Alpharetta Real Estate, Cumming Homes for Sale , Alpharetta Homes for Sale Alpharetta real estate, Alpharetta homes, homes for sale in Alpharetta, johns creek real estate, johns creek homes, homes for sale in johns creek, Milton real estate, Milton Georgia homes, homes for sale in Milton Georgia, north Atlanta real estate- Sherry and Maria, REALTOR® REALTOR® Logo - NUMBER1EXPERT™ NUMBER1EXPERT™ Logo
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First Time Home Buyers
Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose Top Experts. 

As a first time home buyer, you are eligible to take advantage of the $8,000 federal tax credit. In order to receive this credit, you must be officially under contract on your home by no later than April 30, 2010. You must close by June 30, 2010. 

Since it can take a few days to negotiate and appx 30-45 days to close, we would recommend looking now (Jan, Feb, March) and be ready to make an offer on a home early April.  

It might be a bit overwhelming being a first time home buyer. Our team is dedicated to making your first time home buying experience a pleasant and smooth transaction. As top Alpharetta, Atlanta, Cumming, Duluth, Johns Creek, Milton and Roswell real estate experts, it's our job to guide you, from beginning to end. 

We will take the time to go through each and every step of the buying process. There are no dumb questions! 

Together, we will consider: 

- How much can you really afford? 

- How to qualify for a mortgage. 

- How much cash you should put down. 

- How to buy a home with little or nothing down. 

- What it takes to get approved for financing. What banks and other financial institutions are looking for. 

- How much your payments will be. 

- The tax advantages of buying and closing by November 30, 2009. 

- Is renting or buying better for you? 

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached. 

We're here to help you every step of the way. 

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly... 

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Real Estate Tips
About Appraisals >Working With Appraisers

After the buyer and seller come to a "meeting of the minds" on the price of a house, there is one more person who must be convinced that the house is worth the selling price--the mortgage company's appraiser.

The appraiser looks for three similar houses that have sold in the same area within the last several months, and compares the selling prices of these homes with the one that is now on the market. The appraiser makes adjustments to account for the differences in each property, and averages the adjusted prices of the other three homes to arrive at a final opinion of value. In subdivisions or condominium projects where there are many similar properties and numerous recent sales, the appraiser's job is relatively easy. In neighborhoods of older homes that have been renovated or remodeled over the years, it can be like comparing apples and oranges.

If the appraiser's evaluation is lower than the selling price, it can stall the transaction because the lender may decline the buyer's loan because of the discrepancy. A real estate agent can work to minimize potential delays associated with the appraisal process by helping the seller to price the home as close to fair market value as possible.

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Real Estate Trivia
Q 
What is considered the world's tallest building?

A 
The 185-story CN Tower in Toronto, Canada is the world's tallest free-standing building, rising to 1,815 feet.
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Sherry and Maria, REALTOR®, real estate agent and broker for Alpharetta, Atlanta and Cumming, Georgia home listings, property and land for sale - NUMBER1EXPERT(tm)

Sherry Ajluni and Maria Livingston
Keller Williams Realty Consultants

695 Mansell Rd., Suite 120
Roswell, GA 30076
678-283-1710
678-548-5513
Fax: 404-592-2827
Info@SherryandMariaTeam.com

Experience, attention to detail and concern for our clients set us apart from other real estate professionals. We go above and beyond to make sure our clients get personalized attention right when they need it, not days later. We make sure they are making the right purchasing decision for them, even if it means not making a sale for us. We always think “resale!” We are dedicated to making your move effortless… Georgia Real Estate
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