Get Pre-approved! After an initial conversation with a lender, they will send you a mortgage application. It is good to have the following on hand, because your lender will ask for them: A copy of your driver’s license, tax returns from the last two years, bank statements from the last two months, your social security number, your employer’s contact information, any assets helping with your purchase, and any liabilities for a debt/income ratio evaluation
Know that the hard pull on your credit is temporary, and if you are shopping around for lenders, multiple pulls in the same 45 day period are recorded as a single inquiry!
Consider pre-underwriting when searching for a pre-approval so that way your offer can close quicker and carry purchasing power more comparable to a cash offer.
Start Your Search
This is where you get to dream! As you do that, it’s helpful to keep some considerations in mind. What are the priorities for you when searching? What homes fit your habits and lifestyle? And then, what are more logistical concerns? Consider the elevation of the home, insulation, repairs, parking, size and layout in relation to your long term plans.
Get in Contact
Reach out to AthensHomes! We can discuss the best course of action and a step by step plan to find the home meant for you.
AthensHomes will use its database to comb comparable properties and hone in on the houses that best fit your needs. Cindy will accompany you to visit and analyze the pros and cons of different locations based on what she has come to know about you and your aspirations. Her trained eye will spot issues worth avoiding as well as diamonds in the rough.
If you submit a bid on a home and are chosen, there are a few more steps involved afterward.
Purchase and Sale Agreements will outline the terms of the contract while open. If accepted, earnest money is held in escrow by the closing attorney (and will contribute to the down payment if the contract closes). During this time there are often amendments to the contract and contingency periods where you get to carry out inspections and appraisals. Outstanding liens and title defects will come to light through a title search, and interest rates will be locked in by lenders during this “due diligence” period. Cindy is here to make sure you have a competitive edge in the probable event that there are multiple offers.
Woohoo! It’s almost time to celebrate. Outstanding logistics include transferring escrow funds, paying fees and revising the deed into your name. Afterward, you get the keys and the venue for your housewarming party!
Rated #1 in Customer Service
Through her past 32 years of work, Cindy has played an active role in shaping the Athens community. By listening to the needs, wishes and long term goals of her clients, she has forged close ties within her relationships and cultivated a sense of trust and well-being amongst those who have had the pleasure of working with her. Athens knows and loves Cindy, and Cindy knows and loves Athens.
Get In ContactCall Cindy: 706-540-5179
Cindy has helped me and my husband sell three properties and buy two over the last 15 years. In the current market, I was a little nervous about the whole process. We planned on buying a new house first and then selling our current home. She told me not to worry and she was right! It took a bit to find our new home, but once we found it, we knew it was the right choice! During and after the sale, she went above and beyond for us and we couldn’t have been happier! She is a truly kind, caring and patient person, who knows every aspect of her profession. Once we found the perfect house, we had to do some renovations to our house we were getting ready for the market. She was there every step off the way. She even lined us up with her most trusted professionals who made everything happen on time, with beautiful results! The sale of our home was quick and smooth thanks to her! I’ve said I’lll never move again… but if I need to, I hope Cindy can be there every step of the way!Laura R Buyer & Seller with Cindy
"As first time home buyers, we needed someone we could trust to help us find the right home for us. Cindy is just that - a trustworthy and knowledgeable agent who took everything we wanted into consideration. From start to finish, Cindy provided an amazing house shopping experience. We’re certainly glad we listened to a friend’s recommendation and had Cindy on our side!"Brooke First-time home buyer with Cindy
“We have known Cindy for almost 17 years now. She has sold two houses for us and helped us build a home and renovate another house. She worked with us patiently for almost a year to find our latest house. She gave us practical advice while building and helped us locate workers for our renovation. She knows everybody in town and even helped us find a puppy once we moved. She also assisted us when we moved my father to town during the pandemic. She is kind, compassionate, smart, and business savvy. Her knowledge and experience makes her the best realtor in town.”Lloyd & Susan Buyers & Sellers with Cindy
“Having just brought our new home in Comer GA with Cindy McGarvey, I have to say, Cindy is the best agent I’ve ever worked with finding our new home. Cindy is so friendly and makes you feel like one of the family, goes out of her way to answer all of your questions and helps you find people to help make your experience so easy. Even the smallest of questions she has an answer for. I have a favorite saying that I use all of the time, “on a scale of 1 to 10 Cindy is a 21.” I would recommend Cindy to anyone who needs help in finding or selling a home.”William and Janis Comer, GA Homebuyers
“If given the chance, we would never work with any realtor but Cindy. We were new buyers whose first offer on a house in Athens fell through. Undeterred and committed to finding us a home, Cindy patiently hauled us from house to house on a whirlwind excursion that ended in the perfect place for us and some of the best memories ever. When we had to move out four years later for professional reasons, the only call we knew we'd need to make was to Cindy, and she helped us get everything we wanted and more. She makes the scary prospect of buying a home comfortable and even a little bit fun.”Taylor Cole Miller Home Buyer & Seller with Cindy
"After the loss of our father, selling his house and land was a huge endeavor for us. It was a pleasure working with Cindy McGarvey who was honest, professional, and so very patient with us. Her extensive knowledge and attention to detail for selling a large home with considerable acreage was extremely useful. We always felt that she had our best interest in mind."Jennifer Gilliam Home Seller