The Home Buying Guide

Home Buyers' GuideBelow is a series of videos explaining what you should be aware when purchasing you home for the first time, this also would help if you are an experienced home buyer. Please review the videos listed below and if you have any questions about buying or selling your home in the Atlanta metro area, give as a call at 770-309-6417

THE HOME BUYING GUIDE – KNOW YOUR CREDIT SCORE

Know your Credit Score.- When purchasing a home most likely you will need to obtain a mortgage loan, if that is the case, the first thing to do is request your credit score. There are  three credit bureaus : Equafax, TransUnion, and Experian. You may request the report from either company. Upon getting your credit report, be sure to examine carefully all transactions and if you find something that is not yours, or is older than seven years, make sure you dispute them immediately. Do this few months ahead, if you find that you have a problem or the report is incorrect, fixing your credit score could take several months. The higher your credit score, the lower your interest will be. Ideally, you want your credit score to be over 700. The credit score should be a FICO credit score and you can get a free copy of your credit report by visiting www.annualcreditreport.com.

THE HOME BUYING GUIDE  – GET PRE-APPROVED FOR A MORTGAGE

Get  pre-approved for a mortgage.- There is a difference between pre-approved a pre-qualified. When you get pre-approved, a Loan Officer will ask for the following documents: Taxes for the last two years, Bank Statements for the last three months, pay stubs for the last two months, employment verification , verification of down payment funds, and verification of your credit.  Upon you providing all these documents, a Loan Officer will have enough information about you to issue a pre-approval letter. Just for your information a loan pre-qualification letter is worthless, experienced Real Estate Agents will insist you on providing a loan approval letter before taking you out to show you properties. Even if you are not currently working with an agent, if you don’t have a loan approval letter, don’t waste your time running around looking for the perfect home, you don’t know how much you can afford, therefore you may be looking at the wrong properties.

THE HOME BUYING GUIDE – FIND A FULL TIME REAL ESTATE PROFESSIONAL

Find a full time Real Estate Professional.- Buying a home is most likely the largest purchase you will ever make during  your life, you do not need to take chances with new agents or part time agents as this could be very costly to you. Good professional Real Estate Agents are always in demand but that doesn’t mean you have to hire the first one that comes around, be sure to interview at least three agents before selecting one. When buying a home don’t be tempted to go alone thinking you will get a better deal by dealing directly with the listing agents, just for your information, the listing agents has a fiduciary duty to the home Seller that means that any information you tell him, he is obligated to tell his client, in this case the seller, however, he is not obligated to tell you anything about the Seller. This could be a huge disadvantage when negotiating the purchase of your home.  For those Buyers that they think they will save on commission, let me tell you, you are not paying any commission to the agent representing you, the Seller is paying that commission. Even if you negotiate your home without and agent, the listing agent has already negotiated the full commission with the Seller. Don’t make this mistake, you will be under-represented and may cost you thousands of dollars.

A good professional Real Estate Agent will help you find the best possible home at the best possible price in the most desirable location.

THE HOME BUYING GUIDE – SELECT A LOCATION WHERE YOU WANT TO LIVE

Select a location where you want to live.- In Real Estate it’s all about location, location, location. If you are a young family, you most likely will be interested in good schools, job opportunities and safe neighborhoods. If you a single you will probably be looking for a more dense area where young single people hang out and entertainment and night life is predominant. If you are an empty nester you will probably be looking for a location near major hospitals and good public transportation.

Location is so important in Real Estate, if you have selected a home in a desirable location, you home may not look as good as the one on a non-desirable location, but keep in mind, that you can always fix up the mediocre house in a desirable location, but you can’t move the nice home in a non-desirable location.

THE HOME BUYING GUIDE – SHOP FOR YOUR MORTGAGE

Shop for your mortgage.-  It is important to get your loan approved ahead of time, but is equally important once you are approved to shop with at least two other  financial outlets. Not all financial outlets have the same fees, just like anything else, some charge less some charge for the same items. How do you compare the cost between the mortgage companies you have selected?  It is easy, when you get the loan approval letter, the Loan Officer will also give you what is known as the Good Faith Estimate, in the good faith estimate will state how much is your interest, the type of interest you are getting, your loan origination fee and some other items. The most important items when comparing mortgages are those stated above, you want to compare apples to apples for example if the good faith estimate has that you are getting a 30 year fixed mortgage then you need to ask for a 30 year fixed mortgage from the second company, this way you will know you are comparing apples to apples.

The interest rate, even though, they all are looking at the same credit score one mortgage company maybe higher than the other because rates change every day.

Don’t make the mistake that most everyone does comparing different loan programs, instead figure out what loan program work for you and stick to it.

THE HOME BUYING GUIDE – COMPLETE HOME INSPECTION

Upon Finding your Dream Home, a complete home inspection is in order.- Doing a home inspection is money well spent, you do not want to find out that your plumbing or HVAC system is not working after you have purchased your house. The cost of hiring a home inspector ranges between $300 to $600 dollars depending on the size of the home you are purchasing, a standard home inspection doesn’t always include checking your sewer lines, your roof or the structure of your house, these items are provided at an additional cost, however, the cost of these additional items is minimal comparing to the costs of doing the repairs yourself. Most Sellers are aware of those repairs and are willing to negotiate down the sales price or are willing to help pay for the repairs. Don’t ever give in to the pressure of not doing an inspection report.

THE HOME BUYING GUIDE – FIND YOUR CLOSING COSTS AHEAD OF TIME

Find out all the cost of closing in advance.- Knowing your closing cost ahead of time will prevent unforeseen changes and will help you budget your funds better. There are many cost involved in closing your home, here are some of the cost that are almost on all closing transactions:

Property , City and County Taxes

Loan origination fees (up to 1.5% of the loan)

Appraisal Fees

Credit Report fees

Mortgage Insurance

Home Owner’s Insurance

Title Insurance

Attorney’s Fees

Transfer taxes

Title Examination fees

Find out the cost of all those items before the closing date, so you know exactly how much money you will need at closing.

In a nut shell, this is the home buying process, to speak or make an appointment with one of our professional Real Estate Agents, Contact us today at 770-309-6417

Homes for Sale in Atlanta

Price
Beds
Baths
For Sale / All Types
New Listing - 2 weeks online
$210,000
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
2,601
SQFT
6796 Foxfire Place Place SW
Atlanta, GA 30349
COOKS LANDING Subdivision
$283,951
Single Family Home For Sale
Active
3
BED
2
TOTAL BATHS
1,802
SQFT
673 Python Drive
Atlanta, GA 30349
Camden Manor Subdivision
$330,349
Single Family Home For Sale
Active
5
BED
4
TOTAL BATHS
3,363
SQFT
7064 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
$299,026
Single Family Home For Sale
Active
5
BED
3
TOTAL BATHS
3,040
SQFT
7057 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
Price Change - 3 weeks ago
$329,990
Single Family Home For Sale
Active
6
BED
4
TOTAL BATHS
3,363
SQFT
663 Python Drive
Atlanta, GA 30349
Camden Manor Subdivision
New Listing - 3 weeks online
$310,270
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
3,236
SQFT
7024 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
$312,132
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,544
SQFT
7014 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
$301,438
Single Family Home For Sale
Active
5
BED
4
TOTAL BATHS
3,040
SQFT
7007 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
Foreclosure
$215,000
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
3,080
SQFT
6629 Overlook Ridge
Atlanta, GA 30349
Cooks Landing Subdivision
$4,000,000
Single Family Home For Sale
Active
7
BED
9
TOTAL BATHS
15,159
SQFT
4690 Thompson Road
Atlanta, GA 30349
 
$12,500,000
Single Family Home For Sale
Active
9
BED
14
TOTAL BATHS
26,000
SQFT
4965 Butner Road
Atlanta, GA 30349
 
$263,000
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
2,260
SQFT
3205 Camden Court
Atlanta, GA 30349
KINGSLAND Subdivision
Short Sale
$195,000
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,639
SQFT
432 Hammock Loop
Atlanta, GA 30349
 
Short Sale
$209,900
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,676
SQFT
2927 Chilhowee Drive
Atlanta, GA 30331
Legacy at Cascading Creek Subdivision
$245,700
Single Family Home For Sale
Pending
5
BED
4
TOTAL BATHS
2,404
SQFT
3492 Dacite Court
Atlanta, GA 30349
Flat Shoals Manor Subdivision
$162,490
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
1,800
SQFT
6679 Mancha Street
Atlanta, GA 30349
Heritage Park Subdivision
$162,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
1,800
SQFT
6690 Mancha Street
Atlanta, GA 30349
Heritage Park Subdivision
$169,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,000
SQFT
6683 Mancha Street
Atlanta, GA 30349
Heritage Park Subdivision
$167,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,000
SQFT
2205 Creel Road
Atlanta, GA 30349
Heritage Park Subdivision
$174,490
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
2,217
SQFT
6790 Mancha Street
Atlanta, GA 30349
Heritage Park Subdivision
$176,490
Single Family Home For Sale
Active
5
BED
3
TOTAL BATHS
2,217
SQFT
6687 Mancha Street
Atlanta, GA 30349
Heritage Park Subdivision
$162,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
1,800
SQFT
6742 Mancha Street
Atlanta, GA 30349
Heritage Park Subdivision
$169,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,000
SQFT
6735 Mancha Street
Atlanta, GA 30349
Heritage Park Subdivision
$176,490
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
2,217
SQFT
2281 Creel Road
Atlanta, GA 30349
Heritage Park Subdivision
$169,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,000
SQFT
2285 Creel Road
Atlanta, GA 30349
Heritage Park Subdivision
$162,490
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
1,800
SQFT
2273 Creel Road
Atlanta, GA 30349
Heritage Park Subdivision
Short Sale
$220,000
Single Family Home For Sale
Active
5
BED
4
TOTAL BATHS
3,425
SQFT
6901 Talkeetna Court SW
Atlanta, GA 30331
Falls At Cascade Subdivision
$167,990
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,045
SQFT
505 Hererra Street
Atlanta, GA 30349
Heritage Park Subdivision
$1,599,000
Single Family Home For Sale
Pending
5
BED
6
TOTAL BATHS
5,200
SQFT
210 Rivermere Way
Atlanta, GA 30350
Gates on the River Subdivision
$224,420
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
1,920
SQFT
5001 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
$215,892
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
1,920
SQFT
5026 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
Price Change - 3 weeks ago
$224,196
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
1,920
SQFT
5042 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
$224,788
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
1,976
SQFT
5034 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
New Listing - 4 weeks online
$226,696
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
1,950
SQFT
5044 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
$226,496
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
1,950
SQFT
5013 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
$223,846
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
1,950
SQFT
5017 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
$222,536
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
1,920
SQFT
5025 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
$223,536
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
1,920
SQFT
5031 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
New Listing - 4 weeks online
$230,586
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
1,976
SQFT
5035 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
New Listing - 4 weeks online
$232,696
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
1,950
SQFT
5037 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
Short Sale
$115,000
Single Family Home For Sale
Pending
4
BED
4
TOTAL BATHS
1,912
SQFT
2180 Crossrail Drive
Atlanta, GA 30349
Fairfield Square Subdivision
$211,775
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,176
SQFT
4065 Alveston Drive
Atlanta, GA 30349
Riggins Ridge Subdivision
Short Sale
$135,000
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
1,660
SQFT
4765 Buckeye Place
Atlanta, GA 30349
Creekside Subdivision
$299,900
Single Family Home For Sale
Active
5
BED
4
TOTAL BATHS
3,046
SQFT
4307 Bellwood Circle
Atlanta, GA 30349
Stonewall Manor Subdivision
$329,900
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,759
SQFT
4288 Bellwood Circle
Atlanta, GA 30349
Stonewall Manor Subdivision
$212,000
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,006
SQFT
5015 Buckeye Place
Atlanta, GA 30349
Creekside Subdivision
$208,900
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,050
SQFT
4960 Buckeye Place
Atlanta, GA 30349
Creekside Subdivision
$229,900
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,050
SQFT
4915 Buckeye Place
Atlanta, GA 30349
Creekside Subdivision
Price Change - a week ago
$354,990
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
3,433
SQFT
787 Red Wolf Run
Atlanta, GA 30349
Wolf Creek Chase Subdivision
$333,840
Single Family Home For Sale
Active
4
BED
5
TOTAL BATHS
3,331
SQFT
6312 Jasper Way SW
Atlanta, GA 30331
Summit At Stonewall Tell Subdivision
$348,841
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
3,433
SQFT
775 Red Wolf Run
Atlanta, GA 30349
Wolf Creek Chase Subdivision
$284,990
Single Family Home For Sale
Pending
3
BED
2
TOTAL BATHS
2,237
SQFT
763 Red Wolf Run
Atlanta, GA 30349
Wolf Creek Chase Subdivision
$355,676
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
2,760
SQFT
112 Old Wolf Court
Atlanta, GA 30349
Wolf Creek Chase Subdivision
$425,000
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
3,200
SQFT
5618 Livesage Drive
Atlanta, GA 30349
Union Crossing Subdivision
$425,000
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
3,200
SQFT
5622 Livesage Drive
Atlanta, GA 30349
Union Crossing Subdivision
$425,000
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
3,200
SQFT
5667 Eternal Drive
Atlanta, GA 30349
UNION CROSSING Subdivision
$360,670
Single Family Home For Sale
Active
4
BED
5
TOTAL BATHS
3,905
SQFT
359 Woodmill Way SW
Atlanta, GA 30331
Summit At Stonewall Tell Subdivision
$362,750
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
3,905
SQFT
354 Woodmill Way SW
Atlanta, GA 30331
Summit At Stonewall Tell Subdivision
$450,000
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
4,386
SQFT
5075 Highland Lake Drive
Atlanta, GA 30349
HIGHLAND LAKE Subdivision
$339,990
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
3,138
SQFT
2884 Bluestone Drive SW
Atlanta, GA 30331
Summit At Stonewall Tell Subdivision

Atlanta Real Estate

List of homes in the Atlanta area. Are you relocating to Atlanta and in need of a home in Atlanta?, welcome to kstrealty, we not only have homes for sale in Atlanta, but we can help you find Condos. Townhomes , land and any other type of property you are looking for.

Here is the Top Real Estate Markets in Georgia

Atlanta Homes for Sale | Alpharetta Homes for Sale | Marietta Homes for Sale | Sandy Springs Homes for Sale | Decatur Homes for Sale Roswell Homes for Sale Lawrenceville Homes for Sale | Kennesaw homes for sale

Real Estate for sale Nearby

Houses for sale nearby | Condos for Sale nearby | Townhomes for sale nearby

Buying or selling we are here to help you.

Whether you are looking to buy your first home, or you are moving up to your dream home, our real estate agents in Atlanta can find that you the one you are looking for. Kstrealty has the most homes for sale in Atlanta and our information is updated every 15 minutes. If a listing is showing in our website it is because is available.

To get up to date list of homes in your phone or email, register and our systems will notify you as soon as a new home listing is available in our website, our system will also notify if the price the property you are interested is reduced.

Are you looking for an agent to help you sell your home, all of our real estate agents are seasoned real estate professionals, we can help you list your home for sale in any area around Atlanta? Our agents can help you sell your home and also buy your new home, our agents are prepared to meet all your real estate needs, contact us today so we can setup an appointment in your house.

Home Building Services in Atlanta

Need to build a home in Atlanta?, our real estate company can help you find the ideal residential lot to build your dream home and our sister company Traditional Homes of Georgia LLC will help you build your dream home anywhere in Atlanta. Contact us for all your home building needs and other constructions jobs in Atlanta.

About kstrealty

Experience: I have worked as a Real Estate Agent and now as a Real Estate Associate Broker for over 12 years, all those years in one company America's Network Realty Group Inc. Loyalty is my game. Also, using my home building experience I have helped my clients with the costruction of their custom homes, renovation and remodeling of thier existing homes.

I represent sellers selling their residential homes, Investor who are selling or purchasing investment properties, business looking to buy or sell their commercial properties. I have listed and sold large tracks of land. I work with local builders locating lots to build homes, finding tracks of land to build subdivisions, providing cost analysis of properties to investors and potential buyers buying lots to build their custom homes. I also work with banks maintaining and selling their real estate inventory.

Financial Resources: In my last job I worked as a financial analyst for a fortune 100 corporation where I obtain a vast knowledge about financing. In my Real Estate career I manage rental properties, construction loans, and real estate investment loans. I work with buyers who are purchasing their home by obtaining a conventional loan or an FHA backed loan. For those home buyers, especially first time home buyers whose experience with home mortgages is minimal or non-existent, I can help you analyze and select the best mortgage option for you.

Property Management: I'm experienced in maintaining Bank Owned Properties. I can provide the following REO services to banks of all sizes: Property Management, Foreclosure home maintenance, Re-key and secure bank owned properties to prevent theft and vandalism. As a license home builder, I can maintain, update and renovate all bank owned properties. I have a team of residential subcontractors to cover all aspects of home maintenance and home renovations.

Response Time: I'm a real estate broker with the right tools and right technology, when it comes to providing top level services, my knowledge of the latest communication tools makes me one of a kind. No email, voicemail, or text message will be lost or not read. Using the latest technology, I make sure all communications are readily available to me instantly.

Team: I have a team of professionals working with me. We have a combined experience of over 50 years. Some of our professionals prefer to work with buyers, some of them exclusively do listings and some of them work with commercial properties including Churches and commercial land. Our team covers all areas of the real estate, whether you re a first time home buyer, an experienced real estate investor or a business owner looking for a commercial property, our team can help you with your real estate needs.

Marketing: In today's business environment, you have to do marketing using the latest's technology applications. A decade or so ago we used to take a listing and market by using a local MLS, and by running ads on a local newspapers. Today the Real Estate marketing has changed, we mostly use the Internet; Social media marketing is probably the largest media used by Real Estate Agents, social sites such as google+, facebook, twitter, linkedin, pinterest, are among the sites we use to market all our listings. Mobile media is rapidly becoming the norm to find homes for sale, in order no to alienate any of those potential clients, we have made available all of our websites on mobile devices. If you list your home with us, your home will have the widest audience who are looking to purchase homes in your area.

Coverage Area: I cover the Atlanta metro area, which includes the following counties: Fulton county, Dekalb county, Cobb county, Gwinnett county. Also to be more specific, here are the cities and neighborhoods I can help you with your real estate needs: Atlanta Alpharetta Marietta Sandy Springs Lawrenceville Dunwoody Roswell Duluth Decatur KennesawAcworth Woodstock Smyrna Lilburn Chamblee Tucker. If you are planning on selling or buying a home on any of the cities listed above, I can help you. Call me at 770-309-6417 or text me, I will respond immediately.

Website: https://www.kstrealty.com www.therenovators.us

Email: tbermeo1@gmail.com

Phone: 404-855-3070
Fax: 770-551-5866
Address: 8097 Roswell Road Building C Suite 201 Sandy Springs GA 30350

Speak Your Mind

*

Web Analytics