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Live and Own in Metro Atlanta

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<p>Why choose Aerie Realty as your Atlanta licensed real estate professionals?  Simple.</p>
<p>We are your ownership advocates in Metro Atlanta real estate.  That means we are on your side, fighting for your best interests whether you are buying your first Atlanta home, selling to move up, or building a real estate investment portfolio in Georgia.</p>
<p>Less is more here.  While big Atlanta real estate brokerages shuffle you between agents, we keep it simple.  Small team, real relationships, actual attention to your specific real estate situation.</p>
<p>We listen first. No high-pressure sales pitches from our Realtors. We figure out what you need for your Metro Atlanta property goals, then solve it.</p>

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<p>We will walk you through every step of the real estate process, no confusing jargon, no surprises. Just straight talk and results for your home buying or selling needs.</p>

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<p>Need someone to look at the market options without the sales pressure? That is what we are here for.  Real advice for real estate situations.</p>

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<h2 style="white-space:pre-line;text-align:center"> EXCEEDING EXPECTATIONS</h2>
<p>Here is how we work as your real estate team:</p>
<ul>
<li>We listen-Tell us your real estate situation, your timeline, your concerns</li>
<li>We strategize-Based on current specific market conditions and your specific property needs</li>
<li>We execute- Handle the real estate detaills so you do not have to stress about them</li>
<li>Goal acheived- You get where you wanted to be in the metro Atlanta market.</li>
</ul>
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Recent blog posts

Businessmen and real estate agents discussing documents signing a legal purchase of a house.

<h2>Understanding Seller's Equity</h2><p>Seller's equity refers to the portion of the sale price of a property that the seller receives after all obligations, such as mortgages and liens, are paid off. This equity is essentially the profit a seller makes from the sale. However, in real estate transactions, there can be practices that might affect how much equity a seller actually retains. One of these practices is the concept of "stripping" the seller's equity.</p><figure id="figure-2efvtqetqmmclc1geq"><img id="2efvtqetqmmclc1geq" src="https://cdn.durable.co/getty/13qdXRoeybfRzkAdrKj30tOwFelu2fxKE82MJRTi9tzwtPr8heI3IQpqwgteXXIf.jpeg" alt="real estate transaction" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9;" data-mce-src="https://cdn.durable.co/getty/13qdXRoeybfRzkAdrKj30tOwFelu2fxKE82MJRTi9tzwtPr8heI3IQpqwgteXXIf.jpeg" data-mce-style="aspect-ratio: 16/9;"></figure><h3>What is Equity Stripping?</h3><p>Equity stripping is a financial strategy where the buyer or a third party reduces the seller's equity before the transaction is completed. This practice can occur through various means, such as aggressive negotiation tactics, additional fees, or through legal loopholes. While some see it as a savvy business tactic, others question its ethical implications.</p><h3>Methods of Stripping Equity</h3><p>There are several methods through which equity stripping can occur:</p><ul><li><strong>Undervaluing Property:</strong> Buyers may attempt to undervalue the property to reduce the overall sale price, impacting the seller's equity.</li><li><strong>Excessive Fees:</strong> Imposing high fees for services purportedly required for the transaction can eat into the seller's profits.</li><li><strong>Legal Manipulation:</strong> Utilizing legal loopholes to reduce the amount payable to the seller.</li></ul><figure id="figure-zyvqhzrd0hmclc1mnb"><img id="zyvqhzrd0hmclc1mnb" src="https://cdn.durable.co/getty/26EOa5GFdrBQkcXbvKFsDPAuRxBHtj85lyFxofU6tHYYq8qW4wuk0oUeJf0pxw7i.jpeg" alt="real estate negotiation" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9;" data-mce-src="https://cdn.durable.co/getty/26EOa5GFdrBQkcXbvKFsDPAuRxBHtj85lyFxofU6tHYYq8qW4wuk0oUeJf0pxw7i.jpeg" data-mce-style="aspect-ratio: 16/9;"></figure><h2>The Ethical Considerations</h2><p>The ethics of stripping the seller's equity often come into question because it directly affects the financial gains of the seller. In many cases, sellers may not be fully aware of how their equity is being diminished until it's too late. It raises important questions about transparency and fairness in real estate transactions.</p><h3>The Impact on Sellers</h3><p>Sellers, particularly those who are inexperienced or under financial duress, can suffer significantly from equity stripping. They may end up with far less money than expected, which can have a lasting impact on their financial well-being. This practice can also damage trust in real estate markets as sellers become wary of potential exploitations.</p><figure id="figure-z10h8qkp3mclc1pt0"><img id="z10h8qkp3mclc1pt0" src="https://cdn.durable.co/getty/2a0JHu3bo8dqHKxPrX0eI5zoRjE1V0HTgWkt6npYvQkgi4EgAByY20DoZ7L5srmc.jpeg" alt="financial stress" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9;" data-mce-src="https://cdn.durable.co/getty/2a0JHu3bo8dqHKxPrX0eI5zoRjE1V0HTgWkt6npYvQkgi4EgAByY20DoZ7L5srmc.jpeg" data-mce-style="aspect-ratio: 16/9;"></figure><h2>Regulatory Safeguards</h2><p>To combat unethical practices in real estate transactions, various regulations are in place. However, enforcement and awareness remain challenging aspects. Sellers should ensure they understand the terms of any agreement and seek professional advice when necessary. Additionally, advocating for stronger regulatory frameworks can help protect sellers from losing their rightful gains.</p><h3>How Sellers Can Protect Themselves</h3><p>Here are some strategies sellers can use to protect their equity:</p><ol><li><strong>Hire a Reputable Real Estate Agent:</strong> An experienced agent can provide guidance and ensure transparency throughout the transaction.</li><li><strong>Understand Market Value:</strong> Sellers should be knowledgeable about their property's market value to avoid undervaluation tactics.</li><li><strong>Consult Legal Professionals:</strong> Legal advice can help sellers understand complex agreements and identify potential red flags.</li></ol><h2>The Future of Real Estate Ethics</h2><p>The question of whether stripping the seller's equity is ethical remains contentious. As real estate markets evolve, continuous dialogue about ethical practices is essential. Encouraging transparency and fairness will benefit both sellers and buyers, fostering a healthier and more trustworthy market environment.</p><p>Ultimately, the responsibility lies with industry professionals and regulatory bodies to ensure that real estate transactions are conducted ethically, safeguarding the interests of all parties involved.</p>

Is Stripping the Seller's Equity Ethical?

Buying or selling real estate for bitcoin cryptocurrency

<h2>Understanding Crypto-Backed Mortgages</h2><p>The evolution of cryptocurrency has not only reshaped the financial landscape but also started to influence the real estate market. A new concept that is gaining traction is the crypto-backed mortgage. With more investors holding significant amounts of digital currency, leveraging these assets to secure a mortgage is becoming an intriguing possibility. But what exactly is a crypto-backed mortgage, and how does it work?</p><p>Essentially, a crypto-backed mortgage allows borrowers to use their cryptocurrency holdings as collateral for a home loan. This approach provides an alternative to traditional mortgages, which typically require a down payment and extensive credit checks. By using cryptocurrency, individuals may have the opportunity to access larger loan amounts or more favorable interest rates.</p><figure id="figure-wb2meiuyifmcdytpeh"><img id="wb2meiuyifmcdytpeh" src="https://cdn.durable.co/getty/22jAZVZOWH1A4Q82yeA6XqXuZZ07hmNEWx9C7fPge5f85NFKv2vjm6i7faSbKTt8.jpeg" alt="crypto mortgage" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9;" data-mce-src="https://cdn.durable.co/getty/22jAZVZOWH1A4Q82yeA6XqXuZZ07hmNEWx9C7fPge5f85NFKv2vjm6i7faSbKTt8.jpeg" data-mce-style="aspect-ratio: 16/9;"></figure><h2>The Mechanics of Crypto-Backed Mortgages</h2><p>Crypto-backed mortgages operate similarly to secured loans. When an individual opts for this type of mortgage, they pledge their digital assets as collateral. The lender evaluates the value of the cryptocurrency and offers a loan based on that amount. This arrangement can be beneficial for those with substantial crypto portfolios who wish to diversify their investments into real estate.</p><p>However, it's crucial to understand that the volatility of cryptocurrencies can pose significant risks. If the value of the pledged cryptocurrency falls below a certain level, borrowers may face a margin call, requiring them to provide additional collateral or risk liquidation of their assets.</p><h3>Key Benefits of Crypto-Backed Mortgages</h3><p>Crypto-backed mortgages offer several potential advantages:</p><ul><li><strong>Access to Liquidity:</strong> Investors can leverage their cryptocurrency holdings without having to sell them.</li><li><strong>Potentially Lower Interest Rates:</strong> Some lenders may offer competitive rates due to the collateralized nature of the loan.</li><li><strong>Diversification:</strong> Investors can diversify their portfolio by entering the real estate market while maintaining their cryptocurrency investments.</li></ul><figure id="figure-8pqezp6nimmcdyttks"><img id="8pqezp6nimmcdyttks" src="https://cdn.durable.co/getty/38tjTrIUQuYCtlcZC7x107GP4r5Y5cDmaqXoyQU82NQ0ctH2u91xFiQgnbWSroJe.jpeg" alt="cryptocurrency real estate" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9;" data-mce-src="https://cdn.durable.co/getty/38tjTrIUQuYCtlcZC7x107GP4r5Y5cDmaqXoyQU82NQ0ctH2u91xFiQgnbWSroJe.jpeg" data-mce-style="aspect-ratio: 16/9;"></figure><h2>The Challenges Involved</h2><p>Despite the benefits, several challenges are associated with crypto-backed mortgages. The primary concern is the inherent volatility of digital currencies. A sharp decline in value could result in unexpected financial strain for borrowers. Additionally, regulatory uncertainty surrounding cryptocurrencies complicates the landscape, potentially affecting both lenders and borrowers.</p><p>Another challenge is the limited number of lenders offering these types of mortgages. While interest is growing, the market is still relatively niche, and options remain limited compared to traditional mortgages. Prospective borrowers need to conduct thorough research to find lenders who are willing and able to accommodate crypto-backed loans.</p><h3>The Future of Crypto-Backed Mortgages</h3><p>Looking ahead, the future of crypto-backed mortgages seems promising as more lenders explore this innovative approach. As the cryptocurrency market matures and stabilizes, we might see increasing adoption of these types of mortgages. This could lead to more competitive terms and greater acceptance among borrowers and investors alike.</p><figure id="figure-4jci9hyz7dmcdytzca"><img id="4jci9hyz7dmcdytzca" src="https://cdn.durable.co/getty/17fZZxz5s5NQPz3Aj1relHA4kZ55jM4LV6JUoUrLyG3e1817crqcZQzLSNyjj4mo.jpeg" alt="future finance" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9;" data-mce-src="https://cdn.durable.co/getty/17fZZxz5s5NQPz3Aj1relHA4kZ55jM4LV6JUoUrLyG3e1817crqcZQzLSNyjj4mo.jpeg" data-mce-style="aspect-ratio: 16/9;"></figure><p>The ongoing development of blockchain technology and digital asset regulation will play a significant role in shaping this market's future. As policies become clearer and more robust, we can expect an environment more conducive to crypto-backed financial products.</p><h2>Conclusion</h2><p>Crypto-backed mortgages are an exciting development in the intersection between digital currency and real estate. They offer unique opportunities but come with their own set of challenges. As the market evolves, potential borrowers should stay informed about both the benefits and risks involved. By doing so, they can make educated decisions that align with their financial goals and risk tolerance.</p>

Exploring the Reality of Crypto-Backed Mortgages

Real estate agent showing an apartment to a couple.

<h2>Understanding Appreciation in Real Estate</h2><p>Appreciation refers to the increase in the value of an asset over time. In the real estate market, appreciation is a critical factor that affects both buyers and sellers. Understanding appreciation can help you make informed decisions whether you're purchasing a property or planning to sell.</p><figure id="figure-maq6xfy0amccr2wvi"><img id="maq6xfy0amccr2wvi" src="https://cdn.durable.co/getty/25NXdwIS58rfccAWDw0UDdJWN2q0NQourEpAPOAAe6OqASuGQQQ0vSHd0qgjSgaJ.jpeg" alt="real estate appreciation" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9;" data-mce-src="https://cdn.durable.co/getty/25NXdwIS58rfccAWDw0UDdJWN2q0NQourEpAPOAAe6OqASuGQQQ0vSHd0qgjSgaJ.jpeg" data-mce-style="aspect-ratio: 16/9;"></figure><h3>What Drives Real Estate Appreciation?</h3><p>Several factors contribute to the appreciation of real estate. One of the primary drivers is <strong>supply and demand</strong>. When there are more buyers than available properties, prices tend to increase. Another factor is the local economy. A growing economy with job opportunities attracts more people, increasing demand for housing.</p><p>Additionally, infrastructure development such as new roads, schools, and public transportation can enhance property values. Properties located in areas with good amenities and low crime rates are also likely to appreciate faster.</p><h3>Why Appreciation Matters to Buyers</h3><p>For buyers, understanding appreciation is crucial because it impacts the long-term value of their investment. A property that appreciates significantly can offer substantial returns if sold in the future. When choosing a home, buyers should consider factors that may influence future appreciation, such as neighborhood developments and economic trends.</p><figure id="figure-oqz1eba57mccr2ylt"><img id="oqz1eba57mccr2ylt" src="https://cdn.durable.co/getty/14q7Oa0A5bm9mdToUtBns6MWbTHBT0WPYHQU5scd92B8WjidxAoG44DcBzHFuVfO.jpeg" alt="buying property" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9;" data-mce-src="https://cdn.durable.co/getty/14q7Oa0A5bm9mdToUtBns6MWbTHBT0WPYHQU5scd92B8WjidxAoG44DcBzHFuVfO.jpeg" data-mce-style="aspect-ratio: 16/9;"></figure><p>Moreover, appreciation can affect financing options. As property values rise, so does equity, potentially allowing homeowners to refinance at better rates or take out home equity loans for other investments.</p><h3>The Seller's Perspective on Appreciation</h3><p>Sellers benefit from appreciation by potentially selling their property at a higher price than they initially paid. This profit can then be reinvested into another property or used for other financial goals. Timing is essential; selling during a high-appreciation period can maximize returns.</p><p>Sellers should also be aware of market conditions and trends. Understanding when a market is peaking or declining can help sellers decide when to list their properties for optimal gain.</p><figure id="figure-pt4ujd64zmccr33oy"><img id="pt4ujd64zmccr33oy" src="https://cdn.durable.co/getty/2dednRrQEsoxwaPx4m5GMmlDECD9LY6313CLOAHjuyGvV3ojSQNGy0Q2pkTapsnM.jpeg" alt="selling property" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9;" data-mce-src="https://cdn.durable.co/getty/2dednRrQEsoxwaPx4m5GMmlDECD9LY6313CLOAHjuyGvV3ojSQNGy0Q2pkTapsnM.jpeg" data-mce-style="aspect-ratio: 16/9;"></figure><h3>Market Trends and Historical Data</h3><p>Keeping an eye on market trends and historical data is essential for both buyers and sellers. Analyzing past appreciation rates can provide insights into potential future performance. Various tools and resources are available to help track these trends, including real estate websites and professional assessments.</p><p>Additionally, engaging with a real estate agent who has local market knowledge can be invaluable. They can offer advice on which areas are likely to see the most growth based on current and projected market conditions.</p><h3>Navigating Risks and Challenges</h3><p>While appreciation offers significant benefits, it's important to be aware of potential risks. Market fluctuations can impact property values unexpectedly. Economic downturns or changes in interest rates can slow down appreciation or even lead to depreciation in some cases.</p><p>To mitigate risks, it's advisable to diversify investments and not rely solely on property appreciation for financial growth. Having a well-rounded investment portfolio can provide stability even if the real estate market faces challenges.</p>

Live and Own in Metro Atlanta

Real Estate Services

EXCEEDING EXPECTATIONS

Recent blog posts

Is Stripping the Seller's Equity Ethical?

Exploring the Reality of Crypto-Backed Mortgages

Understanding Appreciation: What Buyers and Sellers Need ...