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Ringgold : Real Estate Advice

  • All28
  • Local Info2
  • Home Buying12
  • Home Selling0
  • Market Conditions1

Activity 21
Sat Mar 25, 2017
Gregg Pomeroy answered:
Hello, I'm a mortgage professional.

It is possible to get a 203k done in about 6 weeks. I can lend nationwide.

You are welcome to get in touch with me if you have any questions or would like help with this. ... more
0 votes 1 answer Share Flag
Fri Apr 22, 2016
DancrDave2 asked:
Is it possible to buy a house with a credit rating of 580? If so, what programs are available to help?
0 votes 0 Answers Share Flag
Sun Mar 20, 2016
Marlyncudd12 asked:
Thu Sep 17, 2015
Mdestinyp0810 asked:
Sun Nov 16, 2014
Peach769602 asked:
Thu Sep 11, 2014
Susan Mellor answered:
In April of 2011 there was a deadly tornado that came through south of Chattanooga. Downtown Ringgold was devastated, coming east, up Cherokee Valley, many homes were destroyed and lives were lost. Sad time, lots of loss, including old hardwoods. ... more
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Mon Aug 11, 2014
Maddieerinn asked:
Home Buyer in Ringgold, GA
How much is it to build a 2 bedroom house with a bonus room in 30736 on own land?
0 votes 0 Answers Share Flag
Sun Aug 11, 2013
Joycelewis412 answered:
VA home loan differs from every lender. I would suggest that you shop around and get one with good feedback/reviews. Get a referral, if you can.

Check if you qualify for mortgage. Try ... more
0 votes 4 answers Share Flag
Sun May 12, 2013
Laura Rosales answered:
Hi Yecamp,
I just took a look at the link to your property and it is showing a year build on your home of 1993. Keep in mind that all of the data Trulia pulls is from public records from your local tax authority and they do not manually enter this information. I hope this helps. Best Regards, Laura Rosales-Austin Texas Realtor ... more
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Mon Dec 10, 2012
Steve Toker answered:
The process in Georgia is that when there is an accepted offer on a property, it is us ually with a "due dilligence" period. The buyer has some time to complete inspections and obtain other information about the home, such as is it in a high risk flood area? That is known as the "contingency" period and the home is still shown as "active, contingent." I believe that Trulia and other sites still carry it as active.

The next step is when all contingencies have been removed, but the sale has not completed, known as the "pending" period. At this point, it's waiting for all details such as buyer's paperwork to be completed. Still not sold at this point, but likely to close the transaction. In my 30+ years in this profession, I have seen dozens, if not tens of dozens of transactions fail while pending.(not mine, mind you. Well ... one or two) S0 you can see why they are not shown as "sold" yet, even though the seller generally doesn't want to take further offers.

And, last. At last! Closing. Where the lender funds the new loan, the seller hands over a new warranty deed, and the buyer gets the keys. The listing agent is SUPPOSED to change the status from pending to sold in the MLS. Sometimes, they don't do it right away. (Mea Culpa) From then is the time it takes the MLS feed to get to all the sites such as Trulia and for the site to change the status to "sold"

The good news is that it only takes seconds for your favorite agent to verify status. If your favorite agent doesn't do such tasks for you joyfully, happilly, pleasantly and with vigor, put him/her in the other list and find a new agent. May I suggest ... ?
... more
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Mon Apr 16, 2012
Interested answered:
let us assume the house is averaged out at 1600 total sq feet... that would be a total of $6,400.00...
If, you had the comps that were used to get the value you would know or see how the $6,400.00 came to be... ... more
0 votes 11 answers Share Flag
Mon Nov 21, 2011
Cassandra Dennis answered:
As apart of the Short Sale process you have an opportunity to state your case through a Hardship Letter, explaining your current situation and why you are unable to afford to continue the payments on your home and ask to be forgiven for the balance remaining if a short sale offer is accepted by the bank (make sure this verbiage is in the Special Stips of the offer, in Georgia we have a Short Sale Exhibit, which covers this verbiage). Since you and your wife have filed bankruptcy, speak with your bankruptcy attorney regarding your situation, he or she should be able to provide insight as to how you are protected under the bankruptcy laws in your state. Also, go to, they have information on their website about Mortgage Forgiveness Debt Relief Act of 2007, which President Obama signed off on; but do your due diligence in researching this and asking your bankruptcy attorney and a tax professional questions. ... more
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Mon Aug 8, 2011
John E. Miller answered:
yes, this would be a pre foreclosure. Talk to the owner of the home get to see if they are willing to sell now and avoid all legal mess. A agent would be needed for this which this would be the same as a regular purchase with out the bank getting involved. ... more
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Wed May 25, 2011
Martin H. Thomas answered:
Hello Donny,

For many reasons, a home's status may change to "Off Market" or "Pending", but until it says "SOLD" don't give up. Locate the listing again in Trulia, and click on the "Follow Home" tab right next to the contact agent button. This will alert you of all status changes, and if and when the house does come back on the market as "Active" you will be the first to know.

Good Luck!
... more
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Tue Apr 26, 2011
Brad Hartman answered:
A clients cannot do a streamline on a purchase deal. Unfortunately there are no low documents loans in this lending environment. Feel free to contact me if you have any additional questions.


Brad Hartman
NMLS 248721
... more
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Sat Aug 16, 2008
Connie asked:
I recently heard of a couple of lots in Ringgold that are up for sale because of back taxes owed on them. The property is on mesquite & 3rd, both lots I believe, It was owned by the Carlisle…
0 votes 0 Answers Share Flag
Thu Jan 31, 2008
Candy Guerrero answered:
I live in Ringgold and have an autistic child. The schools are excellent and the education and therapy he receives is wonderful. We thought about moving into Chattanooga, but the services my son receives here cannot be matched in Hamilton County. The people are great. You have that small town feel that is convenient to Chattanooga. ... more
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