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LET'S FINDHOME PRESENTED BY:Your Home of GeorgiaRE/MAX LEGENDS

(770) 831-3222ABOUT USR E /M A X L E G E N D SP A G E T W O | H O M E B U Y E R G U I D E www.yourhomeofgeorgia.comYour Home of Georgia Team - RE/MAXLegends is so grateful for the opportunity toserve you in all your Real Estate needs. Ourteam has over 82 years experience inassisting over 1,000 buyers and sellers andtake pride in the relationships we have builtover the years. Having the right real estateagents by your side means having agentswho are committed to helping you buy orsell your home with the highest level ofexpertise in your local market the industryhas to offer. This means also to help you inunderstanding each step of the buying orselling process. This commitment level hashelped us build a remarkable track recordof delivering results. Whether you are an experienced investor or a first time buyer, We can help you in findingthe property of your dreams. Please feel free to browse our website or let us guide youevery step of the way by calling or emailing us to set up an appointment today.Seeing Clients at 2675 Mall of Georgia BlvdBuild 200Buford, Ga 30519169 Town Center PkwyHoschton, Ga 30548135 E Pike StLawrenceville, Ga 300461449 Scenic Hwy SSnellville, Ga 30078

MEET OUR TEAMLEAD LEADCO LEADSENIOR AGENTP A G E T H R E E | H O M E B U Y E R G U I D EChrsitine MoodyRose MoodyJill JacksonJim Wells AGENTchristine@yourhomeofgeorgia.comjim@yourhomeofgeorgia.comjill@yourhomeofgeorgia.comrose@yourhomeofgeorgia.comDirect 770.656.4407Direct 770.831.3222Direct 404.394.8329Direct 678.448.2170

P A G E F O U R | H O M E B U Y E R G U I D EAll we can say is, "Thank youChristine!" Without theassistance of Christine Moody,my family would still besearching for a home.Christine went above andbeyond to assure that wewould find our rental and wasthere throughout the processto assist. Truly, Christine is justplainwonderful.Jim Wells and his team was veryhelpful. My house had multipleoffer sand went under contract inless than a week. I also receivedthe sell price I wanted. BTW hehelped me buy this home when Ifirst moved to the area .Definitelywill use again if I have a need tobuy or sell again. CLIENT TESTIMONIALSMONIQUEJASONEverything and everyone wasvery professional, immediateresponses ,and correctanswers to every question. Iwould recommend to anyonepurchasing a home.This is my second experiencewith Your Home of Georgiaand I can recommend theirservices to anyone who ispurchasing a property. All ofthe staff is kind,knowledgeable and veryprofessional.DAVIDDAVID

THE BUYER ROADMAPThis is a brief summary of the timeline for purchasing your home. Remember,as your Real Estate Agent, I will be there to be sure you feel confident duringeach step of this process. InterviewFind the right RealEstate Agent for you1Pre-ApprovalMeet with a lender andget a pre-approvalletter2SearchBegin your onlinehome search 3EscrowDeposit escrow and completeloan application within timeframe of the contract 6OfferAfter finding the right home, wewill put in a strong offer andnegotiate the terms of thecontract5ShowingsWe will set up showings andview the homes you areinterested in4InspectionsSchedule inspections andnegotiate any repair requestsand issues from inspection7FinancingOrder appraisal andobtain homeownersinsurance8Last StepsReceive clear to close fromlender and preform finalwalk-through beforeclosing9ClosingHooray! Time to get yourkeys and celebrate buyingyour home10P A G E F I V E | H O M E B U Y E R G U I D E

FINANCESBefore you officially begin your home search, Ialways recommend to begin with talking to alender and getting pre-approved. A lender willbe able to answer all of your questionsregarding finances and give you a clearunderstanding of the exact price range you willbe pre-approved for and an estimate of theexpenses to expect.What is the best type of loan forme?Do I qualify for any specialdiscounts or loan programs?What interest rate can youoffer?When can you lock in my rate?What fees can I expect fromyou?What are my estimated closingcosts?Questions to askwhen interviewing potential lenders...P A G E S I X | H O M E B U Y E R G U I D E

PART 2: FINANCESThere a many different factors that the lender willuse to calculate your pre-approval. It's alwaysbest to be prepared, so here are a few of thedocuments you can begin to gather together andcan expect to be requested:Tax ReturnsW-2 FormsPay StubsBank Statements List of Monthly DebtP A G E S E V E N | H O M E B U Y E R G U I D E

RECOMMENDED LENDERS(770) 329-4175 Celllinda.stratton@fairwaymc.comwww.northpointmortgage.com/lindastratton(678) 571-3940 Celleric.moody@supremelending.cominfo@Totalhomeguy.com(678) 985-9800 Office(470) 470-0500 OfficeMY RECOMMENDED VENDORSPlease feel free to reach out and interview some of the lenders that I know and trust.P A G E E I G H T | H O M E B U Y E R G U I D ERECOMMENDED HOME INSPECTORSAlpha InspectionsTotal Home ConsultantsLinda StrattonEric Moodywww.supremelending.com/ericmoody

HOME SEARCH213As your Real Estate Agent, my number one goal is to help you achieve your own. Imake it my priority to understand your situation when it comes to buying yourhome so we can accomplish your goals.STEP ONEAfter you speak with a lender andget pre-approved, we will beginyour online home search. I will setyou up on an automated search onthe Multiple Listing Service (MLS).STEP TWOWe will discuss your ideal pricerange, your must-haves list, dealbreakers, location preferences,school districts, and all of the otherfactors that will help me to besthelp you during the home searchperiod. STEP THREEWhen you decide you are interestedin a home, we will schedule ashowing to view the home inperson. If you decide it meets yourcriteria, we will write an offer forthe home. When we get anaccepted offer, you will now beUnder Contract.P A G E N I N E | H O M E B U Y E R G U I D E

What other factors will influence your decision? (Schoolzones, distance to work, specific neighborhoods, etc.)What features are important to you in your new home?What are the must-haves in your new home?What are the deal breakers in a new home?Any specifics not mentioned above:IMPORTANT INFOP A G E T E N | H O M E B U Y E R G U I D E

MUST HAVE HOME CHECKLISTPlace a check mark next to any amenity that youconsider a must have on your next home.KITCHENIslandUpdated countertopsWalk in PantryUpdated cabinetsBreakfast nookUpdated appliancesBATHROOMSDouble VanitiesBathtubUpdated bathroomWalk in showerGuest bathroomADDITIONAL FEATURESHardwood floorsFireplaceOfficeFormal dining roomOpen floor planFront porchSeparate laundry areaParking spaceMAIN LIVING AREAWalk-in closetSplit floor planStorage spaceMaster on main floor

OFFERS &NEGOTIATIONSINFORMATION NEEDEDBefore we begin writing an offer, we willneed to gather some documents anddiscuss some important details...Pre-approval letterOffer PriceFinancing AmountEscrow DepositClosing DateInspection PeriodClosing CostsP A G E T W E L V E | H O M E B U Y E R G U I D E

OFFERS &NEGOTIATIONS PART 2MULTIPLE OFFER SITUATIONSIt's more common than ever to see homesgo into multiple offer situations. Thismeans that your offer is not the only offeron the table for the sellers. Here are someof my best tips to win a multiple offersituation...Submit your Pre-Approval letter withyour offerHave your lender call the listing agent toshare your Pre-Approval detailsMake a cash offer if possibleOffer more than the asking priceBe flexible with your closing dateAdd a personal letter and a photo ofyou and your family Offer a higher amount for the Escrowdeposit so the seller knows that you areseriousKeep your offer clean when it comes tocontingencies and don't ask for any thatare not a deal-breaker for youESCROWCongrats! We are almost there. You willturn in your Escrow Deposit, we will getinspections scheduled, negotiate repairs,and move forward with your loanapplication. The entire process fromcontract to close typically takes between30-45 days.P A G E T H I R T E E N | H O M E B U Y E R G U I D E

INSPECTION PERIODUse the list on the followingpage to see several of the HomeInspectors I recommend. Pleasefeel free to reach out andinterview some of the HomeInspectors that I know andtrust.RECOMMENDEDHOME INSPECTORSHome InspectionRadon TestingWood-Destroying Organism(WDO) InspectionMold InspectionFoundation InspectionHVAC InspectionLead Based Paint InspectionTYPES OF POTENTIALINSPECTIONSThe typicalinspection period isbetween 10-15 daysINSPECTION TIME PERIODIt is critical that we beginscheduling the inspections youchoose to have done as soon aswe are under contract on yourpotential new home. This willensure that we do not run out oftime or have any delays in theprocess.P A G E F O U R T E E N | H O M E B U Y E R G U I D E

You will typically have 3-5 days after the contract has been executed tomake application for your loan with your lender. The appraisal will beordered by your lender after we have have made our way through theinspection period. If your contract is contingent on the appraisal, thismeans that if the appraisal comes back lower than the offer you made,we will have an opportunity to negotiate the price once again.LOAN APPLICATION & APPRAISAL You will need to obtain a Homeowner's Insurance Policy that will beginon the day of closing on your home. If you don't already have aninsurance company you plan to work with, please feel free to reach outto me and I will be more than happy to provide you with a list ofrecommendations. HOME INSURANCEAs excited as you may be to begin shopping around for furniture and allof the things that help make a house a home, don't! Be very carefulduring this period not to make any major purchases, open new lines ofcredit, or change jobs. If in doubt, be sure to call your Real Estate Agentor Lender.IMPORTANT REMINDERThese words are music to my ears, and yours too! This means that thatmortgage underwriter has approved you loan documents and we canconfirm your closing date with the title company or attorney.CLEAR TO CLOSEPREPARING FORCLOSING DAY1234P A G E S I X T E E N | H O M E B U Y E R G U I D E

"Real Estate is not simply ajob for us, it is our passion.We are dedicated to helpingeach and every one of ourclients achieve their realestate goals and have anexceptional home buyingexperience."- Y O U R H O M E O F G E O R G I A=

Thank you for choosing us to help you inthe task of buying your home. We lookforward to working with you to help youachieve all of your real estate goals.Your Home of GeorgiaYOUR LOCAL REALTOR®