To pay for your share of your home, you can either use cash or take out a mortgage. Most mortgage lenders will require a minimum deposit of 5%–10%, however, there are a few lenders out there that offer 100% mortgages on shared ownership properties, meaning you may be eligible for a mortgage with no deposit at all.

• The Mortgage Promissory Note.
• The Mortgage / Deed of Trust / Security Instrument.
• The deed (for property transfer).
• The Closing Disclosure.
• The initial escrow disclosure statement.
• The transfer tax declaration (in some states)

For sellers, it can also be advantageous to pre-sign all necessary documents to expedite the funding process on the day of closing. Although it is often thought of as customary for sellers to wait to sign until after the buyer has signed, this is unnecessary and can delay the process.

How many times to look at a house before buying? Ideally, four to six viewings should be sufficient. Attending two to three visits inside, with a realtor and/or appraiser, and another two to three visits scouting the house and neighborhood independently, from the outside, may be a good approach.

Here we’ve outlined some of the reasons different months can turn out to be the best time to buy a house for you: January to March. Winter isn’t such a bad time to buy a house. Though there’s less inventory — meaning there are fewer homes for sale — there are fewer home buyers too, so you have less competition.

Don’t take photos without permission

There’s a lot to take in when viewing a house and taking pictures can be a good way to make sure you don’t miss anything or avoid getting mixed up between properties if you‘re viewing more than one house. But don’t take pictures without permission.

Greet buyers with simple plants that bring your front steps to life.

1. Mow your lawn like a pro.
2. Hide cords out of sight.
3. Stash “extras” in bins.
4. Put away personal items.
5. Use mildly-scented cleaning products.
6. Take out the trash.
7. Accent with natural aromas, if any at all

Bottom line, yes, your loan can be denied after a ‘clear to close. ‘ It’s up to you to keep everything the same that is within your control to ensure that you still have the loan you want.

A home can still be shown, even if you have a contract signed by the seller. If inspections, the appraisal and your mortgage approval go as planned, the home is as good as yours because you‘re under contract. … However, a seller can‘t cancel on you simply because they receive a better offer.

The answer is yes. Lenders pull borrowers’ credit at the beginning of the approval process, and then again just prior to closing.

So, the answer is yes, as long as you have assets to cover the amount you put on the credit card or have a low enough Debt to Income Ratio, so that adding a higher payment based on the new balance of the credit card won’t put you over the 50% max threshold.

Houses in Atlanta probably cost somewhat less than those in the northeast or on the west coast because the labor pool is less expensive (and less thoroughly unionized), but the real difference is the cost of the land under the house.

Georgia is one of the best places to live as evidenced by the 100,000 new residents that move here every year. The big cities are overrated and overpriced! People love our laid back culture, good food, and clean air. You can come down here and walk in a park or experience a historic Georgia town.

To afford that (defining “afford” as not paying more than 30 percent of one’s income on housing costs), an Atlanta renter would have to make $41,240 a year – which is a “housing wage” of $19.83 an hour. The state average for this housing wage is a bit lower, at $17.53 per hour, or $36,459, according to the NLIHC.