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Rob’s Rescues This dog’s name is Panda. She is black and white. She is quite energetic, and should be an only dog. She is 3 years old and hasn’t had the best life. She is thin, and has been bred. She would make a great family dog with a lot of attention and good training. This cat’s name is Jillo. She is 13 years old. She is very affectionate, and will wrap her arms around you when you hold her. This cat needs to get adopted! It is a priority. Panda and Jillo are at Cobb County Animal Services.

From left, Collins Puckett, Camden Browning, T.H. Marovich, Colin Hollie, Kendall Ripley, Ella Kate Perryman, Baylee Heil and Rob meet to assemble feral cat shelters.

Catch me on YouTube! I had friends help me build feral cat shelters for a project to help Hope Lewallen of Dalton Feral Cats (on Facebook @ daltonferalcats). We built feral shelters, and, then, I took them to Dalton, Georgia. We put them in places where feral cats live to hopefully give them shelter during the winter. This project was filmed by Dreampost Films for the Dr. Good Unleashed Video series. You can watch Episode 1.36 on YouTube. www.youtube.com/ watch?v=KpdTpghFosk.

Rob Macmillan is on a mission to help shelter dogs and cats. www.robsrescues.com. On Facebook @robsrescues.

Preparation is Key to Home Buying BY JAY WHITE

A home is the largest asset most people own in America, so buying one is an exciting event. However, not being properly prepared can lead to a very stressful experience. Being properly prepared will not only reduce stress and make the experience enjoyable, it also gives you leverage in negotiations and will separate your offer from others. Pre-qualifications are no longer enough to have your offer accepted in this extremely competitive market. You must be fully approved to make an offer on a home these days.

• Income documentation – Depending on your situation, the level of documentation will vary.

• Assets – Where is the down payment and closing costs owed at closing coming from? These accounts need to be verified. The steps above will ensure a full approval for your mortgage application, pending the appraisal and a clear title. With these steps completed, you will be on your way to buying your dream home. Partnering with the right lender as well will be crucial, as some do full approvals in 24 hours or less. Lenders can assist with additional strategies to help you leverage your position of being fully approved in order to help you beat the competition.

A full approval requires the following: • Full mortgage application.

• Mortgage credit check – Your credit score you see online is not the same as a mortgage credit score. These are totally different scores in most cases. 44

AROUND ACWORTH | February 2021

Jay White, top 1% in the nation in mortgage originators according to Mortgage Executive magazine, has 19 years of experience and is a multimillion dollar producer for Bay Equity Home Loans.

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