! PLEASE ALSO NOTE: This was meant to simply display images which I

generated for the Client after reading his online text-only article; this slide show was intended to enhance in-person presentations given by the author. The article can be seen at: www.mortgagelenderatlanta.com/08/atlanta-first-time-home-buyers-time-to-act/

! PLEASE NOTE: This deck matches the Client’s website (www.mortgagelenderatlanta.com)

What is the local

housing market doing?

8/30/2012 3

What are mortgage rates

going to do?

LET’S TAKE A LOOK AT

THESE KEY AREAS

Down Payment

8/30/2012 6

Saving Up?

Being gifted?

7

Other Debt

Anything can happen!

Job Stability

8/30/2012 8

Happy workers! Secure jobs!

Family Considerations

9

We’ve only just begun …

Other Questions

2006 Atlanta Housing Market

8/30/2012 11

Examining Trends

8/30/2012

Case-Shiller Stats

8/30/2012

Metro Atlanta Projection

8/30/2012 14

Source: CNN Money

Market fundamentals

Median Family Income (First quarter 2012)

Median Home Price (First quarter 2012)

Change in Home Prices (From first quarter 2011 thru first quarter 2012)

Worst 1-Year Home Price Change (1980-2012) (2012:Q1)

Atlanta-Sandy Springs-Marietta, GA

Metropolitan Statistical Area

Forecast change: first quarter, 2012 – first quarter, 2013

Forecast change: first quarter, 2013 – first quarter, 2014

-1.4%

+8.2%

$65,000

$104,000

-17.4%

-17.4%

http://cgi.money.cnn.com/tools/homepricedata/index.html

Projected Home Prices

16

Now or Later?

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8/30/2012 18

Mortgage rates are at “sea level”!

In other words, they’re at an all time LOW!!