I was going to buy a house in Utah, but I am relocating to Georgia. I qualify for a $300k loan. How is Stockbridge?

Asked by Cbanks512@msn.com, Arlington, TX Thu Jan 2, 2014

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Brendahope816, Home Buyer, New York, NY
Thu Jul 9, 2015
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Rodney Mason, Mortgage Broker Or Lender, Atlanta, GA
Fri Jan 3, 2014
If you are relocating and not familiar with the area, you will need to make sure your commute will be acceptable. Although thousands do the drive into Downtown, Midtown, or Buckhead every day, that may not be the most desireable.

When relocating to a new area and purchasing a home as a Primary Residence, there are several things to be aware of. All of the agencies (i.e. Fannie Mae, Freddie Mac, HUD) have minimum requirements for time on the job and starting a new job prior to your closing.

For someone who is salaried or hourly, you generally must be employed at least 30 days with the current or new employer. This is due to the fact that a pay stub reflecting at least 30 days of YTD income is going to be required prior to closing.

If you are paid by anything other than a W-2 (i.e. a 1099, self-employed, etc), then you must have 24 months of receipt of that type of income. Some exceptions are possible if your current employer switched your compensation from W-2 to 1099 or commission.

Closing on a mortgage prior to starting a new job with a new company is only considered on a case by case basis for certain fields. Generally, a non-revocable employer agreement confirming your new salary, position, and start date will be required.

For anyone who will be transferring with your current employer, you will need a transfer letter. The letter will need to state the following: start date, position/job title, salary.

If you are looking to purchase a property, 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 mortgage options. To get Pre-Qualified for your purchase, you can submit your request online at http://www.rodneymason.com to get started.

Rodney Mason, NMLS #151088
Sr Loan Officer
Prospect Mortgage
825 Juniper St NE, Atlanta, GA 30308
Office: (404) 591-2453
Apply Online at http://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.
0 votes
Kaylane Pete…, Agent, Lithonia, GA
Fri Jan 3, 2014
Hello Stockbridge Is a great choice Its a highly desirable area. But I would suggest considering your commute first. I would be happy to assist you in relocating. Contact me

Kaylane Peters
Keller Williams Realty
0 votes
Michael Hamm…, Agent, Suwanee, GA
Fri Jan 3, 2014
Stockbridge is a nice, well situated Southside community, Cbanks512@msn.com. A better question to first ask, once considering the metro Atlanta area, might be where will your daily commute take you? Please call, text or email if we can help further. Good Luck!

Michael Hammond





0 votes
Fri Jan 3, 2014
Hello Cbanks. Stockbridge is a nice area to relocate. Stockbridge is a highly sought area city to live. It is less than 25 mins. from downtown Atlanta. It is family oriented, has a good school system, and a friendly place to live. Please call me at 4042733480 if you have any ? or if I can serve your real estate needs....it would be my pleasure to work with you in finding a lovely home in Stockbridge. Thanks.
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