Buyer's Guide

Trustworthy. Knowledgeable. Professional.

Stacey Elgin combines knowledge about the area and a sensible business approach to ensure a positive, honest, and efficient transaction. 


Step 1: Research

Do you already know where you want to buy? If you want a condo, townhome, or single-family home? Which features do you like and dislike? What’s available on the market now? If you answered no to any of these questions, now is the time to start researching. In addition to looking for homes that interest you, also take note of any changes in asking prices. This could give you valuable insight into housing trends in specific neighborhoods and help you when the time comes to make an offer.


Step 2: Decide on Your Budget

Notice I said to decide on your budget—not determine how much the mortgage company will give you. In many cases, a mortgage company will pre-approve you for more than you’re comfortable spending, which is why you need to determine the monthly payment you feel comfortable with before talking to a lender. This likely includes doing a full household budget and taking into consideration what changes other than a mortgage payment will occur once you move into your new home. If you’ve lived in an apartment or with roommates, you may overlook new expenses like garbage, water, or HOA fees that could easily blow your budget.


Step 3: Get Prequalified

Just because you think you can afford a certain payment every month doesn’t mean the mortgage company will agree. Just as they may approve you for too large of an amount, they may also approve you for a lesser amount or deny you a mortgage altogether. Lack of time at a job, insufficient credit, past bankruptcies, or other financial issues can cause major problems when trying to secure a mortgage. Before you get your heart set on a home, talk to a mortgage professional to find out what amount you can qualify for. This will also be an advantage when you make an offer on a home, as some sellers won’t entertain offers from those who aren’t already prequalified for a loan.


Step 4: Choose Stacey Elgin

Can you shop for, look at, and ultimately make an offer on a home without a real estate agent? Technically yes, but why would you when it costs you nothing for an agent like me to take much of the stress off your shoulders? Not only will I help identify properties you might be interested in, arrange showings, and ultimately handle the offer process, but I also have a knowledge of the market that you don’t possess. Finding the perfect home can be a daunting task, this is where my expertise and wealth of knowledge come into play. Let me show you around some homes that meet your dream home criteria so you can find the one that's right for you.

My goal is to provide you with the most personalized service that is designed to help you buy your dream home

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Step 5: Find the Right Home

This should be the most enjoyable step of the entire process (other than moving in!). I will arrange showings of homes you’re interested in that are within your price range. Take notes about what you like and don’t like, and make sure to pay attention to details. Turn light switches on and off, open and close doors, and run the faucets in various rooms. Don’t limit your inspection to the home itself. Make sure to take time to explore the neighborhood and keep an eye on traffic at certain times of the day, the parking situation, and how close it is to necessities like schools and grocery stores.


Step 6: Make an Offer

Once you have selected the perfect home, work with your agent to craft a fair offer based on the value of comparable homes on the market. Depending on what the home is listed at and whether the current environment is a buyer’s or seller’s market, your offer may be below, at, or even above the asking price. I will be able to help you negotiate if you receive a counteroffer and reach an agreement. At this point, the house will go into escrow.


Step 7: Have the Home Inspected

In most cases, your offer will be contingent on having the home inspected to ensure there is no major structural damage or large repairs needed. I can help you arrange this, and you can schedule it within days of making an offer. If there are no major issues, the process goes to step eight. If there is, you can renegotiate your offer based on what needs to be fixed, or you can withdraw it.


Step 8: Select Your Loan

Now is the time to go back to the mortgage lender who pre-approved or pre-qualified you and choose your mortgage. You will be presented with various options based on your unique financial situation, including fixed-rate, variable-rate, 15-year, 30-year, or special programs such as VA loans or FHA loans. Work with your mortgage lender to select the option you feel the most comfortable with.


Step 9: Get a Home Appraisal

Your lender will have your new home appraised so they have their independent value of it. The appraisal is to ensure that all parties involved are paying a fair price for the house.


Step 10: Finish Paperwork

No one looks forward to all the paperwork involved in buying a home, but it’s a necessary part of the process. Fortunately, everything will be arranged by your lender and title company and, when you’re finished, you’ll know you are the legal owner of your new home.

Trustworthy. Knowledgeable. Professional.

Stacey Elgin combines knowledge about the area and a sensible business approach to ensure a positive, honest, and efficient transaction. 

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My husband and my experience with Stacey was amazing. She made an otherwise stressful process calm and seamless. Through the entire home buying process, we really felt like Stacey had our best interest at heart. During the search process, she quickly learnt our style and what we did and didn’t like; based on which she found homes for us to view. That was something we really appreciated. Stacey also has a good eye for design and can quickly assess what features add or subtract value from a home. During the due diligence phase, Stacey recommended a very thorough inspector and walked us through the entire process. She was also extremely organized during the close process and ensured it went smoothly. I’d recommend Stacey for all homebuyers and especially to first time homeowners like us.
Stacey's experience of the Atlanta market was extremely beneficial. In today's dynamic market, her knowledge and expertise really helped me feel comfortable throughout the decision making process. She listened to what my needs were and found me the best house that met all of my needs. Stacey invested a great deal of time during the search process and helped me weigh the pros and cons on each property. Once I found a house, she went above and beyond to ensure we stayed on track; in fact, her persistence, knowledge and great negotiating skills led to an early closing. Every step of the way I always felt that Stacey had my best interest in mind. Not only would I use her again, but I would recommend her to anyone looking to buy a home in the Atlanta area.
Stacey was a great asset to have on our team! She was with me every step of the way in our first home purchase and was reliable in checking every detail. It was great to have her as we looked at several houses before choosing our home and was very helpful in aiding in our decision making. When we found our home, we collectively knew it was the one, and there's no better feeling during the process when you know you've found your home. She was diligent in negotiating our offer and counteroffer and was transparent during the process, making our lives easier. Very thankful to have worked with Stacey!
Selling your house creates allot of stress in your life, you need an experienced, energetic and responsive sales representative. Stacy Elgin has acquired all those traits, but also keeps commitments, and timelines. Making sure I completed all necessary paperwork had left no loose ends and ensured a very smooth process from the purchase and sale to the final closing. She always kept me informed either thru emails, texts or calls. There were no surprises. I appreciated her weekly reviews, her honesty and patience.
Stacey has assisted us with the purchase of a condominium and home in North Atlanta. We were extremely pleased with both sales and Stacey's knowledge of the real estate market, awareness of our goals, and management of the negotiations and closing made both experiences highly positive. Her guidance and collaboration were very much appreciated. We fully recommend her and will work with Stacey on any future real estate decisions!
Buying a home is so exciting, and not as easy as we think sometimes. You need the help of a great Realtor®, like Stacey. We may know what we want, and even the area of town, but things can get complicated fast and you want Stacey on your side to calm the storms and step in on your behalf if it happens. She gives great advice, too! Highly recommend her for your next purchase or your first one!

Work With Stacey

Stacey Elgin is a keen negotiator with the ability to deliver bottom-proven results for clients, customers, and colleagues. Contact her today to find out how she can be of assistance to you!

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