Our office is located in Suwanee, Bcooney67, and it is indeed a "nice" area. There are numerous neighborhoods that would likely fit the majority of your criteria. If I may ask a couple of questions, however, such as what is your monthly housing budget, are you choosing public or private schools for your 11 year old, and where will your daily commute(s) take you? Please call, text or email if we may help further. Good Luck!
To use your husband's income, he will have to be on the mortage and he will need to have a sufficient credit score and history. With a 598 credit score, you are going to need to spend the next several months working on your credit. For an FHA mortgage, most lenders have required a 640+ credit score since 2008/2009.
Prospect Mortgage is one of the few direct lenders to offer an FHA 580-639 FICO loan program. Credit profile is a major factor in a mortgage approval. Generally, there should be no late payments, new collections accounts/charge-offs/liens/judgments in the last 12 months. It is required that all open collection accounts must be paid in full if their cumulative balances exceed $1,000.
The 3.5% minimum down payment can be from the borrowers own funds or it can be gifted from a family member. Two months of reserves for the PITI (Principal + Interest + Taxes + Insurance) payment + HOA Dues will be required. This must be from the borrower’s own funds and not a gift. FHA loans will allow a seller contribution toward closing costs/pre-paids of up to 6% of the sales price.
You will also need a verified 12 month on time housing history. This will need to be verified by either 12 months of cancelled check or by a Verification of Rent from your management company.
Also, a loan amount that low would probably not be possible. At Prospect Mortgage, we do not have a minimum loan amount, except for renovation mortgages. All Renovation Mortgages do require a $50K minimum loan amount. While other loan programs do not have a set minimum loan amount, all mortgages must pass the various Federal and State fee compliance tests for predatory lending. Generally, loan amounts under the lower $30K's will not pass those required tests.
Once you are ready to purchase, working with a knowledgeable and seasoned loan officer is critical in today's market. Getting Pre-Qualified is the only way for you to find out your options. To get Pre-Qualified for your purchase, you can submit your request online at www.rodneymason.com to get started.
Rodney Mason, NMLS #151088
Sr Loan Officer
825 Juniper St NE, Atlanta, GA 30308
Office: (404) 591-2453
Apply Online at www.rodneymason.com
Licensed in Alabama & Georgia with over a decade of mortgage lending experience.
Prospect Mortgage offers a full selection of mortgage programs including:
Conventional | FHA | FHA 580-639 FICO | FHA 203(k) Renovation (Streamline & Consultant) | HomePath® | HomePath® Renovation | HomeStyle® Renovation | VA | USDA | GA Dream | Jumbo Financing.... more
Duluth and Suwanee are good areas, your price range is a little expansive and would be better to narrow it down to say, 200-275. you can find good properties on this range.
Suwanee schools rank better on Greatschools.net but I dont know if schools are of importance to you.
I would like to get other questions asked if possible. Hablo Español.
my cell is 678-575-0656.... more
I am not particularly familiar with them. However there are a few things I will say about buying a newly constructed home.
1.use your agent and do not deal directly with the onsite agent. Your agent will get a commission split form the seller so there is no cost to you. Several things that the agent needs to help you consider such as what will future development in and around the neighborhood be like, review the neighborhood covenants, get you comparisons to other similar neighborhoods and more.
2. Get a home inspection!!!!! Just because it is new does not mean it is all correct. Every single new home that I have ever sold has needed some type of correction after the home inspection. Sometimes minor and some items were fairly significant. One home home had roof trusses that apparently were broken in shipping. Everything might be perfectly fine while you own the home but when you go to sell those things that were incorrect will show up on that buyers inspection and at that point you own them and are responsible for repairs.
Please let me know how I can help. Thanks... more
I believe the answer will depend on the discharge date, the type of bankruptcy, your credit scores and some other personal information that should not be shared over the internet. I would recommend that you contact and be guided by one of Georgia's non-profit housing counseling agencies. You can also reach out to the National Foundation for Credit Counseling (NFCC.org) or Credability.com for more, unbiased answers.
Hope that helps.
REALTOR® / HUD-Certified Affordable Housing Counselor - Keller Williams Realty Atlanta Partners
(678) 775-2677... more
The market is strong here so properties are moving quickly, but I would recommend that since you are moving here from out of town that you start to look at homes to get a good idea of the types of homes that are available. That will help you when you are actually ready to come to town and start looking in earnest for a new home.
I would be happy to set you up on free listing alerts that will send you email links to homes that match your specific criteria. Feel free to email me or give me a call to get things started. Good luck to you in your move and I look forward to hearing from you soon!
Rick Musto, Realtor®, ABR®, SRES®
Buckhead Home Realty
Serving the Atlanta Metro Area
Ht, agents are not allowed to comment on 'safe'. It's best to research the neighborhood, check with the local police regarding stats and spend some time in that neighborhood. Ask neighbors, check offender websites, and gather info from trusted resources.... more
Your agent should be able to help you find a moving company. If not, I'd ask friends and family. From there move on to references from any business and social relationships you may have (e.g. banker, insurance agent, place of worship, clubs and/or organizations for which you are a member). Still nothing? I'd look for online reviews of companies in your area.
Best of luck!... more
First, you need the 75 hour prelicense course. After passing, you'll take a state exam. This will teach you all the legal information. Find a broker who will hold your license. Then, find a mentor to show you the ins and outs of real estate. Find a marketing strategy that works for you to bring in clients. Then, represent them well and they will become lifelong clients and send you referrals.
It's a bit costly, paying for your classes, exams, start up materials, dues (if you become a realtor), monthly office fees, and marketing, but if your good... You'll make it all back quickly. Feel free to call me if you'd like more in-depth answers... I'd be happy to help:) Good luck!
Greater Atlanta Realtors
You will need a Property Disclosure to get most of this info, Gstorm, and being that it is government owned that is not likely. Performing your own due diligence prior to making an offer would be prudent. Please call, text or email if we can provide further assistance. Good Luck!
The next time that someone or agent calls you, ask who the agent on the listing is (full name) and also ask the agent office phone number on the listing. From there you can call the main office and have them make the correction. I believe it may be a type-o error. If that does not work, ask the person who the agent full name is and just put it into Google and add realtor after the name. Information may come up. Regina Ambrose, Chapman Hall Realtors, 678-613-5636... more
I would recommend Academy Properties. They are located in McDonough and are a member of NARPM (National Association of Residential Property Managers).
Ask for Earlene Gardner, phone # - 770-957-9550 or email : email@example.com
Whoever you decide to use, make sure they are a NARPM member.
If you have any additional questions, call me eat: 678-488-0183
PowerHouse Property management... more
The square footage can be added to each listing according to what the tax records say or by what the owner tells us. It is up to the individual listing agent to do so. Same with the taxes. Thanks for putting this question out there. Maybe more agents will fill in these blanks for the benefit of our buyers wanting this information.... more
I think you have answered your own question. You can search for online reviews at BBB, Yelp, Kudzu other places. You are entering at least a one year relationship where it is difficult and expensive to move. Having a responsive, reputable, understanding and hands on property manager will make the difference in this period of your life being a good or a bad experience.
My firm manages 120 rentals, almost all are leased, we like glowing reviews from our tenants when an owner tours the property. Below is what we recommend in our why rent from us statement. Find a reputable and professional property manager with views like ours. There are many, I have no experience with Riverstone, but from your stated experience I'd move on.
Why Rent from Us
1. All of our properties are ready when you move in. We use insured professional vendors (painters, handymen, plumbers, carpet cleaners, etc) to ensure that your unit is in good condition. We inspect the work performed to ensure that everything is rent ready before you move in.
2. We provide you repair request forms, electronic repair requests through our website to ensure that we can receive your repair requests and other needs at any time.
3. Our phones are answered/responded to 24 hours a day to handle your emergency maintenance repairs.
4. We have 24-hour e-mail/text access so you can communicate with us at a time that is most convenient to you, even if it is after office hours
5. We provide detailed Move-in and Move-out Inventory forms for proper documentation of the condition of your rental to ensure you are not charged for damage that existed prior to moving in.
6. All deposits that are retained by us are kept in a FDIC insured bank for safe keeping until your tenancy has been completed.
7. We make paying your rent easy, accepting on line payments, and a drop slot.
8. Our office hours are 9 AM -- 5 PM, Monday through Friday, excluding normal holidays. For after hours, we have a mail slot in our suite door.
9. All the maintenance contractors sent to your home are insured professionals who must meet strict standards set by us. Many have been giving our tenants excellent service for many years.
10. When you sign your lease, you have a meeting with a property manager to go over all parts of the lease to help ensure that everyone is aware of their responsibilities under the lease.
11. We always provide advanced notice prior to entering your property.
12. All our Property Managers that handle leasing activities are licensed real estate professionals through the Georgia Real Estate Commission, our owners are REALTORS and a member of National Association of Residential Property Managers.
13. Our Company maintains memberships the Better Business Bureau of Metropolitan Atlanta (BBB), and Cobb County Chamber of Commerce.
14. We will treat you with the utmost respect.
15. Rent Credit 3% of your on time payments credited to home purchase through our agents.
RE/MAX Greater Atlanta
Success Real Estate Brokers, LLC
An Atlanta Real Estate Expert Serving Clients Since 1979
CRS, CRB, ABR, MSRE, CDPE, CIAS, e-PRO, ESQ
Certified Residential Specialist
Certified Real Estate Broker
Accredited Buyers Agent
MS Real Estate and Urban Affairs
Certified Distressed Property Expert
Certified Investment Agent Specialist
203K Certified Specialist
2050 Roswell Road
Marietta GA 30062
404-386-3682 Assistant Robin
678-760-6266 Buyer’s Agent Adam
The Linked In REALTOR