BUYER Education

House financing is completely different from any other financing. When you buy a car, you choose the car first and then get financed. Car financing only takes about 15 minutes, super easy, and completely stress-free...unlike mortgage financing.

When you buy a house, you get financed BEFORE choosing the house. Property financing is more complicated and can take several days to weeks. Sellers will not wait for you to get financed, and most will not allow you to see their house if you do not  have proof of financing.  Also, some Sellers will not accept certain types of loans, so it would be time wasted to see those houses.

If you don't know where to start with financing, just ask me for a list of lenders that have different programs for different circumstances. Then you can choose who suits your needs the best.  I want my clients to get the BEST DEAL!

I'll email you Listings of properties actively For Sale from the Realtor's FMLS and GaMLS with the criteria you desire. You can review  these  listings  online and pick out the ones you want to see in person. I will then schedule the showings and meet you at those particular properties for your private showings.

I will write your offer on GAR Contract Legal Documents and submit it to you to electronically click-&-sign online.  You will not have to talk to the Seller or their agent, and you will only be dealing with me. I will be the one speaking to the Seller's agent on your behalf, negotiating the best possible deal for YOU.

If the Seller accepts your offer, you have 3-5 days to submit your Earnest Money Check, which is 1% of the home's purchase price. Your Due Diligence Period also begins and is generally between 5-7 days to have the Inspection to see the property's overall condition. During these days, you can back out and get your Earnest Money back for any reason. 

Escrow is the period for your financial institution to get everything in order with your loan for you to purchase the property. Cash buyers usually close within 10 days, while loans close in about 30 days, depending on your loan type.  

We will meet at the Closing Attorney's Office for you to sign all the legal documents in person. Please bring a government ID and your loan will be Ready-to-Close. This is when you get the keys to your new house.