When making a decision to sell your home in the Sumner, Davidson, Cheatham and Robertson County areas, you may want to interview several agents to determine who would be best qualified to handle the sale of your most important asset.  This should be a business decision and should not be based on friendship or family concerns.  You want the most qualified agent to work on your behalf.  To help you decide, you may want to ask these questions.

 1. Do you personally answer all phone calls on the property?

2. Can we cancel the listing if we’re not happy?

3.  Are you a Realtor® and what designations do you have?

4.  Do you have a personal internet web site and what percentage of business comes from that site?

5.  What systems do you have in place that will keep you in constant contact with me during the listing and the transaction?

6.  What type of internet marketing do you have and where will my home be seen?

8.  What is your average days on market?

9.  Can you give me a list of your clients who have closed and can I call them?

10. Why should I list with you rather than any other agent?

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1. FHA loans are not only for lower-income borrowers. FHA loans are available to everyone. There is no maximum income restriction associated with FHA loans, but borrowers do need to substantiate income and assets by submitting proper documentation. This requirement ensures that borrowers are well-vetted and truly able to afford their future homes. IF you are searching for home loans in Goodlettsville Tennesse, an FHA loan may be your answer.

2. FHA loans are not only for first-time buyers. Many people believe FHA loans are available only to first-time home buyers, but this is not the case. Whether borrowers are making their first home purchase or their fifth, they can look to FHA loans as a home financing option.  Search for a mortgage loan officer than can assist you in Goodlettsville.

3. FHA loans are not just small loans; in fact, loan amounts can be as high as almost $800,000. The government recently raised the maximum loan amount from its original cap of $362,790 to $793,750 as a way to help stabilize the housing market. The amount a buyer can borrow varies from county to county though.

4. FHA loans are not affiliated with the section 8 housing program. While both programs are administered by the U.S. Department of Housing and Urban Development (HUD), FHA loans have nothing to do with low-income subsidized housing. FHA loans are simply mortgages insured by FHA. This insurance provided by the federal government allows lenders to lend more freely by assuring them that they will be repaid in the event of default. Most traditional lenders, including Wells Fargo & Co., JP Morgan Chase and Citigroup are able to provide FHA loans to their customers.

5. FHA loans are often more affordable than conventional loans. While FHA loans typically offer the same interest rates as other loans, borrowers benefit from a much lower down payment of as low as 3.5%.

6. FHA-approved condo developments are more desirable to buyers. With 87% of home buyers indicating that they plan to use FHA loans, condo associations that are not FHA approved are missing out on a significant pool of prospective buyers. Under rules in place since February 2010, an entire condominium development must now apply to HUD and be granted FHA approval before a buyer can purchase a unit in an association with an FHA loan or before an existing unit owner can refinance into an FHA loan.

Due to the general unwillingness of today’s lenders to extend credit with respect to conventional loans, many borrowers find that FHA is their best bet. Lenders don’t mind lending when the federal government (FHA) assures them of repayment.

Homeowners associations (HOAs) should note that although FHA-insured mortgages might be easier to obtain, they are not “risky” loans, due in large part to the strict “full documentation” requirements placed on borrowers. Individual buyers or sellers can initiate the approval process or current owners can encourage their HOA to apply.

7. FHA loans are assumable. In addition to lower down-payment and credit-qualifying requirements as compared to conventional loans, FHA loans are assumable. This means that when a seller with an FHA loan sells his or her property, the loan and its financing terms (interest rate) can be transferred to the new buyer. This unique feature will certainly make a property more valuable in times of rising interest rates.

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See more about purchasing  homes in Goodlettsville and Hendersonville, Tennessee at http://kimblanton.com

There is plenty of pasture for your horses and a horse barn with a full bath and separate septic system.  Additionally, a stocked pond will be a good water source for your horses.

This home and property is also convenient to Springfield, Tennessee and easy access to Nashville as well as Clarksville, Tennessee.  Additionally, it is located near Pleasant View, Tennessee and Ashland City, TN.  The custom built home has Italian tiles, mahogany hardwoods, great room with french doors to the screened in porch, a huge bonus room with a full bath has plenty of room for a pool table .  The gourmet kitchen has custom cabinets and stainless appliances.  A formal dining room will give you lots of space for entertaining. This Clarksville area home has much to offer.

This 13 acre  horse property is convenient to shopping and Interstate 24W.  Horses are  welcome.  See additonal photos of acreage and home for sale.  100% financing is possible using a USDA Rural Development loan. 

You can also see a virtual tour  of 2775 Kinneys Road, Cedar Hill, Tennessee. 

Home and property listing is exclusively offered by Kim Blanton with Crye-Leike Realtors.

For your own personal showingor information on the USDA Rural Development Loan, please contact kim@kimblanton.com or your own Realtor®, to view this gorgeous equestrian property.

No down payment loan with great interest rates is available to qualified buyers on this wonderful home for sale in Springfield, Tennessee(Robertson County)  It is convenient to surrounding areas of Nashville , TN inluding  White House, TN, Greenbrier,  TN, and Goodlettsville, Tennessee .   It also has easy access to two major interstates, Interstate 65 and Interstate 24.

Springfield, located just north of Nashville, has plenty of shopping and restaurants and is adjacent to White House, TN  and Greenbrier, Tennessee. It gives you a hometown feeling without feeling crowded for space.

The Oakland Farms neighborhood will make you feel right at home.  The community has one of the few pools in the area, a clubhouse, playground, fishing pond and daycare.   If you are considering  homes for sale in White House, TN, please don’t miss this opportunity in Oakland Farms.

Your new home has  many features and special amenities including a very private cul-de-sac setting and farmland views.  This home is very spacious with over 1500 square feet of living space.  The bonus room has a large closet and could be used as a 4 bedroom if you desired. You will be pleasantly surprised at all that you will find here.

For more information on this no down payment, Springfield, Tennessee home for sale incluidng a virtual tour.

For your own personal showing, please contact kim@kimblanton.com or your own Realtor®, to view this masterpiece!

Remember, if you are looking for homes in Robertson County, Tennessee with easy acccess to White House,  TN, Nashville, TN Greenbrier, TN or Springfield, Tennessee, be sure to see this home.

See a neighborhood video about  White House, Tennessee

See a neighborhood video about Springfield, Tennessee

See a neighborhood video about Goodlettsville, Tennessee

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 Nestled on 7 private acres, this home would be considered by most to be a dream home. Sellers take great pride in thier home. 

Gourmet kitchen with granite, custom cabinets and stainless appliances. 2 story great room with fireplace, master suite on first level with sitting area and fireplace.  Game room or bonus room on first floor.  There is a full unfinished basement with plenty of room for expansion.  

 Please see a virtual tour  of 131 Meghana Drive, Whites Creek, Tennessee.  Home and property is exclusively offered by Kim Blanton with Crye-Leike Realtors.

Additional information on this home.

For your own personal showing, please contact kim@kimblanton.com or your own Realtor®, to view this remarkable executive home.

This charming home for sale in Greenbrier, Tennessee(Robertson County) is situated on almost an acre, and backs up to the popular Oak Hills golf course.  It has many new renovations including a complete new kitchen. 

This 5 bedroom home in Greenbrier is convenient to surrounding areas of Nashville , including  Goodlettsville, Springfield, TN  and Joelton, Tennessee .   It also has easy access to Interstate 65, less than 10 minutes away. This Robertson County home for sale is sure to please.

Greenbrier,  TN located north of Nashville, is adjacent to Goodlettsville to the south and Springfield to the north.  You will be delighted with the price of homes here.

The Heather Hills neighborhood will make you feel right at home.   If you are considering  homes for sale in Goodlettsville, TN, please don’t miss this opportunity in Greenbrier, Tennessee. 

When searching Goodlettsville, Tennessee real estate and for more information on this Greenbrier, Tennessee home for sale incluidng a virtual tour    

For your own personal showing, please contact kim@kimblanton.com or your own Realtor®, to view this masterpiece!

Remember, if you are looking for homes in Robertson County, Tennessee with easy acccess to Joelton  TN, Nashville, TN Goodlettsville, TN or Springfield, Tennessee, be sure to see this home.

For more information on buying and selling homes in and around Greenbrier, Springfield, Joelton and Goodlettsville, Tennessee

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 Here is a Best Kept Secret -

 A tranquil and inviting lake in Madison, Tennessee.

 Madison, located in north Nashville, is close to downtown, shopping and restaurants and is adjacent to Goodlettsville, Tennessee and Hendersonville, Tennessee.

The Harbor Village neighborhood will make you feel right at home.  The community has one of the few pools in the area, tennis courts and a clubhouse.

This luxurious townhome has  many features and special amenities including a fully furnished and equipped media room for your enjoyment and a hot tub with a view of the lake.  This home is very spacious with over 2300 square feet of living space.  You will be pleasantly surprised at all that you will find here. 

For more information and a virtual tour please visit 631GlennCircle.com

For your own personal showing, please contact kim@kimblanton.com or your own Realtor®, to view this masterpiece! 

Remember, if you are looking for a townhome in the Nashville or Goodlettsville, Tennessee areas, be sure to see this home.

For more information on buying and selling homes in Nashville, Tennessee

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The top 9 most common reverse mortgage myths include:

Myth: If I take out a reverse mortgage the lender will own my home.
Fact: False. Homeowners still retain title and ownership to their homes during the life of the loan, and can choose to sell the home at any time. As long as the house is maintained and property taxes and homeowners insurance are paid, the loan cannot be called due.

Myth: My children will be responsible for the repayment of the loan.
Fact: False. Reverse mortgages are non-recourse loans. That means, if the property is sold to pay-off the loan when the homeowner passes away or decides to leave the home for other reasons, there will be no mortgage debt for the family and heirs to repay. The maximum amount owed is the current market value of the house. If the homeowner’s heirs want to keep the home, they would pay the balance in-full to the reverse mortgage lender.

Myth: I can’t get a reverse mortgage if I have an existing mortgage.
Fact: False. With enough equity, you may be able to pay off your existing mortgage or other debt with the reverse mortgage. The reverse mortgage must be in a first lien position, so any existing mortgage must be paid off. Seniors who take out reverse mortgages are free to do anything they want with their reverse mortgage proceeds. Paying off an existing mortgage is the number one reason most seniors take out a reverse mortgage.

Myth: Only low-income seniors get reverse mortgages.
Fact: False. Although some seniors may have a greater need than others for the monthly proceeds or lump sum funds reverse mortgages offer, most simply prefer to be free of monthly mortgage payments. Without monthly mortgage payments, many homeowners find they can maintain their existing quality of life and build their savings to help with future expenses. A growing number of people who have no immediate need are taking out these loans so that they have a financial cushion for future expenses.

Myth: If I outlive my life expectancy, the lender will evict me.
Fact: False. Reverse mortgage lenders put no time limit on how long seniors can stay in their homes. Since homeowners still own the property, lenders cannot evict them, provided they follow the program guidelines.

Myth: There are no objective advisors available to seniors trying to decide if a reverse mortgage suits their needs.
Fact: False. Borrowers are required to work with independent, third party counselors approved by the U.S. Department of Housing and Urban Development (HUD) in their local communities. This educational session helps them make the right decision for their unique situations.

Myth: There are restrictions on how reverse mortgage proceeds may be used.
Fact: False. There are no restrictions. The cash proceeds from the reverse mortgage can be used for virtually any purpose and borrowers should be cautious of lenders attempting to cross sell other products. Many seniors have used reverse mortgages to pay off debt, help their kids, make ends meet or to have a financial reserve.

Myth: Reverse mortgage lenders take advantage of seniors.
Fact: False. Seniors who have been victims of reverse mortgage lending schemes are extreme exceptions and typically victims of unsavory lenders. As a consumer, you should only work with lenders who are Better Business Bureau and National Reverse Mortgage Lenders Association (NRMLA) members and adhere to those organizations’ strict Code of Ethics and Standards for Trust.

Myth: I’ve heard I won’t qualify for a reverse mortgage because of my limited income.
Fact: Unlike a traditional mortgage where mortgage payments must be made each month, a reverse mortgage pays you. Because of this, many seniors who do not qualify for traditional financing are eligible for a reverse mortgage.
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Article printed from RISMedia: http://rismedia.com

The 295,348 permanent modifications amount to about a quarter of the 1.2 million trial modifications started under the program, which began last year.

During the trial, banks and mortgage servicers reduced a homeowner’s monthly payment for 90 days, with a median reduction of about $500. If the homeowner made the payments and submitted additional paperwork, the servicer made the modification permanent and became eligible for cash incentives from the government.

Servicers have canceled a total of 277,640 trial modifications through April, according to the Treasury Department. That was up sharply from the 155,173 modifications that had been canceled through March. In addition, 3,744 people have had their permanent modifications canceled.

The increased cancellations largely were caused by many servicers granting temporary modifications without verifying the homeowners’ income. Starting June 1, 2010, the program will require all modifications be made based on verified income statements, Treasury officials said.

The $75 billion program has been criticized for moving too slowly to modify loans to create lower payments for 3-4 million people by the end of 2012. In December, the Obama administration began pushing mortgage services to move more quickly to convert eligible trial modifications to permanent ones.

Since then, the number of permanent modifications has nearly tripled. Large servicers such as Bank of America Corp., JPMorgan Chase & Co., Wells Fargo & Co. and Citigroup Inc., which had been lagging behind smaller firms, have improved their performance.

Those large companies account for more than half of the active trial and permanent modifications. Still, they have turned only about 25% of their temporary modifications into permanent ones, compared with 50% or higher for some other lenders, such as GMAC and U.S. Bancorp.

Many homeowners and housing advocates have complained about bureaucratic runarounds by mortgage servicers in trying to get their mortgages modified. Treasury officials said they planned to collect new data about the performance of companies and release it beginning in July.

“The number of homeowners receiving significant relief through a mortgage modification continues to rise,” said Phyllis Caldwell, head of the Treasury’s Homeownership Preservation Office. “Our focus now is on improving the homeowner experience and holding servicers accountable for their performance.”

The new data will focus on the eight largest mortgage servicers. It will include the average time from the start of a trial modification to a permanent modification, how long it takes servicers to answer phone calls from homeowners and the time it takes them to respond to homeowner problems that come from housing counselors, attorneys and other third parties.

(c) 2010, Los Angeles Times.

Distributed by McClatchy-Tribune Information Services.

Moving from one house to another is seldom easy and fun for adults and it can be especially troubling for the teenagers. To make the move easier on your teenagers, parents need to deal with their children’s concerns and needs thoughtfully, much of that distress and discomfort can be avoided.

Remember that it may be the only home they have ever really known. This is their house, the place they feel safe and comfortable and thoroughly at home. A house is much more than a roof and walls to a teenager. It is the center of his or her world. A move threatens to take that sphere away and leave something totally strange in its place. The familiar friends, schools, shops and theaters, the streets, trees and parks - all will no longer exist for them.

Keep in mind that the new house will not be beautiful the night after the moving van leaves, or for months after. The furniture won’t fit the rooms. The curtains won’t be up, and every spot on the floor will be covered with half-unpacked cartons. Your teenager won’t know anyone at school and, if you move during the summer, they may have little opportunity to meet anyone their age. You may be faced with many more problems in your new community that they will, but remember that you can handle them more easily than they can.

Some relationships will be extremely difficult to break and these will demand careful, thoughtful, personalized planning by both parents. How, for instance, do you move a 17-year-old 1,000 miles from her steady boyfriend? Expect that your teenager may be even more distressed after the move than they were before it.

Remember that the newness will wear off. New friends will become old friends and best friends. This new house may become the family homestead your grandchildren will visit every holiday season. There will be discomforts, but in the long run, everything will work out fine.

To make the move easier on your teenagers, they will need your help, and you should plan to give them the support they need.

For more information on buying and selling homes in the northern Middle Tennessee area including Goodlettsville and Hendersonville