It would be helpful if you could provide a little more information about what you're looking for -- price range, number of bedrooms, etc. All of the paperwork that you mentioned can be found at http://www.usda.gov/wps/portal/usda/usdahome.
I would love to help you search for homes and put you in touch with a lender, who can help you through the USDA loan process.... more
I have helped many families purchase homes through this program. It is a great program for people that have got back on the right track. I know all the details about the program as we have been offering it for over a year now. You are welcome to contact me and I will be happy to let you know if you can get approved for the loan.
For mortgage help, call (855) 893-1177 or email for a free pre-approval in less than 10 minutes. We lend our own money and are licensed in 49 states and you can apply online at http://www.myccmortgagebn.com. We can do: FHA, Conventional, USDA, VA, HARP, Interest Only, Home Equity, Fixed, and Variable. Find out which product is right for you by calling Brad at (855) 893-1177.
Crosscountry Mortgage Inc.
Phone: (855) 893-1177
NMLS# 948036... more
There are several neighborhoods that meet this criteria. Can you define newer? Also, would you rather be in a single family or town home? Feel free to answer here or contact me through my profile.... more
It depends on how long your foreclosure has been removed. There are local banks that may be willing to do an in house loan on that, but there are so many different circumstances and lots of different things that banks look at. If you have any further questions, please feel free to contact me or a member of Team D.A.R.E. at 615-867-3020.... more
I would say most programs start at 620 and although there are some banks may do it at 600, there may be some high cost in doing so. It would probably be better to save the cost and work on raising your score to around 640 in order to get a better interest rate. Should you have any more questions, please feel free to contact me or a member of Team D.A.R.E at 615-867-3020.... more
One of the best ways to protect yourself from a storm is to have plenty of notification that the weather is getting bad, especially in the middle of the night when you are asleep. There are several apps available for your smart phone, one of which is the stormshield app. You can also invest in a NOAA weather radio that will alert you of storms.
Other than a basement, a storm shelter is a good investment to make in order to keep your family safe during a storm. Storm shelters can be put in under the garage floor or somewhere on your property.
Should you have any additional questions, please feel free to contact our office and ask for Tommy Davidson or another member of Team D.A.R.E. at 615-867-3020.... more
Rutherford County has a very diverse and interesting population. You'll note that not many (actually any) realtors jumped at answering this question. Ethically, "steering" a client into a particular neighborhood is illegal. However, yours is a great question.
Realtors will be happy to show you homes that reflect the specific characteristics of a home: number of bedrooms, age of the home, rural v urban, price range, etc. From there, I always recommend that my clients go view the home, talk to the neighbors, do some online research into the demographics of the area for themselves. Or do an online search for different kinds of restaurants, markets, churches, etc. That will give you a great idea of the cultural influence in the area.
As for me, I love the diversity that Rutherford County has to offer! One of the many benefits I believe for being in an area with so many universities. Particularly today as I'm watching Vanderbilt leading in the BBVA Compass Bowl. Go 'Dores!... more
John Burke is absolutely correct. There are several ways to get your home refinanced while still in Chapter 13 or even after it has been discharged, so long as it was not discharged due to non-payment. Also, if you use a Fannie, or Ginnie Direct lender like Cross Country mortgage, there may not even be a minimum required credit score.
There are are other ways than just using Realtors as well.. I can help you sell the home as a For Sale By Owner. We have various tools at our disposal including open houses and top of the line web marketing. Feel free to give me a call for a no cost, no obligation consultation.
Travis at Cross Country Mortgage
No. I wouldn't sell unless it was for a specific reason. All you will do is churn taxes. Owing that little should mean you can:
1) finance to low rates if you have not already. 2) live in the home with low payments if you wish,
3) rent with position cash flow if you want to live elsewhere
4) sell it when ever you have sound reason to do so.
You're in a strong equity position which gives a patient person lots of options and opportunity.
An honest answer? Time will tell! This area has been moved from the Blackman Schools Zone to the Stewarts Creek Zone. Personally once Stewarts Creek is in session and people start talking I think it will be a good place to buy, sell, and rent. What they need to remember is some of our best school leaders have been moved there to get things up and running. One of the Assistant Principals from Blackman High School will be the Principal there I believe! So, I say go for it!... more
I have the same opinion as Bill. I verify all of my listings through the City and County websites also, but some agents do not. Some look at listings that are already in the system and assume that they are correct and sometimes they are not. I also encourage buyers to verify for themselves also.... more
If you signed a Buyer Agency Agreement you need talk to that Realtor about your concerns and perhaps they will release you from that Agreement. None of us want to have a relationship with someone, business or not, that is strained. However, in your Realtors defense... there are a lot of buyers out there right now negotiating for the same property and if we have no idea what the other party is negotiating. We can only work with the offer YOU have ask us to negotiate with the offer price YOU have requested us to present. When you say BID I have to think maybe you're bidding on a HUD property. That is always a challenge because we aren't even dealing with another Realtor...It's a Intity. I put 4 bids in on 4 different properties for one client and lost all 4 with a full price cash to close offer that could be done in 2 weeks or less. Finally we found an Exclusive Right to Sell and it was done within a month. He moved in last week!... more
You should be able to qualify for THDA program which gives you money down on the purchase. RD loan is a similar program for more rural areas. Your credit score and salary are in line as long as you do not have to much debt (loans, credit card).... more
If you are dealing with a major builder it's much easier to negotiate into your package upgrades at a decreased cost or no cost at all. This is often the case because these companies usually have many of these products stored and waiting to be used. In the majority of cases, most upgrades are over priced and can afford being negotiated downward.
In the case of smaller independent contractors with one or two jobs going on at once, it's likely going to be more difficult to get them to embrace additional cost because they can't operate in the same manner as the larger companies.
It's been mentioned previously but is important enough to be brought up again. many buyers of new construction under estimate the importance of having an experienced agent in their corner...not just the representative that is being paid by the builder.