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• Buying for the first time (search homes)
• Buying second home
• Buying with contingency to sale
• Buying new construction
• Buying while residing out of state 
• Buying with creative financing
• Buying for investment purposes. 

1. Initial Appointment (strategy meeting with your Dedicated Agent)
2. Proof of Funds and/or Lender Approval Letter 
3. Home Tours
4. Offer Submission
5. Offer Accepted (Under Contract)
6. Pending
7. Closing

• Each step of the process involves different tasks that you will be guided through with your Dedicated Agent.
• The process from offer to closing averages 14 - 45 days in the Metro-Atlanta, GA area. It is important to remember every purchase is unique and have its own timeline based on negotiations.

• Proof of Identity
• Proof of Funds
• Buying Timeline

General documents buyer(s) may need for the financing/underwriting process:

• Proof of Identity
• Entrepreneurs: Financial Statements (last 2 years)
• Recent Graduates (no prior income): Accepted Job Offer Letter, Degree (earned in last 12mo.)
• Tax Returns (last 2 years)
• Recent Pay Stubs and/or Bank Statements (last 3 mo)
• Credit Card Statements (last 3 mo)
• Investment, Insurance, and/or Loan Statements

*Alternative finance partners available for non-traditional income  (i.e. 1099, LLC, etc.)

Tip: Keep a designated folder/file to store all of your documents during this process 

• Avoid changing careers: maintain financial stability
• Avoid new loans: maintain a healthy debt to income ratio 
• Avoid applying for credit: maintain a healthy credit score

A healthy number to average is 5% of purchase price up to $450,000.  A minimum of 10% plus is recommended for higher purchases. It is important to remember every buyer is unique with their own special circumstances (i.e. finance type, interest rate, etc.) Here are a few items your reserves may cover:

• Earnest Money
• Loan Down Payment
• Mortgage Points
• Mortgage Insurance
• Closing Costs (attorney fees, title search, pro-rated taxes, etc.)
• Commission 
• Inspection
• Appraisal
• HOA

*Based on metro-Atlanta, GA real estate market.

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• Selling after a previous attempt
• Selling for the first time
• Selling to buy 
• Selling to retire
• Selling to relocate out of state / country
• Selling inherited property
• Selling while residing out of state 
• Selling for financial health

1. Initial Appointment (strategy meeting with your dedicated agent)
2. Pre-Market  (photos/content, staging, marketing, etc.)
3. On Market (additional options available)
4. Offer(s)
5. Under Contract
6. Pending
7. Closing

• Each step of the process involves different tasks that you will be guided through with your Dedicated Agent.
• The process from offer to closing averages 30 - 45 days in the Metro-Atlanta, GA area. It is important to remember every sale is unique and have its own timeline based on negotiations.

On Market

• Traditional (exterior display, lockbox, showings)
• Marketing + Advertising (professional photos/videos, staging, open houses, etc.)
• Move In Ready Condition 
• Generally offers Top Dollar due to greater buyer exposure
• Offers Vary (depends on local market activity, property condition, and location)

Off Market

• Cash Offer Within 7 Days (from our ready and able buyers)
• Skip Marketing + Advertising
• Any Condition
• Quick Close 

*Peace RealtyCo offers both options.

Banks and lenders do not rely on algorithms or software; neither should you. The bank or lender always have an in person valuation completed by a licensed professional (i.e. appraisal, broker price opinion, etc.) to determine the value of a property before loaning funds.  Consult a professional for an accurate property valuation.

• Know where you are going next; have a game plan if you are living in the house you're preparing to sell
• Have a desired selling timeline in place  
• Get Started Online

Current market conditions in your local area (i.e. zip code, school district, neighborhood, etc.) dictates average sales times; in addition to selling on or off market. 

*As of  March 2025, days on market (the time it takes to receive an offer) in the Metro-Atlanta, GA area averages 7 - 45 depending heavily on the exact location + marketing strategy.

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