House of the Week: 1107 Lake Rise Pl, Gallatin

House Front

The galley style Kitchen has a tiled floor, maple finish cabinetry w/ polished granite counters, a full size pantry, is open to the casual dining area, and has stainless appliances that include a smooth surface stove, b-i micro, refrigerator, & dishwasher.

Kitchen

Large windows line three sides of the sunny Florida Room that has been beautifully finished with a bead board ceiling & wainscotting, stained, sealed and insulated floor decking, 2″ plantation blinds, a lighted ceiling fan, & a corner gas fireplace.

Kitchen

The peaceful Master Bedroom has an eye catching double trey ceiling accent with crown moulding. It also features 2 windows that overlook the parklike backyard, 2″ plantation blinds, and a lighted ceiling fan. The spacious room enjoys a chair rail and a large cased opening that frames a separate Sitting Area that enjoys lots of natural lighting from a double window. It’s a great spot to read, relax, or watch tv at the end of the day.

Master Bedroom

The tiled Master Bath has a deep soaking tub with window above for natural lighting, separate shower, water closet, walk-in closet, and a long, double bowl vanity.

Master Bath

The pie shaped lot provides for a huge backyard that accommodates a large bi-level deck, pool, patio, and lots of open green space!

Backyard

Extremely motivated sellers! They will entertain ALL offers!! Home shows beautifully with lots of updates in paint, tile and fixtures. Lender has just given permission for a short sale 1/24/14 and are ready to process docs quickly.

Take a virtual tour here.

Eileen GeorgeFor more information contact: Eileen George
Email: GEORGE@realtracs.com
Phone: (615) 300-5291

Website

New Year’s Resolutions for Your Home

New Year’s Resolutions for Your Home

With 2015 quickly approaching, you may be setting your own personal resolutions. From vowing to become healthier and work out, to promising that you’ll go get that degree you’ve been longing for, we all have our own unique goals for the new year. But every year, you forget about something important — your home! Be sure to make some goals for your home this upcoming year!

Plan For The Remodeling Project You’ve Been Looking Forward To

Have you been longing to redo your bathroom? Perhaps you’ve been thinking about repainting your living room. Whatever home remodeling project you are looking forward to, start planning for it in 2015!

bob-parks-realty-interior-design

When you plan ahead, you’ll have the opportunity to figure out your budget, style desires, and how long it will take to complete. Get excited about 2015 by planning out your home remodeling project.

Finally Get That New Furniture

Take a look around your home. Is it outdated and begging for a new look? A simple exchange of furniture can do the trick! In 2015, be sure to replace your old furniture that you’ve had for several years, with new and comfortable furniture that meets your style needs.

furniture-bob-parks-realty

Transform Your Outdoor Living Arrangement

During the warmer weather seasons in Middle Tennessee, all you’ll want to do is spend the day outside with friends and family. But if your backyard isn’t truly accommodating to outdoor living, you’ll have difficulty hosting an outdoor party or hanging out.

bob-parks-realty-backyard-new-years-resolution

In 2015, think about adding a patio, fire pit or other outdoor living options to your backyard to transform your entire outdoor living experience.

Think About Moving To a New Home

Has your family outgrown your current home? Are you tired of the floor plan and layout of your home? Maybe the neighborhood simply isn’t what it used to be. With that in mind, make your 2015 resolution to be a brand new home in Middle Tennessee. It’s time for you to own the home you’ve dreamed of!

Check out our wide variety of listings to find the perfect home for you and your family today!

Did You Know that Tennessee is One of the Best States for First-Time Homebuyer Help?

According to this article, it”s true!

 –

The Great Choice Loan Program offers a 30-year, fixed rate mortgage to first time homebuyers. The program is designed for low and moderate income borowers with satisfactory credit history buying moderately priced homes. For borrowers needing down payment assistance, a Great Choice Plus loan is available as a second loan. THDA approved lenders are able to assist first time homebuyers with qualification and application for a THDA loan.

 –

The New Start Loan Program is designed to promote the construction of new homes for low and very low income Tennesseans. The New Start Loan Program will be delivered through non-profit organizations (the “New Start Program Partner” or “Program Partner”) with established programs for the construction of single family housing for low and very low income households. The New Start Program Partner is responsible for selecting the homebuyer, determining eligibility, constructing the home, providing homebuyer education, originating and servicing the New Start Loan.

 

The Homeownership for the Brave loan program offers a below Factors such as preexisting conditions, health status, claims history, duration of coverage, gender, occupation, and small employer size and industry can no longer be used by affordablehealth.info companies to increase health affordablehealth.info premiums. market interest rate to qualified members of the United States military, National Guard, Veterans and some spouses. A 50 basis point rate reduction (1/2%) will apply to the Great Choice loan and may be used in conjunction with a Great Choice Plus downpayment assistance loan.

So don”t write off your financial ability to buy a home just yet! Check out the THDA website and see what your options are.

* Information about these programs was taken from each of their websites, which are accessible via the links.

House of the Week: 250 Spirit Circle, Manchester

hr1507258-21

Gotta be a 10! Immaculate! Super clean on large lot. Awesome hardwoods & tile floors. Large back porch. Lots of storage upstairs and very well maintained. Dead end street & a great walking neighborhood. This immaculate home has real visual appeal. The kitchen was designed for easy meal preparation and clean-up. You’ll find 3 bedrooms and 2 full baths in this home. Unwind in the luxurious tub after a long day at work. The casual comfort of rooms like this is another reason to make yourself feel right at home here. This attractive home is situated on a lovely, spacious lot.This 8-room, 3BD/2BA property is a must see.

 

This kitchen includes a microwave, dishwasher and gas oven.

This kitchen includes a microwave, dishwasher and gas oven.

 

This separate dining room is great for entertaining.

This separate dining room is great for entertaining.

 

This eat-in breakfast room is full of natural light.

This eat-in breakfast room is full of natural light.

 

 

 

Master Bath includes double vanities and a separate shower and soaking tub.

Master Bath includes double vanities and a separate shower and soaking tub.

 

The bonus room is a great place to relax.

The bonus room is a great place to relax.

 

This house has an attached, 2-car garage.

This house has an attached, 2-car garage.

 

 

 Take a virtual tour here, and view property details here.
Agent photoFor more information contact: Ronnie Edwards
Email: redwards@realtracs.com
Phone: (615) 556-8986
Website

Buying a Home? Legacy Home Loans gives you some helpful tips…

Legacy Logo_FINAL

How much money will you need?

As little as $500 in a savings account.  Generally, the more you can put down, the better loan you can get.  There are some 100% financing options, but it is always good if you can put down 5-20% of a home’s purchase price.  You will also have to account for closing costs which can range from 2-5% of the purchase price.  In many cases, the seller can pay the closing costs on your behalf.

 

What kind of credit score is required?

 

You should have three credit scores and most all lenders will use your score that falls in the middle.  Your middle credit score will need to be at least a 620 to qualify for a fair home loan.  The higher your score the better loan you can get.  Scores range from 350 to 850 and anything over 720 is really good.

 

What else will you need to provide?

You must have a qualifying income from a job, disability or retirement. The goal is for the monthly payments on your credit report plus your new mortgage payment to equal 45% or less of your gross monthly income.  This is your income before taxes and other deductions are taken out.  You will also need:

 

  • 30 days of most recent pay check stubs

  • Previous 2 years of full tax returns and W-2 or 1099 forms

  • If you are a W-2 employee it is not necessary for you to have had your job for a full two years and in some cases you may only need 30 days of work history.  If you will receive a 1099 for your job, are self-employed, or paid more than 25% of your income as bonus or commission then it will be more difficult for you to get a mortgage without 2 years of work history.

  • 60 days of recent full bank and/or retirement statements showing your saved funds

  • Name and number of your preferred insurance agent

  • Copy of your driver’s license

 

How does the process work of actually closing on a new home loan?

Great question!  In summary, you will first talk to an honest lender (pick me!) and allow him/her to take a simple loan application which should only take about 15 minutes.  Within 24 hours the lender will call you back and, if approved, send you a pre-approval letter.  At this point, you can begin the house search with your Realtor.  You find a home, negotiate a contract, and set a closing date that is usually about 30-45 days away.  Your Realtor will give a copy of the contract to the lender.  The lender will call you to lock in an interest rate and make sure you are clear on the monthly payment and amount that will be needed at closing.  You then sign some loan disclosures and provide the information listed above along with anything else the lender may require.  An appraisal and title work are ordered for the home and the file is then submitted to an underwriter.  This person reviews all of the information and makes any additional requests to make sure that the loan meets all of the pertinent guidelines.  Your lender will call you to request some final conditions of the loan.  You will turn in these items as soon as possible to satisfy the underwriter.  At this point the file is reviewed one final time along with the appraisal to make sure the home is worth what you have agreed to pay for it.  Ideally, a “clear to close” is issued by the underwriter which means that closing paperwork can be sent to the title company.  Your lender will contact you to confirm the closing date and time and ensure the monthly payment and amount needed at closing are in line with your expectations.  From that point, you show up at the closing with your money (cashiers check) and sign about 50-100 pages. Now you own your very own home!

10 Commandments When Applying for a Mortgage

 

  1. Thou shalt not change jobs or become self-employed

  2. Thou shalt not buy a car, truck, or van…unless you plan to live in it.

  3. Thou shalt not use credit cards for anything out of the ordinary or let payments fall behind

  4. Thou shalt not spend the money you saved for a down payment

  5. Thou shalt not buy furniture or appliances before you close on your home

  6. Thou shalt not allow anyone to pull your credit

  7. Thou shalt not deal in cash or make any large deposits into your bank account (payroll okay)

  8. Thou shalt not change bank accounts

  9. Thou shalt not co-sign for anyone

  10. Thou shalt not purchase ANYTHING until after the closing

Buying a house can be so much fun and an unforgettable life accomplishment.

 

Shawn Meehan
Mortgage Loan Originator
MLO License No. 113205
NMLS ID No. 658750
www.mylegacylender.com

Four Free Apps for Travelling Like a Local

Who needs travel guides anymore? Plan a great vacation off the beaten track of tourist traps by relying on information from locals about where they like to hang – all via handy mobile apps! There are many more, but here are four suggestions to get your started on your next great adventure!

1. Like a Local

Like a Local

According to its website, “Like A Local Guide is about finding those cool and cozy spots that locals’ like to hang out at and missing the tourist traps. We have built this awesome web site and a mobile app where the travel tips are being created by well-selected local editors of each city who know what they’re talking about.” Each recommendation comes with the sections “Why locals love it,” “Why you should visit it,” and “Special tip.”

 

Download it here.

 –

2. Time to Enjoy

TimetoEnjoycomp

This app searches for local events – but only those that fit in your schedule according to your smartphone calendar. It also has a social component which tells you what your friends who also use the app are planning to attend.

 

Download it here.

3. LocalMind

LocalMind

This app gives you the options to pose your own questions to real locals. It takes information such as locals who have checked in places on other apps like Foursquare and delivers your question straight to them. You can also send general questions to local experts about what cool events are happening when you’ll be in the area.

 

Download it here.

 –

4. Field TripFieldtripcomp

 

This Google-produced app is like a local tour guide that lives in your smartphone. It pulls information from local publications about exciting and interesting events, and also works by GPS, popping up information about certain landmarks, restaurants, bars, live music, etc as you approach them.

 

Download it here.

To discover more apps like these, check out this Mashable post.

House of the Week: 3846 Old Manchester Hwy, Tullahoma

 

Front of the house

 

This move-in ready and very well maintained 3B/1.5BA home sits on a beautiful 2.3 acres. Some repairs and updating have already been done and the roof, insulated windows and heat pump are less than 10 years old. Other features include a 2-car detached carport and 1-year-old carpets.Ball Gown Prom Dresses
This property is a must-see!

 

picture-uh=53d5efc7822d089ffbb34e6b0f519c-ps=5b4a2f55b2163650d7bda1cddafb9b82

 

There’s lots of space for storage in the clean, Plus Size Prom Dresses
efficient kitchen.

 

hr1485177-7

 

picture-uh=4f323361b5c218737ace95b304f8d44-ps=69b9d2f0ad43ab67210201e17a739d5

 

Imagine relaxing in the backyard on a pleasant afternoon.

picture-uh=ebc6ccc105023acfc88389fe778afa3-ps=b0db851964d87395cd909b247476acd

 

 

Take a virtual tour of the property here.

agt_298_62067For more information contact: Ronnie Edwards
Email: redwards@realtracs.com
Phone: (615) 556-8986

Website

The Pros and Cons Of Real and Fake Christmas Trees

The Pros and Cons Of Real and Fake Christmas Trees

Deciding between a real or fake Christmas tree can be a very long debate. Some families grow up using only fake trees, while others cherish the beauty of a real Christmas tree. This begs the question, which is better than the other? Check out the advantages and disadvantages of owning each type of tree.

Maintenance

In addition to the lights, ornaments and additional decorations you hang on and around your Christmas tree, your real tree will require quite a bit of maintenance. You must make sure that your tree is healthy, pruned, and thriving. From constantly cleaning up the shedding needles, to making sure it has a constant supply of water, maintaining a real Christmas tree is a bit exhausting.

In addition, real Christmas trees are known to make messes if improperly cared for. From water stains to drying out and becoming a fire hazard, your real Christmas tree will require an extensive amount of care.

On the contrary, artificial Christmas trees require very little to maintenance at all. All you have to do is set up the Christmas tree, decorate it, and enjoy it all season long.

fake-christmas-tree-bob-parks

Aesthetics

In terms of appearance and atmosphere, the real Christmas tree wins by far. No matter how hard you try to make a fake tree look and smell authentic, it can never compare to the real deal! If you want a truly unique and classic holiday season, you may fare better with a real Christmas tree.

real-christmas-tree-bob-parks-realty

Transportation and Cost

When choosing between a real and fake tree, you need to consider transportation. Real trees require a bit of effort when transporting from the farm to your home. In addition, getting the real tree through your door can be a bit of a hassle as well! With a fake tree, you’ll be able to transport the box and tree with any type of car. Plus, getting it through the front door is no problem.

Cost is another factor to consider when debating the type of tree. Should you prefer a real tree, you’ll have to purchase one every single year. With a fake tree, all you’ll need to do is purchase a tree and enjoy it year after year.

Disposing of The Tree

After Christmas is done and over with, what do you do with your real tree? Finding the time, place and method of tree disposal is an exhausting process. Many families elect for the eco-friendly option and either replant or recycle their tree. With an artificial tree, all you have to do is put it away for next year!


What type of tree do you prefer?


6 Tips for Furnishing Your New Home

Thread Count1. It’s better to spend a little more money now on quality linens and towels – not only are they more comfortable, but they will also last longer than the cheaper models. You will probably end up saving money in the long run. This can also be applied to quality mattresses, sofas and dining room tables.

 

Living Room Idea3. You don’t have to buy everything at once. Let yourself get used to the space and feel what is right. And rooms don’t have to copy each other from one house to the next – if that couch fits better in the master bedroom than the living room, let it! If you’re looking for a place to start, begin where guests will be – there are doors to your bedroom and that extremely stuffed closet for a reason.

 

Second Hand Furniture3. Second hand is not second best! Lots of people get rid of lightly-used furniture that would look great in your new space, and at a fraction of the price you would pay in a store. Check yard sales, auction houses and thrift stores, or even just ask around – maybe one of your friends or family members have things they would love to get rid of taking up room in their attics.

 

 

 

Hanging Art4. Instead of spending hundreds of dollars on frames, try some of these tips on how to cheaply display your art.

 

 

 

 

 

Command Hooks Organization5. Get your stuff off the floor using command hooks or door hangers – it’s amazing how much floor space this will create.

 

 

 

 

 

 

Donation Box6. Before you move, do a massive spring cleaning of your possessions. If you haven’t touched it in over a year, you’re not going to ever again. And if you have a garage sale then that money can go towards something for the new place!

 

 

 

 

House of the Week: 1824 Mosaic Trail, Murfreesboro

front of house

This beautiful house is like a dream. Here’s a gorgeous home with a terrific, open floorplan. The fabulous kitchen features a large, walk-in pantry. You’ll find 5 bedrooms, 3 full baths and 1 half bath in this home. Dual sinks and a vanity area make this a superior bathroom. The large, covered patio area makes cooking a breeze. Escape to the yard where you will find enough space for fun and friends

 

A specious living room with a vaulted ceiling greets you as you walk in the front door.

A spacious living room with a vaulted ceiling greets you as you walk in the front door and through the foyer.

 

The roomy kitchen has a breakfast nook and walk-in pantry.

The roomy kitchen has a breakfast nook and walk-in pantry.

 

The coffered ceiling adds form and visual balance to the dining room off the front entryway. This cheery room is a wonderful place to spend your family meals.

The coffered ceiling adds form and visual balance to the dining room off the front entryway. This cheery room is a wonderful place to spend your family meals.

 

The extra-large master bedroom has an attached sitting room.

The extra-large master bedroom has an attached sitting room.

 

The beautiful and large master bathroom and features a soaking tub and double vanities.

The beautiful and large master bathroom features a soaking tub and double vanities.

 

The spare bedrooms in this house are also very large.

The spare bedrooms in this house are also very large.

 

Sitting in this cozy den is a great way to relax at the end of the day.

Sitting in this cozy den is a great way to relax at the end of the day.

 

This house also features an inviting covered patio with landscaped privacy that opens into a large, welcoming backyard.

This house also features an inviting covered patio with landscaped privacy that opens into a large, welcoming backyard.

 

 

 

Take a visual tour of the property here, or visit the website.

 

Jama FrancisFor more information contact: Jama Francis
Email: JFRANCIS@realtracs.com
Phone: (615)207-1643

Website