As a native of the Middle TN. area, Janet Curtis is very knowledgeable of the market and dedicated to providing the finest customer service with the highest level of integrity. Janet is multi-faceted, has an extensive background in property renovation and offers a variety of services such as Home Staging and Home Interior Design consultations.
Kitchens play a very important role in the buying and selling process
In the most recent slide at the turn of the century, beginning with the dot-com bust and fueled by the tragic events of September 11, 2001, the economy in middle Tennessee withstood economic pressures, not falling as far as other areas of the nation and emerging from the cycle more quickly.
In my column last month, I discussed a government proposal that could have significant impact on the future of the housing industry: the QRM, or Qualified Residential Mortgage, as part of the Dodd-Frank Act. According to the proposed QRM definition, lenders must hold 5% of the risk of any given residential loan unless it is considered a QRM, which is a loan that has a 20% down payment and meets other debt-to-income and borrower credit history requirements.
By Kimberly Lankford, Kiplinger.com
My 16-year-old son is about to get his license, and I'm afraid of what that might do to our auto-insurance rates. How can we lower insurance costs?
Job hunters and those struggling to make money and get out of debt were common targets of fraudsters, hackers and deceptive businesses in this tough economy.
Simple Formulas for Affordability and Saving
When people decide to buy a home, the monthly payment is a crucial factor. Conservative underwriting state that borrowers should allocate no more than approximately 30% of their gross monthly income for a house payment. Looked at from another perspective, this means if your monthly income is $4,000, you should keep your house payment under $1,200 a month.
The start of the school year is the perfect time to take a look at your spending habits and avoid wasting money where you don't have to. Here are some ideas to help you save money.
According to the most recent Commerce Department report, Personal Spending and Personal Incomes were unimproved from the previous month, and the Savings Rate increased as consumers cut back on spending. While that data sheds light on the slow economic recovery, it also has implications on home loan rates.
By Stephanie Andre
RISMEDIA, July 22, 2010--It's hard to believe that it's already been five years since Hurricane Katrina devoured the Gulf Coast. While hurricanes are not preventable, there are steps you can take to protect yourself and your property should disaster strike.
RISMEDIA, July 28, 2010--Many homeowners seeking a loan modification to lower their monthly mortgage payments and avoid foreclosure continue to find the application process a complex web, often causing them to give up before their application is ever reviewed by their mortgage company.
Holding an Open House? Offer Your Sellers These Tips
By Stephanie Andre
RISMEDIA, May 20, 2010—Have you prepared your clients for an open house? Do they know how to get their home ready? Here, we take a look at some essential open house tips—whether it’s winter or summer—that are sure to help your sellers make their home look the best it can.
Key dates to bookmark for the year ahead. By Jessica L. Anderson, Associate Editor of Kiplinger's Personal Finance Magazine.
|
Millions of homeowners were required to get private mortgage insurance (PMI) at the time they purchased their homes, due to having made down payments of less than 20 percent. The monthly mortgage payment includes as much as $150 that represents the PMI premium. You can get so accustomed to making that identical mortgage payment every month, some people stay on auto-pilot and continue paying for a policy they’re entitled to cancel.
I hope each and everyone had an enjoyable and safe summer. It has gone by too fast. I know August is a busy month. Kids are going back to school and parents are glad they finally get “a break”.
