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Excalibur Realty, LLC can help find the property that is right for you! If you are looking for a personal residence we can help you narrow your search of the many homes on the market to find the one that best fits your needs. Why Buyers Choose Us Excalibur Realty agents serve all of Metro Atlanta. We are large enough to serve you yet small enough to care. Your home is probably the biggest purchase your family will ever make, and it involves many decisions that go beyond simply choosing one you like. We will take the time to listen to your needs and desires. Your satisfaction is our number one priority. As top Metro Atlanta Realtors, we will guide you through the entire process, from viewing homes and financing, to making sure the final contract is in your best interest. You will have full access to ALL homes available on both Multiple Listing Services as well as our new listings "Hot List". Our expert local knowledge of the area should be invaluable to you, not just in terms of real estate, but also schools, neighborhoods, the local economy, and more. Negotiating with sellers can be stressful. We will help you negotiate, so that the final contract includes your best possible terms and conditions. We do our homework to estimate the true market value of the home you are interested in. We want you to get the best value! You should know absolutely everything about the property you are buying! You and a member or our team will view every home that you are interested in. Prior to closing we will make you fully aware of any and all inspections available to you. Digital cameras provide a view for you if you cannot visit the home. Have confidence when signing documents. Contracts are full of complicated terms and clauses that can greatly affect your future life in your new home. We will give you the full benefit of our real estate knowledge and experience. Let us represent your best interests in your search for a new home in Metro Atlanta area. You can view many homes on the web but let us be your hands-on partner. Call or email us (email address, contact forms) for help, or to have your
questions answered. Fill out this form and we'll get right back to
you...We guarantee a quick response. When Your home buying process is well underway. The sellers accepted your offer
to purchase. The home is officially under contract and you're counting down the
days to closing. The lender pre-approved you; so buying the house is a sure
thing, right?
You've just found out your credit is A+. That's great news, because a new car would look fantastic in the driveway of your new home. But hang on--if you are depending on a mortgage to move in, you'd best wait until after closing to buy that car. An increase in your debt to income ratio reduces the amount of monthly income available for your mortgage payment. If you tack on a higher car payment, the bank might decide you can't afford the home. Back to Top Using cash to purchase the car could also create a problem, since banks consider cash reserves when approving your mortgage. If you must make a major purchase before closing, talk to your loan officer before you do it. 2. Don't Change Jobs Unless It's NecessaryLenders like to see a consistent job history. They aren't usually as nervous if you change jobs within the same field, but it's better to stay put until the house is yours. 3. Don't Give an Earnest Money Deposit Directly to a For Sale By Owner Seller Your good faith deposit should go into a trust account. Some for sale by owner sellers don't understand that funds are not theirs to spend until closing. Back to Top 3. Don't Give an Earnest Money Deposit Directly to a For Sale By Owner Seller Your good faith deposit should go into a trust account. Some for sale by owner sellers don't understand that funds are not theirs to spend until closing. I've heard many stories about sellers who spent the deposit money prior to closing. When the transactions didn't take place for valid reasons--such as financing or repair issues, the buyers had to fight for a refund. Find an attorney or other neutral party who will hold the deposit for you until closing day and make sure your contract dictates what happens to the funds if the transaction doesn't close. Back to Top 4. Don't Let Your Emotions Take Over Keep a cool head during the entire home buying process, especially during and after a home inspection. Be realistic. No home is perfect, especially older homes. It's not unusual for new owners to take care of some repairs themselves. Don't let the seller's refusal to do a small repair kill the deal on a home you truly love. Back to Top On the other hand, don't fall so much in love with the house that you'll buy it no matter what needs to be done--unless you're sure you can handle it emotionally and financially. Decide what type of repairs you can realistically tackle, then stick with the decision. 5. Don't Forget to Switch UtilitiesThat sounds simple, but you'd be surprised how many people forget to apply for utility service at their new home. Call the utility companies as soon as you have a contract. Find out how many days lead time they need to switch the service, and then get back with them when you have a firm closing date. Don't forget to discontinue services at your old home. Back to Top 6. Don't Forget to Line Up Your Hazard Insurance A no-brainer, right? But it's another often-forgotten task that buyers scramble to take care of at the last minute. Before closing, your lender will want to see an insurance binder showing you have coverage for the new home. Get it as early as possible so that closing isn't delayed. In some locations, additional types of insurance coverage might be necessary. Talk to your lender about insurance requirements well before the closing date. Back to Top 7. Don't Become Best Friends with the Seller Loan Application Checklist Earnings statements: W-2 forms, recent pay stubs and tax returns for the past two years; If you are self-employed: profit and loss statements and tax returns for current year and previous two years; Additional income: social security, overtime bonus, commission, interest income, veteran's benefits and so on. Back to Top Verification of your assets List of bank account numbers, the address of your bank branch, checking and savings account statements for the previous 2-3 months; List of savings bonds, stocks or investments and their approximate market values; Copies of titles to any motor vehicles that are paid in full. Back to Top Information about the purchase Copy of the ratified purchase contract; If you made a deposit to the seller to show that you are serious about buying the house, bring a copy of canceled deposit check on house. Back to Top Your debts Credit card bills for the past few billing periods; Other consumer debt such as car loans, furniture loans, student loans and other personal and cosigned installment loans with creditor addresses and phone numbers; Evidence of mortgage and/or rental payments; Copies of alimony or child support. If you have no established credit history, supply the lender with canceled checks for rent, utilities and other recurring obligations to show payment history and amount of revolving debt. Lenders may also ask you about the origin of your down payment. If money for down payment is a gift from a relative, bring to the interview a copy of gift letter and copy of gift check. The gift letter states that the money will not have to be repaid. Having these items on hand when you visit the lender will help speed up the application process. Back to Top
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