My Promise:
I am dedicated to my work as a Realtor.
My promise to my clients is to work very hard at helping them reach their goals, and to maintain honest, open and direct two way communication at all levels that may be required to achieve those goals.  In addition, I will assist with making the experience of home buying or selling, as simple and fun as possible. Also, as a prospective client I want to be your resource for everything that is Real Estate. To that point you will not be required to register to use any items on this website. Thanks for visiting and feel free to contact me with any questions at all.

   Sincerely,
      Joe Steele

               > Click here for a free copy the Realtors Pledge of Performance <

  > Click here for a free Spanish version of the Realtors Pledge of Performance <

      

Thank you for visiting Georgia's best real estate web site where you can find over 50,000 properties for sale by many of Georgia's best real estate companies, including DRAKE Realty. 

Here you can research homes, schools, financing and even special attractions all around Georgia to make a well informed decision for you and your family. 

Please begin your search for your dream home by clicking on Find a Home for Georgia's best real estate search engine, or contact me with any questions you may have.

Also, click on the new Choice Listing button, for more great deals on available homes!

Location...Location...Location... Communication...Communication...Communication...

I encourage you to send me a message by clicking on the Ask a Question button to the left and let me know what you would like to have me put on this site to make your search easier and more helpful to you...my client!

ARE YOU THINKING ABOUT BUYING...?

Getting Your Finances in Order: A To-Do List...IS A MUST! 

1. Develop a household budget. Instead of creating a budget of what you’d like to spend, use receipts to create a budget that reflects your actual spending habits over the last several months. This approach will factor in unexpected expenses, such as car repairs, as well as predictable costs such as rent, utility bills, and groceries.

2. Reduce your debt. Lenders generally look for a total debt load of no more than 36 percent of income. This figure includes your mortgage, which typically ranges between 25 and 28 percent of your net household income. So you need to get monthly payments on the rest of your installment debt — car loans, student loans, and revolving balances on credit cards — down to between 8 and 10 percent of your net monthly income.

3. Look for ways to save. You probably know how much you spend on rent and utilities, but little expenses add up, too. Try writing down everything you spend for one month. You’ll probably spot some great ways to save, whether it’s cutting out that morning trip to Starbucks or eating dinner at home more often.

4. Increase your income. Now’s the time to ask for a raise! If that’s not an option, you may want to consider taking on a second job to get your income at a level high enough to qualify for the home you want.

5. Save for a down payment. Designate a certain amount of money each month to put away in your savings account. Although it’s possible to get a mortgage with only 5 percent down, or even less, you can usually get a better rate if you put down a larger percentage of the total purchase, aim for a 20 percent down payment.

6. Keep your job. While you don’t need to be in the same job forever to qualify for a home loan, having a job for less than two years may mean you have to pay a higher interest rate.

7. Establish a good credit history. Get a credit card and make payments by the due date. Do the same for all your other bills, too. Pay off the entire balance promptly.

   NEW: Georgia Property Tax Appeal Information - Click Here

     And For More Money Saving Tips and Other Property Tax Appeal Tips From Clark Howard.com - Click Here 

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    Here is your first step in buying a new home, you must be able to answer this question...

DO YOU KNOW HOW MUCH HOME YOU CAN AFFORD?

  Senior Mortgage Banker Teresa Clay has over 10 years experience as a Mortgage Banker. Teresa has the solid experience and knowledge in this volatile industry to help you navigate through all your questions and put your mind at ease. Teresa will make you feel at home and she will work hard to provide you with all your options and get you the home mortgage that will work best for you and your family.

Home buyers can trust and rely on Teresa to assist in finding the best loan arrangements for you and your family.

Why not give Teresa a call or visit her website today!

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Below are a few links to information you may find helpful as a resource to understanding more about real estate and related subjects.