Zac Pasmanick - The Zac Team


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10 Ways to Prepare for Homeownership

by Zac Pasmanick - The Zac Team @ RE/MAX Metro Atlant


10 Ways to Prepare for Homeownership

  1. Decide what you can afford. Generally, you can afford a home equal in value to between two and three times your gross income.
  2. Develop your home wish list. Then, prioritize the features on your list.
  3. Select where you want to live. Compile a list of three or four neighborhoods you’d like to live in, taking into account items such as schools, recreational facilities, area expansion plans, and safety.
  4. Start saving. Do you have enough money saved to qualify for a mortgage and cover your down payment? Ideally, you should have 20 percent of the purchase price saved as a down payment. Also, don’t forget to factor in closing costs. Closing costs — including taxes, attorney’s fee, and transfer fees — average between 2 and 7 percent of the home price.
  5. Get your credit in order. Obtain a copy of your credit report to make sure it is accurate and to correct any errors immediately. A credit report provides a history of your credit, bad debts, and any late payments.
  6. Determine your mortgage qualifications. How large of mortgage do you qualify for? Also, explore different loan options — such as 30-year or 15-year fixed mortgages or ARMs — and decide what’s best for you.
  7. Get preapproved. Organize all the documentation a lender will need to preapprove you for a loan. You might need W-2 forms, copies of at least one pay stub, account numbers, and copies of two to four months of bank or credit union statements.
  8. Weigh other sources of help with a down payment. Do you qualify for any special mortgage or down payment assistance programs? Check with your state and local government on down payment assistance programs for first-time buyers. Or, if you have an IRA account, you can use the money you’ve saved to buy your fist home without paying a penalty for early withdrawal.
  9. Calculate the costs of homeownership. This should include property taxes, insurance, maintenance and utilities, and association fees, if applicable.
  10. Contact a REALTOR®. Find an experienced REALTOR® who can help guide you through the process.




We at The Zac Team will help you and guide you throughout the entire process w/out the stress!Contact us NOW!



Things to consider when choosing a Real Estate Agent

by The Zac Team


The decision to buy or sell a home is one of the most important financial decisions most people make,
yet many give little thought to finding the real estate agent best suited to their needs. The right agent can save you time, effort, and aggravation in finding the perfect home at a price you can afford or selling your home quickly for top dollar. Most advice for picking a real estate agent is pretty standard: Find somebody who'll listen to you, who's experienced, sweats the details, and works evenings and weekends. Although the advice is true, it is also subjective. For some people it's not difficult to choose a real estate agent - they pick one based on personal recommendation from friends and family. According to a report by the National Association of Realtors, more than half of home buyers found their agent this way.
"People typically go with people they know," says Tony Joe, who has been selling for 20 years. "For the consumer's standpoint it's all about networking. Unlike other areas of sales, real estate agents have access to the same inventory pool. What sets them apart is their level of experience, professionalism, knowledge and. marketing or negotiation style."
To help you select an agent with the right skills, testimonials, experience, competence and reliability, here are a few pointers.
Any agent who has been selling for a while should have a list of happy customers. Many people would trust a recommendation by a friend or family member. As a last resort, a person can review a real estate agent's qualifications by viewing their website. Then, when you have chosen an agent, find out if your chemistry works by asking about their productivity, knowledge, and experience. As a client you have the right to be informed and to know the people you entrust your finances and investments with. Know what your agent will do for you, find out their capacity and resources on how to market and advertise your property, and inquire about how the agent is going to keep you informed about the transaction's progress. Don't expect an agent to call you instantly when you leave a message, but do expect a call back within 24 hours or a reasonable amount of time depending upon the situation.
One of the reasons a person lists a home with a real estate agent and the professional listing service is because he wants other real estate agents showing the home to their clients. A listing agent who is generous in sharing the potential commission with others typically gets more house viewings.
It is important that the agent chosen has experience both in the property type and price range. Find an agent that works within 10 miles of the listed home. He or she will know the area and will know the market better. Your house or the house you are buying is a commodity. Supply and demand within a neighborhood play an important role in pricing and timing of a sale.
An excellent agent is the most important to you when buying a home. They should have experience and should be able to guide you through the complexities of the process. If you have chosen the right agent, you will have a positive experience throughout the entire home buying or selling process!
Looking for the right real estate agent in the Atlanta area? Call Zac Pasmanick at The Zac Team!
404.564-7272 or 404.917.0710.

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Contact Information

Photo of Zac Pasmanick  Real Estate
Zac Pasmanick
RE/MAX Metro Atlanta Cityside
600 Virginia Avenue NE
Atlanta GA 30306
Office: 404-564-7272


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