DORIS's Blog - "TEAM MOTHER DAUGHTER" doris and sherri

If you would like information on buying homes under the THDA program, please feel free to contact us, we service all of Middle Tennessee and love to work with first time home-buyers.

"TEAM MOTHER-DAUGHTER"

of Reliant Realty

FOLLOW-UP October 7, 2008

Since I originally posted this blog (less than a week ago), I have had an enormous amount of phone calls and e-mails, after referring them to a lender that specializes in government loans, I have found that many are NOT qualified for various reasons.

This means to many, that they will need to sell their home before foreclosure. This is a very stressful and confusing time in someones life.

My daughter and I have decided that we need to help persons in this situation and the only way we can do that is offer anyone a Full Service Listing at a Discounted Price, with no discount in services.

We realize that no one wants to have to sell their home, but in life it does happen so with a sad heart we are offering our services to you, with a promise that we will do all we can to assist you in your current situation.

Feel free to contact us for a private non-oligatory meeting to discuss your situation, your privacy is quaranteed. Please mention THDA Great Save when you call.

Thanks and Best Wishes to All

DORIS FREEMAN - SHERRI SMITH

615-438-3221 - 615-557-2070

ITS PUMPKIN TIME IN TENNESSEE

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Tue, 30 Sep 2008 11:53:12 -0500

Pumpkin Time in Tennessee is always great fun and marks the beginning of fall colors.

You can find a Tennessee Pumpkin Patch

in almost every County in Tennessee.

Sumner County Farms has at least 7 that I know of.

The age old QUESTION, how do I pick a pumpkin that will last? Here are a few tips.

Look for a pumpkin that still has it stem and if possible is green and is firmly attached, preferably 1-2 inches long. If the stem is missing or brown it may already be beginning to break down.

Don't buy one that has soft spots, mold or warts, yes pumpkins get warts, they are caused by a virus it doesn't affect us or the fruit, it just won't last as long.

If you paint rather than carve, it will last much longer also.

If you are looking for a great way to spend quality time with the family an afternoon at one of the many Pumpkin Patches should be your destination.

They have a lot of unique outdoor fun and an atmosphere where families of all ages can relax and enjoy the great outdoors together. Some of the activities you can find at various Pumpkin Patches are Corn Mazes, Fall Festivals, hay Rides, Cow Trains, Barnyard Animals, Picnic Areas, Gift Shops, Petting Zoos, Playgrounds..

To find out where some of the Tennessee pumpkins are you can visit:

www.PickTNProducts.org

"TEAM MOTHER DAUGHTER" - "doris and sherri" -

Or go to: http://www.homesintennesseeforsale.com

Or E-Mail: dorisandsherri@yahoo.com

Doris Freeman - Sherri Smith

615-438-3221 - 615-557-2070

of Reliant Realty -615-859-7150

If you are considering buying or selling Real Estate in Sumner, Davidson or Wilson Counties, call "doris and sherri", they are true professionals and can assit you in your Hendersonvil Search for Homes, or if your looking for Gallatin Houses for Sale, they have Nashville Houses for Sale and don't forget to look in Madison-Goodlettsville Houses for Sale.

GOOD NEWS - TENNESSEE

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Tue, 30 Sep 2008 11:17:18 -0500

Good News for Tennessee.....

This appeared in the Tennessee Association of Realtors 9/30/08 Digest.

The TAR DIGEST

9-30-08 TAR DIGEST

Posted: 29 Sep 2008 03:38 PM CDT

The Weekly Membership Newsletter of the Tennessee Assn. of REALTORS
Editor: Pug Scoville

2. It's Affordable in Tennessee!

Among all of the negative news stories that crossed our desks last week, one news item actually was a "win" for one Tennessee city:

*** BEGIN QUOTE ***
The cost of buying and maintaining a home is pretty reasonable if you live in certain Midwestern or Southern cities, according to Forbes magazine's new report.

To determine America's least expensive places to own a home, Forbes used data from the U.S. Census Bureau's 2008 American Community Survey, released Tuesday.

The survey reported the 2007 median monthly housing costs in the country's metro areas with a population over 65,000. Housing costs include monthly mortgage payments, real estate taxes, various insurances, utilities, fuels, mobile home costs and condominium fees.

Here are the top-10 cheapest cities to own a home:

1. Cleveland: $978 a month
2. Columbus, Ohio: $1,060 a month
3. Pittsburgh: $1,187 a month
4. San Antonio, Texas: $1,216 a month
5. Indianapolis: $1,232 a month
6. NASHVILLE: $1,256 A MONTH
7. New Orleans: $1,296 a month
8. St. Louis: $1,299 a month
9. Charlotte, N.C.: $1,336 a month
10. Cincinnati: $1,353 a month

*** END QUOTE ***

•· This is good news for home buyers and sellers in Middle Tennessee, and if you find yourself in need of a Real Estate Professional to assist you in your Hendersonville Search for Homes, or looking for Gallatin Houses for Sale, Nashville Houses for Sale or Madison-Goodlettsville Houses for Sale, be sure to call:

"TEAM MOTHER DAUGHTER" - "doris and sherri" -

Or go to: http://www.homesintennesseeforsale.com

Or E-Mail: dorisandsherri@yahoo.com

Doris Freeman - Sherri Smith

615-438-3221 - 615-557-2070

of Reliant Realty -615-859-7150

Tennessee Farm Fresh

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Thu, 18 Sep 2008 23:14:05 -0500

Farmers markets are more than just vegetable stands today, they are a gathering place for the locals to sell their goods at fair prices without having to pay large fees for a store fronts, agriculture costs are rising and that means higher costs to the consumer so when visiting your local farmers markets or the actual farm you know that you are not only getting quality, fresh foods but usually at a lower cost, your food is not picked green and ripened in the grocery store.

"TEAM MOTHER DAUGHTER" - "doris and sherri" -

Doris Freeman - Sherri Smith

615-438-3221 - 615-557-2070

of Reliant Realty-859-7150

Compare Hospitals, before you go

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Thu, 11 Sep 2008 11:56:45 -0500

Here is a website everyone should have on their favorites list.

It's the Hospital Compare Website: http://www.hospitalcompare.hhs.gov

According to the site it was created by the efforts of The Centers for Medicare & Medicaid Services (CMS), which is an agency of the U.S. Department of Health and Human Services (DHHS) and members of the Hospital Quality Alliance (HQA).

This website is a great tool for anyone using the services of a hospital, including Medicare patients, but don't use this as your sole source of information, consider your doctors recommendations and do research if you have the time before entering a hospital.

You can find general information from a Hospital Checklist, to your rights as a patient. They also have a section to see what actual patients have had to say about their care in certain hospitals. You can find out the results of certain care and treatments.

I'm sure there are many more websites similar to this one, but after going through this one it really has some great information and could be used by families, their doctors and nurses and even hospitals themselves to see how they rate with other facilities.

I hope you find the information on this site as informative as I did, I plan on adding this site to my Real Estate website at:

Doris Freeman - Sherri Smith

615-438-3221 - 615-557-2070

"TEAM MOTHER DAUGHTER"

Reliant Realty

E-Mail: dorisandsherri@yahoo.com

Your Real Estate Partner for Homes in Middle Tennessee, including your Hendersonville Search for Homes; Gallatin Houses for Sale; Hendersonville Lake Homes for Sale; Madison-Goodlettsville Houses for Sale, Nashville Houses for Sale; Mt Juliet Real Estate for Sale; Sumner County Houses fro Sale and Wilson County Houses for Sale.

Water Heaters

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Wed, 10 Sep 2008 18:22:47 -0500

I went to the Nashville Home & Remodeling Show this last weekend. It had some great new and interesting things for the home.

Here's the one I was really impressed with, now it's been around for awhile, but I had never really looked at one or talked to someone about them.

It's The Tankless Water Heater

You get endless hot water, you only heat the water you need, when you need it, you can get 240 or more gallons per hour with NO recovery time.. This has got to be the wave of the future and talk about "Green". You can get them for use with gas or electric

They say that you can get up to 40%, yes I said 40% energy savings. That's because when there is NO demand for hot water the tankless unit shouts down and uses no energy. And you don't have to worry about the tank leaking and flooding your home.

Now you can take a shower, run the washing machine and dishwasher and still have hot water.

They are so small and take up very little room, not much bigger than a suitcase, not the big one a carry on.

So homeowner's next time you are in the market for a water heater, check these out. They cost a little more than a conventional water heater, but with the savings you should be able to re-coup the extra cost and don't forget no more cold showers.

Doris Freeman - Sherri Smith

of Reliant Realty

615-438-3221 - 615-557-2070

E-Mail: dorisandsherr@yahoo.com

Hendersonville, Tennessee -WYNCREST SUBDIVISION

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Wed, 10 Sep 2008 16:42:22 -0500

Hendersonville, Tennessee - 37075

WYNCREST SUBDIVISION

Wyncrest consists of approximately 243 home sites.

Wyncrest Subdivision is an Up-scale Subdivision, with stylish home interiors for the family seeking a spacious home and yard. Many of the homes are loaded with extras from hardwood floors, granite counter-tops and open floor plans.

The average age of the homes is 10 years.

The average turnaround on homes in this neighborhood is 6.23 years.

The tax record square footage in this subdivision is between 2380 to 4489

Tree Lined Streets with sidewalks.

This is a great family neighborhood. Its just a quick jump to downtown Nashville, you have the best of both worlds, country atmosphere with great schools and easy access to Metropolitan Nashville.

Many of the Homes are Surrounded by Mature Trees and some back up to farmland.

The homes are mostly constructed of all brick or brick on three sides and some siding, with large lots, great for families, room for play areas and outdoor living.

The prices for homes in this neighborhood run between the low $200's - low $300's.

Easy access to Hendersonville Hospital - Vietnam Veterans By-Pass - Large Shopping Centers - grocery stores - banks, schools and less than a mile to Country Hills Public Golf Club, and just a few miles to Bluegrass County Club (Private) no need to go outside this area for anything.

If you are looking for a settled neighborhood with

Call - "TEAM MOTHER DAUGHTER"

Reliant Realty

Doris Freeman - Sherri Smith

615-438-3221 - 615-557-2070

E-Mail: dorisandsherri@yahoo.com

http://www.dorisandsherri.com

We would love the opportunity to show this neighborhood and any of the others in your Hendersonville Search for Homes, Gallatin House for Sale, Sumner County Houses for Sale, Hendersonville Lake Homes for Sale or Sumner County Farms for Sale.

Please visit our website to find out more about

"dorisandsherri" - "TEAM MOTHER DAUGHTER"

Hendersonville, Tennessee - HOMESTEAD PLACE SUBDIVISION

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Mon, 08 Sep 2008 11:49:07 -0500

HENDERSONVILLE, TENNESSEE - 37075

HOMESTEAD PLACE

Homestead Place consists of approximately 81 home sites.

The average age of the homes is 9 years.

This neighborhood at this writing has held an average 22% increase in home prices.

The average turnaround on homes in this neighborhood is 4.33 years.

The tax record square footage in this subdivision is between 1617 to 2470

Shaded Picnic Areas

This is a great family neighborhood. It has a homeowner's association and neighborhood playground with shaded picnic areas and walking area.

Playground Area

The homes are mostly constructed of brick fronts and siding, with small manageable lot size, great for the family that wants the privacy of a yard but doesn't want to spend all their free time working on the yard.

Homes in this subdivision range in prices from the low-$100's to high-$100's

Less than a mile to Hendersonville Hospital - Vietnam Veterans By-Pass - Large Shopping Center, that is still adding stores - grocery stores - banks, no need to go outside this area for anything.

Call - "TEAM MOTHER DAUGHTER"

Reliant Realty

Doris Freeman - Sherri Smith

615-438-3221 - 615-557-2070

E-Mail: dorisandsherri@yahoo.com

Website: http://homesintennesseeforsale.com

http://www.dorisandsherri.com

Please visit our website to find out more about

"dorisandsherri" "TEAM MOTHER DAUGHTER"

BROKERS LICENSE

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Sun, 07 Sep 2008 19:26:18 -0500

I got my letter today, "Congratulations on obtaining your BROKER license." I took the additional classes and my test in August.

Of course, I now have 3 years to complete an additional 120 hours of approved post license real estate education. I think I'll get my CRS or GRI or both.

With the constant changes that occur in laws, rules or policies, I was really glad I decided to complete my broker requirements. The updated information on these items are always needed.

Doris Freeman - "TEAM MOTHER DAUGHTER"

615-438-3221 - e-mail: dorisandsherri@yahoo.com

CLASS REUNIONS - SUMNER COUNTY, TENNESSEE

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Sun, 07 Sep 2008 18:31:10 -0500

IT'S TIME TO CATCH UP!

Sumner County Class Reunion Dates

Hendersonville High School: Class of 1983

25th year reunion on September 20, 2008 - from 11 a.m. - 3 p.m. at Sanders Ferry Park, Shelter Number 8 and from 6:30 p.m. - 11:30 p.m. at Lighthouse Events Center (reservations only).

For more information send name, address and phone number to

hhs_classof1983@bellsouth.net or call 615-24-0988

The class is on classmates.com and facebook.com

WOW! WOW! WOW!

Gallatin High School: Class of 1953

55th year reunion on November 1, 2008 at Cherokee Steak House, Spouses and guests are welcome.

For more information, call 615-452-7276 or 615-826-8159 or e-mail bebebop@bellsouth.net.

This class also has ongoing monthly meals for class members and spouses or guests at The dining Room in Gallatin at 11 a.m. the third Monday of every month. For additional information use the information provided .

Gallatin High School: Class of 1988

20th year reunion on September 19th and 20th, 2008 at the

Bluegrass Yacht and Country Club in Hendersonville.

For more information, call 615-646-7777 or visit classactreunion.com

Gallatin High School: Class of 1998

10th year reunion on September 27, 2008.

For more information, e-mail your name and mailing address to: classof98ghs@gmail.com or call Amanda Yates Slusher at 615-230-8229

Trousdale County High School: Class of 1973

35th year reunion on September 13, 2008 at Tully's Bistro in Hartsville.

For more information, call Jody Mayhew Piper at 615-451-3149 or 615-519-3149

Westmoreland High School: Class of 1993

15th year reunion on September 20th, 2008 at Woody's Steakhouse (between Hendersonville and Rivergate), beginning at 6 p.m.

For reservations, contact Jason Cline at 615-822-7604 or jasoncline@bellsouth.net by September 13.

Westmoreland High School: Class of 1978

30th year reunion on October 18th, 2008 at Macon Bank 8in Westmoreland, beginning at 6:30p.m.

For more information call Mildred Herald Cornwell at 615-452-0425 or 615-972-9749 or e-mail cornwelmildredcrn@aol.com

Doris Freeman - Sherri Smith

615-438-3221 - 615-557-2070

'TEAM MOTHER DAUGHTER"

at Reliant Realty

Selling Sumner County Real Estate with Integrity

BROKERS LICENSE

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Thu, 04 Sep 2008 11:25:21 -0500

I got my letter today, "Congratulations on obtaining your BROKER license." I took the additional classes and my test in August.

Of course, I now have 3 years to complete an additional 120 hours of approved post license real estate education. I think I'll get my CRS or GRI or both.

With the constant changes that occur in laws, rules or policies, I was really glad I decided to complete my broker requirements. The updated information on these items are always needed.

Doris Freeman - "TEAM MOTHER DAUGHTER"

615-438-3221 - e-mail: dorisandsherri@yahoo.com

NASHVILLE HOME DECORATING & REMODELING SHOW!

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Wed, 03 Sep 2008 10:28:59 -0500

NASHVILLE, TENNESSEE

It's all happening this weekend ( September 5, 6 & 8, 2008 ) the 25^th Anniversary of the Home Decorating & Remodeling Show, held at the Nashville Convention Center.

You can find New Products, The Latest Trends, Decorating Ideas, Furniture, Tips for the Indoors and Outdoors.

Anything you need from floors to doors will be displayed.

Up to 40 seminars, including but not limited to:

• Going Green with Computer & TV Technology

• Renovation Financing in Today's Market

• Maximizing Closet & Storage Space

• Choose Your Flooring: Natural, Sustainable or Exotic?

• The Truth About digital TV & February 2009

• Don't Let Your House Become as Worthless as an SUV

• Get the Lead Out

• Protecting Your Decorating Investment

• Insulated Concrete Systems

• And The Featured Show Sponsor: 10 Tips for Living Green

Go to: http://www.nashvillehomeshow.com

To print your discount coupon and find out more.

Also, Tuesday, 9/3/08, edition of the Tennessean has a complete listing of seminar times and layout of booths.

So, if you are buying, selling or renovating a home this is the place you want to be this weekend.

If you need assistance on what you may need to do to prepare your home for selling, call the

Real Estate Team of

"TEAM MOTHER DAUGHTER" - "doris and sherri" -

Or go to: http://www.homesintennesseeforsale.com

Or E-Mail: dorisandsherri@yahoo.com

Doris Freeman - Sherri Smith

615-438-3221 - 615-557-2070

Reliant Realty

SELLER'S DO YOU HAVE IT?

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Wed, 27 Aug 2008 11:59:20 -0500

SELLER'S DO YOU HAVE IT?

Curb Appeal That Is?

So you've decided to sell your home.

Before, listing put on your BUYER'S hat and take a walk around the outside of the whole house, and take extra special attention to the front, stand on the front porch for a few minutes and see what the buyer will see. Don't forget to take a note pad; you are going to need it.

You have made the decision to sell your home and your real estate agent will do everything they can to sell your home, but there are a lot of things you can do to HELP.

Your home will NOT sell if you can't get the buyer's to look at the inside, so WHY are we talking about the OUTSIDE? Because, with great curb appeal we as agents can get them to look at the inside.

When looking around your home WHAT, if you were a buyer would you dislike about the home? Write ALL of the things you can think about down, pick your exterior APART, because that's what a buyer is going to do.

Now, go over the list and see if many of the items are just small, simple and easy to remedy items, (i.e., shutter needs adjusting, painted, screens are torn, bushes are overgrown, sidewalk needs cleaning), you get the point. Many of the items on your list are not expensive to remedy and will take more time than money. Take a weekend and have the whole family pitch in, clean out the flower gardens (nothing in them is better than weeds), trim the bushes back, wash the front door (I know you never use it, but guess what, that's how the buyer will enter your property and they will stand there looking around while the agent is getting the key.

I usually don't suggest that you do the little tasks first, but when selling a home, sometimes when they are taken care of the larger items don't look so bad.

One large item I strongly suggest you look at ESPECIALLY if your garage door opens to the street, you guessed it, THE GARAGE DOOR, if it is dented, doesn't open and close properly, badly in need of paint, or just OLD, You need to REPLACE it, they come in all sorts of designs, sizes and prices, you would be surprised how a new updated garage door can improve your curb appeal and add value to your home, also, add a automatic garage door opener is you don't have one.

Feel free to go to our web site and order one or more of the many FREE sellers reports we have available to you.

Doris Freeman - Sherri Smith

615-438-3221 - 615-557-2070

‘TEAM MOTHER DAUGHTER"

Reliant Realty

E-Mail: dorisandsherri@yahoo.com -

Website: http://homesintennesseeforsale.com

Check out the, Hendersonville Lake Homes, Gallatin Houses for Sale, Nashville Houses for Sale, Madison-Goodlettsville Houses for Sale, Hendersonville Search for Homes, Mt. Juliet Real Estate for Sale, Brentwood Luxury Homes, Sumner County Farms for Sale, Sumner County Houses for Sale and Wilson County Houses for Sale on our website.

SINGLE PEOPLE NEED HOMES TOO!

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Sat, 23 Aug 2008 19:00:36 -0500

DON'T PROCRASTNATE - BUY NOW

Single people need homes too.

This is for anyone looking for a home, but single people will have additional items to address.

If you are buying a home with a friend it is different than buying a home with a spouse or a life partner. So before, you go forward make sure you have discussed everything, especially the hard questions, have some very frank discussions about each of your expectations.

Or if you can afford to do so go so-lo.

-----------------------------------------------------------------------------------------------------------------------

So you want to buy a home? You've made a commitment with yourself to purchase a home, well, that's just the start.

So, let's get started: Get out a pen and pad; you need to write a few things down.

First: And this is before you shop for a Realtor or a Home, write down WHY you want to buy a home. What does this mean to you? Has this been a life long dream?

The big home with a white picket fence and a dog, isn't for everyone, think about what type of home you would like, large lot, small lot (do you like to mow)? Write down everything you think about, you can organize it LATER. This will take longer for some than others, it is because of the tax write-offs, write it down, or because you would like to have lots of pets, whatever comes to mind, write it down.

•· Next, decide when you would like to move.

Second: This step is a little easier than the first, but almost more important, FIND A REALTOR

Don't: just call Aunt Suzie or Uncle John if they don't work as:

FULL TIME FULL SERVICE REALTORS, also find out if the Realtor is an

ABR (Accredited Buyers Representative).

Make an appointment with several Realtors and talk with them see if you and that person think the same about important things and ask yourself:

Could I tell this person important information and feel comfortable that they would keep it confidential and be loyal to me.

When you can answer YES to this question, you have found your REALTOR.

Ask them if they would be willing to represent you in your home purchase, and sign a Buyers Representative Agreement. Remember that loyalty is a two-way street; you need to be as truthfull and honest with your agent as you expect them to be with you.

•· Now it gets a LITTLE easier.

Next: With the help of your chosen REALTOR, you will need to find a Mortgage Lender, and apply for your loan, (YES, do this BEFORE you look at homes).

Once you have applied for your loan, the loan officer will tell the maximum amount of home you qualify for, with the down payments and assets you disclosed to them. This is considered pre-qualification.

NOW: It's time to start looking for Your Home, your agent and you need to discuss your want and needs to determine your priorities.

When pre-viewing homes be sure to tell your agent what you like and also what you don't like is just as important.

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 - Sherri Smith - "TEAM MOTHER DAUGHTER"

615-438-3221 615-557-2070 Reliant Realty

dorisandsherri@yahoo.com

http://www.homesintennesseeforsale.com

Additional posts, which may interest you regarding the purchase of your new home:

                        First Time Homebuyers

               Run, Don't Walk -Part One of Six

                         Run, Don't Walk - Part Two of Six

                                  Run, Don't Walk - Part Three of Six

                                         Run, Don't Walk - Part Four of Six

                                                 Run, Don't Walk - Part Five of Six

                                                         Run, Don't Walk - Part Six of Six

BREAKING NEWS.....maybe you decide...

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Wed, 30 Jul 2008 21:19:56 -0500

We've all heard of or used www.Craigslist.com , a website where you can post almost anything you have for sale including Real Estate.

They now have some of the toughest competition out there. A new site that has an alliance with www.Oodle.com and has partnerships with CoxMedia and The Washington Post.

Today I went to the Wal-Mart Website looking for a camera for taking my Real Estate Pictures and discovered something I wasn't aware of.

If you haven't guessed it yet, it's none other than: WAL-MART

Yes, Wal-Mart now has free classified advertising at: www.WalMart.com

When you go to their site scroll down and in the left margin you will see Classified.

I hope to soon begin adding my Gallatin Houses for Sale, my Nashville Houses for Sale and your Hendersonville Search for Homes should become easier with the addition of Real Estate Listings.

Information Provided by:

Doris M. Freeman - Sherri L. Smith

615-438-3221 - 615-557-2070

"TEAM MOTHER DAUGHTER"

RUN, don't walk..., Part 6

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Tue, 29 Jul 2008 23:05:22 -0500

RUN, don't walk ----- PART SIX OF SIX

FIRST TIME HOMEBUYERS: IT'S A BUYERS MARKET

It's almost moving time, but first we need to close. This is at this time when the ownership of the property conveys from the seller to the buyer.

The lender has issued a final loan approval, the inspections are complete, the title search has been completed, its time to set a closing date.

Everyone will be present, the lender will have given the title company their instructions for the closing documents, the buyer and seller are present, their respective real estate agents and/or the attorneys, and the closing agent or closing attorney.

The closing company will pay off all liens and guarantee the buyer and lender that the new buyer owns it free and clear of any liens other than the new loan. In addition they will record the buyer's deed and new mortgage at the court house.

NOW, take a deep breath you are a HOMEOWNER, and begin enjoying your new Home.

Information Provided by:

Doris M. Freeman - Sherri L. Smith

615-438-3221 - 615-557-2070

"TEAM MOTHER DAUGHTER"

Run, Don't Walk - Part One of Six

RUN, don't walk...

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Tue, 29 Jul 2008 22:54:04 -0500

RUN, don't walk ----- PART FIVE OF SIX

FIRST TIME HOMEBUYERS: IT'S A BUYERS MARKET

This step consists of many items, you should have by this point chosen your lender and been pre-approved. Your realtor will need to deliver to your lender the final executed sales contract to the lender to begin the final loan approval process.

During this phase you will want to have the home inspector of your choice do the home inspection. In our area of Tennessee the seller will normally have the termite inspection done for the purchaser, unless it's a foreclosure. You may need an inspection on the well if the property has well water, and if you have decided to have a survey done you will need to get this ordered. Depending upon the property you may have other inspections done, if they were a part of the contract.

You and/or your lender will need to select an appraiser and have a professional appraisal done on the property. Most lenders require this as part of the loan process. If the appraisal requires repairs, most lenders require them to be completed prior to the closing, regardless of who has agreed to pay for them.

You realtor should be there to assist and guide you through this process, however, there are many decisions that they can NOT make for you, they can only provide information to you to help you with the decision.

This stage of home buying can at times be very confusing and flustering. Don't stress let your Realtor help and advise you, normally this stage takes 30 days. Don't let buyers remorse depress or stress you, it normal to have these feelings, discuss them with your Realtor they can normally explain the situations that are causing these feelings and remember, this is leading up to one of the happiest days, YOUR HOMEOWNERSHIP!

Information Provided by:

Doris M. Freeman - Sherri L. Smith

615-438-3221 - 615-557-2070

"TEAM MOTHER DAUGHTER"

of Reliant Realty

Run, Don't Walk - Part One of Six

DO NOT CALL... ever!

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Fri, 25 Jul 2008 10:15:53 -0500

Well effective July 23, 2008 CELL PHONE numbers were released to the public. Yes that means yours!

CALL the National Register to add your cell phone to the DO NOT CALL LIST.

You can do this by calling from the phone you want added: 1-888-382-1222

or go to: www.donotcall.gov

You can also register a complaint on the website, but your phone number must have been on the do not call register at least 31 days before.

I hope this helps you save your cell minutes for the calls you want to make and receive.

Information Provided to you by:

Doris Freeman - Sherri Smith

615-438-3221 - 615-557-2070

"TEAM MOTHER DAUGHTER"

of Reliant Realty

RUN, don't walk... Part 4

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Thu, 24 Jul 2008 22:11:15 -0500

RUN, don't walk ----- PART FOUR OF SIX

FIRST TIME HOMEBUYERS: IT'S A BUYERS MARKET

So we've found the perfect home! At this point, a professional, knowledgeable Realtors assistance is especially valuable. Once you and your agent have determined a price, you will need to put that in writing on a Sales Contract, (at this point you are making the seller an offer).

After completing the written offer to the seller you will sign the contract and your agent SHOULD give you a complete copy of everything you have signed for your records. You will be asked to provide Earnest Money at this time. This indicates that you are serious about purchasing the home. If the seller were to reject your offer this is fully refundable.

The other option the seller has is to counter your offer, (that is make you an offer, based upon your original offer), now the skills and knowledge of your Realtor will unfold, this is the start of the negotiation. During this phase you and your Realtor will discuss many factors, involving the purchase and your Realtor should try to stay detached from the emotions of purchasing a home and keep your interests at the utmost. Once you reach a meeting of the minds and the contract is finalized, we'll move on to Part Five of this Series.

Information Provided by:

Doris M. Freeman - Sherri L. Smith

615-438-3221 - 615-557-2070

"TEAM MOTHER DAUGHTER"

Run, Don't Walk - Part One of Six

If you interested in finding a home we have Sumner County Houses for Sale, or Wilson County Houses for Sale, we can find you a home in Madison-Goodlettsvile, Hendersonville, Mt. Juliet, Brentwood and even Nashville Houses for Sale. We could find you that Luxury Home, Farm, Lake Homes.

You can view them all on ourwebsite and even search the MLS Free!

RUN, don't walk...Part 3

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Thu, 24 Jul 2008 11:27:13 -0500

RUN, don't walk ----- PART THREE OF SIX

FIRST TIME HOMEBUYERS: IT'S A BUYERS MARKET

Now the Fun Begins! Let's go house hunting. You will probably have already decided what type of a home you will be looking for, (condominium, detached single family, farm, one-story or more, lot size or acreage). It is helpful to your Realtor if you make lists of features you require and another for features you prefer - as well as features that are absolutely unacceptable to you.

Your Realtor should help you with other important factors, such as the LOCATION, this is a vital factor in selecting your home. Also, schools (are they close, is this a factor for you), commuting times, conveniences such as shopping, grocery stores, and things many agents do not consider are crime statistics, what type of traffic flow is in the area, is the area susceptible to flooding.

As you can see there's a lot to purchasing your family's home. Try to buy in the best area that your family can afford.

Information Provided by:

Doris M. Freeman - Sherri L. Smith

615-438-3221 - 615-557-2070

"TEAM MOTHER DAUGHTER"

Run, Don't Walk -Part One of Six

If you interested in finding a home we have Sumner County Houses for Sale, or Wilson County Houses for Sale, we can find you a home in Madison-Goodlettsville, Hendersonville, Mt. Juliet, Brentwood and even Nashville Houses for Sale. We could find you that Luxury Home, Farm, Lake Homes.

You can view them all on website and even search the MLS Free!

RUN, don't wIf you interested in finding a home we have Sumner County Houses for Sale, or Wilson County Houses for Sale, we can find you a home in Madison-Goodlettsvile, Hendersonville, Mt. Juliet, Brentwood and even Nashville Houses for Sale. We could f

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Wed, 23 Jul 2008 22:29:55 -0500

RUN, don't walk ---- PART TWO OF SIX

FIRST TIME HOMEBUYERS: IT'S A BUYERS MARKET

How Much Home Can You Afford? Unless you are paying cash, you need to be Pre-Qualified by a lender before, looking for a home, to determine what amount of a loan the lender will approve. (Most lenders do NOT charge for this and there is no obligation) This will allow you Realtor to search for homes that you are qualified to purchase. Your Realtor will be able to give you several names of lenders that they have worked with in the past, if you do not know a lender to contact.

As a very general rule of thumb is that your housing costs should not be more than 28 percent of your gross monthly income. Lenders will usually require a two-year steady work history, but you could still qualify for a loan is this is not the case. They will consider all of your other debts when assessing what you can qualify for. They will also need to know how much if any down payment you have to put towards the purchase.

Information Provided by:

Doris M. Freeman - Sherri L. Smith

615-438-3221 - 615-557-2070

"TEAM MOTHER DAUGHTER"

Run, Don't Walk -Part One of Six

You can view them all website and even search the MLS Free!

RUN, don't walk...

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Wed, 23 Jul 2008 14:04:53 -0500

RUN, don't walk ----- PART ONE OF SIX

FIRST TIME HOMEBUYERS: IT'S A BUYERS MARKET

RUN don't walk to your chosen Real Estate Agent/Broker. To most first time and second or third time around buyers, the process of buying a home may over whelm you, and you just don't know where to start. This series of RUN, don't walk is for you; I hope to help take the mystery out of the home buying process for you.

Choose a real estate agent that has an ABR Accreditation, (Accredited Buyers Representative). They have taken the time to continue their education regarding the home buying process, which shows their commitment to you that they will have your best interests in mind.

Top agents take the time for professional development, help to sharpen their skills, increase their knowledge, and recognize the need for continuing education to better serve their clients.

Particularly, for a first time home buyer finding a real estate professional that can help them navigate through the home buying process smoothly is of utmost importance, this is the beginning of a journey that should be enjoyable and as stress free as possible. Interview them, ask questions, they will be working for YOU! There's more to becoming a homeowner in today's market than just looking in the MLS.

Be sure to sign an agency agreement with that person, so that you will be assured of their commitment to you and your confidences will be kept between the two of you, and you will also be committing to that agent of your genuine interest in purchasing a home, this is a contract between the agent and potential buyer.

Information Proved to You By:

Doris M. Freeman - Sherri L. Smith

615-438-3221 - 615-557-2070

"TEAM MOTHER DAUGHTER"

Reliant Realty

Run Don't Walk Part Two of Six

You can view them all on our website and even search the MLS Free!

Run Don't Walk Part Three of Six

Run Don't Walk Part Four of Six

Run Don't Walk Part Five of Six

Run Don't Walk Part Six of Six

Better Than a TV Remote Control!

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Tue, 08 Jul 2008 21:37:56 -0500

WOW!

This has got to be the website of all websites:

Here's a site for everyone and you don't have to be able to read, just know your logos

What A Handy Tool!!

This is or has to be one of the coolest things since the TV remote control

Just POINT & CLICK

Pick a site and "BOOM its there

Looking for entertainment, its there, sites for kids or about kids, its there, shopping it there, travel its there, and even weekly favorites.

GO TO:

http://www.allmyfaves.com/

Check this one out and have FUN!!!

Doris Freeman     -     Sherri Smith          "TEAM MOTHER DAUGHTER"

615-438-3221           615-5572070                         Reliant Realty

dorisandsherri@yahoo.com                       http://www.homesintennesseeforsale.com

How do you sell your home for the...

DORIS FREEMAN Realtor Hendersonville-Nashville (RELIANT REALTY LLC) — Wed, 25 Jun 2008 23:25:03 -0500

How can you sell your home for the . . .

BEST PRICE, in the

SHORTEST AMOUNT OF TIME, with the

MOST FAVORABLE TERMS

PRICE IT RIGHT . . . from the start

There are many things that affect the value of a home, and in today's market it's even more important to be sure to price your home right.

The ECONOMIC CONDITIONS are one of our biggest factors affecting pricing today, which has an impact on SUPPLY AND DEMAND, but you also need to take into consideration, MORTGAGE MARKET, and at this writing the rates are at one of the lowest points since 2002, SEASONAL MARKET, its summertime and people are moving before school starts, and last and regardless of the other factors this one is:

Very Important - - -

LOCATION - LOCATION - LOCATION

You can't change your location, each area within a city, state or the country, has its own unique characteristics and this is a very large factor that determines value. You have to compare apple to apples, not apples to oranges.

There are three ways to determine a fair market value or price:

COST APPROACH: most useful on new properties when replacement values are easily determinable

INCOME APPROACH: usually used for investment and income producing properties

MARKET VALUE APPROACH: which is normally used in re-sale residential properties, using the comparable properties sales prices.

A Proper Market Analysis will consider all of these factors and help you the seller and your Realtor / Real Estate Agent determine the Fair Market Value, at the time your home is listed, remember the above conditions change and prices/values change with them.

A properly priced listing is the most important factor in marketing your home for the best price.

DORIS FREEMAN - SHERRI SMITH

615-438-3221 615-557-2070

‘TEAM MOTHER DAUGHTER" of Reliant Realty