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One of the primary reasons to consider buying a home is the nature of investing. As you make monthly mortgage payments, you build more equity in the property. Eventually, this equity can be leveraged to improve your financial situation. Two options you have to take advantage of the equity in your home are a cash-out… Continue reading Cash-Out Refinance vs. HELOC: How to Choose the Right Home Equity Option?

How Delinquency and Default Differ in Lending Terms Taking out a loan is often associated with purchasing a home, but it also involves risks related to borrowing money. You must cover the monthly payments for the entire duration of the loan; otherwise, you may face late fees or even forfeiture of the home.  Two key… Continue reading Loan Delinquency vs Default: What Borrowers Need to Know

Buying a property is a great opportunity to invest in your future. Many options are on the market for potential buyers, including condominiums (condos) and townhouses. Condos and townhouses can offer an escape from the rental space without the full commitment of a single-family home.  Although condos and townhouses often get grouped together, they have… Continue reading Condo vs Townhouse: A Clear Comparison for Buyers

What is DSCR in Real Estate? Acquiring investment properties in Georgia can be challenging. Many markets are competitive with other buyers, and the prices of properties may prevent many potential investors from investing.  One real estate investing tool that can help you begin or grow a real estate portfolio is a debt-service coverage ratio (DSCR)… Continue reading The Role of DSCR in Real Estate: How to Expand Your Investment Portfolio in Georgia

Real estate investing can lead to greater wealth, especially in a growing market like Atlanta, Georgia. A debt-service coverage ratio (DSCR) loan is your best option when you need a financing tool to buy a rental property.  These mortgage loans focus on a property’s ability to generate rental income rather than the borrower’s income. Lenders… Continue reading How to Meet DSCR Loan Requirements: A Checklist for Atlanta Investors

Georgia has numerous appealing markets for real estate investors. Owning investment properties can be a path to greater wealth and financial freedom. Unfortunately, many potential investors are kept out of the industry by intimidating home prices and the upfront costs.  Depending on your financial situation, there are two primary options to borrow money and purchase… Continue reading DSCR vs. Conventional Loan: Which is Better for Georgia Real Estate Investors?

One of the most popular options for Atlanta investors is a debt-service coverage ratio (DSCR) loan. This type of loan is specifically tailored to investors and focuses on cash flow rather than personal income, making it ideal for an investment property.  If you want to purchase income-generating properties in a competitive market like Atlanta, Georgia,… Continue reading What is a DSCR Loan: A Beginner’s Guide for Atlanta Real Estate Investors

Understanding USDA Loans for New Construction USDA loans are mortgage products only available for specific properties and borrowers. The United States Department of Agriculture insures these loans so lenders can offer more favorable terms to low-to-moderate-income buyers than conventional loans. Houses must be located in designated rural or suburban areas by the USDA to be… Continue reading How to Use USDA Loans for New Construction in Georgia?

Introduction to USDA and FHA Loans Purchasing a home in Georgia is expensive, no matter where you start your home-buying journey. Most people would not be able to become homeowners without home loans, but even conventional mortgages are out of reach for many borrowers. However, the federal government has created programs to incentivize homeownership by… Continue reading USDA Loan vs. FHA Loan: Which is Right for Georgia Buyers?

What is a USDA Loan? Most Atlanta-area homeowners purchase their properties with a mortgage. Conventional loans and FHA loans are the most common home loan products, but these mortgages are not for everyone. Prospective buyers who may not qualify for these home loans or have specific properties in mind can apply for the USDA loan… Continue reading How to Qualify for a USDA Loan in Atlanta: Eligibility Criteria and Steps