Gary LaClair
Realtor Extraordinaire
Atlanta Communities Real Estate Brokerage
*YOUR GOALS ARE MY GOALS!
*Top Producer since 2001
*Sold 600+Homes
*95% Sales: Past Clients,Referrals & Their Grown Kids
*BEST Technology
*You hear“Home Sale"You Say"GARY”
*Top Producer since 2001
*Sold 600+Homes
*95% Sales: Past Clients,Referrals & Their Grown Kids
*BEST Technology
*You hear“Home Sale"You Say"GARY”
Mobile: 404.969.8685
Office: 770.240.2000 x3819
Email: Info@GAhometown.com
Website: www.LookBookLink.com/GetGary
Locations:Alpharetta, Woodstock, Marietta, Atlanta, Cartersville
Gary LaClair Specialty Links
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Atlanta Communities Real Estate Brokerage
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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
Home Selling Process
Secret for a Stress Free Transaction
Buy vs. Rent
6 Tips for Selling a Home
6 Reasons to Own a Home
Resume: I work for YOU!
Gary's Resume
Buyers Docs
Knock - Buy then Sell
Property Disclosures
Homeowner Expenses
From Contract To Close
Final Walk Thru
Am I Ready to Buy
Buyers Criteria
Home Buyers Toolkit
Closings
2-10 protection Plan
Moving+Checklist
Georgia Natural Discounts
For Sellers
Selling - Determining a Timeline for Selling
Selling - Features and Upgrades Worksheet
Selling - Home Showing Guidelines
Selling - Increasing Your Home's Marketability Worksheet
Selling - Vacant Homes Utility Checklist
Selling - a Pre-Inspection Checklist
Moving+Checklist
Selling - Preparing Your Home for Appraisal
Staging your home
Selling - Photographer's Checklist (Remember to close all toilet lids)
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
NAR Home Buyers and Sellers Generational Trends
How Real Estate Professionals are Compensated
Cost vs Value 2024
Cost Vs Value Report Summary 2023
