Virtual Properties Realty

How Much House Can I Afford on a $100k Salary?

Couple in their thirties reviewing figures on a laptop and notepad at a kitchen table in morning light

Almost certainly more than the calculators are telling you. The figure most sites anchor to, the 28/36 rule, is a household budgeting heuristic borrowed from personal finance writing. It is not an underwriting standard, and no lender applies it. Actual program limits run far higher, they differ from one program to the next, and the … Read more

What’s the Difference Between a Listing Agent and a Buyer’s Agent?

Two chairs facing each other across a table, representing the two sides of a real estate negotiation

A listing agent represents the seller. A buyer’s agent represents the buyer. Both hold the same Georgia real estate license, complete the same continuing education, and are legally qualified to do either job. The difference is not training — it is who the agent owes fiduciary duty to in that specific transaction. That distinction matters … Read more