RTT REALTY LLC WEBSITE

My relocation from New York to Georgia was driven by a desire to advance my career in the Federal Government. Having established myself as a seasoned administrative services professional and my hobby of art sales, I have acquired the necessary and valuable skills that have translated seamlessly to my work in real estate. My attention to detail, effective communication, and strong salesmanship have been instrumental in jumpstarting my career in the real estate market. As a result, I am committed to leveraging my diverse background and skill set to provide exceptional service to my clients.

In today's fast-paced and competitive market, it's crucial to have a reliable, dependable and trustworthy agent by your side. I am committed to making my clients my number one priority, understanding that buying or selling a home is one of the most important decisions of your life.

As your agent, we walk through the entire process, whether it’s your first home or an investment property. Assistance will also be given to help you find the right mortgage company that fits your needs.

My business is built on integrity, loyalty and professionalism and I recognize and value the trust my clients will place in me as I strive every day to exceed your expectations. I am dedicated to providing my clients with exceptional service and expertise to ensure a smooth and successful transaction.

If you have any real estate questions, please feel free to reach out to me. I will be happy to answer them for you.

meet ROBERTA THOMPKINS

LISTING SOLD

CLASSIC SUBURBAN HOME

This beautiful 4 bedroom, 2.5 bathroom home boasts a spacious and inviting floor plan, perfect for family living and entertaining. The main level features a formal dining room, and cozy family room with a marble fireplace, creating an ideal space for relaxed evenings at home. With a rocking chair porch, unfinished basement, and a deck that overlooks the private fenced backyard, this home is perfect for outdoor activities and entertaining.

NEW BUILD - SOLD - LENNAR HOMES

ACTIVE ADULT 55+ COMMUNITY

LOCATED IN THE BEAUTIFUL CITY OF GRAYSON, GA

This stunning 1.5 story home offers an exceptional open floor plan, perfect for family living and entertaining. The living room, breakfast room and kitchen flow seamlessly together, creating a spacious and inviting area for day-to-day living. The formal dining room provides an ideal setting for elegant dinner parties, while the four bedrooms offer ample space for your extended family. Additionally, the loft area offers a versatile entertainment area, full bathroom and bedroom, providing the perfect space for a home office, workout room or guest suite.

NEW BUILD - SOLD - SEABOARD JUNCTION

ACTIVE ADULT 55+ COMMUNITY

This gorgeous 3 bedroom, 2 bathroom home boasts elegant details and luxurious finishes throughout, making it the perfect place to call your own. With its open-concept design and thoughtful layout, this home is sure to impress. This gated, age-qualified community offers elegant ranch style open floor plans - easy to navigate and entertain! Step inside and be greeted by the stunning chef-inspired kitchen, complete with 36" cabinets, granite countertops, tile backsplash, and stainless steel appliances. This space is perfect for hosting family and friends, with ample room for cooking and dining together. Enjoy your cup of coffee or watch the sunset from your enclosed sunroom. With an array of outstanding amenities like a cabana-style clubhouse, community garden, swimming pool, dog park, and walking trails, Seaboard Junction is ideal for entertaining and socializing.

MY REALTY SERVICES

BUYING A NEW HOME

SAY YES TO THE ADDRESS!

selling your home

LOOKING TO DOWNSIZE

sCHEDULE YOUR COMPLIMENTARY CONSULTATION

RELOCATING

Let's move!

FINANCING

MORTGAGE LOAN PROCESS

PRE-APPROVAL

Before you start looking for a home to purchase, the best way to get started is with a lender pre-approval letter in hand. If you don't have a particular lender in mind, I can assist you with that process, ensuring that you receive excellent service. A loan pre-approval letter sets you up for a smooth home buying experience. It shows that you are ready, willing and able to purchase.

Your lender will be able to pinpoint a loan amount by looking at your finances to determine how much you can qualify for. This pre-approval will save you a lot of time so that you will be able to focus exclusively on houses in your price range.

There are a variety of different loan programs, so make sure to get pre-approved for the specific program that best suit your needs.

APPLICATION PROCESSING

After discovering the property that you want to purchase, your lender will assist you in filling out a comprehensive mortgage loan application and provide you with information regarding the available down payment options and associated fees. The processing stage begins when the application is submitted, and the relevant documents are evaluated, while appraisals and title examinations are conducted. Next, an underwriter examines the loan in its entirety to ensure compliance, and if approved, the loan is authorized.

UNDERWRITING

The underwriter is the key decision-maker. They closely evaluate all the documentation prepared by the loan processor in the loan package. They cross check to see if the borrower and property match the eligibility requirements of the loan product for which the borrower applied. For example, for a VA loan, the underwriter will verify the borrower’s military service.

Underwriters review the borrower’s credit history and their capacity to repay the loan. The collateral (the property) is also weighed into the decision. They verify information and double check for accuracy. They’ll sniff out any red flags that indicate potential fraud.

PRE-CLOSING

Throughout the process, it is not unusual to be requested to provide additional documentation or seek clarification. After receiving loan approval, remember to arrange for homeowner's insurance.

Title insurance is ordered before the closing meeting so that you can walk away with the keys to your new home, ready to move in. This is also the time to make sure that all the offer contingencies have been satisfied. Once any conditions are satisfied, the closing is scheduled.

CLOSING

The closing is the moment you’ve been waiting for. It’s time to sign documents and complete your purchase or refinance.

Your paperwork will be forwarded to the title company, where you can sign for your new property and settle any remaining costs. Following that, the loan will be recorded and you will be given the keys to your new home.

KEY CLOSING DOCUMENTS

Closing Disclosure (or HUD-1 and TIL in some cases) – a summary of loan terms, monthly payments and closing costs.

Promissory Note – as it sounds, it’s the promise that you’ll repay the loan. It shows the loan amount and terms of the loan and the lender’s recourse if you fail to make payments.

Deed of Trust – secures the note above and gives the lender a claim against the home if you fail to live up to the terms.

KEY CLOSING DOCUMENTS

Certificate of Occupancy – if the house is newly constructed, this is the legal document you’ll need to move in.

TIP: Be sure to read all documents and ask questions!

Lastly, don’t sign any forms with blank lines or space.

When everything is signed, your participation in the closing meeting is done.

CONGRATULATIONS!!

PROGRAMS FOR FIRST TIME HOMEBUYERS

There are many programs available to help the first-time home buyers including programs that offer down payment assistance. Here are a few, click on the links below:

USDA Program

VA Loan Programs

FHA Loan Requirements

Down Payment Assistance Resources

Georgia Dream Home Ownership Program