Tuesday, December 30, 2014

Homeowner Tax Benefits

tax benefits.pngThere are many reasons for wanting to have a home of your own like a place to raise your family, share with friends and feel safe and secure.  While investment opportunities rank high for most people based on the fact that homeowners’ net worth is over forty times higher than that of renters, so do the tax benefits that reduce tax liability.

  • Taxpayers who have owned and used a home for at least two out of the last five years, can exclude a maximum of $250,000 of gain as a single taxpayer and up to $500,000 of gain for married taxpayers filing jointly.
  • If the gain on a principal residence exceeds the allowed exclusion, the balance is taxed at the lower long-term capital gains rate rather than the marginal tax rate of the homeowner.
  • Homeowners can deduct the interest paid on up to $1,000,000 of acquisition debt used to buy, build or improve their first or second home.  They may also deduct the interest on up to $100,000 over acquisition debt that is a recorded lien on their first or second home.
  • IRS will allow taxpayers to decide each year whether to take the higher of the itemized deductions or the standard deduction.
  • Points paid on new loans for home purchases are considered interest and can be deducted in the year paid. On the other hand, points paid for refinancing a home must be amortized over the life of the mortgage.

For more information, talk to your tax professional and see IRS publication 523 and IRS Publication 936.

Wednesday, December 24, 2014

SOLD in Lawrenceville, GA - Cold Weather, HOT Market!

Congratulations to these SMART SELLERS
See why selling their home during the winter paid off BIG...

While most homeowners interested in selling don't want to be bothered during the winter/holidays and are going to wait until the Spring, these sellers made a brilliant decision to do the opposite and it paid off. They were under contract in under 2 weeks and received multiple offer!

It may be cold out, but the market is still hot! If you are thinking about SELLING YOUR HOME, here are a few reasons you should not wait until it warms up.
  • In the winter, inventory is lower by an average of 20% and so is competition.
  • In the winter time, people who are searching for a home are serious buyers.  How many “tire kickers” do you know who are willing to get out there and search for a home in the cold, rain, wind or snow?
  • In the winter time, the amount of traffic going through a client’s home is much less because there are less people in the market looking.  Less inconvenience for families trying to keep the home “perfect” in case of unexpected visitors.
  • In the winter, with inventories being lower, there is a slight shift in who’s in the drivers seat when it comes to contract negotiations, especially with the changing markets.  There will likely be less concessions on the part of the seller in the winter.

If you want to SELL YOUR HOME or if your home has been sitting stale on the market, give me a call at 404-857-2508 for a FREE Market Analysis. 
Natasha Liburd Bazile is a Realtor with Keller Williams Atlanta Partners and the Lead Home Stager with Heart of Decor in Georgia (virtual services available). She prides herself in being a guide to her clients and finds fulfillment in helping them achieve their goals.

Direct Phone: (404) 857-2508 
www.SoldbyNat.com Email - Facebook - Twitter - YouTube

Tuesday, December 23, 2014

ICE Can Save Lives

ICE.pngEveryone knows that ice can make a drink cool or reduce swelling, but if you put it on your cell phone, it might just save your life.

The concept is simple.  Make a contact record in your address book with the name “ICE”, which stands for In Case of Emergency.  In the note section of the record, you would list your name, blood type and medical conditions along with prescriptions and physicians.  You’d also list the people and their phone numbers that can be contacted in case of an emergency.

Several years ago, a British first responder came up with the idea when his emergency unit responded to a call where the victim was unable to communicate due to illness or trauma.  The victim’s wallet didn’t indicate specific persons to be notified in an emergency.  The fireman went through his cell phone to try to identify a relative and wasn’t successful.

That’s when he came up with the idea of a universal entry into the address book for ICE where the necessary parties and special information could be kept.  The story received a considerable amount of publicity and spread across the pond to the United States and into many other countries.

While it isn’t recognized everywhere, it is becoming increasingly more popular.  Even if emergency technicians didn’t find it, the slight possibility that they would find it and it would make a difference would justify the few minutes it will take to create it.  Click here to download a card to carry in your wallet or purse.

Tuesday, December 16, 2014

Don't Consider Appreciation or Tax Savings

iStock_000004701496XSmall.jpgAppreciation and tax savings are legitimate contributors to an overall rate of return on rental real estate but what if you didn’t consider them at all.  If you only looked at one or two, very conservative measurements, you might decide to invest especially knowing that there are more benefits that will accrue to your investment.

If we bought a property for cash, collected the rent and paid the expenses, the amount left would be called Net Operating Income.  In the example below, if would generate $7,200 a year which would be a 7.02% cash on cash rate of return which is considerably higher than the current 10 year treasury rate of around 2.3%.

If we place a mortgage on that property, the rate of return actually increases due to leverage.  After the principal and interest are paid, the net operating income obviously decreases but the cash on cash rate of return increases to 9.10% because the borrowed funds means less cash invested.

Another contribution to the investment’s rate of return occurs with the mortgage due to amortization: the principal reduces with each payment made which increase the investor’s equity.  In this example, the equity build-up divided by the initial investment yields a 5.25% rate of return in the first year.

Single family homes for rental purposes offer the investor high loan-to-value mortgages at fixed interest rates for long terms on appreciating assets with tax benefits, reasonable control and an opportunity to earn higher than normal rates of return.  Call if you'd like to talk about what kind of rental opportunities are available.

Equity buildup.png

Tuesday, December 9, 2014

Neighbor Rules 101 - Are you a Nightmare Neighbor?

iStock_000041025734Small-250.jpgI love my neighborhood of Loganville, Georgia. First of all, I think my subdivision has great curb appeal. Spacious lots, wide streets, homeowners keep up their properties, and the HOA is active. Not to mention I have/had great neighbors! I don't have to go far at all for stores, restaurants, or fresh produce. There are several small businesses, and there is still a mix of city and country. Plus, the city is often putting on events and hosting opportunities for neighbors to get out and mingle.

Being that I'm a Realtor and have sold home in many different cities in Georgia, I know everyone doesn't feel as warm as I do about my neighborhood. Being a Realtor has actually given me a better appreciation for it! Prior to getting into real estate, I worked my 9-5, came home, pulled in my garage, and put the door down before I got out. I knew my neighbors to the left and right of me, but that was about it. Can you relate?

Becoming a real estate agent gave me the push to become more personable and day-by-day, it becomes more natural. Now, I have a general interest in people and my "wall" has come down significantly. I am now certain that we were not put on this earth to live in our safe "circles". Not that we have to become best friends with everyone we meet, but I believe there is always something I can learn from someone and vice versa. It could be as simple as sharing a smile! So having said that... ARE YOU A GOOD NEIGHBOR?

A good neighbor might be characterized as someone who’ll look after your home when you’re out of town by picking up your mail and watering your plants.  You’d most likely reciprocate for anyone who’d be so generous toward you.

In some cases, you might only be able to name one or two of your neighbors who would step up to that level of service.   Wouldn’t it be nice if more people on your street would be happy to make that offer?

The solution may just start with being a better neighbor first.  The following suggestions go a long way to improving your neighborhood and making new friends at the same time.
  • Meet your neighbors and exchange phone numbers and email addresses.  Agree with each other that you’ll let them know if you see something strange going on at their home. 
  • Slow down when driving through the neighborhood; it will make it safer and everyone will appreciate it. 
  • Control your dog: keep it on a leash; pick up after it; don’t let it bark too much.
  • Don’t park in front of your neighbor’s home.
  • Notify your immediate neighbors when you’re having remodeling done and ask them to let you know if any of the contractors cause damage to their property.
  • Let your neighbors know when you’re having a party and that there will be more cars on the street than usual.
  • Maintain your home and yard so that it adds to the beauty of the neighborhood.
  • Put your garbage out for collection on the correct day and bring the containers back in promptly.
In reality, it is fairly obvious; you just have to think of the things that you’d want from your neighbors.  Be friendly; don’t be noisy; offer a helping hand when available and respect each other’s boundaries.  Having a sense of community and that you all share the neighborhood can be underlying principles that will guide your behavior.

A good neighbor would be aware of suspicious activity and would call their neighbors and the police if warranted.  This might be something you can discuss with your neighbors.  Click here for a template to record your immediate neighbor’s contact information and keep readily available if needed.

If you'd like to be my neighbor (:o) or if you're just looking to relocate to or from Walton, Gwinnett, or surrounding counties, give me a call!

I'd love to see how I can assist you! 
Call me at 404-857-2508 or email me.

Saturday, December 6, 2014

SOLD by Nat in Acworth, GA ~ Buying a New Construction Home - Do I need an agent?

Congratulations to my clients on relocating to Georgia and buying this 7 bedroom, 5 full bathroom, 3 story home! I pray their family enjoys this home for many, many years to come.


Working with this family made it ever so clear why it is important for buyers to have their own representation when making any home purchase; new construction or otherwise. Here is why...

QUESTION: Buying a new construction home - Do I need an agent?

ANSWER: The simple answer is YES!

WHY: When you are buying ANY home, whether a resale or new construction, you need your own representation. Builder sales reps represent the builder. Often builders have their own agents on site to answer questions, assist people who walk in, and ultimately help with a purchase. Builder reps provide a valuable service: They can explain differences between models and floor plans and share information about financing options, upgrades and specials. But it’s important to remember that builder reps represent the builder, as they are contractually obligated to do.

In this case, there were plenty of times the builder and/or their preferred lender sent my clients documents with little explanation. Each time, I was able to walk-through the documents with them and get additional information when needed. Not to mention, being able to calm the storm and ensuring closing stayed on track when the builder unexpectedly delayed the closing my clients had flown in town for.  

Side-note: Yes, you read that right! The builder delayed closing. The loan was approved a week prior and the closing attorney had everything needed. The walk-through was completed and the home was ready. Talk about inconvenience... and we never received a legitimate explanation. We were told the builders "systems" went down #blank stare #say what?! #the wonderful world of real estate :-).

The good news is that I was able to work out a mail-away closing and today my sweet clients are happy homeowners of this beauty!!!

Are you looking to relocate to Georgia and need to purchase a home? Give me a call at 404-857-2508. I'd love to make your home buying goal a reality!

Natasha Liburd Bazile is a Realtor with Keller Williams Atlanta Partners and the Lead Home Stager with Heart of Decor in Georgia (virtual services available). She prides herself in being a guide to her clients and finds fulfillment in helping them achieve their goals.

Direct Phone: (404) 857-2508 
www.SoldbyNat.com Email - Facebook - Twitter - YouTube

Client Testimonial for Realtor, Natasha Bazile of www.SoldByNat.com


It's hard to put in words how you have changed our lives for the better. It's not just about getting us to a new house - lots of realtors could have done that. But it was the WAY you got us to the PERFECT new house for us…

The first time we met you was on Labor Day, a holiday, when most offices are closed. We weren't your clients yet, you didn't even know us, and yet you were willing to meet a family of strangers, on a cold and rainy holiday, to go look at a house. From that very first day, you listened to us, you answered thousands of questions, and you were so patient with us. And you pushed us, just enough, to really identify exactly what we wanted, and then to take the steps to get it.

We knew we wanted to sell our house… but you helped us sell it over the asking price by advising us about how to de-clutter, what to do with our pets, when to show the home, etc. We had offers on the first day!!! And you understood that our lifestyle - both of us working out of the home 40+ hours per week and having two little kids - meant that we needed calls and visits on the weekends and after the kids' bedtimes. You met with us at 8:30 one night, leaving your family, so that you could help us make decisions about the 11 different offers we got on our current home. Amazing!

Then, to top it off, while you were helping us with the selling process (which we had never done before), you also were working on helping us find and buy a new home. You helped us figure out what would work for our family - in terms of size, land, style, location, and price - and then you FOUND IT! Within just a few weeks of looking, you helped us find the perfect property for us. I'll never forget when we were visiting the house (for the third time with you I think) and my daughter asked if we could stay at this house forever because she loved it so much. It’s our dream house!

After negotiating the purchase of that home (all while negotiating the sale of our current home) we closed on both homes just days apart and moved into our new house two weeks before Christmas. It’s unbelievable how quickly this all happened, and yet the process was detailed and we never felt rushed or overwhelmed. There are days that we still can't believe this new house, our dream house, is ours!

I have so many friends who have had trouble selling and trouble buying, taking years with their realtors to make any progress. But you helped us with the entire process, start to finish, in less than 3 months. Thank you, thank you, thank you, from the bottom of our hearts, for all you have done. We will be forever grateful to you!

Vanessa S.



If you are thinking about SELLING your home and PURCHASING a new one, give me a call at (404) 857-2508. Talk to you soon!

Natasha Liburd Bazile is a Realtor with Keller Williams Atlanta Partners and the Lead Home Stager with Heart of Decor in Georgia (virtual services available). She prides herself in being a guide to her clients and finds fulfillment in helping them achieve their goals.

Direct Phone: (404) 857-2508 
www.SoldbyNat.com Email - Facebook - Twitter - YouTube

Tuesday, December 2, 2014

Holiday Tree Safety

iStock_000035874916-175w.jpgFresh holiday trees are beautiful, smell great and really add to the spirit of the season.  Following some proven safety tips might help you avoid a disaster and keep the Grinch away.

  • Select a tree with fresh green needles that don’t fall off when touched or when the trunk is tapped on the ground.
  • When trees are cut too early, they have a greater risk of drying out and can become more dangerous especially with electrical lights.
  • Cut 1” to 2” off the base of the tree before placing it in the stand to facilitate it drawing water to the limbs and quills.
  • Trees require water similar to cut flowers or they’ll dry out. Tree stands should hold at least one gallon of water and it should be checked every day.  A six foot tree could use up to a gallon of water every two days.
  • Position the tree a minimum of three feet or further from heat source like fireplaces, space heaters, heat vents or candles.  Do not allow the tree to block an exit.
  • Lights should be labeled from an independent testing laboratory and intended for indoor use.
  • Follow manufacturer’s recommendations for how many strings of lights can be connected to each other.
  • Turn off all tree lights when you go to bed or leave the home.
  • If the tree becomes dry and begins shedding needles, it can be a fire hazard and should be removed from the home.  Even if the holidays are not over, it is not worth the risk to keep it in your home.
  • After the gifts have been opened, don’t return the paper and boxes under the tree.
  • Remove the tree as soon as possible after the holidays.
  • Trees should never be burned in a fireplace.  The trees will burn very hot and quickly when they are dry and could spread outside of the fireplace which could cause an unfriendly fire.
  • Check to see if there is a recycling program for holiday trees in your community.

The National Fire Protection Association reports that “one of every three home Christmas tree fires are caused by electrical failures and a heat source too close to the tree causes roughly one in every six of the fires.”

Tuesday, November 25, 2014

Verify with Your Lender

iStock_000030685604-200.jpgIf you have a mortgage with an escrow account to pay your property taxes and insurance, you expect the company servicing your loan to pay this year’s taxes this year so that you can deduct them on your 2014 income tax return.  After all, your monthly payment includes 1/12 the annual amount so there will be money available for them to be paid on time.

IRS requires that expenses must actually be paid in the year that a deduction is to be taken.

The predicament occurs when you’ve made your payments but the mortgage company didn’t pay the taxing authority in the tax year they were due.  If they paid your 2014 taxes in January of 2015, they wouldn’t be deductible for you until you file your 2015 income tax return.

Verify with your lender after you make the December payment that they did indeed pay your property taxes.  The question for your lender’s customer service is: "Have you or will you pay the 2014 property taxes this year so I’m eligible to deduct them on my 2014 income tax return?”

Tuesday, November 18, 2014

Consider an Adjustable Rate

ARM vs FRM.pngWith fixed rate mortgages as low as they are, most purchasers or owners wanting to refinance might not even consider an adjustable rate loan.  The determining factor should be how long the person plans to be in the home and which mortgage will provide the cheapest cost of housing.

For instance, if you compare a $300,000, 30 year term mortgage with a 4.125% rate on the fixed and a 3.25% on the 5/1 adjustable, the breakeven point would be almost seven years assuming the rates adjusted the maximum that they could in each year.


Therefore, if a person is going to stay in the house less than 7 years, the ARM would provide the cheapest cost of housing.  This example shows that at the end of five years, the ARM would generate almost $13,000 savings over the fixed-rate. 

On the other hand, this could be a good time for homeowners with an existing adjustable rate mortgage to consider refinancing into a fixed-rate mortgage.  The longer that they intend to stay in their home, the more advantageous it might be for them to convert their mortgage to lock-in their payment and fix their housing costs.

A trusted mortgage professional can analyze the alternatives to provide you with the information necessary to make a good decision.  You can try the Adjustable Rate Comparison with your own numbers to see the effect.

Saturday, November 15, 2014

12 Reasons Homebuyers Get Denied AFTER Being Pre-approved!

FYI - This information is subject to change and may vary amongst lenders. Please consult your lender.

There are many complexities to the mortgage process. These mistakes can cost prospective homeowners to be turned down, even after receiving an initial pre-approval letter. Many of the things that make this process complex is completely out of the buyers control. BUT NOT ALL! There are steps you can take as a consumer to make sure your mortgage application stays approved after you've been issued that pre-approval letter.

So let's jump right in, here are 12 things that can cause a buyer to be denied after receiving their pre-approval letter! This is by no means an exhaustive list, but I want to help my buyers be able to achieve their dream of home ownership.

1.     Failing to disclose past bankruptcy, foreclosure, or short sale. 
There are credit repair companies out there who claim they can remove these items from your credit report. Or in some cases, because of errors at the credit bureau, they may just not appear correctly. Unfortunately, if you don't tell your us about a past bankruptcy, short sale, or foreclosure, you may think you're pulling a fast one when you get pre-approved. But in the end, the lender will almost always find these items.

Most lenders utilize independent verification of these things in addition to the credit report. These additional fraud checks can sometimes take weeks to perform, leading to last minute discovery and denial of your loan application. The more honest you are upfront, the better chance you have of staying approved and closing on your new home.

2.     Unreimbursed business expenses on your tax returns.
Some borrowers work jobs where they're required to drive significant mileage for work or purchase their own uniforms or travel on their own dime. If you have these items on your tax returns, they must be deducted from your qualifying income.

Lenders ask for a borrowers previous two years of tax returns. They will obtain a copy of your tax returns directly from the IRS to make sure that borrowers are telling the truth on their application. Some borrowers don't even realize that their accountant is taking these deductions.

3.    Undisclosed business losses. 
In addition to checking your IRS tax transcripts for unreimbursed business expenses, your lender will look to make sure you don't own any undisclosed side businesses. If you have loses on your tax returns resulting from side work, selling things on the internet, or any other type of small business, the lender has to count these losses against you. Again, it's important to be as transparent as possible. Your lender and I are here to help and these items will be discover these side business losses while reviewing the tax transcripts obtained from the IRS.

4.     Shopping for additional credit during the mortgage loan process. 
Many borrowers believe that once they've obtained the initial pre-approval, their credit will not be checked again, leaving them free to take on new debts. Well, 99% of the time the underwriter will recheck your credit the day before closing, looking for new debts that could cause you to no longer qualify for the home. So, if you're out shopping for a new car or furniture, new credit cards, or any other debt, your lender will most likely find out. And if these new debts are more than you could afford, you'll be declined for your home loan at the last minute.

Most borrowers don't realize, but when you close on a home loan, you sign a certification that nothing has changed about your credit. So if you did take out new debt and don’t disclose it, it could be considered loan fraud. In order to avoid this loan fraud, your lender will ask for an explanation of anyone who pulled your credit during the loan approval process looking for these new debts.

The bottom line is don't shop for new credit until after you close on your home. And if you absolutely have to, let your lender know first because they will find out. Any new debts have to be counted against your for qualifying. And this could lead to denial.

5.    Failure to disclose an ownership interest in the company where you work. 
In order to avoid additional documentation requirements for being self-employed, some homebuyers will not disclose their ownership in the company they work for and claim only to be an employee. Again, this may get you through the pre-approval process, but the ownership is almost always discovered in the end.

Underwriters use multiple databases powered by the Department of Corporations, the IRS tax transcripts, and other sources to discover these types of undisclosed business ownerships. This almost always backfires. And the company ownership is discovered and leads to being declined at the last minute for lying on the application.

Additionally, this can also be considered mortgage fraud, which carries stiff penalties on certain types of loans. If you own any portion of the business you work for or any other companies, make sure you disclose it.

6.     Making large undocumented deposits into your bank accounts. 
Lenders normally require 60 days worth of bank statements. This step sounds simple, but unfortunately can cause a lot of headache and hassle as you get ready to close on your home loan.

Large deposits or frequent deposits or transfers can lengthen your approval process and raise doubt or suspicion about your credit file. Your lender must be able to source and document any deposit that appears in your checking account over $1,000.00. This means to provide a copy of the check, money order or transfer from other accounts and a letter of explanation regarding each deposit.

Cash deposits are not allowed.Cash advances on your credit card, personal loans, or any other funds that are not secured by an asset of appropriate value are unacceptable funds for the down payment.

7.      Failing to file your tax returns on time. 
As I mentioned above, your lender will ALWAY request an independent copy of your tax returns directly from the IRS. If this result comes back that you have not filed your tax returns, it can lead to serious problems with your loan approval.

8.      A drastic change in your employment.
The key factors that the underwriter is looking at in employment history is your ability to repay versus willingness and the stability of that capacity based on the frequency of job changes and the trend in earnings potential. Our processor WILL contact your employer a few days before closing to verify nothing has changed with your employment. This extra last minute re-verification is required because of the number of borrowers who lost their job and never told their lender during the housing boom.

9.      Failing to disclose land and properties owned free and clear AND not disclosing mortgages that are owed to private individuals and not on your credit report. 
When you have a private mortgage, it doesn't show up on your credit report. So again, it's important you disclose all the properties you own and all the mortgages you owe. The underwriter can and will easily find this information in public records. And it can lead to your application being turned down. All properties must be disclosed even if the title is held by an LLC.

10.     Failing to disclose child support or alimony payments you're required to make. 
These can often be substantial monthly payments that must be included in your debt to income ratio. If you owe these obligations, make sure your lender is aware of it upfront so they can make sure you qualify to purchase the home.

11.     Property problems - Even though you're fully approved to borrow money for a mortgage, the property you select may not be acceptable. 
Flip properties, this is a property where someone recently purchased the home for a very low amount and is now reselling it for significantly more. Most of the time the underwriter will not let you purchase a property that was purchased and is being resold within a 90 day period. If the property was purchased in the last six months, a second appraisal and/or justification for the increase in value.

Homes in significant disrepair, certain repairs must be completed prior to closing on your new home loan. This can cause a problem because you don't want to spend money repairing a home you don't yet own. And the seller may be unwilling to pay for the repairs. In some cases, even if you are willing to pay for the repairs, the seller may not give you access to the property to have them completed.
Fully furnished homes, if you try to purchase a home with furniture, the furniture is considered an inducement to purchase and must be appraised. And your down payment will be increased by the value of the furniture. PERSONAL PROPERTY CAN NOT BE MORTGAGED AND SHOULD NOT BE INCLUDED IN PURCHASE AGREEMENTS!

Condos, there are very strict rules regarding condo approvals. So make sure any condo you're interested in is eligible for financing before getting too far into the process.

12.      Failing to disclose or attempting to hide any other pertinent information. 
Borrowers often make the wrong assumption that the lender will limit the credit analysis to just the information disclosed on the application. Well, borrower beware. This is not the case. Underwriters are not only credit analysts but also highly qualified investigators who are on the prowl for any indication of mortgage fraud. They have a number of tools and technologies to dig deeper than ever into the information you disclose and try to make a responsible, prudent credit decision. Some of the items on this list are even considered mortgage fraud. And lenders are required by law to submit what's called a suspicious activity report, or SAR, to the FBI when certain fraudulent activities are attempted. So you could end up with a much bigger problem than just being turned down for your home loan.

So make sure you're honest with your lender at application and disclose as much information as possible, allowing them to help you and to make an accurate decision on your loan approval and avoiding any last minute heartbreak. You see, when information is discovered at the last minute that can prevent you from closing on your dream home, there's nothing worse.

Remember, I am here to help you through this process. This list isn't to frighten or scare you but to assist you. I want this process to be as smooth as possible. Teamwork, honesty, and transparency are key! 

Give me a call at (404) 857-2508 if you have ANY questions!

Natasha Liburd Bazile is a Realtor with Keller Williams Atlanta Partners and the Lead Home Stager with Heart of Decor in Georgia (virtual services available). She prides herself in being a guide to her clients and finds fulfillment in helping them achieve their goals.

Direct Phone: (404) 857-2508 
www.SoldbyNat.com Email - Facebook - Twitter - YouTube

Cautious Buyers Were Not Deterred - Another Home SOLD in Snellville, GA!

CONGRATULATIONS to my darling clients on the purchase of their 1st home!

Isn't this the cutest house?! The red door had me at HELLO :-)

I first met with this couple a few months before we actively started working together. They had been though a not-so-pleasant experience with another real estate agent and they were a bit weary about moving forward. I totally understood, but didn't want them to miss out on a tremendous opportunity for their young family. We kept in touch and when they were ready, we found this adorable house. Watch the videos below to hear more about their experience....

*LIFE LESSON - We all experience bumps in the road and hiccups in our plans. Once you are confident you are on the right track, stay the course. Regroup and refocus when necessary, but don't give up! If you risk nothing, you gain nothing.

*MY TAKEAWAY - We are not always in control of what happens to us, however, we can control how we respond. When closing had to be rescheduled, though disappointed, these clients remained humble and focused on the big picture.

Interest rates are still low. Contact me to see if you qualify to BUY your own home or INVEST in real estate. Don't let this opportunity pass you by! 

If you are considering SELLING your home, now is the time. Inventory is low and homes are getting multiple offers, within days! 

Give me a call at (404) 857-2508!

Natasha Liburd Bazile is a Realtor with Keller Williams Atlanta Partners and the Lead Home Stager with Heart of Decor in Georgia (virtual services available). She prides herself in being a guide to her clients and finds fulfillment in helping them achieve their goals.

Direct Phone: (404) 857-2508 
www.SoldbyNat.com Email - Facebook - Twitter - YouTube

Tuesday, November 11, 2014

Realize Tax Savings Sooner

Increase Allowances.pngA homeowner’s tax saving benefit is generally realized when they file their federal income tax return after the money has been spent for the interest and property taxes.  Some people look forward to the refund as a means of forced savings but some people need to realize the savings during the year.

It is possible to adjust the deductions being withheld from the homeowner’s salary so they realize the benefit of the savings prior to filing their tax returns in the form of more money in their pay checks.  Employees would talk to their employers about increasing their deductions stated on their W-4 form.

By increasing the exemptions or deductions, less is taken out of the check and the employee will receive more in each pay check.  If a person over-estimates their exemptions and therefore, underpays their income tax, they might incur interest and would have additional tax to pay when they filed their tax return.

Buyers considering this strategy should seek tax advice and discuss it with their human relations department at work.   Additional information is available on the Internal Revenue Service website about Completing Form w-4 and Worksheets.

For Sale - 5 bedrooms /3 full bathrooms in Lawrenceville, GA

LARGEST split foyer you’ll ever find!


Interior features include...

Exterior features include...
BRAND NEW ROOF (lifetime warranty, architectural shingles), 2 DECKS (one pre-wired for a pool), HUGE FENCED YARD with CYPRESS TREES that will mature for added privacy, NO HOA, and GREAT COMMUNITY in sought after GRAYSON SCHOOL DISTRICT. Hurry, this gem won’t last long!

  Watch the Video Tour

See more pictures - MLS listing

Hurry, this gem won't last long. 
Contact me to today to schedule a showing (404) 857-2508!

Natasha Liburd Bazile is a Realtor with Keller Williams Atlanta Partners and the Lead Home Stager with Heart of Decor in Georgia (virtual services available). She prides herself in being a guide to her clients and finds fulfillment in helping them achieve their goals.

Direct Phone: (404) 857-2508 
www.SoldbyNat.com Email - Facebook - Twitter - YouTube