Dona Cardenas
Realtor/Broker Associate
Atlanta Communities Real Estate Brokerage
Using her 29+ years in real estate, Dona excels in getting high-priced sales for sellers and crafting winning offers for buyers. Personalized attention and professionalism define her approach.
My Links
My Links
Atlanta Communities Real Estate Brokerage
Buyer Products and Services
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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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Videos
East Cobb Pope school district
Home Selling Process
Secret for a Stress Free Transaction
Buy vs. Rent
6 Tips for Selling a Home
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
Cost vs Value 2023
Cost Vs Value Report Summary 2023
