Kathy Sheehan Mortgage Lender

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Mortgage and Lending - Bay Equity, LLC 770-634-4021 - NMLS #206275 GA 25689
RECENT BLOG POSTS
There is a trend in seller paid closing costs on Georgia purchase transactions.  About two years ago, we saw purchase agreements where the seller would pay as much as 5-6% toward the buyer's closing costs and pre-paid expenses.  I have noticed over the last year sellers are starting to pull back...
07/28/2013
Tips for buying a new car when you also want to buy a house may sound like an odd title for a blog, but it is subject that needs to be addressed.  In the last week, I have talked with three first time home buyers that are anxious to own their home. As we discussed income, employment, savings and...
07/28/2013
Georgia has a new millionaire!  You know her.  She is the real estate expert in Warner Robbins and middle Georgia. Anita Clark.    I first worked with Anita when we shared a mutual client.  From the beginning of the transaction, it was clear that she was experienced, knowledgeable and on her gam...
07/28/2013
Please don't cry Ms. Buyer, not words that anyone want to say to a client.  But on occasion we have to deliver some bad new.  Today was one of those days.   As the conversation started everything was okay, we started reviewing her credit report, and then the calculation for income because she is...
07/26/2013
    I'm Happy Being in the Rain!  Oh yes I am!  Today was the fourth in a row where there just seems to be more work than hours in the day.  I was diligently working on another file when my phone rang.  Okay, I will admit I looked at the caller ID.  I didn't recognize the number, and for a split ...
07/25/2013
  The GA Dream Homeownership Program is a down payment assistance program sponsored by The Deparment of Community Affairs.  It offers either $5000 or $7500 depending on the buyer's qualifications in the form of a silent second mortgage for first-time homebuyers.  This means that there will be a s...
07/21/2013
It is time to talk about credit again.  In just the last 2 days I have had three phones with questions about credit inquiries and how they impact your credit score.  This is probably the most frequently asked question I receive from individuals whether they are buying a home or not.   Here is my...
07/21/2013
  There are no shortage of media stories about the limited number of homes available for sale in most markets.  Buyers are still plentiful in the market so the question becomes, how do we find them the right home?  Well, maybe the cure for limited inventory is simply find a home that isn't quite...
07/21/2013
  Yesterday I wrote a blog about July being National Ice Cream month.  I have enjoyed all of the comments and enthusiasm from readers about all of the reasons to enjoy ice cream and their favorite flavors.  What I didn't realize is that the third Sunday of July has been declared as National Ice ...
07/21/2013
  The date was July 20, 1969.  The time was 11:59 p.m. EST.  The event, Apollo 11, a NASA mission landed on the moon.  During the 1960's following the space program was a national hobby.  In May of 1961 President John F. Kennedy declared that by the end of the decade the United States of America ...
07/20/2013
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Kathy Sheehan

Senior Loan Officer
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