Atlanta Georgia Home Buyer's Agent Rebate

Home Buyer Rebates Georgia, GA

2008-05-06T12:44:38Z

As a savvy home buyer, are you researching the benefits of home buyer rebates in Georgia, GA? If so, then you are being diligent with the details of your home purchase. By capturing a home buyer rebate, you are maximizing your Georgia home purchase; however, don't stop there. You need to evaluate the competence of the buyer's agent who will offer this home buyer rebate to you; not all agents are equal.

Is the agent a true buyer's agent? Or alternatively, does he/she regularly work with sellers too?
With regard to negotiations with the seller and/or builder, is the buyer's agent focused on getting you a lower price and better terms than what is being offered?
Will the buyer's agent stand up for you on the multiple issues that generally arise during a purchase? Or, is this merely a means to attract new business that requires minimal effort on part of the agent? A quick transaction that could leave the buyer vulnerable without guidance from a true buyer's agent?
Per Georgia licensure, is the agent a salesperson? Or, an Associate Broker and/or Broker?

These are important questions to ponder for anyone who seeks a home buyer rebate in Georgia GA. While getting a rebate is very savvy, don't focus entirely on the rebate amount. There is potentially thousands extra to be saved in different aspects of the transaction that would be otherwise overlooked if your buyer's agent isn't versed on promoting 100% of your interests for all stages of the transaction.

The normal rebate schedule that I offer for full service, from contract negotiations to closing, is as follows:

1%: $0 - $399,999
1.5%: $400,000 - $599,999
2%: Over $600,000

However, if you are focused primarily on the rebate, click here for the maximum 2% cash back rebate for any price point -- whether it's a new home or a resale home.

Click here for testimonials: Cash Back Realtor Buyer's Agent Rebate - Testimonials Atlanta, GA Georgia

We serve the Greater Atlanta area: Acworth, Alpharetta, Atlanta, Auburn, Austell, Buford, Canton, College Park, Conyers, Covington, Cumming, Dacula, Dallas, Douglasville, Duluth, Dunwoody, Ellenwood, Fairburn, Fayetteville, Flowery Branch, Grayson, Hampton, Hiram, Holly Springs, Hoschton, Johns Creek, Jonesboro, Kennesaw, Lawrenceville, Lilburn, Lithia Springs, Lithonia, Locust Grove, Lovejoy, Mableton, Madison, Marietta, Mcdonough, Monroe, Newnan, Norcross, Peachtree City, Powder Springs, Roswell, Sandy Springs, Smyrna, Snellville, Stockbridge, Stone Mountain, Sugar Hill New, Suwanee, Tucker, Tyrone, Union City, Villa Rica, Vinings, Woodstock, Georgia, GA

Cobb County, Forsyth County, Cherokee County, Paulding County, Fulton County (North - South), Douglas, Clayton, Henry, Coweta, Fayette, Dekalb, Gwinnett, Bartow, Jackson, Walton, Hall, Newton, Rockdale, GA, Georgia

Home Buyer Rebates Georgia, GA

Atlanta Condos, Lofts & Townhomes

2008-04-24T17:46:08Z

With the rise in gas prices, it made me ponder the housing needs for people in Atlanta. Will the high cost of gas force more people to move intown ? While traffic alone is enough to make some buyers who work downtown to consider intown Atlanta living, I ultimately think gas prices will really push more people to look at condos, lofts & townhomes in Atlanta. It is simply a matter of being practical.

Atlanta Condos, Lofts & Townhomes

Home Buyers Rebate Atlanta

2008-04-22T17:40:27Z

Home buyers in Atlanta are looking to make the buying process more affordable. While negotiating the best deal with the seller for the home is one aspect, there is also a home buyers rebate in Atlanta to be obtained through proper negotiations. The home buyers rebate would be in addition to the price and terms negotiated with the seller.

If you have searched for your home on your own, then your agent (buyer's agent) may be willing to rebate a portion of the commission to you. This home buyers rebate in Atlanta can equate to thousands of dollars to the home buyer that they would not usually receive. This buyer's rebate can help offset closing costs, buy down your interest for the entire 30 years and/or pay for moving expenses. Consult with your lender to see how this rebate can be used in connection with your loan program.

Before you start visiting homes, make sure you have the facts about a home buyer's rebate in Atlanta that saves a home buyer substantially.

Click here for a rebate on a new home or click here for a rebate on a resale home.

Home Buyers Rebates Atlanta

Alpharetta, Georgia (GA) - Best Place To Buy A Home

2008-04-16T12:32:16Z

According to a recent article, Alpharetta, Georgia (GA) is the best place to buy a home these days. The average home price is $359,950. Alpharetta is located primarily in North Fulton county with a small section in South Forsyth county; taxes are lower in Forsyth.

Loan Officers Fudged The Numbers?

2008-04-02T17:39:19Z

I ran across an article that suggests loan officers at JPMorgan Chase passed around a memo on how to fudge the numbers for "iffy" borrowers to get them approved; aptly named: "Zippy Cheats & Tricks." Allegedly, loan officers would falsify loan applications by inflating borrowers' income to get an approval for the loan.

I don't know if this is true or not, but it certainly would add clarity to this mortgage fiasco if indeed it is proven to be the prevailing attitude amongst lenders over the past few years.

Finally, isn't JPMorgan Chase buying out the now defunct Bear Sterns? Oh boy....

Buyer Rebates Atlanta

2008-03-26T08:18:45Z

As a home buyer in Atlanta, you are probably looking to make the buying process more affordable. While negotiating the best deal with the seller for the home is one aspect, there is also a buyers rebate to be obtained through proper negotiations. The buyers rebate would be in addition to the price and terms negotiated with the seller.

If you have searched for your home on your own, then your agent (buyer's agent) may be willing to rebate a portion of the commission to you. This buyers rebate in Atlanta can equate to thousands of dollars to the home buyer that they would not usually receive. This buyer's rebate can help offset closing costs, buy down your interest for the entire 30 years and/or pay for moving expenses. Consult with your lender to see how this rebate can be used in connection with your loan program.

Before you start visiting homes, make sure you have the facts about a buyer's rebate in Atlanta that saves a home buyer substantially.

Click here for a rebate on a new home or click here for a rebate on a resale home.

Buyers Rebates Atlanta

Opportunities For First Time Home Buyers

2008-03-24T11:28:47Z

Opportunities are looking pretty good for first time home buyers. When conservative financial gurus are suggesting that opportunities are ripe, then even the most sckeptical should take notice. It is easy to look past real estate professionals who have motives to suggest that now is a good time to buy; but, when a financial guru suggests it, it is certainly worth taking note. Many buyers are sitting on the sidelines hoping to catch the bottom of this trough. Unfortunately, many will miss out because no one can catch the absolute bottom of any market, including real estate.

Buyer Rebate - Atlanta, Georgia

2008-03-20T13:46:55Z

With the high cost of homes in Atlanta, GA, what is a home buyer to do? The buyer is faced with the cost of the home, lender closing costs, homeowner's insurance, home owner's fees (HOA) and real estate taxes -- not to mention moving expenses.

There is a concept that is effective to offset those expenses in Georgia. It's called a buyer rebate and it comes from your buyer agent's commission. Many agents will balk at giving the buyer a portion of their commission; however, there are some realty companies (brokers) that gladly rebate commission to reduce the cost of a buyer's transaction. Look what the USDOJ (United States Department Of Justice) has to say regarding real estate rebates:

"Rebates are permitted in most states, and brokers in these states may freely advertise their willingness to offer rebates that save consumers hundreds and often thousands of dollars per transaction."

http://www.ftc.gov/bc/international/docs/improvingcompin_Real_Estate_Transactions.pdf

Once the importance of a rebate has been established, then a home buyer needs to address the qualifications of the buyer's agent that will provide the rebate. It would not be wise to merely select an agent based on a certain rebate amount, but rather a combination of the service to be provided as well as a buyer's rebate. A good buyer's agent will go to bat for the home buyer that potentially saves the home buyer thousands extra through strong negotiations in all aspects of the transaction; one can be "penny wise, pound foolish" when selecting an agent solely on the amount of the rebate. What's most invaluable is when a buyer's agent will contend on your behalf for the numerous issues that usually arise during a real estate transaction.

However, if you are merely focused on the rebate, click here for the maximum 2% cash back rebate for any price point -- whether it's a new home or a resale home.

Contact me if you have any questions. Click here for a rebate on a new home or click here for a rebate on a resale home.

Stephen (Steve) Graham
Buyer's Agent - Realty Professionals, Inc.

Buyer Rebate - Atlanta, Georgia

Intown Atlanta New Homes, Condos & Lofts

2008-03-20T09:17:17Z

The Intown Atlanta New Homes website is your source for All New Atlanta Developments, Communities, Townhomes, Lofts & Condos. This is one of Atlanta`s most comprehensive new city homes web site where you can find all Intown Atlanta New Homes & Developments and earn an extra 1% to 2% Cash Back Incentive - buyer's rebate.

Fed Rate Cuts & Fixed Rate Mortgages

2008-03-19T09:26:06Z

The cuts by the Federal Reserve don't necessarily translate to lower mortgage rates. There is an article out there that dispels the belief that Fed rate cuts equal lower mortgage rates. The rate cuts by the Federal Reserve only serve as a tool that determines what banks charge each other for overnight loans; it provides better liquidity.

In my opinion, the real estate market needs lower mortgage rates to give confidence to home buyers. I think FHA could provide loans at better rates to accomplish this. What say you?

Let me clarify: In lieu of insuring loans only, FHA could provide financing at lower rates.

Illegal Flipping

2008-03-18T13:38:45Z

This scheme seems to be rampant across America. Where did this idea come from? Was it taught in those so-called "real estate investor" seminars that charge entrance fees to sell books, cd's and other material? Is so, those people who sell all this stuff to would-be investors are peddling illegal schemes that harm lenders, home owners and real investors of real estate. It seems like everyday I read about one of these schemes.

JPMorgan to Buy Bear Stearns

2008-03-17T08:36:02Z

It has been reported that JPMorgan has acquired Bear Stearns for a low price of $2 per share ($236.2 million). Apparently, the federal government pushed the deal along to avoid bankruptcy. I suspect that bankruptcy would have caused an implosion of the already beaten down financial system.

How did we get to this point? There are many bright people who work in the financial business and certainly they saw this coming about years ago. I can't believe it when I hear that these financial institutions are writing off billions upon billions of dollars in losses. Who is watching the hen house? Can we trust the free market, ever? It was the stock market in 2000 to 2002; now it's the lending institutions in 2007 to who knows when....

RESPA To Roll Out New HUD-1

2008-03-15T15:01:45Z

RESPA To Roll Out New HUD-1

In an attempt to simplify the mortgage process for home buyers, HUD/RESPA has proposed a new HUD-1. In addition, a new standardized GFE(Good Faith Estimate) will be implemented too. All yield spread premiums (YSP's) will be required to be disclosed on the new GFE. The combination of these new disclosures will save mortgage shoppers approximately an average of $668 at the closing table -- an estimated $8.35 billion a year. These savings will most likely come right out of the pockets of loan originators.

These changes by HUD would also create an addendum to the revised HUD-1; prepared scripts are to be read at closing that compare the GFE to the HUD-1. This process would advise borrowers whether changes in promised closing costs (settlement fees) have stayed within HUD's allowable limits -- and verifying that loan terms on the GFE match loan documents such as the mortgage note.

Feds Propose Home-Loan Disclosure Reform

2008-03-14T16:13:42Z

Is the lack of disclosure really the problem? In my opinion, everything is clearly spelled out at the closing table. If you are obtaining an exotic loan, the terms are written in detail.

While I am all for simplifying the mortgage process, I do not see a lack of disclosure being at the forefront of this housing crisis.

Toughen Rules On Mortgage Brokers

2008-03-13T09:18:39Z

I ran across an article that suggest loan officers should be licensed. Apparently, Paulson is pushing for a strong nationwide licensing standards to ward off potential problems in the future; this will also reassure investors.

Do you agree? Should loan officers be required to be licensed? What about loan processors?

Buyer's Agent - Georgia (GA)

2008-03-11T13:00:52Z

What is a Buyer's Agent? Aside from showing buyers the homes listed in the MLS (Multiple Listing Service) and For Sale By Owner (FSBO) homes, a buyer's agent is an unbiased and independent licensed real estate agent who is focused on promoting the buyer's best interests. The buyer's agent should have no affiliation with the home seller or his agent. He/she is there to get the buyer the best possible deal.

What is seller's agent (listing agent)? This is a real estate agent who has entered into a contractual agreement to sell the seller's home (for a commission) and to promote the best interest of the home seller. This is the agent with the "For Sale" sign in the front yard. This agent represents the seller and it is important that a home buyer knows that.

How are seller's agents & buyer agents compensated? In short, they are compensated by the predetermined commission paid by the seller upon closing. Regardless of the negotiated price and terms, the home -- if it is listed by an agent -- that you are buying has a predetermined commission built into it. Generally, the seller pays a percentage of the sales price to the licensed agents involved upon the closing of the home -- roughly 50% to the seller's agent & 50% to the buyer's agent. Or, 100% to the seller's agent if you aren't represented. Therefore, since this commission is built into the new home you are buying, shouldn't you have your own buyer's agent who is looking out for you?

What if I don't have my own buyer's agent? Generally, you are left to fend for yourself and the seller's agent retains the entire commission. Furthermore, you will rely upon the seller's agent for every issue that will inevitably arise during the entire course of the transaction.

Most importantly, not all buyers' agents are equal. You should research and interview your buyer's agent. You want a buyer's agent who will go to bat for you -- even against your mortgage lender. Contact us and we will give you a no-obligation over-the-phone consultation. Who's Looking Out For You?

Stephen (Steve) Graham
Realty Professionals, Inc.
Buyer's Agent - Realtor

Buyer's Agent - Georgia (GA)

Commission Rebate - Georgia (GA)

2008-03-10T13:45:08Z

Home buyers in Georgia (GA) are always looking for ways to reduce the cost of buying a home -- and can anyone blame them? Certainly not. Commission rebates are a very effective approach to lower the cost of a real estate transaction for the home buyer. Depending on the buyer's lender-requirements and the type of loan program (Conventional, FHA, VA), rebates can be applied toward closing costs, an interest rate buy-down or in the form of a rebate check after closing. A rebate of commission puts thousands of dollars back into the hands of the buyer -- monies that they would not ordinarily receive. Typically, other parties to the real estate transaction would retain these funds; however, with a rebate in place, the buyer saves @ closing.

However, if you are merely focused on the rebate, click here for the maximum 2% cash back rebate for any price point -- whether it's a new home or a resale home.

Before looking at any homes in Georgia, consult with a real estate brokerage firm that will offer the buyer money-saving rebates. Click here for a rebate on a new home or click here for a rebate on a resale home.

Realty Professionals, Inc.
Georgia New Homes
Atlanta, Georgia -- GA

Acworth, Alpharetta, Atlanta, Auburn, Austell, Buford, Canton, College Park, Conyers, Covington, Cumming, Dacula, Dallas, Douglasville, Duluth, Dunwoody, Ellenwood, Fairburn, Fayetteville, Flowery Branch, Grayson, Hampton, Hiram, Holly Springs, Hoschton, Jonesboro, Kennesaw, Lawrenceville, Lilburn, Lithia Springs, Lithonia, Locust Grove, Lovejoy, Mableton, Madison, Marietta, Mcdonough, Monroe, Newnan, Norcross, Peachtree City, Powder Springs, Roswell, Sandy Springs, Smyrna, Snellville, Stockbridge, Stone Mountain, Sugar Hill, Suwanee, Tucker, Tyrone, Union City, Villa Rica, Vinings, Woodstock, GA - Georgia

Cobb County, Forsyth County, Cherokee County, Paulding County, Fulton County (North - South), Douglas, Clayton, Henry, Coweta, Fayette, Dekalb, Gwinnett, Jackson, Walton, Hall, Newton, Rockdale, GA - Georgia

Commission Rebate - Georgia (GA)

Fannie Mae & Freddie Mac -- Independent Appraisals

2008-03-04T15:52:27Z

Fannie Mae and Freddie Mac are getting tough. They will only purchase loans from banks that use independent appraisers. To me, it's long overdue. Our industry has been built on a "who knows who" platform and that can lead to the problems that have been manifested with inflated appraisals. Appraisers felt compelled to please mortgage brokers & bankers in order to keep the referral of business flowing; those appraisers who brought in the value needed to support loans values were continually given referrals. However, appraisers who would not partake in unjustified appraisals were not given any business. It's time for the good guys to reap the benefits now.

Real Estate Rebates - Atlanta, Georgia

2008-02-28T12:58:03Z

Atlanta Home buyers are always looking for ways to reduce the cost of buying a home -- and can anyone blame them? Certainly not. Real estate realty rebates are a very effective approach to lower the cost of a real estate transaction for the home buyer in Atlanta, Georgia. Depending on the buyer's lender-requirements and the type of loan program (Conventional, FHA, VA), rebates can be applied toward closing costs, an interest rate buy-down or in the form of a rebate check after closing. A rebate puts thousands of dollars back into the hands of the buyer -- monies that they would not ordinarily receive. Typically, other parties to the real estate transaction would retain these funds; however, with a rebate in place, the buyer saves.

Before looking at any real estate, consult with a real estate brokerage firm that will offer the buyer money-saving rebates.

Click here for rebates on resale homes. Click here for a rebate on a new home.

Realty Professionals, Inc.
Georgia New Homes
Atlanta, Georgia -- GA

Real Estate Rebates - Atlanta, Georgia

Home Buyer Rebates Atlanta

2008-02-27T12:33:56Z

Home Buyer Rebates Atlanta

With the cost of housing soaring in Atlanta, what is a home buyer to do? The buyer is faced with the cost of the home, lender fees (closing costs), homeowner's insurance, home owner's fee (HOA) and real estate taxes -- not to mention moving expenses.

There is a somewhat new concept that is effective to offset those expenses in Georgia. It's called a home buyer rebate and it comes from your buyer agent's commission. Many agents will balk at giving the buyer a portion of their commission; however, there are some realty companies (brokers) that gladly rebate commission to reduce the cost of a buyer's transaction. Look what the USDOJ (United States Department Of Justice) has to say regarding real estate rebates:

http://www.ftc.gov/bc/international/docs/improvingcompin_Real_Estate_Transactions.pdf

If you have any questions, read more about home buyer rebates in Atlanta, Georgia (GA)

Stephen (Steve) Graham
Buyer's Agent - Realty Professionals, Inc.
www.georgia-new-homes.net

Home Buyer Rebates Atlanta

VA & FHA loans - New Homes Atlanta, Georgia

2008-02-26T13:33:26Z

With the mortgage market in disarray, many buyers will have to seek out VA or FHA loans to obtain financing. If you are in the military or a discharged Veteran, then chances are you qualify for a VA loan. VA loans provide 100% financing without MI (mortgage insurance). Traditionally, unless a borrower has 20% for a down payment, then the borrower is charged a mortgage insurance premium on a monthly basis; this can equated to hundreds of dollars per month. With a VA loan, however, mortgage insurance does not apply. Hence, the VA loan has saved you money.

Then there's the FHA loan. FHA (Federal Housing Authority) provides government backed insurance to lenders that allow many borrowers to obtain financing with liberal underwriting guidelines. It's like an insurance policy for the lender in the event the borrower defaults on the mortgage. In many cases, the borrower can use a down payment assistance program in conjunction with the FHA loan to obtain 100% financing. There will be, however, mortgage insurance charged on a monthly basis. Two of the more known down payment assistance programs are Nehemiah & AmeriDream.

When obtaining a VA, Conventional or FHA loan from any mortgage lender, use a buyer's agent real estate rebate to lower your transaction costs (closing costs).

To get the most out of your VA, Conventional or FHA loan, use a realty rebate to reduce your interest rate (buy down), pay closing costs or reduce the price of your new home in Atlanta, GA. A cash back rebate at closing, when used in connection with your VA, Conventional or FHA loan, reduces the cost of buying a new home by thousands of dollars. This cash back rebate is in addition to all seller or builder incentives, credits, discounts and promotions; use your own lender too. Read the actual closing rebate testimonials.

Furthermore, a buyer is entitled to a buyer's agent to promote the interest of the buyer -- not the seller, builder, mortgage company and/or closing attorney. With most new home purchases in Atlanta, the seller, builder, the builder's agent, the mortgage company (preferred lender) and the closing attorney are all working together. A buyer needs their own buyer's agent who has no affiliation with any of these parties.

By using us as your buyer's agent, there is no out-of-pocket charge to you and we will pass along a commission rebate to you that would not ordinarily be given to a new home buyer. You potentially save thousands.

Click here to search all Atlanta New Homes

Stephen (Steve) Graham
Associate Broker - Buyer's Agent
www.georgia-new-homes.net

VA & FHA loans - New Homes Atlanta, Georgia

High Oil To Blame

2008-02-20T13:44:04Z

Inflation is certainly moving higher. It seems like all of our daily items are getting more expensive by the day. This can be directly attributed to the cost of oil. Ben Bernanke, the Fed chief, sees this as a problem going forward.

It seems to me that the housing market started to drop off when gas shot up in 2005. Aside from the very well off, high oil prices affects everyone. It makes people reassess large purchase items because of the uncertainly of oil prices. What's more, with inflation looming, the likelihood of low mortgage rates is minimal. This is a double whammy for the housing market.

Free Market or Managed Market?

2008-02-20T11:32:09Z

There are pros and cons with all things in life, including the manner in which to handle the economy. While I personally believe in personal responsibility, I do question if it is practical in today's world? After all, people will do whatever you allow them to do; I have found this to be true time and again in all aspects of life. Irrespective of your personal beliefs on this matter, the mortgage/real estate debacle has certainly fueled the fire for those who argue that we need bigger government to oversee the economy.

What say you? In principle, a free economy wins the day. But what about in reality?

Microsoft Offers $44.6 Billion for Yahoo!

2008-02-01T12:17:35Z

This seems like a good move for Microsoft and Yahoo! alike; albeit, it's just another money making venture. Google's dominance in online search isn't always beneficial to users and advertisers. Google started out as a humble business in the garage of its founders. Their focus was providing great search results, not huge profits. Unfortunately, Google is now just just another corporation out to please Wall Street with large profits. Inasmuch, the users and the advertisers are harmed. In my opinion, Google charges far too much for their clicks and their profits confirm my assertion. While I am certainly in favor of making a profit, I do not support astronomical profits that defy logic. This goes for oil companies too.

Atlanta Georgia (GA) - Buyer’s Agent Real Estate Rebates

2007-11-06T16:36:35Z

Homebuyers are seeking a means by which to reduce the cost of a home. Buyer's Agent Rebates are an innovative means to accomplish just that. Depending on the mortgage company's guidelines of the loan ( FHA, VA, conventional), Buyer's Agent rebates will be used against closing costs, an interest rate buy-down or given as a rebate check to assist with moving expenses. A Buyer's Agent Rebate gives thousands to the buyer that they would not customarily receive through a commission rebate. The savings are so important to the buyer that the USDOJ (United States Department Of Justice) is vehemently fighting so that all states allow Buyer's Agent rebates.

Before looking for a home, get information on a Buyer's Agent Rebate to a home buyer.

Realty Professionals, Inc.
Georgia New Homes
Atlanta, Georgia -- GA

Atlanta Georgia (GA) - Buyer's Agent Real Estate Rebates