Trulia Community - Advice from neighbors and local experts

Find Your Community
We couldn't find that location. Please try again.
Get Expert Advice

Home Buying in Lithonia : Real Estate Advice

  • All239
  • Local Info32
  • Home Buying55
  • Home Selling5
  • Market Conditions7

Activity 53
Thu Oct 24, 2013
Ron Thomas answered:
Lease/Option
You are desperate!
Your Credit or Finances, or both, will not allow you to go the conventional route:
You need the Seller to help you out!

The Seller will know it, and you are going to pay dearly for this service:
There aren't too many altruistic Sellers out there.

There is no FORM printed by anyone; there are just too many variables.
The terms that can be written into a Lease/Option can be dangerous to you:
How long is the Option period?
How much money are you putting in to the Option?
What happens if you are not able to execute the Option?
How do you know what your financial situation will be 2-5 years from now?
How much is the rent in the meantime?
Who will be responsible for maintenance and repair in the meantime?
What will be the Market Value of the home in 2-5 years?
What will be the Selling price 2-5 years from now?

This is the Ultimate Caveat Emptor!

Good luck and May God bless
... more
0 votes 4 answers Share Flag
Wed Apr 10, 2013
Donna Harris answered:
You can call Donna Harris, broker at Today's Realty LLC at 770-939-7575 to find a lease purchase and give you information on how to construct your purchase.
0 votes 1 answer Share Flag
Mon Apr 1, 2013
Michael Hammond answered:
Not sure, Homebuyer11, how competitive we can be in any given market situation where there are plenty of agents and not plenty of homes listed that meet your specific criteria. If you need to discuss further, please contact me at your convenience. Good Luck!

Michael Hammond
SellsRealty@gmail.com
404-538-5499

http://www.georgiamls.com/agentsite/index.cfm?SiteID=HAMMONDJOHNM

http://www.chapmanhallprofessionals.com

http://www.SellsRealty.org

http://www.city-data.com/

http://www.greatschools.org/
... more
0 votes 9 answers Share Flag
Thu Mar 21, 2013
Michael Daniels answered:
Yes you can. You can do a cash out refinance with a 600 credit score. Please give me a call at 404 503 7148 to discuss your options.
0 votes 3 answers Share Flag
Mon Mar 11, 2013
Michael Hammond answered:
Please define "options" for us, highmark. In terms of property taxes, you can appeal after 1/1 of the year following your purchase if you think they are out of line. Please call, text or email if we can provide further assistance. Good Luck!

Michael Hammond
SellsRealty@gmail.com
404-538-5499

http://www.georgiamls.com/agentsite/index.cfm?SiteID=HAMMONDJOHNM

http://www.chapmanhallprofessionals.com

http://www.SellsRealty.org

http://www.city-data.com/

http://www.greatschools.org/
... more
0 votes 4 answers Share Flag
Mon Mar 11, 2013
Isabel Elsesser answered:
Yes taxes are higher in those areas.
What size house are you interested in ?
Not sure if getting an up to date evaluation amount.

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
Full Time from 1993-2013
... more
0 votes 2 answers Share Flag
Wed Feb 6, 2013
Fred Yancy answered:
What You Can Do to Improve Your Credit Score

Credit scores, along with your overall income and debt, are big factors in determining whether you’ll qualify for a loan and what your loan terms will be. So, keep your credit score high by doing the following:

Check for and correct any errors in your credit report. Mistakes happen, and you could be paying for someone else’s poor financial management.

Pay down credit card bills. If possible, pay off the entire balance every month. Transferring credit card debt from one card to another could lower your score.

Don’t charge your credit cards to the maximum limit.

Wait 12 months after credit difficulties to apply for a mortgage. You’re penalized less for problems after a year.

Don’t order items for your new home on credit — such as appliances and furniture — until after the loan is approved. The amounts will add to your debt.

Don’t open new credit card accounts before applying for a mortgage. Too much available credit can lower your score.

Shop for mortgage rates all at once. Too many credit applications can lower your score, but multiple inquiries from the same type of lender are counted as one inquiry if submitted over a short period of time.

Avoid finance companies. Even if you pay the loan on time, the interest is high and it will probably be considered a sign of poor credit management.

Fred Yancy, Broker
Crye-Leike Realtors
(678) 799-4663
... more
0 votes 6 answers Share Flag
Tue Dec 12, 2017
Fred Yancy answered:
What You Can Do to Improve Your Credit Score

Credit scores, along with your overall income and debt, are big factors in determining whether you’ll qualify for a loan and what your loan terms will be. So, keep your credit score high by doing the following:

Check for and correct any errors in your credit report. Mistakes happen, and you could be paying for someone else’s poor financial management.

Pay down credit card bills. If possible, pay off the entire balance every month. Transferring credit card debt from one card to another could lower your score.

Don’t charge your credit cards to the maximum limit.

Wait 12 months after credit difficulties to apply for a mortgage. You’re penalized less for problems after a year.

Don’t order items for your new home on credit — such as appliances and furniture — until after the loan is approved. The amounts will add to your debt.

Don’t open new credit card accounts before applying for a mortgage. Too much available credit can lower your score.

Shop for mortgage rates all at once. Too many credit applications can lower your score, but multiple inquiries from the same type of lender are counted as one inquiry if submitted over a short period of time.

Avoid finance companies. Even if you pay the loan on time, the interest is high and it will probably be considered a sign of poor credit management.


Fred Yancy, Broker
Crye-Leike Realtors
(678) 799-4663
http://fredyancy.crye-leike.com
... more
0 votes 21 answers Share Flag
Thu Mar 7, 2013
Lee M. Hutchinson answered:
I will be happy to help you with your home search. I looked on FMLS i didn't find this home. You can reach me at 678-334-1240 or email me mrhutchinson@yahoo.com
0 votes 2 answers Share Flag
Thu Mar 7, 2013
answered:
For a sales price that low, I would imagine the property would not be in a liveable condition right now.

Regards,
Rodney Mason, NMLS #151088
Sr Loan Officer
Prospect Mortgage

825 Juniper St NE, Atlanta, GA 30308
Office: (404) 591-2453
rodney.mason@prospectmtg.com
Apply Online at http://www.rodneymason.com
Licensed in Alabama & Georgia

Prospect Mortgage offers a full selection of mortgage programs including:
Conventional | FHA | FHA 580-639 FICO | FHA 203K Renovation (Streamline & Consultant) | HomePath® | HomePath® Renovation | HomeStyle® Renovation | VA | USDA | GA Dream | Jumbo Financing
... more
0 votes 2 answers Share Flag
Sun Jul 22, 2012
Roman asked:
Mon Jul 9, 2012
Travis Williams answered:
Ms Wilson, you didn't put a link nor an address so I can't tell you either way. But if you'd call/email me with that info I'll be more than happy to assist you. I'll be waiting on you at either 404.422.8568 or Travis@MyAgentIsTravis.com

Travis Williams
BHGRE Metro Brokers
404.422.8568
www.MyAgentIsTravis.com
... more
0 votes 1 answer Share Flag
Mon Aug 27, 2012
Ms. Hightower answered:
I have an agent that I rented from for years. Im now using him to purchase. He manages properties throughout the metro area and is very professional. Mr. Calvin Bolden 678-755-6115 is his mobile number. Tell him Ms. Brown referred you. ... more
0 votes 5 answers Share Flag
Mon Jun 25, 2012
answered:
Based on your previous quesitons, it sounds like you have either just completed or are in the process of a short sale. I would not expect that you are going to find a builder that can or would wait 3+ years for your to be able to purchase the home from them.

Regards,
Rodney Mason, NMLS #151088
Sr Loan Officer
Prospect Mortgage
825 Juniper St NE, Atlanta, GA 30308
Office: (404) 591-2453
rodney.mason@prospectmtg.com
Apply Online at http://www.rodneymason.com
Licensed in Alabama & Georgia

Prospect Mortgage offers a full selection of mortgage programs including:
Conventional | FHA | FHA 580-639 FICO | FHA 203K Renovation (Streamline & Consultant) | HomePath® | HomePath® Renovation | HomeStyle® Renovation | VA | USDA | GA Dream | Jumbo Financing
... more
0 votes 3 answers Share Flag
Sun Jun 24, 2012
Ron H answered:
Fri May 25, 2012
Laquita Baez answered:
maybe a mortgage lender would best answer that question...
0 votes 1 answer Share Flag
Sat May 19, 2012
answered:
All condos will have mandatory monthly HOA dues. For townhomes, it will vary from complex to complex as to whether or not HOA dues are required.

Regards,
Rodney Mason, NMLS #151088
Sr Loan Officer
Prospect Mortgage
825 Juniper St NE, Atlanta, GA 30308
Office: (404) 591-2453
rodney.mason@prospectmtg.com
Apply Online at http://www.rodneymason.com
Licensed in Alabama & Georgia

Prospect Mortgage offers a full selection of mortgage programs including:
Conventional | FHA | FHA 580-639 FICO | FHA 203K Renovation (Streamline & Consultant) | HomePath® | HomePath® Renovation | HomeStyle Renovation | VA | USDA | GA Dream | Jumbo Financing
... more
0 votes 4 answers Share Flag
Wed May 16, 2012
Debra Dukes answered:
Dear Rosevelte:

The condo that you are asking about MLS # 03172532 is located at 1010 Fairington Ridge Circle in Lithonia. It has been on the market since January 8, 2012. It is located off of Panola Rd and I-20 near shopping and other ammenties that you would need close by the condo. It appears that there is not a HOA fee for this property.

However, if you are interested in this property or others, please feel to contact me. I would be greatly honored to assist you.

Sincerely,'
Debra Dukes
Better Homes & Gardens Real Estate - Metro Brokers
Office (404) 843-2500
Cell - (678) 587-7834
Email - debra.dukes@metrobrokers.com
... more
0 votes 1 answer Share Flag
Wed May 16, 2012
Fred Yancy answered:
Casaleen: In order to "bid" on a house, I am assuming you mean a home that is HomePath, HUD, bank owned or an Auction, you must be preapproved to bid on the property. If you are submitting an offer on a home that is occupant owned than it may not be required but would be very adviseable because if the property owner knows that you are qualified to purchase the property you are more likely to have your offer accepted.

If you would like to get pre-approved for a home loan, call me and I can give you a couple of really good mortgage lenders that I highly recommend. You can also look at available properties on my website at the link below.
... more
0 votes 4 answers Share Flag
1 2 3
Search Advice
Search
Home Buying in Lithonia Zip Codes

Followers

154