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 *

Ready to Relocate? 3 Tips on How to Set a Moving Budget That Won’t Break the

April 21st, 2015

Moving DayRelocating to Thomasville, Georgia can be exciting, but it can also be expensive. There are many resources to help, but most cost money. However, if you take your time and plan carefully, you can reduce the expense so you don’t start your new life with new debt. Here are three tips to controlling your moving budget.

1. Find Out What’s Free
Nothing is better than paying nothing, right? Don’t assume you have to fork out money for everything you need to move. If you have accepted a new job, ask your new employer whether the company can cover any of your moving expenses. When it comes to moving supplies, see what you can get without having to pay for it. Stock up on free moving supplies by asking your workplace, local grocery stores, and friends and family for unneeded, sturdy boxes. Instead of paying professional movers, see if you can barter with friends or family for help in moving boxes to and from the truck.

2. Focus On Essentials
After you’ve pursued every possible angle to cover your needs for free, you will likely need to pay for something. The trick is to only do so for what is absolutely necessary. Many providers will offer you help along the way, but you should only sign up for basic services. This could include moving big items such as a piano, paying for gas and tolls, or buying cartons for oddly-shaped or particularly valuable items. If you are not able to move things yourself, this could include hiring professionals.

3. Do It Yourself
If you have the time and are physically fit, start long before moving day and pack everything yourself. Rent or borrow a truck and move your boxes yourself, perhaps with the help of a friend. Take care of disconnecting old utilities and signing up for new ones. Handle both cleaning your old home and preparing your new one. Anything you can do with a little elbow grease will mean less money out of pocket.

Call First  Thomasville Realty for advice on keeping moving expenses down. Ask about providers who may give you a discount for being referred by your agent. Remember that you are in charge of your move, so don’t automatically sign up for every service available. By using free goods and services when available and doing much of the work yourself, you can set and follow a moving budget you can afford.

 

You Ask, We Answer: How Long Should It Take to Sell My House in the Spring?

April 20th, 2015

YouAskWeAnswerDepending on where you live, selling your house in the spring could take a few weeks to a few months. Although people are in the market to buy a home all throughout the year, spring time appeals to buyers who may be planning to use an income tax refund to help with the down-payment or closing costs. If you want to sell fast make sure you pay attention to the details like curb appeal, freshening the interior, and pricing your home right.

Curb Appeal Basics
Selling your home quickly in the spring depends on a buyer’s first impression when they see your house. If you want to sell in the first couple of weeks it is on the market make sure to clean up debris that has collected and plant some flowers for a pop of color. You may also want to power wash the exterior and touch up paint around windows and doors to help get top dollar for your home.

Clear Out The Clutter
Freshening the interior of your home will give buyers an opportunity to imagine their own belongings in the house. Over the holidays you and the children may have collected new items that need to be packed away and stored out of sight. Once the clutter is cleared out make sure to clean the windows and baseboards to offer spring buyers a fresh clean view of your home.

Sell For The Right Price
Pricing your home right for the spring market is essential to make a quick sale. You may even want to set the price below market value to bring in multiple offers and drive the price up. If you are looking for a quick closing make sure your real estate agent uses this as a bargaining tool with potential buyers.

So how long should it take you to sell your house in the spring? It really depends on the market in your area and how well you prepare your house in advance. Curb appeal will make sure buyers stop in at your open house instead of driving by because the yard looks trashy. Giving the interior of your home a clean non-cluttered look will also help buyers envision a move in ready home. Finally, pricing your home in line with comparable homes in your neighborhood will help ensure you get the right buyer quickly so you can move on to a new adventure.

Saving Up for Your First Home? Our Guide to Finding Ways to Save Your Down Payment Faster

April 17th, 2015

1st-Time-HomebuyerIf your goal is to purchase a home, you may find that it’s challenging to save up enough money for your down payment. While this is something that many first time home buyers struggle with, it is by no means insurmountable. By making a few simple changes you will be able to accumulate the funds you need for your down payment.
Keep Track Of Your Spending

One of the reasons why it can be difficult to save money is that you aren’t even sure of where your money is going. While you may be aware of major expenses such as rent, car payments and utilities, it’s easy to lose track of many of the smaller bills and impulse purchases. If you aren’t keeping a budget, you should begin as soon as possible. Software programs and apps such as Mint.com can make this simple.

Consider If You Have Anything To Sell

You may be able to raise some quick cash by selling some personal belongings. Don’t part with something that will cause you regrets, such as a precious family heirloom. However, if you’re like many people, you probably have lots of items you no longer need. In addition to holding a garage sale, you could sell items such as jewelry, electronics, art or almost anything on eBay.

Refinance Credit Cards

Refinancing credit cards or any type of debt can help you save money on monthly bills. Balance transfers can often give you a more advantageous rate with credit cards. If you have a car loan, you may be able to find better terms with a different lender.

Find Another Source Of Income

In addition to finding ways to cut back on your spending, taking in some extra money every week can make it much easier to save up for that down payment. Perhaps you or your spouse could find time for a part time job. You might also consider starting a part time business, such as an online store that can be managed from home.

If you are creative about it, you can probably find many ways to save up for your down payment. You should also do plenty of shopping around when it comes to finding the best deal on a mortgage for your first home.

 

Do You Need Mortgage Insurance Even if It’s Not Required by Your Lender? Let’s Take a Look

April 16th, 2015

Adjustable Rate MortgageFinding a proper mortgage loan and understanding the processing procedures behind the loan is the basis of good research. The down payment on a mortgage loan is typically significant when dealing with mortgage insurance. Most loan applications with less than 20% down payment are required to include mortgage insurance with the loan. However, mortgage insurance may still be required even if it’s not typically required by your lender.

Underwriting Requirements

Most home mortgage applications undergo a strict set of standards for approval. These standards are known as underwriting and make up the bulk of time spent on a mortgage application. Unique situations in employment or credit history may require an additional down payment percentage to avoid PMI or private mortgage insurance. Most underwriting requirements require adequate information on the borrower’s credit and employment history for complete application. Self-employed individuals or those with alternative forms of credit may need a few additional hoops to jump through when dealing with mortgage insurance requirements.

Lender-paid Mortgage Insurance

Lender-paid mortgage insurance is a popular option with potential homeowners that seek to avoid the cost of a PMI or FHA-backed insurance on a home loan. Most lenders incorporate payment of private mortgage insurance in exchange for a slightly higher interest rate. This is one example of the points system on a mortgage application that eliminates the cost of PMI. The increase in interest rate may or may not warrant the need for a lender-paid mortgage insurance arrangement.

What’s Involved With Risk Assessment?

Strict lending requirements and banking policy now limit the number of mortgages with zero down payment options. Conventional mortgages and FHA both require private mortgage insurance if it is less than 20% down payment. However, FHA loans can be more flexible with the initial down payment requirements with adequate credit. FHA mortgage costs are now for the life of the loan. Lenders will look at mortgage insurance as risk protection.

The risk protection process may or may not require mortgage insurance in your home loan. For example, VA and USDA loans do not usually require mortgage insurance if the borrower’s credit and employment history are adequate. Conventional loans have a reduction in risk once there is at least 20% equity in the home compared to the principal of the mortgage. Don’t hesitate to contact a mortgage professional about potentially dropping mortgage insurance in the future to reduce overall loan costs. If you need a referral to a good mortgage professional in your area contact your trusted real estate agent for assistance.