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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 - 17 hours online
$1,495,000
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
3,200
SQFT
792 Argonne Avenue NE
Atlanta, GA 30308
Midtown Subdivision
$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
Active
5
BED
6
TOTAL BATHS
4,794
SQFT
727 Courtenay Drive NE
Atlanta, GA 30306
Morningside Subdivision
Open House Sun, Dec 6, 3 PM UTC
Please verify times due to COVID-19
$3,295,000
Single Family Home For Sale
Active
5
BED
6
TOTAL BATHS
6,400
SQFT
18 Polo Drive NE
Atlanta, GA 30309
Ansley Park Subdivision
$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
New Listing - 21 hours online
$1,849,000
Single Family Home For Sale
Active
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
$1,807,700
Single Family Home For Sale
Active
4
BED
5
TOTAL BATHS
7 Brattle Drive NE
Atlanta, GA 30324
Morningside Subdivision
$1,887,300
Single Family Home For Sale
Active
4
BED
5
TOTAL BATHS
1786 Croften Drive NE
Atlanta, GA 30324
Morningside Subdivision
$1,808,100
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
1781 Croften Drive NE
Atlanta, GA 30324
Morningside Subdivision
New Listing - a week online
$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
$2,350,000
Single Family Home For Sale
Pending
6
BED
6
TOTAL BATHS
6,592
SQFT
1742 Pine Ridge Drive NE
Atlanta, GA 30324
Morningside Subdivision
Price Change - yesterday
$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
$1,685,000
Single Family Home For Sale
Active
6
BED
7
TOTAL BATHS
10,000
SQFT
1871 Windemere Drive NE
Atlanta, GA 30324
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
$1,599,000
Single Family Home For Sale
Active
6
BED
6
TOTAL BATHS
5,129
SQFT
1231 Reeder Circle NE
Atlanta, GA 30306
Morningside Subdivision
Short Sale
$850,000
Single Family Home For Sale
Active
5
BED
5
TOTAL BATHS
2,752
SQFT
957 Briarcliff Road NE
Atlanta, GA 30306
Druid Hills Subdivision
$2,495,000
Single Family Home For Sale
Pending
6
BED
7
TOTAL BATHS
5,800
SQFT
1731 Wildwood Road NE
Atlanta, GA 30306
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 - 20 hours online
$1,198,000
Single Family Home For Sale
Active
6
BED
5
TOTAL BATHS
4,500
SQFT
1377 Briarcliff Road NE
Atlanta, GA 30306
Druid Hills Subdivision
Open House Sun, Dec 6, 1 PM UTC
Please verify times due to COVID-19
$1,324,000
Single Family Home For Sale
Active
5
BED
4
TOTAL BATHS
3,534
SQFT
2048 Fairhaven Circle NE
Atlanta, GA 30305
Peachtree Hills Subdivision
$1,699,000
Single Family Home For Sale
Active
4
BED
6
TOTAL BATHS
4,069
SQFT
1785 Noble Drive
Atlanta, GA 30306
Morningside Subdivision
$1,849,000
Single Family Home For Sale
Active
5
BED
6
TOTAL BATHS
5,844
SQFT
1783 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
 
$1,595,000
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
4,500
SQFT
1626 Clifton Terrace NE
Atlanta, GA 30307
The Cottages at South Ponce Subdivision
$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
Active Under Contract
3
BED
4
TOTAL BATHS
2,608
SQFT
1316 Boyd Avenue
Atlanta, GA 30318
West Town Subdivision
Open House Sat, Dec 5, 11 PM UTC
Please verify times due to COVID-19
$682,940
Single Family Home For Sale
Active
3
BED
4
TOTAL BATHS
2,608
SQFT
1318 Boyd Avenue
Atlanta, GA 30318
West Town Subdivision
$699,000
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,467
SQFT
1136 Boulevard Drive NE
Atlanta, GA 30317
Reynoldstown Subdivision
New Listing - 3 weeks online
$925,000
Single Family Home For Sale
Active
5
BED
4
TOTAL BATHS
3,350
SQFT
1109 Ralph Road NE
Atlanta, GA 30324
Woodland Hills Subdivision
New Listing - 3 weeks online
$620,970
Single Family Home For Sale
Active
3
BED
4
TOTAL BATHS
2,574
SQFT
523 Broadview Lane
Atlanta, GA 30324
Broadview Place Subdivision
$609,900
Single Family Home For Sale
Pending
3
BED
4
TOTAL BATHS
2,539
SQFT
509 Broadview Place NE
Atlanta, GA 30324
Broadview Place Subdivision
$548,646
Single Family Home For Sale
Pending
3
BED
4
TOTAL BATHS
2,032
SQFT
507 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
$588,900
Single Family Home For Sale
Pending
3
BED
4
TOTAL BATHS
2,502
SQFT
516 Broadview Lane NE
Atlanta, GA 30324
Broadview Place Subdivision
$555,333
Single Family Home For Sale
Active
3
BED
2
TOTAL BATHS
2,045
SQFT
616 Broadview Terrace NE
Atlanta, GA 30324
Broadview Place Subdivision
$559,990
Single Family Home For Sale
Active
3
BED
4
TOTAL BATHS
2,048
SQFT
621 Broadview Terrace NE
Atlanta, GA 30324
Broadview Place Subdivision
$544,900
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
2,074
SQFT
576 Broadview Place NE
Atlanta, GA 30324
Broadview Place Subdivision
Price Change - a week ago
$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
$679,900
Single Family Home For Sale
Active Under Contract
4
BED
4
TOTAL BATHS
3,039
SQFT
915 King Street
Atlanta, GA 30318
West Town 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
Active Under Contract
4
BED
4
TOTAL BATHS
3,039
SQFT
914 King Street
Atlanta, GA 30318
West Town Subdivision
$674,597
Single Family Home For Sale
Active
3
BED
4
TOTAL BATHS
2,651
SQFT
919 Luther Street
Atlanta, GA 30318
West Town Subdivision
Price Change - 2 weeks ago
$686,753
Single Family Home For Sale
Active Under Contract
3
BED
4
TOTAL BATHS
2,651
SQFT
1470 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
New Listing - yesterday
$512,900
Single Family Home For Sale
Active
3
BED
4
TOTAL BATHS
1,800
SQFT
81 Hutchinson Street NE
Atlanta, GA 30307
Edgewood Subdivision
New Listing - 3 weeks online
$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 - 3 weeks 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
Active
5
BED
3
TOTAL BATHS
2,650
SQFT
1336 George W Brumley Way SE
Atlanta, GA 30317
Edgewood Subdivision
$950,000
Single Family Home For Sale
Pending
5
BED
4
TOTAL BATHS
3,100
SQFT
1871 Woodland Hills Avenue NW
Atlanta, GA 30318
Underwood Hills 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
 
New Listing - 4 weeks online
$464,900
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
2,063
SQFT
85 Mayson Avenue
Atlanta, GA 30307
Edgewood Subdivision
New Listing - 4 weeks online
$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 - 2 weeks online
$699,900
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
2,497
SQFT
161 Crumley Street SE
Atlanta, GA 30312
Grant Park Subdivision
$1,575,000
Single Family Home For Sale
Active
4
BED
6
TOTAL BATHS
4,200
SQFT
1120 Kingsley Circle
Atlanta, GA 30324
Lavista Park Subdivision