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Kimberly Lanthier Harkey

HERITAGE REALTY & ASSOCIATES

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Answered Questions: 7

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Kimberly Lanthier Harkey's Answers

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Answered: Jan 25, 2012

In answer to: What does my credit score need to be to purchase a foreclosed property If i am willing to pay 10% down

Your best bet is call a lender to find out. Everything is based off your middle credit score from Experian, Trans Union, & Equifax. The loan program really dictates what is necessary as far as credit score and down payment. Good luck

Answered: Jan 25, 2012

In answer to: Danny Hunt once sold a house for us. He worked for Century 12 at the time. Does he still sell real estate? How can I get him to list my house?

Google his name and the city he worked in. Typically, Realtors advertise so much that they come up easily in a web search. It's speaks highly of him that you are looking for him. Good luck

Answered: Jan 25, 2012

In answer to: Are there any programs to help me increase my credit score so that I can buy a foreclosure home? I am a first-time home buyer. Tired of renting.

Yes, and you don't have to hire a credit repair company. A good lender will work with you to get your credit score corrected. I know one in Walton & Barrow counties. Let me know if you still need help.

Answered: Jan 25, 2012

In answer to: I am in the Athens, GA area. I'm looking to buy in neighboring counties. Is it possible to get a USDA with Equifax 551 Experian 612 Transunion 614?

I'm not a lender but I'm a Realtor in Winder, GA. I believe that USDA now requires a minimum of 620. I can put you in touch with a lender who can help you get things in order to buy. Just send me a message. Thanks - Kimberly

Answered: Jan 25, 2012

In answer to: we are looking for someone to help with the loan to buy a home anyone know someone? Tracy Lindsey

I'm a Realtor in Winder, GA and I have a couple of local folks. Let me know if you still need them. Thanks,

Answered: Jan 25, 2012

In answer to: i want to know how we can get started by looking for houses in covington georgia for first time house oners

Your first step is speak with a Realtor in the area. I'm a member of Walton Barrow Board of Realtors and while I don't work the Covington area, I can definitely get you in touch with someone great! You'll also want to get pre qualified through a lender. In the current market, it's important to be ready when you find that perfect home. Good luck & let me know if you need help.

Answered: Jan 25, 2012

In answer to: Husband & I are looking to purchase our first home. We went through the preapp with Wells Fargo over the phone, they keep losing our info. What next?

Definitely find a lender who is interested in helping you. If you need a referral or 2 I can happily help you. I used to be a lender and losing a file is unacceptable. Thanks, Kimberly

Covers Bethlehem, Braselton, Dacula, Loganville, Monroe, and more.

Need help purchasing the perfect first time home, investment property or short selling Call me.

My goal is to build strong, lifelong relationships with the customers and clients of Heritage Realty by providing the best possible service through my team of professionally trained Realtors. I am owner and Managing Broker of Heritage Realty. I have been a licensed REALTOR&xae; since 2001. Prior to my career in real estate, I worked in the mortgage industry for 10 years and held positions such as consumer lender, mortgage loan processor, mortgage loan officer, and branch manager. This knowledge and understanding of finance has been effective in closing transactions for all the clients of Heritage Realty. I began my real estate career when I purchased my first investment property in 2001 and obtained a real estate license to sell my own investment properties... my, how things change. From there, I purchased Heritage Realty in January 2004.

I am an active member of The Walton Barrow Board of Realtors, serving as a local director and 2007 V.P. of Administration and Finance and receipient of the 2007 Realtor Spirit Award. Other memberships include: Barrow County Chamber of Commerce and Partners in Education with Holsenbeck Elementary & Winder Barrow Middle School. I believe it's important to reinvest in the community.

On a personal note, I am native to North Georgia. I grew up in Gainesville and Winder, attended Linked Site Georgia Southern University in Statesboro, Georgia, and lived in Atlanta/Buckhead area for a few years but moved back home to Barrow County in 1996. I hav