If you are looking to buy a home in Atlanta at the best bargain possible or make an investment in the growing housing market in Atlanta, Georgia, buying a home that has been foreclosed upon is a great option. Like many cities in the United States, Atlanta was hit hard by the mortgage crisis, resulting in thousands of foreclosed homes that can still be bought at a fraction of their value today. However, finding legitimate foreclosed homes for sale can be tricky, with many websites publishing fake or old foreclosure listings. If you are looking to purchase a foreclosed home in Atlanta, GA here are some options that you can trust.
Atlanta Public Records
All foreclosures that occur in Atlanta GA will be registered and recorded at one of the County Recorder’s Office in one of the 24 wonderful counties that make up the greater Atlanta area. These records are public and available to anyone who takes the trip over. The biggest bonus of this method is that you can find foreclosed homes in Atlanta, GA for free!
Browsing the Web
If you don’t want to take a trip to any of Atlanta’s County Recorder’s Offices or if you’re not exactly sure which county in Atlanta, GA you are interested in buying a foreclosed home in, then there are a ton of great, and very legitimate, websites that have compiled large listings of foreclosed homes. These websites can be either national or regional, but for almost all of these websites you will be required to pay a fee in order to view their listings. If you are willing to pay the subscription fee, these websites do provide very large and detailed listings of foreclosed homes in Atlanta, GA. Fortunately, many of these websites will offer free trials which you can use to find a website you can trust. Another reliable source on the internet that can provide you with foreclosure listings for the Atlanta metro area that you can trust is national bank websites. Every large American bank has a huge number of REO, or Real Estate Owned, properties that you can look through, usually for free.
Talk to Local Real Estate Agents
There are many real estate agents in Atlanta, GA who specialize in listing and selling foreclosures. These agents are the most reliable and knowledgeable resource you can find so if you are willing to take the time to make some calls and set up a few meetings, with the help of a real estate agent you can find some of the best foreclosed properties in all of Atlanta, Georgia.
Talk to Asset Managers
Some mortgage lenders will rely upon asset management companies to deal with their foreclosures. There are many national asset management companies with regional branches in Atlanta that can not only provide you with foreclosure listings, but can also capable of helping you close the deal if you find the home you are looking for.
Look for Government Foreclosures
It is not only individual home buyers who foreclose on their homes in Atlanta. There are also a number of properties in Atlanta, GA that have been foreclosed by a number of government departments. You can easily find a directory of government foreclosure listings online.
If you are buying a home in Atlanta, Georgia, chances are you will be taking out a mortgage on that home as well. Buying a home is one of the biggest decisions you will make in your lifetime and choosing a good mortgage lender is an important part of the process. If you are taking out a mortgage in Atlanta, it is not hard to find a mortgage lender. The hard part is finding the right mortgage lender that will get you the best mortgage possible and provide helpful advice and assistance both during and after the home buying process.
Before you even start looking for a house in Atlanta GA, you should find a good mortgage lender first. A mortgage professional will help you determine how much you can spend on your home based on your assets and your credit rating. If you are looking for a helpful and well-respected mortgage lender in Atlanta, the best person to ask would be your real estate agent. If you have chosen your real estate agent well, you have also chosen an expert in the Atlanta housing market who can find not only the perfect home for you, but can also connect you the best professionals in the Atlanta area who can help you finance your home. Any real estate agent who has been in the business for a while will have built strong relationships with particular lenders who have proven their ability to provide good rates and exceptional service over a long period of time. This does not mean that you should blindly accept what you realtor tells you to do. If you have any close friends or family that live in Atlanta, GA or recently moved to the Atlanta, ask for their advice as well. Finally, the internet is always a great resource when looking for reviews of any professional. Websites like Yelp and Angies List contain thousands of reviews of mortgage brokers in Atlanta GA. If you find an Atlanta mortgage professional with many positive reviews, he or she may be worth a look.
After speaking with a number of people and possibly looking online as well, you will most likely have a list of mortgage lenders in the Atlanta to choose from that you then have to narrow down. When comparing mortgage lenders, the first thing you will look at will naturally be the interest rate that each one charges. While this is certainly important, it is not the only fee you should be looking at. Most mortgage lenders will charge additional fees that can pile up, so make sure to read over each offer thoroughly. Also keep in mind that your relationship with your mortgage lender will last for most if not all the years that you are living in Atlanta, GA. Once you have narrowed down your options, make sure to meet with each mortgage lender you are interested in to make sure that they are qualified to assist you and able to provide helpful advice. There are many ways to find a mortgage professional in Atlanta, and many pitfalls. So when you are looking for the best possible mortgage lender for you in Atlanta, GA make sure to be careful and thorough in your search.
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