2. Find A Home 

This can be the hardest or the easiest part of the process! Today more than ever, Buyers have access to thousands of homes for sale on the internet, often being able to see a home's features through slide shows or virtual tours. Buying a home is often the single most important investment a person makes. Realtors can take a lot of the hassles out of home buying as they know the area, are trained in negotiating and often can spot potential problems in a new home before you go to contract. Their ability to help you in each stage of the contract phase can take a lot of the worry out of home buying. I would be happy to refer you to a reputable local Realtor.

However you choose to find your home, the best rule of thumb is to see the home purchase as an investment rather than buying with your emotions. Make a list of the features you want and DON'T want in your new home. Remember that the Seller's beautifully-furnished home will be empty when you move in! Rate each home that you see on these points before you fall in love with the color, floor plan or location.

TIP: Use your prequalification letter as leverage in the contract negotiations. Sellers want a smooth transaction and will often reduce a price simply because it appears that the buyer is well prepared to make the process quick and painless.
  1. Prequalify
  2. Find A Home
  3. Apply For A Loan
  4. Insurance & Services
  5. Closing


Georgia Heritage Federal Credit Union Home Loans by:
Independent Mortgage Associates
1955 Lower Roswell Road, Suite A
Marietta, Georgia 30068-3360



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