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Isabel's News Blog

By Isabel Elsesser, R.E. Pro | Agent in Lawrenceville, GA
  • FHA Trims Waiting Period for Borrowers Who Experienced Foreclosure

    Posted Under: Quality of Life in Lawrenceville, Home Buying in Lawrenceville, Credit Score in Lawrenceville  |  August 23, 2013 7:35 AM  |  1,190 views  |  No comments
    FHA is allowing borrowers who went through a bankruptcy, foreclosure, deed-in-lieu, or short sale
    to reenter the market in as little as 12 months, according to a mortgage letter released Friday.

     Borrowers who experienced a foreclosure must wait at least three years before getting a chance to get approved for an FHA loan, but with the new guideline, certain borrowers who lost their home as a result of an economic hardship may be considered even earlier.

    For borrowers who went through a recession-related financial event, FHA stated it realizes “their credit histories may not fully reflect their true ability or propensity to repay a mortgage.”

    In order to be eligible for the more lenient approval process, provided documents must show “certain credit impairments” were from loss of employment or loss of income that was beyond the borrower’s control. The lender also needs to verify the income loss was at least 20 percent for a period lasting for at least six months.

    Additionally, borrowers must demonstrate they have fully recovered from the event that caused the hardship and complete housing counseling.

    According to the letter, recovery from an economic event involves reestablishing “satisfactory credit” for at least 12 months. Criteria for satisfactory credit include 12 months of good payment history on payments such as a mortgage, rent, or credit account.    DSnews.com

    Need to sell or buy a home call 770-307-8751

  • Seeking Sellers in Metro Atlanta, GA that want to sell at a Good Price!

    Posted Under: Home Selling in Lawrenceville, Remodel & Renovate in Lawrenceville, Moving in Lawrenceville  |  June 13, 2013 10:22 AM  |  1,726 views  |  No comments

    TV show is looking for homes in the Atlanta area to be featured on their show. 

    They are currently looking for families who want to sell their home this year and for top dollar, but realize that their house needs an upgrade to look it's best before they put it on the market.   

    This is a great opportunity and it helps you sell your home faster.

    Give me a call today to see if you can qualify for this wonderful opportunity.

     
     

    Contact me today!!

    Serving Metro Atlanta & North Metro Atlanta


    Isabel Elsesser, Realtor
    First United Realty

         Save Time & Money!

    www.Facebook.com/ga.homes
    www.isabelsnewhomes.com
    www.Buford.georgiamls.com
    Direct  770-307-8751

    Fax 888-799-3184
    Full Time from 1993-2013

  • THE LOWDOWN ON “FOR SALE BY OWNERS”

    Posted Under: Home Selling in Lawrenceville, Curb Appeal in Lawrenceville, Moving in Lawrenceville  |  March 7, 2013 1:51 PM  |  951 views  |  No comments

     Studies have shown that buyers spend less time in a for-sale home and do feel intimidated if the owner is present during the showing. They are shy about discussing its pros and cons with their own agent if the owner is within earshot. Buyers are less inclined to make an offer if they know they will be negotiating directly with the seller. Having an agent on each of the two sides creates an effective emotional buffer between the seller and buyer.

     

    I have noticed that FSBOs are more likely to stumble into legal trouble. Real estate transactions are fraught with potential liability for unwary sellers, particularly in states that have extensive disclosure requirements. A FSBO who overlooks even one required form or legally mandated disclosure could face a protracted and expensive buyer lawsuit after the transaction closes.

     

    FSBOs typically overprice their home. Like most homeowners, most FSBOs honestly believe their own home is worth more than comparable homes in the same neighborhood. Usually, they're wrong. A real estate agent can provide an update on market conditions, an assessment of the likely selling price of the home and tips for improving the home's buyer appeal. Overpricing a for-sale home is a sure way to deter potential buyers.

     

    The array of problems that can occur is as varied as the people that participate in the real estate market, some are reasonable and easy to fix and some are anything but. One of the most important things to know about selling your home is that in order to sell it you must get people in to see it, remember your home is competing with all other homes on the local market. The biggest challenge to selling your home is getting people in the door. Doing that is mostly a function of competitive pricing, timely price adjustments and advertising and if you do all these things properly then they should come. If your home presents as well as or better than the others the buyers have seen then you have a fighting chance.

     

    After all of the concerns of dealing with or without an agent are resolved, you must consider things like who will know what papers are required for a sale, what laws, such as disclosures requirements need to be observed, how is a settlement agent contracted, what papers do they need, the list goes on and on. In truth many of these questions are not difficult, but fear of the unknown is what gives people pause.  Don't take a chance hire an expert!


    Isabel Elsesser, Realtor
    First United Realty

         Save Time & Money!

    www.facebook.com/ga.homes
    Full Service Marketing
    www.Buford.georgiamls.com
    Direct  770-307-8751

    Fax 888-799-3184 
    Full time selling 1993-2013


  • Feeling Festive in Gwinnett! Need To Sell or Buy Before The Holidays!

    Posted Under: Home Buying in Lawrenceville, Home Selling in Lawrenceville, Foreclosure in Lawrenceville  |  October 31, 2012 10:49 AM  |  364 views  |  No comments

    Feeling Festive in Gwinnett!

     

    Gwinnett Performing Arts Center



    The Forgotten Carols

    NOV. 12-13


    MORE INFO

    BUY TICKETS



    A Very Grinchy Christmas

    NOV. 17


    MORE INFO

    BUY TICKETS

     

    Northeast Atlanta Ballet presents The Nutcracker
    NOV. 23-25

    MORE INFO

    BUY TICKETS



    Gwinnett Ballet Theatre presents The Nutcracker
    DEC. 1-16

    MORE INFO

    BUY TICKETS

     

     

    The Arena at Gwinnett Center








    The Story Tour

    NOV. 25


    MORE INFO

    BUY TICKETS

     


    Jingle Jam

    DEC. 13


    MORE INFO


    BUY TICKETS

    12 Gifts of Christmas
    DEC. 16

    MORE INFO

    BUY TICKETS


    Isabel Elsesser, Realtor
    First United Realty

         Save Time & Money!

    www.isabelsnewhomes.com
    www.Buford.georgiamls.com
    Direct  770-307-8751

    Fax 888-799-3184
    Over 25 Million SOLD



  • Ranch Home Full Brick Front - 4/3 Only 125k

    Posted Under: Home Buying in Lawrenceville, Foreclosure in Lawrenceville  |  October 17, 2012 1:40 PM  |  355 views  |  No comments

    After doing my usual previewing of properties today I came across an exceptional value.
    For anyone looking to purchase a ranch home features include Big open kitchen and
    breakfast, new wall to wall carpeting, vaulted ceilings, separate living and dining room, 2nd floor bonus room and loft. Fenced backyard, one of the best school district's in the county.   Move in condition. Located in an upscale subdivision.  Call me today before it is gone.

    Free buyers agent!


    Isabel Elsesser, Realtor
    First United Realty

         Save Time & Money!

    www.isabelsnewhomes.com
    www.Buford.georgiamls.com
    Direct  770-307-8751

    Fax 888-799-3184
    Over 25 Million SOLD



     

  • What is happening in Gwinnett County this week

    Posted Under: Quality of Life in Lawrenceville, Home Buying in Lawrenceville, Home Selling in Lawrenceville  |  October 1, 2012 8:28 AM  |  450 views  |  No comments

    header

     

     October 1st- 7th

     

    In This Issue

    Next Week's Events

    Next Week's Events

    Future Events

     

     

     

























    Dear Lawrenceville Resident,  

     

     

    Rock'n Rib Fest is Saturday from Noon to Nine on the Square! 

     

     

    THIS WEEK

     

     

    October 1st - October 31st:

    Sunday - Thursday at 7:30pm; Friday & Saturday at 7:00pm &9:00pm- Lawrenceville Ghost Tours, Aurora Theatre

     

    Thursday, October 4th- Sunday October 7th-Betrayal, Aurora Theatre 

     

    Friday, October 5th - First Friday Downtown Lawrenceville- Stay tuned for all of the specials!

      

    Saturday, October 6th 10:00AM- Public Safety Fall Festival & Community Craft and Neighborhood Yard Sale,  Coolray Field

     

    Lawrenceville Tourism & Trade Association Bring You: Saturday, October 6th NOON -9:00PM- Rock'n Rib Fest! 

    9:00AM- Rock'n Rib 5k, presented by Tutus for Tatas & Fleet feet Sports 

     

     

    Sunday, October 7th, 5:00PM- 

    Gwinnett Reads 2012-Natasha Trethewey, Part of Fall Into The Arts , Georgia Gwinnett College/ Student Center

     

     

     

    NEXT WEEK

     

     

    October 1st - October 31st:

    Sunday - Thursday at 7:30pm; Friday & Saturday at 7:00pm &9:00pm- Lawrenceville Ghost Tours, Aurora Theatre

     

    Thursday, October 11th- Sunday October 14th-Betrayal, Aurora Theatre 

     

    Friday, October 12th, 6:30PM-9:00PM- Cat Eye Night Hike, Rhodes Jordan Park Community Recreation Center

    Saturday, October 13th, 11:00AM- 
    Fall Fashion Fling and Luncheon, Lawrenceville Senior Center- Rhodes Jordan Park 

     

    Saturday, October 13th, 10:00AM- Robin Hood, Aurora Children's Playhouse 


     

     

     

     

    FUTURE EVENTS

     

    Saturday, October 20th 10:00AM- 

    The Juggler Bieber Show, Aurora Children's Playhouse

    Friday, October 26th 6:30PM-8:30PM- 
    Halloween Father Daughter Dance, Gwinnett Historic Courthouse 

      

     

     

     


    Isabel Elsesser, Realtor
    First United Realty

         Save Time & Money!

    www.isabelsnewhomes.com

    www.Buford.georgiamls.com
    Direct  770-307-8751

    Fax 888-799-3184
    Over 25 Million SOLD



     


     

    Lawrenceville Tourism & Trade Association

    P.O. Box 642 Lawrenceville, Georgia 30046

    678-226-2639

     

  • First Friday Downtown Lawrenceville, GA

    Posted Under: Home Buying in Lawrenceville, Home Selling in Lawrenceville, Foreclosure in Lawrenceville  |  September 6, 2012 11:08 AM  |  448 views  |  No comments

    Lawrenceville Ghost Tours

     

     

    Tour time: 8:30PM,  Tour begins at Aurora Theatre

    Lawrenceville Ghost Tour (Walking Tour): Come take a 90-minute scary stroll around the beautiful historic courthouse square and by storefronts restored to their turn-of-the-century charm.


    On the scary stroll you will:

    • Learn about the night that the dead walked down the main street of Lawrenceville
    • Hear about bizarre paranormal events that have happened recently in the businesses that line the square
    • Step inside the Old Jail and perhaps experience paranormal activity for yourself. 

    Tickets available at the Aurora Theatre Box Office

    Reservations: 678-226-6222

    www.scarystroll.com

     

    Afric Art

    Head Tie Demonstrations, Promoting natural hair and natural hair products! (For more information call: 678-381-1585)

    www.africartgallery.com

     

     

    The LONA Gallery

    Open til 8PM, 10% off Sterling Silver Jewerly!

    (More information call: 678-340-2223)

     

    Magnolia's

    Open til 9PM, They will have a book signing with Gordan Lawrence, owner of Lawrence Design Group located on the square.  The book is a wonderful gift for someone for the holidays; full of wonderful quotes!

    (More information call: 404-736-6605)

     

    Niko's Wine Corner

    Innis & Gunn Tasting

    6:00PM-8:00PM;  Cost:$ 8

    Niko's is doing a beer tasting of Innis & Gunn. (For more information:Click here) 

     

    SoJe Emporium

    Super Summer Blowout Sale!  Open til 9PM 

    (More information call: 678-377-7195)

    Sparkle!

    Open til 9PM,  Buy one get one 1/2 price: All Sparkle 

    original pendants! 

    (More information call: 770-237-9260)

     

    Restaurants:

     

    Cosmo's Little Italy Pizza  - open til 10PM

    Dominick's - open til 10PM

    La Cazuela - open til 10:30PM

    Local Republic - open til 11PM

    McCray's Tavern on the Square - open til 2AM - Live Music!

    Oyster Bay - Open til 11PM

    Sweets on the Square - Open til 8PM

     

    Saturday: Fair on the Square!

    Fair on the Square

     

     

    Lawrenceville Tourism & Trade Association

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