Buyer Basics

Buying with Ligas & Co. is as Simple As…

    • Determine your budget:

      • Calculate how much you can realistically afford. Consider your income, debt, and monthly expenses.

      • Get pre-approved for a mortgage. Ligas & Co. will supply you a list of reputable lenders. Regardless of who you choose, you will gain a clear understanding of how much a lender is willing to loan you.

    • Save for a down payment and closing costs:

      • Down payments can vary, but aim for a comfortable amount. Talk to us to discuss different possibilities

      • Factor in closing costs, which typically range from 2% to 5% of the purchase price. Closing on a home is more than a down payment and a mortgage. Talk to us to learn more about Cash to Close.

    • Check your credit score:

      • A good credit score is essential for securing a favorable mortgage rate.

      • Address any errors or issues on your credit report. Ask us about credit repairing programs offered by our partners.

    • Define your needs and wants:

      • Ligas & Co. challenge you to think about your preferred lifestyle, family size, and preferred location.

      • We also love you to have an idea of must-haves and nice-to-haves in a home.

    • Hiring Ligas & Co.:

      • Ligas & Co. will guide you through the process, negotiate on your behalf, and provide valuable insights into the local market.

      • Ask Ligas & Co. about local insights in the areas where you wish to buy in.

    • Start your home search:

      • Setting up a customizable and personalized search.

      • Be patient and persistent; finding the right home may take time. Take time to ask us questions.

    • Make an offer:

      • Work with Ligas & Co. to determine a competitive offer based on market conditions and the property's value.

      • Ligas & Co’s unparalleled negotiate skills have your goals top of mind. You can rest assured that we are fighting for you.

    • Conduct a home inspection:

      • Ligas & Co. have a plethora of different types of professional inspectors that can identify any potential issues with the property.

      • Ligas & Co will work with you to guide and advise you throughout the inspection process.

    • Secure your mortgage:

      • Ligas & Co. work with top rated lenders that will answer any question, provide 5-star service, and guide you through the lending process with the same commitment we give our clients.

    • Close the deal:

      • Attending the closing meeting, sign the necessary paperwork, and receive the keys to your new home.

      • We work and you Celebrate! We promise to be a trusted partner long after you close. This is a commitment to continue to serve you and our community in any way possible.

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Get the Buyer’s Guide to the Galaxy

Cover of a book titled 'Buyer's Guide to the Galaxy' by Ligas & Co. with space-themed graphics like constellations, planets, and a comet on a white background.

 Homestead Exemption

  • A: This is a discount in real estate property taxes available to homeowners who apply for this benefit on their primary residence by the April 1st deadline.

  • A: To be eligible, an individual must be the legal owner and occupy the property as their main living primary residence from January 1st of the year they seek the homestead exemption. It's important to note that eligibility persists even if the application was not submitted in prior years. Additionally, counties will verify the homeowner's vehicles are registered at the same address.

  • A: No, once granted, the exemption typically continues until the property changes hands.

  • A: The application process for the homestead exemption can differ by county and some cities might have their own specific requirements. It's advisable to consult your city tax office as well. While historically applications were made in person, many local governments now offer online application options or information on their websites about how to obtain forms and understand the various submission methods available.

     

    Homestead Exemptions are available to homeowners who qualify in all 159 Georgia counties. The homeowner needs to apply with the local Tax Assessor’s office and should search for their county’s site for more information about filing for homestead.