Steps to Buying a Foreclosure

Buying a home in foreclosure can begin with you doing your own Free bank owned listing search at Prudentialgeorgia.com and decide where you want to search for property via Google Maps and through using my already paid for RealtyTrac subscription to search for free! Through a combination of Prudential Georgia, Georgia MLS, FMLS, and RealtyTrac data, this allows you to search by county, city or zip code.

Advanced Property Search features also allow you to enter other search criteria, such as price range and number of bedrooms and bathrooms, but you are not limited there!  Search based upon lake, golf, or tennis communities.  Search based upon the number or types of rooms offered.  The details are endless! 

If you want to receive daily e-mail alerts of new properties posted on Prudentialgeorgia.com that match your search criteria by clicking the link at the top of the screen ?To Log in to My Home Finder or Sign Up for a New Account  click here? or simply do a search and Save it.  You will be prompted to set up your own Free My Home Finder account.

What are you looking for in a home? If you are having trouble finding that perfect house then let me find it for you for FREE. To begin the process, please fill out this form with all your criteria for the home you're looking for. I will do the research and find a home that you will be interested in. I will contact you to arrange a personal tour of the homes I find. Please note, all fields marked with an * are required. Thank you for your interest in working with us. We will contact you shortly!

On the Search Results page, you can sort your results by price or you can also view the results on a map by clicking the "View Map" link at the top of the search results. Click ?View Details? on any property to see detailed information on that property. On the property details page, you can click the ?Add Property to Favorites? link to save the property to the My Home Finder page.

View Details Page

The View Details page will always include the address of the property, photo gallery, virtual tour, area map, Google Street View, and Bing Aerial Views as well as price history.

If you would like to get deeper in your search I also want to offer you your Free Listingbook account where you can obtain a Current Market Analysis based on comparable sales.

Get Financing

Obtaining a Pre-Approval not only gives you an idea of the size of home you can afford to purchase, it also enables you to make an offer once you locate a home that interests you. Banks require a Pre-Approval letter from a lender to be submitted along with offers!  When you approach a lender about a home in their inventory, already having financing in place will show that you are a serious buyer, are able to close on the transaction, and are ready to buy quickly.

You can apply for financing with one of my trusted financial resources or use one of your own. The online application is free.  Go to www.RussTannerLoans.com and can click on the Pre-Qualify Now button on the left hand side of the page. You will be able to apply online or by phone to Russ directly at 706-621-1704.  Russ Tanner has experience in working with my Bank Owned or REO Buyers in getting foreclosures financed and getting a closing package done fast!

Contact an REO Buyer?s Agent

If you're a first-time homebuyer and you've never purchased a home, let alone a foreclosure, let me guide you through the process of buying a foreclosure. Know that as an REO Buyer?s Specialist I represent you, not the seller or lender.  I also get paid through a split of the commission paid by the Seller to the Listing Broker.  This means you get full representation and ?they pay me for my time!?

85% of my Buyer?s Representation Services are done for Buyers of foreclosures.   

Regarding the purchase of  a First Time Home Purchase;

"As first time homebuyers we were a little uncertain of all home buying entailed. Our initial thoughts were to go it alone..."realtor-less"as it were. However, we had noticed Hank through our web searches and were instantly drawn to his website which was informative, easy to use and personable. When we met Hank in person all thoughts of going it alone changed. He was simply wonderful. He was very professional during the entire process and was available via phone and e-mail during all hours of the day (including weekends!).

Whenever we had a question Hank provided a quick and comprehensive reply. He went above and beyond to make sure all our needs were met. He also interacts with a great network of people who made our home buying experience pleasant and easy. More over Hank became a friend we still keep in contact with. I cannot recommend him enough."

Robert Sabatini, P.h.D

Athens, GA

Now You are Ready; Make an Offer

To get an estimate of the potential value for any property you are considering you need to find out the estimated market value of the property.  This can be accomplished in two different ways.  Either ask me for a free CMA (Current Market Analysis) on the property?s value by emailing me from the My Home Finder account you established to keep track of your favorite saved listings, contact me at my website, or do your own CMA at Listingbook. Again, Listingbook is a Free service but you have to register with Listingbook to get yours! 

Based on your research of the potential value of a given property you can make an offer when ready through a standard Purchase and Sales Agreement using the accepted format or contract form of the Georgia Association of Realtors.  This is where my experience factors in as an REO Buyer?s Specialist!  What does ?As-Is? mean?  To me it doesn?t mean that much.  I have found that you ?don?t get what you don?t ask for in life and in buying REOs!?  I have seen banks give anything from fixes on an ?As-Is? property to upwards of $5,000 in additional credit at closing due to inspection concerns.  I have seen banks throw in home warranties, title insurance, and install radon devices.  All you have to do is ask, but you need an experienced Realtor asking for you!

To start enjoying RealtyTrac data via my prudentialgeorgia.com account for Free please Search Foreclosures and let me know what information I might provide to you on every pre-foreclosure, auction, and bank owned (REO) inventory in Northeast Georgia including Jefferson, Hoschton, Braselton, Athens, Watkinsville, Bogart, Bishop, Winder, Statham, Gainesville, Flowery Branch, Dacula, Buford, Snellville, and Lawrenceville, GA! Let me be your resource for information from property taxes to finding out the square footage of a home of interest to everything in between!