Tuesday, 31 January 2017
Prepare Now to Buy Later
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If you’ve got your sights set on buying a house this coming spring, consider spending time now focusing on a few things that will help expedite the process later when you’re ready to make your search official. Since the majority of people will need a mortgage loan to make their dreams a reality, I’ve asked Russ Fitch from Simmons Bank to send us a few tips to consider.

A mortgage loan has very specific requirements, and if you will do some prepping before finding that perfect home, it can save you much stress. Follow these steps to improve your likelihood of an approval:

1. Budget – The lender will review your pre-tax income to determine if you can “afford” the loan. Take a look at your monthly payments and your income, and then determine the best housing payment for YOUR budget. Mortgage Originators are not financial planners and they follow the guidelines for loan approval. Sometimes, this means that a buyer can “afford” more than they want to spend. It is up to the borrower to determine their personal maximum payment and commit to staying at or below that amount.

2. Save – Most loans require a down payment, and there are closing costs associated with loans. Save at least 6% of your desired purchase price for the down payment and other related costs.

3. Check Your Credit – Once you have saved money for a down payment and determined the maximum mortgage payment for your budget, now it is time to check your credit. This frequently involves getting “prequalified” by a loan professional. Your credit score can make a big difference in the interest rate and terms that are offered to you.

4. Gather Your Documents – Loan guidelines require ample support documentation for getting the loan approved. Be ready to supply documents to the lender, such as the most recent pay stubs, the last two years of W-2’s and taxes, bank statements, and forms of identification.

Once you have completed these four steps, you will be much more likely and ready to move forward with buying a home!

 

Russ Fitch
Mortgage originator/Simmons Bank/ NMLS
#478716
russ.fitch@simmonsbank.com

 

 

"You've Got a Friend in Real Estate
Jarod Tanksley 615.403.8265
www.BrentwoodandBeyond.com
Brentview Realty  615.373.2814

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Posted on 01/31/2017 10:13 PM by Jarod
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Wednesday, 18 January 2017
Unwanted Water in Your Home? Hire an Expert!
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When I have a client with water damage and/or the a house with the possible drainage issues, I call Harrison McCampbell from McCAMPBELL & ASSOCIATES, AIA. He has a wealth of knowledge about how to get the help you need for water-related problems in your home. Water is possibly the worst thing for a house because most damage goes unreognized until it's too late

 

Harrison McCampbell has water on the brain.  It’s not a disease, but a career. As a self-employed architect for more than 25 years, he does nothing but investigate, analyze, and rectify how water shows up within buildings and houses—where it’s neither expected nor is supposed to be. Having recently been involved with Brian Ross’ “Nightline” show on ABC about new home construction issues, he can many times spot “ingredients for trouble” just by looking at a home.  And just because something doesn’t look right doesn’t necessarily mean there are problems. Performing water tests and/or removing materials to get to the source(s) of water issues may be required.

Unfortunately, in many instances, repeated trips by a contractor may not result in solving construction problems—especially if the builder’s representative simply comes out to add more caulk, paint, or coating to “solve” a water-entry anomaly. That may be doing more harm than good. All too many times if a builder hasn’t constructed something properly, they probably also don’t know how to “fix” it properly. Be sure to have a lot of patience if you’re dealing with a problematic contractor who doesn’t return phone calls, because one of the first and easiest things to do is to “wear you out” with delays, ineffective “cures,” and/or simply not showing up when scheduled.

That’s why firms such as ours may be your best bet for getting the truly expert advice you need for fiding the source of your home's water issues. You want it done right the first time with someone who has an educated background with the problem at hand. Do your research. Read reviews. Ask your friends for their feedback with experts they have used, and then move forward with the confidence to express your specific needs once you’re sure you have found the correct person to do the job.

 

Bio:

Harrison McCampbell has a Bachelor of Architecture degree from the University of Tennessee (1972) and is a registered Architect in the State of Tennessee.  Upon graduation from college, Mr. McCampbell worked for architecture firms in Tennessee and Texas for five years. In 1977, however, he started working in the construction industry, growing in knowledge and experience with the vastly-expanding field of roofing. During the same time, he has worked with architects to help bridge the gap between the fields of architecture and roofing. His work as a roofing and waterproofing consultant has involved him in field investigations, report and specification writing, code interpretation and compliance, and contract administration, and legal cases that have included arbitration, mediation, and litigation. He had lived and worked in New York and California before establishing a consulting business in Tennessee in 1991 as a sole proprietor.

Over the years, his leak investigations led him into other sectors of commercial and residential construction.  Myriad moisture-related requests have involved many other related aspects of the building envelope—wall systems, windows, doors, waterproofing, and condensation.  A considerable amount of his work has been as a forensic architect investigating and analyzing moisture-entry issues, sometimes providing repair scenarios.

 

"You've Got a Friend in Real Estate

Jarod Tanksley 615.403.8265

www.BrentwoodandBeyond.com

Brentview Realty  615.373.2814

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Posted on 01/18/2017 6:26 PM by Jarod
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Monday, 9 January 2017
Fun Winter Events for the Young and Young at Heart
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Don't get stuck inside on cold winter days! There are plenty of reasons to get out and about and enjoy all that the Middle Tennessee region has to offer. This is just a small sampling of fun on the horizon for kids, but there are plenty of other things to do around town to get us happily through the winter!

 

Brick Fest LIVE Lego Event
Sat. Jan. 21st  9 a.m. 6 p.m.
Sun. Jan. 22nd 9 a.m. 6 p.m.
Ag Expo Center, 4215 Long Lane, Franklin
$24.50-49.50;  2 and under FREE
Join Lego fans for building activities, demos, and games!
Brickfestlive.com

 

Paw Patrol LIVE!
Sat. Jan. 21st, 10 a.m. and 2 p.m.
Sun. Jan. 22nd, 1 p.m. and 5 p.m.
TPAC's Jackson Hall, 505 Deadrick St., Nashville
$19.50-57.50 
Your kids will squeal with delight to see their favorite Paw Patrol friends live on stage!
Tpac.org

 

Scott Hamilton's Learn to Skate Program
Saturdays beginning Jan. 21st, 1:30-2:30 p.m.
Smashville Outdoor Rink, 121 Fourth Ave. South, Nashville
$75 per lesson
Expert instructors will lace up to teach children and adults how to skate like a pro. Regular skating hours without lessons are Mon. Fri., 4-10 p.m; Sat. Sun. 12-2 p.m. through Feb. 20th. Cost with skate rental is $15 for adults and $10 for children.
Scotthamiltonacademy.com

 

Zoo Run @ the Nashville Zoo
Sat. Jan. 21st, 3-5 p.m.
Nashville Zoo, 3777 Nolensville Pike, Nashville
$40-50 for adults and $20-25 for kids 5-12
Join other runners for a fun run through places around the zoo that are not usually open to guests!
nashvillezoo.org

 

Healthy Family Expo
Sat. Jan. 28th, 1 4 p.m.
Rivergate Mall, 1000 Rivergate Pkwy, Goodlettsville
FREE
Kids can meet super heroes, jump on inflatables, and play games while parents visit healthy vendor booths.
Rivergate-mall.com

 

Father/Daughter Dances @ Williamson County Rec Centers
6:30-8:30 p.m.
Jan. 28th, Longview Rec Center, Spring Hill
Feb. 4th, Franklin Rec Center
Feb. 11th, Nolensville Rec Center
Feb. 25th, Fairview Rec Center
$18 per couple, girls ages 4-12
Daddies and daughters can dress up and dance the night away with a DJ and snacks!
wcparksandrec.com

 

21st Annual Summer Camp Adventure Fair
Sat. Feb. 4th, 10 a.m. 3 p.m.
Cool Springs Galleria, 1800 Galleria Blvd., Franklin
FREE
Come check out more than 75 summer camps and programs to keep those summer days filled with fun and learning.
Nashvilleparent.com/campfair17

 

"You've Got a Friend in Real Estate"

Jarod Tanksley 615.403.8265
www.BrentwoodandBeyond.com
Brentview Realty  615.373.2814

 

photo credit: freedigitalphotos.net by Radnatt

 

 

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Posted on 01/09/2017 2:19 PM by Jarod
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Wednesday, 4 January 2017
What to Expect on Closing Day
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I love being a part of closing day with my real estate clients. It's the day we get to celebrate all the work we've put into looking for the perfect new place each family gets to call home. Some of my clients get nervous because they're not sure what to expect, so it's my job to help calm their nerves, to prepare them thoroughly, and to point them toward the exciting part of this day. With so many homes selling in the Middle Tennessee area right now, I know there must be several of you who could use a refresher on what to expect on closing day so you can look forward to celebrating too!

  1. Call your Agent and Lender well before the closing date to make sure everything is nailed down to secure your funding. Most delays at closings happen because a bank is missing documents they need from the buyer.
  2. DO NOT. I repeat, DO NOT open up any new lines of credit for cars or credit cards or make large charges to existing lines of credit before your closing day. This can delay or cancel your closing. Use cash if you must make a large purchase not credit.
  3. Complete your final walk-through with your agent and make sure the seller has completed all agreed-upon repairs. If something has not been done, make sure to point it out to your agent so he or she can contact the seller and get everything squared away before closing day.
  4. Ask to see your HUD-1 Settlement Statement and compare it to your Good Faith Estimate to make sure there are no major discrepancies in the list of fees that you will be expected to pay at your closing. Ask questions BEFORE closing day.
  5. Review the entire process with your lender, attorney, and/or agent so you are informed and ready to sign papers. The entire process takes 1-1.5 hours, but it will go quickly and smoothly if you already have an idea of what you're signing.
  6. The day before your closing, compile everything you need to bring with you so you are not running around last-minute. Important things to remember are: IDs for each buyer, proof of homeowners insurance, inspection reports, your good faith estimate, and a cashier's check made out to the settlement company for all closing costs. (Wire funds are also permitted, but personal checks are generally not.)
  7. Last but not least, make sure everyone who needs to be there to represent you and your interests (agent, lender, closing agent, title company representative, and attorney if applicable) knows the time and place of this important meeting!
  8. Please make sure you have made arrangements for Utilities to be transferred into or out of your name the day of closing, unless transfer dates have been agreed upon by both parties in writing.

 

Closing day should be a fun day! I have years of experience in real estate closings, and I'd love to walk you through the entire process and celebrate with you as you take your keys!

"You've got a friend in Real Estate"

Jarod Tanksley

www.Brentwoodandbeyond.com

615.403.8265

Brentview Realty 615.373.2814

 

Photo credit: fantasista at freedigitalphotos.net

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Posted on 01/04/2017 8:22 AM by Jarod
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