Maximum One Greater Atlanta Realtors
Renee Atkins Cagle
 

HUD Homes Checklist

Why consider buying a Georgia HUD home listed for sale? You can purchase an Atlanta HUD home for as little as $100 down as owner occupant and 100% financing. A HUD home is simply a home that previously has PMI (Private Mortgage Insurance) on it through FHA (Federal Home Administration) and the previous owner defaulted on the loan and FHA repossessed the property.

Purchasing a HUD home in metro Atlanta Georgia benefits you in several ways. There are hundreds of homes to chose from, inspections and estimates for repairs have already been estimated, sales prices and loan settlement terms and fees have been resolved prior to the home being listed for sale, and you may qualify for having most or all of your closing costs paid up to 3% of the sale price of the home. HUD will also allow you to finance some or all of the repairs to the property into your loan amount.

CHECKLIST OF WHAT YOU'LL NEED BEFORE MAKING A BID ON A HUD OWNED FHA INSURED HOME:


A. Credit score of 620 or better to qualify for a FHA loan with the $100 down payment. If your credit score is 580-619, then you will need 3.50% down payment for a FHA loan. If your score is below 580, then please contact me since I have credit repair specialists and lenders with whom I work that can guide you in raising your credit score.

B. Pre-approval letter on bank letterhead for the purchase amount
C. $1,000 in certified funds or money order for earnest money deposit
D. Approximately $250- $300 to purchase your own home inspection should you choose to do so
E. 45 days to close from the contract acceptance date

Contact me at 678-858-5368 or caglerenee@bellsouth.net for details today. I will represent your interest exclusively as your buyer's agent for a HUD home. The listing agent on the sign only represents the Seller. There is no fee to work with me as your Buyer's Agent. I represent home buyers in Paulding County, Cobb County, Bartow County, Cherokee County, & Douglas County, GA.

Quick Search

$
$
 

Email Agent

Enter your email address and I'll reply as soon as possible.

 

Newsletter

Sign up to receive my monthly newsletter right in your inbox.

 

What my clients are saying  

Renee was phenomenal! She is full of market knowledge and was able to assist me in every aspect of the buy including home improvement options and companies to work with. Her communication was awesome! Whether it's through phone call, text message, or email she was very responsive day and night. I couldn't recommend Renee enough! If you need to buy or sell, call Renee!

 

~ Michael Clayton

I first called Renee in 2009 when I considered buying my 1st home. She took time to answer all my questions & suggest steps for credit. I called her 2 years later when I was ready & she helped me with my 1st home. I called her again in 2018 to sell my home & buy my 2nd home. She worked with me to price my home competitively & I was under contract the 1st week. She helped me find a new construction home that fit my budget & needs. Finally, I called Renee in 2022 when I needed to relocate for work. Once again she worked to make sure my home was show ready & priced competitively. The home was under contract 3rd day (had multiple offers too). She went above & beyond for me. She came to the house after I had moved to meet a junk removal company & she grabbed my mail & mailed it to my new address. She was available anytime I needed her to answer questions & made sure I fully understood the process. If I ever move back to GA, Renee will be my first call. She is an amazing agent!

 

~ Rob O'Dell

Renee has helped me with 4 primary home purchases and 13 investment homes. Renee knows the market and is very professional. I will continue to use Renee as my realtor and highly recommend her.

 

~ Victoria A

My recent home buying experience with Renee as our agent was exceptional! Within the first few minutes of our initial meeting I could tell she has a great deal of experience in the housing market. The major difference between Renee and other agents I have dealt with in the past, is her knowledge of construction as well as design. She can talk to my wife about color schemes and design ideas then switch gears to explain how shortcuts were taken during an earlier remodeling project on the house. I also appreciated and respected the fact that Renee will tell you what you NEED to hear not necessarily what you WANT to hear. She makes sure you have all the information you need to make a smart decision. If we ever do buy or sell another house, we wouldn't think of using anyone but Renee.

 

~ Mark Ford

My family has absolutely the highest confidence in Renee and would never consider working with any other realtor! She knows real estate in and out. We have worked with her on five home transactions over the past 20 years (has it really been that long?!?) She is just the best!

 

~ Wanda S

I just wanted to send this email to tell you thank you so much...you have no idea how much this means to us and I'm glad that we chose you as our real estate agent. Without you I don't think we could have found our new home. So from the bottom of my heart I want to thank you so much!

 

~ Theresa & Danny M

I can't say enough about the pleasure I had dealing with and learning from Renee Cagle. She personally had shown me over a dozen houses when "the one" came on the market. Renee was the right agent with the experience and knowledge to put together an appealing offer (which was accepted) in less than 24 hours after first looking at the house. She is a woman of limitless energy with vast market knowledge who sets realistic expectations and always follows through. Her knowledge of home design and construction techniques, make house shopping a pleasurable and educational experience. She was able to find me exactly what I was looking for, in a great part of town, for an excellent price. Thank you Renee, I wouldn't have been able to do it without you!

 

~ Myra Smith

Thank you so much for all your hard work and helping us sell this house! You've been an absolute joy to deal with and I'll recommend you to anyone moving in the area.

 

~ The Michna Family

I just wanted to take the time to say thanks for all the work you did for us. I know it was a tough sale, but I appreciate you being a pro & hanging in there. If I hear of anyone looking for an agent, then I will pass along your contact info.

 

~ Terry Sturgeon

More Reviews

Want to Know How Much Your Home is Worth?

Get Your FREE Home Market Analysis Report Right Now!

YES, SHOW ME NOW