<p style="color:#333333;">If there is a silver lining to the economic meltdown, it's the fact that mortgage rates have rarely been as favorable as they are today for first time homebuyers.Despite the drop in property values, home ownership is still your best bet for accumulating wealth and increasing net worth. For those of you who may have been unable to consider buying a home in past years, there is no better time than the present to take the leap…if you're ready that is.</p>

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<center><p style="font-weight:heavy; font-size:medium; color:#660000;">So, how do you know if you're ready? Just review the following guidelines to see if home ownership is right for you.</p></center>

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<p style="color:#333333;">First, the decision to buy a home should not be taken lightly. Evaluate your situation and ensure you're ready for the commitment home ownership requires. Financial stability and a sound credit score are two essential components. Create a budget to determine if you can afford the down payment, monthly payments, and additional expenses.</p>

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<p style="color:#333333;">Second, research the market where you wish to purchase your home. Yes, it's still a buyer's market out there so if you're looking for a great deal, take your time and find the right one for you. The school system (if you have children), public works, and other lifestyle factors should be taken into consideration. Find a buyer's real estate agent who empathizes with your needs and can perform much of the actual legwork for you.</p>

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<p style="color:#333333;">Third, if you've reached the conclusion that you are ready to plunge into home ownership, it's time to shop for a loan. Keep in mind that you are financing what is likely to be the largest loan you've ever applied for so take your time and ensure you are comfortable with your mortgage company and the terms of the loan.</p>

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<center><p style=" font-weight:heavy; font-size:medium; color:#660000;">If you have any questions in regards to a mortgage, please feel free to contact one of our senior mortgage bankers at (678)-381-2273 or apply online by clicking the link below!!</p></center>

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<center><a href="http://www.georgiabestrate.com/apply-online/">Apply Online</a></center>

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<center><span style="font-weight:heavy; font-size:medium; color:#003399;">Next time: we'll discuss the factors you should consider when shopping for a home loan.