You now have a better, easier way to get approved. Owner Finance ATLANTA now uses TransUnion SmartMove to approve residents.
You can get started right from your computer or mobile device. Plus, using SmartMove means not having to disclose your sensitive personal information.
Owner Finance ATLANTA still does not charge processing fees to get you approved. However, SmartMove does charge a $30 fee for each applicant. This payment is made directly to SmartMove and no part of this fee comes to us.
Here's how to get started using SmartMove:
You saw the perfect new home on Rentals.com. Maybe you spoke to the landlord. Perhaps you even saw the house and submitted an application. But somehow you never got the call that says "It's yours. Come and get it."
A week goes by and suddenly the ad disappears. Then you drive by the house and see that the new residents are moving in. What's going on?
What are you doing wrong?
We recently uncovered the TOP THREE Reasons You’re Being Ignored By Landlords. Well, we've consulted our landlord colleagues once again and have compiled three MORE reasons why you're still getting the cold shoulder from a landlord.
You remember the housing crisis, don't you? Plenty of ink has already been spilled covering the Great U.S. Real Estate Bubble and the subsequent housing meltdown that continues to this day. Home foreclosures have surged nationwide, and in many ways Metro Atlanta was ground zero for the whole disaster.
Well, that was the old housing crisis.
What we’re seeing now is something very different and very relevant for those considering buying or investing in residential real estate. We're referring specifically to the Atlanta market and more generally about the South, but we’re seeing this playing out across the U.S.
Believe it or not, Metro Atlanta is now facing a housing shortage.
It's true: Home prices can (and probably will) drop a bit more over the next few months. Waiting for the bottom seems like the smart thing to do...
...except when it isn't.
Before you decide to wait, be sure you're looking at the whole economic picture. Make your decision with full knowledge of the financial winds that are blowing today!
There are three factors you should consider when making the decision to buy now (or pay later!): Interest rates, rents, and inflation.
If you've started looking around at houses to buy, you probably already realize that interest rates will soon be heading up, making now the perfect time to take advantage of the low prices and huge over-supply of single-family homes.
Even so, there are still plenty of pitfalls and hazards that can sideline your home search. Read on to learn the 3 best moves to make once you've decided to purchase a home. We call these Power Moves because they give you extra leverage and really set you apart from your competition for the best deals.
When homes aren't selling, agents can't earn a commission. Even worse, behind every failed attempt to purchase a home, there is likely an agent who has put in serious time, effort, and money only to walk away empty-handed.
It's no wonder real estate agents have been abandoning the house business in droves. The National Association of Realtors has seen membership plummet a whopping 21% since 2006! And, since the Web and social media throw another monkey wrench into the mix, it's fair to say that there's never been a more frustrating time to be a real estate agent.
If you want to buy a home, you'll need to get a loan. That means working with a home loan consultant to get qualified.
Like everyone else, you'll complete a loan application and then wait (anxiously) to hear back.
If your credit score has taken a serious beating lately (and these days, whose hasn't?), your loan consultant might report back that you need to do a little fix-up work before you can qualify for a loan. No big deal: Happens all the time.
Having an experienced and motivated loan officer on your side can mean the difference between getting the loan and just giving up in utter frustration. Loan consultants are the unsung heroes of the home buying process. We've seen some get very creative and work credit miracles to get deals closed.
But we've also seen purchases go down in flames because the home buyer didn't understand the role of the loan officer within the home mortgage process.
Three words: secured credit card. Unlike their unsecured cousins, secured cards require that you put up a cash security deposit first. Then, you can use the card to make credit purchases up to the amount of your deposit.
Yes, it's credit on training wheels, but wait for the kicker: When our clients do this one simple thing, their credit score goes up 20 - 40 points!
So, get a good secured credit card and use it wisely. Here's why you need to do it now:
So, are we all terrified of buying a home yet?
If you are sitting on the sidelines, you've probably convinced yourself it's for a good reason. And maybe you're right.
Or, maybe you're just scared.
Recently, The Miami Herald did a story on how families are surviving beyond foreclosure. The article offers some good advice and suggests some useful strategies for getting back on track, financially speaking.
However, the article seemed to gloss-over perhaps the most critical move to make after foreclosure or bankruptcy or any other financial crisis: Self-examination.
Certainly, foreclosure is a catastrophic event, but after all the wailing and moaning is over, what matters most is what one learns from the experience. And, it's always easier to misread our own poor personal finance decisions as just unavoidable bad luck. But, failure to learn from our mistakes almost guarantees that we'll face them again and again.