MARTHA O'SULLIVAN | Smyrna Real Estate, Binings Real Estate, Marietta Real Estate



This listing recently sold for $358,000.

2798 Loftview Square, Atlanta, GA 30339  

Residential
$360,000
Price
$358,000
Sale Price
3
Bedrooms
4/2
Full/Half Baths
Gorgeous townhouse in the heart of Vinings! PRIME LOCATION within walking distance of The Battery & NEW Braves stadium! This Townhouse is UPGRADED TO THE MAX AND MOVE IN READY! Close to the Jubilee area w shopping & restaurants, easy access to 285/75, & Suntrust Park! This 3 bedroom, 2 full bath & 2 1/2 bathrooms PLUS Bonus room (or office)! Impeccably maintained w modern updates & open floor plan, hardwood floors throughout the main level, granite counter tops, large walk-in closets, a spacious master bath. Extra storage space & private deck off family room.


Applying for your first home loan can seem scary or daunting to many first-time homeowners. However, this process, if done correctly, can save you thousands or tens of thousands of dollars on interest over the lifetime of your loan.

Before you apply for a loan, there are several documents you’ll want to gather and steps you’ll want to take to ensure the application process goes smoothly. In today’s post, we’ll talk about one specific aspect of the mortgage application process--credit scores.

Credit scores may seem confusing. However, since they can so drastically affect your home loan interest rate, it’s important to understand their implications.

Credit checks and mortgages

One of the things that all lenders will want to see before approving you for a home loan is your credit score. If you’re thinking of applying for a mortgage, odds are that you’ve been working to build credit by paying off loans and credit cards on time each month.

The three main credit bureaus in the U.S. are all required to give you a yearly free credit report. This is a detailed document that outlines your lines of credit, payment dates, and amounts. It’s a good idea to get a detailed credit report and check for errors before applying for a loan.

Unlike a hard “credit inquiry,” a free report does not affect your credit score, so you don’t have to worry about dropping a few points by requesting one of these reports.

When applying for a mortgage, however, lenders will perform a hard credit inquiry to determine your borrowing eligibility. This is a part of the pre-approval process and is typically unavoidable.

This is important to note if you are planning on applying to multiple lenders. Be aware that each “prequalification” and “preapproval” may come with a temporary drop in your credit score.

Since credit inquiries make up a total of about 10% of your credit score, these inquiries can make a difference in the short term. For this reason, it’s a good idea to avoid opening new cards or taking out other loans (such as an auto loan or student loan) within six months of your mortgage application.

If you aren’t sure of your current score, you can always check for free from websites like Credit Karma and Mint.

One last thing to note about credit scores and their relationship to mortgages is that most lenders use a specific type of score known as a FICO score. In fact, every adult in the United States with a credit score will have three FICO scores, one from each major credit bureau.

So, when checking up on your credit score, it’s good to remember that each score will be slightly different and your lender’s score may not reflect what you see online.


3422 Triview Square, Atlanta, GA 30339  

Residential
$389,900
Price
3
Bedrooms
4/1
Full/Half Baths
END UNIT...PRIME LOCATION only minutes from SunTrust Park home of the ATL Braves !! This floor plan is the most popular in the community with 3 bedrooms & 3.5 bath UPGRADED TO THE MAX, PERFECT CONDITION AND MOVE IN READY! HARDWOOD FLOORS (carpet only in bedrooms), LARGE MASTER SUITE WITH PRIVATE BATH with large WALK IN CLOSET. CUSTOM PAINT, LIGHTING, Open floor plan walk out deck. This is unit is located in the popular Vinings Overlook community schedule your showing today!



This listing recently sold for $302,000.

5217 Whiteoak Se Avenue, Smyrna, GA 30080  

Residential
$300,000
Price
$302,000
Sale Price
3
Bedrooms
4/1
Full/Half Baths
RARE END UNIT 3 story T'house in White Oak Preserve! This unit has an open floor plan and is move in ready. Beautiful hand scraped hardwoods on the main level with large open kitchen with SS appliances, living room with a fireplace plus 3 bedrms and 3.5 bath, Large deck, Lower level features an office/media room with a FULL bathroom (can be used as a bedroom if so desired). All located within steps of the community pool. This one is sure to go quick do not miss out!



This listing recently sold for $375,000.

3376 Triview Square, Atlanta, GA 30339  

Residential
$389,900
Price
$375,000
Sale Price
3
Bedrooms
4/1
Full/Half Baths
PRIME LOCATION only minutes from SunTrust Park home of the ATL Braves !! This flooor plan is the most popular in the community with 3 bedrooms & 3.5 bath UPGRADED TO THE MAX, PERFECT CONDITION AND MOVE IN READY! HARDWOOD FLOORS (carpet only in bedrooms), LARGE MASTER SUITE WITH PRIVATE BATH & Custom WALK IN CLOSET. CUSTOM PAINT, LIGHTING, Open floor plan, private deck and lower level patio with green space. This is unit is located in the popular Vinings Overlook community schedule your showing today!