Get your finances in order

I want to sell you a home! I truly enjoy my career as a REALTOR and now with building supplies down and interest rates down it is a great time to buy a gorgeous lakefront property.  Are your finances in order? Do a check list.  You may need to develop a family budget.  You need to reduce your debt if it is more than 28 percent of your income.  A former director at Georgia Baptist Hospital used to say, "If your out go is more than your income, your up keep will be your down fall." When he said that we thought it was old fashion, however it really applies to today.  So get a handle on those expenses and allow yourself to enjoy your life instead of your debt depressing you.  If you have found the property and know that NOW is the time to buy, you may want to increase your income with a second job.  With today's resources that can be easier than you think.  Save for that down payment.  YES YES YES.  It is really hard to find the property and then you can't get together $$$ for earnest money and down payment.  ABOVE all, keep your job for at least for 2 years to show stability.  Establish a good credit history.  PLEASE don't be tooooo lazy to pay your bills.  OK, you have the money but you forgot the deadlines of those credit cards.  Don't do it, that excuse will not make a lender happy. Make a list and check it twice, in the future, you will be glad you did.  Call me and let's schedule an appointment if you are wanting to view properties on Lake Sinclair and Lake Oconee. We are Georgia's Lake Country.