Home Buying Checklist: Preparing to Buy a Home in North Georgia is Not as Difficult as You Think
If you are not familiar with the home buying process, it is easy to be intimidated by all of the paperwork and documentation needed. There is really no need to be stressed or worried, though. In fact, if you work with the right team of professional Realtors in North Georgia, the home buying process is really quite a breeze!
If you are ready to join the 65 percent of Americans who are already homeowners, contact the experienced team of Realtors at Southern Select Properties in North Georgia to get started. We can help you connect with a reputable mortgage lender and help you find the perfect house in your price range to call home. Here is a helpful home buying checklist of things to do to prepare to buy a home in North Georgia.
North Georgia Home Buying Checklist
- Select a Realtor – Choosing an experienced real estate professional in North Georgia to assist you with your home buying purchase is an excellent idea. It not only helps to make the home buying process easier; it also puts someone in your corner to work and negotiate on your behalf. Licensed Realtors have access to all North Georgia homes for sale and even inside information about the local market, which is great for negotiating, etc. An experienced North Georgia Realtor can also recommend other professionals you will need to work with including mortgage lenders, inspectors, closing attorneys and more.
- Know Your Credit Score – The first thing you need to do when you decide to buy a home in North Georgia is to ensure your credit score is good enough to obtain financing from a mortgage lender. Having a good credit score ensures your lender that you have proven yourself to be financially responsible and “creditworthy.” Your credit score is important because it allows lenders to determine the percentage rate of your home loan. The higher the credit score, the lower the interest rate. It is also a good time to fix any issues or errors. Simply contact the reporting credit bureau directly to have them delete or correct any incorrect information. Any issues need to be corrected before applying for a home loan.
- Choose a Mortgage Lender for Pre-Approval – Once your credit report has been checked and cleared of any errors, it is time to choose a lender for pre-approval. An experienced mortgage lender is important for a stress-free home buying process and will work with you to pre-qualify you for a mortgage and let you know how much they are prepared to lend you, based on your credit score, income, debt, etc. You will then receive a pre-approval letter indicating that you are qualified to purchase a home within your pre-approved mortgage amount. With this letter, you are qualified and ready to purchase a home and you are now ready to make offers when you see a North Georgia home you like.
- Browse Online Home Listings from Your Realtor – Your North Georgia Realtor is here to make your home buying process as easy as possible. In addition to in person showings, take advantage of the internet, as it is a wonderful tool, especially when it comes to new home shopping! Use it to your advantage to browse homes for sale in North Georgia. Your Realtor can send you customized listings and alerts when a home in your price range comes up for sale. Searching for homes on the internet is such a convenient way to narrow down your home search and save valuable time by checking out the houses for sale from your couch! Try it now here FREE!
Southern Select Properties – Your Experienced North Georgia Realtors
Buying a North Georgia home is an exciting adventure and the team at Southern Select Properties is here to help! We are the right team to help you find the best home, get the best price, and live happily ever after! Contact us today to get started! There is no cost to home buyers for our services!
