First Time Home Buyers

Down Payment & Closing Costs Plan on 3 -5 % of the sales price as down payment Ask about qualfying for 0% down programs Closing costs may also require some up-front cash	Down Payment & Closing Costs First Time Home Buyers Relocation Business Listings Buyer`s Agents Fine Homes Commercial Real Estate New Communities E-Certified Ready to speak with an agent?
Credit Issues Make other payments in a timely manner for at least 9 -12 months prior to purchasing Take care of any outstanding loan amounts before applying for a mortgage Obtain your credit report through a financial institution or through your mortgage lender in order to know your credit score.	HomeBanc Mortgage Advantage 100% Satisfaction Guaranteed Largest Residential Lender in Georgia Prudential Georgia Realty branches staffed with in-house HomeBanc Loan Officer
Mortgage Pre-Approval Benefits Sellers give more weight to buyers who already have a loan lined up Time to shop for the best available rates Confidence in shopping your price point Advantage over unapproved buyers	Complimentary Services Area Information Contact from a First Time Home Buyer`s Team Member Contact from a HomeBanc Loan Officer Education Information First Time Home Buyer`s Guide Housing Guides Personal Needs Assessment Property Tax Information
Buyer`s Agent Promise Higher Level of Service Buyer Confidentiality Loyalty Advocate for the Buyer Fully Informed Protect Buyer`s Interests Ready to speak with a buyer`s agent	Personal Customer Service Sissy Mishkel, Manager E-Business Prudential Georgia Realty 800-241-2441 ext. 366 770-992-4100 ext. 366 770-355-5995 cell smishkel@prudentialgeorgia.com
Wish List Fine tune your "wish list" for your first home What are your priorities? You can borrow too much or prepare too little!