Home Heating Sources

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Heating and cooling systems are some of the most important investments you’ll ever make in your home. Heating and cooling accounts for 44% of your home’s energy use. Various systems include electric, gas, propane, oil, and even wood-fired.

The method of distribution can be forced air, under floor boilers and pipes, baseboard, zonal, gravity, heat pumps, ceiling wires and, of course, wood stove and fireplace. Some have higher purchase prices, while others cost more to maintain or operate.

The more energy efficient an appliance is, the less it costs to run and the lower your utility bills. Use this knowledge to evaluate the asking price of any home. You’ll be money ahead as you factor its heat source into any offer! More information on heating is availableright here.

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Asbestos Concerns

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Many sales agreements mention asbestos by saying “the buyer is aware asbestos may be used in the construction of this home.” This can be a little unsettling. Asbestos is a known carcinogen, and when exposed, tiny particles can be released into the air you breathe.

Asbestos is a common insulator used in many homes, and was used for everything from siding to tape wrapping for furnace air ducts and even sometimes in “popcorn” ceilings. There are several remedies that range from the simple to the complex.

Your home inspector can tell you if asbestos is present in easily visible places such as siding, taping, and insulation, and recommend remedies if necessary. More information on asbestos can be found right here.

What Is A Short Sale In Real Estate? And How Can It Help Sell A Home In Atlanta?

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A short sale takes place when a home owner cannot afford to make their mortgage payments to the bank due to unforeseen hardship or extenuating circumstances. A request from the home owner must be made to the lending bank’s “loss mitigation department” and the bank must agree to a loan payoff typically less than the amount borrowed. Short sales are a way to help distressed homeowners, but not a way to simply get rid of a home in a difficult real estate market. If you are worried about foreclosure and want to know more about your options or the possibility of a short sale, please click here.

Below are a few situations that could justify the bank granting a short sale. These MUST be qualified and proven in writing to the lending bank. If you are facing one of the following situations and struggling to make your payments, please talk to your lender as soon as possible:
Ø Illness of a borrower or co-borrower and, due to that illness, cannot continue to make payments. This would have to be accompanied by a doctor’s statement of permanent or long-term disability.
Ø Death of a co-borrower who originally qualified for the loan.
Ø Divorce or legal separation accompanied by legal documentation and attorney’s correspondence.
Ø Involuntary loss of job or a significant modification in pay with documentation from employer and recent and past check stubs as verification.
Ø Illness of a family member where borrower or co-borrower is the only one that can provide care; again, a doctor’s statement would be required.

Unjustified or trivial reasons will not be supported. A few examples of these include:
Ø You quit your job or were fired for just cause.
Ø You refinanced or obtained a loan with accelerating payments, high interest rate, or negative amortization.
Ø You ran your credit cards up to the max and can’t afford all your payments.
Ø You bought a new car or other large purchase and now can’t afford all of your payments.
Ø You decided to separate from a spouse or significant other co-borrower without a divorce or legal separation.
Ø You decided to or need to relocate and the value of the property is less than the outstanding balance of the loan.

The title “short sale” can be slightly deceiving since these transactions can still involve a few months of dealing with the bank, they still tend to be less costly, quicker, and less damaging than foreclosures (for both the bank and home owners). If you plan on buying a short sale home, know that you may have to wait 60-90 days for the closing.

If you have any questions about how short sales work, just give us a call and we can show you the checklist of items required by the bank, explain the process step-by-step, and go over a sample hardship letter. Or, if you feel like you might be in risk of foreclosure, please give us a call today so we can help. Just call our office at 404.564.7200 and ask to speak to someone on the listing team.

If you would like to know more about saving your home from foreclosure, please click here for our blog titled, “Foreclosure Help & Assistance for Atlanta Homeowners.”

For more short sale details for those who are more familiar with the process, you can check out a thorough short sale blog here.
the zac team zac atlanta Atlanta real estate agents zac real estate foreclosure help remax atlanta short sales short sale real estate what is a short sale mortgage help homeselling in atlanta real estate hardship letter mortgage payments

A short sale takes place when a home owner cannot afford to make their mortgage payments to the bank due to unforeseen hardship or extenuating circumstances. A request from the home owner must be made to the lending bank’s “loss mitigation department” and the bank must agree to a loan payoff typically less than the amount borrowed. Short sales are a way to help distressed homeowners, but not a way to simply get rid of a home in a difficult real estate market. If you are worried about foreclosure and want to know more about your options or the possibility of a short sale, please click here.

 

Below are a few situations that could justify the bank granting a short sale. These MUST be qualified and proven in writing to the lending bank. If you are facing one of the following situations and struggling to make your payments, please talk to your lender as soon as possible:

Ø Illness of a borrower or co-borrower and, due to that illness, cannot continue to make payments. This would have to be accompanied by a doctor’s statement of permanent or long-term disability.

Ø Death of a co-borrower who originally qualified for the loan.

Ø Divorce or legal separation accompanied by legal documentation and attorney’s correspondence.

Ø Involuntary loss of job or a significant modification in pay with documentation from employer and recent and past check stubs as verification.

Ø Illness of a family member where borrower or co-borrower is the only one that can provide care; again, a doctor’s statement would be required.

 

Unjustified or trivial reasons will not be supported. A few examples of these include:

Ø You quit your job or were fired for just cause.

Ø You refinanced or obtained a loan with accelerating payments, high interest rate, or negative amortization.

Ø You ran your credit cards up to the max and can’t afford all your payments.

Ø You bought a new car or other large purchase and now can’t afford all of your payments.

Ø You decided to separate from a spouse or significant other co-borrower without a divorce or legal separation.

Ø You decided to or need to relocate and the value of the property is less than the outstanding balance of the loan.

 

The title “short sale” can be slightly deceiving since these transactions can still involve a few months of dealing with the bank, they still tend to be less costly, quicker, and less damaging than foreclosures (for both the bank and home owners). If you plan on buying a short sale home, know that you may have to wait 60-90 days for the closing.

 

If you have any questions about how short sales work, just give us a call and we can show you the checklist of items required by the bank, explain the process step-by-step, and go over a sample hardship letter. Or, if you feel like you might be in risk of foreclosure, please give us a call today so we can help. Just call our office at 404.564.7200 and ask to speak to someone on the listing team.

 

If you would like to know more about saving your home from foreclosure, please click here for our blog titled, “Foreclosure Help & Assistance for Atlanta Homeowners.”

 

For more short sale details for those who are more familiar with the process, you can check out a thorough short sale blog here.

the zac team zac atlanta Atlanta real estate agents zac real estate foreclosure help remax atlanta short sales short sale real estate what is a short sale mortgage help homeselling in atlanta real estate hardship letter mortgage payments

The Zac Team’s report on housing market brings good news for Atlanta residents

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The Zac Team, a leading real estate company, has sent out February’s Home Price Reports to over 1,000 interested Atlanta residents in a bid to keep them updated about the latest developments in the local housing market.

The report contains information on what homes in over 70 neighborhoods and condo buildings are currently valued at and have recently sold for. In what can be termed as good news for the residents, the report concluded that 2013 was the strongest year for home sales since 2006.

Real estate professionals at the Zac Team collected the information regarding the value of properties in various neighborhoods under the supervision of the company’s founder Zac Pasmanick. Residents interested in the local housing market consider the Home Price Reports as one of the most trusted source of information to get an idea of the actual value of houses in their neighborhood, a company spokesperson said.

The spokesperson said that The Zac Team has concluded that the housing in Atlanta has showed positive signs of growth.

“Housing indicators for December, the latest information available, reflect the year-long pattern of rising prices and sales. December saw an 11.9% increase in sales over the month of November for a strong finish to a great year. In fact, 2013 was the strongest year for home sales since 2006,” the spokesperson said.

The report includes the properties in the various neighborhoods currently listed for sale and those sold in the last six months.

“Though there can be variation in what neighboring homes sell for – due to value differences based on specific street location, lot size, square footage, interior condition, basement improvements, and some other factors; this monthly report provides a general idea of what sellers are now asking for the homes that are listed in the Multiple Listing Service,” said the spokesperson.

Urging people to be part of the steady growth in the residential property market, Zac Pasmanick invited people for a free consultation and evaluation of their property by him and The Zac Team professionals.

Zac Pasmanick and his team have sold over 4700 houses in the last 25 years.

Zac Pasmanick has won several awards and accolades for his community service and contribution to the industry. He is known as the go-to person if someone needs to buy or sell a house in Atlanta.

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Media Contact: Nate Lee

Designation: Marketing Manager

Direct #: 404-564-7250

Office #: 404-564-7272

Email: nate@zac.biz

Website: http://www.zacsellsatlanta.com

 

The Zac Team has a new listing on 315 Rissington Passage, Alpharetta, GA 30004

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Adding one more residential property to its prime location realty listings, The Zac Team, a 25-year-old company founded by leading realtor Zac Pasmanick, has listed a new house at 315 Rissington Passage, Alpharetta, GA 30004.
A company spokesperson said that aesthetic design, modern amenities, and space are some of the qualities which make the house an instant draw.
“The home has 5 bedrooms, 4.5 bathrooms. It is located in the highly desirable neighborhood of Crooked Creek subdivision,” the spokesperson added.
Home is equipped with excellent and all modern amenities. The property is listed at $575,000.
“It has a fully renovated kitchen with granite countertops and stainless steel appliances. The kitchen overlooks the family room, a large dining room, and a formal living room. There are four bedrooms upstairs, including a luxurious master suite with vaulted ceiling, double vanities, and an oversized walk-in closet. The finished terrace level has a media room, wet bar, bedroom, bath, a walk-out patio to the golf course and workout room,” the spokesperson said.
He further said that there are enough facilities for entertainment and leisure as the house has has access to swimming pools with a water slide, clubhouse, and tennis courts.
This high-end property offers a great opportunity for families seeking a prime location property at competitive rates.
The Zac Team has supervised over 4,700 property deals throughout the past two decades. The company prides itself on an excellent customer satisfaction record.
Its founder Zac Pasmanick and his team are committed to bringing the best property solutions to families seeking the home of their demands or trying to get the best price for their property.
Zac Pasmanick has won several awards and accolades for his community service and contribution to the industry. He is known as the go-to person if someone needs to buy or sell a house in Atlanta.
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Media Contact: Nate Lee
Designation: Marketing Manager
Direct #: 404-564-7250
Office #: 404-564-7272
Email: nate@zac.biz

The Zac Team has a new listing on 1622 Sprucewood Court, Decatur, GA 30033

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The Zac Team, a leading real estate company serving the Atlanta property market for the past two decades, has announced a new residential property listing on 1622 Sprucewood Court, Decatur, GA 30033.

The Zac Team spokesperson said that the look and the location of the house are what make it a major attraction for families seeking the home of their dreams.

Equipped with three bedrooms and 1.5 bathrooms, the house is listed at $225,000.

“The neighborhood is fully developed. It is situated within an easy reach of major shopping areas, downtown Atlanta, and expressways,” the company spokesperson said.

The Zac Team professionals have turned it into a move-in ready home after it was listed for sale.

“Moving in and settling down will be really easy for a family. The house has been scrubbed and polished. All a family needs to do is to give some final touches for a personalized appearance, space and decor,” said the spokesman.

The all-brick house is constructed in a mix of traditional and contemporary style on a cul-de-sac lot.

“The dining area has French doors and opens to a sunroom with a deck overlooking a spacious private backyard. The kitchen features a garden window, a skylight, and Corian countertops. The expansive daylight basement has concrete floors throughout. Tank-less water heater, newer HVAC, and gorgeous re-finished hardwood floors throughout are just some of the attractive features of a modern house,” said the spokesmen.

The property has been listed by The Zac Team, a real estate company founded by leading realtor Zac Pasmanick.

Zac Pasmanick and his team have sold over 4,700 houses in the last 25 years.

Zac Pasmanick has won several awards and accolades for his community service and contribution to the industry. He is known as the go-to person if someone needs to buy or sell a house in Atlanta.

###

Media Contact: Nate Lee
Designation: Marketing Manager
Direct #: 404-564-7250
Office #: 404-564-7272
Email: nate@zac.biz
Website: http://www.zacsellsatlanta.com

Zac Team’s know-how

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Real estate professionals at The Zac Team are experienced and have gained a vast pool of knowledge about the Atlanta property market over the years. This knowledge has helped them bring the best property solutions to their clients. Whether clients need to buy property or they want just some consultation, Zac Pasmanick and his team are always eager to help. The company provides the latest information about the Atlanta real estate market. It also keeps the clients apprised of likely changes in the property in particular areas.