I have noticed that the self-employed who are actually appropriately qualified are finding that getting a loan is a bit difficult. The no-doc loans have been painted with a broad brush by the media and some political circles as being a nasty product but, but for those of you who are self-employed know, it's the only product you can use to qualify. If you can't wait for the no-doc loans, are unable to to fully document your income and are looking to purchase or re-finance soon, it's important that you go above and beyond to document and prove your credit-worthiness. You should provide contracts, bill payment history, and any tax information you have. The key is to be creative—be active in your attempt to convince the lender that you are a low-risk borrower, in spite of your inability to fully document your income.
Some say the overcorrection to the lending industry has missed the real issue. I believe the elimination of a particular type of loan does not solve the problem. Various types of mortgages are needed to meet the needs of diverse borrowers. The real disaster occurred not because of one type of loan but instead because of a lack of accountability—the lender making the loan wasn't necessarily concerned if the loan defaulted because these risky mortgages were pushed off lenders' books and packaged up and sold to third parties.
President Obama has also proposed a plan to help overhaul the financial regulatory system. This would require lenders to retain a portion of the loans they originate.
* To find out what mortgage products are available to you, please contact Cameron Crossman!
Are you looking for a real estate professional who understands what your needs are? Need someone who is knows what your property's marketable audience is? A licensed broker who has been in the horse business his whole life.
Most people know that Georgia is "The Peach State." You may not realize that Georgia also boasts a state amphibian, bird, wildflower, marine mammal and insect. If you're going to call Georgia your home, then it's time to study up on some facts:
The Green Tree Frog is the state amphibian
The Azalea is the state wild-flower
The Right Whale is the state marine mammal
The Tiger Swallowtail is the state butterfly
The Vidalia union is the official state vegtable
The peanut is the state crop
The Gopher Tortoise is the state reptile
The shark tooth is the state fossil
The Brown Thrasher is the state bird
The Largemouth Bass is the official state fish
The Best Real Estate Services in the Atlanta, GA Metro area is Cameron Crossman!
(GEORGIA STATE FLAG)
FACTS YOU SHOULD KNOW!
Hello and welcome to Atlanta! Did you know that Atlanta is the fastest growing city in the United States (total population). A glorious shinny city with some of the most interesting history in the United States. Atlanta is known as the birth place of the civil rights movement. Dr. Martin Luther King started the worldwide "Civil Rights" movement here in Atlanta. He had the support of many black and white leaders in this gigantic undertaking. Atlanta's 100 year history of interracial harmony between blacks and whites helped draw the 100 year "Centennial Olympic Games" to Atlanta in 1996. Did you know the games were held only two (2) miles from where Dr. King preached. The Margaret Mitchell House is a museum to a book about the Antebellum South, "Gone With The Wind". This book is the most printed novel in the history of the world!!!
Atlanta is the only city in North America that has been destroyed by fire as an act of war. The Etowah Indian burial grounds tell of the powerful Cherokee and Creek American Indians who once dominated the Atlanta area. Metro Atlanta is a thriving high tech business community with more fiber optic cable than any other city in the United States. Atlanta attracts new business every day! Atlanta is one of the cleanest cities in the U.S. as well. Delta pilots (Delta Airlines originated in Atlanta along with CokeCola, CNN, and other corporate giants) say that Atlanta is the "Greenest" city in the United States. Many large oak trees line the streets. From the air these trees create a blanket of green.
For the best real estate services in Atlanta, GA. Click here!
Olde Atlanta Club is one of Forsyth County, Georgia's premier golf club communities. Located along the panoramic Chattahoochee River valley and just two miles from North Fulton County, Olde Atlanta is a beautiful sidewalk community of some 640 homes on 594 acres. Running through the community is the challenging semi-private 6,789-yard Old Atlanta Golf Course, which was designed by the renowned architect Arthur Hills. This championship golf course has earned accolades for its many exciting and beautiful golf holes. The handsome homes in the community were built by Centex Homes between 1993 and 2000. Olde Atlanta has many wonderful amenities including a large clubhouse, two swimming pools, six tennis courts and a big tot lot. Residents actively compete on some 14 ALTA league teams and the neighborhood is blessed with an array of social and civic groups. Children from the Olde Atlanta Club attend Settles Bridge Elementary, South Forsyth Middle School, and South Forsyth High School.
Average Price range: $260,000 to $550,000.
Associate Broker at Prudential Georgia Realty
Front and Center of Atlanta's Real Estate Market!
Hello Everybody! My philosophy of the business is simple. Be thorough, forthright, honest and professional and make sure all my clients know they have a friend who cares about and understands their needs. With our changing real estate market, I feel that it's very important to make sure I am working the hardest, to effectively market my client's inventory of properties AND to stay on top of the latest government & state incentives to increase my buyer's buying power. As a well trained and experienced negotiator, 10 years experience, and a licensed Broker; I can show you how I can save you time, thousands of dollars, and headaches. I strive to provide the highest level of service and integrity.
Types of Properties I sell: All residential intown, suburbs, or rural homes. Condominiums. Water front, golf and country club communities, new construction and custom built homes. Raw land and all types of farms. Foreclosures & Short Sales. Commercial Property Referrals.
I work with the following Asset Management Companies & Banks: Main Street Valuations, Land America, Clear Capital, Home Steps (Freddie Mac Reo), Light House Real Estate Solutions, Lamco, Green River Capital, USRES, and Old Republic Default Management Services. I am also a member of ReoTrans.com and ReoNetwork.com.
I serve the following cities: Atlanta, Alpharetta, Buckhead, Dunwoody, Roswell, Sandy Springs, Smyrna, Marietta, Buford, Cumming, Duluth, Gainesville, Lake Lanier, Lawrenceville, Snellville, Suwanee, Woodstock, Canton, Newnan, Lithonia, Conyers and Covington.
I also serve the following counties: Fulton, Dekalb, Cobb, Cherokee, Forsyth, Hall, Dawson, Gwinnett, Coweta, Rockdale and Newton.
*With so many uncertainties about choosing the right Realtor, please contact me and allow me to provide you past client references.
Atlanta, Georgia is my home. I love it, and I want you to love it, too!
Personal: In my free time, I ride, train and show Quarter Horses across the United States. Something I've been doing since I was 5 years old! I have two dogs: Odie, my 16 year old Jack Russell, and Preston, my 3 month old mini Australian Shepherd.
Do you have any good testimonials that clients have provided you in the past? Be sure to add them here.
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