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Getting Approved Should Always Come First

In many markets across the country, the number of buyers searching for their dream homes greatly outnumbers the number of homes for sale. This has led to a competitive marketplace where buyers often need to stand out. One way to show you are serious about buying your dream home is to get pre-qualified or pre-approved for a mortgage before starting your search. Even if you are in a market that is not as competitive, understanding your budget will give you the confidence of knowing if your dream home is within your reach. Freddie Mac lays out the advantages of pre-approval in the ‘ My Home ’ section of their website: “It’s highly recommended that you work with your lender to get pre-approved before you begin house hunting. Pre-approval will tell you how much home you can afford and can help you move faster, and with greater confidence, in competitive markets.” One of the many advantages of working with a local real estate professional is that many have relationships

Roswell Brings Outdoor Concerts To City Hall Music on the Hill will debut in September and October, and return for a full season from April through October in 2019. ROSWELL, GA — The city of Roswell is rolling out another way to kick off the weekend. Roswell is launching a new, free outdoor concert series on the grounds of City Hall. Music on the Hill will make its debut this September and October, and return for a full season on the second Friday of each month April through October in 2019. First to take the stage is recording artist Toni Byrd and her Big Band, who will present "To Natalie, With Love," a celebration of the music of Natalie Cole, from 7 p.m. to 9 p.m. Friday, Sept. 14. Byrd is the winner of 2014 Black Women In Jazz Awards for Best Black Female Jazz Record for "Autumn In New York" and was semi-finalist in the 2014 Sarah Vaughn International Jazz Vocal Competition. Hosted by the city and sponsored by Carl Black Buick-GMC, with musical produ

Is the Real Estate Market Finally Getting Back to Normal?

The housing market has been anything but normal for the last eleven years. In a normal real estate market, home prices appreciate 3.7% annually. Below, however, are the price swings since 2007 according to the latest Home Price Expectation Survey : After the bubble burst in June 2007, values depreciated 6.1% annually until February 2012. From March 2012 to today, the market has been recovering with values appreciating 6.2% annually. These wild swings in values were caused by abnormal ratios between the available supply of inventory and buyer demand in the market. In a normal market, there would be a 6-month supply of housing inventory. When the market hit its peak in 2007, homeowners and builders were trying to take advantage of a market that was fueled by an “irrational exuberance.” Inventory levels grew to 7+ months. With that many homes available for sale, there weren’t enough buyers to satisfy the number of homeowners/builders trying to sell, so prices began to

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