Daily Ringgold, Georgia Mortgage Rates for 1.31.23
30 Day Range
5.763% - 6.527%
30 Day Range
4.979% - 5.895%
30 Day Range
5.712% - 6.417%
30 Day Range
5.266% - 6.243%
7 Steps to Buying a House in Ringgold, Georgia
If you want to know how to buy a house in Ringgold, Georgia, you've come to the right place!
When you begin thinking about buying a home, it’s not hard to let your emotions get the best of you. In a matter of seconds, you’re stalking homes on your home-browsing app, changing your route to work to do drive-bys on those houses you like, and even looking up some interesting mortgage options that are going to get you into that home with little to nothing down.
It can be incredibly easy to get yourself into a home that you can't really afford, and that is the number one cause of people not being able to build that long term wealth. This is why knowing the steps of the home-buying process can help you make some smart decisions when buying your next home.
Let’s be honest. Buying a home can be a confusing and frustrating process.
Do you ever ask yourself, “What do I need to do to buy a home in Ringgold, Georgia?” or “Who will give me a home loan in Ringgold, Georgia?” Great News! You've found the answer with Moreira Team! We are mortgage brokers in Ringgold, Georgia.
That is why we have made it our purpose, for more than a decade, to provide our clients with the best mortgage experience possible. We have the home-buying know-how to make the home buying process a “done-for-you” experience. Getting a mortgage with us is actually a lot easier than you might think, and we have programs available for every situation. We shop your loan with over 22 different lenders and banks to make sure we deliver on our promise to get you the best deal. That means you save money, get a lower rate, and spend less money out of pocket. Our guarantee is to provide you with a transparent and easy home buying experience, and our promise is to find you the best deal.
Here are 7 easy steps to get you started on your home purchase:
Get Your Finances In OrderBuying your first home, or your next home is a HUGE deal! You absolutely have to know how much you can afford and how much you may need to save to get into your next house.
Get Preapproved for Your MortgageIn a quick conversation with you about your income, credit and down payment, a mortgage advisor will be able to pre-qualify you for your mortgage right on the spot. Call 404-238-7888 to talk to a licensed mortgage advisor to get a custom strategy on how to make your home purchase a reality. Get Pre-Approved
Find the Right Real Estate AgentStarting your home buying journey online is a great place to start. But having a local expert in the feild is a must. We can help connect you with a local, Ringgold, Georgia Real Estate Agent who can help you find your next home.
Go House HuntingYour finances are solid, you've been preapproved and you have an expert on your side. It's time to go house hunting! Try making some lists, doing some research and asking questions.
Submit an OfferOnce you’ve found the right home, it’s time to get serious! That means submitting an offer and signing a contract agreement with the sellers.
Get a Home Inspection and AppraisalIf you've made it this far, you are officially unde contract! But now that you're under contract there is still some things to take care of, like a home inspection, appraisal and final mortgage approval.
Close on Your HouseThis is it! All your hard work is done and now you have to sign the papers, take care of any payments and the keys are yours!
Find Out How Much Home You Can Afford
A mortgage calculator can help you see how much mortgage you can afford on your home. It can also help you figure out how much you can save by exploring different down payment and term options. Below we have a mortgage calculator and an affordability calculator. Feel free to play around with some numbers. And if you have any questions or want to talk more about your options give us a call or schedule a time to talk with a licensed mortgage advisor.
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The Home Buying Process Explained
So, you’re ready to buy ahome? Are you a first-time homebuyer, relocating, or maybe buying something larger for your growing family? No matter the reason, knowing the steps it takes to buy a home is a must.
Step 1: Get Your Finances in Order
Buying a home is a big deal. Probably one of the biggest purchases you’ll make during your lifetime. Are you sure you’re ready? Answering two simple questions can help you figure it out.
How much money do you need to buy a house?
When you buy a home, you become your own landlord. While that does mean you can paint your walls any color you want, it also means you’re responsible for any repairs. You’re also going to need your savings for a down payment in order to get a mortgage. Twenty percent of the home purchase price is ideal, though some programs require less. If you’re looking at $300,000 properties, ideally you’ll want a 20% down payment of $60,000. Home purchases require the payment of closing costs and prepaid property taxes and insurance as well.
Closing Cost Calculator
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All information and results provided by this Closing Cost Calculator are estimates only. They will in no way accurately reflect actual closing costs. This calculator is to be used only to establish and estimate of closing costs. There are many unique factors that will affect the actual cost.