Georgia Home Buyers need a Professional Home Inspection
Today’s Guest Blog provided by GeorgiaHomePros.com
You’ve searched and found a home that fits your family. Now it’s time to make sure it’s safe, sound and will stand the test of time. You need a professional inspector working with only your best interest to determine the condition of the home. The naked eye usually only uncovers [...]
Georgia 203K Loans More Popular than Ever
Today’s Guest Blog Courtesy of Garrett Feis a HUD Approved 203k Consultant
FHA has a little known loan program called 203K. It is the governments answer to America’s deferred maintenance of existing housing stock. Most lenders will only lend money on homes that are in good condition or they require the borrower to make the repairs [...]
How Short Sales and Foreclosures Impact Credit Scores
Today’s Guest Blog Courtesy of Kevin Kust with Veracity Credit Repair Service.
Starting Score Rule: Better the score, bigger the hit with ALL delinquencies – As years pass, less effect (example: If the starting score is a 750 a foreclosure will hurt dramatically, probably from 200-250 pts. If the starting score is a 575 a foreclosure [...]
Refinance Your Georgia Mortgage and get a Tax Deduction
Today’s Guest Blog Courtesy of Jeff Rayman with Rayman Financial Solutions
Refinancing your Georgia home loan is a great idea if you can get a lower interest rate, ideally 1.5-2% lower and you plan to stay in the house for at least two or more years. If you plan to move or the interest rate is [...]
What You Need to Know About Georgia Flood Insurance
Today’s Guest Blog Courtesy of Richard Wilson with Allstate
Did you know there is a 26% chance of having to experience flood damage to your home during the course of your 30year mortgage. If you are not in a high-risk flood zone, you still may experience flooding.
Fact: 25% of all flood claims are from people who [...]
Proper Disposal of Confidential Information
Guest Post Courtesy of Leigh Clack with Neel & Robinson, Attorneys at Law
Georgia’s law called the Record Disposal Act (OCGA 10-15-1) requires businesses to properly dispose of confidential customer information, including social security numbers and account numbers, in order to prevent identify theft.
Realtors, lenders, and closing attorneys need to be sure to comply with this [...]
Understanding the Components of Your Credit Score
Guest Post Courtesy of Veracity Credit Consultants
What do consumers know about their credit scores? We have all heard a thing or two about credit, but do the good habits of our day to day financial decisions benefit our credit score? The bottom line is the Credit Scoring world is complex and secretive place. Little of [...]
Save Money on Your GA Insurance Premiums
Today’s Guest Blog Post Courtesy of Richard Wilson with Allstate
The current economy is leaving many consumers with questions on how to save money on their household insurance cost. The following suggestions are guaranteed ways to save, however, I do not recommend any changes until you speak with your personal agent.
Are you ticket and accident free [...]
5 Useful Tips for First Time Home Mortgage Borrowers
Today’s guest blog post courtesy of MortgageFit:
Shopping around for a home mortgage can be confusing. It’s not unusual to get worried about performing something new for the first time. This applies to taking out your first home mortgage as well.
Luckily, there are some easy tips that you can follow to ensure you’re geared up prior [...]
A Better Credit Rating = A Better Insurance Premium
Insurance companies are protecting their profitability by incorporating an insurance score as one of their key rating factors. An insurance score is different from your credit score. Companies use certain elements from your credit history, not your credit score, in order to predict the likelihood of future insurance losses. An insurance score is usually calculated [...]
