Richard's Real Estate Thoughts - Chattanooga, TN Mortgage Lender

Mortgage and Lending - Sierra Pacific Mortgage - Loan Officer, NMLS 184479
Mortgages, Mortgage, Home loans, home finance, home refinance, home purchase, credit, credit scoring, credit repair, conventional, FHA, VA, Rural Development, investment, First Time Home Buyer, investment, FHA 203k, renovation loans, Chattanooga, Knoxville, Cleveland, Nashville, Memphis, North Georgia, Hamilton, Bradley, Sequatchie, Catoosa, Walker, Davidson, Tennessee, Georgia, Ooltewah, Soddy Daisy, Signal Mountain, MLO NMLS 184479, TN Lic 40161, Georgia Mortgage Licensee



The Friends of the Library Book Sale is going on this week, August 25 - September 4, 2008. It is one of my favorite things. Friends always come to me to make sure that I know about it as soon as it starts. They have a used book sale twice each year, in the spring and in the fall. Hardbacks are $2...
To kick off the Labor Day weekend in Chattanooga, a large crowd was treated to three swing bands at the Swingfest in Coolidge Park. The largest part of the crowd was college age or younger. Several couples were dressed in prom attire. A wooden dance floor was set up in front of the Coolidge Park ...
Chattanooga is blessed with an active arts community. A brief walk around almost any part of the city will bring you to a random piece of art. Sometimes the art is surprising. Always it is striking. One of my favorites is Full Count by John Dreyfuss. Completed in 1990. For a long time the sculptu...
Ooltewah Real Estate Sales Real estate sales information about Oolteway, TN. Call for information about qualifying for a conventional, FHA, VA, or Rural Development home loan. It helps for both buyers and sellers to understand the trends for local areal homes for sale in the local market. Today O...
One of the articles over the last few days has been a feature on single mothers impacted by the mortgage crisis. The statistics if accurate are stunning.  The article reports that single female homebuyers are now 22% of the housing market, up from 14% in 1995. FNMA projections are for tha...
Today interest rates ended the week trending upward. This is largely attibuted to a week of mixed economic reports. Rates are always unpredictable in the short term and in the long term. Their movement is frequently seen by many as completely arbitrary. The general rule is that interest rates mov...
Chattanooga has over 10 Curves fitness centers for women that provide onsite trainers and anytime access to a full circuit training work out. Ladies can do a 30 minute session at their convenience, as often as they like. The recommended program is 3 times a week. This week the Chattanooga Chamber...
Part of the great Chattanooga downtown renaissance involves the development of upscale residences. Walnut Hill Townhomes is one of the newest additions. Mike Moon, Don Moon, and Dale Mabee of the Urban Renaissance Group, LLC, the developers, are building the first units of a townhome neighborhood...
The first of a series of expected mortgagee letters from FHA on their implementation of the new Housing Law came out this afternoon. FHA has announced the new upfront and monthly mortgage insurance premiums that will replace the existing premiums that were tiered based on credit risk. The new pre...
The FDIC has just today finally updated its regulatory watch list, increasing the number of problem banks from 90 to 117. We have been looking for this revision to guage how the industry is moving. The news report I read indicates that the banks added to the list are larger players. While the num...

Richard Smith

FHA VA Rural Development in TN GA
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