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One thing you’re going to need if you’re trying to get a house is a mortgage. And to get a mortgage, you need to be pre-approved.
At this point, you should have saved up all the money you can for a down payment.
If you’re already pre-approved for a home loan, it signals to the loan officer, real estate agent and seller that you’re ready to purchase — and not playing around.
What Is The Best Way To Get Pre-Approved For A Mortgage?
The best way to get pre-approved for a mortgage is to have all your paperwork in order, but it includes more than that.
Your credit score is of paramount importance to a mortgage lender, but more on that later.
Follow These 3 Steps To Get Approved For A Mortgage
This article will go over the steps you need to get pre-approved so that you can get a mortgage.
First, let’s go over what a mortgage pre-approval is and how it works for you.
A mortgage pre-approval is a preliminary step to buying a home. It involves an initial offer from a lender to loan you a certain amount of money so that you can buy a home.
What Is A Mortgage Pre-Approval And How Does It Work?
The amount of money that the lender pre-approves is based on their evaluation of your three things:
- Your Creditworthiness
- Your Finances
- Your Job Outlook
A mortgage pre-approval will require that you hand over a lot of your personal information, including your Social Security number for a credit check and more.
1. Get Your Free Credit Report
The first step you need to do is get a free copy of your credit report. You can do that by going to AnnualCreditReport.com.
AnnualCreditReport.com is a government-backed website that shows you your credit reports from the Big 3 credit Bureaus: Equifax, Experian and TransUnion.
2. Shop Around for a Lender
Different lenders offer different mortgage products and may have different criteria for pre-approval. It’s a good idea to shop around and compare offers from multiple lenders to find the best terms for your situation
3. Get Your Credit Scores
You’ll also want to find out what your credit scores are from the Big 3 credit bureaus. If your credit scores are low with a particular credit-reporting agency or with all of them, you should try to improve them.
Here’s how to improve your credit score easily.
What Credit Score Is Needed For A Home Loan In Georgia?
In Georgia, as well as elsewhere, you’re going to need a credit score on the high end to qualify for a home loan.
According to Credit Karma, which uses the Average VantageScore 3.0 model, the national qualifying average credit score is 717. In Georgia, you’ll need a score around 700 to purchase a home.
f your credit score is lower than you’d like, take steps to improve it before applying for a mortgage. This can include paying down existing debts, making all your payments on time, and avoiding opening new lines of credit.
4. Have Your Financial Paperwork In Order
Before you get pre-approved, you’ll need some documents for verification purposes. These include:
- Social Security number
- W-2 or 1099 tax form
- Paycheck Stub
If you plan to have someone on the loan with you — perhaps a spouse or significant other — they will have to submit some personal information as well.
To apply for a mortgage pre-approval, you’ll need to provide various documents, including proof of income (such as pay stubs or tax returns), proof of assets (such as bank statements), and information about your debts (such as credit card balances and loan payments).
5. Get Pre-Approved!
Once you gather all of that financial information, you can submit it for mortgage pre-approval to your lender of choice.
Here’s a pro tip you might want to consider: Always try to get pre-approved with more than one lender. This increases your chances of getting pre-qualified exponentially.
Once you’ve chosen a lender, you can apply for pre-approval either online, over the phone, or in person. The lender will review your financial information and credit history to determine how much they’re willing to lend you and at what interest rate.
If you meet the lender’s criteria, you’ll receive a pre-approval letter stating the maximum amount you can borrow and the terms of the loan. This letter can be used to show sellers that you’re a serious buyer when making an offer on a home.
Once you’re approved, you can start to search for your dream home in Atlanta or any city you want to live in.
Conclusion
Your mortgage pre-approval is just that, a pre-approval. That means it still might not go through due to financial issues that come up.
Let’s say you lose your job during the pre-approval process. Then it’s a good chance, the lender will back out and your mortgage won’t be approved.
That’s why it’s a good idea to dispute any issues on your credit report or any other issues that come up. Here’s how to dispute your credit report.
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If you’re a black woman, people have all kinds of opinions on whether you should wear a blonde wig or bleach your hair. The reasons are varied, but all of them in some way or form are rooted in weird colorist viewpoints.
Regardless of your complexion, what others think shouldn’t stop you from wearing blonde hair, if that’s what you want to do.
Black Women With Blonde Hair
British vlogger Breeny Lee says, “When you see a black woman with blonde hair, she is not trying to be a white woman. She is just trying to be creative.”
Breeny further illustrates the point, saying that the point of blonde hair is not to look natural, but stylish. “If I wanted natural hair, I would go black … but sometimes I want to hair green hair, or brown hair or whatever.”
Of course, there are opposing views. Youtuber Jazmyne Drakeford did a sarcastic video about black women trying to be white by having blonde hair. Many of the commenters didn’t get the joke.
Are you wondering how you would look as a platinum blonde? Here are some black women who rock blonde hair in various hues.
Curls
How To Care for Curly Hair
Curly hair tends to be dry, so you don’t need to shampoo it every day. Co-washing, or cleansing with conditioner, can be a great option.
If you do shampoo, choose a sulfate-free formula that won’t strip away your hair’s natural oils.
Apply shampoo to your scalp and massage it in gently. Avoid lathering up the ends of your hair, as this can cause frizz.
Light Ends
View this post on InstagramHow To Manage Liht Ends
Managing hair with light ends, whether naturally occurring or from bleaching, requires a special touch to maintain their vibrancy and prevent damage. Here are some key tips to keep your light ends looking their best.
Light ends tend to be drier and more prone to breakage than darker hair. Deeply nourishing them is crucial. Use a shampoo and conditioner specifically formulated for blonde or color-treated hair. Look for ingredients like coconut oil, argan oil, and shea butter, which are known for their moisturizing properties.
Straight Like That
View this post on InstagramStraight hair can be sleek and stunning, but it also requires special care to maintain its shine and keep it from becoming limp or greasy. Here are some tips to keep your straight locks looking their best:
Straight hair tends to get oily faster than other hair types, so washing it every other day might be necessary. However, over-washing can strip away natural oils, making your hair dry and brittle. Listen to your hair and wash it as often as needed to feel clean and comfortable.
Short Pixie
View this post on InstagramWashing a pixie cut might seem different compared to longer hairstyles, but it’s actually a breeze! Here’s how to keep your short locks clean and healthy:
ather your supplies:
- Gentle shampoo and conditioner, ideally formulated for short hair or fine hair.
- Scalp massaging brush (optional, but good for stimulating circulation and removing product buildup).
- Wide-tooth comb.
- Soft towel.
Farrah Style
View this post on InstagramLong Hair, Don’t Care
View this post on InstagramTaking care of long hair can be incredibly rewarding, leading to healthy, luxurious locks that turn heads. Here are some key tips to keep your long hair strong and beautiful:
Gentle Cleansing:
- Frequency: Long hair doesn’t need daily washing as it naturally produces less oil than shorter styles. Aim for 2-3 washes per week or adjust based on your scalp’s needs.
- Shampoo: Choose a gentle shampoo free of sulfates and harsh chemicals, especially formulated for long or dry hair. Focus on massaging your scalp and avoid lathering the ends, which can strip moisture.
- Conditioner: This is your best friend! Apply a nourishing conditioner to the mid-lengths and ends, leaving it in for a few minutes before rinsing to replenish moisture and detangle.
Goldilocks
View this post on InstagramBudget and quality:
- How much are you willing to spend on a wig?
- Do you want a synthetic or human hair wig? Human hair wigs are generally more expensive but look and feel more natural.
- Where would you buy the wig? Reputable beauty stores and online retailers offer a wider selection and better quality compared to costume shops.
Au Naturale
View this post on InstagramTaking care of natural hair can be an exciting yet sometimes challenging journey. Each curl pattern and hair type has its own unique needs, but these general tips will help you keep your natural hair healthy, hydrated, and thriving:
Moisture is Key:
- Water is your best friend: Natural hair loves water! Spritz your hair throughout the day with a spray bottle or use the LOC (Liquid, Oil, Cream) method to lock in moisture.
- Deep condition regularly: Treat your hair to a deep conditioning treatment once a week or every other week. Look for products with ingredients like shea butter, coconut oil, and avocado oil.
- Leave-in conditioners and oils: These are your daily essentials! Apply a leave-in conditioner or hair oil to damp hair to seal the cuticle and prevent frizz. Focus on the ends,
Platinum Blonde
View this post on InstagramDyeing your hair platinum blonde can be a dramatic and transformative change, offering a range of potential benefits beyond just a fresh look. Here are some of the positive aspects to consider:
1. Bold and Edgy Style:
Platinum blonde is a head-turning shade that instantly makes a statement. It can add an air of boldness, confidence, and edge to your personal style.
Platinum blonde acts as a blank canvas for various hairstyles and colors. You can experiment with vibrant temporary hair chalks, pastel streaks, or even dip-dye the ends for a fun and personalized look.
Shiny And Silky
View this post on Instagramilky smooth hair is a hair goal we all share, and achieving it requires focusing on both internal and external factors. Here are some tips to make your hair silky:
Internal Care:
- Hydration: Drink plenty of water throughout the day to keep your body and hair hydrated from within.
- Diet: Eat a healthy diet rich in vitamins and minerals, especially those beneficial for hair health like biotin, vitamin E, and iron. Omega-3 fatty acids found in fish and flaxseeds also contribute to hair health.
- Stress management: Chronic stress can negatively impact hair health. Practice stress-reduction techniques like yoga or meditation to keep your hair happy.
External Care:
- Gentle Cleansing: Avoid harsh shampoos with sulfates, which can strip your hair of natural oils. Opt for gentle, sulfate-free shampoos formulated for dry or damaged hair.
- Conditioning: Don’t skip the conditioner! Apply a nourishing conditioner to the mid-lengths and ends of your hair after shampooing. Leave it in for a few minutes to allow it to penetrate the hair shaft.
- Deep Conditioning: Treat your hair to a deep conditioning treatment once a week or every other week. Look for masks rich in natural oils and proteins to replenish moisture and combat dryness.
How To Bleach Your Hair Blonde
If you want to bleach your hair blonde, you’re going to need some hair dye. Here are some simple steps you can follow.
The first thing you need to make sure of is that you have the supplies you need. Here is the equipment you’ll use to bleach your hair at home.
A lot of people want to know if you really need purple shampoo. The answer is yes, because it severely dims the brassy look that many people have once they dye their hair. It helps neutralize that brassy yellow look and allows the follicles to exude a golden look.
Once you put on your gloves, you can open the dye and dip the hair brush into the treatment.
With slow broad strokes, brush your hair with the dye while you’re looking at a mirror. The goal is to cover your scalp in dye so that you have a complete treatment.
Once your hair has been completed covered in dye, let it set for about 20-30 minutes depending on the desired effect.
Last Words
If you want to try different hues, you may want to do a second dye the next day to achieve a certain color. You may also choose to put some conditioner in your hair at this point to experiment with styling.
The truth is that bleaching your hair blonde can bring out your skin tone, especially under various types of lighting.
If blonde hair is not really your style, there are some other colors you may look great in.
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The Atlanta Falcons finished the season with 10 losses yet again, including stinking up the final game 48-17 to the hapless New Orleans Saints. As a result, head coach Arthur Blank was fired.
The Falcons had an up and down season, but they if they develop (of as some say change) the quarterback position, they have a lot of room to grow.
Falcons Finish Season 7-10
Smith took on the role of head coach for the Atlanta Falcons on January 15, 2021, leading the team for three seasons. Throughout his tenure, the Falcons maintained a consistent 7-10 record each season. His time in Atlanta concludes with an overall record of 21-30.
Despite the early struggles, the Falcons still had a good chance in the NFC South with one week left, but they needed some help.
How did the Falcons do over the course of the season? Let’s take a look.
Here Is The 2023 Atlanta Falcons Schedule
Date Opponent Time and Location Scores / Tickets Sept. 10, 2023 Carolina Panthers 1 p..m. at Mercedes Benz Stadium, Atlanta 24-10 – W Sept. 17, 2023 Green Bay Packers 1 p..m. at Mercedes Benz Stadium, Atlanta 25-24 W Sept. 24, 2023 Detroit Lions 1 p.m. at Ford Field, Detroit 6-20 L Oct. 1, 2023 Jacksonville Jaguars 1 p..m. at Wembly Stadium, London 7-23 L Oct. 8, 2023 Houston Texans 1 p..m. at Mercedes Benz Stadium, Atlanta 21-19 W Oct. 15, 2023 Washington Commanders 1 p..m. at Mercedes Benz Stadium, Atlanta 24-16 L Sunday, Oct. 22, 2023 Tampa Bay Bucs Raymond James Stadium, 1 p.m. 16-13 W Sunday, Oct. 29, 2023 Tennessee Titans Nissan Stadium, Nashville 28-23 L Sunday, Nov. 5, 2023 Minnesota Vikings 1 p..m. at Mercedes Benz Stadium, Atlanta 31-28 L Sunday, Nov. 12, 2023 Arizona Cardinals 4 p.m. State Farm Stadium at Glendale, AZ 25-23 L Sunday, Nov. 19, 2023 BYE WEEK Sunday, Nov. 26, 2023 New Orleans Saints 1 p..m. at Mercedes Benz Stadium, Atlanta 24-15 W Sunday, Dec. 3, 2023 New York Jets 1 p.m. at MetLife Stadium, New Jersey 13-8 W Sunday, Dec. 10, 2023 Tampa Bay Bucs 1 p..m. at Mercedes Benz Stadium, Atlanta 29-25 L Sunday, Dec. 17, 2023 Carolina Panthers Bank of America Stadium in Charlotte, NC 9-7 L Sunday, Dec. 24, 2023 Indianapolis Colts 1 p..m. at Mercedes Benz Stadium, Atlanta 29-10 W Sunday, Dec. 31, 2023 Chicago Bears 1 p.m. at Soldier Field, Chicago 37-17 L Sunday, Jan. 7, 2024 New Orleans Saints 1 p.m. at Caesars Super Dome, New Orleans Football fans are excited about the Falcons and the moves they’ve made behind quarterback Desmond Ridder. HOw many games will the Falcons win? That remains to be seen. Some people are saying at least 11 games. I think 10 is reasonable given their strength of schedule at home.
They will have to go through the Detroit Lions at Ford Field, Chicago and the always-tough New Orleans Saints in the season finale.
Are The Atlanta Falcons On Thursday Night Football?
The Falcons are one of four teams without any primetime games. The other teams are Arizona, Houston and Indianapolis.
Here are teams with primetime games:
- Buffalo, Dallas, Los Angeles Chargers, Kansas City (6 games)
- Green Bay, New York Giants, Minnesota, Las Vegas, Philadelphia (5 games)
- Baltimore, Cincinnati, Chicago, Denver, Detroit, New England, Pittsburgh (4 games)
- Miami, New Orleans, Jacksonville, Seattle (4 games)
- Carolina, Cleveland, Los Angeles Rams, Tennessee, Tampa Bay (2 games)
- Washington (1 game)
Week 1: Falcons 24, Panthers 10
With the Atlanta Falcons victory over the Carolina Panthers on Sunday, Sept. 10, 2023, the Dirty Birds are over .500 for first time since finishing 10-6 in 2017. That was the league’s longest active drought of not being over .500.
Atlanta started their 2023 season off with a thrilling 24-10 win against the Carolina Panthers at Mercedes Benz Stadium. The game was the NFL debut of rookie Bryce Young, the starting quarterback of the Panthers.
The Falcons broke open a tight game behind three turnovers, including two interceptions by Atlanta safety Emoni Bates.
The Falcons also snapped a five-game losing streak in season openers (was longest active streak and longest streak in franchise history).
Week 2: Falcons 25, Packers 24
A close game came down to a field goal as Atlanta had to come from behind to beat the Green Bay Packers and Jordan Love.
The Atlanta Falcons defended home field on Sunday, Sept. 17, 2023, with a thrilling 25-24 victory over the Green Bay Packers.
Week 3: Falcons 6, Lions 20
The Falcons lost to the Detroit Lions 20-6 on Sunday, Sept. 24, 2023. The Falcons offense could get nothing going as quarterback Desmond Ridder was sacked seven times.
Week 4: Jaguars 24, Falcons 6
The Atlanta Falcons lost 24-6 to the Jacksonville Jaguars in the NFL’s international game on Sunday, Oct. 1, 2023.
The Falcons defense and offense looked listless against the Jaguars.
Week 5: Falcons 21, Texans 19
In a battle of young quarterbacks, Desmond Ridder outdueled CJ Stroud in the Falcons’ 21-19 victory against the Houston Texans on Sunday, Oct. 8, 2023.
Ridder turned in the best performance in his career, throwing for over 300 yards and limiting his mistakes.
Week 6: Washington Commanders 24, Falcons 16
The Atlanta Falcons lost 24-16 against the Washington Commanders on Sunday, Oct. 15, 2023 in another mistake-filled game by quarterback Desmond Ridder.
Week 7: Falcons 16, Tampa Bay 13
The Falcons won 16-13 against the Tampa Bay Buccaneers on Sunday, Oct. 22, 2023 in another mistake-prone game by quarterback Desmond Ridder.
Despite Ridder’s struggles, he had some key plays with his arm and legs against Tampa.
Week 8: Falcons 23, Titans 28
The Falcons had a chance to win the game against the Tennessee Titans late, even after losing starting quarterback Desmond Ridder to a concussion, but they just couldn’t get it done.
Week 9: Falcons 28, Vikings 31
The Atlanta Falcons had to start backup quarterback Taylor Heinicke due to Desmond Ridder still being in concussion protocol. During the game, Atlanta underestimated quarterback Josh Dobbs, who used his legs to scramble for first downs and throw darts at the last minute. The Vikings escaped with a three-point win while the Falcons lost again.
Week 10: Falcons 23, Arizona 25
The Falcons decided to go with Taylor Heinicke again at quarterback for the second week in a row. The Arizona Cardinals did just enough to win against the Atlanta Falcons, 25-23 as Tyler Murray threw for 249 yards and a touchdown.
Week 11: BYE Week
Week 12: Falcons 24, Saints 15
The New Orleans Saints came to Atlanta looking to cement their lead in the division. Instead, they left as losers after Ridder and Bijan Robinson ran all over them for a 24-15 victory.
Week 13: Falcons 7, Panthers 9
The hapless Carolina Panthers couldn’t find the end zone against the Falcons, who were atop the NFC South. But on Sunday, Dec. 17, 2023, Carolina didn’t need a touchdown to beat the Falcons 9-7 in Charlotte.
The Falcons were up 7-6 and driving with about 7 minutes in the game when Desmond Ridder threw an ill-advised dart into traffic at the Carolina 10-yard line. The pass was picked off.
The Panthers then drove down the field, using up the rest of the game clock, to win the game with an easy field goal in the closing seconds.
Week 17: Falcons 17, Bears 37
Taylor Heinicke threw for 163 yards, one touchdown and three interceptions as the Falcons lost 37-17 to the Chicago Bears on Sunday, Dec. 31, 2023.
Week 18: Saints 48, Falcons 17
The Falcons scored first after their defense limited the Saints to a short opening drive of four plays and 10 yards. Quarterback Desmond Ridder then orchestrated a seven-play, 79-yard drive culminating in a 15-yard touchdown pass to tight end Jonnu Smith. Wide receiver Scotty Miller contributed a 56-yard catch that covered most of the distance.
However, the lead was short-lived as the Saints responded with an 18-yard touchdown pass from quarterback Derek Carr to wide receiver A.T. Perry, tying the game with approximately five minutes left in the quarter.
Final Word
No matter how many wins or losses, one thing we know for sure is that the Falcons will make things interesting.
When it comes to sports and exercise, you should always make time. That’s why AtlantaFi.com wants to help you with your journey. Check out how to make a home gym for cheap and even lose pounds in a hurry. -
One ways to keep track of your finances is to save money on regular expenses. If you could lower your car payments, it can make a big difference.
This article will show you several ways to get cheap auto insurance. We’ve done the research for you so all you have to do is get ready to save money.
How You Can Lower Your Auto Insurance Payments
Car insurance companies penalize drivers under age 25 because they rely on statistics and reports that say that motorists younger than that age are responsible for the most accidents, but the truth is that they feel those drivers are more likely to be helped by their parents. That means the insurers feel confident that the high rates can be absorbed by dual income people who feel obligated to help their son or daughter with insurance costs. Wouldn’t it be great if you could just lower your insurance payments altogether? Here are some ways to do just that.
Bundle Your Auto And Home Insurance
The quickest way to drop your rate is to bundle your auto and home insurance. If you don’t have a home and live in an apartment, see if you can bundle your renter’s insurance. Insurance companies have an incentive to lower your rate if you give them more of your business.
Maintain Good Credit
One of the ways car insurance companies determine your rate is by looking at your credit score. A poor score, typically anything below 600, will have you paying more for auto insurance.
Today you can boost your credit score by paying bills and more.
Do all you can to raise your credit score. Here are some ways to do that.
Ask For Discounts
When you contact an auto insurance company, make sure you ask for discounts. If you’re a member of any organization or even your employer may qualify you for a discount on your insurance.
Get Several Insurance Quotes
Never settle for just one insurance quote when you’re shopping for a rate. Always contact several insurance companies and write down their quotes. Once you feel you’ve gotten enough insurance quotes, take a look at your list and compare prices. This way, you’re sure to choose the lowest insurance rate.
Some insurers offer discounts for things like being a member of certain organizations or having certain safety features on your car.
Boost Your Credit Score
Another way to lower your insurance is to improve your credit score.
In some states, your credit score can affect your insurance rates. Work on improving your credit to potentially lower your premiums.
Consider Usage-Based Insurance
Some insurers offer programs where your rates are based on your actual driving habits. If you’re a safe driver, this could save you money.
Last Words
In a large metropolitan city like Atlanta or a small one like Mayberry, you need car insurance. But why does it have to be so expensive? Getting a lower insurance rate is super important today because prices continue to creep upward. Remember to comparison shop so that you can make sure you’re getting the best rate.
If saving money is something you’re serious about, AtlantaFi.com has a lot of resources to help you.Read more: -
If you’ve studied the local real estate market, you know that buying a home takes a lot of preparation, fortune and money!
Some of the things you’ll want to consider will be lifestyle issues: What are the schools like in the area? How close is it from the job? All those are important questions, but one of the main ones is how much money to save for the down payment.
This article will show you some easy steps on how to save money for a home.
How To Save For A House This Year: 5 Steps That Work
Homeownership is an achievement that comes with the American Dream. The problem is that relatively few people ever realize it. But you certainly can. Here are the steps:
1. Set A Realistic Goal
The first thing you need to do is set a realistic goal for the type of home you want to afford. If you think a $900,000 mansion is within your means, then go for it. But for many people, that’s not realistic.
Do some homework on the specific neighborhoods you want to live in. Some are better than others.
You’ll only get the home that you can afford to pay for it. As for the dream homes, please stick to the rivers and the lakes that you’re used to.
2. Create A Budget
Once you’ve set a goal, it’s time to create a budget that will allow you to save up for your down payment. The way to do that is to reduce expenses.
You’ll have to look at your monthly expenses and see if you can cut things like subscriptions and gym memberships.
As you know, you’ll traditionally need 20% down payment to buy a home, but this is not always the case. Many lenders an take down payments much lower than that.
3. Get A Government Loan
The way to afford the home you want is to get a government lender to give you the money. No offense, Bank of America or Regions, but government loans are usually way more generous.
There are some great lenders that let borrowers put down way less than 20%. Here are a few:
- FHA loans
- VA loans
- USDA loans, (no down payment required)
Read our guide on how to find lost government money.
4. Get A Side Hustle
Another great way to save up for a home is to get a side job. Don’t think that you need to kill yourself to earn some extra income. All you need is something to add to the pot you already have.
Don’t know where to start? Read how you can turn hobbies into side hustles fast.
5. Save Your Big Money
Chances are you’re going to get big money at least three times in a calendar year. Save it for your down payment.
No matter if it’s your holiday bonus, tax refund or even a stimulus payment, you will have an opportunity to save big money. All you have to do is put it away.
How Much Money Should I Save A Month To Buy A House?
Because you’ll need to save money incrementally, it’s good to put together a plan to set cash aside each month. How much should you save? It depends.
If you want to buy a home that costs $250,000, you’ll need to save $250 a month for four years until you come up with 20% down payment. That’s around $50,000.
Here’s how to find out much rent you can afford in Atlanta.
How Much Money Do I Have To Make To Save For A House?
A lot of people don’t think they can save money for a house because they aren’t making big money. You may be wondering what kind of salary you need to pull to save up for a home.
The truth is that it depends on what the prices are in your local real estate market.
If you the homes in your area cost $200,000, then you’ll need to save $60,000 for a 30% down payment. If you save $20,000 a year, you can accumulate $60,000 in three short years.
I know it sounds easier than it is to do, but here are some creative ways you can save money.
Last Words
If you’re considering buying a home, there are many things to think about, including getting a home inspection if it’s not a new build.
If you’re serious about saving for a home, there’s nothing that says you have to only save 20% for your down payment. Why not aim for 30%?
The more you save, the cheaper your home will be over the length of the mortgage. If you can save money on the front end, once you get inside your new home, you’ll sleep much better.
Read more: How To Buy Land In 6 Easy Steps
Once you’ve saved a certain amount of money, it’s time to start looking at cheap homes for sale.
Interested in other ways to save or make money? Check out our Money Section:
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Buying a house in 2024 is a bit more challenging than in recent years, but according to real estate experts, the market is set to improve.
In this article, we’ll go over how to buy a house in Atlanta.
How Much Do You Need To Make To Buy A House In Atlanta?
According to recent data, the median home price in Atlanta is around $350,000. However, home prices can vary widely depending on the neighborhood and type of property you’re interested. If you’re a novice homeowner (or not), it’s best to do your homework on the front end.
Read our guide on how much home to afford.
Atlanta’s real estate market features the best of the Southeast, which means you’ll likely get plenty of land, but the prices continue to encroach upon what you’d find in the Northeast.
Thinking about buying a home this year? Here are a few factors you might want to consider:
Get Your Money Right
There’s nothing like falling in love with a home you know you can’t afford. Places like Buckhead, Dunwoody, Fayetteville and Locus Grove have big homes but so are the mortgages.
Before you start looking for a house, it’s important to understand your financial situation. This includes knowing your credit score, saving for a down payment, and getting pre-approved for a mortgage.
Read our guide on how to get pre-approved for a mortgage.
Understand the Atlanta Market
The Atlanta real estate market is a volatile one in that it can trend in different directions throughout the year. It’s your job to stay on top of the changes.
Real estate markets can vary widely depending on location and economic conditions. Research the housing market in the area where you want to buy to understand pricing trends, inventory levels, and competition.
Make a Wish List
It’s important to get what you want out of your home. Some people need privacy; others need entertainment space.
Make a list of what you’re looking for in a home, including must-haves and nice-to-haves. This will help you narrow down your search and focus on properties that meet your criteria.
Hire a Real Estate Agent
A good real estate agent can be invaluable in helping you find the right home, negotiate a fair price, and navigate the buying process.
The best real estate companies take their time with you and provide excellent customer service all while making you feel heard and seen.
Get a Home Inspection
Once you’ve found a home you like, it’s important to have it inspected by a professional. This can uncover any potential issues with the property that could affect its value or your decision to buy.
A home inspection can provide peace of mind knowing that you’re making an informed decision about the condition of the property.
Overall, a home inspection is an important part of the home buying process that can help you make a more informed decision and avoid potential issues down the road.
Make an Offer
When you’re ready to make an offer on a home, your real estate agent can help you determine a fair price based on comparable sales in the area and other factors. They can also guide you through the negotiation process.
Secure Financing
Once your offer has been accepted, you’ll need to finalize your mortgage. This involves providing documentation to your lender, getting an appraisal, and completing the underwriting process.
Close on the House
The final step in buying a house is the closing process, where all the necessary paperwork is signed, and the ownership of the property is transferred to you. This usually involves paying closing costs and fees, so be prepared for these expenses.
Final Thought
Buying a home is a wonderful experience when you think about the dream of homeownership and its many benefits.
The process of buying a house can vary depending on your individual circumstances, so it’s important to do your research and work with professionals who can help guide you through the process.
Atlanta has one of the best real estate markets in the country, with affordable housing in every quadrant of the city. Large backyards, manicured parcels and strong neighborhoods with ample dining amenities make it one of the top places for transplants.
Not to mention that the city’s dining scene is the best in the Southeast. Looking for a home? Check out our Real Estate Resource Page.
Keep up with what’s going on in Atlanta’s real estate scene here with our Apartment Guide.
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Looking back atit, the performance was relatively short, but boy, was it powerful. Remember when comedian and actor Katt Williams was having a rough time in 2018? That’s when Donald Glover tapped him to star in an episode of the hit show Atlanta FX. It’s called “Alligator Man.”
The two talked about Williams winning an Emmy for the role, but who knows if they both had it planned all along: Williams went on to win an Emmy for his portrayal of “Alligator Man,” which was the name of the episode at the sttart of Season 3 of Atlanta.
Watch Kat Williams as ‘Alligator Man’ in Atlanta FX
Here’s the award-winning scenes for Williams.
AtlantaFX was also nominated for a Gold Derby TV Award for the “Teddy Perkins” episode. The awards are given out based on the votes of thousands of Gold Derby users.
With more than 700 movie and TV projects just in the last few years, the film industry has generated more than $9 billion for the state of Georgia.There are so many movies filmed in Atlanta these days that it’s hard to keep up with it all. That’s why I suggest you subscribe to AtlantaFi.com to get all the freshest movie casting calls, celeb sightings and Atlanta happenings delivered to your inbox.Want to work in Georgia film & TV? Here are the latest Atlanta casting calls
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The Atlanta real estate market in 2024 is shaping up to be more difficult than previous years as home affordability continues to be a theme. As interest rates climb, the real estate industry as a whole has responded by contracting.
That means it’s getting more difficult to buy land in Georgia as property values rise across Georgia of late, but experts are expecting things to cool off at some point.
According to Realtor.com, existing home sales will rise, but not as much as in recent years past. Here’s the forecast:
Metro Atlanta Real Estate Outlook: 2024
Two years ago, Atlanta had perhaps the hottest real estate market, and it’s still the leading housing market to watch, although the reasons why are not as plentiful as they have been in years past.
Will 2024 Be a Better Time To Buy a Home?
The year 2024 will be one in which homeowners face increased prices for homes. Average home values in the metro Atlanta area will mimic much of the nation, which is forecast to see as much as 6% hikes.
Not every location will have home values that increase though. Depending on the neighborhood, town, village and subdivision, some homes see drops in price.
Still, some ominous signs are starting to appear in the U.S. housing market based on national trends, according to Realtor.com.
- Homes actively for sale have fallen 2% compared to last year.
- Unsold homes have fallen 3.7% compared to last year.
- The median price of homes for sale in October 2023 remained stable compared to the same time last year.
- Homes spent 50 days on the market – one day shorter than last year and more than two weeks shorter than before the COVID-19 pandemic.
Is Atlanta’s Housing Market Overpriced?
Atlanta’s housing market has been one of the most overpriced in the Southeast. According to a study from Florida Atlantic University, metro Atlanta was the second most–overpriced housing market in 2023, only behind Coral Springs, Florida.
If you live in Atlanta, you’ll be feeling some pain in your wallet, and you might be paying more than you should be. According to data from Florida Atlantic University, Atlanta has the most overpriced housing market in the United States.May 9, 2023
Is 2024 a Good Time To Buy a Home In Georgia?
In September 2023, homes in Georgia sold for 98.3% of their listed price. This means that sellers are willing to negotiate and offer discounts. The GDP of Georgia grew by 5.8% in 2022. This shows that real estate property investment is a beneficial option for potential home-buyers.
Will Prices Go Up Or Down In 2024 In Atlanta?
Prices in Atlanta, Georgia are expected to grow on average of 6% based on Zillow data. That represents a 1% increase compared to the 4% annual growth experienced before the COVID-19 pandemic.
There will be a glut of inventory of homes for sale in the metro area, and they will likely take longer to get offers and sales. How to afford a home will also be more of a challenge this year as economic factors loom, expert data says.
As home shoppers are expected to pre-qualify for a mortgage, there will be more homes for sale, homes will likely take longer to sell, and buyers will not face the extreme competition that was commonplace over the past few year.
If you have a home for rent inside the Perimeter, finding a tenant shouldn’t be a problem as favorable rents will drive strong demand from the north side of the city to the southern end.
Will House Prices Be Cheaper This Year?
With so many people moving to Atlanta annually, rather than become cheaper, leading real estate market experts expect home prices to increase slower than they have over the past two years.
Atlanta, one of the fast-growing cities when it comes to home sales, is not unlike other large Southern cities in that it is expected to continue to be a red-hot market. That means a dip in housing prices is unlikely.
One of the main factors that will influence home prices is the economic landscape of the United States. Namely, the incremental movements by the Federal Reserve to get inflation in check.
While interest rates are ticking upward, the chance that a full-blown recession takes hold in 2023 can’t be entirely discounted. But what such a move will no doubt do is slow down the mortgage industry.
Rising mortgage rates are expected to continue to shed competition among people looking to buy a home. While a buyers market is a possibility in some areas, for metro Atlanta, it is anticipated that real estate prices will hold up just enough that such a market won’t firmly take hold.
Home shoppers priced out of the market will likely create pressures on the rent market, boosting prices once again.
Home Prices On Atlanta’s Southside: Up
One of the most dramatic increases in home prices is happening on Atlanta’s southside, below Interstate 20. Take for instance the Sylvan Hills neighborhood.
Sylvan Hills
The average home prices in Sylvan Hills is $232,000, according to RedFin.
The area is only four miles from downtown Atlanta and is a historically economically depressed area, but not anymore. Gentrification is happening there and in similar areas on a large scale.
Like Capitol View just north, Sylvan Hills homes sell for about 4% below list price and pending sales last around 62 days.
Adair Park
Adair Park over the past five years has had some of the hottest real estate parcels in Atlanta.
Bordered by the West End on one side and the Pittsburgh community on the other, Adair Park has benefited from its close proximity to downtown Atlanta as well as Hartsfield-Jackson Airport.
The average home price in Adair Park is around $240,000, according to RedFin. Homes there sell for about 4% below list price and sales are pending around 41 days.
Atlanta Beltline
But we can’t talk about Atlanta housing trends and real estate outlook with the “B” word: Beltline.
Nothing has shaped Atlanta real estate prices more than the Atlanta Beltline project, which continues to finish a 22-mile loop around the city’s best neighborhoods.
Redevelopment, such as the opening of Krog Street Market and other projects have skewed home prices in the city’s interior in many cases leading to double digit growth.
As more projects see the light of day, we can only predict that home values around the Eastside, Westside and Southside Trails will continue to rise.
Read more: This People Are Having Too Much Fun On The Atlanta Beltline
Overall, many people, especially those relocating to Atlanta, continue to opt for the suburbs. They also are choosing areas farther out, including Dawsonville, Cumming, Stockbridge and Cartersville.
The Georgia real estate market is up 20% over the decade, with most of that confined to the metro Atlanta area.
Here Is How The Georgia Real Estate Market Has Grown From 2010-2018
- 2010 -4.41%
- 2011 -7.33%
- 2012 -1.75%
- 2013 5.14%
- 2014 6.59%
- 2015 6.37%
- 2016 6.69%
- 2017 7.14%
- 2018 8.23%
The Georgia Home Price Index is on an unprecedented streak, having risen for the last 26 consecutive quarters.
Final Word
Homeownership is becoming attainable for more Americans than ever before. And especially is that the case in Georgia.
The Peach State’s largest city has one of the best real estate markets in the country, with affordable housing in every quadrant of the city. Large backyards, manicured parcels and strong neighborhoods with ample dining amenities make it one of the top places for transplants.
Not to mention that the city’s dining scene is the best in the Southeast. Looking for a home? Check out our Real Estate Resource Page.
Keep up with what’s going on in Atlanta’s real estate scene here with our Apartment Guide.
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A new show is casting in Atlanta right now and all it needs is some paid audience members.
If you are available to attend a taping, please read the following details below to submit your availability.
How To Get Cast On New TV Show Filming In Atlanta
CAB Castings, LLC is looking for PAID AUDIENCE MEMBERS that are between the ages of 18 and 25 to be a part of the chic audience for an independent show, “BLACK COLLEGE QUIZ with State Farm”, which will be filming here in Metro Atlanta.
Each set of taping block above is expected to last up to 10 hours (Consists of paperwork, Prep/Seating, and Filming of Episodes) So do please plan for that amount of time!
Before confirming to any filming please double check your calendar and confirm you are fully available as we are not overbooking, as this is a very small audience.
We don’t have any call times yet , we just ask you have availability for the full day!
Show taping dates are currently scheduled as follows:
-Tuesday January 09, 2024 (10 hrs)
-Wednesday January 10, 2024 (10 hrs)
-Thursday January 11, 2024 (11 hrs Finale)
The rate for Audience Members on this production is $100 for 10hrs of work which you will receive at the end of the filming. You must complete the entire filming to receive the payment.
You will also be asked to come dressed in trendy, fashionable and cute. You will also be asked to bring additional clothing tops to change into, as you will be shooting multiple episodes in your time block.
There will also be breaks in between your taping block where we will give restroom breaks, feed you and you will change clothes to prepare for the other shows. ***ONLY 25 PEOPLE WILL BE CHOSEN EACH DAY!
If interested and available, please send us an email to info@cabcastings.com
w/ Subject Line: BLACK COLLEGE QUIZ(Date you want to attend)
that includes information below:
– Name
– Number
– Age
– Height
– If you attend college please state the school
– Do you have visible tattoos? If so where?
– What film date(s) are you interested in attending.
– 2 RECENT PICTURES (Head shot/ Full body shot)
****PLEASE SEND YOUR BEST PICTURES!!! THIS IS HOW YOU WILL BE CHOSEN. REMEMBER only 25 people will be chosen each taping. YOUR PICTURES SUBMITTED DO MATTER!
*********PLEASE INCLUDE ALL INFORMATION ABOVE IN YOUR EMAIL FOR PROPER BOOKING!!!
A member from the CAB CASTINGS will call you to book your attendance and confirm if interested.
The Peach State is the new Hollywood. That’s because Georgia is #1 in film production, which means that there are a lot of jobs to be had.
With more than 900 movie and TV projects just in the last few years, the film industry has generated more than $9 billion for the state of Georgia.
There are so many movies filmed in Atlanta these days that it’s hard to keep up with it all. That’s why I suggest you subscribe to AtlantaFi.com to get all the freshest movie casting calls, celeb sightings and Atlanta happenings delivered to your inbox.
Want to work in Georgia film & TV? Here are the latest Atlanta casting calls
Read More From AtlantaFi.com:
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After a crippling strike that paralyzed the industry for much of the past year, acting is back in vogue. Do you want to become a TV or movie actor? It’s possible.
The reason we say that is because in places like Atlanta and New Orleans, more and more Hollywood productions are holding casting calls there, giving people who never thought they’d be in the industry a chance.
Here’s How To Become An Actor In Atlanta
This article will explain the steps on how to become an actor in today’s fluid landscape of Hollywood’s diminishing power, the rise of Netflix and Atlanta s the movie mecca. But first….
Do You Need To Go To Acting School To Be An Actor?
Let’s answer this question right now: No, you don’t have to go to acting school to be an actor. Well let’s say this: Tom Cruise, Jennifer Lawrence, Channing Tatum and many more actors didn’t go to acting school.
Lamont Coleman, an accomplished Los Angeles-based actor, producer and NAACP Award winner, says that the key to becoming an actor has as much to do with timing as much as your talent.
The truth is that you have to do what’s best for your career and lifestyle,” Lamont tells AtlantaFi.com. “Obviously, school can’t hurt, especially when you’re young.”
Don’t wait for someone to make you an actor, get and do it yourself! I went to school with so many people back in college that I don’t see here in Hollywood. So many people who I took classes with here in Los Angeles have now went back home.”
He says many actors are hired because they may be able to bring in another audience, but in his case, he worked his way up.
Coleman, who has landed a role on Tyler Perry’s Have and Have Nots, is a producer now. In fact, One of his films recently won the International Burbank film Festival.
So let’s get into it: Here’s what you need to do to be an actor:
1. Go To Acting School
Ah, yes, education is one of the best ways to gain a foothold in any industry, and acting is no different. It is a craft after all.
Most actors will tell you that you need professional training, and that’s the truth. This video from The WillyDuz shares some insights from actors on the subject. One says this:
“I wasn’t in the conservatory program. I didn’t study theater for years and years, but I did take some classes,” one actor says on film.
“Also people have different levels of natural ability. Some people acting comes a little easier to them than others, so you might not need as much training,” he says.
Having said that I want to stress this: You DON’T have to go to acting school to be an actor.
2. Get Discovered
After you’ve got some training or the drive it takes to be an actor, you’re going to need some exposure.
Back in the day, aspiring Hollywood actors used to wait tables and give business cards to customers who may be producers or directors in the business.
Nowadays you need to do various things to be seen and heard. That includes any of the following:
- Go where the action is: Atlanta, Los Angeles, etc.
- Network at industry events and parties
- Make friends in the movie industry
The #1 to get discovered though is to get some work. That means you’ll need to try to land roles no matter if they’re small or large, talking or non-talking.
You need to work hard to audition for stage performances, web series, supporting TV and movie roles and more.
Here’s the thing: If you don’t get discovered, you’re going to have to…
3. Start Working & Keep Working
The #1 way to become an actor is to work. It doesn’t matter so much where you live, or who you meet, although both of those things can help.
The key is to start working in the industry — and keep working. In the meantime:
- Hone Your Craft
- Extend Your Range
- Be Patient
Show up early for auditions so that you can stand out.
4. Take Some Good Headshots
One of the best ways to stand out from the acting crowd is to have a good headshot. You may be wondering whether your headshot should be black-and-white or color. Why not do both.
Here are some great headshot resources.
Final Word
Coleman says make sure you make connections because you never know how they may bear fruit.
“The way this beast [Hollywood] is set up is you might get lucky and land a role in a commercial or five lines or less. But it’s who you know and if you are on their mind at the time.”
But it takes more than that. It will also take talent and good timing, if we’re being honest. But here’s the thing: You can do it.
Make sure you have an agent that you trust so that you can focus on your craft. So how do you get an agent? You get one through a referral.
Watch this video on getting an agent from Backstage.com:
Also, make sure your headshot is a great one.
Don’t be worried. You got this.
With more than 800 movie and TV projects just in the last few years, the film industry has generated more than $9 billion for the state of Georgia.There are so many movies filmed in Atlanta these days that it’s hard to keep up with it all. That’s why I suggest you subscribe to AtlantaFi.com to get all the freshest movie casting calls, celeb sightings and Atlanta happenings delivered to your inbox.Want to work in Georgia film & TV? Here are the latest Atlanta casting calls
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