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



July 4th Weekend in Chattanooga    July 4th weekend is always fun in Chattanooga,with free events every day, starting tomorrow on July 1. Here is a good start for a fun weekend offree events. Have a great weekend. I hope to see you this July 4th weekend at some of these events.   July 1 Miller Pl...
HUD has issued a ruling regarding fees paid by Home Warranty companies to real estate agents and mortgage originators. There is nothing new to the intepretation of RESPA, "A referral is not a compensable service for which a broker or agent may receive compensation." The HUD notice indicated that ...
UPDATE 6/30 Senator Reid released a statement the the tax credit extension passed, but the Senate vote roll does not show there was a vote. More details I guess in the morning. The House has been busy trying to recover the Home Buyer Tax credit closing deadline extension. This time as a stand alo...
Chattanooga has a fairly active Sierra Club locally. It is active in community education outreach with monthly speakers. Last night the topic was alternative energy sources, focusing on bio fuels and ethanol. The basic idea is to reduce dependence on oil sources from the Middle East. More drillin...
Quicksprout is recognized as a top business blog. A recent post lists 15 warning signs that your business sucks. Gotta love the author, Neil Patel's, subtlety. All of the points are excellent, as usual. I wanted to talk about a couple of the points that hit home with me. 1. Money decisions This i...
Charlie Daniels Band highlighted the music for the final night of Riverbend 2010. The crowd loved every minute of the performance. Charlie Daniels showed his talent on the guitar as well as the fiddle. I have listened to Charlie Daniels' songs on the radio for over 30 years. But I never realized ...
Forbes found that Chattanooga tops the list of places in which a home is a great investment, now, in today's market. A town "where people make enough money to buy good houses, where taxes are low and where prices were expected to rise."       Items reviewed in the survey: percentage of the popula...
The big financial reform bill is near passage as the House and Senate reconciliation conference announced agreement. The bigger issued that were worked out were on derivatives, bank regulations, and consumer protection. UPDATE 6/29 - the provision to tax big banks was cited as a problem for passa...
Today's cloture vote to end the filibuster on the Tax Extenders Bill has failed to pass. The Tax Extenders Bill includes provisions to extend the Home Buyer Tax Credit time to close eligible purchase contracts from June 30 to September 30 and to extend unemployment benefits. Most reports indicate...
I saw this sign at a local restaurant in downtown Chattanooga. If anyone knows which restaurant, please post in comments. You will win! I'm not sure exactly what point to make from the sign, and would love to hear comments about how you take it. The restaurant is a gourmet hamburger place - very ...

Richard Smith

FHA VA Rural Development in TN GA
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