per agent than any other agency in the Valdosta area!

 

Top 4 Tips to Building a Custom Home

There are 4 very important rules when building a custom home. This site gives us all the information we need to make it work. They first tell us that we need to think about the location. Where do you want to build and would that land or neighborhood be appropriate for the home that you want? Such as size, color, and style of home. Hiring the right people to do the right work is our next step. If you are on a budget you may be able to find one company that is sort of a "do it all" or if you have a little more room for spending I would recommend finding professionals that specialize in those areas.  Even though you will change your mind a million times, have some type of plan. Decide on a look that you really like and try not to stray to far from this idea, this can cause you to become very overwhelmed. Like I said you will change your mind a million times and everything else will change as you go. If you keep these 4 tips in mind I don't think you will have much of a problem building your dream home. 

 

 

Valdosta GA Real Estate - EXIT Realty In Touch, Valdosta, Georgia is a full service real estate office.  Whether you are buying or selling a home, seeking a property management company or a home to rent, we offer concierge service from our sales office and rental office. We utilize the latest in technological advances to make your experience as user friendly as possible. Our Realtors strive to be the best in their fields.  Every member of the EXIT Realty In Touch team is a licensed Realtor, literally ½ of the Realtors are Associate Brokers, we have Realtors who have earned their CDP, REO, ABR, Relocation Specialist, First Time Home Buyer and other designations.  Our agents sell 45% more per agent than any other agency in the Valdosta area! For personalized hands on solutions for all your real estate needs call 229-333-5105 for sales and 229-333-0768 for rentals.

The information contained in our website is believed to be reliable but is not guaranteed. We make every effort to maintain this website to have current, accurate information. However, we cannot warrant the accuracy of the information contained in our EXIT Realty In Touch website. This includes, but is not limited to, information contained in our website and information contained in websites that are linked to our website.

Our agents sell 45% more per agent than any other agency in the Valdosta area!

 

Monday Morning Wake Up Call

Don't things seem to be much different from when our parents were growing up or do things so much differently than us millennials? Check out this article for 7 awesome home buying tips that could make or break your first home purchase. 

Click picture for full article 

601 Barnside Lane

Valdosta GA Real Estate - EXIT Realty In Touch, Valdosta, Georgia is a full service real estate office.  Whether you are buying or selling a home, seeking a property management company or a home to rent, we offer concierge service from our sales office and rental office. We utilize the latest in technological advances to make your experience as user friendly as possible. Our Realtors strive to be the best in their fields.  Every member of the EXIT Realty In Touch team is a licensed Realtor, literally ½ of the Realtors are Associate Brokers, we have Realtors who have earned their CDP, REO, ABR, Relocation Specialist, First Time Home Buyer and other designations.  Our agents sell 45% more per agent than any other agency in the Valdosta area! For personalized hands on solutions for all your real estate needs call 229-333-5105 for sales and 229-333-0768 for rentals.

The information contained in our website is believed to be reliable but is not guaranteed. We make every effort to maintain this website to have current, accurate information. However, we cannot warrant the accuracy of the information contained in our EXIT Realty In Touch website. This includes, but is not limited to, information contained in our website and information contained in websites that are linked to our website.

Our agents sell 45% more per agent than any other agency in the Valdosta area!

DIY Tip of the Week

With the cool air and the beautiful fall leaves falling, what sounds better than an outdoor kitchen? For guest entertainment or just a family bonding night, outdoor living spaces can really make your home feel like a permanent vacation. Some of the DIY's I looked at had not only a place for your grill but to also have an entire kitchen. Wouldn't it be so nice to have a television, and fire pit to enjoy as well? Check out these cool backyard entertainment designs. Not to mention this can add $$$$ to your house value! 

 

Monday Morning Wake Up Call

And this is the most expensive wake up call yet! The world's most expensive home is on the market. Are you the putting down the next offer? You could not only feel like a celebrity in this 15.3 billion dollar house, but your neighbors would be celebrities too. 

Right click photo for full article! 

Valdosta GA Real Estate - EXIT Realty In Touch, Valdosta, Georgia is a full service real estate office.  Whether you are buying or selling a home, seeking a property management company or a home to rent, we offer concierge service from our sales office and rental office. We utilize the latest in technological advances to make your experience as user friendly as possible. Our Realtors strive to be the best in their fields.  Every member of the EXIT Realty In Touch team is a licensed Realtor, literally ½ of the Realtors are Associate Brokers, we have Realtors who have earned their CDP, REO, ABR, Relocation Specialist, First Time Home Buyer and other designations.  Our agents sell 45% more per agent than any other agency in the Valdosta area! For personalized hands on solutions for all your real estate needs call 229-333-5105 for sales and 229-333-0768 for rentals.

The information contained in our website is believed to be reliable but is not guaranteed. We make every effort to maintain this website to have current, accurate information. However, we cannot warrant the accuracy of the information contained in our EXIT Realty In Touch website. This includes, but is not limited to, information contained in our website and information contained in websites that are linked to our website.

Our agents sell 45% more per agent than any other agency in the Valdosta area!

3361 Nottinghill Lane

Valdosta GA Real Estate - EXIT Realty In Touch, Valdosta, Georgia is a full service real estate office.  Whether you are buying or selling a home, seeking a property management company or a home to rent, we offer concierge service from our sales office and rental office. We utilize the latest in technological advances to make your experience as user friendly as possible. Our Realtors strive to be the best in their fields.  Every member of the EXIT Realty In Touch team is a licensed Realtor, literally ½ of the Realtors are Associate Brokers, we have Realtors who have earned their CDP, REO, ABR, Relocation Specialist, First Time Home Buyer and other designations.  Our agents sell 45% more per agent than any other agency in the Valdosta area! For personalized hands on solutions for all your real estate needs call 229-333-5105 for sales and 229-333-0768 for rentals.

The information contained in our website is believed to be reliable but is not guaranteed. We make every effort to maintain this website to have current, accurate information. However, we cannot warrant the accuracy of the information contained in our EXIT Realty In Touch website. This includes, but is not limited to, information contained in our website and information contained in websites that are linked to our website.

Our agents sell 45% more per agent than any other agency in the Valdosta area!

Real Estate Tip of the Week

The best thing about EXIT Realty in Touch is that we are EXPERTS at what we do! Buying a home is probably one of the biggest purchases most people make in their lifetime, not to mention this is where you will LIVE. You are supposed to love your home, well because it is yours. So when we go to sell we of course think our home is worth way more than it is, which is understandable considering that we have invested so much time, money and effort in our homes. We live here for many years and raise our families in the homes, we of course want the most we can get out of a sale. Sometimes we can tend to go over the top or listen to what everyone else has to say. You don't want to list it to high and never have any offers, and visa versa with listing it too low and not getting what you deserve. This article has some tips that can keep us on that median path to success. Please call EXIT Realty in Touch today to learn more and let us help you make the right decision for your family. 

Click HERE for full article 

Valdosta GA Real Estate - EXIT Realty In Touch, Valdosta, Georgia is a full service real estate office.  Whether you are buying or selling a home, seeking a property management company or a home to rent, we offer concierge service from our sales office and rental office. We utilize the latest in technological advances to make your experience as user friendly as possible. Our Realtors strive to be the best in their fields.  Every member of the EXIT Realty In Touch team is a licensed Realtor, literally ½ of the Realtors are Associate Brokers, we have Realtors who have earned their CDP, REO, ABR, Relocation Specialist, First Time Home Buyer and other designations.  Our agents sell 45% more per agent than any other agency in the Valdosta area! For personalized hands on solutions for all your real estate needs call 229-333-5105 for sales and 229-333-0768 for rentals.

The information contained in our website is believed to be reliable but is not guaranteed. We make every effort to maintain this website to have current, accurate information. However, we cannot warrant the accuracy of the information contained in our EXIT Realty In Touch website. This includes, but is not limited to, information contained in our website and information contained in websites that are linked to our website.

  

Our agents sell 45% more per agent than any other agency in the Valdosta area!

4110 Barrington Drive

Valdosta GA Real Estate - EXIT Realty In Touch, Valdosta, Georgia is a full service real estate office.  Whether you are buying or selling a home, seeking a property management company or a home to rent, we offer concierge service from our sales office and rental office. We utilize the latest in technological advances to make your experience as user friendly as possible. Our Realtors strive to be the best in their fields.  Every member of the EXIT Realty In Touch team is a licensed Realtor, literally ½ of the Realtors are Associate Brokers, we have Realtors who have earned their CDP, REO, ABR, Relocation Specialist, First Time Home Buyer and other designations.  Our agents sell 45% more per agent than any other agency in the Valdosta area! For personalized hands on solutions for all your real estate needs call 229-333-5105 for sales and 229-333-0768 for rentals.

The information contained in our website is believed to be reliable but is not guaranteed. We make every effort to maintain this website to have current, accurate information. However, we cannot warrant the accuracy of the information contained in our EXIT Realty In Touch website. This includes, but is not limited to, information contained in our website and information contained in websites that are linked to our website.

Our agents sell 45% more per agent than any other agency in the Valdosta area!

Community Calendar November 2017

Valdosta GA Real Estate - EXIT Realty In Touch, Valdosta, Georgia is a full service real estate office.  Whether you are buying or selling a home, seeking a property management company or a home to rent, we offer concierge service from our sales office and rental office. We utilize the latest in technological advances to make your experience as user friendly as possible. Our Realtors strive to be the best in their fields.  Every member of the EXIT Realty In Touch team is a licensed Realtor, literally ½ of the Realtors are Associate Brokers, we have Realtors who have earned their CDP, REO, ABR, Relocation Specialist, First Time Home Buyer and other designations.  Our agents sell 45% more per agent than any other agency in the Valdosta area! For personalized hands on solutions for all your real estate needs call 229-333-5105 for sales and 229-333-0768 for rentals.

The information contained in our website is believed to be reliable but is not guaranteed. We make every effort to maintain this website to have current, accurate information. However, we cannot warrant the accuracy of the information contained in our EXIT Realty In Touch website. This includes, but is not limited to, information contained in our website and information contained in websites that are linked to our website.

Our agents sell 45% more per agent than any other agency in the Valdosta area!

Monday Morning Wake Up Call or Was It...?

Haunted House? Is it a deal breaker for you? There are many famous homes in America that are known to be haunted. Some go an visit these places for fun and go as far as riding in a hearse to get there. Some find themselves exploring 1000 year old cemeteries, and did I mention they pay to do this?  In fact, according to the Haunted House Real Estate Survey realtor.com® released today, 33 percent of approximately 1,000 respondents said they are open to living in a haunted house, 25 percent might be, and 42 percent are not open to the idea. 

If you dare, click HERE to find out more... 

 

So What Did You Do This Weekend?

 

You are not seeing double!!!

 

Congratulations to Chris Russell, EXIT Realty In Touch’s newest team member, who not only Listed 2 properties but SOLD them within 10 days

So if you’re looking for results to your real estate dreams, call Chris at 229-251-6988.

 

Valdosta GA Real Estate - EXIT Realty In Touch, Valdosta, Georgia is a full service real estate office.  Whether you are buying or selling a home, seeking a property management company or a home to rent, we offer concierge service from our sales office and rental office. We utilize the latest in technological advances to make your experience as user friendly as possible. Our Realtors strive to be the best in their fields.  Every member of the EXIT Realty In Touch team is a licensed Realtor, literally ½ of the Realtors are Associate Brokers, we have Realtors who have earned their CDP, REO, ABR, Relocation Specialist, First Time Home Buyer and other designations.  Our agents sell 25% more per agent than any other agency in the Valdosta area! For personalized hands on solutions for all your real estate needs call 229-333-5105 for sales and 229-333-0768 for rentals.

10 tips for homebuyers and sellers in 2014

Homeowners enjoyed double-digit price growth in the first half of 2013, greatly exceeding experts' predictions of a year ago and even settling into pre-recession values in many markets. Though there was some softening in the second half, sellers remain in their element and are turning the screws on anxious buyers who fear further price spikes and escalating interest rates. New-construction home sales are up, previously underwater properties are in positive equity again and investors are turning their attention to "secondary markets" to find value. Economists expect house prices to rise another 4 percent to 5 percent in 2014, meaning remaining bargains will get even more sparse.

With that in mind, here are 10 tips befitting the up-market of 2014.

1. Sellers: Jump-start the process

You may be an avowed procrastinator, but if you want to sell a house this year, start planning now. The process, say sellers, always takes longer than expected. So get your home inspected now; there may be unseen major repairs to address. Declutter, clean closets and shelves, store extraneous possessions and furnishings and other stuff that might keep sellers from picturing themselves in your space. Attend an open house or two to get an idea of how to stage yours. And move along: Owners still waiting for the market to peak should beware that this real estate cycle may be shorter-lived than last.

2. Buyers: Be credit-ready

There's a lot of competition out there for homes, so tarry not. Get your credit report and start repairing any blips. If your scores are below 620 or so, a conventional loan will be a challenge. But if they're under 740, you still might not get the best rates. Many buyers get a prequalification letter from the lender, but you can one-up them with a preapproval, which comes after a more thorough evaluation of your finances. A preapproval letter shows the seller that you're good to go and can close quickly.

3. Sellers: Vet your real estate agent, then follow the agent's advice

Sellers lose time and money by hiring poorly. Interview several potential agents. You'll want a full-timer who is Web savvy and uses mobile technology, because at least 4 in 5 buyers view their homes first online. Your agent should be a proven performer in your submarket and be willing to walk you through the financial aspects of your deal. The more the agent knows about schools, commutes and other local details, the better. Once vetted, accept your agent's advice on pricing, marketing and negotiation.

4. Buyers: Adjust your negotiating expectations.

Lowball offers are off the table in this environment and could eliminate you from consideration. Respond to counteroffers quickly to keep other buyers from entering the picture; you don't want to encourage a bidding war. If one breaks out, be prepared to get fewer concessions and pay more money. And have a few other homes in mind so you can be willing to walk away if the price soars.

5. Sellers: It's your market (finally) so make the most of it.

At long last, it's a seller's market! While you're interviewing agents, be wary of those offering too-good-to-be-true price opinions because they may be trying to "buy" your listing. And don't jump at that first (seemingly) generous offer, especially if sellers are getting multiple offers. If you're getting your price and then some, give something back to the buyer in good faith, such as an early move-in date or some personal property you're not attached to. Never let the buyers' agents know what you're willing to do, though. Make them ask.

6. Buyers: Find life after foreclosure.

Have a foreclosure in recent years? Join the crowd. Though you might think you have to wait seven years to get another conventional mortgage, Fannie Mae, Freddie Mac and the Federal Housing Administration say they actually require just a three-year waiting period if the foreclosure was caused by extenuating circumstances. There are plenty of nonconforming lenders -- often called "shadow bankers" -- out there if you can endure a big down payment (around 20 percent) and above-market interest rates. Or consider a lease-purchase or lease-option where you pay the homeowner a monthly premium above your rent for the right to buy at a set price later.

7. Sellers: Hesitate to renovate.

We hear that newly renovated homes are easier sells, and that's true. So is it time to remodel that outmoded kitchen? Not if you plan to sell soon. According to remodeling surveys, the average renovation project returns only about two-thirds on investment. For example, a major bathroom remodel costing $15,000 yields about $10,000 in resale value. The same goes for a major kitchen remodel. In most cases, it would be cheaper to issue credits to buyers or drop your price a few grand. Lighter jobs like new doors are more practical and return about 85 percent. But feel free to spend a bit on paint (basic colors), curb appeal and fence replacement to enhance exteriors.

8. Buyers: Ask and you won't receive (an unpleasant surprise).

You'd be dismayed at the things sellers aren't obliged to disclose in most states, including on-premises felonies, suicide, murder or a neighboring sex offender. Don't be afraid to thoroughly question the selling party in writing before signing the contract. Some questions: Is there a cell tower, water tower, natural gas well, oil well or other non-residential construction scheduled to be built in this neighborhood (then define "neighborhood")? Is there commercial zoning on nearby vacant land? Is the yard prone to flooding? Are train whistles or other regular loud noises audible there? Did known criminal activity occur in the house? Have there been reported hauntings? Are there loud neighbors, dogs or other noise pollution? Are there registered sex offenders or other known criminals living nearby? If the selling party refuses to answer any of these questions, that's a bright red flag.

9. Sellers: Tailor your local game.

Folks who base their selling decisions on trends on cable news are often left wondering, "Why can't I sell at this price?" The truth is, all markets are different and all real estate is local, and prices can vary greatly even in adjacent subdivisions. Home prices are dictated largely by demand, land availability, foreclosures and employment. Most local real estate offices will provide market stats and at least a few recent comp sales in hopes of earning your business. Additional trend data can be found online or in local newspapers and business journals. A polite call or email to a local real estate appraiser might net more info or links to local statistics.

10. Sellers and buyers: Heed changing trends.

Pay attention to trends and react accordingly. Thinking of laying carpet? Agent surveys in the past few years show homes with hardwood floors or faux wood laminate floors are far faster sells. You still want to be in suburbia? Millennials don't. Numerous cities -- such as Austin, Texas; Portland, Ore.; and Minneapolis -- have watched this more environmentally conscious generation flock to "mixed-use" urban districts served by trendy cafes, nightclubs, bike paths, civic events and mass transit. For now, they're not buying condos, which haven't recovered like the single-family market. They're renting -- but watching the condo market ever so carefully.

http://realestate.msn.com/ten-tips-for-homebuyers-and-sellers-in-2014#1

Selecting A Listing Agent

Have you ever considered that when you list your house for sell with a Realtor, you are hiring that Realtor?  Did you interview your agent before you hired them?  Most sellers don’t know the right questions to ask an agent.  Here are 12 Steps that will help you effectively interview an agent so that you can find the right agent the first time!

 

  1. Are you a full-time agent? (Many agents have a “second” job which is not mentioned unless you directly ask this question.) How many years have you been an agent? Are you available evenings and weekends? (Many purchase agreements are written Friday night or on the weekend.) Where can you be reached? Describe your listing experience.

  2. What professional credentials do you have? Example: GRI- Graduate Realtor Institute; CRP – Certified Relocation Professional; CRS – Certified Residential Specialist.

  3. Does the company have a Relocation Department with training for the agents who work with corporate relocation homeowners? Please describe the training.

  4. What training and experience have you had with homeowners who are relocating to another city because of their job? (This is very important for a smooth transaction.)

  5. How many closed sales did you have in the last year?

  6. Are you a member of the Multiple Listing Service? What is the best way to special attention to my house in MLS? (Accent on home features, or agent or buyer incentives are examples.) Will you cooperate with other Real Estate Companies in this area on selling the home?

  7. What are the current selling conditions of the local real estate market? Slow, declining, etc. What are your projections of the market over the next six months?

  8. What programs or services do you offer that set you apart from your competition?

  9. What are the seller disclosure laws in this location? Are there any laws or customs (such as possession) that are important to know? Are inspections required? If so, please describe. What are the typical closing costs? Which items are negotiable? Will you attend the closing? Are you familiar with closing documents and procedures?

  10. Will you review the good faith closing costs estimate with me and advise me of any problems or difficulties that are pending? (This is VERY IMPORTANT to you.)

  11. Describe your marketing strategy if you list this house.

What must I, the homeowner, do to sell this house?

  1. It is very important to LISTEN to everything that the agent outlines. This information is key to your decision about a listing agent.

 

Call any one of our top agents and let us answer these questions for you.  It will be the ONLY interview you will need to do!

 

Valdosta GA Real Estate - EXIT Realty In Touch, Valdosta, Georgia is a full service real estate office.  Whether you are buying or selling a home, seeking a property management company or a home to rent, we offer concierge service from our sales office and rental office. We utilize the latest in technological advances to make your experience as user friendly as possible. Our Realtors strive to be the best in their fields.  Every member of the EXIT Realty In Touch team is a licensed Realtor, literally ½ of the Realtors are Associate Brokers, we have Realtors who have earned their CDP, REO, ABR, Relocation Specialist, First Time Home Buyer and other designations.  Our agents sell 30% more per agent than any other agency in the Valdosta area! For personalized hands on solutions for all your real estate needs call 229-333-5105 for sales and 229-333-0768 for rentals.

The information contained in our website is believed to be reliable but is not guaranteed. We make every effort to maintain this website to have current, accurate information. However, we cannot warrant the accuracy of the information contained in our EXIT Realty In Touch website. This includes, but is not limited to, information contained in our website and information contained in websites that are linked to our website.

Check Your Credit Before Buying a Home

What is a credit score?

Imagine that a friend asks to borrow money from you. Assuming you had the money to loan, you might then ask yourself, "Did he pay me back the last time he borrowed money? Did he pay me back the full amount? On time?" When you approach banks and lenders for a loan, they go through a similar analysis, but since they don't know you personally, they use your credit history to determine whether you will be a responsible borrower. Lenders learn about your credit history by looking at your credit report. You can get a free Credit Report Card that includes your free credit score right now!

Credit reports are developed by three separate credit agencies. These agencies (Equifax, Experian, and TransUnion) gather information about your credit history, and, using a formula developed by Fair Isaac Corporation (FICO), each assigns you a credit score. You will end up with three slightly different credit scores, each from one of the three agencies. Lenders typically look at your middle credit score (as opposed to the highest or the lowest), and you must provide all three of your credit scores (one from Equifax, one from Experian, and one from TransUnion), when applying for a loan.

Why are credit scores so important when buying a home?

Your credit score helps determine the rate and conditions you receive on a loan. If your credit score is high, meaning that your credit history indicates that you've paid your credit card bills on time, haven't "maxed out" your credit cards, etc., then lenders believe it's a fairly good bet that you won't have difficulty paying off your loan. They will see you as a low-risk investment and offer you a low rate on your loan with good conditions.

If your score is lower, lenders will think you're a riskier investment, and charge you (by loaning you money at a higher interest rate, often including hidden charges) to take on the perceived risk. Get your free credit score now.

How do credit scores affect you when applying for a loan?

Most lenders have a baseline credit score by which they largely make their decision to approve or deny mortgage applicants. The maximum credit score is 850 (though a score of 850 is rare, indeed. Only about 10% of applicants have a score over 800). Any score in the 700s or above is excellent and will get you a loan with the lowest interest rate. When you get into the 600s it starts getting dicey. A score of 680, for example, is still considered good, but when you get below 660, some lenders start saying, "No."

For others, 640 or 620 is the line at which you won't be considered for their better programs. Once you get into the 500s, you are a candidate only for what the industry calls subprime loans, those with interest rates that are a couple of percentage points higher than those offered to prime borrowers. Subprime loans also often come with a lot of hidden charges.

So you can see the importance of keeping a good score. It used to be okay to miss a credit card payment deadline. You might pay a $15 late fee. Big deal! But if you do this on a regular basis, it can savage your score and cost you many, many times that amount when you want to buy or refinance a home. That's the bad news.

The good news: your credit score isn't fixed in stone. If you have bad credit scores, there are ways to improve your credit health. If you find your scores are lower than you expected, you'll need to engage in credit rehab. This is different from credit repair, defined as going to an outside company that promises to cure your problems and raise your scores. There may be some good ones out there (along with some disreputable ones) but they can't do anything you can't do yourself and you shouldn't waste your time or money going to them for help.

From a financial standpoint, it is almost always better to take the time to improve your credit health, and make yourself eligible for a better interest rate, than it is to apply for a loan with a credit score that will only make you eligible for a subprime loan.

Find Out Where You Stand

You can check your credit score each month using Credit.com's free Credit Report Card. This completely free tool will break down your credit score into sections and give you a grade for each. You'll see, for example, how your payment history, debt and other factors affect your score, and you'll get recommendations for steps you may want to consider to address problems. In addition, you'll also find credit offers from lenders who may be willing to offer you credit. Checking your own credit reports and scores does not affect your credit score in any way.

http://www.credit.com/loans/mortgage-questions/check-your-credit-score-report-before-buying-home/?utm_source=MSN&utm_medium=content&utm_content=BO_1&utm_campaign=mortgage_move_faster

 

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Credit.com is a free, independent comparison service working to educate and empower consumers. It is made possible in part by sponsors and partners. This site may be compensated when a user clicks an "apply" or "order" button, or other links on the website. 

 

Valdosta GA Real Estate - EXIT Realty In Touch, Valdosta, Georgia is a full service real estate office.  Whether you are buying or selling a home, seeking a property management company or a home to rent, we offer concierge service from our sales office and rental office. We utilize the latest in technological advances to make your experience as user friendly as possible. Our Realtors strive to be the best in their fields.  Every member of the EXIT Realty In Touch team is a licensed Realtor, literally ½ of the Realtors are Associate Brokers, we have Realtors who have earned their CDP, REO, ABR, Relocation Specialist, First Time Home Buyer and other designations.  Our agents sell 30% more per agent than any other agency in the Valdosta area! For personalized hands on solutions for all your real estate needs call 229-333-5105 for sales and 229-333-0768 for rentals.

The information contained in our website is believed to be reliable but is not guaranteed. We make every effort to maintain this website to have current, accurate information. However, we cannot warrant the accuracy of the information contained in our EXIT Realty In Touch website. This includes, but is not limited to, information contained in our website and information contained in websites that are linked to our website.

5 Ways to Make Your Mortgage Move Faster

By Chris Birk of Credit.com

Good lenders try to make the mortgage process more of a sprint than a marathon. They also try to impart on prospective homebuyers how much power they have in moving that finish line.

You can generally go from contract to loan closing in 30 to 45 days, depending on the loan type, the property and a handful of other important considerations. Some purchases, especially distressed properties like a foreclosure, can stretch the timeline considerably further.

Consumers itching to speed up the mortgage process need both preparation and patience. To a degree, you're at the mercy of appraisers, home inspectors and underwriters. But there are some things you can do to help best position your loan file for maximum haste. Here's a look at five big ones.

1. Conquer your credit

Having good credit is beneficial for so many reasons. Obviously, you'll need to meet a lender's credit benchmark in order to even qualify for financing. Beyond that, you're more apt to get competitive rate and term offers with higher credit scores.

But a clean credit report can also help you move faster through the application and underwriting process. Late payments, bankruptcies and other financial hiccups can set off alarm bells.

Loan applications with blatant blemishes may trigger additional scrutiny, which often means requests for additional documentation from you. That back-and-forth process can eat into the calendar.

Knowing your credit standing can help prepare you for the mortgage approval process. To keep on top of that, it's important to pull your credit reports and credit scores. Credit.com also offers a free tool that allows you to check your score and get a summary of your credit profile on a monthly basis.

2. Find the right lender

Not all mortgages are created equal, especially more specialized products like government-backed Veteran Affairs and United States Department of Agriculture home loans. But thousands of lenders and loan officers have plenty of experience with all loan types.

The challenge is to find the right combination of experience, customer service and speed. Ask prospective lenders about their turnaround times on loan files. Are their underwriters in-house? What's the average number of days from contract to close?

Consider a company's expertise if you're seeking a VA loan, an FHA 203k loan or any other more specialized mortgage. There are no guarantees, but sometimes that experience can translate into a speedier and more streamlined process.

3. Be responsive

You'll be asked to supply information and documentation throughout the loan process. Pull together your tax returns, bank statements, employment documents and other information before you even seek loan prequalification. Having all of that information on hand at the outset can help loan officers fill gaps sooner.

Pivot as quickly as possible if additional questions arise during the underwriting stage. You can't complain about delays and a more drawn-out process when the loan officer is waiting on you to provide information.

4. Buy a house that meets requirements

Government-backed programs like Federal Housing Administration and VA loans have property standards and requirements that need to be met. Homes that present problems may need corrective action before the loan can close, which can lead to delays.

This is where a good real estate agent can make a world of difference. The last thing you want to do is get under contract on a home that has little chance of a successful appraisal. That can waste both time and money.

5. Don't take on new credit

Don't apply for new credit or make any large purchases during the loan process. Any changes to your financial and credit profile will raise eyebrows among underwriters. Lenders crave stability and reliability.

Racking up new credit card debt or moving around money can utterly derail your loan application, not just delay it.

There's no blueprint or surefire way to speed through mortgage lending. There are documents, dollars and cold, hard calculations, but this is also a business of human beings.

Explain to the people who help you through the process that you're buying on a tight deadline. Communicate constantly, and take responsibility (and quick action) when the ball's in your court.

http://realestate.msn.com/5-ways-to-make-your-mortgage-move-faster

 

Valdosta GA Real Estate - EXIT Realty In Touch, Valdosta, Georgia is a full service real estate office.  Whether you are buying or selling a home, seeking a property management company or a home to rent, we offer concierge service from our sales office and rental office. We utilize the latest in technological advances to make your experience as user friendly as possible. Our Realtors strive to be the best in their fields.  Every member of the EXIT Realty In Touch team is a licensed Realtor, literally ½ of the Realtors are Associate Brokers, we have Realtors who have earned their CDP, REO, ABR, Relocation Specialist, First Time Home Buyer and other designations.  Our agents sell 30% more per agent than any other agency in the Valdosta area! For personalized hands on solutions for all your real estate needs call 229-333-5105 for sales and 229-333-0768 for rentals.

The information contained in our website is believed to be reliable but is not guaranteed. We make every effort to maintain this website to have current, accurate information. However, we cannot warrant the accuracy of the information contained in our EXIT Realty In Touch website. This includes, but is not limited to, information contained in our website and information contained in websites that are linked to our website.

How to Determine Your Down Payment on a Home

What is a down payment? When you buy a home, it is typical for you to provide some of your own money in addition to the money you take out on loan. The money you provide of your own is considered the "down payment."

Homebuyers are typically required to contribute a down payment equal to 3-20% of the sales price of the home. Zero percent down loans are also available, though due to the subprime lending crisis, fewer lenders are willing to lend to homebuyers who have no down payment.

Why is a down payment such an important aspect of buying a home?

Lenders often require down payments. And the bigger the down payment you can provide, the better. Here's why:

  • The larger your down payment, the less you have to borrow, and therefore, the lower your monthly payments.

  • If you have a very small down payment, i.e., 5% or less, you will be eligible for fewer types of mortgages and may be charged a higher interest rate.

  • The bigger the down payment you are able to put down, the more banks will be willing to loan you. (And the more willing they will be to loan to you at all.)

  • For any down payment less than 20% of the asking price, you will be asked to pay Private Mortgage Insurance (PMI).

  • Lenders sometimes allow sellers to cover less of the closing costs when a buyer has a very small down payment.

The down payment can also act as a reality check; if you haven't been able to save even a minimal down payment of 3-5%, you should ask yourself whether you are financially ready to buy a home. Reflect on why you have not been able to save, and think hard about whether you would be able to keep up with your mortgage payments, assuming you could find 100% financing. While it might be stressful to continue renting instead of buying, think of it this way: renting is less stressful than losing your home due to foreclosure because you were unable to pay the mortgage payments.

How can I buy a home if I only have a small amount of money to put toward a down payment?

A limiting factor for many homebuyers is the lack of an adequate down payment, and in the wake of the subprime crisis, there are fewer lenders offering 100% financing. So how can you buy a home without a significant down payment?

Save instead of paying off debt (assuming you have a good debt-to-income ratio)
If you have a good job and are concentrating on paying off debt, it probably makes sense to put something into the savings account instead. Many people can easily handle the debt they have and think that lenders want them to be debt free. Not so. They just want your debt-to-income ratio to be within the guidelines. So long as your ratios are less than, say, the mid-40% range, having a down payment will be more important than a lower debt load. Your goal should be to accumulate a 5% down payment.

Look into 100% financing (but only if you feel you will be capable of making the monthly payments)
Let's assume that you want to buy now, and you have a small down payment saved, say $5,000. Well, you have several options. The Federal Housing Administration (FHA) and the Department of Veterans Affairs (VA) have been doing 100% financing for years, although the rate for these loans may be higher than other options. Conventional loans that are sold to FannieMae and FreddieMac, the two giant organizations that buy most of the loans originated these days, may offer better options. Both agencies have introduced programs to help buyers who have scarce resources.

If you can secure 100% financing, be aware that there is a catch. With these programs, you have to pay Private Mortgage Insurance - PMI - and you may have to be able to contribute at least 3% of the selling price to closing costs. That's OK. You have $5,000.

Several lenders have programs that provide 100% financing without PMI, but the rate is correspondingly higher. Bottom line, the differences between these programs may be minimal. Remember that you can also eliminate PMI as soon as your home appreciates to the point where your loan equals 80% of the new, higher, value of your home.

80/20 loans
You can also do a "piggyback" transaction: a 1st loan for 80% of the value, and a 2nd loan for the other 20%. There is nothing wrong with this kind of transaction and it is very popular as PMI is not typically required. Usually the 1st must be a 30-year fixed rate loan, but there are a large number of fixed rate and variable rate options for the 2nd loan.

Be sure you are ready
So, as you see, there are programs to help you if you do not have a substantial down payment. But remember---these programs will help you to secure loans, but not to make your monthly payments, so be sure you are financially ready before taking on 100% financing.

If you are receiving money from friends or family
Many homebuyers receive money from friends or family to buy homes. One important note to remember: the money you receive must be considered a gift, not a loan, or lenders will view the money as debt. This is not hard to prove---your relative or friend typically only needs to write a letter indicating the money is a gift, not a loan.

Remember closing costs, moving costs, etc...
Also, keep in mind that not all of your available money can be put toward a down payment. Closing costs, moving costs, repairs to the new home, new furniture needs, etc., should also be taken into consideration.

 

http://www.credit.com/loans/mortgage-questions/how-to-determine-your-down-payment-on-home/?utm_source=MSN&utm_medium=content&utm_content=BO_3&utm_campaign=mortgage_move_faster

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Credit.com is a free, independent comparison service working to educate and empower consumers. It is made possible in part by sponsors and partners. This site may be compensated when a user clicks an "apply" or "order" button, or other links on the website. 

 

 

Valdosta GA Real Estate - EXIT Realty In Touch, Valdosta, Georgia is a full service real estate office.  Whether you are buying or selling a home, seeking a property management company or a home to rent, we offer concierge service from our sales office and rental office. We utilize the latest in technological advances to make your experience as user friendly as possible. Our Realtors strive to be the best in their fields.  Every member of the EXIT Realty In Touch team is a licensed Realtor, literally ½ of the Realtors are Associate Brokers, we have Realtors who have earned their CDP, REO, ABR, Relocation Specialist, First Time Home Buyer and other designations.  Our agents sell 30% more per agent than any other agency in the Valdosta area! For personalized hands on solutions for all your real estate needs call 229-333-5105 for sales and 229-333-0768 for rentals.

The information contained in our website is believed to be reliable but is not guaranteed. We make every effort to maintain this website to have current, accurate information. However, we cannot warrant the accuracy of the information contained in our EXIT Realty In Touch website. This includes, but is not limited to, information contained in our website and information contained in websites that are linked to our website.

Don't Forget Your Pre-Approval Letter

Here are five reasons why getting a pre-approval letter is a good idea.

By Marcie Geffner

 

Most home buyers know they should get a mortgage pre-approval letter from a lender before they begin seriously shopping for a home. But the reasons for this advice aren't always clear, and buyers sometimes are dismayed by the amount of paperwork involved. Here is some of the reasoning behind the advice:

 

1. A pre-approval letter is more reliable than a pre-qualification letter. Getting a pre-qualification letter is easy. You just call a mortgage broker or lender, provide some basic financial information, then wait a few minutes for the letter to come through your fax machine. Getting a "pre-qual" from a Web site is just as easy. Enter some information, click "submit" and voilà. A pre-approval letter, on the other hand, involves verification of the information. Rather than taking your word on faith, the lender will ask for documentation to confirm your employment, the source of your down payment and other aspects of your financial circumstances. Granted, a pre-approval is more time-consuming (and possibly more stressful) than a pre-qualification, the additional due diligence is exactly why the pre-approval carries more weight.

 

2. You'll know how much money you can qualify to borrow. Most home buyers have a rough idea of how much they would feel comfortable paying every month on their mortgage. However, there's no quick-and-dirty way to translate that monthly payment into a specific maximum mortgage amount because other factors -- down payment percentage, mortgage insurance, property taxes, adjustable interest rates and so on -- are part of the calculation. And, you might not be qualified to borrow as much as you think you should be able to borrow, depending on your income, your debts and your credit history.

 

3. You'll have more leverage in negotiations with the seller. Sellers often prefer to negotiate with pre-approved buyers because the sellers know such buyers are financially qualified to obtain the financing they need to close the transaction. A pre-approval letter is an especially favorable point in a close multiple offer situation. And, you might feel more confident about making an offer with a pre-approval letter in hand and the knowledge that you'll be able to obtain a mortgage.

 

4. Your real estate agent will work harder on your behalf. A pre-approval letter signals to your real estate agent that you're a well-qualified buyer who is serious about purchasing a home. The increased likelihood of a closed sale -- and a commission -- will naturally motivate your agent to devote more time and energy to you. In fact, some agents won't even show property to buyers who don't have a pre-approval letter.

 

5. A few caveats: Pre-approval letters aren't binding on the lender, are subject to an appraisal of the home you want to purchase and are time-sensitive. If your financial situation changes (e.g., you lose your job, lease a car or run up credit-card bills), interest rates rise or a specified expiration date passes, the lender will review your situation and recalculate your maximum mortgage amount accordingly.

Copyright © 2000 Marcie Geffner. All rights reserved.

http://www.realtor.com/home-finance/buyers-basics/dont-forget-your-pre-approval-letter.aspx?source=web

House Hunting Tips

Buying a home? These eight tips can help make your house-hunting experience positive and rewarding.

By Marcie Geffner

 

1. Location counts. You've probably heard the old real estate joke about "location, location, location," but the point still bears repeating. Location is crucial. How far are you really willing to commute to your place of employment? How good are the local schools, shopping centers, public transportation, seniors services and other public amenities? Will your new home be next to a vacant lot or a commercial property? Even a picture-perfect dream home can be a mistake if it's in an undesirable location, and a poor-location home can be a particularly bad choice if you anticipate reselling the home within a few years.

 

2. Make a list. Do you (and your spouse, if you're married) really know what you need and want in your home? You'll save yourself many hours of shopping (and potentially arguing) if you make a list ahead of time. Zero in on the features you must have, would like to have, definitely don't want and would prefer not to have. Your goal is to find the right home for your family without falling in love with one that doesn't suit your needs. Tip: Start compiling your wish list by thinking about what you like and dislike about your current home.

 

3. Do your homework. Not long ago, consumers had very little access to information about recent home sales prices, market trends, homes on the market, neighborhood statistics and the home-buying process. Today, all this information and more is available on the Web. Go surfing. Get educated. Become empowered.

 

4. Get preapproved for a mortgage. Your top-dollar home price is a function of your household income, your creditworthiness, interest rates, the type of loan you select and how much ready cash you have for the down payment and closing costs, among other factors. Rather than guessing or estimating how much you can afford to spend, ask a lender or mortgage broker to give you a full assessment and a letter stating how much you're qualified to borrow. The true amount may be much more or much less than you think.

 

5. Use a checklist. Touring multiple homes is a confusing experience for most people. Rather than relying on memory, make notes about the homes you visit. Turn your priorities into a personalized home-shopping checklist and use it track the features of each home.

6. Wear comfortable clothing and sturdy shoes. House-hunting can be tiring, especially if you're relocating to a distant community and want to see a dozen homes in one day. There's no sense in torturing your feet unnecessarily.

 

7. Be prepared to make an offer. House-hunting can also be frustrating, especially if you know in your heart you're not really emotionally or financially ready to buy a home. If you're not ready, don't put yourself through the exercise. If you are ready, go through a blank purchase contract ahead of time so you'll know what decisions you'll face when you make an offer.

8. Relax. Granted, buying a home is a major life-altering event. But it's not worth making yourself insanely crazy or super-duper stressed. Save time at the end of your house-hunting expedition to unwind, calm your thoughts and emotions and keep the whole experience in perspective.

Copyright © 2000 Marcie Geffner. All rights reserved.

http://www.realtor.com/home-finance/buyers-basics/house-hunting-tips.aspx?source=web

 

 

 

Valdosta GA Real Estate - EXIT Realty In Touch, Valdosta, Georgia is a full service real estate office.  Whether you are buying or selling a home, seeking a property management company or a home to rent, we offer concierge service from our sales office and rental office. We utilize the latest in technological advances to make your experience as user friendly as possible. Our Realtors strive to be the best in their fields.  Every member of the EXIT Realty In Touch team is a licensed Realtor, literally ½ of the Realtors are Associate Brokers, we have Realtors who have earned their CDP, REO, ABR, Relocation Specialist, First Time Home Buyer and other designations.  Our agents sell 30% more per agent than any other agency in the Valdosta area! For personalized hands on solutions for all your real estate needs call 229-333-5105 for sales and 229-333-0768 for rentals.

The information contained in our website is believed to be reliable but is not guaranteed. We make every effort to maintain this website to have current, accurate information. However, we cannot warrant the accuracy of the information contained in our EXIT Realty In Touch website. This includes, but is not limited to, information contained in our website and information contained in websites that are linked to our website.

How a REALTOR® Can Help

A real estate agent can help you understand everything you need to know about the buying process.

By Ron Schmeadick

The process of buying a home or investment generally starts with determining your buying power; that is, your financial reserves plus your borrowing capacity. If you give a real estate agent some basic information about your available savings, income and current debt, he or she can refer you to lenders best qualified to help you. Most lenders -- banks and mortgage companies -- offer limited choices.

 

Looking
Once you know how much you can and want to invest, the next step is to find the properties that most nearly fit your needs. This is the time to choose a real estate licensee. When picking a real estate agent look for one who is also a REALTOR®. A REALTOR® is a member of the NATIONAL ASSOCIATION OF REALTORS®, a real estate trade association, and all members agree to abide by a 17 article Code of Ethics. A REALTOR® has many resources to assist you in your search. Sometimes the property you are seeking is available but not actively advertised in the market. It will take some investigation by your agent to find all available properties.

 

Choosing a property
Your job is to make the final selection of the right property for you. This is when excitement and emotion run high. Your real estate agent can assist you in the selection process by providing objective information about each property. Agents who are REALTORS® have access to a variety of informational resources. REALTORS® can provide local community information on utilities, zoning, schools, etc. There are two things you'll want to know. First, will the property provide the environment I want for a home or investment? Second, will the property have resale value when I am ready to sell?

 

Negotiating
There are myriad negotiating factors, including but not limited to price, financing, terms, date of possession and often the inclusion or exclusion of repairs and furnishings or equipment. The purchase agreement should provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase. Your agent can advise you as to which investigations and inspections are recommended or required.

 

Due diligence
With a negotiated agreement in hand, it is time to complete the evaluation of the property. Depending on the area and property, this could include inspections for termites, dry rot, asbestos, faulty structure, roof condition, septic tank and well tests, just to name a few. Your agent can assist you in finding qualified responsible professionals to do most of these investigations and provide you with written reports. You will also want to see a preliminary report on the title of the property. Title indicates ownership of property. The title to most properties will have some limitations; for example, easements (access rights) for utilities. Your agent, title company or attorney can help you resolve issues that might cause problems at a later date.

 

Financing
As soon as you are reasonably sure the property is right for you, the process of obtaining financing begins. Your agent can help you in understanding different financing options and in identifying qualified lenders.

Closing or settlement
Finally, there is the closing, or settlement, as it is known in different parts of the country. Every area has its own unique customs. In some areas, the title or escrow company will handle this process. In other parts of the country, an attorney does it all. Again, your real estate agent can guide you through this process and make sure everything flows together smoothly.

 

Why use a REALTOR®?
All real estate licensees are not the same. Only real estate licensees who are members of the NATIONAL ASSOCIATION OF REALTORS®

are properly called REALTORS®. They proudly display the REALTOR "®" logo on their business cards or other marketing and sales literature. REALTORS® are committed to treat all parties in a transaction honestly. REALTORS® subscribe to a strict code of ethics and are expected to maintain a high level of knowledge of the process of buying and selling real estate. An independent survey reports that 84% of home buyers would use the same REALTOR® again.

 

You be the judge
Real estate transactions involve one of the biggest financial investments most people experience in their lifetime. Transactions today usually exceed $100,000. If you had a $100,000 income tax problem, would you attempt to deal with it without the help of a CPA? If you had a $100,000 legal question, would you deal with it without the help of an attorney? Considering the small upside cost and the large downside risk, it would be foolish to consider a deal in real estate without the professional assistance of a REALTOR®!

Ron Schmeadick Ron Schmeadick, CRB, is Co-Owner and Associate Broker at Realty Executives, Eugene, Oregon.

Copyright © by Move, Inc.

 

http://www.realtor.com/home-finance/buyers-basics/realtor-help-and-importance.aspx?source=web

 

Valdosta GA Real Estate - EXIT Realty In Touch, Valdosta, Georgia is a full service real estate office.  Whether you are buying or selling a home, seeking a property management company or a home to rent, we offer concierge service from our sales office and rental office. We utilize the latest in technological advances to make your experience as user friendly as possible. Our Realtors strive to be the best in their fields.  Every member of the EXIT Realty In Touch team is a licensed Realtor, literally ½ of the Realtors are Associate Brokers, we have Realtors who have earned their CDP, REO, ABR, Relocation Specialist, First Time Home Buyer and other designations.  Our agents sell 30% more per agent than any other agency in the Valdosta area! For personalized hands on solutions for all your real estate needs call 229-333-5105 for sales and 229-333-0768 for rentals.

The information contained in our website is believed to be reliable but is not guaranteed. We make every effort to maintain this website to have current, accurate information. However, we cannot warrant the accuracy of the information contained in our EXIT Realty In Touch website. This includes, but is not limited to, information contained in our website and information contained in websites that are linked to our website.

Swimming Pool Safety

It is officially pool season! All those beautiful, sunny days are always better if spent lounging around the pool. Our EXIT team just wants to make sure you’re being safe around the water. Here are some valuable swimming pool safety tips:

  • Make sure to keep a close eye on your child or children when they are in or around the water.
  • Never let your child swim without supervision.
  • It is always a good idea to teach children basic pool safety before they go swimming.
  • If your child does not know how to swim make sure they have
  • No running around the pool. That wet concrete can become very slippery, and could cause an injury.
  • When jumping off a diving board, make sure the area is clear of other children before jumping in.
  • Make sure to have a charged phone close by just in case of an emergency.

 

We hope everyone is enjoying their summer, and having some fun in the sun!

 

"Staying Safe in Community Pools." Pool Safely. N.p., n.d. Web. 23 June 2014. .

 

Valdosta GA Real Estate - EXIT Realty In Touch, Valdosta, Georgia is a full service real estate office.  Whether you are buying or selling a home, seeking a property management company or a home to rent, we offer concierge service from our sales office and rental office. We utilize the latest in technological advances to make your experience as user friendly as possible. Our Realtors strive to be the best in their fields.  Every member of the EXIT Realty In Touch team is a licensed Realtor, literally ½ of the Realtors are Associate Brokers, we have Realtors who have earned their CDP, REO, ABR, Relocation Specialist, First Time Home Buyer and other designations. Our agents sell 30% more per agent than any other agency in the Valdosta area! For personalized hands on solutions for all your real estate needs call 229-333-5105 for sales and 229-333-0768 for rentals.

The information contained in our website is believed to be reliable but is not guaranteed. We make every effort to maintain this website to have current, accurate information. However, we cannot warrant the accuracy of the information contained in our EXIT Realty In Touch website. This includes, but is not limited to, information contained in our website and information contained in websites that are linked to our website.

10 Ways to Prepare for Homeownership

  1. Decide what you can afford. Generally, you can afford a home equal in value to between two and three times your gross income.
  2. Develop your home wish list. Then, prioritize the features on your list.
  3. Select where you want to live. Compile a list of three or four neighborhoods you’d like to live in, taking into account items such as schools, recreational facilities, area expansion plans, and safety.
  4. Start saving. Do you have enough money saved to qualify for a mortgage and cover your down payment? Ideally, you should have 20 percent of the purchase price saved as a down payment. Also, don’t forget to factor in closing costs. Closing costs — including taxes, attorney’s fee, and transfer fees — average between 2 and 7 percent of the home price.
  5. Get your credit in order. Obtain a copy of your credit report to make sure it is accurate and to correct any errors immediately. A credit report provides a history of your credit, bad debts, and any late payments.
  6. Determine your mortgage qualifications. How large of mortgage do you qualify for? Also, explore different loan options — such as 30-year or 15-year fixed mortgages or ARMs — and decide what’s best for you.
  7. Get preapproved. Organize all the documentation a lender will need to preapprove you for a loan. You might need W-2 forms, copies of at least one pay stub, account numbers, and copies of two to four months of bank or credit union statements.
  8. Weigh other sources of help with a down payment. Do you qualify for any special mortgage or down payment assistance programs? Check with your state and local government on down payment assistance programs for first-time buyers. Or, if you have an IRA account, you can use the money you’ve saved to buy your fist home without paying a penalty for early withdrawal.
  9. Calculate the costs of homeownership. This should include property taxes, insurance, maintenance and utilities, and association fees, if applicable.
  10. Contact a REALTOR®. Find an experienced REALTOR® who can help guide you through the process.

 

"10 Ways to Prepare for Homeownership." Realtor Magazine. N.p., 24 June 2014. Web. 24 June 2014. .

 

Valdosta GA Real Estate - EXIT Realty In Touch, Valdosta, Georgia is a full service real estate office.  Whether you are buying or selling a home, seeking a property management company or a home to rent, we offer concierge service from our sales office and rental office. We utilize the latest in technological advances to make your experience as user friendly as possible. Our Realtors strive to be the best in their fields.  Every member of the EXIT Realty In Touch team is a licensed Realtor, literally ½ of the Realtors are Associate Brokers, we have Realtors who have earned their CDP, REO, ABR, Relocation Specialist, First Time Home Buyer and other designations.  Our agents sell 30% more per agent than any other agency in the Valdosta area! For personalized hands on solutions for all your real estate needs call 229-333-5105 for sales and 229-333-0768 for rentals.

The information contained in our website is believed to be reliable but is not guaranteed. We make every effort to maintain this website to have current, accurate information. However, we cannot warrant the accuracy of the information contained in our EXIT Realty In Touch website. This includes, but is not limited to, information contained in our website and information contained in websites that are linked to our website.

 

So What Did You Do Before Noon Today?

Congratulations to Mary Straka, EXIT Realty In Touch’s newest team member, who not only Listed but SOLD a house in less than 24 Hours!  But Wait, that’s not all!  Mary put not 1 but 2 houses under contract and all before noon!  So if you’re looking for results to your real estate dreams, call Mary at 229-561-4654.

 

Valdosta GA Real Estate - EXIT Realty In Touch, Valdosta, Georgia is a full service real estate office.  Whether you are buying or selling a home, seeking a property management company or a home to rent, we offer concierge service from our sales office and rental office. We utilize the latest in technological advances to make your experience as user friendly as possible. Our Realtors strive to be the best in their fields.  Every member of the EXIT Realty In Touch team is a licensed Realtor, literally ½ of the Realtors are Associate Brokers, we have Realtors who have earned their CDP, REO, ABR, Relocation Specialist, First Time Home Buyer and other designations.  Our agents sell 30% more per agent than any other agency in the Valdosta area! For personalized hands on solutions for all your real estate needs call 229-333-5105 for sales and 229-333-0768 for rentals.

The information contained in our website is believed to be reliable but is not guaranteed. We make every effort to maintain this website to have current, accurate information. However, we cannot warrant the accuracy of the information contained in our EXIT Realty In Touch website. This includes, but is not limited to, information contained in our website and information contained in websites that are linked to our website.

EXIT In Touch Realty is Leading Business of the Week!

VALDOSTA, GA – EXIT Realty in Touch has been recognized by the Valdosta-Lowndes Chamber of Commerce as the Leading Business of the Week for June 9th. This award is presented each week to a business in good standing that has been a member of the Chamber for at least five years. The company will display the Leading Business of the Week banner, which is sponsored by New Hire Solutions, in their lobby for a week.

EXIT Realty in Touch opened the doors to its new office on January 1, 2010 and is now one of Valdosta’s leading real estate agencies and continues to strive for excellence. The company has received individual and office awards and recognition for the hard work and dedication of each employee to provide the Valdosta-Lowndes area with exceptional service and extraordinary results. Furthermore, EXIT Realty in Touch’s agents have consistently been in the top 100 agents for EXIT Realty International.

The Plylers keep a continuous check on how well EXIT Realty is doing in comparison with other real estate agencies in the surrounding area. Their efforts show that their employees sell a minimum of 25 percent more than every other agency. “I don’t compare us with other agencies that are our size,” said Satrina Plyler of EXIT Realty’s high number of sales, “but with every company large and small in the South Georgia area.”

EXIT Realty is dedicated to providing every customer with incredible services for their individual needs. According to Satrina Plyler, “When deciding what agency you want to use to buy or sell your home, there’s one question you need to ask yourself: Do you want to go with the “big boys” or do you want results?”

We would like to extend a special thank-you to New Hire Solutions, the official 2014 Sponsor of Leading Business of the Week.

Source: Valdosta-Lowndes County Chamber of Commerce

(June 13, 2014). EXIT Realty In Touch Is Leading Business of the Week [Article]. Retrieved from http://valdostatoday.com/2014/06/exit-realty-in-touch-is-leading-business-of-the-week/

 

 

 

Valdosta GA Real Estate - EXIT Realty In Touch, Valdosta, Georgia is a full service real estate office.  Whether you are buying or selling a home, seeking a property management company or a home to rent, we offer concierge service from our sales office and rental office. We utilize the latest in technological advances to make your experience as user friendly as possible. Our Realtors strive to be the best in their fields.  Every member of the EXIT Realty In Touch team is a licensed Realtor, literally ½ of the Realtors are Associate Brokers, we have Realtors who have earned their CDP, REO, ABR, Relocation Specialist, First Time Home Buyer and other designations.  Our agents sell 30% more per agent than any other agency in the Valdosta area! For personalized hands on solutions for all your real estate needs call 229-333-5105 for sales and 229-333-0768 for rentals.

The information contained in our website is believed to be reliable but is not guaranteed. We make every effort to maintain this website to have current, accurate information. However, we cannot warrant the accuracy of the information contained in our EXIT Realty In Touch website. This includes, but is not limited to, information contained in our website and information contained in websites that are linked to our website.

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The Plyler Team
EXIT Realty In Touch

3315-B N. Valdosta Road
Valdosta, GA 31602
Office: (229) 333-5105
Scott: (229) 460-4411
Fax: (229) 333-1945
Contact Us
www.ValdostaHomeFinder.com
 

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