Financing


  • The latest affordability report from Zillow shows that rents in the US are become less affordable. In the second quarter of 2015, rents hit the least affordable point to date, with renters in US markets spending an average of 30.2% of monthly income on rent payments. Mortgages, however, continue to be affordable to many buyers. Home buyers today will pay an average of 15.1% of their monthly income on mortgage payments. This is much more affordable than the 21.3% buyers were paying prior to the housing bubble burst. Metro Atlanta has consistently been one of the most affordable housing markets in the nation. In June 2015, Zillow gave Atlanta top rankings for the availability of affordable homes. If you are currently renting, there has never been a better time to purchase your new home! Richardson Housing Group (RHG) invites you… Read More

  •   Mortgage rates this week fell from a recent seven-month high, according to data recently released by Freddie Mac. The 30-year fixed rate average decreased to 4 percent, compared to a rate of 4.17 one year ago. The 15-year fixed rate average dropped to 3.23 percent, compared to 3.25 percent at this time last year. Housing analysts credit the drop in mortgage rates to optimism over new home construction in the near future. According to the National Association of Home Builders, permits for both multi-family developments and single-family homes have seen recent substantial rises. These falling mortgage rates are your sign that NOW is the time to make your new home purchase! Richardson Housing Group (RHG) is proud to be a premier home builder in Metro Atlanta. RHG was founded over 40 years ago and has built over 4,000 beautiful… Read More

  • Time is ticking as the tax-filing deadline approaches! Before you pay up to Uncle Sam, be sure claim all the tax deductions and credits you’re eligible for! Mortgage Interest Deduction – This is the most well-known deduction, and a huge benefit of being a homeowner. Deduct mortgage interest for both your primary residence and second home. Home equity loan interest can be deducted as well! Home Office Deduction – Do you have a home business? If you have a space dedicated for a home office, multiply the square footage of your office (maximum of 300 square feet) by $5 to calculate your deduction. You may also be eligible to deduct part of your mortgage interest, taxes, and utilities for home office use. Home Energy Tax Credit – This tax credit rewards homeowners who have made alternative-energy upgrades to their homes…. Read More

  • Richardson Housing Group (RHG Homes) is pleased to announce special incentives for new home purchases at Kelly Mill and Ashbrook, featuring new homes in Gwinnett County! For a limited time, receive ZERO CLOSING COSTS on any loan for contracts written between February 27 and March 31, 2015! Kelly Mill features new homes in Grayson from the $170s. This outstanding Gwinnett County location places parks, shopping, dining, entertainment, and acclaimed Grayson schools right outside your door! Each home features Craftsman-style exteriors with custom features such as gourmet kitchens with granite countertops, warm interior color and frieze carpeting, and spacious master suites with large walk-in closets! For more information, call Realtor, Bob Kennedy at 404-216-1502. Ashbrook features new homes in Loganville from the low $200s. Enjoy spacious floor plans with up to 5 beds and 3 baths, and access to the prestigious… Read More

  • There are so many people involved when you buy a new home – brokers, agents, attorneys, and more – it can be quite confusing! Here’s a quick primer on the main players who will be involved in your new home purchase. Real Estate Agent The most familiar person to you might be the real estate agent. A real estate agent can help you sell your existing home, if you have one, and represent your interests when purchasing a new home. When you are deciding on an agent, be sure to choose one who understand your needs, and knows the ins-and-outs of the area where you are searching. Real Estate Broker A real estate broker is similar to a real estate agent, but with additional education and credentials that allow them to work independently and supervise other agents. A real estate… Read More

  • The growing economy has created an incredible uptick in home sales over the past several months.  Whereas during the recession, there was a surplus of available homes, home sales have become increasingly competitive in recent months, signaling the presence of a strong seller’s market.  If you are like many home buyers, you may have been prepared to place an offer on a home one day, only to discover it’s already been snapped up.  If you have been in this situation, there is good news on the horizon!  The economy is still strengthening, but home sales activities have slowed.  The supply of homes for sale has increased, slowing the crazy “bidding wars” that have characterized the recent market.  All of this means that this is the prime time for you to purchase a new home!  Take advantage of still-low interest rates… Read More

  • Great news!  30-year mortgage rates dropped once again last week, falling to a nationwide average of 4.12%.  15-year mortgage rates also fell to 3.23% nationwide.  There has never been a better time to purchase a new home! If you are in the market for a new home in the Atlanta area, check out Richardson Housing Group (RHG)!  RHG offers a variety of incredible home designs in beautiful communities in Gwinnett and Jackson Counties.  Homes by RHG provide unmatched value.  Tons of custom features come standard in our homes, such as hardwood flooring, gourmet kitchens with islands, upstairs lofts, and spacious master suites (per plan). RHG is pleased to partner with top Atlanta-area mortgage broker Silvia Taylor with Fidelity Bank.  Fidelity Bank is a direct lender ready to help you finance your brand new home.  All of their operations are in-house,… Read More

  • Great news – according to the US Census Bureau and US Department of Housing and Urban Development, new home sales rose by 18.6% from April to May, the highest rate since May 2008![i]   With the increase in new home sales, homebuyers are in a prime position to get the best deal on a new home. If you are looking for a new home in Atlanta, look no further than Richardson Housing Group (RHG)! RHG builds beautiful new homes in Gwinnett and Jackson Counties. In Gwinnett County, choose from among 5 amazing communities ranging from the $170s to mid $200s. Kelly Mill features new homes in Loganville from the $170s. This outstanding Gwinnett County location places parks, shopping, dining, entertainment, and acclaimed schools right outside your door. Enjoy new Craftsman-style homes with up to 4 bedrooms and 2.5 baths. For more… Read More

  • Richardson Housing Group (RHG) is excited to announce fabulous incentives on purchases of select, move-in ready homes at River Stone, featuring new homes in Gwinnett County! River Stone is a beautiful community of new homes in Lawrenceville, priced from the high $200s.  Spacious layouts feature up to 6 bedrooms and 4 baths. River Stone boasts an impressive amenities package, including Junior Olympic-sized pool, lighted tennis courts, two playgrounds, and a clubhouse.  The community is conveniently located near Sugarloaf Parkway, GA 316, I-85, Ronald Reagan Parkway, and GA 78.  Plus, families will love access to the prestigious Brookwood School District! For a limited time, homebuyers are eligible for 3.99% conventional financing PLUS $3,000 in closing costs paid on select homesites!  Homebuyers must use the preferred lender, Fidelity Bank.  This incredible offer is available only for Homesites 22 and 28.  Homesite 22… Read More

  • If you’re thinking about buying a new home, you won’t want to wait much longer! As unemployment decreases and the economy continues to improve, mortgage rates are sure to rise!  Take advantage of historically low rates now to get the most house for your money!  If you have just a small down payment or have some dings on your credit report, an FHA loan may be right for you.  These loans, insured by the Federal Housing Administration, are typically easier to qualify for compared to other more conventional loans.  Our preferred lender, Fidelity Bank, is now offering rates as low as 3.75% on FHA loans!  For more information, call Silvia Taylor, Vice President – Mortgage Banker at 404-405-0765. Hurry – the summer heat is rising and so are the mortgages rates!  Lock in while you still can! Richardson Housing Group… Read More

Rave Reviews

When we began to look for a new home we did a lot of research and decided on a home in Whitfield Estates which we love being right next to Mulberry Park.  We also have 2 children who now attend ... - The Nguyens

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