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Countrywalk Coursey Place Court House Area COURTLAND Covered Bridge COWART Cranston Bluff Crawford Crawford at Doctors Creek Crawford Ward CREEKRIDGE Creekside CREST HILL GARDENS Cromwell Place Cross Creek Crossgate Crossgate Subdivision Cumberland Harbour Cumberland Point Cumberland Point Subdivision Cutters Gap Cypress Cove Cypress Creek CYPRESS LAKES PH II DASHER'S LANDING DAVIS WARD Deeer Pond Acres DEER CREEK Deer Run DEERWOOD SUBDIVISION DEKLE RD DEMERE WARD Demeries Lake Derenne Plaza Derenne Plaza Condominium Derenne Terrace Derrenne Terrace DESOTO BEACH CLUB DeSoto Beach Club Condo DEVON HILL Dolphin Island Drake Landing Drake's Landing Duncan Ward Dundee Dundee Ward DUNHAM MARSH Durham Park Durham Park Townhomes DUTCH ISLAND DUTCH ISLAND PHASE 12-A Dutchman's Cove Dutchmans Cove DYCHES SUB PEEPLES WARD E 1/2 LOT 24 Washington Ward EAGLE NECK EAGLE NECK/WINDMILL PLANTATION EAGLE POINT Eagle Pointe Eagles Landing Eagles Landing Subdivision EAGLES NEST East Broad Place East Broad Place Condo CPB EAST CHASTAIN PARK EAST CHASTAIN/ BUCKHEAD East Pines EDGEMERE Edgewater Oaks EDGEWATER PARK Eleanor on Whitaker Ellabell Area Elwood Emerald Plantation Emerald Point lot 12 Emerald Pointe Subdivision Enclave English Acres Estill Hammock Estates Fairhaven FAIRINGTON Fairway Oaks FALIGANT SUB TALAHI ISLAND Fancy Hall FARR FELLWOOD & LINCOLN fennell Ferguson Heights Fiddler's Crossing Fiddlers Crossing FITZGERALD WD ARGYLE Five Mile Post Fleming FORD PLANTATION Forest Acres FOREST COVE SUB PHASE 3C FOREST HEIGHTS Forest Hills FOREST LAKE ESTATE Forest Lakes Forest Ridge Forrest Cove Forrest Hills Forsyth Parkside FORT MCALLISTER FORT MORRIS Fort Screven Fort Screven Villas Fort Screven Ward Fox Chase Foxbow Farms FRASER ST FREIDMAN WARD FRIEDMAN CARVER Frogtown Condominium Assoc Frogtown Condominiums GA Plantation Gamble GARDEN ACRE ESTATES GARDEN ACRES Garden Acres Estates GARDEN CITY Gardens on Jones GARMANY GARMANY LANE SUB ISLE OF HOPE Garrard Ward Gateway Village GEECHEE PINES George Town Town Homes Georgetown GEORGIA PLANTATION GILLIAM PARK GLATIGNY WARD GLEASON HEIGHTS Glenlea Glenwood Grove GLYNWOOD Godley Park GOLDEN ISLES Gordon Ward Gordonston Goshen Villa Goshen Villas Governor's Ridge Governors Quarter Governors Quarters Gravel Hill Subdivision GRAY Gray's GRAYS SUBDIVISION Grayson Ward Greenbriar GREENWOOD GRENOBLE HILL GREY OAK TOWNHOMES Greystone at Pine Barren Plant Griffin Lakes GRIFFIN WARD GRIMBALL PARK ANNEX GRIMBALLS POINT GROVE HILL Grove Hill Island Grove Hill Plantation Groveland Groveland Nevils Gue Ward Guyton Woods Habersham Woods Halcyon Bluff Halcyon Estates Half Moon HALF MOON PLANTATION Half Moon River Half Moon Subdivision HALFMOON RIVER Halfmoon Villas Hamilton Grove Hamilton Grove @ Savannah Quar Hamilton Grove at Sav Qtrs Hamilton Grove at Savannah Qrt Hamilton Grove at SQ Hampton Place Hampton Place @ Berwick Lakes Hampton Place at Berwick Lakes Hampton Place/ Berwick Lakes Hampton Square HARBOUR CREEK HARDEN WARD Harmony Harmony Townes Harris Trail Complex HARRISON HEIGHTS Harrock Hall - Cinder Landing Hattie Youmans Hawthorne Subdivision HAYLEY'S COVE HEATHERWOOD HEATHROW RH PLANTATION Hectors Bluff HECTORS BLUFF S-D 2 HENDERSON HENDERSON AT ISLE OF HOPE HENDERSON COMMUNITY Henderson Golf Community HENDERSON PLACE CONDOMINIUMS HENDERSON S/D OF ISLE OF HOPE Henderson Townhomes Henry Street Condos, LLC Henry Way HERB RIVER BEND Heron Crest Heron Point HERON WATCH Hester Ward Avon Park Hickory Bluff Hickory Hill Hickory Hill Estates Hickory Hill Plantation Hickory Knob Hidden Creek HIDDEN LAKE TOWNHOMES HIDDEN PINES Hidden Pointe Townhomes HIGHLAND CROSSING HIGHLAND FALLS HIGHLAND PARK Highland Pointe Highlands Crossing Highlands Crossing Townhomes Historic District Historic Landmark District HISTORIC SAVANNAH Holly Cove Holly Oaks HOMEFIELD Homestead Park HONEY RIDGE HONEY RIDGE ESTATE Honey Ridge Estated HONEY RIDGE ESTATES HONEY RIDGE PLANTATION HOOVER CREEK Hoover Creek Plantation HOPE CREEK Hornstein WD Horse Pen Hammock HORSE PEN POINT HORSEPEN POINT Hulin and Jenkins Ward Hulin and Jenkins Wards Hunt CLub Hunter's Ridge Hunters Chase Hunters Green Townhomes Hunters Ridge HWY 144 HWY 144 South HWY 67 NORTH INDIAN BLUFF Industrial city gardens Industrial Gardens ISLAND CREEK ISLANDWOOD Isle of Hope ISLE OF WIGHT Jackson Woods James Stewart JAMES VILLAGE JAMESTOWN Jasmine Court JEFFERSON ROW Jerico Lakes Jerico Sec Lake George Johnson Woods Jones at Whitaker Jonesville KARP WD BREWTON KATE'S COVE KATES COVE KEHOE WARD Kelly Ward KENDALL SHAYS Kensington CR Kensington Forest Kensington Park KENTWOOD Kevin Michael Rahn KING Kings Court KINGS GRANT KINGS GRANT GEORGETOWN Kings Wood Kingsgrant Kingston at Buckhead Kingston at Buckhead North Kingston Subdivision Buckhead KINGSVILLE WRIGHT WARD KINGSWOOD KINSALE Kinsale Bluff Knightsbridge KNOB CREEK Knollwood Townhomes Kristin Place L & B Subd L & B Subdivision LAKE ELMHURST LAKE GEORGE LAKE HEIGHTS Lake Shore Lake Shore phase 3 LAKE SIDE AT RICE HOPE Lakes at Black Creek Lakes of Cottonvale LAKESHORE LAKESHORE VILLAGE Lakeside LAKESIDE @ RICE HOPE LAKESIDE AT RICE HOPE PLANTATI Lakeside Farms LAKESIDE RICE HOPE PLANTATION LAKESIDE SUB PHASE 1A LAKEVIEW Lamara Heights Lamara Heights Wise Ward Lamarville LANCASTER ESTATES Lancaster Tract LANDINGS LANDINGS ON SKIDAWAY ISLAND Landmark Historic District Larchmont LARGO WOODS Laurel Croft Laurel Green LAUREL GROVE Laurel Heights LAUREL MILL Laurel Oaks Laurel Pointe Laurel Wood LAURELWOOD LEE OLIN HEIGHTS HORNSTEIN WD LEE WARD LEEDS GATE Leedsgate Legacy Square LEON BRAUN SUB II Lester Ward Avon Park Lexington Liberty City Liberty Park LIBERTY PARKWAY Lighthouse Landing LIGHTHOUSE POINT BEACH CLUB Lincoln Estates LIONS GATE LITTLE NECK PLANTATION Live Oak Lonesome Oak Lonesome Oak Phase 2 Long Acre Estates Long Acres Long Point LONG POINT PLANTATION Lonsome Oaks Lorwood Lost Plantation Lost Plantaton LOT 1 HIDDEN POINT SUBDIVISION LOT 10 NICHOLSONVILLE SUB LOT 107 SKYLAND TERRACE LOT 113 PARKSIDE AT RICE HOPE Lot 14 Orchid Isles East LOT 14-17 SUMMERSIDE Lot 186 Princeton PH VI PS LOT 1960 THE LANDINGS ON SKIDA Lot 261 Ford Plantation PH 3C Lot 26A Ward 3 Tybee Island LOT 284,285 WARD 4 TYBEE Lot 3, Orchid Isles Townhomes Lot 30 and 'East one-Half of l LOT 3115 THE LANDINGS SKID.IS. LOT 374, PHASE 3, WILSHIRE EST LOT 4, ZIPPERER PLACE SUB LOT 41 RIVER OAKS SUB PH 1 lot 485 Lake Shore Phase 2 Lot 5 Buckhead Dev. PS421:6 Lot 61 Phase D Windosr Forest LOT 67 COFFEE POINTE SUB LOT 71 PS 574/4 THE BLUFFS LOT B RECOMBINATION OF LOTS 25 LOT III Live Oak Development LOT228 THE LAKES AT COTTONVALE Lot92 Stonebridge Sub Ph 3 SMB Lots 97&98 Telfair Ward S. LOTTS LANDING Lovell Ward Low Ground Road Farms LOWDEN PLACE BUILDING LT 419 Wilm Pk PH 8 PT1 LT 86 KINGS GRANT SUB Lt B Lew Ayres Sub Wilmington Lyman Hall Lynhurst Madison Oaks Magnolia Creek Landing Magnolia Creek Plantation Magnolia Gardens Magnolia Landing Magnolia Park MAIN STREET Mainstreet MAJESTIC OAKS Mallard Pointe Mallard Village MANOR EST MANOR ESTATES Marsh Creek Marsh Habour Marsh Harbor Marsh Harbour MARSH OAKS MARY L . CAINES MAYER Mayer Plantation Mayfair McGregor at Buckhead North McGregor Buckhead North Meadows at Willowpeg MEINHARD Melrose Mendel-Wessels Place MENDELVILLE MERCER POINT Mercer Point Condos Merchants and Mechanics Sub. MERCHANTS WHARF Merritt MERRITT AT WHITEMARSH METTS WD SPRING HILL Meyer Ward MEYERS WARD MILL CREEK MILL HILL Mill Run Mills Creek Subdivision MILLS RUN MISTWOODE Modena MODENA ISLAND MODENA ON SKIDAWAY ISLAND Modena Plantation Mohawk Lane Townhomes Montclaire MONTEVILLE ON THE SAVANNAH Montgomery Hall Condominiums MONTGOMERY STATION Moon River MOON RIVER BAY Moon River Landing MOON RIVER THE LANDINGS MOON RIVR LANDING Morgan Pines MORRIS PLANTATION Morrison Moss Grove Mosswood Mulberry MURPHY WARD MYRTLEWOOD N/A Nathaniel Greene NEW BROUGHTON Newkirk NEWPORT Newport Phase 4 News Place News Place Condominiums NICHOLSON WOODS NONE North Buckhead North Beach Cottages Northwave Northwest Woods Norwood Oak Crest Oak Island Estates OAK LANE Oak Pointe Oak Ridge Estates OAKDALE Oakhurst Oakland Estates OAKRIDGE Oakwood OAKWOOD ESTATES Oceanside Dunes Oceanview Condominiums oemler pointe OFFSHORE OGEECHEE FARMS Ogeecheeton Oglethorlpe Place Town Homes Oglethorpe Park OGLETHORPE PLACE OLD COLONY OLD MILL ESTATES OLD SOUTH Old South Phase I Olde Mill Village Condominium Olde Towne OLDE TOWNE WHITESVILLE PL Oliver Ward Olmstead Estates ONE WEST JONES ST CONDOMINIUMS Orchid Isles East Osprey Lake Plantation OTTAWA ESTATES Owens Owens Ward OXFORD OXFORD HALL OYSTERHOUSE P-41 PADDLEFORD Pade LFord Ward Padelford Ward PALM BAY PALM ISLAND Palmer Place PALMETTO BLUFF PALMETTO COVE Palmetto Row PARADISE PARK PARADIST PARK Parish Crossing Park Place PARK WEST PARK WEST AT CARRIBEAN VILLIAG PARKERSBURG Parkersburg Isle of Hope PARKERSBURG SUB=ANNEX 2 Parkside Parkside @ Rice Hope Parkside at Rice Hope PARKVIEW Parkway Place PARKWOOD PARRISH SUBDIVISION Parsons Patriots Point PAXTON HEIGHTS Pembroke Place Penn Station PETERS QUAY PICKET FENCES PIER WALK Pierce Field PIERCEFIELD Piercefield Forest Piercefieldd Forest Pierpont Ward Pine Barren Acres Pine Forest Pine Garden Pine Gardens Pine Haven PINE VIEW Pinecrest Pinehurst Pinehurst Sheehan Ward Pineview PINEWOOD ESTATES PLAMETTO BLUFF Plantation Planting Hammock Pleasant Hill Polk Poplar Heights Poplar Place Powell Estates PRIESTER ESTATES Prospect Park Pulaski Ward Purse Ward PURSE WARD VILLA HEIGHTS Quail Hamlet Quail Hollow Quail Run Townhouses QUEEN'S COURT Raindance at Pine Barren RAMSEY LANDING Rancho Santa Fe RAVEN Ravenwood Red Bird Creek Redbird Creek REESE PINES REGAL CROSSING Residences on Forsyth RH Plantation rice creek Rice Hope RICE MILL Rice Mill Plantation RICHMOND HEIGHTS RICHMOND HILL PLANTATION Richmond Hill Plantation Madis Richmond Place Ridge Crest Ridgecrest Ridgewood RIDGEWOOD PARK AT WATERWAYS RIO VISTA Rio Vista Burnside Island RIVER BEND River Bluff River Crest Plantation River Homes of News Place West RIVER OAKS RIVER POINTE TOWNHOME RIVER POINTE TOWNHOMES River Road Farms RIVERCREST Rivercrest Plantation Rivermoor Villas RIVERS BEND Rivers End RIVERSIDE Roach Ward Roberts Subdivision Rodewolt Rose Dhu Rose Dhu Marsh Rose Farm ROSE HILL Rosedew Rossignol Hill ROYAL OAK Royal Oaks RUNAWAY PT RUNS CROSSING Rushing Station RUSHING STREET Rye Patch Horse Farm S.bridge at Berwick Plantation SADDLE BROOK Saddle Club at Belmont Glen Saddlebrook Saddleclub at Belmont Glen Saint Ives Saint James Place Salt Creek Salt Creek Landing SANDPIPER CONDOMINIUM Sandy Shores Sandy Springs Buckhead Sandy Springs Buckhead North Sandy Springs, Buckhead SANDY SPRINGS@BUCKHEAD NORTH Sangrena Woods SAPPHIRE ISLAND Sarah L. Garmany SARANAC SAUSSY WD Savanah Gardens Savanna Beach & Racquet SAVANNAH BEACH & RACQUET Savannah Beach & Racquet Club SAVANNAH BEACH AND RACQUET Savannah Beach and Racquet Clu Savannah Gardens Savannah Highlands SavannahBeach & Racket Club Scarborough Cove Scottsdale SEA BROOK WARD SEA VILLAS Seabrook Island Seabrook Ward Seascape SEASCAPE SUBDIVISION Seaside Colony See Exhibit "A" SESSOMS WARD SETTLEMENT EAST Settlers Point SHADOW MOSS Shadow Moss, North Buckhead Shadow Oaks Shadowbrook Shady Oaks Shady Oaks Townhome Lot 20 Sheftall Landing SHEFTALL ON THE MARSH SHERWOOD FOREST SHIPWATCH DUNES Silk Hope SILVERWOOD Silverwood Plantation SKIDAWAY ISLAND SMB 355-21-02-AC Smiley Hall SMILEY HALL PLAT M13-1 SMILEY WOODS Somersby South Beach Ocean Condominium South Beach SOUTH BEND South Effingham Plantation SOUTH EFFINGHAM WOODS South Harbor South HLF Lt 66 Cann Ward South Oaks Place SOUTH WD SOUTHOVER SOUTHBEND Southbridge Southbridge At Berwick SOUTHBRIDGE AT BERWICK PLANTAT Southbridge Golf Community Souther Hills SOUTHERN HILLS SOUTHERN HILLS PLANTATION Southern Woods Southern Woods at Rice Mill Southern Woods Marsh Side Southernland Southside Heights Southview SPANISH HAMMOCK SPANISH HAMMOCK DUNES Spartina Landing Spring Branch SPRING LAKE Spring Lakes Spring Lakes at the Highlands Springfield Plantation Springfield Terr St. Catherine's Commons St. Ives St. James Place ST. MATTHEWS PLACE Staffordshire Staffordshire Estates STARLAND Starland Design Center Steeple Chase Steeplechase STEFFEN WOODS Steffen Woods Estates STERLING CREEK Sterling Creek Plantation STERLING LINK Sterling Woods Stevens Wd Stiles Ward Stone Lake Townhomes STONEBRIDGE Stonegate Stonehenge Stonelake Townhomes Stonewalk STRATHY HALL STRATHY HALL 2 Strathy Hall II STRFFEN WOOD ESTATES Sugar Hill SUGAR MILL Sugden Ward SULIGRES Summer Hill Summer Hill @ Mainstreet SUMMER HILL AT MAIN STREET Summer Winds Summerfield at Eagles Landing Summerside SUMMERWIND Sunset Place Sunshine Sutherland Bluff Planation SUTHERLAND BLUFF PLANTATION SWEET BAILEY COVE Sweetwater Station SWEETWATER STATION PH 1 SYMONS Tabby Village TALAHI ISLAND Talahi Lake Talihi Lakes Tanglewood Tatemville Taylor Place TEAL LAKE TELFAIR PLACE The Abbey The Arbors The Arbors @ Godley Station The Arbors AKA The Villages at The Arbors at Godley Station The Arbors in The Villages The Battery at Rice Creek THE BLUFF THE BLUFF AT BELLE ISLAND THE BLUFF AT KATE'S COVE THE BLUFFS The Bluffs at Richmond Hill The Colony at Georgetown THE COTTAGES AT CAUSTON BLUFF THE COVE The Cove at Newport The Crossings The Enclave THE ESTATES AT FOREST LAKES The Estates at Grove River The Estates on Grove River The Fairways at Sav Quarters The Farm The Farm at Morgan Lake The Farm at Morgan Lakes The Farm At Morgan LakesT The Ford Plantation THE GATES @ SAVANNAH QUARTERS THE GATES AT SAVANNAH QUARTERS THE GRAHAM The Grove @ Brighton Woods The Grove at Brighton Woods The Grove@ Brighton Woods The Hunt Club THE LAFAYETTE The Lakes at Black Creek The Lakes at Cottonvale The Lakes of Cottonvale The Landings THE LANDINGS SKIDAWAY ISLAND THE LANDINGS OF SKIDAWAY IS The Landings of Skidaway Isl THE LANDINGS ON SKIDAWAY The Landings on Skidaway Is The Landings on Skidaway Isl The Landings on Skidaway Islan THE LANDINGS ON SKIDWAY ISLAND The Landings Skidaway The Landings Skidaway Is THE LANDINGS SKIDAWAY ISLAND The Landings, Savannah, GA THE MARSHES The Merritt at Whitemarsh Cond The Plantation at Buckhead THE POINT THE POINT AT SUNBURY THE POINTE AT SUNBURY THE RESERVE AT SAVANNAH HARBOR The Retreat at Forest Lakes The Retreat at Rice Creek THE RIVER HOMES OF NEWS PLACE THE SANCTUARY The Settlement East The Settlement The Landings the shadows of plantation oaks THE TONDEE OF SAVANNAH CONDOMI THE VILLAGE AT SUNBURY THE VILLAGES AT BERWICK The Villages at Godley Station The Villages at Godley Village The Villages At Limerick The Villages of Berwick The Woodlands at Southbridge THELANDINGS Thomas Ward Thompson Thorpe Ward THUNDERBOLT Tiffany Terrace TIMBER RIDGE TIMBERLAND GAP Tivoli Marsh TONDEE OF SAVANNAH Townelake Townhomes at Waterford Landing Tract Marsh & Hammock Harmon T Tranquilla Hall TRANQUILLA HALL, PH 2 BUCKHEAD Tranquilla Woods TREMONT PARK TUPELO LANDING TUPELO WOODS Turner's Rock TURNERS COVE Turners Cove SUB Turners Rock TURTLE HILL Turtle Hill / Turtle Landing Turtle Landing Tuskasee King Twickenham Trace Twin Rivers TYBEE TYBEE ISLAND Tybee Lights TYBEE TRACE Unit 204 Sea and Breeze Club Unit 226 Sea and Breeze Club Unit 4 Towne Park Pooler, Unit D Liberty W. Condominium Vacant Acreage at Old South VERNON RIVER PLANTATION Vernonburg Vernonburg Retreat Veronburg Vickers Hill Victoria Oaks Victoria Place Victory Heights VILLAGE @ TOWNE PARK Village at Autumn Lake Village at Kingsley Village Crossing VILLAGE GREEN Village Green Sub PH IV SMB 17 Village Green Townhomes VILLAGE OF WILD HERON Villages at Berwick VILLAGES AT VALLAMBROSA Villages of Spring Lake Villages of Valambrosa Villages of Vallambrosa VILLAGES OF WILD HERON Villages on Marne Villas of Garrard Vista Point Wagner Heights Wakefield WAKEFIELD PLANTATION WALTHOUR WALTHOUR SUB WALTHOUR WILMINGTON ISLE Warner Field WARNER FIELDS Warsaw Bluff Warsaw Bluff Condos Washington Ward WATER WAYS TOWNSHIP Waterfield Waterfield Subdivision WATERFORD Waterford Landing Waterford Landing Townhomes WATERWAYS TOWNSHIP Wau Bun Woods Sub Waverly Waverly Cove WEATHERWOOD Wedgewood WEED WARD Weisenbaker Way Wellington Oaks WELSYN PARK TOWNHOMES Welwood Weslyn Park WESLYN PARK TOWNHOMES West Savannah Westbrook Westbrook @ Savannah Quarters Westbrook at Savannah Quarters Westbrook Villas @ Sav. Quars. Westbrook Villas at Sav Qtrs Westbrook Villas at SQ Westchester WESTERN MCGOWAN TRACT WESTVIEW WESTWOOD HEIGHTS Wexford WHISPERING PINES Whitaker Townhomes White Bluff White Bluff Plantation White Chimney White Chimney Creek White Oak White Oak Village Whitehall S/D Whitesville Whitfield Park Wilemere Wiley S/D Wilimington Park WILLIAMS WD WILLIAMSBURG Willow Bend Willow Lakes WILLOW LAKES PLANTATION WILLOW POINT WILLOWPEG WILLOWPEG AT LOST PLANTATION WILMINGTON ISLAND WILMINGTON PARK WILSHIRE ESTATES WINCHESTER ESTATES WINDCHASE TOWNHOMES WINDCHASE TOWNHOMES #6 WINDFIELD Windsong Windsong Buckhead Windsor Windsor Crossing Windsor Forest Windsor on the Marsh Windward WINDY OAKS WINSKIE TCT POOLER WINTERBERRY Wolf Pen Island WOODHOUSE WOODHOUSE SUB Woodland Lakes Woodlands at Southbridge Woodlawn Terrace WOODRIDGE ESTATES Woodville Woodwall WOODWIND SOUTH WORTHINGTON ESTATES WYMBERLY ON THE MARSH WYNDHAM at FOREST LAKES Yacht and Country Club Estates YELLOW BLUFF Yellow Bluff Plantation Yorktown Place Townhomes
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Tips For Buyers

The purchase of a home is a tremendous investment, both monetarily and emotionally. Make certain you have a true advocate representing your best interests. When you hire a Realtor who is also an Accredited Buyers Representative (ABR) you can be assured that person has taken the extra steps to gain knowledge and experience to better represent you in your purchase. Only 13% of all Realtors have acquired this special buyers advocacy designation.

• Get help. Your home is likely to represent one of the largest investments in your life. In order to make sure that the transaction goes smoothly it is of vital importance that you choose the right agent to represent your interests.

• Get pre-approved. Do you already know how much home you can afford? There is nothing more frustrating than looking for a home, finding the perfect home, and then discovering that it is out of your price range. Speak with a lender to learn about the different financing options available to you. When you find the right lender get the paperwork processed so that you will be ready to buy when you find the right home.

• Avoid major purchases. In order to determine the amount of home you can afford a lender uses your debt-to-income ratio. This ratio is the percentage of your pre-tax income that you spend on debt. Your debt ratio will include: monthly housing costs, car payments, credit cards, student loans, and any other installment debt. If you take on more debt right before buying a home it is going to have an impact on the amount of the loan that the lender will finance.

• Sign up for Property Watch. In order to make an educated decision you need to know what is available and how much it is going for. You can browse all the active listings from my website. Once you have found some homes you like save those searches and sign up for property watch so that new listings will be emailed to you. The best homes move fast so you need to make sure that you are on top of the available inventory at all times so you do not miss out.

• Ask Questions. No one knows the home better than the seller of the property; however it is not always in the seller's best interest to disclose all the information. The right agent knows what questions, how to ask them and does their homework to get pertinent information to best negotiate on your behalf.

• Get inspected. The last thing you want to discover after you have bought a home is that you have purchased a "money pit". By "money pit" I am referring to a home that is full of defects that are going to end up costing you a lot of money. Save yourself a lot of time in future litigation and renovation by bringing in a licensed home inspector before you buy. If any problems are found it will steer you away from a bad decision or help you negotiate a better price.

• Remember, if you have any questions I am always just a phone call or email away.