March, 2020 Congratulations on matching with Emory and welcome to Atlanta, My name is Carol Bennett, and I am an associate with Harry Norman, REALTORS®. As an Accrediated Relocation Specialist, I have assisted many Emory physicians with their real estate needs. Over the past 35 years, the reputation I have developed is one of which I am very proud. You will find, having a real estate professional working with you can be far more productive and less stressful than finding a home via “word of mouth,” driving through neighborhoods or searching the internet without direction. I am excited to tell you 100% Home Loans at 3.5% (for a 7 year ARM) to medical professionals, are once again available for you! I have an ongoing, working relationship with specific lenders offering these loans. These incredible low interest rates make “Home Ownership” more feasible than ever before! It would be my pleasure and privilege to work with you, be it guidance in finding a rental property or securing a home for purchase. Historically, the residents and fellows with whom I’ve worked, have made a good profit when I resold their homes, as they were moving up or leaving Atlanta. I am available day time as well as during evenings and weekends. Let me know how I may be of service! Sincerely Yours,
Carol Bennett, ABR, EC02 Broker, ARS, SMC Lifetime Member Million Dollar Sales Club Senior Marketing Consultant Accredited Relocation Specialist Accredited International Real Estate Specialist 404-386-3903 Direct Carol.Bennett@harrynorman.com
Buckhead Northwest Office | 4401 Northside Parkway | Suite 250 | Atlanta, GA 30327 | HarryNorman.com
RENT vs. BUY Did you realize your $1,500.00 rent check could buy a $265,000 home? Well, it can! The following chart with information provided by a savings and loan institution will show you how. Compare your “Rent vs. Own” net monthly cost. You can easily see how the same cash you may consider spending on rent can be used to purchase a new home! Consider the benefits of investing vs. renting. Of course, many new home shoppers see the subtotal in the “own” column and assume that’s going to be an additional out of pocket expense until their annual tax refund. However, a good accountant can help you decrease the amount of tax withheld from your paycheck which will, in turn, increase your take home pay. This increase is usually more than enough to offset the added expense of your mortgage payment. It’s a great time to invest!! For example, the interest rate on the 100% Doctor Loan is 3.5%, which makes purchasing a home so easy! Ninety percent of your payment goes toward interest allowing you to take full advantage of the tax benefits shown in “how we figured your monthly savings”. As the payments progress, so does the amount of equity built up, providing another method of return on your investment. There has never been a better time to invest in real estate in Atlanta!
RENT - 1 Bedroom
OWN
Purchase Price Down Payment Security Deposit (1 mo. Rent) Initial Loan Amount Mortgage Insurance Total Loan Monthly Costs Monthly Rent Property Tax Homeowners Insurance SUBTOTAL
$0 $0 $1,500 $0 $0 $0 $0 $1,500 $0 $0 $1,500
Tax Savings
$0
TOTAL MONTHLY PAYMENT $1,631.64 Monthly Tax Savings based on 25% bracket per month $241.43 (interest, taxes based on $54,000 Ind. Filer) Monthly Payment After Write Off $1,390.21
NET MONTHLY COST
$1,500
Tax Savings Per Year (Approx.)
Purchase Price Less Down Payment Initial Loan Amount @ 3.5% Financed Mortgage Ins. Premium Loan Amount w/ Mortgage Ins. Prem. Added Monthly Principal & Ins. Payment Est. Monthly Property Taxes Est. Monthly Homeowners Insurance
*=Based on amortization schedule, assuming zero appreciation.
Buckhead Northwest Office | 4401 Northside Parkway | Suite 250 | Atlanta, GA 30327 | HarryNorman.com
$265,000 $0 $265,000 N/A N/A $1,89.97 $321.25 $90
$2,897
For over 30 years Carol Bennett has continued to be the first choice of incoming physicians when selecting their REALTOR®. “I can’t tell you how grateful I am to Carol for guiding me through each step of the process from prequalifying through closing. Carol made the process so easy, not only in negotiating the house I wanted and staying in my preapproved limit even though the asking price was higher. When it was time to upgrade, I called Carol again. And she did it again! I have had another Realtor experience in a different state and trust me, your REALTOR® makes a huge difference. Be wise in your decisions, I would choose Carol all over again!” —One Happy Client and Friend! Belkis Pimentel, MD “Carol was amazing! When we rushed in to Atlanta for a 4 day adventure to try and find a house to buy, she was with us every second, hunting down the perfect house. Carol dealt with me, my husband, my mother, and my mother-in-law without blinking an eye, a task that would foil a lesser REALTOR®! After we bought the house, I thought that would then be the end of our relationship, but I was completely wrong. Carol has stuck with us since moving to Atlanta, and has helped us so much. Every time I have a question about something regarding my house, I email or call Carol, and she responds with helpful advice and tips. I cannot recommend Carol Bennett enough; She will make your home-buying experience fun, easy, and as low-stress as possible.” —Claire Abramoff, MD “My wife and I had the best experience with Carol as our Realtor. She was very responsive from the very start. Not only did she go above and beyond to find us the right place she had our backs to make sure we were treated fairly. When we found our house she made sure everything went as smoothly as it possibly could and when the Sellers did not complete the agreed upon improvements to the house she personally went and made sure those fixes were completed. We have nothing but great memories of our time with Carol .” —Zachary Cline-Egri, MD “I am writing to give my highest recommendation for realtor Carol Bennett. Carol assisted me in finding a home in Atlanta over a whirlwind few days in Spring of 2012, after I found out I had matched at Emory Emergency Medicine Residency! Carol was extremely patient in spending long hours going through countless houses until we found our perfect neighborhood and home. She was great throughout the closing process. She remained an excellent resource throughout my time at Emory, and was always helpful and responsive when home ownership questions came up. She continues to check in and catch up when able. I know she has helped many residents find homes, and all have also had excellent experiences. She has been recognized by Harry Norman REALTORS® for her excellence. I give her my highest recommendation.” —Anna Yaffee, MD Buckhead Northwest Office | 4401 Northside Parkway | Suite 250 | Atlanta, GA 30327 | HarryNorman.com
Carol Ben(404) 386-3903 Direct (404) 240-2757 Office Carol.Bennett@HarryNorman.com CarolBennett.HarryNorman.com
Ranked Top 5% Individual Volume Production - Atlanta Realtors Association consistently ranked branch sales associate of the year - number of units sold A long time resident and one of Harry Norman, REALTORS® Top Agents since 1984, Carol Bennett knows and sells metro Atlanta and the surrounding areas! Dedicated to meeting her clients’ and specific real estate needs through personal integrity, market knowledge, enthusiastic efforts and outstanding negotiating skills has made Carol one of the most Successful Agents in Metro Atlanta.
PROFESSIONAL AWARDS & DESIGNATIONS • Consistently Ranked Top Agent and Honored as Agent of the Month in Listing Volume, Closed Listings, Sales Written and Sales Volume - Buckhead Northwest Office • Education: B.A., Special Education, Ohio University - 4.0 GPA with Honors Post Graduate Studies, Special Education, Georgia State University • Life Member, Atlanta Board of Realtors Million Dollar Club • Awarded The Phoenix Award for 10 yrs in the Million Dollar Club • Awarded The Crystal Phoenix Award for 20 yrs in the Million Dollar Club • Certified Luxury Real Estate Specialist • Senior Marketing Consultant • Accredited International Real Estate Specialist • Accredited Buyer’s Representative • Accredited Relocation Specialist • Short Sale and Foreclosure Resource • Recipient of the Realty Alliance National Sales Award in recognition as one of the leading Real Estate Sales Professionals in America. MEMBER • Atlanta Board of REALTORS® • Georgia Association of REALTORS® • National Association of REALTORS®
Buckhead Northwest Office | 4401 Northside Parkway | Suite 250 | Atlanta, GA 30327 | HarryNorman.com