Your Emory/Northlake/Decatur Area Expert

      Buyers are coming into the office, especially first time buyers.  They are shopping for the best home for the least price and being very very particular, as they should be.   Consequently, in the $350,000 and below price range the inventory is being reduced on homes that are priced correctly.   

The Stimulus Package includes a tax credit of up to $8000 for any first time home buyer (a buyer who has not owned a home in the past 3 years)  who purchases a home before April 30, 2010.  For Single buyers the credit begins to be phased out if annual income is over $125,000 and above $225,000 for married couples.  For details go to federalhousingtaxcredit.com.     To Qualify for the credit, a contract for purchase of a home must be binding on or prior to April 30 but may be closed within 2 months after April 30. 

   Additionally, there is a new credit for "step-up" buyers.  The credit is up to $6,250 for buyers who also sell a home that they have owned for at least 5 years. 

    Try to keep in mind that even though you sell your home at a price that is lower than it would have been last year, you will also be on track to buy its replacement for less than you would have paid last year.  And the interest rates now are the lowest in FIFTY YEARS for fixed mortgages.  If you have a down payment and a decent credit score you can easily get a home mortgage at a fabulous rate.   And FHA mortgages are available with a 3.5 % downpayment.  I have a list of several mortgage brokers and lenders who will be happy to give you exact figures and help you figure out what you can comfortably and safely afford. 

       The Emory/Decatur area is holding reasonably good value compared to other parts of the Metro area, but real estate is a highly localized market.  You can literally cross the street and enter a different market climate with completely different conditions.  Our Mantra for Sellers in this area is  "if you price it correctly it will sell".  This is a price driven market, without exception.

     With my knowledge of the local real estate market, I know how to help you with your unique needs and protect your best interests through every aspect of a real estate transaction. I am focused on providing you with the most personal attention and best service available.

 

2654 Danforth Lane is my newest listing, tucked into the cul-de-sac of Danforth Lane in Oak Grove /Lakeside School District in unincorporated Dekalb County.   Enjoy large bright, light rooms, high ceilings extensive moldings and plenty of space in this classic traditional home with an open floorplan and full finished basement.

Click on my listings for more information and pictures, or send me an email to set up an appointment to see this fabulous home.

You need the advice of a Real Estate Professional
The Internet is a great place to find information. But it can't provide the in depth local knowledge and personalized service of a local real estate professional. The challenges of the real estate industry are getting more complex every day. You need a professional who is on top of the market and is prepared to protect your interests and guide you throughout the process. As a local real estate expert I am constantly researching the market and analyzing home prices so I can serve you with the latest and most accurate information.

For most families, buying or selling a home is a big and difficult decision. I'd be honored for the chance to help you in any way that I can.


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Today's Rates:

Mtg Loan    Rate  APR
30-yr Fixed5.01%5.17%
15-yr Fixed4.4%4.63%
1-yr Adj4.22%5.24%
* national averages



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I am your Emory Hospital and University/CDC/VA Hospital/Decatur area specialist.  Dekalb County is my Home!  For school information:  www.dekalb.k12.ga.us/  and for any Dekalb County Government information including property tax info, homestead exemption information and Driver's Licence Renewal Sites: www.co.dekalb.ga.us   I am here to help you with your Real Estate needs.  My cell phone is the best way to reach me, 404 663 1560 or email at glsears@bellsouth.net


Century 21 Holley Realty & Associates 2749 Lavista Rd Decatur, GA 30033-1701
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