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Steps to buy your home in Atlanta

Steps to Buy Your Home in Atlanta

1. Get a loan approval letter

These are the basic documents you will need to get a loan approval letter.

  1. The last two years of tax returns
  2. The last three months of bank statements
  3. Pay stubs for the last two months
  4. W-2 and or 1099 forms
  5. Employment and Rent verification
  6. Fill out Loan Application
  7. If requested provide authorization for Lender to run Credit check for you the Borrower and Co-Borrower if you have one

Upon providing these documents to a Loan Officer, you should request a loan approval letter.

 2. Find a Real Estate Agent

There are many Real Estate agents, you want to hire someone who is professional and works full time in the Real Estate business and is familiar with the area you are interested in buying your home. These are some duties of what a good agent will help you with:

  1. Find the right home for you
  2. Advise on the location of the property, find rankings of the local schools
  3. Submit and offer on your behalf to the seller
  4. Negotiate the best deal on the property he is found for you
  5. Negotiate any repairs needed on the home you are purchasing
  6. Coordinate the work with other professionals involved in the purchase such as: Real estate Attorneys, Home Inspectors, General Contractors, and Insurance Agents
  7. Solve any problems that come up during and after negotiations.

Good agents will make the buying process smooth and stress free for home buyers.

 3. Making an Offer

If you are borrowing money to purchase your home, before you make an offer, as mentioned in step one, you have to have the loan approval letter and needs to be submitted with your offer, this is really important to make sure the seller will consider your offer.

  1. Request and review the Seller’s Disclosure before making the offer
  2. Real Estate Agent will write the offer on your behalf
  3. Add earnest money, usually around 1% of the sales price, some home owners ask for more
  4. Request a Due Diligence period so you can inspect the house, usually seven to ten days.
  5. Add a closing date to the offer
  6. Select an Attorney to do the closing
  7. The Real Estate Agent will present your offer

    4. Upon Approval of your Offer

Once you have agreed the sales price with the seller, your agent should do the following items:

  1. Order an inspection report
  2. Submit a copy the contract to the Lender and the closing Attorney
  3. Order or Request a Termite Letter
  4. Submit Termite letter to lender
  5. Negotiate and repairs needed with Seller
  6. Ask Lender to order an appraisal on the property
  7. If needed request a property survey
  8. Get a Good Faith Estimate from Lender to find out how much money you will need at Closing
  9. Order a Hazardous insurance policy
  10. Be sure to ask the closing attorney to find if there are any other liens on the property

    5. Prior to Closing

Few days before closing your agent should double check the following Items:

  1. Make sure all negotiated repairs are completed
  2. Get a copy of final Loan documents and verify all amounts are correct
  3. Get a copy of the Hazardous Insurance Policy
  4. Have all contacts for utilities (Power, gas, water, phone, cable)
  5. Request a one year home buyers protection plan (optional)
  6. Request home buyer to purchase a certified check for down payment amount

    6. At Closing

Buyer should have the following information at closing:

  1. Arrive at Attorney’s office at least 30 minutes ahead of schedule
  2. Upon arrival, get a final copy of closing documents
  3. Review final closing documents
  4. Have certified check for the down payment
  5. Have copy of the hazardous insurance policy
  6. Have a copy your driver’s license or any other state issued identification
  7. Be sure to add Title Insurance prior to closing
  8. Make sure to obtain a copy of your home buyers protection plan if you ordered one
  9. Request any warranties from Home Owner, warranties for units such as: Furnace, Roof, Hot Water Heater, Garage doors, appliances and other items that come with the house
  10. Get all keys, garage door openers and any other instructions
  11. on how to operate the house
  12. Double check to make sure the Title is in the correct name
  13. Sign loan documents

    7. After Closing

Congratulations, you now are home owner, as in most cases, this is probably the largest purchase you have ever made and as such, this will be your biggest responsibility to take care.

At this point I recommend you to review the complete inspection report and address some of the items listed on this report.

Your Real Estate Agent should be able to recommend you contractors that can help you with the maintenance of your home.

Items to keep in mind after closing:

  1. File for a homestead exemption with your local tax office
  2. Request your Real Estate agent continue to monitor the value of your property
  3. Keep you closing documents safe, you will need them again at time of paying your state and federal taxes
  4. Change door locks if necessary
  5. 30 days after closing check your local tax office to make sure the property is in your name

This is in a nut shell the process of buying your first home in the Atlanta area. Other areas and or Estates may have different rules and regulations, but the majority of the steps will be the same.

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Telmo Bermeo Real Estate Broker

About Telmo Bermeo

Small Business Owner, specializes in marketing homes for sale in the Atlanta Area by using the most up to date Internet Marketing Tools.

Real Estate Broker serving the Atlanta Metro Area, for over 12 years. If you are planning to buy or sell your home in Atlanta, call Telmo Bermeo at 770-309-6417

Atlanta Real Estate Information

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

Atlanta Homes for Sale

$839,000
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,661
SQFT
Midtown O4 W #2
742 Ponce De Leon Court NE
Atlanta, GA 30308
$1,895,000
Single Family Home For Sale
Pending
5
BED
6
TOTAL BATHS
3,690
SQFT
727 Courtenay Drive NE
Atlanta, GA 30306
Morningside Subdivision
New Listing - 2 weeks online
$2,995,000
Single Family Home For Sale
Active
4
BED
5
TOTAL BATHS
4,676
SQFT
20 Polo Drive NE
Atlanta, GA 30309
Ansley Park Subdivision
$3,295,000
Single Family Home For Sale
Active Under Contract
5
BED
6
TOTAL BATHS
6,400
SQFT
18 Polo Drive NE
Atlanta, GA 30309
Ansley Park Subdivision
New Listing - 3 weeks online
$2,150,000
Single Family Home For Sale
Active
5
BED
5
TOTAL BATHS
4,918
SQFT
284 The Prado NE
Atlanta, GA 30309
Ansley Park Subdivision
$1,550,000
Single Family Home For Sale
Active
5
BED
4
TOTAL BATHS
4,200
SQFT
1333 Berwick Avenue NE
Atlanta, GA 30306
Morningside Subdivision
$1,895,000
Single Family Home For Sale
Active
5
BED
6
TOTAL BATHS
4,728
SQFT
941 Virginia Avenue NE
Atlanta, GA 30306
Virginia Highland Subdivision
$1,849,000
Single Family Home For Sale
Pending
5
BED
6
TOTAL BATHS
4,239
SQFT
992 Highland View
Atlanta, GA 30306
Highland View Subdivision
$1,250,000
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
2,400
SQFT
Poncey Haus #1
1 Angier Springs Court NE
Atlanta, GA 30306
$1,895,000
Single Family Home For Sale
Active
6
BED
7
TOTAL BATHS
5,221
SQFT
731 Wildwood Place NE
Atlanta, GA 30324
MORNINGSIDE Subdivision
$1,849,500
Single Family Home For Sale
Active
6
BED
5
TOTAL BATHS
4,809
SQFT
1021 Reeder Circle NE
Atlanta, GA 30306
Morningside Subdivision
$1,299,000
Single Family Home For Sale
Pending
5
BED
6
TOTAL BATHS
3,700
SQFT
1931 Windemere Drive NE
Atlanta, GA 30324
Morningside Subdivision
$1,299,900
Single Family Home For Sale
Pending
6
BED
5
TOTAL BATHS
3,268
SQFT
1054 Euclid Avenue NE
Atlanta, GA 30307
Inman Park Subdivision
New Listing - a week online
$900,000
Single Family Home For Sale
Active Under Contract
4
BED
5
TOTAL BATHS
2,535
SQFT
305 Candler Street
Atlanta, GA 30307
Candler Park Subdivision
$1,198,000
Single Family Home For Sale
Pending
6
BED
5
TOTAL BATHS
4,500
SQFT
1377 Briarcliff Road NE
Atlanta, GA 30306
Druid Hills Subdivision
Price Change - 3 weeks ago
$1,295,000
Single Family Home For Sale
Active
5
BED
4
TOTAL BATHS
3,534
SQFT
2048 Fairhaven Circle NE
Atlanta, GA 30305
Peachtree Hills Subdivision
New Listing - 2 weeks online
$1,849,000
Single Family Home For Sale
Active
5
BED
6
TOTAL BATHS
4,515
SQFT
1783 Noble Drive NE
Atlanta, GA 30306
Morningside Subdivision
New Listing - 2 days online
$1,699,000
Single Family Home For Sale
Active
4
BED
6
TOTAL BATHS
4,069
SQFT
1785 Noble Drive NE
Atlanta, GA 30306
Morningside Subdivision
$259,000
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
1,152
SQFT
626 NW English Avenue NW
Atlanta, GA 30318
 
New Listing - 13 hours online
$1,495,000
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
4,500
SQFT
The Cottages At South Ponce #A
1626 Clifton Terrace NE
Atlanta, GA 30307
$799,900
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
2,559
SQFT
Lake Claire #26
245 Colebrook Street NE
Atlanta, GA 30307
$682,940
Single Family Home For Sale
Pending
3
BED
4
TOTAL BATHS
2,608
SQFT
1318 Boyd Avenue
Atlanta, GA 30318
West Town Subdivision
New Listing - 2 weeks online
$339,900
Single Family Home For Sale
Pending
3
BED
2
TOTAL BATHS
1,550
SQFT
747 Orr Street NW
Atlanta, GA 30314
Vine City Subdivision
$698,999
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,467
SQFT
1136 Boulevard Drive NE
Atlanta, GA 30317
Reynoldstown Subdivision
$1,800,000
Single Family Home For Sale
Active
5
BED
5
TOTAL BATHS
4,500
SQFT
2096 Evergreen Lane NW
Atlanta, GA 30318
Collier Hills Subdivision
$925,000
Single Family Home For Sale
Pending
5
BED
4
TOTAL BATHS
3,350
SQFT
1109 Ralph Road NE
Atlanta, GA 30324
Woodland Hills Subdivision
$620,970
Single Family Home For Sale
Pending
3
BED
4
TOTAL BATHS
2,574
SQFT
523 Broadview Lane
Atlanta, GA 30324
Broadview Place Subdivision
Price Change - 3 days ago
$558,040
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
1,905
SQFT
521 Broadview Place NE
Atlanta, GA 30324
Broadview Place Subdivision
$565,000
Single Family Home For Sale
Pending
3
BED
4
TOTAL BATHS
2,083
SQFT
1223 Hardee Street
Atlanta, GA 30307
Oxley Edgewood Subdivision
$550,000
Single Family Home For Sale
Pending
4
BED
4
TOTAL BATHS
1,922
SQFT
1223 Hardee Street
Atlanta, GA 30307
Oxley Edgewood Subdivision
New Listing - yesterday
$571,286
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
1,914
SQFT
622 Broadview Terrace NE
Atlanta, GA 30324
Broadview Place Subdivision
New Listing - 2 days online
$542,224
Single Family Home For Sale
Active
3
BED
4
TOTAL BATHS
2,015
SQFT
620 Broadview Terrace NE
Atlanta, GA 30324
Broadview Place Subdivision
$555,333
Single Family Home For Sale
Pending
3
BED
2
TOTAL BATHS
2,045
SQFT
616 Broadview Terrace NE
Atlanta, GA 30324
Broadview Place Subdivision
Price Change - 3 weeks ago
$569,900
Single Family Home For Sale
Pending
3
BED
4
TOTAL BATHS
2,048
SQFT
621 Broadview Terrace NE
Atlanta, GA 30324
Broadview Place Subdivision
$676,072
Single Family Home For Sale
Pending
3
BED
4
TOTAL BATHS
2,850
SQFT
571 Broadview Place NE
Atlanta, GA 30324
Broadview Place Subdivision
Price Change - 3 days ago
$593,389
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
1,905
SQFT
573 Broadview Place NE
Atlanta, GA 30324
Broadview Place Subdivision
$599,000
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
1,673
SQFT
278 Lindbergh Drive NE
Atlanta, GA 30305
Garden Hills Subdivision
$719,900
Single Family Home For Sale
Active Under Contract
4
BED
6
TOTAL BATHS
3,342
SQFT
910 King Street
Atlanta, GA 30318
West Town Subdivision
$710,673
Single Family Home For Sale
Pending
4
BED
4
TOTAL BATHS
3,039
SQFT
914 King Street
Atlanta, GA 30318
West Town Subdivision
$679,900
Single Family Home For Sale
Pending
4
BED
4
TOTAL BATHS
3,039
SQFT
915 King Street
Atlanta, GA 30318
West Town Subdivision
$674,597
Single Family Home For Sale
Pending
3
BED
4
TOTAL BATHS
2,651
SQFT
919 King Street
Atlanta, GA 30318
West Town Subdivision
$686,753
Single Family Home For Sale
Pending
3
BED
4
TOTAL BATHS
2,651
SQFT
1470 Fairmont Avenue
Atlanta, GA 30318
West Town Subdivision
$678,840
Single Family Home For Sale
Active Under Contract
3
BED
4
TOTAL BATHS
2,673
SQFT
1484 Fairmont Avenue
Atlanta, GA 30318
West Town Subdivision
$735,000
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,656
SQFT
946 Longley Avenue NW
Atlanta, GA 30318
Howell Station Subdivision
$512,900
Single Family Home For Sale
Active Under Contract
3
BED
4
TOTAL BATHS
1,800
SQFT
81 Hutchinson Street NE
Atlanta, GA 30307
Edgewood Subdivision
$599,000
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
668 SE Bryan Street
Atlanta, GA 30312
Grant Park Subdivision
Open House Sat, Jan 23, 1 PM UTC
Please verify times due to COVID-19
$600,000
Single Family Home For Sale
Active
4
BED
2
TOTAL BATHS
1,700
SQFT
1717 Defoor Avenue NW
Atlanta, GA 30318
Underwood Hills Subdivision
$1,550,000
Single Family Home For Sale
Active
5
BED
5
TOTAL BATHS
4,528
SQFT
1437 Woodland Hills Drive
Atlanta, GA 30324
Woodland Hills Subdivision
New Listing - a week online
$789,000
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
3,000
SQFT
135 Mayson Avenue NE
Atlanta, GA 30307
Edgewood Subdivision
$674,900
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
2,650
SQFT
1336 George W Brumley Way SE
Atlanta, GA 30317
Edgewood Subdivision
$649,000
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,300
SQFT
1180 Baylor Street NW
Atlanta, GA 30318
Howell Station Subdivision
$539,999
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
2,300
SQFT
1315 Wylie Street SE
Atlanta, GA 30317
 
$464,900
Single Family Home For Sale
Pending
4
BED
4
TOTAL BATHS
2,063
SQFT
85 Mayson Avenue
Atlanta, GA 30307
Edgewood Subdivision
$1,095,000
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
3,276
SQFT
1261 Bernadette Lane NE
Atlanta, GA 30329
Lavista Park Subdivision
$724,900
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
2,503
SQFT
561 Connally Street SE
Atlanta, GA 30312
Grant Park Subdivision
New Listing - 4 weeks online
$699,900
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
2,629
SQFT
165 Crumley Street SE
Atlanta, GA 30312
Grant Park Subdivision
New Listing - 4 weeks online
$724,900
Single Family Home For Sale
Pending
4
BED
4
TOTAL BATHS
2,497
SQFT
161 Crumley Street SE
Atlanta, GA 30312
Grant Park Subdivision
$374,500
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
988 Desoto Street NW
Atlanta, GA 30314
Washington Park Subdivision
New Listing - yesterday
$979,000
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
3,365
SQFT
322 Pavillion Street SE
Atlanta, GA 30315
Grant Park Subdivision
$436,000
Single Family Home For Sale
Active
2
BED
2
TOTAL BATHS
696 Arcos Way SE
Atlanta, GA 30315
Summerhill Subdivision