loan: Great home in Hermitage under $99,000
- 02/26/10 07:24 AM
Thank you for looking at my Ad! You have found a great home!! This home will qualify for the $8,000 first time home-buyer tax credit! It is very conveniently located at 839 Heritage Trail, Hermitage TN 37076. The home features 3 Bedrooms and 1 Bath and has many upgrades. The siding is brand new and so is the roof. We have also installed brand new storm windows throughout the home. The kitchen has been completely remodeled. The flooring is all brand new, with new carpet in the living room and all bedrooms, new tile in the bathroom, and new vinyl in … (3 comments)
loan: Best Deal in Nashville TN!!!
- 07/10/09 08:01 AM
This is a completely updated 4 Bedroom home in a very desirable location. This home features brand new hardwood flooring in the living room area and dining room and new carpet throughout all the bedrooms. The oversized kitchen has been completely updated with brand new cherry cabinets and stainless steel appliances. The interior of the home has also been repainted with neutral colors. This is a 3 level home, with the master suite and master bath upstairs and a 2 car garage and the 4th Bedroom / bonus room in the finished basement. It also has a nice loft area that … (0 comments)
loan: Fannie Mae and Freddie Mac
- 10/21/08 10:10 AM
I have had a few thoughts about the recent collapse of the mortgage giants and would like to know others thoughts on the matter. Fannie Mae and Freddie Mac were both taken over by the government in September of this year. This was mostly because of lax underwriting guidelines, and the declining home prices in the US. Since then the real estate market has continued to deteriorate, and congress has passed a $700 billion bailout of the banks. Both of the mortgage giants have continued to tighten lending guidelines and ratchet up rates. In order to get the very best rate … (0 comments)
loan: $185000 - GREAT DEAL on a 4 Bedroom 2 Bath home in Nashville!!! Awesome Location!
- 10/20/08 07:22 AM
This home is a 4 Bedroom, 2 bath with 2633 square feet of living space and a 2 car garage. It features 3 stories with the 4th bedroom and 2 car garage on the lower floor. It has a very open floor plan and a massive kitchen with lots of countertop space and cabinets. This home sold for $200,000 in 2007, and is currently being renovated. It is a great deal for the price of $185,000. The home is currently for sale by owner, but once it is listed on the market the price will have to go up for Realtor … (0 comments)
loan: Now is the best time to buy in 4 years!
- 03/04/08 04:03 AM
I just read an article on-line that said that homes are now at the most affordable rate in that they have been at in the last 4 years. This is because of falling prices in overvalued markets, and also a larger inventory of homes on the market, fueled by foreclosures. This is certainly good news, that homes are once again becoming affordable to the average person. Thanks, Chris Haynes http://www.besttnloans.com/ http://money.cnn.com/2008/03/04/real_estate/markets_less_overvalued/index.htm?postversion=2008030412 … (5 comments)
loan: Investing in Nashville Tennessee is getting more popular.
- 02/27/08 08:20 AM
I have noticed that more and more people are investing in real estate here in Nashville and middle Tennessee. I work with several investors and I have seen some really good deals come across my desk in the past few months. With more homes going into foreclosure, now is a great time to find bargains. I specialize in working with investors, and have developed quite a bit of knowledge on how to get investment loans closed quickly. I can offer rehabilitation (REHAB) loans that even let the buyer finance the cost of the home as well as the costs to repair the … (2 comments)
loan: Anyone want to go fishing??
- 02/22/08 03:37 AM
Does anyone want to go fishing with me on Percy Priest or Old Hickory Lake here in Nashville TN?? I always take any of my clients who like to fish on a free guided trip. To be honest, I'm not much of a guide, I just love to fish!! I will try and add some of my catches to this post later! Thanks, Chris 615945-3994 www.besttnloans.com … (1 comments)
loan: Is the market turning the corner??
- 02/20/08 03:29 AM
I spoke to a representative from a major lender yesterday, and he said that his company is seeing the market at its bottom, and expects it to be turning the corner in the very near future. I hope this is true. Does anyone else on Active Rain have the same opinion, or do you think there are still more troubles to come?? Thanks, Chris Haynes www.besttnloans.com … (5 comments)
loan: President's Day
- 02/18/08 03:59 AM
It sure is quiet around the office today. Oh yeah, all the banks are closed because of President's Day. This is a great time to catch up on past due tasks and paperwork. I hope everyone is enjoying the Holiday! Thanks, Chris www.besttnloans.com … (0 comments)
loan: SNOW in Tennessee!
- 02/13/08 04:36 AM
I got out to go to work this morning and saw that we had snow on the ground for the first time (at my house at least) this winter. It had accumulated about an inch or so. I love the snow and if it weren't for having to drive to work on the slick roads, I would love to have them more often in the winter months. Needless to say the commute to the office was a little slower that normal. Today is a good day to catch up with the active rain community as most real estate clients will probably not … (1 comments)
loan: Harwood Floor nightmare!!
- 02/12/08 08:17 AM
My wife and I recently decided to install new hardwoods in our home. After months of deliberating and shopping for the right deal, we finally had what we wanted. We met with our installer and told him we would take up the old flooring in our home to save on the costs. So we got up this past Saturday and started working on the 360 square foot area of our home that already had hardwoods. Here is where the crazy part began. The hardwoods had been glued down to the plywood sub-flooring beneath, making it almost impossible to rip up. After about 5 … (4 comments)
loan: Real Estate Lawyers
- 02/07/08 04:05 AM
I just had a deal go bad because of a lawyer. This is not to say that all lawyers are like this, but this is what happend in this particular case. A client was trying to purchase a home as an investment, and everything appeared to be moving along just fine, until the seller asked to have a lawyer look at the contract. The original contract had been written up on the standard TN real estate contract, and nothing was out of the ordinary. There was an inspection contingeny, as well as appraisal and financing contengincies. By the time the lawyers had rewritten everything, … (8 comments)
loan: Reverse Mortgages
- 02/06/08 05:15 AM
Here is some useful information about Reverse mortgages. Reverse mortgages have become more popular in recent years as a tool people can use to help supplement their incomes. Reverse mortgages are very flexible. You can use the loan proceeds for virtually any purpose. To qualify for a reverse mortgage you must be at least 61.5 years old and have substantial equity in your home. Once you are qualified, you can choose from 3 options. 1. A lump sum payment 2. An equity credit line, or 3. Monthly payments to you over the rest of your lifetime. Please contact me today if you would … (0 comments)
loan: Credit Scoring Tips
- 02/05/08 03:27 AM
Here are a few quick scoring tips that may help in getting the most out of your credit scores. What goes into your credit score?: Payment History (35% of the rating) Length of Credit History (15% of the rating) New Credit (10% of the rating) Types of Credit Used (10% of the rating) Debt (30% of the rating) (try to keep all balances below 50% of high credit limit)
Pay all bills on time. This is probably the most important factor in the Credit Score Calculation. If you are as little as 30 days past due, your score can drop by as much as 100 points, depending on … (1 comments)
loan: Rehab Loans for Investors!!
- 02/04/08 03:39 AM
I just wanted to write about some loans that I specialize in that can be a great asset to both Real Estate agents and investors. They are known as Rehab Loans, and they provide financing not only for the purchase of the home, but also for the repairs that may be needed. Here is how they work. First the property must have some good equity in it. The bank will lend up to 80% of the after repaired value (ARV) on the home. So an appraisal is done based on the home being updated and in good condition. As an example, if … (0 comments)
loan: Spring is almost here!
- 02/01/08 05:53 AM
Its that time of year again, when buyers are out and shopping! Each spring the warmer weather tends to heat up the Real Estate market, and this one appears to be no different. With rates low and the market being in the buyers favor, it may be very busy over the next few months. Get ready and make it a great start to the year! Thanks, Chris http://www.besttnloans.com/ … (1 comments)
loan: FED CUTS RATES AGAIN. PRIME is now at 6%
- 01/30/08 05:50 AM
The fed just cut the key interest rates again, now making prime 6%. This was expected by all on wall street and should come as no surprise. That makes a 2.25% fall in rates over the past few months, making everything from consumer loans and credit cards to Home Equity Lines of Credit a little cheaper for everyone. This should help the ecomomy, but it will take some time to see the full effects of these cuts. Thanks, Chris www.besttnloans.com … (0 comments)
loan: Fed Meets today, 1/2% rate cut expected.
- 01/30/08 03:16 AM
The Federal Reserve meets today and will decide on what to do about the key short term interest rates. The stock market is expecting at least a .5% cut in the rate, which would put PRIME at 6%. This rate only directly affects 2nd mortgages, and doesn't directly affect the long term interest rates. However, depending on the language the FED uses, the long term WILL react and make a move in one direction or the other. On the other hand, some people believe that the FED may not cut by .5%, because of the risk of stagflation, which is an … (1 comments)
loan: More bad news in the media.
- 01/28/08 04:02 AM
It seems like every time I turn on the TV, open the paper, or get on-line, I am being bombarded with bad news about the Real Estate and Mortgage industries. Last night on 60 minutes there was a 20 minute segment on the mortgage and real estate markets and how bad it is. The thing is they were showing statistics in Stockton CA, where prices had doubled and tripled in a short time. That is where the problem lies, in areas that are no longer affordable to the first time buyer. Thankfully my market (Nashville and Middle Tennessee) as well as most … (4 comments)
Thank you for looking at my Ad! You have found a great home!! This home will qualify for the $8,000 first time home-buyer tax credit! It is very conveniently located at 839 Heritage Trail, Hermitage TN 37076.
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