First Time Buyers
Our office handles the day to day challenges of being a first time homeowner. We recognize that buying your first home is usually the largest purchase you will make in your lifetime and take all the steps to walk you through this exciting event. Our attorney is available to discuss with you all facets of your pre-closing concerns. From home inspection to surveys, appraisals to financing contingencies, new construction to permitting, we ease your worries and make the home buying experience comfortable and re-assuring. Moreover, our office is networked with various contractors and maintenance crews that can assist you with your upcoming move, upgrades and any upcoming cosmetics to your home.
Loan Default/Foreclosure/Loan Modifications/Forbearance
When you secure a home loan from another party, you pledge to repay the loan in exchange for the security of your home. In the event you fail to pay your loan debt, the lender can foreclose on the property and recoup its investment. In Georgia, the foreclosure process is fairly quick and simple. In fact, in Georgia, most security deeds contain a due on sale clause which permits the lender to sale the property via a non-judicial foreclosure provided it notifies you with the Notice of Sale 30 days in advance of the foreclosure, publish the foreclosure for 4 consecutive weeks, and cry the sale on the first Tuesday of each month between the hours of 10:00 AM and 4:00 PM.
Some market conditions, however, do not warrant lender’s foreclosure. With home inventory being at an all time high, most lender opt to work with homeowners so to allow the property to be occupied and maintained while the borrower pays a discounted mortgage payment. The payment of a mortgage for a sum less than original agreed it typically accomplished through a mutual agreement between the homeowner and the bank and the agreement is typically called a loan modification. Simply put, the original terms of the loan modified (amended) to provide the homeowner with additional time to either refinance, sale, or secure other financing to pay the loan when the modification period expires. At times, the lender may be inclined to forebear on interest, fees and other charges and roll these items to the back of the loan so given a grace period to stabilize your income and payment. Needless to say, it is important to pre-empt any default with the lender in order to preserve your credit and standing.
Having our office represent your interest is highly recommended to provide your lender with the perception that you are serious about your financing while balancing a lender’s desire to leverage on you situation. Together we can preserve your credit and your home.
Don’t Take A Chance Doing It Alone
Too often, consumers are guided by inexperienced agents, misguided friends and family that portray the purchase of real estate, refinance, leasing, and other real estate matters as simple common sense transactions. In real estate, the stakes are high, and it’s your money. We can guide you in the right direction and provide you with items to look for in navigating through your transaction. Your success lies with the source for which you receive advice, and sound advice come from experience. With more than 20 years in combined residential/commercial experience you can count on our office to take you in the right direction.
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