ALERT HOME BUYERS THIS IS HUGE!!!

This alert is going out to all Atchley Group prospective home buyers and we wanted the public to know as well.

Buyers please be advised, this is the second time today this has come across our desk, we know you have been looking for a while but the times are changing. If you have an older preapproval letter please contact your lender and make sure this does not affect you. Changes come more often now, but rates are GREAT! So please make sure you keep in contact with your lender, if you are needing a new lender please contact Heidi Rose at The Atchley Group 405-274-9210 for a list of proven and reputable lenders.

****IMPORTANT****

Effective immediately, 100% conventional mortgages have been eliminated from the mortgage market. This is an industry-wide guideline change. Regardless of credit score, income, or debt ratios, 100% conventional mortgage financing has come to an abrupt end. A 3% minimum down payment will be required by all borrowers. FHA loans with down payment assistance from the seller (if seller is willing) still exist. This type of loan allows the seller to pay the borrower’s down payment of 3%. Seller must be willing to participate in this type of transaction. There are still great mortgage programs for borrowers and rates are still low. However, it is more important than ever for borrowers to have their credit, assets, and down payment in the best shape possible if they expect to qualify for a mortgage, especially if they expect to qualify for the preferred programs with the lowest rates and fees. Make sure you are working with an experienced and reputable Realtor. Also make sure you are working with an individually licensed loan officer. Ask for their individual license number. Don’t except a blanket license for everybody in the office. Get theirs, and match it with the Department of Consumer Credit’s database to make sure that they are current on licensing as well as continuing education.

The Gary Atchley Group #1 Oklahoma Region

The Gary Atchley Group at Keller Williams Realty was recently awarded the title “Oklahoma Region #1 Real Estate Group” based on 2007 sales volume.
This follows the team being recognized as “Platinum Producers” at the February Keller Williams Realty International Family Reunion in Atlanta. The Gary Atchley Group is currently ranked in the top 100 Realtors across the US and Canada from a field of 70,000 plus Keller Williams professionals.
“We are so blessed to live in Oklahoma where we continue to see growth in the real estate market. When we talk to Realtors in other markets, we see the affects of modest appreciation which has rewarded us (Oklahomans) with a stable real estate market,” said Gary Atchley.
“Our team has had the opportunity to market homes in a community where homes priced right and staged well – perform with healthy buyer interest,” said Atchley.
“For home sellers -- today’s market is all about getting your home to be priced competitively and looking its best to shine above the competition. Buyers are fortunate to see great values coupled with inviting interest rates. We think this is a signal for a strong spring real estate market.”
The Gary Atchley Group is led by Gary Atchley a Realtor since 1990. He and his wife Deb Atchley, a marketing and business consultant, formed The Gary Atchley Group in 1998 to offer buyers and sellers a team approach to real estate consultation where listing, buying, marketing and closing homes are offered by “specialists” that concentrate their efforts on being experts.
The Gary Atchley Group team members are Heidi Rose, Realtor and Buyer Specialist; Vonna Lovett, Realtor and Closing Manager; Darcy Oviatt, Realtor and New Home Sales Specialist; Mandy Stansberry, Photographer and Marketing Director; and Karen Pulido, Customer Service and Listing Manager.
“We believe that to successfully sell or buy a home in this very competitive environment– you need a team of professionals that have their eyes on all the details involved in getting the job done.”
Atchley adds, “It is our team’s goal to offer a level of service that delivers the best result possible – a smooth exchange of home ownership.”

Stunning Home in Stone Valley

Fabulous family home in Edmond Schools! With 4,061 sq. ft. (mol), this versatile plan has lots of living space--a family room, upstairs bonus room, handsome study, exercise room and 4 bedrooms. Features include: designer kitchen with huge pantry, large master bedroom suite, tons of storage and breathtaking backyard with covered patio and lake on a 1 acre lot.

Bright and Pretty on Park Place

This delightful 4 bed, 2 1/2 bath, 2 living, 2 dining, 3 car garage home with loads fabulous features is the perfect family home. With the master suite downstairs, and 3 beds up, this is an ideal family plan. With a beautiful front porch, tile and wood floors throughout, spacious kitchen and a beautiful backyard, this home is perfect for you!

New Listing in Coffee Creek!

Beautiful home with fabulous features in a great neighborhood! This 3 bedroom, 2 bath, 2 living and 1 dining home in Coffee Creek is loaded with amenities. Features include neutral carpet, rock corner fireplace, tile floors, luxurious master suite with whirlpool tub, 2 car garage, and spectacular kitchen with dinette. This beauty with 2,048 sq. ft. (MOL) is in Edmond Schools and is a must see!

MARCH MADNESS -- BUILDER BONUS!!!

Check this out!!! Turner & Son Homes is offering $7,500 towards your choice of media room items, closing costs, backyard oasis, etc. Offer is limited to 3100 Firewheel and 2913 Hidden Prairie (Edmond) and the homes must be under contract by March 31, 2008. To learn more about these homes visit Turner & Son Homes. Turner and Son Homes builds homes in Edmond, Deer Creek, Piedmont and Yukon school districts. Prices start in the $190,000 range and are loaded with amenities that transform a house into a home. Please call to speak to Darcy Oviatt, New Homes Sales Specialists, 405-274-5667 to learn more about these homes.

Preparing for Showings

Are you selling your home in Edmond, Deer Creek, or the Oklahoma City Area? Use this handy checklist to prepare for each showing to help your home show better and sell faster! Thinking about selling? Call The Gary Atchley Group today to speak to one of our real estate experts about listing your home! Call 330-2626 and ask for The Atchley Group!

• Clean all appliances, sinks and countertops
• Remove magazines, books and other personal items from all surfaces. Organize mail, magazines and newspapers. Be clutter free!


• Clear off kitchen counters, make sure there are no dishes in the sink


• Vacuum and sweep the floors


• Make all beds and put away any laundry that is out


• Empty waste baskets and trash if visible


• In the yard: Remove or organize all children’s toys, garden tools and hoses


• During daylight open all draperies, shades, and blinds. Natural light is at the top of most buyers' wish lists.


• Clean and freshen bathrooms, put toilet seat lids down and fold towels


• Pets should be out of sight or taken with you. Any pet beds, bowls or cat boxes should be removed as well.


• Tidy up closets, especially the floor area (makes them look bigger)


• Leave lights on if after dark