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When Buying a Home in Atlanta, What are the most important requirements?When Buying a Home in Atlanta, What are the most important requirements?

The decision to purchase a home is probably among the biggest decisions you will ever make in your lifetime, so to give you a good starting point, I have outlined the basics that you need to know before you start to look for your dream home:

  1. Get your credit in order: You may think you are ready to buy your first home in Atlanta, but you know what your credit score is? Do you know what types of loan are available to you? A credit score will determine the interest rate your will be paying on your mortgage. A minimal score of 620 is required to purchase a home with an FHA loan program.  Most lenders prefer higher scores before making you a loan. To improve your credit score, get a credit report from any of the 3 credit bureaus an make sure your report is clean, if you see any unpaid debt or credit discrepancies, call and make arrangements to either pay It off or if it is a mistake, ask the credit bureau to remove it.  This will increase your credit score substantially. A credit score of 681+ is ideal to get a mortgage loan with a low interest rate.
  2. Income: Employment is one of the essentials to qualify to purchase a home. Your employment has to be continues for at least one year or more, if you have change employment in the last year, your current job has to be similar to the prior job to count as employment on the sale career. To consider all your income, make sure you have all pay stub checks, W-2 forms from all your employers including any bonus you have received.

If you have any other source of income such as dividends and interest income from your savings accounts, provide the most recent statements so this will be included on your income.

  1. Save for Down payment: In order to purchase your home, you have to come up with some money for down payment.  The minimal down payment you will need is 3.5% of the sales price if you are buying a home with an FHA insured loan. For conventional mortgage loans, you will need at least 5% for down payment.
  2. Pay your taxes: In order to qualify for a loan, most lenders will verify that you have paid your federal taxes for the last two years, if you haven’t done so, the lender will not give you a loan if your taxes are not paid.

These are the four more essential requirements to purchase a home in the Atlanta area.  If you meet these four basic requirements, you can move to the next step in the home buying process.

The next step in the home buying process is to speak with a loan officer to get a loan pre-qualified letter. At this point, the Lender will ask for documentation such as:

  • Bank Statements for the last 90 days
  • Pay check stubs for the last 30 days
  • Copy of your tax returns for the last 2 years
  • W-2 form for the last year if you are an employee
  • W-9 form is you are self employed
  • Complete a loan application
  • Employment verification form

Different lenders may ask for more documents, but the list above should get you started to get approved for a mortgage loan in Atlanta.

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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

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Atlanta Homes for Sale

New Listing - 3 weeks online
$3,150,000
Single Family Home For Sale
Active
6
BEDS
6
TOTAL BATHS
5,637
SQFT
773 Brookridge Drive NE
Atlanta, GA 30306
Virginia Highlands Subdivision
$1,579,000
Single Family Home For Sale
Active
5
BEDS
4
TOTAL BATHS
3,595
SQFT
1446 Monroe Drive NE
Atlanta, GA 30324
Morningside Subdivision
$1,999,900
Single Family Home For Sale
Pending
5
BEDS
6
TOTAL BATHS
4,387
SQFT
1050 Vance Avenue NE
Atlanta, GA 30306
Virginia Highlands Subdivision
Price Change - 4 weeks ago
$1,195,000
Single Family Home For Sale
Active
5
BEDS
4
TOTAL BATHS
3,455
SQFT
Old Fourth Ward #B
518 Rankin Street NE
Atlanta, GA 30308
Price Change - 4 weeks ago
$1,175,000
Single Family Home For Sale
Active
4
BEDS
5
TOTAL BATHS
3,452
SQFT
Old Fourth Ward #A
518 Rankin Street NE
Atlanta, GA 30308
New Listing - 2 weeks online
$798,500
Single Family Home For Sale
Active
3
BEDS
5
TOTAL BATHS
2,474
SQFT
420 Parkway Drive
Atlanta, GA 30308
Skyline At Parkway Subdivision
$1,948,000
Single Family Home For Sale
Active
6
BEDS
7
TOTAL BATHS
4,870
SQFT
1480 N Highland Avenue
Atlanta, GA 30306
Morningside Subdivision
$2,200,000
Single Family Home For Sale
Active
5
BEDS
6
TOTAL BATHS
5,100
SQFT
215 Camden
Atlanta, GA 30309
Brookwood Hlls Subdivision
$834,000
Single Family Home For Sale
Active
4
BEDS
4
TOTAL BATHS
2,605
SQFT
1821 Huntington Hills Lane NW
Atlanta, GA 30309
28th At Brookwood Subdivision
$1,500,000
Single Family Home For Sale
Pending
5
BEDS
5
TOTAL BATHS
4,010
SQFT
1252 Lenox Circle NE
Atlanta, GA 30306
Morningside Subdivision
New Listing - 3 weeks online
$1,649,000
Single Family Home For Sale
Active Under Contract
4
BEDS
6
TOTAL BATHS
4,069
SQFT
1785 Noble Drive NE
Atlanta, GA 30306
Morningside Subdivision
New Listing - 4 weeks online
$1,550,000
Single Family Home For Sale
Pending
3
BEDS
4
TOTAL BATHS
3,400
SQFT
1626 Clifton Terrace NE
Atlanta, GA 30307
Frederick Trust Subdivision
Open House Sat, Sep 25, 4 PM UTC
Please verify times due to COVID-19
$1,600,000
Single Family Home For Sale
Active
4
BEDS
5
TOTAL BATHS
3,400
SQFT
1626 Clifton Terrace NE
Atlanta, GA 30307
Frederick Trust Subdivision
$799,900
Single Family Home For Sale
Pending
4
BEDS
4
TOTAL BATHS
2,559
SQFT
Lake Claire #26
245 Colebrook Street NE
Atlanta, GA 30307
$572,619
Single Family Home For Sale
Pending
3
BEDS
4
TOTAL BATHS
2,053
SQFT
529 Broadview Lane
Atlanta, GA 30324
Broadview Place Subdivision
$620,970
Single Family Home For Sale
Pending
3
BEDS
4
TOTAL BATHS
2,574
SQFT
523 Broadview Lane
Atlanta, GA 30324
Broadview Place Subdivision
$568,040
Single Family Home For Sale
Pending
3
BEDS
3
TOTAL BATHS
1,905
SQFT
521 Broadview Place NE
Atlanta, GA 30324
Broadview Place Subdivision
$580,000
Single Family Home For Sale
Pending
3
BEDS
4
TOTAL BATHS
2,083
SQFT
38 Becker Place NW
Atlanta, GA 30307
Oxley Edgewood Subdivision
$565,000
Single Family Home For Sale
Pending
3
BEDS
4
TOTAL BATHS
2,083
SQFT
40 Becker Place NW
Atlanta, GA 30307
Oxley Edgewood Subdivision
$550,000
Single Family Home For Sale
Pending
4
BEDS
4
TOTAL BATHS
1,922
SQFT
42 Becker Place NW
Atlanta, GA 30307
Oxley Edgewood Subdivision
$581,838
Single Family Home For Sale
Pending
3
BEDS
3
TOTAL BATHS
1,914
SQFT
622 Broadview Terrace NE
Atlanta, GA 30324
Broadview Place Subdivision
$542,224
Single Family Home For Sale
Pending
3
BEDS
4
TOTAL BATHS
2,015
SQFT
620 Broadview Terrace NE
Atlanta, GA 30324
Broadview Place Subdivision
$626,540
Single Family Home For Sale
Pending
3
BEDS
4
TOTAL BATHS
2,636
SQFT
601 Broadview Terrace NE
Atlanta, GA 30324
Broadview Place Subdivision
$676,072
Single Family Home For Sale
Pending
3
BEDS
4
TOTAL BATHS
2,850
SQFT
571 Broadview Place NE
Atlanta, GA 30324
Broadview Place Subdivision
$603,389
Single Family Home For Sale
Pending
3
BEDS
3
TOTAL BATHS
1,905
SQFT
573 Broadview Place NE
Atlanta, GA 30324
Broadview Place Subdivision
$627,435
Single Family Home For Sale
Pending
3
BEDS
4
TOTAL BATHS
2,724
SQFT
597 Broadview Place NE
Atlanta, GA 30324
Broadview Place Subdivision
$886,490
Single Family Home For Sale
Pending
4
BEDS
5
TOTAL BATHS
2,705
SQFT
1529 English Street NW
Atlanta, GA 30318
West Town Subdivision
New Listing - 4 days online
$814,212
Single Family Home For Sale
Active
4
BEDS
4
TOTAL BATHS
2,705
SQFT
1485 English Street NW
Atlanta, GA 30318
West Town Subdivision
New Listing - 3 weeks online
$816,300
Single Family Home For Sale
Pending
4
BEDS
4
TOTAL BATHS
2,705
SQFT
1500 Reed Drive NW
Atlanta, GA 30318
West Town Subdivision
New Listing - 3 weeks online
$799,900
Single Family Home For Sale
Pending
4
BEDS
4
TOTAL BATHS
3,243
SQFT
1448 Fairmont Avenue
Atlanta, GA 30318
West Town Subdivision
$678,840
Single Family Home For Sale
Pending
3
BEDS
4
TOTAL BATHS
2,673
SQFT
1484 Fairmont Avenue
Atlanta, GA 30318
West Town Subdivision
$575,000
Single Family Home For Sale
Pending
3
BEDS
4
TOTAL BATHS
1,784
SQFT
91 Hutchinson Street NE
Atlanta, GA 30307
Edgewood Subdivision
$2,750,000
Single Family Home For Sale
Active
5
BEDS
5
TOTAL BATHS
7,721
SQFT
1410 Lavista Road NE
Atlanta, GA 30324
Lavista Park Subdivision
$539,999
Single Family Home For Sale
Pending
3
BEDS
3
TOTAL BATHS
2,300
SQFT
1315 Wylie Street SE
Atlanta, GA 30317
 
$675,000
Single Family Home For Sale
Active
5
BEDS
4
TOTAL BATHS
4,200
SQFT
1105 Faith Avenue SE
Atlanta, GA 30316
Ormewood Park Subdivision
Price Change - 2 weeks ago
$624,999
Single Family Home For Sale
Active
3
BEDS
4
TOTAL BATHS
1,850
SQFT
120 Woodbine Circle SE
Atlanta, GA 30317
Kirkwood Subdivision
Open House Sat, Sep 25, 6 PM UTC
Please verify times due to COVID-19
$850,000
Single Family Home For Sale
Active
4
BEDS
3
TOTAL BATHS
2,485
SQFT
155 Woodbine Circle SE
Atlanta, GA 30317
Kirkwood Subdivision
$1,860,000
Single Family Home For Sale
Pending
4
BEDS
6
TOTAL BATHS
3,995
SQFT
1263 Hopkins Terrace NE
Atlanta, GA 30324
Lavista Park Subdivision
Price Change - 2 weeks ago
$2,050,000
Single Family Home For Sale
Active Under Contract
4
BEDS
5
TOTAL BATHS
5,936
SQFT
1319 Hopkins Terrace NE
Atlanta, GA 30324
Lavista Park Subdivision
$799,000
Single Family Home For Sale
Pending
4
BEDS
4
TOTAL BATHS
2,595
SQFT
82 Clay Street SE
Atlanta, GA 30317
Kirkwood Subdivision
$1,150,000
Single Family Home For Sale
Active
5
BEDS
4
TOTAL BATHS
3,336
SQFT
1926 Trotti Street NE
Atlanta, GA 30317
Kirkwood Subdivision
$399,900
Single Family Home For Sale
Active
4
BEDS
3
TOTAL BATHS
1,765
SQFT
106 Morris Brown
Atlanta, GA 30314
Just Us Subdivision
$2,900,000
Single Family Home For Sale
Active
6
BEDS
7
TOTAL BATHS
5,500
SQFT
Buckhead #B
30 Habersham Way NW
Atlanta, GA 30305
$2,800,000
Single Family Home For Sale
Active
6
BEDS
7
TOTAL BATHS
5,500
SQFT
Buckhead #A
30 Habersham Way NW
Atlanta, GA 30305
$394,900
Single Family Home For Sale
Active
3
BEDS
3
TOTAL BATHS
1,311
SQFT
219 Tennessee Avenue SW
Atlanta, GA 30315
Mechanicsville Subdivision
$394,900
Single Family Home For Sale
Active
3
BEDS
3
TOTAL BATHS
1,311
SQFT
223 Tennessee Avenue SW
Atlanta, GA 30315
Mechanicsville Subdivision
$6,895,000
Single Family Home For Sale
Active
7
BEDS
9
TOTAL BATHS
9,278
SQFT
2845 Normandy Drive NW
Atlanta, GA 30305
Buckhead Subdivision
$409,900
Single Family Home For Sale
Active
3
BEDS
3
TOTAL BATHS
1,878
SQFT
701 Smith Street
Atlanta, GA 30310
Mechanicsville Subdivision
$950,000
Single Family Home For Sale
Active
4
BEDS
4
TOTAL BATHS
3,000
SQFT
293 Ormond Street SE
Atlanta, GA 30315
Grant Park Subdivision
$1,500,000
Single Family Home For Sale
Active
7
BEDS
7
TOTAL BATHS
672 Timm Valley Road
Atlanta, GA 30305
Peachtree Park Subdivision
$409,900
Single Family Home For Sale
Active
3
BEDS
3
TOTAL BATHS
1,879
SQFT
795 Cooper Street SW
Atlanta, GA 30310
Mechanicsville Subdivision
$1,500,000
Single Family Home For Sale
Active
4
BEDS
3
TOTAL BATHS
4,900
SQFT
163 Atlanta Avenue SE
Atlanta, GA 30315
 
$409,900
Single Family Home For Sale
Active
3
BEDS
3
TOTAL BATHS
2,230
SQFT
810 Cooper Street SW
Atlanta, GA 30315
Mechanicsville Subdivision
$450,000
Single Family Home For Sale
Active
3
BEDS
3
TOTAL BATHS
1,872
SQFT
931 Violet Street SE
Atlanta, GA 30315
Summerhill Subdivision
$425,000
Single Family Home For Sale
Active Under Contract
4
BEDS
4
TOTAL BATHS
3,700
SQFT
1484 Norris Place NW
Atlanta, GA 30314
Norris Place Subdivision
New Listing - a week online
$674,900
Single Family Home For Sale
Active
4
BEDS
4
TOTAL BATHS
2,308
SQFT
1775 Wenlock Avenue
Atlanta, GA 30318
 
$585,000
Single Family Home For Sale
Pending
4
BEDS
3
TOTAL BATHS
1,871
SQFT
811 Gresham Avenue SE
Atlanta, GA 30316
East Atlanta Subdivision
Open House Sun, Sep 26, 5 PM UTC
Please verify times due to COVID-19
$1,799,000
Single Family Home For Sale
Active
5
BEDS
7
TOTAL BATHS
995 Battle Creek Way
Atlanta, GA 30327
Buckhead Subdivision
Price Change - 4 weeks ago
$499,900
Single Family Home For Sale
Active Under Contract
4
BEDS
2
TOTAL BATHS
1,870
SQFT
802 Lowndes Avenue SW
Atlanta, GA 30310
Historic Adair Park Subdivision
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