Amber Davis

“You’ve got to have squeaky clean credit to buy a house.” Hands up if you've heard this. Want to know the real talk?

The credit score you need really depends on the type of loan you're after. While a fixed-rate loan will require a score of at least 620, you may qualify for an FHA loan with a score as low as 500. And if you’re active-duty military, you'll be glad to know there’s no minimum credit score requirement at all for VA loans.

Don’t throw in the towel on homeownership because you have a less-than-perfect credit score. Send me a DM to chat, and let’s look at your options together!

I'm always accepting new clients! I'm here to get you to the closing table.

Amber Davis
770-568-7644
The Mack Team / Keller Williams Realty Mid GA
[email protected]

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"Not everything to be faced can be changed; but nothing can be changed until it is faced." - James Baldwin

To remember and pay tribute to the day slaves finally received their freedom, June 19 is recognized and celebrated each year.⁣
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Don't let this day pass without reflecting on its importance. Know of Juneteenth celebrations in our area? Please share them below!

⁠Amber Davis, Realtor⁠
Amber Davis Premier Properties ⁠
770-568-7644⁠
[email protected]
Brokered by KW

"results that move you"

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Oh, I love it when I'm asked this question—especially in this sizzling market! So sellers, grab a pen and paper, your smartphone, or just your noggin, and let’s crunch some numbers.⁣
Take your selling price and subtract:⁣⁣
1. Mortgage payoff amount (Heads up! This isn’t the same as your last statement balance.)⁣
2. Real estate commissions (Typically 6%; 3% for buyers agent and 3% for your agent.)⁣
3. Costs to stage and prep your home (Budget 1% of selling price.)⁣
4. Seller concessions (Costs you agree to pay to help close a deal; usually 1.5-2% of selling price.)⁣
5. Moving expenses (Plan for 1% of selling price.)⁣
⁣All said and done, seller expenses average 10% of the selling price. If that sounds high, don’t fret! In this market, home prices are up close to 10% — and that's after a 19% jump in 2021! Ready to talk comps and listing your home? DM me.

⁠Amber Davis, Realtor
⁠Amber Davis Premier Properties
⁠770-568-7644⁠[email protected] by KW
"results that move you"

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If you're considering whether it's time to stop renting and purchase a home, I want you to keep in mind that the interest rate on renting is 100%.⁣
However, renting has its perks. No maintenance costs, no down payment, flexibility to move, no concern about property value. The truth is your monthly rent payment is just like paying 100% interest month after month after month. ⁣
⁣You see, when you toss the financial jargon, interest, at its simplest, is the fee you pay to live in your home. When you rent, that’s what you’re doing. You’re paying a fee month after month, gaining nothing other than a roof over your head.⁣
⁣When you buy, yes, you’re paying a fee (your mortgage) month after month, but you’re gaining SO much more than just a place to call home. You get:⁣
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- An appreciating investment (existing-home sale prices rose 14.6% in 2021!)⁣
- Increasing equity (every month, the bank owns less of your home, and you own more!)⁣
- Predictable housing costs (a fixed-rate mortgage will never change)⁣
- Advantages come tax time⁣
- Freedom to personalize however you choose⁣

⁣In almost every situation, it pays to buy vs. rent. Want to talk more and run the numbers? Let’s do it! Leave a comment or send me a DM, and I'll be in touch.

⁠Amber Davis, Realtor⁠
Amber Davis Premier Properties ⁠
770-568-7644⁠
[email protected]
brokered by KW

"results that move you⁠"
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Did you know that June is National Homeowners Month?!⁣

As National Homeownership Month kicks off, homeowners have every reason to celebrate. Our Homes are so much more than the houses we live in. For many they have become our workplaces and safe harbors in which we've weathered the tough times during a global pandemic. The benefits of owning a home aren't purely financial. Here are some of the top ways you can win by owning a home.
-Pride of ownership: owning a home is having a space that is uniquely yours. You can customize it to your personal liking and make it reflect your personality and values.
-A safe space: owning a home gives you a sense of security and privacy- two things that have become even more valuable as we've tackled the challenges of the recent health crisis.
- Forced savings: owning a home builds equity. Your equity grows with each payment you make toward your mortgage. This form of forced savings can be used down the road to help accomplish your biggest financial goals.
-Stability: owning a home means having better control over your future housing payments. Over the years, a mortgage stays relatively steady, but rent costs continue to rise.

If you own your home, take time this June to celebrate the ways homeownership has added more value to your life. If you hope to become a homeowner this year, let's connect today to take the first steps toward achieving your goal. ⁣

Where are our homeowners at? Raise your hand in the comments!

⁠Amber Davis, Realtor⁠
Amber Davis Premier Properties ⁠
770-568-7644⁠
[email protected]

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