Atlanta, NE Atlanta and Gwinnett real estate and homes for sale in Georgia - Debra Davis, REALTOR® Debra Davis REALTOR(r) for Atlanta, NE Atlanta and Gwinnett, Georgia real estate - NUMBER1EXPERT™ Debra Davis NUMBER1EXPERT(tm) for Atlanta, NE Atlanta and Gwinnett, Georgia real estate
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Debra Davis, REALTOR®, real estate agent and broker for Atlanta, NE Atlanta and Gwinnett Georgia home listings, property and land for sale - NUMBER1EXPERT(tm)
Call me to help with all your real estate needs. I can help with your first home, investment homes or your retirement home. Call me: 770-238-0277









Debra Davis (RE/MAX Greater Atlanta): Real Estate Agent in Grayson, Gwinnett County, Georgia


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Real Estate Tips
Closing or Settlement >The Settlement

The final stage of a home sale transaction is the time to tie up all the loose ends. The buyer and seller will sign the settlement sheet at the closing, detailing all of the charges that each party has incurred during the sale of the house. It is crucial to go over the sheet for accuracy and to make sure that you understand everything on it before you complete the transaction.

When a contract is negotiated, each side agrees how to divide the loan fees (or points), as well as the other closing charges, such as state or local taxes or escrow fees. Your real estate agent can go over the settlement sheet and help you compare it with your purchase agreement. The seller's charges usually include the brokerage fee, the mortgage payoff, and any charges involved in clearing the title, as well as pro-rated property taxes, payments for termite treatment and escrow for repairs that could not be completed by closing. The buyer's costs include charges for the loan and title searches, insurance and any other legal fees. A good closing officer will go over the settlement sheet line by line, explaining each item and correcting any misplaced charges.

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Real Estate Trivia
Q 
What does the abbreviation PITI stand for?

A 
Principal, Interest, Taxes and Insurance are the four major items included in a monthly mortgage payment.
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Debra Davis, REALTOR®, real estate agent and broker for Atlanta, NE Atlanta and Gwinnett Georgia home listings, property and land for sale - NUMBER1EXPERT(tm)

Debra Davis, ABR, CRS, GRI, SRES, E-Pro
RE/MAX Greater Atlanta

1585 Holcomb Bridge Road
Roswell, GA 30076
Phone: 770-238-0277
Fax: 678-301-3741
Email: debra@findatlantahomes.com

Debra considers herself a native Georgian, having been born at Ft. Benning and living in LaGrange for 23 years and now Atlanta for 10 years. She did live in others states while her father was in the Navy for 22 years, but Georgia is HOME. Knowing the warmth and hospitality of the people in the south and loving the architecture and landscape with beautiful trees, she wants everyone to love living here just as she does. That’s why she is totally committed to finding the right home or investment property for her clients. Her commitment, professionalism, honesty, knowledge of the market and her desire to educate the client about the process, are some of the reasons so many of her clients refer their family and people they care about to her for their real estate needs. . Debra has a wonderful husband, Richard, who is always there for her whenever she needs help with her computer system. Her parents still live in LaGrange and love knowing she is helping other people with a decision that is not only a financial transaction, but involves major life changes and decisions that translate into many changing emotions. Her son Morgan and his beautiful wife Marianne have given her two precious grandsons, Johnathon and Thomas, who are undoubtedly the smartest and cutest grandchildren in the world. She is definitely not prejudiced. Debra’s drive to be the best she can be for her clients, has led her to earn many real estate advanced designations such as Certified Residential Specialist, Graduate Realtor Institute, Accredited Buyer Representative, Real Estate Cyber Specialist, and Senior Real Estate Specialist. During her free time Debra loves to go antiquing. She paints in watercolor and oils and has a newfound love in china painting.

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