Waycross Christmas Parade & Getting Prepared

Can you believe folks are putting up decorations (for CHRISTMAS)...I know.  Hey, at least now we have weather to start the mood.  You can find christmas music on Pandora you know any time of year...."It's the most wonderful time, of the year" to sing a bar...I am reminded of the holidays when you walk into our front lobby at the Depot.  That is where our office is-upstairs (and we do have an elevator-it is a little slow). But the elves have been busy getting the lobby ready for the season.  And ready it they have.  The meaning for my note today...it is time to register your entry for the Christmas Parade!  The Waycross parade will be held on 12/8 at 6:30 pm downtown.  Entrys HAVE to be in by 12/3.  Their office # is 912-283-7787 and the email is waycross@dwdaga.org.  I was going to copy & paste the entry form but I think in person would be better-or maybe they can email it to you.  First place WINNERS will receive 300.00 for floats & $150.00 for vehicles.  (REAL MONEY)....So good luck & see you at the parade.  

You are going to get your float ready for the parade - right?  You have to do the same thing in preparing to purchase a property.  A lender is that all important factor.  They can tell you pretty easily after talking with you and running a few numbers the amount of home you can purchase based on your income & debts.  In our business we have to talk about money some times, and folks just don't like the questions.  But like in scouting, it is best to "be prepared" meaning you need to have a few things in order before you start the process.  It is best if you can decide how much of your monthly income you can put toward a purchase.  Your lender may say, "oh you can quality for 1200" but you might only want to spend 800.00.  So get the information they need to determine those factors....your job history, debts, things like that.  If you know you are going to be making a purchase, may be you can pay off a few debts and even save a little for your down payment...it will all help in the long run.  You have many options for lenders.  You have your local bank, other lenders & mortgage brokers, plus on line companies too.  Don't get overwhelmed. It is a process, and if you will try to do one thing at a time, it will all work out in the end.  I wish you all the best in getting prepared for your house hunting & with your float!  Good luck!  George F

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