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Self-Employed Buyers: Things to Consider for Your Mortgage Application

Mortgage qualification years ago required minimal paperwork for self-employed buyers. Any buyer, especially self-employed buyers with an average credit score and a social security number could qualify for financing without income documentation. But things changed after the mortgage meltdown and housing crash that started in 2008. Now lenders are a bit more cautious about approving […]

Atlanta Real Estate Tip: Don’t Be the Carnie Rube!

In any industry, it is common for businesses and customers to get stuck in the same pattern of buying and selling, and it can completely disrupt the industry when an innovative idea is offered in the market. “Carnie Rube” was a term that was coined in the 19th century, and this slang phrase was commonly […]

Back To School: All I Want Is My Trapper Keeper

It’s officially back-to-school time in the state of Georgia which means polishing up the old routine of making lunches, doing homework, and the frantic mornings of getting everyone on the bus or into the carpool on time.    It is also that time of the year where you are going to begin stocking up on school supplies if you haven’t it done so already.  All I can remember from my childhood and teen years was my mom taking me to the local K-Mart to pick up a few Bic pens, some No. 2 Ticonderoga pencils, and my color coded Trapper Keeper to organize my classes.   Nowadays we’ve got an entirely different routine with school systems providing lists instructing us to practically buy an entire shopping cart of school supplies. This year, my two middle school children have lists both in excess of thirty items that were ‘necessary’ for them to get.   It seems every year the list gets larger and larger.  So what can you do to save money when it…

Entrepreneur Series – Lesson 3 – Know Your Role As The Owner

As an entrepreneur starting a new business, you often have to wear the hat of cook, dishwasher, accountant, and general manager.   However, one of the biggest mistakes a young owner will make is not quickly clarify their role within the organization.   Far too often, new entrepreneurs will try to control every aspect of a new business which inevitably slows the growth of the organization.  In some cases, it can make hiring and training new people so difficult it can be destructive to the success of a company. One of things I recommend to new business owners is to draw a T chart with one axis being things you like to do and one access being tasks that you are good at.    What you should quickly try to figure out in the early stage of a new company is to list all of the items that you are good at and those tasks that you like to do.    After figuring out this critical piece of analysis, you should begin to try…

Pending Home Sales Up Again!

Pending Home Sales for July increased by 3.2%, more than double the expectations of 1.5%, and representing the sixth consecutive monthly gain…the longest streak on record. In this article, we will discuss Pending Home Sales Up Again! While it’s nice to finally hear some positive news about the housing sector – let’s remain cautious in […]

The Importance of A Final Walk Through When You Are Buying

A final walk through in a home is a buyer’s right that should never be waived. Buyers of a home that have not yet taken physical possession of a home still have a right to the property. That right is an called an “Equitable interest.” This article is about The Importance of A Final Walk […]

How to get the best deal during negotiations

The “best deal” is always subjective to the buyer’s interpretation of what a good deal is… Some buyers need a specific closing date, others need closing costs and some need personal items. How you get the best deal when you are a buyer is simple. Don’t make the seller mad.  This article discusses How to […]

Reasons to become a homeowner.

When I was 25, I purchased my first home. It seemed to be the right thing to do and I thought that it was definitely the next step in life. Everyone follows the steps, right? You know the steps, college, find a job, get married, buy a home, and have a kid… Well, I did […]

Your Credit Score is a Numerical Summary of Your Credit Report

Your Credit Score is a Numerical Summary of Your Credit Report by John Adams from the Atlanta Journal-Constitution HomeFinder In the world of home lending, there’s almost nothing quite so important as your credit score. Your three digit score, as much as any other part of your application, determines whether or not you will be […]