Fantastic food, live music, endless outdoor attractions, an affordable lifestyle, and close, tight-knit neighborhoods... what more could you ask for? If you've been searching for the perfect place to retire, then Chattanooga is more than worth your time. The city has seen extensive growth in recent years without losing its welcoming, small-town atmosphere and has plenty to offer for retirees of every interest. Our real estate agents are here to help you get to know Chattanooga, starting with 5 reasons why the city is a great place to retire.
No matter how carefully you examine a home during an open house or private viewing, there will be aspects of a home that a professional home inspector will be needed to identify. While a home inspection isn't always mandatory, getting a home professionally inspected will help you determine whether the house you have your eye on is truly ready for you to move in.
Home inspectors must be licensed in Tennessee and in many other states. It takes specialized training to identify various home building materials, learn current building codes, and spot specific signs of damage or deterioration. Our real estate agents want you to know what to expect when home inspectors are looking at Chattanooga homes for sale.
A Look Around
House hunting is an exciting but stressful exercise. You're looking for a home you'll fall in love with, but also one that comes closest to your needs, in terms of location, size, and cost. Along with the excitement come concerns about going over budget and other pitfalls.
As you search for Chattanooga homes for sale, you need a strategy. To get you started, here are several things you should do before you get serious about house hunting.
Based on data from the National Association of REALTORS®, existing-home sales bounced back at a record pace in June, showing positive signs for a recovery from the pandemic-influenced downturn. If you are looking to buy right now, chances are you'll be met with some competition. Luckily, there are several ways you can make your offer a stand out. Beat the competition with these tips for making a winning offer on Chattanooga homes for sale.
You've done your homework. You've been pre-approved. Now, you want to be one of this year's 5 million homebuyers. Finding your dream home takes patience, research, and a little luck. Whether you buy the first or 50th home you view, use the list below crafted by our REALTORS® to help determine that the search is over, and you've found the home of your dreams.
Moving is a stressful experience, and it's even more so when you have pets. You have the added responsibility of looking out for their well-being, managing their anxiety, and making sure they settle happily into their new home.
Our REALTORS® suggest the following 7 tips for moving with pets:
You've put in years of hard work, and now it's time to relax and make the most of your retirement years. Sometimes that means purchasing a new home. Whether you want to downsize or relocate to a warmer climate, there are many things retirees need to consider when purchasing a home in retirement. The following are seven tips our REALTORS® recommend you use as a guideline before making your decision.
Our REALTORS® have worked with many clients who make use of VA loans to buy their first home. The VA home loan, available to most service members, reservists, and National Guard members, can be genuinely life-changing.
In 2020, benefits associated with the loan will get even better.
If you are looking at Chattanooga homes for sale – or even just considering whether it's time to buy – it's important to know about these pending changes. Many of them can make it easier to get the home you want.
Two crucial adjustments are coming as of January 1, 2020.
VA Loan Limits Will Be Eliminated – For Good
As part of the Blue Water Navy Vietnam Veterans Act of 2019, signed into law in June, VA loan limits will be removed for all qualified loan applications in 2020 and beyond.
Loan limits specify the highest sum the Department of Veterans Affairs can guarantee with zero down payment. Naturally, the lack of down payment is one of the most attractive aspects of the VA home loan. It can save loan recipients thousands of dollars.
Closing costs are inevitable when you purchase Chattanooga homes for sale. It is essential to include these in your accounting when choosing your home. Knowing what these fees are, and how much they will cost, will protect you from "sticker shock" during the closing process. When closing on a home, be aware of these potential closing costs you may run into.
According to the National Association of Realtors, one-third of all homes sold in 2018 were purchased by first-time buyers.
How do you know when to make the transition from renter to the owner? If the following signs apply to you, it's time to start looking at Chattanooga homes for sale.
So you're itching to get started shopping Chattanooga homes for sale to become a homeowner, but you'll need a mortgage loan to realize that goal. Given that fact, you'll certainly want to get your credit report in shape to ensure that you can get approved for that loan – and that you can get the best possible interest rate on it when you do. So how does an aspiring homeowner go about raising their credit score? Here are tips that can help:
Check your credit report for errors
Your credit reports are documents that detail your track record with credit, outlining factors that include how much debt you're holding in relation to your income and how responsible you have been in paying off that debt. There will be three major reports detailing your credit history, held by three major credit bureaus; Experian, TransUnion, and Equifax. While these bureaus know their business, they rely on information collected from your creditors to compile their reports, and errors are fairly common. For that reason, getting copies of your reports from all three companies and examining them for errors is an important first step if you're working to raise your credit score. If any of your reports do contain errors, contacting the credit bureaus to get them corrected is your next step.
You negotiated a good deal on your dream home with the beautiful kitchen, and you are approved for a mortgage. Now, all that's left is to sign the paperwork. All those pages you are signing detail what you will pay for the house you are making a home. One specific number to pay attention to is the interest rate, which of course, adds to the final amount you pay back.
So how is the interest rate calculated for people buying Chattanooga homes for sale? Here is a quick primer:
The process of buying a home starts long before you start looking at listings. It starts when you begin building credit. The ways you spend money and the debts you carry will have a significant impact on your credit. Our REALTORS® are here to help you understand the "Five C's" of credit and what lenders are looking for when you're buying a home.
If you are ready to become a first-time homeowner and are itching to get started shopping Chattanooga homes for sale, it is time to learn a few things about how to get the mortgage you need for your purchase. The mortgage process can often be the most complicated part of buying a home, but being well-prepared to tackle it can make things easier and less stressful. Here are some key points to understand the mortgage process:
Having all your ducks in a row before beginning the mortgage process can help ensure that you can make the process work to your best advantage. Here are some important steps to take to get ready to apply for a mortgage:
Whether you're buying or selling a home, the neighborhood where that home is located should always be one of the most important considerations. A strong school district, attractions, parks, shopping, and employment options nearby can all make a neighborhood a more desirable place to call home. When a neighborhood becomes more attractive to a wide range of potential residents, real estate values in the area tend to go up. Museums, in particular, can help add significant value to nearby properties, and the Hunter Museum of American Art in Chattanooga is a great example of the concept in action. Our REALTORS® have more on how museums add value to neighborhoods, and what you can expect at Chattanooga's Hunter Museum.
When the world-famous Guggenheim Museum opened in Bilbao, Spain in 1997, the city was well-known, but not yet an iconic international destination for the arts. The museum quickly changed that, turning Bilbao into one of the hottest arts and culture destinations in the world, which lead to a massive increase in real estate values. This effect can be seen to varying extents whenever a popular museum opens, proving that museums can add value to a neighborhood in a variety of different ways.
If you're looking to buy your first home, then look no further than Chattanooga homes for sale. Buying a new home is a big decision, and there's quite a lot to consider – mainly can you afford a new home? If the answer is an unequivocal "yes," then you can afford to buy a home in Chattanooga. Here's how.
Is a new home on your holiday wish list? Whether you've just started searching for Chattanooga homes for sale or have been considering it for a while, we've created this home-buying checklist to make buying that perfect house simpler.
Our REALTORS® are glad to see the holiday season return to the Chattanooga area. Our city hosts some truly unforgettable holiday events, from the Chattanooga Holiday Market at the Chattanooga Convention Center, to the Moscow Ballet's Great Russian Nutcracker at the Tivoli Theatre.
But if you're like a lot of Chattanooga residents, there's a good chance you'll be heading out of town to visit friends and family elsewhere. If that's the case, now is a good time for a refresher course on keeping your home secure while you're gone.
The first and biggest hurdle when looking to buy one of the many Chattanooga homes for sale is coming up with the down payment. The minimum down payment that you can expect to make is 3 percent which means that you'd have to come up with $3,000 on a $100,000 home purchase. However, to avoid mortgage insurance, you would need a down payment of 20 percent. That's $20,000 on a $100,000 home.
Don't let these numbers scare you from buying that dream home. Here are five tips from our REALTORS® that can help you save for that down payment by showing your money who's boss.
Finding your perfect home is exciting! You've looked at many Chattanooga homes for sale and found the one! You probably can't wait to move in! But there are a few things that have to be completed before you can officially call it yours. These next important steps will get you through to closing day.
When you're looking at Chattanooga homes for sale , you'll probably want to know all about the great places in the neighborhood to go for a night out or an excellent meal. Chattanooga is full of fun and unique ways to spend your evenings. If you're in the mood for a romantic dinner out, try the Back Inn Café. One of Chattanooga's premier dining establishments, you're sure to have a night to remember.
The real estate market is always changing. During a seller's market, you'll have lots of competition for your new home. You may be getting stuck in bidding wars and losing, frustrated with your lack of choices, or afraid you'll never find the home you need. Keeping your sanity and getting into your new home in a seller's market is still possible. Here's how to overcome the most common obstacles.
Many families take summer camps and other after-school activities into account when looking at Chattanooga homes for sale. The local area is home to some of Tennessee's most highly regarded schools – but even the best students can't spend all their time in class.
When warm weather rolls around and it's time to break free for a while, a summer camp is a wonderful decision. Kids get the chance to meet new friends, learn useful skills, and develop their appreciation for the great outdoors.
Let's shed some light on the subject with some of the best summer camps in Chattanooga:
Chattanooga homes for sale provide huge opportunities for first-time buyers in today's upbeat housing market. At Fletcher Bright Realty, our REALTORS® have enjoyed helping a diverse array of people achieve their dreams of homeownership.
The strong housing outlook has seen to it that a home is once again the best investment you can make. There are many opportunities for first-time buyers to secure the mortgage financing they need, including government-backed programs with attractive rates.
Even with all that in mind, however, it's important not to overspend on a first home.
A savvy first-time buyer must carefully balance the need to move forward quickly with the need to get all the facts and make an informed decision. That's especially true when you consider:
So, how can you avoid overpaying for your first home?
It's natural to dream big when you're checking out Chattanooga homes for sale. But at some point, you'll have to get real. Sure, you'd love a wonderful home in a fabulous neighborhood. You might even imagine yourself in a jacuzzi, a sauna, or a beautifully landscaped in-ground pool. There's nothing wrong with dreaming big as long afford it.
Our REALTORS® understand that the home you desire isn't always the home you can afford. We believe it's important to begin your home-buying quest with an honest assessment of dollars and cents. That's why we offer our five tips for buying a home
One of the things our REALTORS® love the most about Chattanooga, TN is that it's one of the best cities in America to pursue an active, adventurous lifestyle. Surrounded by rugged mountains and sandstone cliffs, Chattanooga is gaining a reputation as America's new rock climbing capital.
Unfortunately, most of us simply don't have the time to take off on mountain adventures every day (much as we might like to). That's why we're lucky to have places right in the heart of the city where we can go climbing any time. At High Point Climbing and Fitness, you can hit the slopes any day of the week without leaving the city limits.
If you're like most parents, access to good schools is near the top of your list of priorities for your new home... if not at the very top. But other than asking your real estate agent, who may or may not have children of their own, how do you find a good school for your children?
Here are a few tips to help you find the school of your family's dreams to go with your dream home.
What would you like to see in the community where you choose to spend your retirement? Perhaps you're interested in scenic walks, ample outdoor activities, and great places to grab a meal at the end of the day. Or maybe you'd like to soak up the arts, visiting galleries, historic performance venues, university exhibits, and public art displays. No matter how you wish to spend your days, the Chattanooga, TN is a fantastic place to call home during retirement. Our REALTORS® have the inside scoop on all that awaits you in the Scenic City.
Chattanooga is gaining a reputation as one of America's great up-and-coming cities, and it's not hard to see why. With an agreeable climate, low cost of living, and an abundance of outdoor recreation right in your backyard, it has a lot going for it. But before you make the leap, our REALTORS® want to make sure you have all the facts.
There are certain steps you should take before moving to any new city, and Chattanooga is no exception. Be sure to follow this Chattanooga relocation guide as you prepare to move to one of our country's hidden gems and don't browse our listing of Chattanooga homes for sale
Chattanooga is a city that is welcoming to all with a relaxed vibe, a healthy economy, and fun activities for residents of all ages. The Scenic City attracts a diverse group of residents while quickly becoming one of the most popular spots in the South for Millennials in their 20s and 30s to settle down long-term. So many residents visit the city first on a trip or simply while passing through, and quickly decide that there's no place else they'd rather live. Our REALTORS® have all the details on why Chattanooga has become a Millennial Magnet, and what it means for life in the city.
Chattanooga is an innovative, artistic, and unique city, so it's no surprise that one of our city's most popular restaurants exemplifies those same core qualities. If you've been feeling a "stir" in Chattanooga lately, you're certainly not alone.
STIR is one of the city's premier dining destinations, and as the name implies it is also a great place to enjoy a craft cocktail. Show up for delicious, light food and cheap cocktails during happy hour, or enjoy a full meal in a beautiful, historic location. Our REALTORS® love getting out to explore the flavors of Chattanooga, and we've got all the juicy details on what to expect from an evening at STIR.
If you're searching for the perfect home, don't abandon your quest during the holidays. While other home buyers are busy with food, relatives, and shopping, you can have access to exciting seasonal house-hunting benefits.
Of course, you don't want to give up your family fun to spend time with strangers, but why not compromise? Celebrate your holiday traditions, but add a few house hunting activities to your schedule. Review online listings. Attend open houses. Schedule tours of homes in Chattanooga. Keep the home search going and you might be celebrating a home closing by year's end.
Our REALTORS® understand that it takes something special to pry you away from your holiday enjoyment. To motivate you, we offer these five reasons to buy a home during the holidays.
One of the things we Chattanoogans look forward to all year long is the arrival of fall. As the leaves turn, there is a joy to be found in a side of nature that many people throughout the country never even get to glimpse.
Chattanooga's fall colors are so breathtaking that it has given rise to a tradition of fall color cruises. These cruises give you the unique chance to witness the fall foliage as you cruise one of Tennessee's beautiful waterways – including the legendary Tennessee River itself.
Fall is a lovely time to spend time outdoors enjoying the beautiful Tennessee scenery, but those leaves will eventually fall and many of them will find their way into your gutters.
Maintaining your gutters is a very important habit for homeowners because it can help prevent potentially costly home maintenance issues. So while it may not be as enjoyable as scoping out Chattanooga's fall scenery, scooping out your gutters is a habit that's worth developing to protect your biggest investment. Our Chattanooga REALTORS® have created this guide to help you clean your gutters this fall.
If you're relocating to Chattanooga, you probably have questions about some of the best places in town to dine, shop or grab a cocktail. Since Fletcher Bright Realty is located in Chattanooga, we can attest our community is booming with dining options from local, off the beaten path spots to exceptional, fine dining experiences.
When it comes to great restaurants, Chattanooga's residents are absolutely spoiled for choice. It's hard to pick a favorite, but if you're just getting acquainted with Chattanooga's vibrant culinary scene, there's no better place to start than Alleia Restaurant.
Bluegrass, great food, family fun, and a celebration of all things Chattanooga make our community a special place to call home. Our Chattanooga REALTORS® are very excited to tell you about one of our favorite local events, which holds a special place in the hearts of the Fletcher Bright team. The 3 Sisters Bluegrass Festival returns to Chattanooga, TN on October 6, 2017, and features free fun for every member of the family. The biggest names in bluegrass grace our stages every year, and this year's festival is set to be bigger and better than ever.
Homes in Chattanooga have easy access to art galleries, parks, unique shopping experiences, and seasonal celebrations. As real estate agents in Chattanooga, we know that the excitement stretches beyond the city limits. Rock City Rocktoberfest and Blowing Springs Farm Fall Festival are two local favorites. Both offer a renewed sense of excitement as the seasons change.
If you're relocating to Chattanooga, our real estate agents are ready to introduce you to our awesome city. Chattanooga is a small town with a multicultural demographic and big-city style. Chattanooga is a wonderful place to call home and we offer relocation services to help you make it happen.
If you've been exploring homes in Chattanooga, you've noticed there are a variety of options available. Some are brand new and others are newly renovated.
Then there's the other popular category: The fixer-upper.
What is a fixer-upper? Simply, it's a home that needs work, time, and investment--not to mention a little love--to reach its full potential. Most fixer-uppers aren't in terrible shape: For example, the roof and foundations are usually sound.
Chattanooga is full of interesting sights – from the world's longest pedestrian bridge to the nation's largest military park – and it can take time to uncover all that it has to offer. With this peek into three of the most sought-after Chattanooga neighborhoods, you'll have a head start. Let's take a look at Signal Mountain, Lookout Mountain, and Riverview.
Buying a home means facing a list of unavoidable tasks like inspections, closing procedures, packing and, unless you're one of the very few who have enough money to purchase a home with cash, getting a mortgage approved. Our agents at Fletcher Bright Realty explain why you may be asked if you've completed one of these tasks ahead of time, by getting your mortgage pre-approved.
High above the historic streets of Chattanooga, you'll find Signal Mountain--a community loaded with culture, outdoor fun, and stunning views of the scenery below.
Throughout the year, Signal Mountain residents enjoy visiting Mountain Arts Community Center, founded in 1999 at the former Signal Mountain Elementary School. Today, MACC is a hub of the community, where residents can go to enjoy fun classes, special events, and activities geared toward every age-group.
You found your dream home and made an offer, but your agent just called with the bad news: offer rejected. What to do next? If your purchase offer was just rejected, it might not be too late to try renegotiating, so don't walk away without more information. Either way, it's important to turn this into a learning opportunity, because you'll probably be bidding on multiple homes in Chattanooga. Take these steps to make the most of your first failed bid.
Fourth of July is almost here and it's high time to start planning for a night loaded with pyrotechnic fun. Several communities across Chattanooga will be offering fireworks display once again each with its own unique setting and viewing experience. Whether you are looking for a tranquil vantage point or a big community event, our real estate agents have done the research and we've got plenty of suggestions for where to take in the many fireworks shows that Chattanooga has to offer.
Whether you're cruising the Caribbean or snapping selfies in Miami Beach, you can't enjoy the moment if you're worried about someone breaking into your Chattanooga home. The U.S. Department of Justice reports the summer months are a peak season for household property crimes. While you're away from home enjoying a vacation, you don't want to worry about what is happening at home. Here are 10 tips from our real estate agents to protect your home while on vacation.
Our team of real estate agents is committed to not only finding your perfect home, but providing a helpful guide to Chattanooga fun and festivities that your entire family will love. When you're looking for things to do in the Chattanooga area, be sure to check out Chickamauga & Chattanooga National Military Park.
As summer arrives in Chattanooga, residents of all ages and backgrounds are flocking to bodies of water for seasonal fun. One of our favorite summer pastimes takes place on the Tennessee River too, but it won't get you wet. Instead, it will transport you back in time to the 1800's, when southerners dined, danced, and took in the views aboard elegant, multi-story riverboats. The Southern Belle Riverboat, our #1 pick for summer date nights, is one of the best ways to see Chattanooga and the scenic river that winds through it.
Chattanooga is the fourth largest city in Tennessee. Made up of a diverse group of residents, the area consists of 49 distinct neighborhoods. In addition to racial diversity, the economy of Chattanooga is well-balanced between white and blue collar jobs as well as displaying a widespread scale of income.
And while these differences may be distinct, there's one thing all the residents share in common - the love of a Saturday afternoon at one of Chattanooga's many city parks.
If you're relocating to Chattanooga with your children, one of the first local attractions for you to visit is the Tennessee Aquarium. Regularly rated as one of the top in the state, the Tennessee Aquarium and the activities around Aquarium Plaza are some of the best in the area. This is a must-see local attraction and our Chattanooga REALTORS® wanted to make sure you didn't miss it.
Whether you're looking for homes in Chattanooga or elsewhere in Tennessee, one thing is for sure: Your new home is one of the most important investments you'll ever make. Even before closing, you should start thinking about the best way to protect your investment. There are two major options: Home insurance and a home warranty.
Both of these products can help you protect the value of your home against the unforeseen. You can choose either or both depending on your needs.
One of the best things about living in Chattanooga, TN is that every neighborhood has its own flavor and you can explore every corner of the city without ever getting behind the wheel of your car. The Chattanooga Bike-Share Program makes it easy (and cheap!) to travel by two wheels as you explore everything that the city has to offer. Whether you want to enjoy the culture of the MLK District, the quaint shops of the Northshore or the spectacular sights of the Riverfront District, there's simply something special about traveling around Chattanooga with the wind in your hair.
Moving is a challenging process for a variety of reasons and getting the whole family on board can be one of the most difficult aspects. Our REALTORS® in Chattanooga are committed to making your move easier in every way possible. These moving tips will help you tell the kids you're moving and hopefully make the transition to your new home a much smoother one.
Coolidge Park, located on Chattanooga's Northshore waterfront, has long been known as a place for "Horsing Around" in the city's downtown area. Kids--of all ages--can be seen playing in the park's interactive water fountain, chasing each other across the Walnut Street Pedestrian Bridge (the world's largest pedestrian bridge) or taking a ride on the 100-year old, Dentzel carousel located in Coolidge Park.
Sometimes, the name of a community simply picks itself. Such is the case for Lookout Mountain, TN, a beautiful, breathtaking community perched above Chattanooga. You will not find better views of the city anywhere else, and that's just the start of what you have to look forward to when you live atop Lookout Mountain. The beautiful views from Lookout Mountain are accompanied by ample outdoor activities, a unique mountaintop community, fun traditions, and even a very creative mode of transportation from Chattanooga to the mountaintop.