ATL Real Estate Group
"LAINS of opportunity "
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The most listings in the South,

the widest exposure possible.

Search All Atlanta homes and surrounding Georgia Area.

 

 

 

Full access to Georgia real estate listings. Begin your search on FMLS system (click on images)

 

 

 

HUD sells houses at reduced

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

 

 

 

LET US ASSIST WITH LOCATING YOUR DREAM HOME !

Need HELP finding that perfect property ?

 If you are not familiar with Atlanta and it's surrounding area, let me know, I will be more than happy to help !

 

 

 

 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"

 
 
 
 
 
 
 Money is AVAILABLE  to buy  forclosures
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...
 

 

 

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. 

 

 

 

 

 RENT for $950/MO or OWN for less than $850

Dekalb Co.  Cedar Grove School System

 

 

 

 

 $8000 TAX Credit to First Time Buyers... 

ASK me about using the $8000 Tax Credit for Down Payment

 

   

 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

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Get updates of new listings meeting your criteria !

 

*E-mail address:
*First name:
*Last name:

 

 

 

 

 

 

 

 Teresa L. Lains

Real Estate Consultant

 
Office:   770-922-2108 x 713
Direct:  404-939-2108
2890 GA. HWY 212 Suite A-259
Conyers, GA.  30094
or
TEXT me for an
immediate response
 

 
 
 

 

  

September 03

Law of the Garbage Truck
 
Law of the Garbage Truck
One day I hopped in a taxi and we took off for the airport. We were driving in the right lane when suddenly a black car jumped out of a parking space right in front of us. My taxi driver slammed on his brakes, skidded, and missed the other car by just inches! The driver of the other car whipped his head around and started yelling at us. My taxi driver just smiled and waved at the guy. And I mean,  he was really friendly. So I asked, 'Why did you just do that? This guy almost ruined your car and sent us to the hospital!' This is when my taxi driver taught me what I now call, 'The Law of the Garbage Truck.'
He explained that many people are like garbage trucks. They run around full of garbage, full of frustration, full of anger, and full of disappointment. As their garbage piles up, they need a place to dump it and sometimes they'll dump it on you. Don't take it personally. Just smile, wave, wish them well, and move on. Don't take their garbage and spread it to other people at work, at home, or on the streets. The bottom line is that successful people do not let garbage trucks take over their day. Life's too short to wake up in the morning with regrets, so...Love the people who treat you right. Forgive the ones who don't.
Life is ten percent what you make it and ninety percent how you take it!
Have a wonderful, garbage-free day!
 
Teresa


8:52 AM GMT  |  Read comments(0)

July 19

NEW GEORGIA INCENTIVE WHEN PURCHASING A HUD HOME

 

Quote NEW GEORGIA INCENTIVES: $1000 Sales Allowance paid to "Owner-Occupant" buyer who goes under contract on a HUD property within its first 30 days on the market.   (That means when a HUD property appears as a "new" listing) . This incentive is only available to "owner occupants" or a buyer who will be be residing in the property.  The $1000 Sales allowance will show as a "CREDIT" on the HUD 1. 

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.


10:34 AM GMT  |  Read comments(0)

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


6:50 PM GMT  |  Read comments(1)