Then

%. -Then & Now> Amazing Changes for Hoe Home Buyers 2006 2012 Home mortgage payments are at an all time low, affordability is at an all 2006 Average Home time high. 2012 Average Home Price- $171,000 Price- $96,000 MortgageLenderAtlanta.com to get your free rate quote. 6.5% Fixed rate: 3.5% Fixed rate: $1,043 payment Average home price information for $416 payment Atlanta from National Association of Realtors * Hints of a Bottom in Home Prices The median price of ex- isting homes sold in the United States in April was $178,000, the Na- Price of existing homes sold National median, through April 2012 Change in home prices In the 20 largest metropolitan areas MEDIAN HOME PRICE IN THOUSANDS $250,000 20 2011- PERCENTAGE 1Q 2012 METROPOLITAN 10 2006- AREA 4Q 2006 CHANGE San Francisco $754 $479 - 37% tional Association of Re- New York 469 375 - 20 Monthly - 200 San Diego Boston altors reported this 601 367 39 403 340 16 Washington - 24 week. While the 430 327 monthly figures are vola- tile, that was the highest figure in 20 months, and the average of the 12 most recent figures has also begun to rise. Only in the two major Texas Los Angeles - 48 577 299 12-month average 150 4 Seattle 362 277 24 Baltimore Philadelphia 279 230 17 229 207 Miami 372 185 50 100 Chicago Riverside, Calif. 402 Houston Minneapolis 173 173 156 272 57 5 149 - 232 - 154 34 50 Dallas 149 149 markets, however, are median prices now at or above where they were in 2006. Tampa Phoenix St. Louis - 41 - 55 226 134 267 119 147- 119 19 Atlanta 171 - 96 44 01 '05 07 11 Detroit 152 54 - 64 Then and Now--Amazing Changes Old Price Old Rate Old Price New Price New Price Nice Family Home New Rate Old Rate New Rate Sales Price 175,000 175,000 175,000 95,000 95,000 Percent Down Term 1st Loan Amt Int Rate APR 3.500% 360 93,279 6.000% 6.872% 3.500% 360 93,279 3.500% 4.641% 3.0% 360 3.500% 360 171.829 3.500% 360 171,829 6.00% 6.872% 171,829 3.500% 4641% 6.000% 5,250 5,250 3,500 3,500 Pre-caids Down Payment Total Money Needed $ 6. 125 3,325 6,125 11,375 6.125 3,325 6,825 11.375 11.375 6,825 Seller Paid Costs Down Payment GiftS Total Seler Contribut S Cash Needed 5,250 5,250 3,500 3.500 Mortgage Lender Aflanta 5.250 5.250 $ 11,376 3,500 3,325 3,500 3,326 6,126 6,125 24 $769 $1,025 $107 $40 $179 $1,352 $556 Principal and Interest Property Taxes Hazard Insurance Mortgage Insurance Total Pmt $1,025 $107 $40 $418 $107 $40 $107 $107 $40 $40 $79 $179 $97 $97 $1,251 www.mortgagelenderatlanta.com $1,096 $801 $662 Mortgage Payments 50% off from their highs in 2006/2007 FINANCING DREAMS One Home Loan At A Time!