Chris Ess
OWNER/REALTOR
Chris Ess Real Estate Group powered by Atlanta Communities
As a highly accomplished REALTOR, Chris's passion for real estate and deep understanding of the local market benefits his clients in navigating the complexities of selling and buying real estate.
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<p><span style="font-size:19px;"><strong>Conventional loan</strong></span></p><p>Conventional loans, the most popular type of mortgage, come in two flavors: conforming and non-conforming.</p><p><span style="font-size:21px;">PROs</span><span style="font-size:19px;"><strong> </strong></span>of conventional loans</p><ul><li>Available from the majority of lenders</li><li>Can be used to finance primary residences, second or vacation homes and investment or rental properties</li><li>Can put down as little as 3% for a conforming, fixed-rate loan</li></ul><p><span style="font-size:21px;">CONs</span><span style="font-size:19px;"><strong> </strong></span>of conventional loans</p><ul><li>Need a credit score of at least 620 to qualify</li><li>Lower debt-to-income (DTI) ratio threshold compared to other types of mortgages</li><li>Need to pay private mortgage insurance (PMI) premiums if putting less than 20% down</li></ul><p> </p><p><span style="font-size:19px;"><strong>Government-backed loan</strong></span></p><p>The U.S. government isn’t a mortgage lender, but it does play a role in making homeownership accessible to more Americans by backing three main types of mortgages: FHA, VA and USDA </p><p><span style="font-size:21px;">PROs</span><span style="font-size:19px;"><strong> </strong></span>of government-backed loans</p><ul><li>Much more flexible credit and down payment guidelines</li><li>Help borrowers who wouldn’t otherwise qualify</li></ul><p><span style="font-size:21px;">CONs</span><span style="font-size:19px;"><strong> </strong></span>of government-backed loans</p><ul><li>Additional cost for FHA mortgage insurance, VA funding fee and USDA guarantee fees</li><li>Limited to borrowers buying a home priced within FHA loan limits or in a rural area, or servicemembers</li></ul>
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Chris Ess and Affiliated Partners
Welcome to Chris Ess Real Estate Group powered by Atlanta Communities
Andy Hartman - Hartman Law Firm
Sellers
Home Selling Process
6 Tips for Selling a Home
Buyers
Everything You Need To Know about Buying a Home
Home Buying Process
More Videos
Secret for a Stress Free Transaction
Buy vs. Rent
6 Reasons to Own a Home
For Buyers
Buying - Home Search Checklist and Worksheets
Home Buyer Checklist
Final-Walk-Through-Checklist
For Sellers
Selling - Preparing Your Home Worksheet
Selling - Determining a Timeline for Selling
Selling - Features and Upgrades Worksheet
Selling - Home Showing Guidelines
Selling - Increasing Your Home's Marketability Worksheet
Selling - Photographer's Checklist
Selling - Vacant Homes Utility Checklist
Selling - a Pre-Inspection Checklist
Selling - C.L.U.E. Property Request Form
Selling - Preparing Your Home for Appraisal
Attorney Fee Schedules
Hartman Law 2024 Fee Schedule
Campbell and Brannon 2024 Fee Schedule
Cook and James 2024 Fee Schedule
Thomas and Brown 2024 Fee Schedule
Documents
How Real Estate Professionals are Compensated
Filing For Homestead Exemption 2024
Cost vs Value 2023
