Should You Refinance Your Mortgage in Georgia?A refinance replaces an existing mortgage with a new one. Whether that makes sense depends on what you want to accomplish and the costs of the proposed change. Before comparing offers, write down your main goa
Debt-to-Income Ratio for a Mortgage: An Atlanta Buyer's GuideYour credit score is not the only number that matters in a mortgage application. Lenders also consider how your monthly obligations compare with your qualifying income. Understanding debt-to-inc
Self-Employed Mortgage in Atlanta: How to PrepareRunning a profitable business and documenting income for a mortgage are related, but they are not the same task. If you are self-employed and buying in Atlanta, begin the financing discussion before committ
What Credit Score Do You Need to Buy a House in Georgia?There is no single credit score that answers this question for every Georgia buyer. The relevant requirements depend on the loan product and lender, and your score is one part of the application. Rat
FHA vs. Conventional Loans in Georgia: How to CompareWhen Georgia homebuyers compare FHA and conventional loans, they often start with the down payment. That is useful, but it should not be the whole comparison. A more complete review includes your availa
Down Payment Assistance in Atlanta: Questions to Ask FirstIf you can manage a housing payment but are still building your purchase savings, down payment assistance may be worth exploring. The important step is understanding the entire program before depen