Do I have to work with the office/Realtor that has the listing I'm interested in?

No, we can show and sell all other Realtors® listings through the MLS.

What is the MLS?

MLS stands for Multiple Listing Service. A real estate office can join their local MLS to access information on other offices listings. Also, through being a member of the local MLS any office can sell another offices listing and be compensated through the listing commission.

What is a Buyers Agent?

A buyers agent is a licensed Realtor® who is only representing the buyers interest in a particular transaction. For a complete description see our Office Policy for Buyers.

What is a Limited Agency?

A limited agency is when the Realtor® is working with both the buyer and the seller in a particular transaction. For a complete description see our Office Policy for Sellers or our Office Policy for Buyers.

As a buyer what will my costs be?

When you buy real estate you have to put down an earnest money deposit at the time that you make the offer to purchase. You will need to have one year of home owners insurance paid prior to closing. If you are getting a loan on the property you are purchasing, your lender will have costs and fees as well. These costs and fees will be itemized on the lenders "Good Faith Estimate". Be sure to go over your Good Faith Estimate carefully and ask your lender if you have any questions on the items listed. Other costs that you may incur are inspection fees, title company closing fees or any number of other things. At HELT Realty, Inc. we will help you through all the offers and negotiations so you will have a good idea as to what to expect at the closing. You may also have to pay deposits with the utility providers.

As a seller what will my costs be?

Typical costs include the Title Insurance, deed preparation, current real estate taxes, prorated real estate taxes, real estate brokerage commission and any outstanding loans or liens on the property. You may also agree in negotiations with the purchaser to pay for some inspections, closing fees, purchasers closing costs, or any number of other items. At HELT Realty, Inc. we provide a sellers net proceeds estimate with all offers to show any possible expenses you will be expected to pay.

What is earnest money?

Earnest money is a deposit that is given at the time a buyer makes an offer on the property of choice. The deposit shows that the buyer has serious intent to purchase. Also, without earnest money no offer is binding. The deposit is held until closing and goes toward the purchase price.

How long will it take me to sell my house?

The average marketing time in Fulton County was 193 Days in 2008.

HELT Realty, Inc.'s average marketing time was 160 Days in 2008.

What is PMI (Private Mortgage Insurance)?

PMI is mortgage insurance for the lender. Most lenders require PMI if the borrower has less than 20% down payment. PMI is usually paid monthly along with the mortgage payment.

What is an escrow account?

An escrow account is a bank account that holds other peoples' money. Earnest money is held in an escrow account until closing. Mortgage lenders also use escrow accounts for a borrowers taxes, insurance and PMI payments.

What is Title Insurance?

The process of reviewing all publicly recorded transactions to determine whether any title defects exist that could interfere with a clear transfer of property ownership.

What is an appraisal?

A professional opinion of the value of a property by a licensed real estate appraiser. Lending institutions have appraisals done on the properties they intend to lend money against to make sure it has sufficient value. This is a safeguard for the lender and also the buyer.

What is a survey?

A drawing or map showing the precise legal boundaries of a property, the location of improvements, easements, rights of way, encroachments, and other physical features.

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