Buying Services for Gainesville, Hall County, Lake Lanier Home Buyers

Congratulations, you are looking to buy a home in Gainesville, Oakwood, Flowery Branch, Buford, Cumming, Dawsonville, GA or on Lake Lanier!  You have decided to purchase a home, or are thinking about buying one.  You'll be joining the ranks of hundreds of families who realize that home ownership offers a number of benefits including building equity, saving for the future, and creating an environment for your family.  When you own your own home, your hard-earned dollars contribute to your mortgage. The equity you earn is yours.  Over time, your home will increase in value. This increasing valuation will truly turn your house into a home! It is generally a good idea to get pre-qualified for a home loan or mortgage prior to shopping for a home. By doing so, you will know exactly how much home you can afford.  You may find you can afford more than you thought and at the same time you will know not to waste time looking at properties that are priced too high for your particular situation. When Pre-Qualifying for a loan you will communicate the personal information listed below to the loan officer for a verbal approval on a home loan up to a certain dollar amount based on the information you provide. The loan officer can also provide a letter stating that you have pre-qualified for a loan. The Pre-Qualifying amount your loan officer gives you will help you determine the upper limit of what you can afford to buy. With this knowledge, you may begin shopping for a home and make offers that are contingent on obtaining financing. Sellers will take your offer more seriously if you are pre-qualified with a lender than if you are not. Some sellers will not even entertain your offer if you have not been pre-qualified, because doing so may prevent him from selling to a willing buyer that is pre-qualified. After getting pre-qualified, you should take the steps below to begin application for a home loan. Information you will need when making an application for a home loan. Copies of last 2 paycheck stubs with year to date earnings. Copies of last 2 years W-2's and tax returns Copies of last 3 months bank statements for all accounts - checking, savings, investments, 401K, etc. Latest loan / credit card statements for all open loans. Residence addresses for past 2 years - include landlord names and phone numbers. Employer names, addresses and phone numbers for the past 2 years. Copies of Social Security Card and Drivers License Certificates of Elgibility and/or DD214 (VA loans only) If self emplyed - last 2 years personal and business tax returns and YTD Profit and Loss Statement. Copies of divorce or bankruptcy papers, if applicable. Take a check to pay for credit report and appraisal.  Please visit our referral page and look for the list of GA Mortgage Companies that would love to work with you on getting pre-qualified.   In the following reports, you'll find the information you need to make a wise buying decision.  We'll take you through the planning process step-by-step , to help you determine which home is right for you.  You'll find a host of informative articles on mortgages, viewing homes, the offer, closing details and moving. Please contact me if you have any questions about buying a home in Gainesville, Oakwood, Flowery Branch, Buford, Cumming, Dawsonville, GA on Lake Lanier or elsewhere in Georgia.

Below, select desired reports and complete the form provided.