Atlanta Homebuyer's Guide

Securing Atlanta mortgages is just one step in the process of buying a home. To make sure your homebuying experience is the best it can be, we've put together this step-by-step guide to help you in the process. We cover everything from home shopping to loans.

1. Know how much home you can afford. How much house you can afford will depend on your credit, income level, monthly expenses, interest rate, and down payment. Many lenders offer calculators for you to figure out how much house you can afford. Alternatively, you could also seek the services of a housing counselor in your area.
2. Be aware of your rights. Many laws protect homebuying consumers from predatory and discriminatory practices. Familiarize yourself with pertinent laws and know your rights.
3. Do your loan shopping. With our site, you can do all of your shopping for Atlanta mortgages right here. Experts recommend getting at least 3-4 quotes, which we will automatically provide you with upon your filling out our application.
4. Think about homebuying programs. The government, through the FHA loan program, offers low down payments for those who qualify.
5. Shop for your new home. A wise first step in home shopping is to get pre-approved for a loan. This will make you a more attractive buyer. You will also need to get a real estate agent. Make a wish list of what features you would like in your home and take the list with you when you look at homes to facilitate comparison.
6. Make your offer. Once you've found the right house for you, you will want to discuss an offer with your real estate agent. Sometimes the seller will counter the offer you make, so the process might require some negotiation before you reach a mutually satisfactory agreement. Having a knowledgeable real estate agent will behoove you in this process.
7. Have the house inspected. Always make an offer that is contingent upon a home inspection. An inspection will give you a better idea of the condition of the home and can help prevent you from purchasing a home in need of major repairs.
8. Get homeowners insurance. Lenders usually require that you have homeowners insurance, so start shopping around before you consider Atlanta mortgages.
9. Sign and close. Make sure to read everything carefully before you sign.

For the answers to the most commonly asked questions about Atlanta mortgages, see our "FAQ" page.