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dickson home loans: Financing a Home... Do I need Title Insurance! - 11/01/08 11:24 PM
OWNER'S TITLE INSURANCE
What is owner's title insurance?
Owner's title insurance provides you with protection against the loss of your home caused by somebody in the future finding a defect in your title. Unlike other types of insurance that protects against losses from future events, title insurance provides protection from past events, which may or may not be a matter of public record.
What if I don't have owner's title insurance?
If a problem with your title occurs and you don't have owner's title insurance, you could lose everything you've invested in your home or face expensive legal costs.
How … (10 comments)
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dickson home loans: Financing a Home... Answers to Common Questions! - 09/22/08 09:13 PM
1. I am not eligible for a VALoan.
This may not be true; if you have ever served in the military as Active Duty, National Guard or Reserves you may qualify for a VA Loan. Contact me at brenda@imsiloans.com or call me at 931-206-1907 and together we can find out if you are eligible.
My own father did not know he was eligible for a VA loan until I became a loan officer and asked why he had never use his VA eligible.
2. I can only use my VA eligibility once.
Not so! You can use your … (32 comments)
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dickson home loans: I am Confused... Pre-Paid Interest is what? - 08/28/08 07:14 PM
Pre-paid interest is one of the most confusing terms you will hear... it is quite simple once you understand it. So let me give it a try...
Now... as you look at the chart; you will see house payment due July 1st: This means when you make that payment then you are paying the interest for June in that payment. The lender will collect upfront at closing the 16 days of interest in May because that was no included in your house payment... meaning you are paying 16 days of pre-paid interest.
Now remember this will vary depending on … (17 comments)
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dickson home loans: I am Confused... Closing Costs, Pre-paids are what? - 08/20/08 12:55 PM
You have found the perfect Realtor, Loan Officer and House...
Now it is time to write an offer.
Your Realtor says...
What terms do you want when we write your offer to purchase this property?
Then you are hearing closing costs, pre-paids, pro-rated taxes...
STOP; you are thinking. What does all this mean!
When you have a contract to purchase a home; it will determine how much money you will be spending; for the price of the home, financing and out of pocket expenses. Plus, things like who is going to provide what service such as: … (16 comments)
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dickson home loans: First-time Home Buyers: Time Line for a Home Loan! Part 3 - 08/18/08 04:54 PM
Typical Loan Closing
Conventional / VA / FHA: 20-30 Days
THDA/ Rural Development: 30-45 Days
Concurrent Actions: This all done by your Lender
Appraisal: 4 - 14 Days
Termite inspection: 3 - 10 Days
Survey: 4 Days - ? (Acreage could take several weeks depending on how much land)
NOW THAT YOU HAVE A SIGNED CONTRACT AND THE LENDER, PROCESSOR & UNDERWRITERS ARE BUSY; WHAT DO YOU DO? I AM GLAD YOU ASKED...
DO:
Hire your home inspector and have him inspect your new home; do this as soon as possible. This way if there are any major repairs … (5 comments)
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dickson home loans: 84th Annual Dickson County Fair: Schedule of Events for September 1 - 08/17/08 09:11 PM
DICKSON COUNTY FAIR SEPTEMBER 1ST - 7TH
Schedule of Events
Monday: September 1, 2008
10:00 am - 3:00 pm Junior Beef Cattle Check-in
2:00 - 4:30 pm Register 4-H Youth Dept. Non Perishable Entries
(everything except baking & plants/flowers)
12:00 - 6:00 pm Register Crops Department Entries
5:00 - 8:00 pm Open County Poultry Department Entries
5:00 - 9:00 pm Exhibit Buildings Open
6:30 pm Junior Beef Showmanship
after beef Junior Beef Heifer Shows (registered & Commercial)
Showmanship Followed by Pee Wee
7:30 pm Demolition Derby
Gates Open at 5:00 … (4 comments)
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dickson home loans: First-time Home Buyers: What do I need to take to the LENDER? Part 2 - 08/15/08 12:01 AM
Take a few moments to gather the items below and you will be your lender's favorite customer!
Most Recent 30 Days of Pay Stubs Two Months Bank Statements from Checking, Saving and any investments Two Years Rental History with Landlord's name, address, phone & e-mail (if applicable) Two Years Work History with Employer's name, address, phone & e-mail Two Years Tax Returns with W2 / 1099MISC If you have ever filed Bankruptcy: Bring a Copy of Complete Bankruptcy Documents and Discharge If Divorced: Bring Copy of Divorce Decree If paying Child Support: Bring copy of Child Support Documents If recently sold a home: … (5 comments)
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dickson home loans: First-time Homebuyers: Where to start for a Home Loan! Part 1 - 08/13/08 09:02 PM
The home buying process can seem very overwhelming at times. This report will be in several parts and hopefully will make planning a little easier for you. I am in Tennessee but the information will be good no matter what state you are in. This post is designed to give you an understanding of the loan process; a timetable and items needed. Try to relax; Buying a home should be a FUN ADVENTURE! I am here to help you through the process.
You will hear several terms... buying power worksheet...pre-approval... commitment letter...loan approval..........................What does it all mean?
Buying Power Worksheet (BPW) - This form will … (8 comments)
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dickson home loans: Bio Brenda Tressler: Serving Tennessee "I Specialize in VA Loans & Customer Care" - 07/31/08 06:58 PM
About Me... Brenda Tressler! What can I say...I am honest and hard working. My husband is retired military and we have lived in Korea, Germany, Ohio, Indiana, Maryland & Tennessee. We made Tennessee our home in 1990 and live on 18 acres with our dog Chappie. I enjoy the country life and being outdoors. I am with Integrity Mortgage Services, Inc., in Clarksville, TN: home of Ft. Campbell, KY.
My background is Mortgage & Real Estate: Since 1995, I have had my real estate license (in retirement now), owned my own mortgage company & worked in a title company. I … (3 comments)
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dickson home loans: How are chickens & credit alike! - 07/25/08 11:41 AM
Here is my true story: How Chickens & Credit are alike!
Many years ago my husband was still active duty and was stationed at Ft. Campbell, Ky. So I followed him to Tennessee; yes Tennessee, Ft. Campbell is half in Kentucky & half in Tennessee. We rented a house in the country and as a city girl who loves animals; I started to collecting rabbits, dogs, cats, goats & wanted chickens. Now remember I am a city girl, a local friend said you can buy chickens by mail and gave me a catalog. This was a first for me and I … (12 comments)
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Brenda Tressler
Clarksville,
TN
More about me…
Crye-Leike Realtors
Address: 2204 D Madison St, Clarksville, TN, 37043
Office Phone: (931) 648-2112
Cell Phone: (931) 206-1907
Email Me
Real Estate & Mortgage information in Tennessee. Local information for Ft. Campbell, Clarksville, Dickson & Nashville areas. Current credit, real estate & home loan information that may apply to you as a home buyer or seller
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