Prudential Georgia Realty

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Your Southside Real Estate Specialist

How much house can I afford?

Now more than ever, buyers require that you have been "pre-approved", and that you submit that pre-approval letter with any offer you send them. Therefore, we request you take care of this before we even begin to shop for homes!

Click here to visit our preferred lender to take care of that online, or call him and he can walk you through the process on the phone. This will prevent you from losing out on that "one perfect home" if you have to wait for your pre-approval!

Tips for Sellers

Curb Appeal - Trim shrubbery, edge lawn, refresh mulch, pot bright annuals, freshen front door paint & clean windows.

Smell - Air out your home and rid it of pet or cooking odors. Avoid overly sweet candles or plug ins - fresh is best.

Clutter - Pack up anything you can live without - you're moving anyway! Remove personal photos, plaques, etc - these distract buyers. Clean bath & kitchen countertops give the illusion of more space. Organize pantries & closets - pack up out of season items!

Get Out - Avoid being home during showings - buyers will feel free to make comments about the home and they will stay longer if they don't feel they are bothering you.

Tips for Buyers - How is My Credit?

See advice below from John Adams, writer for the Atlanta Journal & Constitution:

Sunday, 11 October 2009

BUYERS SHOULD TAKE FIVE STEPS TO FINANCIAL FITNESS

Whether you are buying a house or not, you are affected by your credit score. More so than ever before, your credit score determines the rate you will pay for your home mortgage loan. In Atlanta, lender Peter Berk of Bank of America says most borrowers seeking thirty year financing will pay one-eighth percent less on their interest rate if their credit score tops 720.

While that seems a small difference, it adds up to more than four thousand dollars over the life of the loan. In addition, if your score is below 620, it may be difficult to obtain home financing at any rate.

To help boost your credit health, follow these five tips:

* Pay your monthly bills on a timely basis.

I know this sounds very basic, but paying "on time" is vitally important to credit grantors. They believe how you have paid in the past is a strong indicator of how you will pay in the future.

Your payment history makes up about 35 percent of your credit score, and it comes directly from information on your credit report, so pay your bills early and check to make sure none are late - ever.

* Keep accounts open to build longevity.

Closing one account and opening another looks to creditors like you are churning your credit, and it alarms them. Instead, keep unused accounts open by using them at least occasionally. The length of your credit history accounts for about 15 percent of your score, so strive for long-term relationships with quality merchants and institutions.

* Don't overuse your revolving credit.

In fact, it's best to keep your credit card balances below 25 percent of your limit at all times, even if you pay it off in full every month.

Carrying a balance above 50 percent of your limit indicates to creditors that you may be living off your credit card during a difficult financial time. Keep your utilization percentage low and ask for increased limits if you need to. This factor makes up 30 percent of your credit score.

* Take it easy on new credit requests.

Each application you make generates a credit inquiry, and too many inquiries signals the bureau that your circumstances may have taken a turn for the worse. This factor makes up about 10 percent of your score.

* Try to keep a healthy mix of credit types.

A mix of active credit cards, retail accounts, installment loans, and mortgages would indicate a prudent use of credit in your financial life. Overuse in any one area could indicate a credit dependence. This area accounts for the final 10 percent of your score.

Remember that your credit score only looks at information contained in your credit report. That's why it is so important to make sure your information is accurate. For more information, visit myfico.com.

City: NEWNAN
Price: $132,000

Turn to Terri for All Your Real Estate Needs

School Days, School Days - We all know the rhyme, but picking schools are probably #1 on most parents' minds.

To visit the Fayette County Board of Education website, click here: www.fcboe.org. To visit the Coweta County Board of Education, click here: www.coweta.k12.ga.us.

To compare schools, visit www.greatschools.net.

Visit the Legacy Theatre in Tyrone - "Bringing Broadway South of Atlanta"