I would treat your transaction as if it were my own, so when it comes to obtaining a mortgage, I would tell you to:
Scrutinize your credit report
Clean up any discrepancies
Be prepared to explain to creditors any negative hits
Obtain letters from past creditors that clear any negative hits
Supply these letters to the three major credit bureaus to either have the discrepancy removed or have the letter attached as further documentation
Credit Bureau: Equifax, Experian, TransUnion
Shop 'til you drop for the right mortgage
Understand ALL $$$ costs associated with your loan
Understand the terms of your loan
If I were your Real Estate Agent and you were my Buyer - I would tell you to contact me with questions and ask me for referrals of competitive and reputable mortgage lenders.
I welcome the opportunity to be your Real Estate Agent: Please read more about Buyer Representation.
Donna Yates, Georgia Realtor
North Georgia Blue Ridge Mountains
Mountain Investments of North Georgia
706-633-0644 cell
donna@ellijay.com
www.move2northgeorgia.net
Copyright: Donna Yates, Georgia Realtor, North Georgia Blue Ridge Mountains January 2008
Updated 1-27-08 to add the three major credit bureaus
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Georgia Realtor assisting home buyers and sellers with North Georgia Homes nationwide. Specializing in real estate in the North Georgia Blue Ridge Mountains.
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The Real Estate Team at Mountain Investments of North Georgia, Blue Ridge Edited
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Home Away From Home in the Blue Ridge Mountains of North Georgia
North Georgia Mountain Happenings April 2008
North Georgia Blue Ridge Mountain Market Watch February 2008
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Great post and advice, a real keeper....is that to the tune of "if I were a carpenter and you were my lady"????
Great post Donna! I love the way you incorporated all the clip art and pictures into it!
Cute:) The tune running through my head when I was reading this was "If I was your woman and you were my man", lol! (I used to love the Carpenter/lady song though, many years ago:)
Nic post today....thanks,
Patricia Aulson/Hampton NH Real Estate www.patricia4realestate.com
Very nice spin on giving some great advice. And very well presented too. Good post.
Ok, I want that kitty... that's just way too cute...
David: You guessed it - I had that tune in my head all day long which prompted the title for this post! I guess I should have mentioned it in the post. I started too and then didn't. I appreciate your comment very much.
Mary: The cat and the cartoon dollar are my favorites. I try not to overuse them but the cat is just too adorable! Thank you so much for your comment.
Karen: I don't know why that tune kept running through my mind today but that's what prompted the title of this post. Don't you just hate it when you can't get a tune out of your head but in this case, it inspired me to write this post, so I'm glad for that. Thank you for your comment.
Patricia: Thank you for stopping by and leaving a comment. I appreciate it.
Derrick: Thank you for your comment. Writing this post actually helps me when I go to do some refinancing before too long. I really like the FDIC's worksheet.
Robert; The cat is a winner for sure! The picture alone says it all doesn't it? Thank you for your comment.
Hi Donna - what a great post for buyers, and with that great advice, they'd do very well to work with you. I love that graphic, too!!
Ann
Ann: Thank you for your comment. This has actually been helpful to me too. I really like the FDIC's worksheet.
Donna, the FDIC worksheet is convenient and the FDIC link provides a wealth of information. Thanks for the link.
Donna, that's a great way to set yourself apart from the others! I loved all the images and detail about your services.
I love this, Donna. Excellent information for buyers and wonderful graphics.
Derrick: I'm glad you found that link useful. I know it was very helpful to me as well. Thank you for your comment.
Ray: Thank you for your comment. I actually learned a few things from writing this post. The kitty is my favorite and I use it whenever I can. It's one of those pictures that say it all without having to say anything. LOL
Margaret: I appreciate you stopping by and thank you so much for your comment.
Hey Donna- this was a great post, very nicely presented, and great graphics....Great Job!
Hi Donna!
Great fact sheet for how to pick a broker. I use something like that with every client I meet.
Happy Selling
Tony
Alecia: Thank you for your comment, I very much appreciate your thoughts.
Tony: This has become an important tool in my toolbox. Thank you for your comment.
Donna,
I don't think you left out anything, that might be the most comprehensive and best list I've ever seen.
Cynthia; Thank you very much for you nice comment.
Excellent post that does a premier job of laying it out for buyers. You could print this and use it as a hand out to new home buyers.
Judi: Your comment is greatly appreciated. Thank you.