A rare find indeed, Ursula Huffman is a true Georgia Peach—born and raised in Decatur, GA, and a lifelong resident of Metro Atlanta. Her deep-rooted connection to the city gives her a unique edge and an intimate understanding of the diverse communities that make Atlanta one of the most sought-after real estate markets in the country. A proud graduate of Georgia State University, Ursula earned her BBA in Managerial Sciences with concentrations in Operations Management and Entrepreneurship. She later went on to obtain her Master of Arts in Teaching (MAT)from Mercer University, blending her passion for education with her natural talent for business.
With over 11 years of experience in real estate, Ursula has established herself as a dynamic and results-driven professional. Her academic achievements, keen business acumen, and firsthand expertise in both resale and new construction have propelled her to become one of Metro Atlanta’s top-performing agents. She consistently ranks within the Top 5% of Producing Agents and is a proud member of the Multi-Million Dollar Club—a distinction reserved for elite professionals with exceptional sales performance.
Known throughout the industry as “The Educator of Real Estate,” Ursula’s mission goes beyond closing deals. She is dedicated to educating her clients every step of the way, ensuring they feel informed, confident, and empowered throughout the buying or selling process. Her hands-on approach, authenticity, and around-the-clock dedication have earned her a stellar reputation among clients and colleagues alike. Because of her integrity and unwavering commitment, Ursula’s business thrives on repeat clients and referrals—a true testament to the trust and satisfaction she inspires. Whether she’s guiding first-time buyers, assisting seasoned investors, or consulting on new construction developments, Ursula delivers an unmatched level of professionalism, passion, and personal care.
A guiding force of knowledge from initial contact until settlement day. This includes but not limited to thoroughly explaining the buying process, providing credit improvement general tips, lender partner referrals, identifying what’s important in a home, selecting the perfect home, matching DPA programs and closing the deal.
For National builders, guides prospective buyers through the new home buying process, from initial inquiry to closing and up to one year post homeownership.
Educate consumers, whether clients or potential clients, on every aspect of the real estate process to ensure a level of ease and understanding! Also provide Agent Tools in the form of self-pace course offerings and 1 on 1 coaching for the new, emerging real estate professional.
I can share with you how pleased my clients are with the services they receive, but it's even better when they express it first person. Trust, this is only the tip of the iceberg!
It is evident when clients are satisfued with their experience. How? When they refer! As a result of my clients referring 6 more transactions / clients, hosting a FAB housewarming was the least i could do after completion of their custom estate.
Buyer, seller, first time homeowner, 2nd home purchase, investment, commercial purchase, renovation loan purchase, new construction, custom build; I service them all!
Ursula & Antonio were both truly amazing from start to finish. They listened to exactly what we were wanting for our first home and found homes catered to us and our family. They both took the time to listen to what we wanted and executed perfectly! If we had to do it all over again, I will be calling them again for any home buying needs!
J. & J. Johnson
Highly Recommend Ursula Huffman!
Ursula Huffman found the perfect townhome for my sister and me! From start to finish, she was professional, efficient, and truly dedicated to helping us find our first home. We shared our requirements, preferred location, and budget — and Ursula delivered on all three.
Once she located the right property, she quickly scheduled a home tour within just a few days. Throughout the entire process, Ursula’s communication was exceptional. As first-time homebuyers, we had plenty of questions, and she always took the time to clearly explain each step and make sure we understood everything. She even guided us on the best ways to manage car and student loans to put us in the strongest position for financing.
Ursula is also incredibly personable and thoughtful. She was present at our closing and surprised us with a beautiful housewarming gift when we moved in. She went above and beyond by connecting us with trusted professionals to help personalize our new home.
We’re so grateful for Ursula’s expertise and care. I would absolutely recommend Ursula Huffman and her real estate agency to anyone looking to buy or sell a home — she produces real results and makes the entire experience enjoyable!
S. & S. Randolph
I was going through life changes. So I decided to enlist the expertise of Ursula to assist with with the sell of my home . That one decision made my life so much easier. She was beyond patient and available to me with my numerous requests and questions . She was always professional even when other opposing agents were not the nicest. I will definitely call her again anytime I need to buy or sell . Thank you Ursula, you are my Angel !!
D. Thompkins
Working with Ursula and her team was an amazing experience! They answered every question and guided me through both selling and buying with ease. Highly recommend!
K. Mason
Ursula helped us with three transactions, sell two homes and buy a home and all with professionalism, patience & amazing communication. We couldn’t be happier with the results. Highly recommend!
M. White
My experience working with Ursula was nothing short of AMAZING! She very helpful and answered all my questions in a timely manner. An excellent representation of DRB!
T. Cook
Ursula, not even sure where to start. You knew personally how much home ownership meant to me and my family, and you got it done.
You’re professional, you pay very specific attention to detail and you go above and beyond with your service.
Thank you for the transparency my entire process, I didn’t feel out of the loop and you also took the time to explain certain details and requirements I wasn’t as familiar with.
You’re my realtor.
Sincerely,
M. Harper
Below I have provided you with a few lenders past customers have worked with and successfully made it to closing! You are not obligated to use my preferred lenders in order to work exclusively with me as your real estate professional. Your search is not limited to just this list however. I encourage you to shop around.
Answer: Buyer, Agent Consultation where the Agent will direct you to obtain a Mortgage Pre-Approval
Explanation - Unless you are paying cash for a house, you will need to get a mortgage. In order to know how much home you can afford, you will need to get pre-approved for a loan. This is the first-step in the home buying process.
Answer: Around 30 to 45 days
Explanation - The timeline for finding a house varies greatly from person to person. Once you find a house and have an accepted offer, it usually takes around 30 days to close.
Answer: Pretty Much… Everything!
Explanation - A REALTOR® is your most valuable asset when buying a home. They will walk you through every part of the home buying process. They will educate and inform you of all your options. They will represent you throughout the transaction and beyond. There is a difference between a REALTOR® and a real estate agent; many people do not know this. A REALTOR® is regulated by the National Association of REALTORS® and subscribes to a strict Code of Ethics. A real estate agent does not. It is recommended that you work with a licensed REALTOR® to avoid potential problems.
Answer: Typically, Not a Cent!
Explanation - In most cases, you do not have to pay your REALTOR® anything to help you purchase a home. The sellers pay their REALTOR® a fee, and then that listing agent pays the buyer’s agent for bringing the buyer and facilitating the transaction.
Answer: Trust the Professionals… We’re Actually Licensed to Practice What We Preach!
Explanation - Beware of advice from people who do not work in the industry. Real estate is a popular topic and almost everyone feels like they have some great insight to offer. In reality, the people who know best are the people that work in the business. Good REALTORS® have sold hundreds (maybe thousands) of properties. We know what to expect and what to look out for. Friends and relatives have only bought and sold a few homes, if any at all. Buying and selling a couple of homes does not make someone a well-rounded source of information. I’ve seen too many first-time buyers become persuaded by well-meaning friends and family, only to be disappointed later. Be confident in your decisions and trust the professionals.
Answer: At minimum, aim for 620+
Explanation - A 620 credit score, or higher, is recommended. As you are probably aware, a higher credit score offers better lending terms. This is an ever-evolving topic, however, as loan requirements are constantly changing. There are some lenders who will approve buyers with a 580 score, sometimes even lower. Your loan officer will be the best source to give you a current answer for today’s lending requirements.
Answer: Of Course!
Explanation - There are some great home buying programs to research. The main ones would be VA loans, USDA loans, Conforming loans and FHA loans. Knowing the difference between these loan types is very important. Other local options would include state, county and even city buyer, purchase programs. Most of these programs will offer some type of Down Payment Assistance.
Answer: It depends on your loan type. Usually 3% to 5% down.
Explanation - The most common answer is 3% to 5% of the purchase price. FHA loans are 3.5%. There are also some conventional loans that only require 3% down for first time buyers, but this loan type is usually 5% to 20%. Veterans are usually eligible for a VA loan, which requires no money down or 100% financing. Properties in rural areas are usually eligible for a USDA loan, which also requires no money down.
Answer: Mainly loan origination and closing costs.
Explanation - The down payment is usually the largest cost associated with buying a house. Lending fees are the second largest costs to homebuyers. Most lenders will charge between 2% to 4% of the loan amount for loan origination fees, depending on the loan type. Conventional loans usually have lower loan origination fees, but require more money down. Closing costs can include your pre-paids such as taxes and HOA fees to go in your escrow account. Your loan officer will be able to help you determine how much you can expect to pay towards loan origination and closing costs.
Answer: At the Closing Table!
Explanation - Under normal circumstances, you will get the keys at the closing. A closing typically takes about an hour. In some cases, the lender will need time to fund the loan and you will need to pick up the keys after the loan has been funded. If you have a Friday evening closing and the loan cannot fund until Monday, you may not get the keys until Monday. Make sure to coordinate your closing to get the keys on the same day, if that is what you need.
Answer: It Depends…
Explanation - Every real estate market is different, therefore, the best time to sell a home will be different from real estate market to real estate market. In most cases, the spring months are the best time to sell a home. School years are coming to an end, summertime is around the corner. Families are more inclined to not want to disrupt children during the school year. Since every home seller’s situation is different, you should discuss the timing of your home sale with your real estate professional. In some cases, selling a home during the fall and winter months actually may be better than waiting until the spring real estate market. This is due to a combination of many factors including lower competition and that serious buyer’s are always looking for a home, just to mention a couple factors.
Answer: It Depends…
Explanation - A frequently asked question from home sellers before listing their home for sale is related to the local real estate market. There are many market indicators that a top producing real estate professional should be able to share with you to help explain the condition of the local real estate market. One of the most important indicators on market conditions is average days on the market. The average days on market can indicate to a seller how quickly homes are selling when listed for sale. Other examples of market condition indicators that a top producing real estate professional will provide a home seller before listing their home include market absorption rates, number of closed transactions year-over-year for a given month, average sale prices, and average list price to sale price ratios.
Answer: There are SEVERAL things you can do!
Explanation - There are several things you need to know before listing your home for sale! A frequently asked question from home sellers before listing is what steps should be taken before listing their home. Not properly preparing a home for sale can put a home owner at a huge disadvantage. The expression “You never get a second chance to make a first impression” is absolutely true when it comes to selling a home. When selling a home you must be sure that your home presents itself in the best possible light. Making sure clutter is at a minimum, freshly painting rooms, installing new carpeting, or ensuring odors are non-existent are just a handful of things that should be done before listing your home for sale.
Answer: Any and Everything you are aware of!
Explanation - When selling a home, it’s important you disclose to potential buyers anything you are aware of in your home. Nobody likes “getting the raw end of a deal” when it comes to buying a home, car, or anything for that matter. If you’re aware of defects with a roof, appliance, or home in general, you’re always going to be better off being honest and upfront. If you’re aware of defects, whenever possible, fixing them before going on the market is best. This can avoid potential issues and/or lawsuits once your home is under contract, after inspections, and even years after you have sold your home.
Answer: A Thorough Comparative Market Analysis
Explanation - There are a handful of methods that real estate professionals use to determine the value of a home. The most common method to determining the value of a home is by completing a comparative market analysis. A comparative market analysis is an in-depth evaluation of recently sold “comparable” homes in the past 6-12 months. A comparative market analysis, also known as a “CMA,” isn’t a crystal ball that determines what a home will sell for, however, if performed by a top Realtor, it should greatly narrow the sale price range.
A professionally completed “CMA” will consider many features of not only a home, but also the local area and neighborhood. Considerations that a professionally completed “CMA” include, but is not limited to:
• Square footage
• Number of bedrooms
• Number of bathrooms
• Upgrades to kitchen
• Window quality
• Roof age
• Lot features
• Location; primary or neighborhood street?
• Style of residence
• Flooring type
To ensure that my current and future clients are prepared and properly educated on the home buying/selling process, I host various types of learning sessions. These sessions may come in the form of Lunch-N-Learn seminars, Live Social Media Q&A segments, Grab & Go Vendor participation at local events!
Make sure you stay tuned for upcoming events!
