Tim's Blog

Agent Open House - Thursday 12 November 2009 - Marymont Subdivision Clarksville

Mon, 09 Nov 2009 18:29:27 -0600

Clarksville Real Estate Professionals, please join Pam and I for an Agent Open House at 3353 Clearwater Drive.

When: 12 November 2009

Time: 11 to 1

As always there will be door prizes and lunch!

Directions: From I-24 take Exit 1, turn right onto Tiny Town Road; Right on Clearwater Drive; Home is on the right.

We hope that you can make the time to come view this wonderful property and visit! We look forward to seeing you.

	Residential	MLS No.1130043
Status Active	Area 75	List Price $187,500
Type Site Built	Er/Ea Exc. Right to Sell	Media
Address 3353 Clearwater Dr	City Clarksville	Zip 37042
County Montgomery	Sub/Dev Marymont	MLS Map
Lot Number	Tax ID 007O B 002.00	Deed Book/Page V523/1588
Directions *I-24 @ Exit 1 turn Right on Tiny TownRoad* Right on Clearwater Drive . House is on right.**

General Information
Style Contemporary	Stories 2.00	Year Built 1993 / Existing
Acres	Total Rooms 8	Completion
Size 120X210.95X58.2X33X208.95	Lot Slope	Assoc Fee $ /mo
Constr Siding / Vinyl	Floors Carpet / Finished Wood / Tile / Vinyl /	Basement None / Crawl
Driveway Concrete	Waterfront /	Garage 2 / Attached - SIDE
Community Amenities	Roof Composition Shingle

Rooms and Dimension Information
Liv 18x15 / Fireplace	Rec 18x21 / Over Garage	Bed 1 16x12 / Full Bath
Din 11x12 / Formal	Hobby /	Bed 2 12x12 / Ex. Lg. Closet
Kit 11x15 / Eat-In	Other 9.4x9 / Breakfast Room	Bed 3 12x12 / Ex. Lg. Closet
Den /	Other /	Bed 4 12x12 / Ex. Lg. Closet
	Bedrooms	Full Baths	Half Baths	Finished Square Feet (est)
Main	1	1	1	Main	1150	Est. SqFt. Source
Other	3	1		Second	1096	Tax Record
				Third
Total	4	2	1	Basement		Total	2246

Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617

The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

Lot 46 Farmington, Clarksville TN Real Estate

Sun, 08 Nov 2009 22:21:53 -0600

Lot 46 Farmington, Clarksville TN Real Estate. Custom Built Home by Prestige Builders. You will not find this home plan anywhere else in the subdivision. Prestige prides themselves on building one of a kind custom homes with all the amenities at a great value to you.

Brick and stone front with hardyboard on the sides (not vinyl). This home is just over 2400 square feet and you still have the option to pick your carpet and hardwood.

The home offers a unique layout with an open main level and a gorgeous master suit also on the main level. There are four total bedrooms with an office (could be a 5th bedroom)

Large kitchen complete with stainless appliances, tile floors and granite countertops.

Note the magnificient trimwork that is going into this showplace.

Located in a cul-de-sac toward the back of the subdivision, this property is a must see. Farmington is one of the hottest subdivisions in the Clarksville TN Real Estate market.

Contact The Cash Team today for more information about this home or any other homes in Farmington Subdivision.

Regards,

Tim and Pam Cash

Crye-Leike Realtors

931-648-2112 (office)

931-338-1375 (cell)

www.cashsofclarksville.com

www.myclarskvillerealestate.com

Blog post approved by builder.

Regards

Speechless Sunday - Vegetarian

Sun, 08 Nov 2009 21:39:45 -0600

Imagine letting your dog out early in the morning and seeing bambi up close and personal.... Who said there are no deer in Clarksville TN?

Regards

Great News on the New Tax Credit

Fri, 06 Nov 2009 19:22:30 -0600

Great News on the New Tax Credit. The House passed the unemployment extension bill today after Senate did yesterday which includes the extension and expansion of the tax credit. The President signed the bill today! The tax credit provision remains the same.

First-time home buyers will continue at $8,000
Tax credit for "move up" purchasers will be up to $6,500
Must have used previous home as a principal residence for 5 consecutive years of the previous 8.
Income limits increased and are the same for first-time and "move up" purchasers: $125,000 for single filers/$225,000 for joint filers
Limitation on eligible home prices has been increased to $800,000
Time Frame: December 1, 2009 to April 30, 2010 plus 60 day extension if binding contract is in place by April 30, 2010
Anti-fraud measures have been added

Below are the NAR Frequently Asked Questions in regards to the Home buyer Tax Credit Changes:

Question: Existing homeowner credit: Must the new house cost more than the old house?

Answer: No. Thus, for example, individuals who move from a high cost area to a lower cost area who meet all eligibility requirements will qualify for the $6500 credit.

Question: I am an existing homeowner. On October 25, 2009, I signed a contract to purchase a new home. I have lived in my current home for more than 5 consecutive years and am within the new income limits. I will go to settlement on November 20. If President Obama has signed the bill by the time I go to settlement, will I qualify for the new $6500 tax credit?

Answer: Yes. The existing homeowner credit goes into effect for purchases after the date of enactment (when the bill is signed). There is no reference to the date of contract for the new credit. The provision looks solely to the date of purchase, which is generally the date of settlement.

Question: I am a first time home buyer but was not within the prior income limits at the time I entered into my contract to purchase on October 30, 2009. I will be covered, however, by the new income limits. If the new rules have been signed into law by the time I go to settlement, will I be eligible for a credit?

Answer: Yes. The new income limitations go into effect as soon as the President has signed the bill. The income limit and other eligibility rules will look to your status as of the date of purchase, which is the settlement date. So if the new rules have been signed when you go to settlement, you should be eligible for the credit (or a portion of the credit if you're within the phaseout range).

Question: I am an eligible existing homeowner. I have a fair amount of equity in my home. I have found a home with a nonnegotiable price of $825,000. Will I be able to use any of the $6500 tax credit?

Answer: No. The $800,000 cap on the cost of the purchased home is firm at $800,000. Any amount above $800,000 makes the home ineligible for any portion of the credit. The $800,000 is an absolute ceiling.

Question: I owned my home for 10 years, but sold it two years ago year and have been renting since. If I purchase a home, will I be eligible for the $6500 tax credit if I meet all the other eligibility tests?

Answer: Yes. Because you lived in the home for more than 5 consecutive years of the previous 8, you will qualify for the $6500 credit. For example, Say John and his wife bought a home in 2000 and lived there until 2008 when he got a divorce. Whether John has been renting or bought in the interim, he WOULD INDEED be eligible for the credit because he owned a home and occupied it as his principal residence for 5 consecutive years out of the last 8 years. The keyword here is "consecutive." As long as he lived in that house for 5 years straight what he did since 3 years doesn't impact eligibility.

Question: I am an eligible first time home-buyer. I entered into a contract to purchase on November 1, 2009. Do I have to go to closing before December 1? How does the extension date affect me?

Answer: You do not have to close before December 1. Once the legislation has been signed, it will be as if the Nov 30 date had never existed. Therefore, so long as the contract settles before April 30 (or July 1, worst case), the purchaser will be eligible for the credit.

Regards

Wordless Wednesday - Clarksville TN Squirrel

Wed, 04 Nov 2009 21:08:40 -0600

This fellow is storing up for the winter months. We gave up trying to keep them out of the bird feeders a while back.

Regards

Take a Visual Tour of Trin Hill (Dover TN)

Tue, 03 Nov 2009 21:18:46 -0600

<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"> Craigslist

Trin Hill Cap Cod

$235,000.00

165 TRIN HILL DRIVE, Dover, TN 37058

39 Photos

3 Bed, 3.5 Bath
3019 SF
Tour # 1821595

Looking for a home in the country that is convenient to the lakes? Look no further!	For more information, please contact:
	Pamela Cash Crye-Leike Realtors 931-553-0605 931-338-1375 Cell 931-648-9772 Fax

Information supplied by sellers. Deemed reliable, but not guaranteed.

Regards

Speaking of Facebook

Mon, 02 Nov 2009 18:48:05 -0600

Speaking of Facebook, it is a great place to not only network but also to keep in contact with past clients as well as to reconnect with friends and family that you may not have been able to reconnect with otherwise.

As Realtors it is a very powerful outlet to get your name and your services out to those who may be in the Real Estate Market. That said, it is wise not to press a person just because they befriend you or accept your friend request - the last thing a potential client wants in to be spammed by an anxious Realtor and there is really no need to do so.

Over time people will get to know you or rather get a 'feel' about you and what you have to offer. It is important that you are cautious about what you post on social networking sites. Things such as vulgarity and distasteful jokes or comments should certainly not be posted. Conversely, you should BE YOURSELF vice being scripted so to speak. I do not buy into the thought that you should not allow others who might be potential clients to know your values and beliefs. I believe that it is a part of your fiber and should not be hidden.

In many of my blogs, I speak of our life here in Clarksville Tn. I speak about the Clarksville TN Real Estate Market. I speak about politics and religion from time to time. Just because I share my thoughts does not make me a bad person, nor does it mean that I am closed minded. It provides all who choose to read an insight of what makes me - my beliefs and values. Contrary to what some might believe, this approach has helped me in life, my career in the Army and it continues to assist Pam and I in our Real Estate Profession. Those who find us online, have the ability to choose with more insight than they otherwise would - nothing wrong with that.

A pointer to my Real Estate and Mortgage friends as well as anyone who is in a 'People Oriented' profession: Don't close your profile on Facebook unless you are strictly there for Family and Friends. Believe it or not, people do search Facebook for terms such as your name, Real Estate, Crye-Leike, Clarksville TN Real Estate, Clarksville, Clarksville Realtor (you get the idea). Though you will come up in these searches, chances are if your profile is closed, the searcher will simply move on.

I am a humble man and believe in being ME (Reminds me of a Toby Keith song except I am not like Brett Farve). You can take me as I am or you can move on - simple as that. If you want first rate real estate service in the Clarksville TN or Fort Campbell KY area or if you simply want to share a thought or two, I am pleased to oblige either way.

As we progress in the era of social networking I can only imagine what is next - perhaps video introductions on your page? Sounds a bit busy to me, but then again I never imagined twenty years ago that we would have progressed as far as we have. Technology can be a great thing in both your personal and your professional life - everyone will choose how they will utilize these tools.

The Sky is the Limit and as always, just my thoughts.

If you would like to visit my profile and befriend me: Tim's Profile

Regards

Speechless Sunday - Priceless

Sun, 01 Nov 2009 20:59:30 -0600

One week away from work: $4,000.00

Travel to and from Florida: $800.00

Seven Night Western Carribean Cruise: (You don't wanna know)

Excursions and Shopping: $2,000.00

The smile on your little girl's face: PRICELESS

Cherish the moments! Work hard and play harder!

Regards

Building, Managing, and Protecting Your Online Reputation

Sun, 01 Nov 2009 07:12:01 -0600

A 'must' read if you those building their online reputation. Blog courtesy of Brad Andersohn

Via Brad Andersohn ~ Community Manager (ActiveRain):

How Do You Manage And Protect Your Online Reputation?

A few weeks ago I was reading an article about "BIG Corporate Companies" that were missing the boat by not getting involved in Social Media. "They are missing out on the ability to track and manage their brands, their names, their business and reputations" or something to that effect. It got me thinking about how important it is to connect on-line and know what's going on around you at all times, or at least as much as possible.

"The On-line world is also the Off-line World making them both one in the same. What happens Off-line ends up online, and what happens On-line gets spread quickly Off-line and visa versa. It's known as "viral" in both worlds.

How do you manage and protect your reputation in the off-line world? In order to build, protect, or manage your brand or reputation, you have to interact so you can hear the chatter, the rumors, the buzz, the testimonials, or even the whisper when someones talking about you or your company? No matter what, whether it's good or bad, people do talk. In the social media world, even more-so. Good news travels fast, and often times, bad news travels even faster.

How do you know when someone is talking about you, your company, or your business in the on-line world? What are people saying or whispering on LinkedIn, Twitter, MySpace or FaceBook? What about your past or current clients, your sphere of influence, or even your competitors? Would you even know? I think many of the Larger Companies and Businesses DO know the power of Social Media Marketing and the importance of Networking. I see it more and more, they are wanting to stay close and connected to what's being said about their products, their services, their company and business, or even them as individuals.

Managing and Protecting your online reputation isn't just for the Big Corporate Companies....

...it should also be important to you.

Here's some ideas and suggestions that can help you in the new on-line social media and off-line networking world. Let's start with the simplest and basic of all tools. When was the last time you ran your name or Company using Google? Google Search. This is typically the first thing we learn and try to do regularly to see what shows up in the search engine results. This is a great and basic way to find out how about your online Internet presence. What shows up? I still do this on a weekly basis.

Next, there are some free and simple tools available to help you get a better handle on what's being said across the WEB. Start with Google Alerts, it's an easy way to setup specific keyword searches. Once those specific words or terms are found and indexed, notifications are emailed directly to you. Setup alerts for your name, your company, employees, your brand etc. Some even setup Google Alerts for their competition or other specific business topics or "interesting" terms and phrases. This is a good start to keeping yourself connected and informed.

Many of you will remember the "viral" video "United Breaks Guitars!?!" I wonder how long before United knew they were famous on Youtube? I bet they have multiple alerts setup now... maybe not... :-O

United Breaks Guitars

www.youtube.com

Full Story: www.davecarrollmusic.com - In the spring ...

3 months ago 5,796,268 views sonsofmaxwell

Now you can stop reading right here of course, unless you'd like to go a little deeper....

Ok, you're still reading so you must want more. You should consider what happens and what gets said on sites like Twitter and Facebook. Let's be honest here, if someone wants everyone else in the world to know something, they post it on Twitter and Facebook. It's the fastest way to gather and spread information, but at the same time, it's the fastest and easiest way to build or destroy a name or reputation. Look what happened to Wal-Mart and Target last Christmas. A classic example of the "Thrill of Victory" and the "Agony of Defeat."

Search.Twitter.com is a tried and true method of finding out who is talking about you and what they are saying. Twittergrader, and Facebookgrader are a couple of other products you can check out from Hubspot. If you're looking for more of that "visual" display of your online presence, then check out spezify. This one is not only informative, it's fun and entertaining at the same time. Addictomatic is another one you should visit, you'll love the compilation of content it will pull up using various resources to do all the work for you. I always suggest starting with your name or company when visiting and trying these sites. You will be surprised at some of the things you'll find.

Now let's dig really deep for gold! Measuring your online presence and influence. Klout.com and OnlineIDcalculator.com each have devised their own internal way for determining your influential impact in the on-line world. SocialMention which is a similar service will “grade” your results based on your participation in a variety of places. The last site I'll mention is StepRep, this is one I use daily. You can receive daily email updates on the results Steprep finds, and the social networking aspect of it certainly can't hurt when building a positive reputation.

We've all seen what can happen to a company or individual via the Social Networks albeit from a single tweet, a note on a FB wall, a Video on Youtube, a photo on Flickr, or even a Blog post or article on a website. There is great power in the hands of those millions of consumer messages that get transmitted over the cyber-lines each and everyday. No one can protect your good name or business but you. That was until now... there is online help. Sleep better at night knowing you have done your best to manage and protect your business and reputation.

Don't forget your ReBlogged posts, it's good to keep up with what others are saying and adding to them.

These may not be the catch-all, fix-all, but it's a start to "managing and protecting your online reputation."

"RainMaker" Special - Signup Here and Get New Member Discount

Regards

Clarksville TN Real Estate - Marymont Subdivision

Thu, 29 Oct 2009 21:59:13 -0500

Clarksville TN Real Estate - Marymont Subdivision

Tim and Pam Cash | Crye-Leike Realtors | 1-931-648-2112 or 931-338-1375

3353 Clearwater Drive, Clarksville, TN

Upgrades galore!

4BR/2.5BA Single Family House

offered at $187,500

Year Built 1993

Sq Footage 2,246

Bedrooms 4

Bathrooms 2 full, 1 partial

Floors 2

Parking 2 Car garage

Lot Size Unspecified

HOA/Maint $0 per month

DESCRIPTION

A great home close to Fort Campbell. Granite Countertops, Updated Cabinetry, Stainless Steel Appliances and tile in the kitchen. Hardwood flooring in the great room and formal dining room. Windows replaced three years ago with double paned energy efficient windows. Master bedroom on the main level, three large bedrooms upstairs as well as a large bonus room. Freshly painted interior. Privacy fence, covered back deck and huge storage shed! Large yard! A rare find at this price.

Contact The Cash Team today for all your Clarksville Tn Real Estate needs.

Tim and Pam Cash
Crye-Leike Realtors
931-648-2112 (office)
931-338-1375 (cell)

see additional photos below

PROPERTY FEATURES

- Central A/C - Central heat - Fireplace

- High/Vaulted ceiling - Walk-in closet - Hardwood floor

- Tile floor - Family room - Bonus/Rec room

- Dining room - Breakfast nook - Dishwasher

- Refrigerator - Stove/Oven - Microwave

- Granite countertop - Stainless steel appliances - Washer

- Dryer - Laundry area - inside - Balcony, Deck, or Patio

- Yard

COMMUNITY FEATURES

- Garage parking - Storage space(s)

ADDITIONAL PHOTOS

Photo 1

Photo 2

Photo 3

Photo 4

Photo 5

Photo 6

Contact info:

Tim and Pam Cash

Crye-Leike Realtors

1-931-648-2112 or 931-338-1375

For sale by agent/broker

Equal Opportunity Housing

Posted: Oct 29, 2009, 6:49pm PDT

Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617

The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

Agent Open House - Thursday 29 October 2009 - Brookhaven Subdivision Clarksville

Wed, 28 Oct 2009 19:17:49 -0500

Clarksville and surrounding area Real Estate Professionals, please join Pam Cash and Lynnette Estes for TWO Agent Open Houses.

Pam will be serving the main course - her famous pulled pork and Lynnette will treat you to a delicious dessert.

When: 29 October 2009

Time: 11 to 1

Directions: 41-A Bypass to Hwy 12, take a left onto Shady Grove Rd, left onto Brookhaven Ter & an immediate right onto Tannahill Way. Homes are across the street from one another for added convenience.

We hope that you can make the time to come view these two properties and visit! We look forward to seeing you.

1371 Tannahill Way:   Beautiful open floor plan. Plantation blinds throughout. Closet space galore. Jacuzzi tub in master with separate tiled shower. Tiled backsplsh in Kitchen. Just a few steps to the HUGE bonus room. Large garage facing rear! Large front porch and great entertaining area in back. Small pond.

1374 Tannahill Way:   Living Room with fireplace, dining room with vaulted ceiling, eat-in kitchen with breakfast bar. Huge Master Suite with beautiful bathroom. Bonus room over garage. Oversized deck with built-in fire pit.

Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617

The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

Shopping for major purchases

Tue, 27 Oct 2009 22:07:08 -0500

When shopping for major purchases are you more of an impulse buyer or one who conducts hours, days, weeks and even months of research to get the best value or what is the right 'fit' for you (and your Family)?

I must admit that over the years my tactic has moved from impulse to massive research, especially when it comes to major purchases ($1000 or more in my mind). Pamela Ann will be quick to say that is because I have made some bad purchases in the past due to my impulsiveness and impatience (1988 Mustang GT 5.0 Convertible quickly gets brought up..)

My latest venture is upgrading my road bicycle as I have found a new hobby that is both enjoyable, addictive, and good for you (hard to find that combination!). Anyhow, 15 or 20 years ago it would have been more difficult to conduct any reasonable research when it comes to durable goods. With the information highway one might say that now there is information overload and I can certainly attest to that.

Being a Realtor in Clarksville TN, I do my fair share of research via the Internet searching for Buyer Clients and Prospects in the Clarksville TN Real Estate Market. I find this both challenging and enjoyable as there is nothing better than helping clients to find that perfect home. So it is safe to say that the same dedication I place into research for my Families major purchases.

I must give credit where credit is due. In my couple of months of research Bikes and Moorein Hopkinsville Kentucky has went above and beyond in assisting me in trying to find the best bike for the money. In specific, Jason Whitman and Tim Moore. Though I have not made a decision on which direction I am going to go and am actually thinking about waiting a bit longer, I must say that their assistance has been greatly appreciated.

Being in sales myself, I can appreciate the dedication that Bikes and Moore have put into assisting me in my search. Many times this is overlooked much like when we as Realtors work diligently to assist a prospect in buying or selling real estate. Only about 5% of prospects in Real Estate actually become clients and I am sure that the number is close to the same in many other major purchases (again for me a major purchase is $1,000 or more).

So, in the end, I continue to research and continue to debate what is the best long term for me with respect to this major purchase. I know there is such a thing as TOO MUCH RESEARCH but I just can't help myself - I am anal like that I suppose.

Just in case you are wondering, here are the bikes I am looking at - feel free to add your comments:

Specialized Tarmac

Trek Madone

Raleigh Pretige

Jamis Xenith Pro (Can't stand the color!)

Neuvation Carbon SRAM Red

Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617

The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

RANT: 30% of listings don't have a single photo! What's wrong with these listing agents?

Tue, 27 Oct 2009 18:37:22 -0500

Post courtesy of Pacita Dimacali. She is spot on!
Via Pacita Dimacali - East Bay, North CA real estate (DRE 01367196 Phone:510 748 1148):
RANT! RANT! RANT!

As if researching suitable properties isn't enough of a challenge, now we have to deal with listing agents who don't bother posting at least one photo to show us what the property looks like.

While going through a list of properties using certain criteria, I identified 127 that may be suitable. But going through the list, I was dumbfounded at seeing that 30% of these listings do not have a single photo of the property.

And of the 38 that do not have pictures 31 of them were short sales.

SHORT SALE PROPERTY OWNERS ARE DISTRESSED!

For gosh sakes, when people are selling their homes as short sales, they are obviously in distress. And what they need is for someone to write an offer so that the short sale negotiator can review the file and hopefully accept and approve the offer to prevent foreclosure or bankruptcy. Right?

SHORT SALE LISTING AGENTS: Are you doing everything you can to sell this property?

We know the importance of pictures, visual tours, staging, etc in marketing a property for sale.

But if the listing agent doesn't take a single picture of the property, how does that reflect on that agent's ability to market, much less aggressively push the short sale process?

And agents, if you're not members of the local MLS where your listing appears, have you thought about either referring out the listing to someone who is, or get a reciprocal agreement so that your listing appears on the local MLS?

SHORT SALE LISTING SHOULD BE HANDLED AS DELICATELY AS A REGULAR LISTING

Yes, we know. It takes a lot of work and a long time to get a short sale approved and accepted, if a all. But these property owners entrusted us to help them sell their property to save them from a more financially disastrous situation.

If you can't give these folks the same care and respect as your regular listing, then for goodness sakes, don't take the listing.

Give it to someone who truly gives a damn!

RANT! RANT! RANT!
Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617

The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

Protecting Your Privacy While Your Home Is On The Market!

Sun, 25 Oct 2009 12:22:59 -0500

A few tips for Homeowners who have their home on the market courtesy of Shirley Cicero
Via Shirley Cicero (Coldwell Banker North Metro):
If your home is on the market, you have probably already taken great care in cleaning the interior and making necessary renovations that could help attract prospective buyers. However, before your home is shown to any buyers or agents, you should consider performing a few tasks to help protect your privacy. Not only should you try to remove personal items from tabletops or counters, but it is also wise to remember that potential buyers will open closets, cabinets and built-in drawers as they assess the property. To protect your privacy and prevent prospective buyers from forming any biases against you, you may want to follow these four simple steps before showing your home.

1. Hide your mail

When dealing with your mail, you should either remove it from your home or place it where it cannot be found. If prospective homebuyers spot collection notices or excessive credit card bills in plain sight, they might immediately assume that you are in debt and need to sell your home quickly. Furthermore, as no one wants strangers to read any of their personal materials, you should try to conceal all of your mail - down to the last furniture catalog.

2. Take down photos and diplomas

While some home sellers feel that such personal documents could add an atmosphere of coziness to their property, you may want to consider clearing the walls. Following this simple step could help prevent any type of bias from prospective homebuyers. For instance, home sellers with recent diplomas might be perceived as deep in debt and willing to sell at any price. Likewise, wedding photos can reveal the homeowner's religion, which could influence certain buyers.

3. Clean the closets and drawers

If you have ever been to an open house or toured a home for sale, you can probably understand the desire to dig around. In most cases, prospective homebuyers simply open closets and cabinets to inspect the space or make judgments about the construction of the home. While most people who view your home will not try to snoop in your personal belongings, try to pack away anything that could tell an unwanted story about your life.

You may want to clear out all drawers and closets entirely before the home is shown to buyers. After your personal belongings have been removed from the home or carefully packed away, work with your agent to stage closets and large cabinets. By replacing your own belongings with examples of how the home can be utilized, you will take the focus off yourself and help prospective buyers visualize themselves in your home.

In conclusion, when you are ready to show your home to prospective buyers, try to remove anything that might drive a buyer away or create an unwanted bias. Whether it's as simple as removing your personal mail or staging the closets of your home's bedrooms, a bit of work can not only protect your privacy but can potentially help sell your home.

Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617

The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

Time to wake up and smell the coffee

Sat, 24 Oct 2009 22:41:13 -0500

Honestly I have tried hard to ignore the media on both sides and kept my opinions to myself. Those that know me know that this is not something I do very easily.

For the record I am conservative in my thinking but try hard to keep an open mind and give all an opportunity to voice their opinions. Many of my friends have differing views than mine when it comes to politics, but very few who disagree that much of what our Country was founded on is disintegrating before our very eyes. In the end, whether of liberal beliefs or conservative - we are ALL AMERICANS.

This did not just start yesterday, there has been an eroding of America for many years now. Those of you who are 30 or older need only look back to your years as a child, when we all said the Pledge of Allegiance in the classroom. Many of our children have never pledged allegiance to our Flag:

"I pledge allegiance to the Flag of the United States of America and to the Republic for which it stands, one nation, under God, indivisible, with liberty and justice for all."

Many of our children are not learning values in the classroom or at home - the days of going to the principle's office for a smack on the rear are gone and 'just wait till your father gets home' means nothing. For me, either of those options merely needed to be mentioned to keep me on the straight and narrow growing up. There is almost a twisted sense that each person is owed something from those who have been successful in life instead of getting up off the couch and finding a job. What's that you say? There are no jobs out there? Unemployment is at 9 percent? HOGWASH!

The problem with Americans is that we feel that the jobs that are available are beneath us. We are quick to complain about the immigrants who are moving into our country - guess what folks - they are here because there is WORK. Work, that is right, I said it! They are doing the manual labor or menial jobs that many of us would not even consider as a viable option. They are here because of the promise for a better life! One free from persecution where the sky is the limit. I hate to say it, but these same immigrants place more value of being in America than many of those who were born in America.

Whoa is me! Whoa is me! Folks we have not seen bad. Bad is the Great Depression. Bad is persecution of women and children living under Taliban law years ago in Afghanistan. Bad is being of Jewish decent in Germany during Hilter's brutal reign. Bad is being one of the victims of 9/11. Bad is the Widow and Children of one of our Fallen Heroes. Need I say more?

We have many issues in our Country in this day and age. No one person can be blamed for the financial crisis that hit us. We probably will never know how many or even who was to blame as the powerful in our country seem to protect their own - from corporate America to our elected leaders. You only need to look at the billions of YOUR tax dollars that have been given to numerous corporations that were deemed 'Too Big To Fail' to realize this. There have not been, nor will there be any accountability - let alone any repayment (well, unless you consider repayment by you, me and our children as repayment).

Only today I received an email from a lady who wanted to let me know that I should refrain from supporting a group of mothers who cared about their children in the Armed Forces. She was polite in her dissent, but wanted to state her dissatisfaction with me publicly supporting them as this was viewed as a group that was partisan. Partisan? REALLY? Mothers fearing for their children's safe return is now partisan? COME ON!

This last week saw closed door meetings with political leaders and the attack on a news organization by our very own administration.  All the while, our Generals charged with carrying out combat operations in Afghanistan are desperately awaiting a decision from our government. I got it that there are those of you who disagree with our presence in Afghanistan but this is a battle we must fight there and that we must win. If we do not, we will only see more tragedy on our own soil.

If you really want to participate in the direction of this great country, I strongly suggest you do so by exercising the rights that our founding fathers gave us (and no I am not talking about the right to bear arms):

- The right of free speech

- The right to vote

These two PEACEFUL means granted to all Americans by our Founding Fathers are so very powerful. They have been there since day one but sadly many choose not to exercise either right. Rather, the remain silent in terms of speech and vote. Only after the fact to they choose to cry foul - knowing all along that they were simply too busy or afraid to speak out or stand in line at the polls to cast their ballot. Those who fill the halls of our local, state and federal capital buildings are there because those who believed they could make a difference went to the polling stations and voted them in.

It is time for everyday Americans to wake up, to give notice of their displeasure or support of the direction that our elected leaders are taking this Great Country. Being an elected leader means that you are prone to having people who both support you and oppose you - it comes with the job! At no time should they be calling for the banishment of free speech or free press.

I will leave you with the words of The Star Spangled Banner which was composed by Francis Scott Key in 1814:

Oh, say, can you see, by the dawn's early light,
What so proudly we hail'd at the twilight's last gleaming?
Whose broad stripes and bright stars, thro' the perilous fight,
O'er the ramparts we watch'd, were so gallantly streaming?
And the rockets' red glare, the bombs bursting in air,
Gave proof thro' the night that our flag was still there.
O say, does that star-spangled banner yet wave
O'er the land of the free and the home of the brave?

Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617

The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

A completely new proposal to save the real estate market. It's not as crazy as you might think!

Sat, 24 Oct 2009 09:20:13 -0500

A very intriguing proposal. Courtesy of Richard Weisser
Via Richard Weisser Coweta Fayette Real Estate ERA United Realty:
A lot of real estate agents are speaking as if the door on real estate sales will be slammed shut if the federal tax credit for first-time homebuyers is not extended. And while this opportunity to collect cash has had a very positive effect on sales in the lower price ranges, it really hasn't meant much to sellers with homes valued in excess of $200,000.

My preference is to let this credit just go away. The expiration of the credit could actually lead us back to a true fair market, where buyers buy because they need a house rather than just trying snag a great deal with future profit potential.

I would like to propose an alternative remedy to help sale in all price ranges. My proposal would really create interest in buyers that could really stimulate the market, and it is the only remedy that I have even seen proposed that would actually correct the mistakes of the past.

The solution I am proposing is to make all down payment monies for a personal residence up to and including a cash sale an income tax deduction. Not a refundable credit, just a deduction against income.

This also would encourage buyers with both cash and significant incomes to get back into the market. It would lead us back to the days when more down payment was better, and smaller mortgages would prevent the short position debacle that we are experiencing today.

The higher end market would see an extensive boost in sales, and prices would stabilize. And once again, homeowners will be encouraged to have equity in their homes to cushion them against negative market forces.

So what do you think? A dollar for dollar tax deduction for down payments on a house sounds like a good idea to me!
All content, including text, original art, photographs and images, is the exclusive property of Coweta Fayette Real Estate, Inc., and may not be used without the expressed written permission of Coweta Fayette Real Estate of ERA United Realty Newnan Georgia. All information is believed to be accurate but is not warranted, Copyright 2003-2009. Richard Weisser REOS, E-Pro. licensed Auctioneer. 770-827-6225.
Learn more about Coweta County and Fayette County Georgia Real Estate, and to search the entire Georgia MLS for free with no registration required visit CowetaFayetteRealEstate.com! Photos of the Great Smoky Mountains National Park.

Get the latest GA Foreclosure List Updated Daily! We Do HUD bids in Georgia! 770-827-6225
Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617

The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

FIVE QUICK TIPS TO GET YOUR HOME READY FOR WINTER

Thu, 22 Oct 2009 21:20:45 -0500

FIVE QUICK TIPS TO GET YOUR HOME READY FOR WINTER

1. Roof repairs: If you can safely get onto your roof to inspect for missing shingles or other factors that may lead to a leaky roof, now's the time to do it! If not, call in a professional organization and have them take care of the rooftop work for you.

2. Seal it off: Inspect doors and windows to ensure that the weather-stripping is in good condition. This will keep your house warmer and cozier in the winter months.

3. Hot stuff: Make sure that your heater and ventilation systems are in good working order! Clean out accessible ducts and replace filters where necessary.

4. Chimney sweep: Creosote, a black substance that builds up in the chimney when wood is burned, can cause chimney fires. Inspect your chimney for creosote and call a chimney sweep to keep your fireplace safe and functional.

5. Gutter check: Now's the time to clean out those rain gutters again! If you want to do it yourself, make sure that you can safely access the gutters and then scoop out any debris, blast the drains clean with a high-powered hose, and repair any leaks you may find along the way.

　

Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617

The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

Wordless Wednesday - Flying High

Wed, 21 Oct 2009 21:51:07 -0500

As many know we just returned from our first cruise. The picture below was taken at Dolphin Cove in Jamacia. I still owe all a review of the trip.

Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617

The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

Military Moms Of America - In Support Of Our Sons & Daughters

Wed, 21 Oct 2009 21:46:26 -0500

Such a worthy cause - please help to spread the word and grow this great group! God Bless our Nation and our Servicemen and Women. Courtesy of Donna Bigda
Via Donna Bigda, REALTOR®, CDPE, e-PRO Branford Connecticut Homes and Condos (RE/MAX Alliance):
Military Moms Of America - In Support Of Our Sons & Daughters

As a military mom, sister and aunt this is one the most inspiring and touching videos I've ever seen. It was shown last night on the Glenn Beck show and was put together by a mom just like me who has a child who is bravely and valiantly serving our country.

After visiting the Military Moms of America website, I was so moved by what this group is doing to support our Armed Forces that I joined their effort. This site is full of links and information covering political issues and legislation affecting the our military along with forums to exchange ideas and have discussions. It's a place where you can upload photos or videos of family members, friends or anything that pertains to all branches of our Armed Forces.

This is not a political post. This is about a mother's love for her son, a sister's love for her brother, an aun'ts love for her nephew and an American citizen's love of our military and our country.

Please visit the Military Moms of America website and join their effort. It is open to family members, members of the military, friends and anyone who is inspired like I was to take action in helping our loved ones get the support they need now!

********************************************************************************************

Written and Posted by:

Donna Bigda - REALTOR®

RE/MAX Alliance - Branford, CT 06405

Search Branford, East Haven, Guilford, Madison, New Haven and all New Haven County Homes for Sale

Copyright © 2009 by Donna Bigda, All Rights Reserved ...*Military Moms Of America - In Support Of Our Sons & Daughters*
Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617

The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

Operation Rising Star 2009

Wed, 21 Oct 2009 21:36:41 -0500

Please join me in celebrating Mrs. Thea Agnew's success in being chosen as one of the 12 Semi-Finalists in Operation Rising Star 2009!
Via Art & Thea Agnew ~ LastTrainToClarksville.com (Avalar Real Estate Clarksville):

It was announced today, October 21st, who the top 12 semi-finalists for the Army Wide competition, Operation Rising Star, were.

I am thrilled that I was chosen to be one of the top 12! Last year we had a Night Stalker in the competition and this year we have a Lady Night Stalker! Me!

The competition will be taking place on November 14-20th in Ft. Belvoir, VA. It will be on the Pentagon Channel if you are living on base. If not, I will be getting more information on where you can watch the show. It will be just like American Idol, where the viewing audience can call in to vote for their favorite performer. I believe you will be able to vote online also.

This is the 2nd year in a row that Ft. Campbell, KY has had a contestant be in the top 12. Last year our very own, Fatima McElveen, made it to 2nd place in the final competition. I hope to do Ft. Campbell proud this year too! One of the important roles of this competition is the fans and their calling in or getting online to vote. So, more information will be coming your way on how you can do this.

You can view my performances on my YouTube channel and see how I did for the 8 weeks during the competition at Ft. Campbell. Thank you all who voted to get me where I am now!

Top 12 Semi-Finalists for Operation Rising Star 2009
Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617

The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

SHORT SALES - KEEP YOUR EYE ON THE GOAL and GET THE DANG HOUSE SOLD!

Tue, 20 Oct 2009 21:06:05 -0500

A great lesson for all Realtors who want to delve into the Short Sale Market. Remember, it is about helping the Home Owners and their Families first and foremost. Blog courtesy of Ms. Lenn Harley
Via Lenn Harley, Homefinders.com, MD & VA Homes and Real Estate:
SHORT SALES - KEEP YOUR EYE ON THE GOAL and GET THE DANG HOUSE SOLD!

A little cooperation and communication can make all the difference in getting Short Sales SOLD.

Inspired by an article posted this a.m. "I'm Not Rude, You're Just Lazy".

COMMENTS IN AGENT/BROKER REMARKS:

Do not call listing agent. Fax offer to XXX-XXX-XXXX. Earnest money to be held by listing broker.

This is the essence of so many Agent Remarks that are one of the causes of Short Sales sitting and sitting and sitting.

WHO IS THE CLIENT OF THE LISTING BROKER?  The client is NOT the owner's mortgage company. The client of the listing broker is the owner of the property listed for sale. When interviewing for the listing agreement, did the agent advise the owner/seller that they would not SPEAK OR OTHERWISE COMMUNICATE WITH BUYERS' AGENTS who needed help sending an offer???

From personal experience, when the instructions to making an offer are limited to "FAX OFFERS TO:", I know that it sometimes just does not work as intended.

THE FAX WON'T GO THROUGH. The fax is interrupted after a mere 21 of 27 pages. What do you do. If you can't call the listing agent, whom do you call?

WHAT EVER HAPPENED TO PRESENTING OFFERS IN PERSON. Perhaps I'm old fashioned but I still prefer to present an offer to buy real property often for $Hundreds of Thousands of Dollars in person. Yet, with instructions limited to "Fax offers to. . . . . . " there's no opportunity for information that may not be included in the limited instructions in the MLS listing report.

DO NOT CALL LISTING AGENT. WHAT????   I have found over the years that agent instructions vis-a-vis submitting offers by electronic means, while easy for the listing agent to understand when they include these limited instructions in the Agent Remarks, may not be so easy for the buyer's agent to understand. In fact, some listings are so incomplete, i.e., liens on the property for sale, other offers in hand, type of buyer financing, etc., all legitimate questions, yet rarely included in the listing instructions.

THE BEST OFFER FOR THE SELLERmay be thwarted by limited access or no access to the agent for the seller.

WHAT IS THE GOAL???

Is it to limit communication? Communication is the essence of negotiation of price, terms and condition of properties for sale. Without communication, errors are made, confusion is rampant, frustration is promised, questions are not answered and the SELLER may be deprived of the best offer.

Is it to limit offers? If that's the goal, it is a monumental success, but does it produce the best result?

Is it to show superior technical ability? By limiting representation of a seller to "FAX OFFERS TO:", the seller may be deprived of the best offer/contract/sale.

Is refusing to communicate with buyers' agents a power play?? Well of course. O.K. So listing agents have the power, but are they doing the best job for the seller whom they represent???

Conspicuiously absent in this post is any reference to the Code of Ethics. I cannot believe that any listing agent has not read and does not understand Standard of Practice 1-15, Standard of Practice 3-6, Standard of Practice 3-8.

Is it to save the listing agent time? I submit that by answering questions in the beginning, serious misunderstandings can be avoided later. Buying a short sale is by it's nature, buying a resale property. Agent to agent communication is often the best way to achieve the goal to get the property sold . . . . .

IN THE SHORTEST AMOUNT OF TIME FOR THE BEST PRICE, TERMS AND CONDITIONS FOR THE SELLER.

Courtesy, Lenn Harley, Broker, Homefinders.com, 800-711-7988.
Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617

The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

10 Commandments Home Buyers Must Follow

Tue, 20 Oct 2009 20:53:09 -0500

If you are preparing to purchase the home of your dreams - make sure that you read the below very carefully so that you CAN be assured of living in the home of your dreams. Courtesy of Dr. Chantal Saucier.

Via Dr. Chantal Saucier (Keller Williams Realty Acadiana):
These 10 Commandments home buyers must follow may seem like common sense to many. Buyers, however, can sometimes forget with all the excitement surrounding the buying of their new home. In the past couple of weeks, I have heard of two separate buyers who saw their home loan turned down, and their dream shattered, a few days before closing because they had bought furniture for their new home before it actually became their home. Both of them now have beautiful furniture with no home to put them in.

These two buyers were not my clients but it always hurts when I hear of transactions falling apart for reasons that could have been avoided. These 10 commandments are part of the buyer packet I give all my clients when we first meet and I always stress that once they get pre-approved and the process is started, they can't do anything that might affect their credit.

1. Thou shalt not change jobs, become self-employed or quit your job.

2. Thou shalt not buy a car, truck or van (or you may be living in it)!

3. Thou shalt not use credit cards excessively or let your accounts fall behind.

4. Thou shalt not spend money you have set aside for closing.

5. Thou shalt not omit debts or liabilities from your loan application.

6. Thou shalt not buy furniture.

7. Thou shalt not originate any inquiries into your credit.

8. Thou shalt not make large deposits without first checking with your loan officer.

9. Thou shalt not change bank accounts.

10. Thou shalt not co-sign a loan for anyone.

If you are in the process of buying a home, remember that your credit must not change or be affected in any way until you actually sign the paperwork and get possession of your new home. Lenders will not only look into your credit when you first get pre-approved, they will check it again (and sometimes again and again) before they let you sign the mortgage. If you want to buy new furniture for your home or change jobs, just be patient. There will always be time to do it after the closing.

Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617

The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

The Clarksville/Montgomery County Veteran's Day Parade

Mon, 19 Oct 2009 19:29:46 -0500

The Clarksville-Montgomery County Veterans Day Parade will take place on Saturday, Nov. 7, with pre-parade ceremonies set for 9 a.m. at 1 Public Square in downtown Clarksville.

This year the parade theme is "Honoring all who served," a tribute to veterans past and present. The parade will begin at 10 a.m. at the corner of N. Eighth and College Streets, next to the Sundquist Science Building at Austin Peay State University, with the reviewing stand at Public Square in front of City Hall. The deadline for parade entries is Wednesday, Oct. 28.

Entry forms and maps of the parade route can be obtained from the Veterans Service Organization in Veterans Plaza, 350 Pageant Lane, Suite 308, Clarksville.

A Veterans Day breakfast, 7:30 a.m. at the Morgan University Center at APSU, will kick off the day's celebration.

For more information, contact the Veterans Service Organization at 553-7173.

Courtesy of Clarksville Online
Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617

The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

Clarksville TN Housing Demands to exceed neighbors in 2010

Mon, 19 Oct 2009 16:44:48 -0500

As if 2009 was not a stellar year for the Clarksville TN Real Estate Market, Clarksville TN Housing Demands to exceed neighbors in 2010according to Edsel Charles with the 19-state research firm Market Graphics. This is excellent news for the great city of Clarksville Tn as well as for our Soldiers and their Families stationed at Fort Campbell, KY.

Mr. Charles spoke to an audience of Real Estate Professionals and Builders, Developers and Lenders here in Clarksville. The Clarksville Real EstateMarket is projected to exceed even that of the Nashville market which is phenominal to say the least.

While Clarksville is blessed with Fort Campbell, we also have major industries such as Trane, U.S. Zinc, Quebecor, Bridgestone, Bosch, Florim just to name a few and are preparing for the arrival of Hemlock Semiconductor Group (HSC) very soon. This, coupled with Austin Peay State University and the impending opening of the Clarksville Marina makes one wonder why more people have not heard of the best kept secret - Clarksville Tennessee!

As a Realtor, Retired Soldier and Citizen of Clarksville I am certainly pleased as well as proud of the progress of our fair city.

Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617

The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.

New Housing Bill Will Force Loan Modification

Wed, 07 Oct 2009 18:21:00 -0500

Courtesy of Claudette Millette

I will join the dissenters on this one. This would be a bad thing for America. I see this as a process that could blow up in many Honest Americans faces. We have enough government in the middle of 'free enterprise'. As someone above mentioned - Barney Frank is one of the key authors that got us in this mess in the first place. Should this pass, WE will be on the hook for billions more that we simply cannot afford.

Look at the billions already handed out that we will never see a dime back on to the various financial institutions (to include Freddie and Fannie) and the auto industry. Enough is simply enough.

When does it end? Do we retro this? Do we give Honest Folks who lost everything their homes and their 401K's back? Who is the judge and jury on who is Honest and who is not? Acorn? (Sorry, couldn't help myself on that one).

Seriously, we need to step back and let our economy fix itself. The dollar is currently a joke on the global market - it will only get worse if we don't start holding people accountable and that includes the corrupt politicians and corporate executives.
Via Claudette Millette - Metrowest Mass Exclusive Buyer Broker (The Buyers' Counsel):
Four senators are putting their muscle behind a new housing bill intended to prohibit lenders operating in the U.S. from foreclosing on home owners without first having discussed reasonable modification options with the borrowers.

The bill, called the Preserving Homes and Communities Act is being sponsored by Rhode Island Senator Jack Reed, Illinois Senator Dick Durbin, Jeff Merkley of Oregon and Sheldon Whitehouse of Rhode Island.

Under this bill, lenders will be forced to the negotiating table under the threat of stiff fines and other legal penalties.

All lenders will be required to perform what the bill terms as a "net present value" test for all seriously delinquent borrowers. The test would be a financial analysis weighing the benefits of a modification of loan terms against the benefits of foreclosure.

For borrowers who do not fit into this program, the bill would create a multi-billion national fund for states to make loans or grants in order to prevent foreclosures.

The senators' rationale behind the creation of this bill is that they are frustrated with the slow pace of current loan modification programs and feel that they are not keeping up with the record numbers of foreclosures this year.

"Voluntary efforts to keep families in their homes have failed," said Durbin. "This bill will force lenders to modify qualified mortgages rather than letting them move quickly to foreclosure, which destroys households and neighborhoods."

The act will also set up a mortgage payment assistance program to provide money to state housing agencies to assist people who have lost income and face the prospect of foreclosure.

The most significant aspect of this bill would be to create "mandatory mediation" requirements forcing lenders to allow some mediation efforts between them and their borrowers before being able to file foreclosures against home owners.

This proposal will, no doubt, be met with opposition by banking and mortgage lending groups. It is, however, currently favored to be supported in the House.

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Regards

Tim and Pam Cash
Crye-Leike Realtors
931-338-1375 or 931-436-7617

The Cash Team - Making dreams come true one home at a time. Proudly serving the citizens of Clarksville and the Soldiers of Fort Campbell. To view available Clarksville properties, please visit our website at www.cashsofclarksville.com or email us at thecashteam@cashsofclarksville.comand we will run a custom search for you. Finding you and yours the perfect property in Clarksville Tennessee and surrounding areas is our goal.