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Judi Ross
Re/Max Savannah

350 Hodgson CT
Savannah, GA 31406
Office:  912-355-7711
Judi's Direct Phone: 912-657-8070
Email: judi@judiross.com

Welcome & Thank You For Visiting
"Focused On What Matters Most To You"

Welcome to Savannah, Georgia's First City, a historic city with a revered past, a vibrant present and an exciting future. Savannah has an atmosphere and charm fostered by residents who have cherished and preserved its past. Our love of history is embodied in the beautifully restored homes, churches and public buildings that grace the city's unique, tree-filled squares, and that affection has given rise to a tourism industry that's boomed dramatically since the mid-90s. 
Energized by the upsurge in tourism and other positive economic factors, we have entered the 21st century in the enviable position of being able to use our past to enhance our present and future. Our Landmark Historic District is in the midst of a commercial revitalization that is spreading to the midtown Victorian District and spilling over into the eastside islands, the fast-growing Southside and the industrialized areas west of Savannah. 
Savannah is not only a top tourist destination but also an ideal city for business or family. Our diverse economy forms a strong business and employment base ranging from manufacturing to distribution, from tourism to military, from healthcare to port operations and retail sectors. Savannah is home to Hunter Army Airfield and Fort Stewart military bases. Combined the two bases employee more than 42,000 people and generate an annual direct federal expenditure of $1.4 billion dollars.


 


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simplifying the Market

5 Myths About Real Estate Reality TV Explained

5 Myths About Real Estate Reality TV Explained | Simplifying The Market

Have you ever been flipping through the channels, only to find yourself glued to the couch in an HGTV binge session? We’ve all been there… watching entire seasons of “Love it or List it,” “Fixer Upper,” “House Hunters,” “Property Brothers,” and so many more, just in one sitting.

When you’re in the middle of your real estate themed show marathon, you might start to think that everything you see on TV must be how it works in real life, but you may need a reality check.

Reality TV Show Myths vs. Real Life:

Myth #1: Buyers look at 3 homes and make a decision to purchase one of them.

Truth: There may be buyers who fall in love and buy the first home they see, but according to the National Association of Realtors the average homebuyer tours 10 homes as a part of their search. 

Myth #2: The houses the buyers are touring are still for sale.

Truth: The reality is being staged for TV. Many of the homes being shown are already sold and are off the market. 

Myth #3: The buyers haven’t made a purchase decision yet.

Truth: Since there is no way to show the entire buying process in a 30-minute show, TV producers often choose buyers who are further along in the process and have already chosen a home to buy. 

Myth #4: If you list your home for sale, it will ALWAYS sell at the Open House.

Truth: Of course this would be great! Open houses are important to guarantee the most exposure to buyers in your area, but are only a PIECE of the overall marketing of your home. Just realize that many homes are sold during regular listing appointments as well.

Myth #5: Homeowners make a decision about selling their home after a 5-minute conversation.

Truth: Similar to the buyers portrayed on the shows, many of the sellers have already spent hours deliberating the decision to list their homes and move on with their lives/goals.

Bottom Line

Having an experienced professional on your side while navigating the real estate market is the best way to guarantee that you can make the home of your dreams a reality!

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Why Pre-Approval Should Be Your First Step

Why Pre-Approval Should Be Your First Step | Simplifying The Market

In many markets across the country, the number of buyers searching for their dream homes greatly outnumbers the amount of homes for sale. This has led to a competitive marketplace where buyers often need to stand out. One way to show you are serious about buying your dream home is to get pre-qualified or pre-approved for a mortgage before starting your search.

Even if you are in a market that is not as competitive, knowing your budget will give you the confidence of knowing if your dream home is within your reach. 

Freddie Mac lays out the advantages of pre-approval in the My Home section of their website:

“It’s highly recommended that you work with your lender to get pre-approved before you begin house hunting. Pre-approval will tell you how much home you can afford and can help you move faster, and with greater confidence, in competitive markets.”

One of the many advantages of working with a local real estate professional is that many have relationships with lenders who will be able to help you with this process. Once you have selected a lender, you will need to fill out their loan application and provide them with important information regarding “your credit, debt, work history, down payment and residential history.” 

Freddie Mac describes the 4 Cs that help determine the amount you will be qualified to borrow:

  1. Capacity: Your current and future ability to make your payments
  2. Capital or cash reserves: The money, savings and investments you have that can be sold quickly for cash
  3. Collateral: The home, or type of home, that you would like to purchase
  4. Credit: Your history of paying bills and other debts on time

Getting pre-approved is one of many steps that will show home sellers that you are serious about buying, and it often helps speed up the process once your offer has been accepted.

Bottom Line

Many potential home buyers overestimate the down payment and credit scores needed to qualify for a mortgage today. If you are ready and willing to buy, you may be pleasantly surprised at your ability to do so as well.

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Prices Rose 7.1% Year-Over-Year [INFOGRAPHIC]

Prices Rose 7.1% Year-Over-Year [INFOGRAPHIC] | Simplifying The Market

Some Highlights:

  • CoreLogic’s latest Home Price Index shows that prices rose by 7.1% across the United States year-over-year.
  • With mortgage interest rates rising in the short term, CoreLogic believes price appreciation will slow to 4.7% by this time next year.
  • 49 out of 50 states, and the District of Columbia, all had positive appreciation over the last 12 months, with the only exception being the state of Connecticut, which experienced a -0.5% appreciation.
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Is This the Year to Move Up to Your Dream Home? If So, Do it Early

Is This the Year to Move Up to Your Dream Home? If So, Do it Early | Simplifying The Market

It appears that Americans are regaining faith in the U.S. economy. The following indexes have each shown a dramatic jump in consumer confidence in their latest surveys:

  1. The University of Michigan Consumer Sentiment Index
  2. National Federation of Independent Businesses' Small Business Optimism Index
  3. CNBC All-America Economic Survey
  4. The Conference Board Consumer Confidence Survey

It usually means good news for the housing market when the country sees an optimistic future. People begin to dream again about the home their family has always wanted, and some make plans to finally make that dream come true.

If you are considering moving up to your dream home, it may be better to do it earlier in the year than later. The two components of your monthly mortgage payment (home prices and interest rates) are both projected to increase as the year moves forward, and interest rates may increase rather dramatically. Here are some predictions on where rates will be by the end of the year:

HSH.com:

“We think that conforming 30-year fixed rates probably make it into the 4.625 percent to 4.75 percent range at some point during 2017 as a peak.”

Svenja Gudell, Zillow’s Chief Economist:

“I wouldn’t be surprised if the 30-year fixed mortgage rate hits 4.75 percent.”

Mark Fleming, the Chief Economist at First American:

“[I see] mortgage rates getting much closer to 5 percent at the end of next year.”

Lawrence Yun, NAR Chief Economist:

“By this time next year, expect the 30-year fixed rate to likely be in the 4.5 percent to 5 percent range.”

Bottom Line

If you are feeling good about your family’s economic future and are considering making a move to your dream home, doing it sooner rather than later makes the most sense.

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Testimonials Page

When my husband and I first started our house search, we were not completely sure what we wanted. We met with Judi Ross and she spent a great deal of time with us to determine what we needed/wanted, after which she showed us several options (condos, houses), which helped narrow down our search. She expertly guided us through the real estate maze to help us discover the house that was perfect for us. Mrs. Ross has an incredible knowledge of the Savannah area and has an intuitive vision for expertly guiding her clients through the maze of real estate choices in this area. Her experience and vast familiarity of the greater tri-county area make Judi Ross is the consummate real estate agent. Scott and Elaine Nelson
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