First Horizon Bank - Ringgold, GA - Alabama Hwy

No, there is no limit on the number of transactions.

The first steps include assessing your financial situation, getting pre-qualified for a mortgage, and determining your budget. It's also important to start researching neighborhoods and listing your home preferences. First Horizon's mortgage specialists can guide you through these initial steps.

The home buying process typically takes between 30 to 60 days from making an offer to closing. This timeline can vary based on factors such as market conditions, the efficiency of your lender, and the specifics of the transaction.

Mortgage prequalification involves a lender reviewing your financial information to determine your loan eligibility and providing a prequalified letter. This letter strengthens your offer on a home by showing sellers you are a serious and qualified buyer.

First Horizon offers a variety of mortgage loans, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans. Each type has different benefits to suit diverse financial needs.

Yes, First Horizon offers several programs designed to assist first-time homebuyers, including FHA loans and other options with lower down payment requirements. Our mortgage specialists can help you explore these programs and find the best fit for your needs.

Refinancing may be beneficial if current interest rates are lower than your existing rate, if you want to switch from an adjustable-rate mortgage to a fixed-rate mortgage, or if you need to tap into your home’s equity. Our mortgage specialists can help you evaluate your situation.

There are many different types of small business loans available, including small business term loans, lines of credit and real estate loans. Talk to a banker today to review your options.

The loan requirements for a small business loan will vary, depending on the loan type and other factors. Here are some things to consider when applying: Business Plan: Craft a thorough business plan outlining your goals, market analysis, financial projections, and how the loan will be utilized. A well-prepared plan demonstrates your business's viability. Loan Purpose: Clearly articulate the purpose of the loan and how it will benefit your business. Whether it's for expansion, equipment purchase, working capital or other needs, provide specific details to support your application. Collateral: Some loans require collateral. If your loan requires collateral, be prepared to offer assets such as real estate, equipment or inventory. Credit History: Your personal and business credit scores play a significant role. Aim for good scores to enhance your eligibility. Cash Flow: Lenders assess your business's cash flow to determine your ability to repay the loan. Positive cash flow and consistent revenue are essential indicators of financial stability. Industry Experience: Your industry expertise and a track record of success can help strengthen your application. Debt-to-Income Ratio: Lenders evaluate your debt-to-income ratio to gauge your ability to manage additional debt payments. Maintaining a healthy ratio improves your chances of loan approval. Legal Compliance: Ensure your business complies with all legal and regulatory requirements, including licenses, permits and registrations. Relationship with Lender: Building a positive relationship with your lender can be advantageous. Regular communication and responsible financial management can help expedite the process.

As soon as you recognize the need for funds and can gather the necessary documentation, contact your banker to get the process started. The length of the loan application process is dependent on the complexity of the loan.

The drive-through at First Horizon Bank in Ringgold is open Monday to Thursday from 9:00 AM to 4:00 PM, Friday from 9:00 AM to 6:00 PM, Saturday from 9:00 AM to 1:00 PM, and closed on Sundays.

To open a personal checking account, you need a $50 minimum opening deposit, your Social Security number, date of birth, and personal identification like a driver’s license or passport.

Yes, you can open a personal checking account online or visit one of the banking centers to apply in person.

First Horizon Bank offers fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans tailored to diverse financial needs.

Yes, they offer programs designed to assist first-time homebuyers like FHA loans with lower down payment options, supported by mortgage specialists.

Small business loans at First Horizon include term loans, lines of credit, and real estate loans. Talking to a banker can help you identify the best option.

Yes, the bank has wheelchair-accessible entrances as well as free onsite parking including parking garages, street, and lot parking.

Yes, Ingles Markets and Ingles Supermarket are nearby grocery stores where customers can shop conveniently around their banking visit.

Nearby financial institutions include First Tennessee Bank, FirstBank, Northwest Georgia Bank, Wells Fargo Bank, Builtwell Bank, and First Volunteer Bank for additional banking options.

Yes, nearby dining options include Se Senor Mexican Restaurant and Little Caesars Pizza, great for grabbing a meal before or after your bank visit.