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prices, we are HUD qualified agents, search here and find out how to BUY a home for $100 down. CONTACT US

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Lease Purchase, What is it ?

Not Exactly sure if a Lease

Purchase is right for you, or not

sure what's a Lease Purchase

or Rent to Own ?

Money is AVAILABLE to buy forclosures

Georgia Dream NSP $14000 Program

Atlanta, GA.- Effective . April 1, 2009, the Georgia Department of Community Affairs' (DCA)

Georgia Dream-Neighborhood Stabilization Purchase Program, will provide $14,000 to each eligible borrower purchasing foreclosed properties in the state's areas of greatest need. The 15-month program begins tomorrow, April 1st. All program funds must be disbursed by June 30, 2010. Based on economic data, 85 counties meet the required criteria to be designated as "areas of greatest need."For more info...

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Educating yourself prior to

purchasing a home is time well spent because owning a

home involves a significant financial investment.

This work book is designed to outline the process of purchasing a home.

Work Book to assist you to Home Ownership !

ATLANTA REAL ESTATE and ATLANTA GA. HOMES and HOMES IN ATLANTA GA.

First time home buyer, rent to own, lease purchase ,

forclosures, real estate investing..

WELCOME and thank you for visiting!

What ever your current real estate needs may be,

I am excited that you visited ATL's site.

Here, you can search available properties

(residential or commercial) in Atlanta and surrounding counties . Please know this data base changes daily,

so I trust you will visit often.

4495 Thompson Mill Rd., Decatur, 30034 DEKALB Co. School System

$8000 TAX Credit to First Time Buyers...

MORE MONEY IN ADDITION TO THE TAX CREDIT IS AVAILABLE, contact me for additional information,
I would love to be your Buyer's Agent.

Why Teresa for your Buyer's Agent

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Teresa L. Lains

Real Estate Consultant

Direct: 770-922-2108 x 713

Toll Free: 888-827-0980 X 713
2890 GA. HWY 212 Suite A-259

Conyers, GA. 30094

CONTACT ME

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Now, with an array of programs available for first-time buyers, becoming a homeowner is no longer reserved for the wealthy, but for those who are armed with the right information. "Become a home owner today... NOT someday"

June 24

How to Use your $8000 Tax Credit as Down Payment

Generally your accountant can assist with the process of using your $8000 tax credit as your down payment. However, if

you do not have an accountant, try your local H and R Block tax preparer... or contact me.

8:42 AM GMT | Read comments(0)

Georgia Dream NSP News Updates

THE GEORGIA DREAM NSP DOWN PAYMENT PROGRAM, has a few interesting updates.

CHANGE IN PURCHASE PRICE DISCOUNT REQUIREMENT:
As a result of a HUD NSP update released last week, the purchase price discount requirement has been revised.

For all purchase contracts dated June 22, 2009 or later, the purchase price discount must be at least 1% from the current market appraised value of the home as opposed to 15%.

For example:
Purchase price = $100,000
Appraisal value must be at least $101,010

8:29 AM GMT | Read comments(0)

June 01

Neighborhood Stabilization Program, property has to appraise for 15% under fair market value !

The Neighborhood Stabilization program is in place to assist a home buyer with little to NO money available to put down on a FORECLOSED property.

The process takes time ( minimun of 45 days) as the Loan has to be underwritten twice. By the Lender who is funding the mortgage, as well

as Georgia Dream, who is the author of the Neighborhood stabilization program (NSP).

The subject property that is being purchased, should have a "drive-by" appraisal prior to making your offer, as this appraisal has to accompany the

inital offer. The subject property has to appraise for a minimum of 15% less than fair market value. It would be a good idea to ask the "Listing Broker" if an

inital appraisal or BPO was done prior to listing the property.

Although $14000 is available to be used for "Down Payment and or Repairs", only $5000 of the $14K can be used towards repairs... if repairs

exceeds $5000... the loan will have to be converted to a Fha 203K.. This is Fha's version of a "Purchase Renovation Loan ".

The NSP program, of course has the government hands "ALL OVER IT", therefore... in order for the process to be Smooth and Painless... It is best that

ALL parties to the Purchase and Sales Contract, The Seller, The Buyer, The Lender, The Appraiser and The Closing Attorney as well as ALL AGENTS be on the same page.

Good Luck

www.teresalains.com

6:50 PM GMT | Read comments(1)

January 26

A Great Time to Become A Home Owner

There has never been a better time than NOW to just JUMP into the ReaL Estate Arena !!! Don't let the media but fear in YOU, especially if YOU are a First Time Home Buyer or an Investor. If you need someone to help you begin this Fantastic Opportunity, to assit with locating the perfect mortgage program... because this is really the reason why there is an abundance of homes on the market... of the mortgage industry. Just contact me, it's not as difficult as one may think, it just takes

time and knowledge on finding out where to go and with whom to contact for assistance.

Let me know when you are ready to begin your journey... I would love for you to take "this Lains of opportunity"

Be Blessed !

6:52 PM GMT | Read comments(0)

ATL Real Estate Group

"LAINS of opportunity "