In your journey to purchase a home, you may have heard the terms FHA and HUD. Confused as to what they mean? In 1965 the US Government formed the Department of Housing and Urban Development (HUD), within HUD operates the Federal Housing Administration (FHA), which has the primary responsibility for administering...

Budgeting is the single most important step to buying and keeping a home. Many Americans are at a financial edge that will drive them into foreclosure if a slight imbalance occurs. An overwhelming 43% of American households spend more than they earn each year, some 52% of employees live paycheck to paycheck...

So you have chosen you dream home, turned in all your paperwork to the loan officer, and your closing date is set.  You are nervous and excited because this is the last step before you get the keys to your new home. You have understood all the processes that have taken you to this point, but now you...

Thank you again for your trust in me during your real estate transaction.  As you may already be aware, Georgia allows homeowners to claim a Homestead Exemption as a tax benefit that can amount to considerable annual savings. To qualify for the exemption, the homeowner must occupy the residence and...

Our parents teach us many things, how to tie our shoe laces, how to ride bikes etc. but one very important thing they sometimes do not teach us is about having and maintaining good credit. In some homes, good financial responsibilities maybe taboo subjects or just not spoken about. According to the Mortgage...