Attention Rome Georgia: If you missed our Valentine’s Giveaway don’t fret! We have another one coming up soon! Stay tuned and follow me on Facebook to be the first to know!
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Ayers Realty, LLC
807 Shorter Ave. Rome, Georgia 30165
If you haven’t had the chance to see the video tour of Panhead City in beautiful Rome, GA yet, here’s your chance! Click the link below! #panheadcity #ayersrealty #panhead #romega
Coming soon to the market in Rome, GA a hidden treasure Panhead City! Garage/workshop, storage building & cabin situated on 6+/- acres with road frontage on hwy 53! More details to come!
Check out this blog by BH&G for tips on home maintenance and which projects to tackle yourself or hire out.
Q: What is a final walk-through? Why should I do one before purchasing a home? Is it typical to do one?
A: A final walk-through is a last viewing of the home usually done shortly before closing. Yes, it is absolutely typical and highly suggested! If you are the seller, don’t be alarmed, this is a normal process for the buyer. It is not to go through and try to find something wrong with the house that went unnoticed before, it is simply to make sure the house is the same as it was throughout the purchasing process. If you are the buyer, check for the soundness of the home; that there aren’t any unforeseen damages or changes that have happened since you last saw it. Don’t forget to double check any repairs the seller agreed to do if you haven’t already.
For instance, an empty home could be a target for break-ins or theft. When purchasing a home that has been vacant for some time it is extremely important to make sure it has not been broken into, damaged or had anything stolen before closing on the home.
Also, you never know what could happen in the time between offering, inspection, loan process to closing date. If it gets too cold and the water isn’t running, the pipes could burst and flood the home. Of course, you want to make every effort to avoid something like this, but sometimes things happen. There could be a storm or a tree fall on the home. You just really never know what could happen. It’s always better to be safe than sorry. It would be very upsetting/stressful to close on your new home and afterward find that something has happened and have an immediate insurance claim to file or a delay in your move.
I recommend doing a final walk-through with your Realtor the day of closing, if possible.
For more home buying and selling tips follow my blog or email or call me anytime! I help home buyers and sellers all over the Northwest Georgia area. My real estate office at Ayers Realty is based in Rome, GA. Thanks for reading!
Q: I’ve made a New Years Resolution that 2017 is the year I become a homeowner. What do I need to do to ensure I meet my goal? What do I need in order to buy a home?
A: First of all, congrats on establishing a wonderful and attainable goal for yourself! I know you can do it and here are some steps that will help you get ready!
- Find out your credit score and improve it! You will need a good credit score in order to secure a loan to purchase a home. Your credit does not have to be perfect, but it will need to be good (typically over 600) to get a loan. The best way to find out what score you will need and how to meet it is to speak with a lender.
- Start saving for a down payment now. The more down payment you have, the better off you will be. The down payment combined with your credit score shows your lender you are responsible enough to loan a large sum of money to for a home. It will be easier to qualify for your loan and could help you get a better interest rate! Don’t forget you will also need to save for closing costs, unless you can get a seller to contribute toward them.
- Don’t miss any bills/payments in the coming months and don’t buy anything new on credit. If you need to build your credit, typically you will be advised to get a credit card to use toward things you already purchase (gas, groceries, etc.) and pay it off every month. Don’t go buy a new car, furniture, etc. on credit. It will affect what is called your “debt to income ratio” and will make it more difficult to qualify for a loan. You want to show the lender you are stable and can afford your monthly payment.
- Start to study your local market now. No need to scour the web for homes daily. Just contact a local realtor, like myself, and we can answer questions you have and set you up to receive the most up to date data to help your search. The market is changing daily, but if you start seeing what is on the market in your price range early, you will know what to expect when you are ready to go look at homes. A good realtor can help you become a more informed buyer upfront, so you know what to keep an eye out for when your home search gets to be serious business!
I hope this helps answer some of your questions! Feel free to comment below. If you or someone you know needs help navigating the home buying process, please email or call me!
Here are some great tips on updating your home! A little change here and there can really make the difference. Start thinking of little projects now, so you can be ready for the spring market! It’ll be here before we know it!
If you ever want advice on what to change or update in your home before putting it on the market, feel free to give me a call!
Q: I’m a first-time home buyer. I feel so lost! What is my first step to buying a home?
A: Buying your first home can be very exciting, but also confusing and daunting! You’re very first step in purchasing a home will be to contact a lender to get prequalified. It’s very easy and takes little time. They will ask you some questions about your finances and let you know how much you qualify for. They will let you know the price range you should look in and give you an idea of what your payments will be. The lender will also give you a letter, so that your Realtor can show sellers you are a serious and qualified buyer!
This will help save you a lot of time and effort, because you will have a better idea of what you can afford before starting your home search. It’s heartbreaking to fall in love with a home only to learn that you cannot afford it. On the other hand, you may not realize you can afford more than you think! The lender will also let you know what information and documents you should start gathering, so when you are ready to purchase it will be an easier process all around!
You can speak with any bank or lender about getting prequalified. For a full list of recommendations of some great lenders I have worked with in the past, please email me at email@example.com.
I hope this has been informative for you. Feel free to comment or ask me a question below! I hope to help guide you through this exciting process!