Buy with
confidence.

Down payment is the number everyone quotes, but it is not the whole requirement. You also need closing costs, prepaid taxes and insurance, and a reserve after closing. Depending on the loan program, the total can run several percent above the down payment itself. Georgia also has down payment assistance programs worth checking — eligibility depends on income, price and location.

No. Different loan programs have very different minimums, and the difference between a good score and a great one usually shows up in your rate rather than in approval. What hurts most is recent activity — new accounts, large balance swings, or a missed payment in the last twelve months.

A negotiated window at the start of the contract during which you can inspect the property and, in most standard contracts, terminate for any reason and recover your earnest money. It is the single most valuable term in a Georgia purchase contract and it should never be given away casually.

Different trades. New construction gives you a warranty, current systems and no deferred maintenance, usually further from the core. Resale gives you established neighbourhoods, mature trees and often a better location, with the systems risk that comes with age. Neither is universally right.

Buyer agent compensation is negotiable and is spelled out in a written agreement before we tour. It can be paid by the seller, by the buyer, or split — and it varies by transaction. I will walk you through exactly how it works for your situation before you sign anything.