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SHOPPING FOR YOUR HOME
KIM HOLT IS MY AGENT
SHOPPING FOR YOUR HOME
YOUR CONSIDERING BUYING A HOME
AN EXCITING TIME
10 THINGS YOU SHOULD DO 1. GET A REALTOR
2. GET A MORTGAGE PRE-APPROVAL
3. LOOK AT HOMES
4. CHOOSE A HOME
5. MAKE AN OFFER
6. GET HOME INSPECTION
7. GET AN APPRAISAL
8. GET FUNDING
9. GET INSURANCE
10. CLOSE ON YOUR NEW HOME
WHAT TO DO FIRST ?• DO I HAVE A STEADY INCOME - I JUST GRADUATED ?
• KNOW YOUR FINANCIAL SITUATION
• DO I HAVE A GOOD RECORD OF PAYING BILLS ?
• DO I HAVE A FEW OUTSTANDING LONG-TERM DEBTS ?
• I HAVE STUDENT LOANS , CAN I STILL PURCHASE ?
• DO I HAVE MONEY SAVED ? OR CAN I USE A GIFT?
• DO I HAVE THE ABILITY TO PAY A MORTGAGE EVERY MONTH, PLUS ADDITIONAL COST ?
PURCHASE OR RENT • BUY RENTING YOU ARE FREE OF MOST RESPONSIBILITIES
• LOWER INSURANCE PREMIUMS
• ABLE TO RELOCATE EASIER
• BUY PURCHASING YOU THE ARE BENEFITS
• BUILD EQUITY
• TAX DEDUCTION
WHAT’S AVAILABLE TO ME• SHOP FOR A HOME WHISH LIST - WHAT FEATURES DO YOU WANT?
• HOME-SHOPPING CHECKLIST? TAKE THIS LIST WITH YOU WHEN COMPARING HOMES
• HOMES FOR SALE (INCLUDING HUD HOMES)
• FIXER UPPERS- HOME PURCHASED AND REPAIR PROGRAMS ARE AVAIL
• DOWN PAYMENT ASSISTANCE PROGRAMS
• GA DREAM $5,000 DOWN PAYMENT ASSIST • MUST INCOME QUALIFY 1-2 PERSON LESS THAN $69,000 / 3 PERSON LESS THAN $79,000
• GOOD NEIGHBOR NEXT DOOR PORGRAM • TEACHERS
• OFFICERS
• NURSES
• FIREFIGHTER
FINDING A HOME • MANY PEOPLE START SEARCHING FOR A HOME ON THE INTERNET NOW
• LOCATE AN REALTOR TO HELP YOU WITH YOUR HOME SEARCH
• KNOW WHAT AREA YOU WANT TO LIVE IN
HOW DO I CHOOSE ?• FIRST KNOW WHAT TYPE OF HOME DO I WANT
HOME
CONDO
TOWNHOME
• PICK THE AREA THAT CLOSE TO YOUR SOCIAL CIRCLE
COMPARE AND CHOOSE • WHEN POSSIBLE TAKE AS MANY PICTURES AS POSSIBLE
• LOOK AT AS MANY HOMES AS YOU CAN – AT LEAST 15
CONTRACT TO CLOSE • MAKE AN OFFER
• YOU AND YOUR AGENT DECIDE ON AN OFFER PRICE
• WHAT IS EARNEST MONEY?
• GET AN INSPECTION
• GET AN APPRAISAL
• HOME WARRANTIES
• CLOSING TABLE
PALMER HOUSE PROPERTIES & ASSOCIATES
THANK YOU KIM HOLT
PALMER HOUSE PROPERTIES & ASSOCIATES
404-388-0569
WWW.KIMHOLTISMYAGENTC.COM
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