GoodNews Christian Magazine Dalton - Home Lenders of Georgia
Written by Jodi Varnado
According to the National Association of Realtors, the residential real estate market is the best it has been in fifteen years. Even amid the height of the pandemic over 2020-2021, homebuyers were met with low interest and mortgage rates. As we enter 2022, you might be considering, is it the right time to buy a house? Can I afford it? Where do I start? The team of professional mortgage consultants at Home Lenders of Georgia are ready and eager to help you purchase your dream home!
Home Lenders of Georgia has been serving the Dalton community for seventeen years. Their consultants possess a passion for people, valuing their customer’s well-being over the success of their business. The phrase “people-driven, not sales-driven” is a perfect sentiment to describe Home Lenders of Georgia’s approach to consulting. Homebuying can be a very emotional process, and Home Lenders of Georgia knows and expects the responsibility of guiding you through the difficult decisions that come with choosing the right loan and mortgage to fit your personalized needs.
Home Lenders of Georgia specializes in Conventional Home Loans, FHA Home Loans, VA Home Loans, VA, FHA, and Conventional Refinances, FHA 203k Loans, Fannie Mae Home Style Loans Renovation Programs, Fannie Mae and Freddie Mas Affordable Housing Programs, USDA Loans, and Non-QM Programs. Through Home Lenders of Georgia’s website, you can submit a complete, secure online application for all mortgage programs. After applying, one of Home Lenders of Georgia’s mortgage consultants will contact you with the answers you are looking for.
Home Lenders of Georgia prides themselves on outstanding customer service through individual attention. Their experienced staff is accessible to clients seven days a week, striving to match you with the perfect program to meet your personal short and long-term financial goals. Home Lenders of Georgia can compare and contrast the differences between the many mortgage-rate options and loan programs available to you, including Fixed Rate, Adjustable ARM, Interest Only, Graduated Programs, FHA Home Loan, VA Loans, USDA Loans, and Jumbo Loans. The homebuying and home-refinancing processes can become overwhelming and complicated, but the team at Home Lenders of Georgia will support you throughout this exciting time.
The team will guide you through financial questions, including, how’s your financial health? What’s your budget? What’s included in the home sale? How much do you need to save for a down payment? Does this home cover your needs? Their consultants will also help you avoid emotional homebuying, buyers’ remorse, and will make sure you are in a safe financial position. They even close loans in an impressive twenty-five days or less!
Home Lenders of Georgia invests in the community, partnering with organizations such as HOPE Atlanta and Virtuous Women Life Academy to provide support and education to those in need. Partnering with these outreach programs, whether through financial donations or volunteering, allows Home Lenders of Georgia to educate the community on debt, credit score, homebuying, and homeownership. The staff plans to volunteer more in the new year and begin a Home Lenders of Georgia YouTube channel to create educational videos, including tips for purchasing and what to expect content.
If now is the time to consider buying a new home or you are ready to refinance your current home, contact Home Lenders of Georgia today. Their office is located at 102 N Glenwood Ave, Dalton, GA. Home Lenders of Georgia also serves the Alpharetta community at 1865 Lockeway Drive, Suite 605, Alpharetta, GA. Visit homelendersga.com for more information or call (770)-953-8004 to set up an appointment. Let Home Lenders of Georgia help your homebuying dreams come true in 2022!
Home Lenders of Georgia’s Financial Checklist:
1. Closing Costs—This cost includes loan origination fees, discount points, appraisal fees, title searches, title insurance, and survey fees.
2. Down Payment—This payment is the difference between your mortgage amount and the purchase price of your home.
3. Insurance—This can be Private Mortgage Insurance (PMI) or a Mortgage Insurance Premium (MIP).
4. Earnest Money—This amount is an upfront deposit that is applied to your down payment or closing costs.
5. Property Tax—This tax is determined by the municipality you reside in and is based on the property’s value.
6. Furnishing and Appliances—Although you might have to buy appliances or furniture for your new home, it would be best to do this after closing.