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Are you thinking about buying a home in the Atlanta area? If you are looking for financing the process can seem overwhelming especially if you are a first-time buyer. How do you know if you have found a good broker? Or the right loan? We have put together some tips below to help you find a lender that will meet your needs! Determine if you are solo or need a broker First youll want to determineif you will be flying solo or using a mortgage broker. A broker makes their money from the lender when they refer you which like anything has its pros and cons. They willlikely be knowledgeable and be able to cut through the red-tape helping you find the loan you are looking for. They should be doing the majority of the legwork making the process easier on you. However some brokers might try to persuade you into working with a lender that gives them the highest cut. Its important you work with someone you can trust. Talk to people you know who have recently gone through the process themselves. Find out if they used a broker and how their experience was. If it is your first time buying real estate using a broker will help you to learn the process. If you do choose to work with a broker make sure they are experienced in the type of loan you are hoping to get. Some brokers specialize in FHA loans while others might know everything about USDA loans. A good mortgage broker will help you get the loan you need. Compare rates Whether or not you are working with a broker you will want to compare rates from multiple lenders. And get loan offers from more than one source. Ask lenders for a loan estimate which will breakdown all the numbers. Your monthly mortgage payment interest rate appraisals commissions taxes fees and more. Most people end up paying too much interest on their loan which equates to thousands of dollars over the life of the loan. Shop around to get the lowest rate possible and watch out for fees in the fine print. Don;t be afraid to let the lenders know you are current;y just shopping around. To get expert opinions about lenders consult professionals you already know and trust. Seeking help from a financial advisor attorney or accountant is a greatfirst step. Research lenders online and find out how their reviews stack up. Look for bad reviews and any red flags tomake sure there arent consistent complaints from other borrowers. Go to the bank Another great place to find a lender is by simply going into the bank where you have your checking and savings accounts. They are ready to help at any time just walk into the local branch and ask to speak with a loan officer. Most banks will also let you apply online. If youraccounts are in good standing and you have a history with them your application process will be much easier. When it is time to start the process of filling out applications prepare yourself in advance. Your credit should be in order. Check it ahead of time and resolve any outstanding debts or blemishes. Youll need old tax returns pay stubs and bank statements. If you plan ahead you wont be surprised by last minute documents or expectations. Feel comfortable when you find a lender Most importantly you should feel comfortable with the lender you choose. You shouldnt feel pressured into getting a loan. A good loan officer will be approachable and knowledgeable ready to share what is available to you. Buying real estate is a big step and choosing the right people to work with is imperative. When you are ready to buy in Atlanta give our team a call or send us an email! We cant wait to work with you! 678-337-1165 The post How To Find A Lender in Atlanta Georgia appeared first on Fresh Start Home Sales. via Blog Fresh Start Home Sales https://www.freshstarthomesales.com/how-to-find-a-lender-in-atlanta/

Do you have a property you want to sell in the Atlanta area? For many homeowners using a rent to own agreement will be the most profitable way to sell their home. Learn more about how it works and what you need to do to sell your house using a rent to own agreement! Many sellers dont consider the benefits of a rent to own agreement for their Atlanta house. While the terms of every contract are different there are some great perks that you will see across the board. If you dont need the cash from the sale immediately and are comfortable renting out the house for an above average amount each month selling your house via a rent to own agreement might be the best way to sell your Atlanta house! #1 Cash Upfront With most rent to own agreements the tenant is required to make a downpayment to the seller. While this may be much less than with a standard loan it should be enough to ensure the tenant wont back out of their debt. You can also utilize an option fee which is non-refundable and provides the tenant with the option to buy. This is usually about 1% of the sale price. In most cases this option fee and a portion of the monthly rent will go toward the tenants down payment when the official sale occurs. #2 Generate Passive Income So long as you have a tenant in the home you will be generating income on the property. Many times a tenant will pay above average rent with a portion of the funds going toward the eventual downpayment to the bank. Your tenant isnt going to want to risk default losing their deposit and option to buy. Knowing this you can almost rely on a continued tenancy from your tenant for as long as you own the property. #3 Get The Price You Want Tenants using a rent to own agreement typically arent able to qualify for a conventional loan. Whether they dont have the down payment the income to qualify or the credit score required buying via a rent to own agreement will allow people to purchase who may not have been able to in the past. As such by having the opportunity to buy these folks will likely be willing to pay your asking price for the property as long as its fair. Keep in mind that the value of the house could go up or down while the agreement is in place. The negotiated sale price will remain the same. #4 No Risk If The Tenant Defaults With most agreements if the tenant defaults the seller is able to keep all monies paid. Sure you will be back at square one but you will likely be ahead financially and have the option to sell outright or find a new rent to own tenant. The amount you can profit here may be in the thousands when you include the raised rent and down payment. #5 Increase The Number of Potential Buyers There are kinds of wonderful people out there who could afford to buy your house people who would never default on their loan. However they may have a blemish on their credit report or insufficient down payment making them unable to buy a house at the moment. They want to buy but are being held back due to something on paper. With a rent to own agreement you will be able to open the door for many people who may not have been able to buy otherwise. Contact our team today to learn more about how to sell your house using a rent to own agreement! 678-337-1165 The post 5 Reasons You Should Sell Your House Using A Rent To Own Agreement in Atlanta appeared first on Fresh Start Home Sales. via Blog Fresh Start Home Sales https://www.freshstarthomesales.com/5-reasons-you-should-sell-your-house-using-a-rent-to-own-agreement-in-atlanta/

As a buyer you will want to fully understand home inspections and how they work. What can they find and what can go undetected? What happens if the inspection goes poorly? We will attempt to answer all your questions with our latest post! You Should ALWAYS Have an Inspection Done On The Property No matter what property you are buying you should factor in the cost of a thorough and proper inspection. That said they are not a legal requirement when you buy a home. Some banks will require a full inspection before signing off on a loan. Some people waive the inspection but this is usually more common with cash buyers looking to save a few bucks. The trouble with skipping the inspection is that if you run into problems down the road it is solelyon you. You are buying as-is and cant ask for damages later. An inspection can save you thousands in repair costs you might not have seen on your own. So whether youarebuying a duplex condooryourgrandmas house makesure togo ahead with an inspectionfrom a licensed professional. They Work For You The inspection and related costs are on you the buyer. That said some sellers choose to have an inspection done when they decide to sell. This gives them a chance to make repairs and have the opportunity to address and negotiate problems upfront. Even if you are working with a seller who has done this you should STILL take matters into your own hands and have an inspection done by a licensed professional who comes highly recommended. Because they work for you you should do some research beforehand. What do their references have to say? Do they show exemplaryqualifications? How extensive is their training? And remember you are looking for a fully licensed and certified inspector. Not your friend Jim who knows a lot about construction. They Cant See It All There are some things an inspector simply cant inspect. Inside the walls cracks in the chimney inside the septic tank (ew) wellsand environmental factors. For issues pertaining to these parts of your future home you might consider consulting a specialist to further inspect. You wouldnt want a serious problem to go undetected for lack of a proper inspection. You Should Be There This is your chance to learn everything you can about the house. We have had buyers get up on the roof with the inspector. Try not to be annoying but take the opportunity to ask questions. If the inspector notices something is wrong how could it affect other areas of the house? Get a Report Make sure it is written clearly and that it addresses all major components of the house. You should understand everything and if you have a question simply ask. The report should cover all needed repairs. Get quotes to determine just what fixing the house will mean for you. Is it worth it? You are now able to negotiate any repairs with the seller. Will they make repairs? Lower the price? Give you a credit? If the home has many defects there is often an inspection contingency in your offer. This will allow you to back out of the sale if the inspection goes poorly. Home inspections are the way to understand more about a home you want to buy. Before making any purchase you should choose to hire a licensed and qualified inspector. Are you looking to buy a house in Atlanta ? Do you have questions about the process? We are here to help! Send us a message or give our office a call today! 678-337-1165 The post 5 Things Buyers Should Know About Home Inspections in Atlanta appeared first on Fresh Start Home Sales. via Blog Fresh Start Home Sales https://www.freshstarthomesales.com/things-you-should-know-about-home-inspections-atlanta/

HOAs often get a bad rap. In reality they can help to provide a wonderful environment to call home. There are many benefits and amenitiesthe come along with living in a community with an HOA however its notthe right living situation for everyone. In our latest post we will discuss thedrawbacks and benefits of an HOA controlled community. Benefits of an HOA Pros: Amenities! Having an HOA will typically mean you have access to shared amenities that you dont have to clean repair or maintain in any way. Swimming pools tennis courts and park-like settings can all be expected. Some might offer a fitness center or clubhouse. (Of course every community is different.) For example owning and maintaining a pool of your own can be a lot of work. Cleaning maintenance chemicals these things can really add up. Living in a community that takes care of this for you will save you time and money. Keeping The Peace Between Neighbors We have all lived next door to that one neighbor who just drove you crazy. From loud music to dogs barking all night to having your driveway blocked disrespectful neighbors can make home-life very unpleasant. Typically you would be dealing with the issues on your own which can ultimately create a greater divide between you and your neighbor. However when you have an HOA toact as a mediator issues such as the ones mentioned above can be resolved peacefully and without the problemsescalating into something bigger. Less Overall Maintenance and Responsibility An HOA will typically maintain the landscaping and grounds. Many times when you are living in a condo community outdoor maintenance of your home is included as well. This includes painting hardware and repairs.There are TONS of other things an HOA might cover depending on the community these can include: trash removal snow removal pest control tree trimming roofs etc. Having someone else take care of all these chores will free up time for you. This is perfect for busy families or older homeowners who dont want to spend their Sundays mowing the lawn. Cons: Fees amp; Assessments Living in an HOA will require you to pay a monthlyfee. This fee varies by community but some can be quite high ifmany amenities are offered. The average HOA fee runs about $400 a month. If you miss HOA payments penalties can be enforced. In someinstances an HOA can even foreclose on your property! Also if the communityrequires a major repair or improvement and association lacks funds they will create an assessment to be paid by all residents of the HOAs jurisdiction. THE RULES! Oh the rules. Every HOA is different. Each creates its own set of covenants conditions and restrictions (CCamp;Rs) by which they operate. Not being able to rent your home choose your paint color or decorate youryard the way you like are just a few of the things you might have to contend with. Before you move into an HOA community fully read their CCamp;Rs to make sure they wont negatively impact your quality of life. It is your home after all you want to make sure you are able to enjoy it. Lack of Privacy When you live in a community with an HOA some residents can really take advantage of it. There is always the one neighbor who is looking for things to report. Some HOAs can be overbearing with continual inspections and drive-bys. If you are looking for a home with an HOA talk to some neighbors and see what they have to say. Do they seem pleased or annoyed? HOA monitored communities can offer convenience multiple amenities as well as peace of mind. However they arent right for everyone! We are ready to help you determine what is right for you! Are you looking to purchase a home in Atlanta ? Find out if living with an HOA is the right decision for you! Send us a message telling us about your situation or give us a call now! The post Buying a House | Drawbacks and Benefits of an HOA in Georgia appeared first on Fresh Start Home Sales. via Blog Fresh Start Home Sales https://www.freshstarthomesales.com/buying-a-house-drawbacks-and-benefits-of-an-hoa-in-georgia/

Selling your property via a rent to own agreement is an excellent way to easily get the price you want for your Atlanta house. The process is simple and youll likely be able to find a buyer right away even your current tenant! Learn more about how to set it up in ourlatest post! There are many reasons why homeowners in Atlanta are choosing to sell their properties via a rent to own agreement. If the cash isnt needed right away there are many financial benefits to selling your house in this manner. Below we outline 7 steps to sell your property via a rent to own agreement in Atlanta ! Step #1 Find The Right Tenants When entering into a rent to own agreement with a potential buyer youll want to make sure it is someone you know and trust. If you would like to ultimately sell the house you dont want to have to worry about the deal not going through when the lease period is up. You are delaying the receipt of your funds in order to get the price you want make sure you are working with someone who is worth it! If you have a great long-term tenant they are the first place you might want to look when trying to find the right people to move in. Step #2 Run The Numbers As a seller you are sacrificing immediate cash for a long term gain so you will want to make sure its worth it. How much will you need upfront as a deposit? What about an option fee? Youll need to figure out what youll need to charge in rent each month in order to make it worth it for you. Youll need to determine which costs will be passed on to your tenants and which costs you will still need to manage. As you will still technically be the owner of the house during the lease period youll ultimately be responsible for taxes and insurance. Make sure the monthly rent you are changing can cover these amounts! With a rent to own agreement the sale price is typically locked in at the time of purchase. However in some cases a tenant will agree to purchase at the market value at the time of the actual sale. While you run the risk of your home value dropping you might also be able to get a higher price when all is said and done. If your tenant agrees to this it is something you will want to consider! Step #3 Agree On Terms There are many things a buyer and seller must agree to before executing their rent to own agreement. Before the buyer and seller sign on the dotted line make sure to have an attorney look things over. Even the smallest mistake in your contract could have a huge impact on your ability to sell on the terms you had planned on. A few of the financial details you will want to cover include: Will there be a down payment? How much will the rent be each month? How much if anything will go toward the buyers down payment? How long before a purchase is required? Who will be responsible for taxes maintenance? What happens with a default? Spelling everything out as clearly as possible from the get-go will save you from any disagreement and frustration during the lease process and when its time to officially sell. When handled correctly a rent to own agreement is a great way for a homeowner to sell their house in Atlanta . Contact our team today to learn more about selling your property via a rent to own agreement in Atlanta ! 678-337-1165 The post 3 Steps To Selling Your Property Via A Rent To Own Agreement In Atlanta appeared first on Fresh Start Home Sales. via Blog Fresh Start Home Sales https://www.freshstarthomesales.com/7-steps-to-selling-your-property-via-a-rent-to-own-agreement-in-atlanta/

If you are in the market to buy a home in Atlanta one of the most important things you can do is keep yourself organized! When you are activelyhouse hunting things can start to run together. You might forget about negative aspects of a home while you are daydreaming about the wraparound porch. You might misplace a number or forget about an open house you wanted to see. Buying a home is one of the biggest purchases you will ever make. And buyers remorse can set in hard if you dont consider all of the details of a home. Below we have put together our favorite ways tokeep yourself organized when buying a house in Atlanta ! Get Your Priorities Straight Before you startlooking take some time to prioritize your needs. Everyone in the family should write down the things they want. Together narrow this list down to a few absolute must-haves. When you are shopping for your home keep these things in mind and dont compromise on them. This will help you to stay focused and stop you from buying a home that isnt right for you. Make a Chart Some people use Excel others are more analog and use something they can physically write on while viewing properties. The y-axis can have the property address while the x-axis will have things such as price square footage number of bedrooms number of bathrooms yard (size amp; description) year built features compsnumber of floors size of the garage the commute time etc. Keep this as a handy reference to narrow down the homes you are interested in. Take Photos Take photos of every property you see. Take lots of them. Take video if possible. You will want to reference back to these pictures when you are making your decisions. You might even find things in the pictures that you hadnt noticed in person. Pictures say a thousand words and taking several willhelp you to remember it all. Keep Contacts in Order You will meet a lot of people on your journey to buy a home. Realtors appraisers bank employees inspectors title professionals and more. Make a listthat includes everybodys name email website phone number and any other details you want to have. Having these numbers handy at all times will make things much easier for you. Make a Calendar Create a calendar that has all of your important buying and selling dates appointments deadlines bill due dates appraisal date and so on. You will have many things to keep track of and visually seeing it all on a calendar will help you stay on top of it all. If you are selling a home you will have many additional dates to keep track of. You can use an online calendar or a physical planner to keep yourimportant dates and all your notes. Its all about what works for you. Now with all this extra time you have gained from being so organized dont forget to have some fun! Imagine your new home! Envision everything you want! Pick out your new room colors find the hardware you love. You can track awesome things you see for your house as well! Then when its time to redecorate you will have all of your favorite ideas saved. This is a fun and exciting time remember to enjoy the process! Are you looking for a house in Atlanta ? We can help you keep everything in order! Find out how we can help you now! Send us a message or giveouroffice a call! 678-337-1165 The post Buying a House in Atlanta | How To Stay Organized | Fresh Start Home Sales appeared first on Fresh Start Home Sales. via Blog Fresh Start Home Sales https://www.freshstarthomesales.com/buying-a-house-in-atlanta/

Selling property using a rent to own agreement is becoming increasingly popular with homeowners in the Atlanta area! The process is underutilized and can be beneficial for both the buyer and seller when structured properly. Learn more about how to do it in our latest post! While a rent to own sale may not be the first thing you think of when selling your house in Atlanta it can be a beneficial option in the right situations! If you want to open the door to a whole new market of buyers consider the many benefits a rent to own agreement can offer you! How Does It Work? When a tenant or buyer enters into a rent to own agreement they are agreeing to pay (an often increased) rent each month for a specific period of time. There will likely be a down payment made to the owner in order to secure the contract. Once the rental period has elapsed the tenant will need to either obtain a loan to purchase the property outright from the buyer or walk away from the deal thus losing and deposit money they had invested. Term of The Contract When a homeowner and a tenant enter into a rent to own agreement there are a number of terms that will need to be agreed upon before the contract is signed. Lease Term How long will the tenant be able to rent the property before a purchase? Typically the rental period will last 1-2 years. Down Payment In many cases a tenant will make a down payment to the homeowner to secure the contract and to show good faith. While this amount wont be as high as the down payment for a traditional bank loan it should be enough to keep the potential buyer from easily backing out. Monthly Rent To some extent the seller is doing the buyer a favor by allowing them to rent before actually buying. While the process has many benefits for the seller a rent to own agreement will open the door to home ownership for people who likely wouldnt have been able to do it otherwise. Maintenance Typically the tenant will handle the maintenance of the property during the rental period. This should be discussed between the buyer and seller and detailed within the contract. Taxes The tenant will also likely take on the property tax payments. This alleviates a large cost for you as a homeowner. Credit With the deposit from the prospective buyer and the increased rent each month many agreements will state that a portion of this money goes toward the down payment on a traditional loan. What Are The Benefits? Get Your Asking Price When you use a rent to own contract to sell your house in Atlanta you will open the property up for many more potential buyers. As such there will be more interest giving you the opportunity to easily secure asking price within the terms of the loan. Higher Rent Houses under a rent to own agreement often collect a higher rent each month. While some of these funds may be used toward the tenants down payment on the home you will still be able to see great profits as well as the security of having a tenant in place throughout the duration of the lease term. Deposit If the tenant defaults on the agreement the deposit and the amount paid in rent is yours to keep. You might be back where you started but you will be there with more cash in your pocket. How Do I Get Started? To get started you will want to find the right tenants to enter into the agreement with. Draw up a contract detailing every aspect of the agreement as mentioned above. Have your lawyer review the contract to ensure everything is in order. Fresh Start Home Sales can make the entire process of offering your property via a rent to own agreement simple and profitable. Contact us today to learn more about selling your Atlanta house via a rent to own agreement! 678-337-1165 The post The New Trend In Atlanta Home Sales: Rent To Own appeared first on Fresh Start Home Sales. via Blog Fresh Start Home Sales https://www.freshstarthomesales.com/the-new-trend-in-atlanta-home-sales-rent-to-own/

First time buyers should not feel intimated by the real estate market, however, they should know what to watch out for! Buying a home is a very exciting, but one mistake could take the wind right out of your sails.

Read below to see our list of the biggest mistakes first-time buyers make so you can prepare ahead of time!

First Time Buyers Mistakes

A great way to get your asking price for your Atlanta house is by selling via rent to own agreement. Many sellers dont realize just how beneficial the process can be. Learn more about how it works and how it will benefit you in our latest post! If you have had trouble selling your house in Atlanta or if you havent been able to get an offer reflective of your asking price a rent to own sale might be an incredible option for you. If you dont need the cash from the sale immediately a rent to own scenario can be one of the most lucrative ways to sell your house. How A Rent To Own Agreement Works A rent to own agreement is entered into between a buyer and seller and can provide benefits to both parties. The buyer will agree to rent the property for a specific period of time before they purchase outright with the help of a conventional loan. During the rental period the rent will likely be higher than the market average and there will usually be a down payment made upfront. This helps to ensure the tenant wont simply walk away once the rental period has elapsed. The tenant is given 1-3 years before the purchase will need to be made. The sale price can be negotiated up from or be based on market data at the time of the sale. By agreeing on a price today youll be able to get your asking price plan for the future and continue to make a passive income over the next couple of years. Perks for the buyer: The ability to buy without a down payment The ability to buy with poor credit The ability to lock in a price for the home at todays rates The ability to try a home before committing to buy it Perks for the seller: Get their asking price Guaranteed income for the duration of the lease Cash up front Ending some holding costs for things like taxes and maintenance How To Set One Up There are many standard boilerplate agreements you can use to cover the basics. Additional terms and any other details should be added to the contract as a layer of protection. You will want to make sure you are covered if something goes awry. Before executing the final agreement have your lawyer look it over to make sure all bases have been covered. Some specifics you will want to include are: The amount paid in rent each month The amount of the down payment to be made upfront The amount of the option fee The length of the lease before the sale needs to be completed Penalties for late payments Penalties for defaulting on the agreement Tenant and landlord responsibilities for repairs taxes utilities and other ownership costs Contingencies for canceling the sale The final sale price There are many other things you can include in your rent to own agreement but the above items should be at the top of the list. Ask your lawyer agent or consultant about anything you may have overlooked in your agreement. How To Get Your Asking Price When you enter into a rent to own agreement with a buyer the sale price is typically determined at this time. Doing so will allow you to get your asking price for the home as well as locking in the sale price for the buyer. Prices could rise dramatically but they will still be able to buy at the agreed upon price. Learn more about selling via rent to own agreement! Contact us today for more info! 678-337-1165 The post Get Your Asking Price By Selling via Rent To Own in Atlanta ! appeared first on Fresh Start Home Sales. via Blog Fresh Start Home Sales https://www.freshstarthomesales.com/get-your-asking-price-by-selling-via-rent-to-own-in-atlanta/

Buying a rent to own home in Snellville Georgia will help you purchase your dream home even if you arent quite ready today. In our latest post we will offer guidance on what you can expect during the process so you dont find yourself stuck with any surprises. What do Sellers Think About Rent To Own Homes Smart sellers all over the Snellville area are discovering how selling via a rent to own contract can be beneficial for both buyers and sellers. By using a rent to own contract the seller opens up the door to all kinds of new potential buyers. In turn buyers will be able to put down roots with time to save up and restore their credit. The risks of a rent to own agreement are often highlighted but when all goes to plan the process can be beneficial for everyone involved. How It Works The terms of a rent to own contract can vary based on what is agreed upon by the buyer and seller. That said the general process is pretty standard. The buyer and seller will enter into an agreement stating the tenant will lease the house for a specific period of time purchasing the property outright once the lease is up. While any amount of time may be agreed upon the tenant will usually rent for about 2 years. This allows the buyer time to prepare financially. and get their credit in order if needed. If you arent confident you will be able to do this in the two years provided a rent to own contract isnt for you.However if you are confident you will be able to buy at the end of the lease a rent to own contract may be very beneficial for you in the long run. During the rental period the tenant will usually pay an increased rent with a portion of it going toward the down payment on the home. There will be a payment upfront to secure the tenants intent to purchase the home. If they should default the owner will be able to keep the deposit and increased rent paid. If the tenant should fulfill their lease obligation they will then be able to buy the house at the predetermined price. Most of the time prices are agreed upon before the lease is signed. This can be beneficial for you should the market go up before the sale is final. Pros and Cons While buying a rent to own property is the perfect choice for some buyers others will experience disappointment at their inability to qualify for a traditional mortgage right away. There are many other pros and cons too including The Good Youll have a sense of pride knowing that someday soon that house will be yours You will have a chance to save money and repair your credit Youll be able to begin putting down roots right away You wont miss out on the home of your dreams Youll build equity instead of just renting Locking in todays price will save you money The Bad You might be paying higher than average rent Something could go wrong with the house after you move in All in all using a rent to own contract to buy a house in market_city] can be beneficial to both the buyer and seller. Before signing any contracts make sure all the details are covered. Youll want to include contingencies in case something goes majorly wrong with the home. You dont want to be obligated to buy a house with mold problems or something similar. To learn more about buying a rent to own home in Snellville reach out to us today! 678-337-1165 https://twitter.com/RentToOwnHomAtl https://www.facebook.com/FreshStartHomeSales/ https://freshstarthomesales.blogspot.com/ https://sites.google.com/site/freshstarthomesales/ https://www.youtube.com/c/FreshStartHomeSalesSnellville http://www.pearltrees.com/freshstarthomesales https://s3.amazonaws.com/freshstarthomesales30078/index.html https://FreshStartHomeSales.business.site https://youtu.be/S18Mzr2OXLU The post What To Expect When Buying A Rent To Own Home In Snellville appeared first on Fresh Start Home Sales. via Blog Fresh Start Home Sales https://www.freshstarthomesales.com/what-to-expect-when-buying-a-rent-to-own-home-in-snellville-ga/