Tag Archives: savannah realtors

Happy Fourth of July!

4 Jul


Did you know …

that Thomas Jefferson was only 33 when he wrote the Declaration of Independence? That both Thomas Jefferson & John Adams–the only two signers of the Declaration who went on to be President–both died on July 4, 1826? That 155 million hot dogs will be eaten in the U.S. on July 4th alone? That the Liberty Bell, so it won’t crack, hasn’t been rung since 1846? That each year, it’s tapped 13 times in honor of the original colonies?

Whether you go all out at the Nation’s Capital and watch fireworks over the water, or have a humble backyard BBQ, be thankful for the country we live in and the patriots that make it all possible, daily.

Happy Fourth of July.

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Erin Rowley-Stoner is now an SRS designee!

20 Feb

It’s official. Erin has officially earned her SRS – Seller Representative Specialist designation. This designation is the premiere seller agency designation, conferred by the SRS Council, recognizing real estate professionals who have completed special education in seller representation. Translation: bring on the listing referrals!

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Breezy Buying Tips

14 Jan

8-515_Ocean_Breeze_hd All buyers, whether first time or very seasoned, should keep a few tips in mind that will help guide you in choosing the right agent, the right property, and a great lender. By doing so, your purchase will be a total breeze so you can fill your time doing the things you would rather be doing!

  •  Speak with a mortgage lender: This should be your first step in your home search. (Savvy buyers may consider being pre-approved with more than one lender). Need some good recommendations? Ask me!
  • Pre-Approved vs. Pre-Qualified: Ask to be pre-approved, instead of just pre-qualified. The approval holds more weight, and a savvy seller’s agent may consider this item in a multiple offer situation.
  • Learn about your loan: Are there geographical restrictions? What are the down-payment requirements? Are gift funds allowed? Are there pre-payment penalties? Ask your lender about the fine points of your loan.
  • Get a Realtor: Would you go to court unrepresented by an attorney? Would you consider surgery from a paramedic? It is very important to choose a Realtor. Realtors are licensed by the state and are bound by a code of ethics. They have continuing education requirements and are true professionals. Sellers and builders are represented by their agents, wouldn’t you want someone looking out for your best interests? Make sure your Realtor explains your agency options to you. (***extra savvy tip: look for an ABR – Accredited Buyer Representative***)
  • Start Online: This is obvious. Most buyers start their search online, but you should make notes about the properties you like. Include MLS numbers, addresses, and any questions you have up front. Narrow your search to your top five choices and begin your viewing that way.
  • Ask Questions: Do you know the tax information in the house you like? What is homestead exemption? When will my first payment be due? If there is anything on your mind, ask it!
  • DONT: It is very, very important that you don’t make any big purchases that could throw your debt to income ratios off. Don’t pay any bills off without asking your lender, as this may affect the reserve funds that are part of your qualification. Don’t open any new lines of credit… no new credit cards, and no new cars! Keep in mind, most lenders will check your credit at your initial application, during under writing, and may even do it again just before closing. Don’t quit your job! These may all seem obvious, but lots of buyers disqualify themselves by doing some of these things.
  • Insurance: See if the property you are considering requires any additional insurance, for instance a flood policy. Ask your insurance agent what your policy does not cover. Consider bundling your auto and home policies by the same companies for savings. If you need recommendations, I can help!

 

If you or anyone you know is considering a move, please put them in touch with me– I am a Relocation Specialist. I am an Accredited Buyer Representative and a Seller Representative Specialist. Also worth noting here is that 1 out of 7 mortgages is not current. If you or anyone you know is struggling to make their payments, please put me in touch with them. I can help! I am a Certified Distressed Property Expert and Certified Loss Mitigator. 

 

TIme is Running Out!

28 Oct

I wrote a blog awhile back that detailed the First time buyer tax credit, and I just wanted to let everyone know that time is running out. As of today you have exactly 33 days to get your financing in place, find a home, and close on it.
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If you are, or know any first time buyers in the Savannah area, please give me a call. There is still time to take advantage of what really is a buyers market. When have interest rates been this low? When has the government offered you thousands of dollars back at tax time to make a purchase you were already going to make? The answer is NOW!!! Did you know that you can own a home for less than you pay in rent? Did you know, most people begin to build long term wealth through home-ownership?

You have to act now to take advantage. Don’t kick yourself in December because you didn’t act on this opportunity!