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Home Buying in Dalton : Real Estate Advice

  • All45
  • Local Info4
  • Home Buying15
  • Home Selling0
  • Market Conditions1

Activity 19
Sun Aug 6, 2017
Jenerfier Lovain Pritchett asked:
Mon Jan 11, 2016
Bradley asked:
I have been very unsuccessful at getting definitive answer from online. I am doing this because I'm in my mid-20's and not so great credit but a great job.
0 votes 0 Answers Share Flag
Wed Aug 26, 2015
Tina Payne Ledford answered:
If you take Abutment to Antioch. you'll turn right onto Cavender and its approximately .4 miles on the right
0 votes 1 answer Share Flag
Wed Aug 26, 2015
Tina Payne Ledford answered:
The home listed at 400 Mercer is still active and has been reduced to $169,900.
0 votes 1 answer Share Flag
Sat Aug 9, 2014
Solomon Greene answered:
Hi Jenia

Start by pulling your own credit history for free at Validate the accuracy of all entries for the past three or so years and dispute anything that you find inaccurate. Then review your credit scores for a small fee at If your median is in or above the mid 600s, keep managing your credit well.

In addition, you could attend a home buying class with a HUD certified Housing Counseling Agency. Doing so may make you eligible for the new FHA Homeowners Armed With Knowledge (HAWK) program that helps to get the mortgage insurance premium on your mortgage lowered, which could reduce your closing costs. The eight hour class usually includes two hours of one-on-one counseling with you to understand your wants and needs so that you can get the right loan, property and quality of life that you deserve.

Also be mindful that a large portion of Ringgold qualifies for the USDA Mortgage (100% financing).

If you've confirmed that your credit score is in the mid 600s, then I would recommend contacting a mortgage lender. Otherwise, you'll have a hard inquiry on your credit history which could lower your score.

I hope that this information and the graphic chart at the link below help you better understand the process.
... more
0 votes 2 answers Share Flag
Sun Mar 23, 2014
tshanewebb answered:
The old Camp Hi Life Property! I have been praying that someone would re open it! It has been shut down and vacant for at least 15 yrs. approx. It is at the very end of Sam Love RD. Rocky Face. I have heard rumors that the Shaws bought the property and then decided to leave it vacant and never did anything with it. The last time I was out there about 8 years ago all of the structures were still intact. There's the old girls dorms at top of hill, Pavillion, Cafeteria , the old snack shack, and a good sized house the caretakers use to stay in at bottom of hill as you go in, and north of it a little further into woods are old boys cabins approx 8 or 10 of those, and the horse stables, and old arts and crafts cabins. It also had a large pool and pond on the right as you go in. I dk what shape the structures are in now after being left abandoned for so long. The entrance @ dead end of Sam Love Rd. they have it barricaded. ... more
1 vote 1 answer Share Flag
Mon Oct 14, 2013
Crawford Mcdonald answered:
Sun May 5, 2013
Roger Maier answered:
If you are looking for a realtor, It would be by honor to help you find the perfect home.
0 votes 1 answer Share Flag
Thu Sep 6, 2012
Burkel answered:
Advancial Federal Credit Union should be able to assist with our Immigrant / Expatriate loan program

This program is for professional immigrants entering the USA on an acceptable visa.
No SSI or TIN number required.
No credit score is required.
We do not have restricted markets. Product is available in all 50 states.
Loan sizes up to $3,000,000.00 allowed.
20% down payment to $1,500,000.00 loan size.
Foreign assets are considered on a case by case basis for reserves and down payment.
We will qualify on offer letters and / or first paystubs.
John Burkel - 972-201-1645
... more
0 votes 2 answers Share Flag
Thu Aug 23, 2012
chris oliver answered:
You have the right to choose your attorney but the bank will insist on using theirs & that will control the hud usually. This would make it advisable to try to negotiate some closing costs in your offer. Generally, the banks want the buyers to pay all closing costs but may negotiate anyway. ... more
0 votes 6 answers Share Flag
Mon Jul 25, 2011
Annette Levinson answered:
You need a kinowledgeable loan officer to go over your last 2 years tax returns to see what is your income for mortgage purposes. Also the loan officer needs to see your credit report to see what your monthly expenses are. Then they can tell you what you qualify for. ... more
0 votes 3 answers Share Flag
Sun Jul 3, 2011
Michael Williams answered:
Hey Wendy, it really depends on your credit and the details of your situation. "Easier" might not necessarily be the best decision to make. In most cases, the smartest financial decision would be to purchase a home, especially with rates being so low right now. Give me a call or send me an email, I'd be happy to discuss your situation and get you in touch with a reputable lender who can help you through the process! - Michael Williams, Kinard Realty, 706-271-6549, ... more
0 votes 4 answers Share Flag
Wed Mar 30, 2011
Octavio Perez, CRS, GRI answered:
Your S. S. income is a good source of income.
Please feel free to e-mail your information to
You can call my cell 706-218-7913.
0 votes 3 answers Share Flag
Thu Mar 17, 2011
Octavio Perez, CRS, GRI answered:
Yes you can, call me to set an apoiment at 706-218-7913 cell
A home will be easier than a trailer.
0 votes 5 answers Share Flag
Mon Apr 5, 2010
Michael Hammond answered:
That is an excellent question for a mortgage lender. Please consider calling one or both of these. Good Luck!

Jay Posey
Your Mortgage Advisor
PHH Mortgage, Inc
Phone: 404-992-5462

Chuck Ewing
Senior Mortgage Planner
Community Mortgage Services
Phone: 770-241-1700
Fax: 678-623-0960
... more
0 votes 1 answer Share Flag
Mon Jun 29, 2009
First you need to get prequalified with a lender. Then you should ask your friends/family for suggestions and meet with a few realtors. There is no benefit to you going at this alone as it is the seller that pays your realtor commission. ... more
0 votes 6 answers Share Flag
Thu Jun 11, 2009
Joe Swanson answered:
I work for Coldwell Banker Kinard Realty, in Dalton.
Give me a call at the office, and ask for Joe Swanson. (706) 226-5182.
I would love to help you find something.
0 votes 2 answers Share Flag
Wed Apr 29, 2009
John Cobb answered:
Minimum credit score is very strict in getting your foot in the door - Minimum credit score for getting a home loan is 600 unless you are getting a VA Loan. If you are not getting a VA Loan then minimum credit score is 600 ... more
0 votes 2 answers Share Flag
Mon Apr 13, 2009
James Dudley answered:

You have a great question here.

A lender will be able to work with you to help you get your answer. If you need a reference for a good lender I will be happy to provide you with several.

My gut on this one tells me no, but I'm not a lender. This most likely depends on how much you owe and what your debt to income ratio is.

James Dudley
ERA Sunrise Realty
... more
0 votes 3 answers Share Flag
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