Tim's Blog

Clarksville TN Realtor Testimonial

Mon, 23 Nov 2009 21:42:19 -0600

As with any service oriented profession, Clarksville TN Realtor Testimonial is key to your success in the Clarksville TN Real Estate market. Pam and I were humbled to receive three testimonials from clients we had the priviledge of serving this past year. It certainly makes helps you to realize that your efforts in assisting Families in either buying or selling do not go unnoticed.

My experience with Tim and Pam from the moment we were introduced via email by Mark at Home Towne Suites was phenomenal. They contacted me while I was still at my previous post in Georgia and let me know that they was ready to assist me and Woody in finding the home that was just right for us. Tim and Pam were always attentive to our needs and never appeared to be frustrated even when I wanted to look at the same house 3 or 4 times. They gave me true pros and cons and when I might have missed something, they made sure they brought things to my attention that really mattered. They also listened to me and took to heart what I wanted to see in the home I was looking for and made sure that those things were present and did not waste my time looking at homes that did not meet my criteria. The level of professionalism they displayed from beginning to end set an example that others could emulate. They made sure everything was PERFECT and it was very much appreciated. I think of their kindness often and know that when my company decides it is time for me to make the next move, I will be contacting The Cash Team to handle my home sale. Woody and Gina Woodruff

Greg and I wanted to take a moment to thank you for all the help you provided to us when we were buying our house. The two of you went above and beyond in your efforts to get us the house we really wanted. Anybody looking to buy or sell a house in Clarksville won't find better realtors than the two of you. Thank you so much! Tabitha and Gregory Newton

We just wanted to say thank you to the Cash Team - Pam and Tim Cash. With your help, we sold our home during a difficult time and circumstances - A task that a previous Real Estate Agent was unable to accomplish in over 6 months. We felt a very high comfort level, which put our concerns at rest. We were very impressed with how professional and calm you were with the process of selling our home and pleased the way you handled the entire process from listing our home to closing. You explained everything well, clearly and accurately and it turned out very good when you walked us through the valuation process and explained the options and made recommendations. We understood the showing/open house process and the feedback on visits which was very important to us. You were always available to answer questions. You, the Cash Team, have made the home selling process a very positive experience. Thank you for your hard work, support, dedication and expertise in making this sale possible. Sincerely, Birgit Jones

Thanks to the Woodruffs, the Newtons and Ms. Jones for having the confidence and trust in The Cash Team to care for your Clarksville TN Real Estate needs. If ever you should need us, please do not hesitate to contact us. Our service does not end at the closing table.

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.

Relocating to Clarksville TN?

Sat, 21 Nov 2009 19:19:41 -0600

Are you and your Family relocating to Clarksville TN? Allow Pam and I to be the first to welcome you to our humble city. Whether you are a Soldier PCSing to Fort Campbell KY or part of one of our many Corporate Relocation programs, The Cash Team has the experience, dedication and skill to serve your Clarksville TN Real Estate needs.

We take pride in ensuring that our clients needs are met, whether you are buying in Clarksville TN or listing in Clarksville TN - we are here to assist you every step of the way. Being a Clarksville Realtor means that we are available anytime of the day and late into the night, seven days a week to ensure our clients needs are met and any concerns are answered

If you are a First Time Homebuyer, we are here for you as well. We will guide you through the entire process from pre-qualification to closing. We know that as a First Time Home Buyer in Clarksville TNyou can easily become stressed and frustrated by the unknown of purchasing a home - we will be there to guide you and to provide sage advice as well as to direct you to much needed resources such as mortgage help, home inspection, etc.

We have the ability to search all homes available on the Clarksville TN MLS as well as the surrounding area and will customize your search to ensure that the focus is on homes that meet YOUR Clarksville TN Real Estate specifications.

Want to get to know more about us or about our the great City of Clarksville? Here are some helpful resources that we hope will give you a better insight into who we are and what Clarksville TN has to offer:

Want to start searching Clarksville TN Homes For Sale? We make it easy! Our search engine is complete with an email service that will email you when new homes in meeting your criteria come on the market.

My Clarksville Home Search

Are you into Social Networking? We believe in the power of social networking and thanks to our many friends we have fast become one of the top Clarksville TN Real Estate Teams. This would not be possible without the quality feedback from past clients via the world-wide web and the power of social networking. Please feel free to visit us:

We would certainly appreciate you joining one of our many networks as well as the opportunity to serve your Clarksville TN Real Estate needs. We look forward to hearing from you soon.

Regards

Should you buy down a loan?

Sat, 21 Nov 2009 17:10:32 -0600

Ever consider buying down a loan? Here is some great information for all - courtesy of Jim Cheney

Via Jim Cheney Your Rincon Valley Realtor (Saint Francis Property Santa Rosa, CA):

I have a client now, and have had clients in the past, who want to know whether or not they should pay points to buy down their loan. First of all, let me say that I'm not a mortgage broker, and don't pretend to do lending. I believe I should do what I do best, and let other professionals do what they do best. Also, what I'm explaining here is a principle, so don't blog me back saying that you can beat this rate, and ask my client to call you.

What is a buydown?

It is paying money upfront to the lender to get a better interest rate. This money is in addition to the money needed to get your loan. You might get preapproved for a 5.12% loan, but by paying an extra $2,500 you could get a 5% loan. The amount paid is referred to as points. One point is equal to one percentage point. One point on a $300,000 loan would be $3000. A half point would be $1500, and a quarter point would be $750. Your lender will tell you how many points or fractions of a point you would have to pay to buydown your interest rate aka: buydown your loan.

Why buydown a rate?

Buying down a rate makes the amount you end up spending at the end of your loan (lets say 30 years) less. You could save tens of thousands of dollars in interest by buying down a loan.

Buying down your loan may mean the difference between qualifying for a loan, and not qualifying. The numbers used to decide if you qualify on a loan is based on the amount of monthly payment, not necessarily the the amount borrowed. If buying your loan down lowers your payment by a few hundred dollars that may make the difference in your "qualifying figures". It's is possible you could qualify for a mortgage with a $1470. mortgage, but not qualify if the amount was $1820. Buying down the loan might be what makes the difference.

Why would a bank want me to buydown my interest rate:

Banks want you to borrow money. If you don't qualify at a certain rate, the bank offers a better deal if you are willing to pay "upfront". You get your loan, and the bank gets your business. Without buydowns, a lot of banks would not be able make loans to some people who were unable to qualify.

THE BANK MAKES MONEY! I know it sounds crazy, but the bank stands to make more money on you by letting you buy down your interest rate. This sounds a bit contrary to what I said earlier when I said you could save tens of thousands of dollars over the life of your loan but think about this. The average family sells every 8 years. They refinance even more frequently. If you refinance or sell shortly after getting your loan, you will never see the benefits of the savings, and the bank wins by keeping the money you used to buydown your loan.

Is it worth it?

Here's how to figure out if buying down your loan makes sense.

You qualify for a 30 year fix rate loan of $100,000 at 5.12%, that would equal a monthly payment of $544.18 You can pay 1/4 point to buy down to 5% for the same loan. The 1/4 point (or .25%) will cost you $250. Your new payment would be $536.82. The difference in the two loans is $7.26.

It cost you $250 to save $7.26 each month. How many months would it take before you break even? Divide $7.26 into $250 and you get just a bit ove 34 months. So you will need to keep your loan for almost 3 years before you start seeing any savings. How much would you save during the course of the loan if you kept it for 30 years... ???

So that's it. Easy to figure out with basic math. You just need to understand the concept. It's hard for an agent to know if you should buy down your loan, unless you won't qualify without the buy down, then the question is easy. The real question is: Do you need to, and will you keep your loan long enough to see the reward? Oh, the money you would have saved? $2,649.

Jim Cheney, Broker "Your Rincon Valley Realtor"

Serving Rincon Valley's real estate and property needs

Rincon Valley, Santa Rosa, Sonoma County, CA

Regards

Clarksville TN Real Estate - Holly Point

Wed, 18 Nov 2009 19:25:13 -0600

Clarksville TN Real Estate - Holly Point

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

839 Nandina Court, Clarksville, TN

Builder's Home

3BR/2BA Single Family House

offered at $179,900

Year Built 2006

Sq Footage 1,850

Bedrooms 3

Bathrooms 2 full, 0 partial

Floors 2

Parking 2 Car garage

Lot Size Unspecified

HOA/Maint $25 per month

DESCRIPTION

Reduced over $10,000! Builder's personal residence. Freshly painted, hardwood floors in great room, hallway and entry. Upgraded cabinetry and appliances. Pantry, refridgerator, huge bonus room (large closet/no knee walls), sod front yard, cul-de-sac and NO backyard neighbors.

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 (Pam's Cell)
931-436-7617 (Tim's Cell)
www.cashsofclarksville.com
www.myclarksvillerealestate.com

see additional photos below

PROPERTY FEATURES

- Central A/C - Central heat - Fireplace

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

- Bonus/Rec room - Dining room - Dishwasher

- Refrigerator - Stove/Oven - Microwave

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

COMMUNITY FEATURES

- Garage parking

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: Nov 18, 2009, 4:14pm PST

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.

Lets Say Thanks

Wed, 18 Nov 2009 17:35:17 -0600

A simple, yet effective way to show your support for our Armed Forces who are in harm's way. Post courtesy of Ron Brown
Via Ron Brown FHA & VA Home Loan Specialist (First Mortgage Company of Washington):
I just received an email from one of my past military borrowers who has a loved one in Iraq. I thought it was a fabulous idea worth sharing with all the good folks on Active Rain.

Xerox is sponsoring a Thank You card drive for the men & women of our armed forces stationed overseas this holiday season. It will only take a minute of your time, and will definitely brighten their day. All you have to do is visit the Lets Say Thanks web site, follow the 3 easy steps (give your name, pick a design, and choose a pre worded thank you message, or create your own), and Xerox will print and deliver the card to one of our troops.

It does not matter what your stance is on our politics, or foreign policy, these people are serving our country, and deserve everyone's support. From a completely selfish standpoint, this is a great way to get in front of your database in a positive way. Who knows, you might just get some business out of being a nice person.
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.

Vote for Thea Agnew in the 2009 Operation Rising Star

Tue, 17 Nov 2009 16:58:35 -0600

Please take a moment to vote for one of the most beautiful voices you will ever hear!
Via Roland Woodworth "Clarksville-Fort Campbell Area Realtor" (Exit Realty Clarksville):
If you have not heard, Thea Agnew is competing in the 2009 Operation Rising Star and she needs your help. Please vote for Thea Agnew in the 2009 Operation Rising Star today !

OK... You ask, what is Operation Rising Star ?

This is a US Army MWR contest like American Idle where the contestants are either in the military or a military spouce. Thea Agnew according to the Operation Rising Star website has moved to the final 6 and the online VOTE is a vital part in her making it to the final 3 in tonights performance. According to the Operation Rising Star Website, YOU can vote as often as you like during the selected voting times listed below. Please take the time to help Thea Agnew make it to the TOP 3 and beyond. Have everyone you know take the time to visit the link below and VOTE for Thea Agnew who is representing Ft. Campbell, Kentucky in the competition.

The voting is open for 2 hours today starting at 1:00 PM CST and again at 8:30 PM CST.

Please click this linke and VOTE for Thea Agnew

The Operation Rising Staris taking place at the Wallace Theater, Fort Belvoir Virginia and can be seen on the Pentagon Channel broadcast.

Calling all Active Rain Members... Thea Agnew is a Active Rain Member and would appreciate all our support !

Please click this linke and VOTE for Thea Agnew

Once you have Voted:

Please comment below to show Thea your support

This girl can sing ! The judges gave her great reviews after her last performance. I was happy to see on the website that Thea was selected for round 2 tonight.



Meet the Judges and Celebrity Guests

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing
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.

Preparing your home for sale

Mon, 16 Nov 2009 21:00:28 -0600

Preparing your home for sale. One of the most frequently overlooked ingredients to a timely sale is the diligent care taken by the homeowner when preparing their property for sale. Potential buyers are drawn to properties that have been strategically groomed for the marketing process.

Here are some ideas that you might find helpful.

Getting Your Home Ready To Sell: You would never dream of inviting guests to your house without making certain preparations, so you wouldn't invite potential buyers without first making the necessary updates by preparing your home to sell. If you are like most sellers, you want to get as much as possible for your home and you want to do it as quickly as possible.

Letting Go: After you've lived in a house, it becomes much more than four walls and a ceiling. It's a home and it has a lot of good memories. Your first step to preparing your home to sell is to realize that you will take these memories with you wherever you go, but you won't be taking the house. It can be difficult to let go, but the task will be much easier if you start to think of it as a new beginning rather than an ending.

Cleaning House: An important part of getting your home ready to sell is in staging the decor for potential buyers. When you stage a home, you create an environment that is free of any personal items, such as photos and/or anything that stands out as being customized for you or your family. When a potential buyer walks through your home, they need to envision their belongings and decor without being distracted by yours. While these items may be special to you, they could possibly prevent the buyer from being able to imagine their own style complementing the home. In addition to removing any personal items, make sure that you remove any clutter from the home. A clean home seems larger and more inviting, whereas a lot of stuff laying around could give the impression that the home is too small or cramped for storage. Pack up any knickknacks, remove your children's drawings from the refrigerator, and clean up your counter space in both the kitchen and bathrooms.

Staging Your Home: Now that your house is clean, it's time to put the finishing touches on the staging process. A solid, neutral shade in a tablecloth should be selected for the dining room table. Depending on your decor and wall coloring, a solid white, sand or ivory covering will work well. In the center of the table, a vase with fresh cut flowers (or silk, if you have allergies) will add a nice accent. Did you know that the kitchen and bathroom are two of the main selling points to any home? Keep this in mind when preparing your home for potential buyers.

The living room should have one focal point, whether it be a fireplace or breathtaking view of the outside world. If you have too many features screaming out at potential buyers, they may feel overwhelmed, so focus on one aspect and make it shine. If you have a mantle, line it with three candles that match your decor in color. Place a large candle in the center with one smaller one on each end, which will be reminiscent of a perfectly matched bookend set. A home with a stunning view should have window dressings that accent the positive, instead of hiding it. If your furniture has a design of any kind, mask it with a solid slipcover to complement the flooring or wall color. Some homeowners also add a fresh coat of paint to their home, which will bring life back into a fading color. Turn on the lights and open the blinds and draperies to create a bright and inviting environment throughout your home.

Where To Store Your Stuff: Now that you know how important it is to remove any clutter and oversized or bulky furniture, you need to know where to put it. If you already have a new home, you can simply move it there. Otherwise, you can put it into storage until you are ready to move. It's important to leave some essentials in your former home for potential buyers to see, such as a dining room table, a sofa and chairs, bed, etc. Any additional furnishings that seem to interrupt the flow of your home, or make it feel cramped, should be removed. You do not want potential buyers to feel as though the house is too small.



Details, Details, Details:   As a final strategy to prepare your home to sell, make sure that you have any carpet stains removed, windows cleaned, fresh linens placed in the bedrooms and bathrooms, etc. You would be surprised at how many people pay attention to even the smallest of details, so be sure to fix any small repairs that could be a turnoff for buyers. Last, but not least, make sure your home looks just as good on the outside as it does on the inside. This means that your lawn should be cared for, flower beds must be maintained, and any outdoor clutter must be removed.

Experience has proven that when homeowners take the time to adequately prepare their home for the market the time it takes to sell their home is reduced significantly.

Please feel free to contact us if you have any questions. We are happy to consult with you without any obligation regarding the sale of your property. You can reach us at any time at 931-338-1375 or 931-436-7617.

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 - Tuesday, 17 November 2009 - Autumnwood Farms Subdivision

Mon, 16 Nov 2009 18:11:19 -0600

Clarksville Real Estate Professionals, please join Pam and I for an Agent Open House at 1275 Flagstone Court.

When: 17 November 2009

Time: 11 to 1

As always there will be door prizes and lunch!

Directions: From Trenton Rd turn right on Hazelwood Dr. Right on Flagstone to R on Flagstone Ct.

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.1130937

Status Active Area 76 List Price $185,000

Type Site Built Er/Ea Exc. Right to Sell Media

Address 1275 Flagstone Ct City Clarksville Zip 37042

County Montgomery Sub/Dev Autumnwood Farms MLS Map

Lot Number Tax ID 018L J 018.00 Deed Book/Page V1081/878

Directions From Trenton Rd turn right on Hazelwood Dr. Right on Flagstone to R on Flagstone Ct.

General Information

Style Ranch Stories 1.00 Year Built 2005 / Existing

Acres Total Rooms 7 Completion

Size 84.74X36X79.28X129.41 Lot Slope Assoc Fee $ /mo

Constr Partial Brick / Vinyl Floors Carpet / Finished Wood / Vinyl / Basement Full / Unfinished

Driveway Concrete Waterfront / Garage 2 / Basement

Community Amenities Roof

Rooms and Dimension Information

Liv 20x15 / Fireplace Rec / Bed 1 15x13 / Walk-in Closet

Din 11x10 / Formal Hobby / Bed 2 11x10 /

Kit 18x12 / Eat-In Other / Bed 3 11x10 /

Den / Other / Bed 4 /

Bedrooms

Full Baths

Half Baths
Finished Square Feet (est)

Main 3 2 0 Main 1718 Est. SqFt. Source

Other Second Tax Record

Third

Total 3 2 0 Basement
Total
1718

Office and Showing Information

Show Show Anytime Owner Name Open House

Agent Pamela A. Cash (Ph: 931-338-1375) CoList Agent Timothy J. Cash (Ph: 931-436-7617)

Listing Office Crye-Leike, Inc., REALTORS (Ph: 931-648-2112) CoList Office Crye-Leike, Inc., REALTORS (Ph: 931-648-2112)

Appt Phone 800-404-9862 Subagency 0 Buyer Broker 3 Facilitator 3

Remarks: You will love the open floor plan of this home. High ceilings,Beautiful kitchn,custom cabinets,hardwd flooring,huge master Bdrm closet!Jacuzzi tub ,Lg Laundry room! Plenty of natural light,Unfinshd basement for those toys, 1 yr. warranty! Virtual tour !

Schools and Utilities

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.

What is Mortgage APR, Can You Explain It?

Sun, 15 Nov 2009 21:12:51 -0600

Ever wonder what is Mortgage APR? A very informative piece courtesy of Bill Ladewig.
Via Bill Ladewig Your FHA Guru - FHA and VA Loans Since 1970:
WHAT IS MORTGAGE APR, Can You Explain It?

APR Demystified and APR Predators Exposed

First, lets demystify Annual Percentage Rate (APR).

Mortgage APR was designed to allow consumers to use one standardized number to compare each lender's rate for the same type of loan while rate shopping. It is supposed to represent the borrower's cost and it works like this.

If I lend you, $10,000 and, I charge a $500 Bump-ta-Bump Fee, you will actually receive $9,500, however you must still repay me $10,000. Mortgage APR is my real yield and your real cost on this loan.

We agreed that you will repay the loan at 8% interest on $10,000, HOWEVER you only received $9,500 therefore I will earn more than the 8.0% interest rate I charge on $10,000. In this case, my yield (APR) is 9.799% on the $9,500 you received.

APR is the lender's yield on dollars actually lent ($10,000 minus $500 = $9,500); in this case, the lender's yield (APR) on $9,500 is 9.799%   (APR is computed as if the above example is a 30 year loan)

The $9,500 also represents the Amount Financed in the Truth In Lending (TIL) disclosure.

For those of you who use spreadsheets the Rate Function will find APR. Use the Amount Financed for Loan Amount and use the monthly payment on the actual loan amount.

Fees that must be subtracted from a mortgage loan to properly calculate Amount Financed for APR

Origination and Discount Points

Processing and Lender Fees

Pre-Paid Interest (Use 15 days when closing date is unknown)

Monthly Mortgage Insurance must be added to the payment of all FHA loans and Conventional loans greater than 80% loan to value.

The inclusion of Mi or MIP accounts for the large spread between Rate and APR on loans with mortgage insurance.

NOTES: Fees Not used in APR calculation; third party fees such as appraisal and credit. APR can only be compared on loans of the same type and amortization period

How Do APR Predators Work?

Many sophisticated borrowers shop interest rates by searching for lowest APR which, if property stated, is a valid way to compare similar loans. Unfortunately, APR is not always stated properly.

How is advertised Mortgage APR is misstated?

Prepaid Interest is not included - most common deception and true on all online Rate sites   i.e.: Bankrate.com, Interest.com, Mortgage101.com, ShopRate.com, etc.

Prepaid Interest is understated - must be 15 days when closing date is unknown.

MI or MIP is not included in the APR on any online rate sites, Bankrate etc.

Some lenders do not include MI or MIP on their web sites such as Amerisave.com

Lender fees are either understated or not included in the APR calculation. This is a tricky one because No or Low Lender Fees does not necessarily indicate a predatory lender. Some lenders charge a higher rate and no points or fees for their so called "Zero Cost" loan. However, the "Zero Cost" rate will always be higher than a rate with points and/or fees.

Notes to the above:

there is no such thing as a Zero Cost loan and some states prohibit lenders from advertising Zero Cost Loans.

The spread between Rate and APR on loans greater than 90% LTV should be at least 0.700%. When it is not... you are being scammed

Rate - Points - Fees are all interdependent

The best way I can explain this is show various Rate - Point - Fee combinations where the lender is making the same gross profit on each combination.

In the examples below, we will use a $200,000 loan amount and Lender gross profit of $1,000, on a day when the Lender's cost for a 5.000% rate is par (0 point).

Best Rate: $1,000 Lender profit in various combinations of points and fees

Rate

Fees

Points

APR

Profit

5.000%

$1,000

     0

5.044%

$1,000

5.000%

$500

0.250

5.044%

$1,000

5.000%

$0

0.500

5.044%

$1,000

Lowest Fees:
You pay $0 points and fees and Lender's investor pays the lender $1,000 for the higher rate.

Rate

Fees

Points

APR

Profit

5.125%

$0

    0

5.125%

$1,000

The point here is that lenders design their loans to provide talking points for their sales staff (loan officers). They all require a certain profit margin and it is not important the way the loan is structured as long as the closed loan delivers their required profit margin.

This illustration also points out the value of correctly stated APR as a way of comparing mortgage loans. For the sake of these illustrations, prepaid interest was not used. If 15 days PP was calculated it would have increased each APR by 0.019%.

Bill Ladewig

800.664.7283 (SAVE)

Bill@YourFhaGuru.com

Website

Bill Ladewig is a Mortgage Broker Licensed by the California Department of Real Estate 00968137

San Diego FHA and VA Home Loans Escondido Mortgages Escondido Localism San Diego FHA and VA Home Loans San Diego Localism San Diego UFMIP Escondido Mortgages Escondido Localism San Diego Mortgage What is APR
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 - Thea Agnew

Sun, 15 Nov 2009 18:28:05 -0600

Operation Rising Star - Thea Agnew. Many of you have seen blogs on both this contest and on Thea Agnew's singing talents. Ms. Thea is not only a very talented singer, she is a mother and a Army Spouse. Also, she is a wonderful friend.

Voting is today, Sunday, 21:30:00 (930pm) to 23:30:00 (1100pm) Eastern Standard Time (America/New York). The broadcast can be seen at 7 pm central on the pentagon website: www.pentagonchannel.mil clicking on steaming live or if you see Operation Rising Star, click there. Voting is done on www.oprisingstar.com clicking on VOTE then Thea Agnew.

Please assist Thea is realizing a dream that she has been chasing for many years now!

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.

Honor those who served our Country on Veterans Day

Wed, 11 Nov 2009 07:40:40 -0600

This editorial was co-written by Bill Larson and Tim Cash, and contains a gallery of images from the 2009 Veterans Day parade.

America has long had a fascination with Heroes: cowboys wearing a ten gallon hat and riding a white stallion, a firefighter rescuing someone from a building engulfed in flames, the Sheriff putting dangerous criminals behind bars, the athlete, the underdog overcoming impossible odds, and of course the special kind of person that volunteers to serve our great Country.

Becoming a Soldier is a choice that involves sacrifices. The sacrifice of knowing you may be required to leave your family, loved ones, and the comforts of home on a moments notice. The sacrifice of knowing that the time spent away from your loved one's can never be reclaimed. The sacrifice of knowing that there is always the possibility that you may not make it back. The choice to become a soldier is never an easy one.

Welcoming our Soldiers home

Soldiers do not enlist because they want to go out and kill, they do so for a myriad of reasons, some do so for a paycheck, some for assistance with college tuition, some because they lack of other viable choices. Every Soldier has their own individual reasons for enlisting, but for most at the root of their decision to enlist, stems a deep and abiding love for their country, and our freedoms. For these Soldiers patriotism isn't an abstract concept, it is an essential part of their being.

When Soldier swears their oath, they mean every word of it:

I, (NAME), do solemnly swear (or affirm) that I will support and defend the Constitution of the United States against all enemies, foreign and domestic; that I will bear true faith and allegiance to the same; and that I will obey the orders of the President of the United States and the orders of the officers appointed over me, according to regulations and the Uniform Code of Military Justice. So help me God.

They also recognize that their duty to their oath does not end, just because they have left the service of their nation.

Clarksville Online's Tim Cash was one of those soldiers....

Due to circumstances beyond our control neither my family or myself could provide the opportunity for me to attend college right out of high school. The Army offered me a chance to serve, and in exchange they would provide me with the assistance to allow me to attend college. Which I did eventually did, and I am a mere twelve credits from earning my bachelor's degree.

A sense of duty to our Nation, and my Family turned what was to be a three year tour, into a twenty year career. This was not something I had planned on, but my path in life became clear to my during my fledgling years of service. I, like many who served before me, and who still today, did not make the career choice based upon money.

For most soldiers it is the knowledge that we were (and are) protecting our Families and way of life here in the United States, that drives us to make that difficult choice. We would gladly lay down our lives fighting in a far away land, rather than allowing our enemies bring their fights to our shores. Many of our soldiers have ended up paying that ultimate price, and should be revered by all Americans for the sacrifice they and their families made for us.

Soldiers are not political, they march off to war because they believe that they are doing so in service of a just cause. Our Soldiers service gives us the ability to sleep in peace at night; to wake up in the morning; and to allow us enjoy the freedoms promised under our Constitution, without fear of retribution.

As we honor our Veterans today, please take a moment to say a prayer for all those who have served, are serving, or will soon serve their nation on this hallowed day!
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 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

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.

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

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.

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

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 - 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

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.

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

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.

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

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.

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

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.

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

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 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.

	Residential	MLS No.1130937
Status Active	Area 76	List Price $185,000
Type Site Built	Er/Ea Exc. Right to Sell	Media
Address 1275 Flagstone Ct	City Clarksville	Zip 37042
County Montgomery	Sub/Dev Autumnwood Farms	MLS Map
Lot Number	Tax ID 018L J 018.00	Deed Book/Page V1081/878
Directions From Trenton Rd turn right on Hazelwood Dr. Right on Flagstone to R on Flagstone Ct.

General Information
Style Ranch	Stories 1.00	Year Built 2005 / Existing
Acres	Total Rooms 7	Completion
Size 84.74X36X79.28X129.41	Lot Slope	Assoc Fee $ /mo
Constr Partial Brick / Vinyl	Floors Carpet / Finished Wood / Vinyl /	Basement Full / Unfinished
Driveway Concrete	Waterfront /	Garage 2 / Basement
Community Amenities	Roof

Rooms and Dimension Information
Liv 20x15 / Fireplace	Rec /	Bed 1 15x13 / Walk-in Closet
Din 11x10 / Formal	Hobby /	Bed 2 11x10 /
Kit 18x12 / Eat-In	Other /	Bed 3 11x10 /
Den /	Other /	Bed 4 /
	Bedrooms	Full Baths	Half Baths	Finished Square Feet (est)
Main	3	2	0	Main	1718	Est. SqFt. Source
Other				Second		Tax Record
				Third
Total	3	2	0	Basement		Total	1718

Office and Showing Information
Show Show Anytime	Owner Name	Open House
Agent Pamela A. Cash (Ph: 931-338-1375)	CoList Agent Timothy J. Cash (Ph: 931-436-7617)
Listing Office Crye-Leike, Inc., REALTORS (Ph: 931-648-2112)	CoList Office Crye-Leike, Inc., REALTORS (Ph: 931-648-2112)
Appt Phone 800-404-9862	Subagency 0	Buyer Broker 3	Facilitator 3
Remarks: You will love the open floor plan of this home. High ceilings,Beautiful kitchn,custom cabinets,hardwd flooring,huge master Bdrm closet!Jacuzzi tub ,Lg Laundry room! Plenty of natural light,Unfinshd basement for those toys, 1 yr. warranty! Virtual tour !

Rate	Fees	Points	APR	Profit
5.000%	$1,000	0	5.044%	$1,000
5.000%	$500	0.250	5.044%	$1,000
5.000%	$0	0.500	5.044%	$1,000

	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