Erin Mosher’s Post

Black Friday isn't just for scoring deals on vacuums, and blenders. Deals can be found in real estate, too - but you gotta know where (and how) to find them. Ahead of the big day, here are 5 tips to help you navigate the November market to snag the home of your dreams. 1) Research, research, research: Scout out neighborhoods, check property listings, and familiarize yourself with market trends. Take note of properties that have been on the market for longer than 4-6 weeks, have had one or more price reductions, or have expired — all potential clues the sellers are motivated. 2) Get pre-approved: Don't let a deal slip through your fingers due to financing issues. Get pre-approved for a mortgage to show sellers you mean business.  3) Be flexible: Keep an open mind when it comes to location and property type. Sometimes the best bargains are found in unexpected places. Stay optimistic and be ready to move once something pops up that fits your needs. 4) Set your budget: It's tempting to stretch your budget when there’s low inventory and lots of buyers. Don’t do it. Set a price you feel comfortable with and stick to it - no matter what.  5) Work with a pro: Enlist the help of a local agent who knows the ins and outs of the market. You'll get an insider’s knowledge of overlooked or underpriced properties that may be perfect for you.  This Black Friday, be on the lookout for some serious deals, including real estate ones. As always, let me know if you need assistance - and in the meantime, happy hunting! Erin Mosher Atlanta Fine Homes Sotheby’s International Realty c. 404.931.5326 o. 404.991.7575 [email protected]

Happy Thanksgiving! Wishing you a Thanksgiving filled with warmth, joy, and gratitude. May your heart be as full as your plate! 🤎

Showings can be a blur, especially when you're looking at multiple homes in one day. Here are some buyer tips to keep them all straight:  1) Revisit your wants vs. needs list and budget. 2) Take pictures and videos to jog your memory later. This way, you can compare different homes and remember the details of each one. 3) Think carefully about the lot, lot size, and location — especially since you can't change them. 4) Look for structural integrity issues like water damage, cracks in walls or ceilings, and sloping floors. 5) Pay attention to noise levels from nearby roads, airports, and railways. This can play a role in your lifestyle and liking. 6) Look past decor and staging. These things will soon be gone, so focus on the features of the home itself. 7) Most homes have cameras, so try to keep your opinions and thoughts to yourself until you've left. Save this post for later so you can reference it at your next showing or reach out with any other questions about buying — I’m here to help however I can! Erin Mosher Atlanta Fine Homes Sotheby’s International Realty c. 404.931.5326 o. 404.991.7575 [email protected]

Time to get all of your grocery shopping done for Thanksgiving! I hope you get to get out and enjoy a few of the great events around town this weekend! * * * * * #ATL #atlrealtor #atlrealestate #atlantafinehomes #sothebysrealty #afhsir #atlantarealestate #metroatlantarealestate #luxuryrealestate #realestate #luxury #luxuryhomes #atlantarealtor #atlantahomes #realtor #sothebys #erinmosherrealestate

Ten years ago, a new home cost about $60K more than an existing home. Not anymore. Today, new construction and existing homes are virtually on equal price footing. That said, here are a few reasons why a new home may be right for you: • New homes are built with the latest materials and technologies, making them more energy-efficient and sustainable. • You may be able to customize your new home by choosing the floor plan, finishes, and appliances. • Most new homes come with a warranty, which means major problems will be covered. Plus, with new systems and appliances, there shouldn't be any costly surprises anytime soon.  • New construction homes typically have modern community amenities. Think walking trails, dog parks, playgrounds, and a community pool and clubhouse.  • Let’s face it. As much as you might love the idea of a fixer-upper, most people don't have the time or capacity for major renovations or upgrades. A home you can walk into, hang a few pictures on the wall, and call it a day sounds well…pretty nice.  Keep in mind a new home can take several months to be completed. But if you can weather the wait, a new construction might be ideal for your next home. Want o know more? Reach out today! Erin Mosher Atlanta Fine Homes Sotheby’s International Realty c. 404.931.5326 o. 404.991.7575 [email protected] Source: Old homes in the U.S. now cost just as much as new properties. Here's why. - CBS News

Today is Veteran's Day — and I can’t let the day pass without sharing my gratitude for the selfless men and women who have served our country. Today and always, thank you! One of the things I love most about being an agent is helping local veterans reach their homeownership goals, often through VA loans.  I thought I'd use today to pass along some information about VA loans should you or someone you know qualify. In our volatile market, a VA loan could be the key that unlocks the door to homeownership! A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs (VA). To qualify, you must be a veteran or service member who meets certain eligibility requirements. Here are some of the benefits of VA loans: • No down payment required • Lower interest rates than conventional loans • More flexible credit requirements • No private mortgage insurance (PMI) required • Funding for closing costs may be available If you're a veteran or service member considering buying a home, look into VA loans. They can be a great way to save money and make homeownership more affordable. If you have any questions about VA loans or other types of mortgages, don't hesitate to send me a message. I'm happy to help you find the right loan for your needs. Source: VA Home Loans Erin Mosher Atlanta Fine Homes Sotheby’s International Realty c. 404.931.5326 o. 404.991.7575 [email protected]

It may be a rainy weekend, but at least it's cool! I hope you and your family have fun plans this weekend! Check out these great weekend events gathered by @atlantafinehomessir 🍂

A few Well Rounded Interiors in the Atlanta area from @atlantafinehomessir! Which is your favorite? 🤩 For me, it has to be 1035 W Wesley Rd... that pool during the hot Georgia summers, #nothingcompares!

Mortgage rates hit their highest point in over two decades this year, but that’s not the end of the story.  Here's why. Even though interest rates are higher than many of us would like, you can still go after your homeownership dreams and save on a mortgage. Here’s what I’m sharing with prospective homeowners this November.  1) Consider an adjustable-rate mortgage (ARM).  An ARM is a great option for a monthly payment that’s lower than the payments available with fixed-rate loans or for buyers convinced rates will drop by the time the introductory period ends.  Keep in mind that a year from now, some experts are predicting 30-year rates will be around 5.25% and 15-year rates around 4.875%. 2) Pay for points to buy down the rate.  If you have extra funds at the time of purchase, you can pay for mortgage points. With mortgage points, you pay a percentage of the loan upfront in exchange for a lower interest rate — and a slightly lower monthly payment.  Just make sure you calculate your break-even point. If rates drop and you can refinance before you hit the break-even point, buying down your rate may not be worth it.   3) Work on your credit score.  If time is on your side before applying for a mortgage, improve your credit by paying bills on time, lowering your credit utilization (using under 30% of your total credit line!), reducing credit card debt, and addressing credit report errors. In the long run, a higher credit score will save you on your mortgage. 4) Shop around.  Always, always, always shop around for your mortgage. Same thing goes for homeowner's insurance. Rates and premiums vary widely, so talking with multiple lenders and carriers will ensure you have the best price on both.  If you're interested in learning more about how to keep your mortgage payment low, I'd love to chat and help you explore your options to find the best solution for your needs. Source: When will mortgage rates go down? - CBS News 6 ways to lower your mortgage costs in today's high rate environment - CBS News Erin Mosher Atlanta Fine Homes Sotheby’s International Realty c. 404.931.5326 o. 404.991.7575 [email protected]

Post-Halloween blues? 🍬 Don't worry there's so much to do! Enjoy your weekend in ATL!