Gary & Deb Atchley…
Planting Relationships for a Lifetime...

Gary & Deb Atchley believe real estate is a business of relationships. For most, buying or selling a house is the single largest transaction of a lifetime. With every transaction, The Atchley Group establishes a bond of trust with customers and fellow real estate professionals that is exemplified throughout every level of the relationship. From the first meeting, first telephone call or presentation to well after the closing, we believe integrity, professionalism and exceptional customer service is our most desirable asset - and the natural resource for long-term relationships.

Gary & Deb Atchley 2000 REALTOR OF THE YEAR	Gary plants another SOLD sign
The Atchley Group plants for the future	Our family

Professional Designations for Gary Atchley:

• 1994 GRI Graduate Realtor Institute
• 1994 CRS Certified Residential Specialist
• 1995 ABR Accredited Buyer Representative
• 1995 CRC Certified Relocation Counselor

Professional Memberships:

• Member - National Association of Realtors
• Member - Oklahoma Association of Realtors
• Member - Edmond Board of Realtors (Gary is currently President Elect)
• Member - Edmond Chamber of Commerce
• Member - Oklahoma City Metropolitan Listing Service
• Member - RPAC for Oklahoma
• 1993 Alumni of "Leadership of Edmond" (Gary)
• Member - Agents Leadership Council (Gary serves Edmond Keller Williams)

Awards & Honors for Gary Atchley:

Award & Honors for Deb Atchley:

Deb just joined this business after twenty years in healthcare marketing!

• National speaker and accredited member of the Society for Healthcare Strategy and Market Development
• Board Member of the Oklahoma Society of Hospital Public Relations and Marketing 1991-present; President Elect 1997
• Member of the American College of Healthcare Executives
• Silver Touchstone from the American Society of Health Care Marketing and Public Relations
• Bronze Derrick from the Public Relations Society of Oklahoma
• Gold Quill and national speaker for the International Association of Business Communicators

Please Sign Up For The Latest Listings and the Latest Real Estate News

*Your Name:
*Your Email Address:
Send Latest Listings:
Send Latest News:
Your Message or Comments:

* Please note that fields marked with an asterisk are required.

Quick Response Guarantee > We Guarantee Your Privacy > Free & Without Obligation >

Financing Your Home >Qualifying For A Loan It is useful for home buyers to understand the difference between loan pre-qualification and pre-approval. Pre-qualification, which in today's marketplace is usually done by mortgage brokers, means working with the buyers to determine how much they can afford and which loans are the most likely to be available to them. Loan pre-qualification can save buyers time and money and can even be a bargaining tool with a seller. However, pre-qualification is not the same as loan "pre-approval". The mortgage broker can often get the buyer a pre-qualification letter, but pre-approval must be issued by the mortgage lender. Pre-approval means that the lender has definitely committed to loaning the buyer money, once the house itself is approved. Since it is a much stronger pledge, it is a much more valuable negotiating tool. When you hear someone talking about "pre-approval", they are referring to specific acknowlegment by a lender that they are willing to loan the buyer money. The real estate agent can be of assistance in this process. See All Tips In The "Financing Your Home" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What is the average age of a first-time homebuyer in the United States today? A  The average age of a first-time U.S. home buyer is 32 years. See More Real Estate Trivia >