I woke this morning to the headlines in The Arizona Republic "Home Prices Sliding Again", what a depressing way to wake up.

I came out to Arizona for my Aunt's funeral, (Why else would anyone come to Arizona in August).  Although I love this state the temperatures at this time of year are hard to adjust to, I prefer to visit in December through April.

The newspaper states that "indicators are forecasting a housing 'double dip'".  Just when everyone thought it was safe to try and sell. 

This was a very good and interesting article so:  Go to the Arizona Republic, Sunday, August 15, 2010 front page and read the article by Catherine Reagor.

It appears that if you are in the market to buy, now is the time in Arizona, so Arizona Homebuyers call your local Realtor and enjoy the price breaks.

It's that time of year again, the Nashville Home, Decorating, Remodeling Show.

It starts September 10 thru the 12th at the Nashville Convention Center.

It's one of my favorite shows to attend.

They have home automation, roofing, flooring, refinishing, heat and A/C, cabinets, furniture, bath and title, windows and doors, gutters, window fashions, security services, fireplaces and grills.  All the Latest trends, newest products and expert advice all in one place.

 So grab a friend and spend the day there is something for everyone.

Be There or Be Square!

For Information you can call 1-800-343-8344

                                               or go to:  www.nashvillehomeshow.com

Have Fun

Crime Reports is an official crime and sex offender data website.  Not all cities are currently using it, however if your city is,  you have all the information from your local police department so you can get the most accurate, official information available.

Track crime in your neighborhood with CrimeReports.  It is very user friendly you can sort crime by type, date, or distance from a specified location.  Crime types, areas, sex offenders, you can receive email alerts, print view with marker on map.

As a realtor you can extend your understanding of local crime with the analytice view, with printable, interactive charts and graphs.

So why not get started and see if your city is using Crime Reports.  It just so happens my city is NOT on the list but I checked my relatives in Jackson, TN and viewed the program, it is Great!

www.CrimeReports.com

                            Doris M. Freeman     -     Realtor with Reliant Realty, LLC     -    

                                                                              615-438-3221     -     doris.freeman@hotmail.com

What is a military friendly company?  It's more than having collections for toys at Christmas or flying your flag proudly or tieing a yellow ribbon around the old oak tree.  Not that we should stop doing this but maybe we need to do more.

There are many types of military we can serve, the reserve, guardsmen, how about the support of the families with deployed spouses, or the newly seperated from the service with or without service related injuries.

We need to become more military friendly, not because it will bring in more closings but it's the right thing to do!

How about starting a e-mail list of your hometowns's service men and women keeping them up on what is going on in their community.

Have a company picnic this summer inviting ALL military related persons and the general public to help you Thank them for their service.

There are over 200 nationwide companies that offer military discounts, compile a list and let those companies and your military related families know about them.

Create a line of communication, so these men and women and their families know you care and are there for them.

And of course these families will have unique real estate related problems, we MUST as Realtors consider these problems and leans how to assist them.

LET'S SEE A LITTLE MORE RED, WHITE AND BLUE.  I believe with the help of our active rain partners we can come up with many more ideas. 

LET"S HEAR FROM YOU!

               DORIS M. FREEMAN               615-438-3221               doris.freeman@hotmail.com

                                                         RELIANT REALTY, LLC

"          Your Tennessee Realtor of Choice"

The Homebuyer Tax Credit is now ,over and you think the buyers have all gone into hibernation. 

Okay, so you think life as you knew it is over, but what a great time to dust off your old marketing strategies and get out there.

How about widening you networking sphere with things like Twitter, Facebook, LinkedIn.  But don't forget the face-to-face networking.

Or get your ABR Certification(Accredited Buyer Representative) and spread the word that you have many new tools available to assist your buyers.

Go to new sites like the HUD or Fannie Mae Foreclosures sites, use something besides the MLS to find homes for your buyers, everyone wants a bargan.

www.homepath.com or www.HudHouses.com

Dust off your farming list and send out some NEW information and make it look exciting!

AND REMEMBER "TODAY IS THE DAY TO BUY A HOME", IT CAN'T GET ANY BETTER, LOW INTEREST RATES, SELLERS WILLING TO NEGOIATE AND/OR PAY CLOSING CLOSTS, AND WHEN NECESSARY USE THE SHORT SALE. 

A short sale is a WIN-WIN , buyers get a deal and sellers move their home.

               DORIS M. FREEMAN               615-438-3221            doris.freeman@hotmail.com

                                                    RELIANT REALTY, LLC.

No more Bami Syndrome for this girl, Oh, those darling little "Bambi's" they are devoring my garden. 

We live in a large subdivision ( like in surrounded by homes) near Old Hickory Lake and the deer do roam, right into my back yard. 

Our beautiful garden which surrived the 2010 Nashville Flood.  May not survive those "dear deer" they have found us and they think they have an open invitation to our tomato plants.  They must not like bell peppers or grapes, because they haven't touched them.

Our tomato plants on the outher hand they have discovered.  They were loaded and we were just waiting for them to turn red and with so many blossoms we just knew we'd be in the tomatoes all Summer.  We now have ONE (1) yes just one green tomato left and most of the blossums are gone. 

But we shall survive, we just put up a 5 foot netted fence around our garden, we'll see if they break it down tonight.  We have also added a motion light to go off.  I really hope this works.

                     DORIS M. FREEMAN                      615-438-3221                      doris.freeeman@hotmail.com

RELIANT REALTY, LLC            

                                       "Your Tennessee Hometown Realtor"

Fannie Mae and Freddie Mac have issured some guidelines for short sales.  They are similar to those issued by the Treasurey Department but have included some time limits for lenders.

The Treasury Department plan.  HAFA (Home Affordable Foreclosure Alternatives) which went into effect in April 2010.

The Treasury department plan:

• Sets time limits for lenders to approve or reject Short Sale requests        
•               (10 days)
• It limits subordinate lien-holders from interfering with the process                        
•               (no more than $6,000)
• Their are incentives for borrowers and lenders for completing the process         
•               (up to $3000 to borrowers)
• and streamlines the documentation necessary for process

Lenders must  institute the Fannie and Freddie guidelines by August 1, 2010.

Both plans borrowers are released from future liability for the primary mortgage debt.

Check with your/the mortgage loan servicer for more information, if you/or your client need assistance with these programs.

                           DORIS M. FREEMAN               615-438-3221               doris.freeman@hotmail.com

                                                                                 RELIANT REALTY, LLC

                           "YOUR HOME SPECIALIST"

If you haven't heard of This website is phenomenal!

 There are no limits to what you can do with this website . . . google it and share with friends . . .

This is a computational knowledge engine with an expert level of knowledge by Stephen Wolfram.  And if you haven't ever heard of him don't feel so bad but by all means go to the site and read his bio.

This is a great web site and educational tool to have at your disposal. It instantly calculates so many things; math, science, chemistry, physics, financial data, weather, nutrition, health, history, people, & etc.

http://www.wolframalpha.com/.

If you want to watch a short video of this sites amazing qualities watch this first.

http://www.wolframalpha.com/screencast/introducingwolframalpha.html

You will need to put this in your favorites, but be careful sharing it with your non-college kids they may never learn to do their math!!  But it does show how the calulation was done, so parents when your kids come to you for help and you don't know how to do it go to this site and have fun.

Shared by:

                     DORIS M. FREEMAN   -   Realtor Broker    "your #1 spot for professional real estate assistance"

                                                                               Reliant Realty   -

                     Phone:     615-438-3221

                     E-Mail:      doris.freeman@hotmail.com

For sunscreen that is.  Did you know that a SPF of 30 doesn't offer twice as much protection as SPF 30? 

SPF of 15 blocks 94% of UVB rays, SPF 30 blocks 97% and SPF 45 blocks 98%.  But the cost of the new SPF's of 50-55-70 and even over 100, as the SPF's increase so does the pricing.  Higher SPF's normally cost more but are not necessarily worth it.

According to the American Academy of Dermatology, they suggest SPF 30 "because they know your're not going to put enough on."

SPF only measures one type of sun protection.  Sunlight consists of about 95% UVA this is what casues skin cancer and wrinkles and 5% UVB which causes sunburn.

So have fun this summer but don't forget the sunblock!

Doris M. Freeman                                  615-438-3221

                             REALIANT REALTY

We've all seen the papers about so many foreclosures, HUD foreclosures, bank foreclosures, it is definitely unfortunate, but it's also an opportunity for BUYERS.

You've also seen the ads, Handy-man Special or Great Fixer-Upper, needs tender loving care, or maybe NO FHA contracts because it needs to many repairs.

You also know the catch-22, the bank won't lend you the money to buy the house until the repairs are done

and you can't do the repairs until you buy the home, and you don't have the donwpayment, closing cost

money and enough money to do the repairs.  Well, if you want to get that great house at a great price, its

time to find a Buyers Representative with Rehabilitation Mortgage Experience that knows which lenders

do these loans and how they work and how to make it work, (there are Very Few of both around).

There is a government insured program that has been around for years that is available to the homebuyers that intend to occupy the new home.  Its an easy  program nad of course you must be able to qualify for the loan as you would any other governament loan. 

This program is available to anyone regardless of age, so if you are a senior and need to remodel for disabilites, this program can be used for a refinance.

Under this program you may finance up to $35,000 in improvements to the property, including but not limited to:

               Repair or Replace:   Windows and Doors - Roofs - Gutters - HVAC units - painting - waterproffing basements - septic or well - Purchase appliances, Remodel for persons with disabilities - weatherization - remodel kitchens - and many more...

You may purchase HUD forclosure homes including one that states it is uninsurable, provided the repairs qualify as eligible work items.  

If you have been discouraged about purchasing a home that needs repairs, either by a real estate agent, lender or otherwise.  STOP, don't listen, you can do it, yes it will mean a commitment from you to get your  loan in order, with of course help from our team, there is additional effort and paperwork to be done, but isn't owning a home or your own at a great price worth it?

            Remember,     Don't Procrastinate     Don't Wait...Buy Now...

---  prices, even in a slow market rise faster than you can raise your credit score,

or save an extra few thousand for a down payment --- 

-     Doris Freeman     -     Broker - ABR - Realtor   -      615-438-3221

                                                                                 of Reliant Realty

E-Mail:          doris.freeman@hotmail.com