Search Our Listings
click here

MLS #


Street Name


Price Range

to


Beds


Baths


Type:
House
Farm
Acreage
Lot
Commercial

Email:
favorites
open house
email alerts
  • Our Reviews

    is rated 0/5 based on 0 reviews.
  • Leave a Review

    Required fields are marked *

How to Refinance Your Adjustable-rate Mortgage with Better Terms

May 25th, 2016

Adjustable Rate MortgageAn adjustable-rate mortgage was when a fantastic home mortgage item, at a time when home buyers wished to avoid securing high rate of interest. But with historically low interest rates now available to millions of buyers and rates expected to increase in 2017, lots of mortgage holders are searching for an offer and negotiate better terms prior to rates increase. One great method to save on mortgage expenses is to refinance your adjustable-rate mortgage.

So how can you make a home loan refinance work for you? Here are a couple of strategies you can use to get better terms through a refinance on your adjustable-rate mortgage.

Get Your Finances In Order

In order to effectively refinance your variable-rate mortgage, you’ll have to remain in a strong monetary position– for a range of reasons. Firstly, having a strong credit score offers you much more leverage when working out with a lender. And second of all, refinancing a home mortgage will feature closing costs that you’ll need to pay of pocket.

Make sure your finances remain in good condition prior to you attempt to refinance– it’ll be a lot easier.

Extend The Loan’s Term For Lower Monthly Payments

Modifying a home loan is a popular method to decrease your monthly home loan payments without giving up other positive terms in your loan. When you modify your home mortgage, you make a lump sum payment directly towards the primary quantity of the loan, which reduces the loan balance, decreases your interest payments, and reduces your monthly payments. The loan keeps its original term, however it ends up being much easier to handle.

Interest Rate Reset Coming Up? Work out An Interest Rate Cap

One little-known method that you can use to get much better terms is to take advantage of a rate of interest reset to work out a rate cap. In order for this to work, you’ll have to have some kind of leverage over your loan provider. That means you’ll have to get a home mortgage approval and loan estimate for a fixed-rate home loan from another loan provider.

As soon as you have an approval in hand, go to your bank and reveal them that another loan provider has made you a much better offer if you refinance your home mortgage. Your bank will more than likely offer to top your rate of interest if you keep your mortgage with them. While your bank will miss out on cash in greater interest payments, keeping your business is much better than losing it.

Refinancing an adjustable-rate mortgage is ending up being increasingly typical, and for good factor. A mortgage advisor can assist you to navigate the refinancing procedure. Contact one of our First Thomasville Real Estate agents to find out more.

4 Tips to Staging Your Home on a Budget

May 23rd, 2016

Home_Staging_IdeasMany people think that staging a Thomasville home effectively is a matter of money, but there are easy ways to dress it up and make it shine that don’t come with a high cost. If you’re looking for some economical tips that will go a long way in making a positive impression, here are a few ways to get your home prepared.

Pack Away The Personal 

There are certain unique features in any house in Thomasville that can have a positive impact on potential homebuyers, but personal items will actually make it harder for guests to imagine themselves in your home. For a cost-free save, ensure that you pack away personal mementos and pictures so that guests aren’t distracted by the details of your life.

Keep It Clutter Free 

An untidy home will have an instantly negative impact on the perception of your visitors, so you may want to enlist the help of your entire family to clean it from top to bottom. Instead of keeping papers and magazines that have been sitting around for years, sift through any coffee table piles and bedroom corners and discard all the things that will catch the eye too easily.

Take Out The Toolbox 

If you’ve been postponing a few minor fix-ups like a damaged shelf or a loose door, now is the time to head to the hardware store and get these jobs done. Potential homebuyers will be looking at every aspect of your home, and maintenance will figure heavily into how interested they are, so an inability to deal with the small details can cue them to a home they shouldn’t invest in.

Do A Deep Clean 

Cleaning the house, especially a sizeable one, can be the bane of many a homeowner but there’s no other time that cleaning properly is more important than when you’re staging it. While a dirty, dusty house may mean your guests won’t pay attention to your home’s best features, a newly clean home will provide visitors with a blank canvas from which to draw their conclusions.

From major overhauls to unique decorations that draw the eye, there are many great ways to stage a home, but making the small fixes and doing a deep clean are easy to do and don’t require a lot of cash. If you’re preparing to put your home on the market, you may want to contact a Thomasville GA real estate agent from First Thomasville Realty for more information.

 

Avoiding Home Buyer Remorse: 5 Tips for a Happier Homeowner

May 20th, 2016

Thomasville GA real estateThe rush of excitement that has finding the Thomasville real estate you’ve been searching for is ideal, but simply due to the fact that it appears like the best location, it does not indicate there aren’t other elements to consider. Instead of getting hit with purchaser’s regret, here are some ideas so that your house purchase does not become something you’ll regret.

Ignore The Competition

If you’re pondering a home and take place to be dragged into a bidding war, it’s essential to take a step back and identify if it’s really the ideal house for you. It can be easy to get carried away and up your offer, however ensure you identify what the home is truly worth to you.

Take A Second Look

If you’ve been to a great deal of home viewings and have actually lastly discovered a place you feel great about, it can be easy to ignore the minor details. Instead of trusting your memory, make sure you visit the home a few times prior to putting in an offer so you’ll understand any major defects you might have missed the very first time around.

Visit The Thomasville GA Real Estate Neighborhood

The instantaneous appeal of a home that seems best for your household can be unanticipated, however it’s worth thinking about the community you’re going to be residing in to ensure it’s habitable. A house is something, but regional features and a location your household feels comfortable will become equally vital.

Avoid A Fixer-Upper

The kind of home you can fix up might make for a fun job for the DIY person, but biting off more than you can chew in an effort to conserve can be an error. A couple of little remodellings might not be a big issue, however a house that requires a great deal of changes will likely wind up being more of a concern once the offer is sealed.

Stay with Your Purchase Price

Many individuals get so overwhelmed when they discover a special location to settle that their price point flies out the window. Nevertheless, instead of considering a purchase price you can’t really swing, keep what’s cost effective in mind and be sure you don’t divert too far above it.

It can be amazing to find the kind of home in Thomasville you’re looking for in a location you love, but it’s important to pay a rate that’s inexpensive and get the house you actually want. If you’re currently searching for property options in your area, you might wish to contact one of our First Thomasville Realty professionals for more details.

3 Tips When Shopping for a New Home Loan

May 18th, 2016

Thomasville GA real estate for saleDiscovering a new home mortgage can appear difficult, however if you take the proper actions prior to you start making an application for loans, you’ll have no trouble finding a home loan that works for you– and a lender that would enjoy to have you as a borrower. Looking for a home mortgage isn’t really like searching for a sofa, and there’s a lot that goes into the procedure.

So how can you buy your new home loan in a manner that saves you time and gets you the very best loan for your requirements? Here’s exactly what you need to understand.

Don’t Just Look At One Offer

A great deal of homebuyers looking for Thomasville ga real estate for sale— specifically first-time buyers– make the error of just looking at one mortgage from one lender, and after that signing up for it. In fact, 47 percent of homebuyers opt for the first mortgage they discover and don’t bother to compare loan providers, according to the Consumer Financial Protection Bureau. But just due to the fact that you found a lender willing to offer you a mortgage, that does not imply said mortgage is the very best suitable for you.

Do not hesitate to look around. Even if you do not discover a much better offer, you can still take the very first one you were offered at a later date.

Get Pre-Qualified Prior to You Start Looking

It can be tempting to start trying to find mortgages online and start seeing what sort of rates and limitations you can afford, but if you begin your home loan hunt with Internet window-shopping, you might end up sorely dissatisfied. A pre-qualification is a crucial initial step that can assist you to discover the home loan that works finest for you.

With a pre-qualification, you’ll have a smart idea of what you can fairly afford to invest in a home, so you will not lose time seeing homes that are beyond your price range.

Hold back On Major Life Changes Till You Have Your Home mortgage

Once you have actually been pre-qualified and pre-approved, the next step is the approval process– the part of the process where the loan provider you have actually chosen examines your application and decides whether to lend to you. One mistake that a great deal of property buyers make is permitting significant changes in their income to happen throughout the approval procedure. If you quit your job to begin a business, or if you decrease to part-time hours so you can spend more time with the kids, your lender will have to begin the approval process over again with your new financial info in mind– so hold back on any huge changes till after you have actually been authorized.

Discovering a new mortgage can look like an obstacle, but a certified home mortgage consultant can assist. Contact your First Thomasville Realty agent for more information.