Good Faith Estimate for buying a home in GA

Northeast Atlanta Homes For Sale

Buying a Home is a BIG Investment...Can't Afford a Mistake?...REAL ESTATE PLANNING is the Answer!

"Northeast Atlanta Real Estate For Sale - What Really Counts when You are Buying or Selling Real Estate?...Experience Counts! Knowledge Counts! Honesty Counts! Professionalism Counts! Marketing Skills Count! Negotiating Skills Count! Listening Counts! Your Needs Count! Understanding Your Needs Counts! Trust Counts! YOU Count!...Everything Counts when You are Buying or Selling Real Estate!"

Every Home Buyer MUST KNOW THIS BEFORE looking for a home!

You, of course, are getting pre-qualified for your loan before you look for a house, right? Right! AND, you must receive, by law, a Good Faith Estimate of what your payment will be, the interest rate, the mortgage program, the closing costs, escrow amounts, pre-paid interest, PMI, etc., from your lender. You MUST know what it all means to you! NOW, STARTING 2008, YOU MUST BE PRE-APPROVED FOR A LOAN PRIOR TO MAKING AN OFFER! This means that the financing contingency no longer exists in the Georgia Purchase Agreements!

Basic Rules for you to follow...
1. Every buyer needs to make sure they are pre-approved, not just pre-qualified, BEFORE LOOKING FOR A HOME in Georgia!
2. Don't fall for a lender's laziness of having you fill out an online application and then telling you how much of a loan you are qualified for! Ask me about reaching a Mortgage Planner.
3. Don't Assume that you ONLY qualify for the LOAN PROGRAM you were qualified under! Ask your Mortgage Planner what options are available to you based on your plans for the future.
4. Don't fall for a INCOMPLETE OR INACCURATE GOOD FAITH ESTIMATE! How do you know whether it is incomplete or inaccurate? You not only need a complete and accurate Good Faith Estimate, but you need to understand it!

Time to get your answers! From one of my clients, "When we sat down at the closing table, the settlement statement said that we needed to give them $485 that day! We were planning on getting that amount back at closing, not dish it out. Janet reviewed it and found some errors. When the settlement statement was corrected, we were getting back $596! We would never have known it if Janet had not been there!"

For an explanation of the Good Faith Estimate so that you understand it when you apply for a loan AND at closing, order the following:

		What are all the NUMBERS to Buy Your House? You Must Know! This report will explain all the elements of the closing statement, as well as a Good Faith Estimate you receive when you apply for a loan which explains the numbers used to qualifiy you so that you know the price of home you can buy. You need to understand the numbers so you can check for errors and over-charging!
		MORTGAGE FACTORS Calculate your prinipal and interest portion of your payment based on interest rate. This is for those who want or need to do it themselves! Impress your friends! It's easy! Rates from 4.25% to 12%.


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Janet Gaye Carpenter, Virtual Properties Realty
"You can reach me personally...anytime!"
Email Me ... Phone (770) 822-1400 ... Toll-Free 1(877) 621-MOVE (6683)

REAL ESTATE PLANNER
CERTIFIED REAL ESTATE MARKETING EXPERT, NEGOTIATING EXPERT, REO SPECIALIST
"Experienced Homeowner & Homebuyer ADVOCATE To Represent YOUR INTERESTS!"

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This website, or any other real estate site on the internet, does not have knowledge of Georgia local laws, legal forms & contracts, or market conditions for the area you may be trying to buy or sell a property. It cannot make judgements based on experience, and thus; cannot consult with you or give you advice. It cannot research for the data you need to know to make a wise decision, and it does not care how you interpret the data that it provides. It does not represent your interests during negotiations, nor have the experience to do so. It does not truly understand your personal needs, wants and goals, and it certainly does not care about you and where you end up. You need an Experienced Real Estate Professional for all these things that cannot be done on the internet! Contact me today!

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