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Currently for sale in the U.S.

"Where every home is fabulous!"

Currently for sale in the U.S.

"Where every home is fabulous!"

Currently for sale in the U.S.

"Where every home is fabulous!"

Currently for sale in the U.S.

"Where every home is fabulous!"

Currently for sale in the Caribbean

"Where every home is fabulous!"

Currently for sale in the U.S.

"Where every home is fabulous!"

Currently for sale in the U.S.

"Where every home is fabulous!"

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Buyer Assistance

buyer_assistance

While it may be acceptable to snap up a pair of shoes on an impulse, the choice to buy a home requires thoughtful planning and decision making.

Whether you’re becoming a homeowner for the first time or you’re a repeat buyer, buying a home is a financial and emotional decision that requires the experience and support of a team of reliable professionals including a REALTOR®, a lender, a lawyer and a range of other individuals.

Why Do You Want to Buy a Home?

The emotional part of the decision comes into play when you think about why you want to move. If you’re a first-time buyer, you need stability in your career and the desire to commit to living in the same community for five to seven years. You should want to establish roots in a neighborhood and look forward to decorating as you please without requiring a landlord’s permission.

Purchasing a home is a lifestyle choice that requires you to think about how you like to spend your time and the type of community where you want to live—such as a rural area without nearby neighbors, a high-rise building in a city or a home within a planned community with recreational amenities.

The more you understand your priorities for a home, the easier it will be for you to narrow your real estate decisions.

Homeownership can also be a powerful way to increase your personal wealth for you and your family, since you’ll be building equity in your home as you pay off your mortgage.

Are Your Finances Ready for Homeownership?

While your dream home may not be within your reach right away, you can take steps to become a homeowner the moment you earn your first paycheck.

In order to qualify for a mortgage to buy a home, you’ll need good credit, a pattern of paying your bills on time while still saving money and a maximum debt-to-income ratio—your gross monthly income compared to the minimum payments on all recurring debts—of 43% or less. Some lenders have stricter guidelines, so the lower your debt-to-income ratio, the better your chances of a loan approval.

While loan programs are available with low down payments of 3.5% to 5%—and a few programs offer no down payment at all—you’ll still need some savings to pay for closing costs, moving expenses and an earnest money deposit on a home. It also is very wise to have cash reserves on hand after you buy.

Saving money and preserving or improving your credit history are essential elements to homeownership.

What Can You Afford to Buy?

Housing prices and rents vary from one location to another, but you can use Rent vs. Buy calculator to estimate the difference between your current rent and buying a home. In some markets, buying a home can cost the same or even less than renting.

Remember, when you’re a homeowner, you also need to include homeowners insurance, property taxes and homeowners association dues in your housing costs. You can use  home affordability calculator to help you estimate what you can pay for a home.

In addition, you should think about your plans for the future and how you spend your money—along with your comfort level with a mortgage payment. A lender will tell you how much you can borrow, but that lender won’t know how much you spend on travel or golf or your plans for potentially reducing your work hours when you have a family.

Once you’ve thought through the emotional and financial aspects of becoming a homeowner, your next steps Fabulous Homes International Realtor to become your partner in the home-buying process and to meet with a reputable lender who can discuss your options for financing your purchase.

In a real estate transaction, the seller works through a Sales Agent to market and sell a property. The Sales Agent is legally obligated to represent that seller’s interests.

If you are in the market to buy, then feel free to enlist the services of one of our Proficient Buyer’s Agent to represent your needs. In Georgia, the law requires a signed Buyer Agency Agreement to enlist our services. To learn more  how we can assist you through a buyers agency relationship, please fill out the following form. We will contact you as soon as possible about this valuable service.

Buyer(s) Wish List

Email (required)
First Name (required)
Last Name (required)
Address line 1 (required)
Address line 2
City (required)
State (required)
ZIP code (required)
Years at this home (required):
Home Phone (required):
Work Phone :
Cell Phone:

Motivational (optional yet helpful if answered)

Reason for move:
Desired possession date:
Is this date flexible?
If not, why?
Moving From
Referral service
Do you need to sell your present home before moving to the next home?
Present Home: Listed $
Sold $
Equity $
Closing date (mm/dd/yyyy)
How long have you been looking for a home?
Have you seen any homes you like?
If yes, why didn’t you buy?
Are you looking for homes with any other sales associates? (required)
Have you ever bought a home before?

Authority

Does anyone else need to be consulted prior to you buying a home? (required)
If yes, please explain:

Housing Information

What do you like about your present home?
What would you change about your present home?
Do you have any hobbies, interests, lifestyle factor that would affect your housing needs?
Do you anticipate any changes that may affect those needs?

What are your basic features desired? (Required)

Bedrooms
Bathrooms
Style
Lot size
Others
Wants
Needs
Desires
Availability to look at homes DaysEveningsWeekends