homes in henry county: A Single Underlying Factor When Applying for a Mortgage - 11/16/17 07:27 AM
Every mortgage lender develops their own unique guidelines for evaluating the factors contained in a home loan application. These may change from time to time so that their portfolios stay “balanced”—that is, so that the cumulative risk represented by the entire batch of home loans do not exceed the level of risk they wish to assume.
Potential Stockbridge mortgage applicants are bound to be curious about which factors are more or less influential for that decision. Their curiosity is why you can find hundreds of “Top 5” and “Top 7” lists of “mortgage application factors”—and why home loan originators pay top dollar … (1 comments)

homes in henry county: Mcdonough Sellers Evaluate For Sale by Owner Websites - 11/14/17 11:20 AM
It’s illuminating to visit For Sale by Owner websites from time to time to see if there are any new insights to be gleaned. True, as a licensed Mcdonough Realtor®, I’m not likely to learn much new when it comes to selling Mcdonough homes—but that’s not the motivation. Call it ‘opposition research:’ the reason is to uncover any areas where the services I provide aren’t superior to what a do-it-yourselfer can come up with on their own.
Here are some takeaways from the FSBO sites Google recently presented as the most frequently consulted sites. I’ve included my opinion about the pronouncements—either valid … (2 comments)

homes in henry county: Henry County Real Estate Braces for a New Kind of Reality - 11/13/17 06:18 AM
Henry County real estate has greatly benefitted from one offshoot of “virtual” technology. Just click on a listing’s “virtual tour” button and a progression of two-dimensional views of the listed property parade across your laptop or smartphone screen.
Those Henry County listing virtual tours are real estate’s first step toward “VR”—Virtual Reality. VR is the more immersive version that allows viewers to move around within three-dimensional renderings of computer-generated environments. A current example is the TV commercials depicting delighted VR goggle-wearers experiencing animated fictional worlds. They demonstrate two things: 1) the people who don the goggles look as if they truly … (0 comments)

homes in henry county: Your Mcdonough Homeowners Insurance Annual Checkup - 11/09/17 06:21 AM
It’s one of those Mcdonough documents most of us stash in a safe, out-of-the-way place—somewhere in the furthest recesses of a linen closet or at the back of a bureau drawer. Renters do the same: they don’t actually read the thing, but they know they want to keep it somewhere where they hope they’ll never have to find it.
The document that they value and simultaneously avoid is their Mcdonough homeowners or renter’s insurance policy—the thing they make sure to purchase and hope to forget. As much as I consider it my job to cater to my clients’ every wish, it is … (0 comments)

homes in henry county: Buying Your Stockbridge House as Slowly as Possible - 11/08/17 06:12 AM
The goal of owning your Stockbridge home free and clear is usually thought of as the sunniest eventual outcome of the process that begins with buying your Stockbridge house. The vision of the day when you make that last mortgage payment is an attractive one: whether in retirement or sooner, a “free rent” future has great appeal.
So when financial planners argue against the wisdom of paying off your mortgage, it makes for interesting reading. One such planner is Ric Edelman, whose article “11 Great Reasons to Carry a Big, Long Mortgage” presents a laundry list of the possible financial benefits. … (1 comments)

homes in henry county: Keeping Henry County’s Halloween Fun…and Safe - 10/30/17 06:18 AM
Halloween in Henry County is the one day in every year when the regular order of things gets a thorough shaking up. For one thing, it’s the single day of the year when we expect our doorbell to be ringing non-stop for hours on end. It’s certainly the only time when prudence dictates that we stockpile bowls full of treats to serve as ransom payments against demands for booty from an onslaught of pint-sized masked neighbors.
For Henry County’s small fry, if all goes well, Henry County’s Halloween ranks right up there with birthdays in terms of fun and excitement—possibly because … (1 comments)

homes in henry county: Most Homeowners Now Predict Gains in Home Values - 10/23/17 07:05 AM
More than half of U.S. homeowners expect their home’s value to rise in the coming year. For Stockbridge real estate watchers who track public sentiment as a market indicator, the news comes as a welcome addition to other reports of rising consumer optimism regarding the economy as a whole.
The finding comes from a national telephone and online survey conducted earlier this month by the Rasmussen Reports organization. It signals an acceleration in a year-long trend of rising expectations among U.S. homeowners. A year earlier, fewer than 40% had predicted that their own home values would rise in the coming year. In … (1 comments)

homes in henry county: How To Become Your Own Mcdonough Refi Warrior - 10/19/17 05:53 AM
Back when Mcdonough mortgage interest rates plummeted by 46% in less than four years, it precipitated a sort of refi tsunami. The volume of Mcdonough refinancings was nothing short of enormous. For the first time in a long time, the benefit for homeowners who could lower their Mcdonough mortgage interest payments had become all but irresistible to everyone whose home loan predated the plunge. Lenders were swamped—and they loved it!
The current climate for Mcdonough refi’s is much calmer and considerably less well publicized. Nonetheless, it still holds out the prospect of real savings for homeowners whose current Mcdonough home loan terms … (0 comments)

homes in henry county: Real Estate Inspection Jitters? Rx: Don’t Freak Out! - 10/12/17 01:19 PM
As worrisome physical symptoms go, house inspection jitters should not be worrisome in the least. Neither Henry County home buyers or their counterparts (Henry County home sellers) need be troubled if they find themselves awaiting the house inspector with mounting anxiety: these are perfectly normal symptoms. My advice echoes HGTV’s prescription for a “Drama-Free Real Estate Rx”—in their words, “Don’t Freak Out.”
The utter normalcy for pre-inspection jitters is indisputable—as is their cause. If you are the seller, you can be perfectly satisfied that you have done everything possible to ensure that your Henry County home is in tip-top shape, and yet … (0 comments)

homes in henry county: Stockbridge Mortgage Rates Echo Another 2017 Low - 09/18/17 07:52 AM
A couple of weeks back, the ultimate authority on Stockbridge mortgage rates hadn’t minced words. That was Freddie Mac, whose opinion about mortgage rates constitutes the final say in the matter. Freddie isn’t modest about its preeminence (Freddie’s trademarked corporate slogan is “We make home possible”). Together with sibling Fannie Mae, the quasi-governmental entities stand behind 60% of U.S. mortgages.
Each week their PMMS survey collects data snapshots from thrifts, credit unions, banks, and mortgage lenders to gauge of the direction of the home loan market. Future Stockbridge home hunters and the homeowners whose properties are found in the current listings (or … (0 comments)

homes in henry county: Password Advice Eases Henry County Real Estate Site Visits - 08/21/17 11:05 AM
Last week came a piece of advice that’s directly applicable to Henry County real estate matters. To a greater or lesser degree, it also impinges on every one of your online accounts that attempt to safeguard your privacy—for instance, when you log into your account here on my Henry County real estate site.
The news is about web passwords and security. For more than a decade we have been offered a choice:
         If we care about our security—that is, the possibility of being hacked by internet bad guys—we’ve been cautioned to create passwords with long combinations of obscure characters (like ^,@, … (1 comments)

homes in henry county: 6 Vacation Safety Tips to Keep Henry County Homes Unburgled - 07/14/17 10:08 AM
An overstuffed curbside mailbox, blazing porch light at noon, or a pile of newspapers out there by your front door all indicate a couple of things Henry County homeowners would do well to avoid. For burglars and housebreakers of all stripes, these are like lighted billboards announcing:
         This Henry County homeowner is off somewhere enjoying a nice summer vacation; and          This afternoon and/or evening, there’s nobody home! Every Henry County homeowner deserves an extended break now and then—and the June/July/August weather makes now the ideal time for many—but it’s also high season for break-and-enter artists (or just ‘enter’ artists, … (1 comments)

homes in henry county: What “PST!” Has to Do with Selling Your Henry County House - 07/14/17 10:05 AM
 
If you see the letters “PST!” in connection with selling a house in Henry County, don’t think it’s someone whispering to get your attention (that would be spelled “psst!”).
The selling-a-house kind of “PST” isn’t something whispered by a black marketeer to keep an off-the-books deal under wraps. There’s no need to speak in hushed tones about PST in polite conversation. When speaking about selling your Henry County house, its meaning is right out there in the open. It may not be on the tip of every homeowner’s tongue as they prepare their home for sale, but its import is undeniable in … (0 comments)

homes in henry county: Inertia & Clutter (and Selling Your Henry County House) - 07/14/17 10:01 AM
 Selling your Henry County house is a lot easier when you have an experienced professional relieving you of the lion’s share of the work. I spend full time dealing with the ins and outs of marketing, dealing with qualified prospective buyers, and making sure the Georgia and Henry County technical requirements are met to the letter. That means that the lion’s share of what you need to deal with are the finishing touches of showings and open house presentations.
But long before any marketing can get under way; before an eye-pleasing Henry County listing can be created—and even before a final choice … (0 comments)

homes in henry county: Your Credit Score: It’s No Longer a Hush-Hush Affair - 05/16/17 08:56 AM
 If you’re a typical Henry County consumer, like most Georgia residents, it wasn’t too long ago that you were being constantly bombarded by offers to let you in on a secret: your credit score. The “free credit score” ads got a lot of responses, but lately, they’ve grown scarcer. I think I know why.
It used to be that thrift-minded people shied away from plastic because it made overspending too easy. Today, ubiquitous credit card bonus points and associated discounts and freebies make the opposite true. After all, taking a vacation without using at least some of your credit card airline “miles” … (0 comments)

homes in henry county: Selling Your Henry County Home: Beyond Marketing - 05/01/17 12:43 PM
Selling your Henry County home takes marketing, of course. Highlighting its features—the specific details that the Henry County MLS lists for every property—is only the beginning. The number of bedrooms, square footage, lot size—even the architectural style—all help buyers eliminate offerings that won’t satisfy their housing requirements.
These are quantitative marketing specifics that qualify a residence. Most have numbers attached. They’re also the basis for the “comps” that the bank or other mortgage lender will use to estimate your property’s market value. But they are only the first step in selling your Henry County home. They can (hopefully, will) interest buyers—but they … (0 comments)

homes in henry county: Keywords Lead to Henry County Spring Cleaning Tips - 04/14/17 09:20 AM
Ah, springtime! As the daylight hours grow longer and buds and blossoms dot Henry County’s trees and gardens, even when a rainy day is in the forecast, the feeling of new life in the air can’t be denied!
Also undeniable is the all-too-apparent fact that Henry County’s bright April sunlight is now illuminating months’ worth of dirt on the windows. And now we can see more areas of the carpet that show the winter’s accumulation of … what is that?
For residents from one end of Georgia to the other, the balmy weather definitely triggers a popular urge to put households in shape. … (0 comments)

homes in henry county: Successful Henry County Showings also Involve an Illusion - 04/14/17 09:18 AM
Showings—whether here in Henry County or anywhere else—can succeed or fail as a result of quite minor details. Appreciating that fact isn’t hard to do when you relate showings to their theatrical first cousins: stage presentations. In important ways, they are quite similar.
Think of what happens when you attend a live play. The audience finds their seats, settle in, and wait for the action to begin. The house lights dim, the stage lights brighten, and the action begins. If all goes without a hitch, the play captures your attention—and it has every chance of successfully casting the spell the author and … (1 comments)

homes in henry county: Best Time to Sell a House in Henry County: Coming Right Up! - 04/14/17 09:16 AM
Henry County readers who frequently check in here may recall the inquiry into whether there really is a single best time to buy a house—and if so, when that might be. The answer was October 8. At least that was what the researchers at RealtyTrac deduced after reviewing millions of home and condo sales (from across the nation, not just Henry County). The definition of “best” they settled on was the date which recorded the greatest markdown between original listing and actual sale prices. On closer examination, though, 10/8 did seem to be an answer that was going to differ from … (0 comments)

homes in henry county: Lifestyle Shift Could Open Henry County Investment Opportunity - 02/02/17 09:03 AM
When you recall how thoroughly public confidence was shaken during that last financial meltdown, you probably also remember how reluctant most people were to presume that Henry County real estate values would rebound anytime soon. Those who saw nosediving property values as nothing less than a great buying opportunity were in the courageous minority—even though a cool-headed review of the history of home values’ ups and downs made such a conclusion pretty safe.
Today there may be a similar Henry County real estate opportunity—although, in truth, you have to look a lot harder to see it. It’s emerging in the realm of … (0 comments)

 
Ron Chastain, What ever it takes (Keller Williams Realty Atlanta Partners)

Ron Chastain

What ever it takes

Mc Donough, GA

More about me…

Keller Williams Realty Atlanta Partners

Address: 303 Corporate Center Dr.Suite 100, Stockbridge, GA, 30281 (770-744-3488)

Office: 770-692-0888-Ext 21151

Mobile: 770-744-3488

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