East Tennessee Mortgage Rates
 
 

865-235-1520 Steve ALBIN  865-748-6216 Tina MOUNGER 865-803-4466 Trenna HAMILTON

The lending world has been turned upside down recently so you may want to double check that you can get mortgage financing for your new property. Also, if for some reason we get into a multiple offer situation you stand a better chance of getting the property if you have financing arranged.
 

 New THDA Stimulus Second Mortgage Program Effective Wednesday, April 1, 2009,THDA is implementing a new second mortgage program, THDA Stimulus Loan Program, for downpayment and closing cost assistance. This program will complement THDA’s existing Homeownership Choices incorporating the tax credit. In order to be eligible for the second mortgage program, THDA MUST be providing funding for the first mortgage through the Great Rate or Great Advantage programs for the borrower(s) to purchase the home. More . . .

Information About The Mortgage Loan Process. CLICK HERE

Home Mortgage Consultant

Vickie Williams

 (865) 558-8871
Fax: (865) 558-9438

Mobile: (865) 742-4505
 Email Me Directions  Web Site

109 Northshore Drive Suite 200 Knoxville, TN 37919

Apply NOW Online !!!

 

Bob Thompson 


8320 E. Walker Springs Ln Knoxville,  TN  37923 Phone: 865-691-8910 Toll Free: 800-489-8910

Fax: 865-691-7714 

 

"As Your Buyers Agent" We search for the best D eals For you.

UP To $10,000 of Purchase Price Back

Yes, It’s like putting money in your pocket, Up to $10,000* of your mortgage cost such as Mortgage Origination fees, Mortgage Discount Points, Home Insurance and Tax Escrow fees, Deed Recording Fees, Document Fees. Even if you have a 100% Mortgage you still have Fees associated with a Mortgage.. We Help Lower Your costs… It’s Like money in your pocket. *Lender Restrictions Apply. *Seller Assistance Required.  Qualified Properties CLICK HERE
 

RICHARD SWAN

Loan Officer/Mortgage Specialist

(VOL) 691-8910 Ext. #246

Web Site  Richards@migonline.com

 

Gary K. Spaulding

Senior Loan OfficerOffice:

941-575-2222

Cell:941-769-3805 Fax:  941-575-4826

Apply Now !!!! www.loansweetloans.net

loansweetloans@aol.com

Bearden (Main Office)
109 Northshore Drive, Suite 201
ph: 865-212-2344

A wholly owned subsidiary of BankEast Corporation,Mortgage Banker Curtis Mortgage Company, Inc Tim Kitts 865-684-2290 Call us for a Free Credit Report

Shopping around for a home loan or mortgage will help you to get the best financing deal. A mortgage--whether it’s a home purchase, a refinancing, or a home equity loan--is a product, just like a car, so the price and terms may be negotiable. You’ll want to compare all the costs involved in obtaining a mortgage. Shopping, comparing, and negotiating may save you thousands of dollars. Obtain information from several lenders  Obtain all important cost information  Obtain the best deal that you can  Remember: Shop,  compare, negotiate  Fair lending is required by law  Credit problems?  Glossary  Mortgage shopping worksheet
 

Our Guarantee to you. We will consult with you on an individual basis. We will explain every detail; answer every question, until you are ready to take the next step. We know buying or selling can be stressful. Our job is to make it as pleasant as possible!

 

How To Get The Best Mortgage Rates: First, make sure you are comparing current mortgage rates for the same type of mortgage. Mortgage rates and closing costs can change significantly from one day to another, so if you are comparing offers from multiple lenders it must be done on the same day. For example, if you are shopping mortgage rates and have a quote for a 30 year fixed at 5.75%, only compare it to other 30 year fixed quotes at 5.75%.

Next, compare the total of all points and lender fees for each mortgage (from section 800 to 813 on the Good Faith Estimate), that is the price of the mortgage. The lender with the lowest cost has the best mortgage rates.

If you are refinancing, you will also need to review the cost of title insurance, closing/attorney, and appraisal. Some large national companies have negotiated excellent rates for these services on your behalf. The company with the lowest combination of points, fees and third party costs for the same rate and product has the best mortgage rates.

Things to Watch Out For: APR is not always accurate, so it should not be used. To get the best mortgage rates, compare current mortgage rates and closing costs.

Good Faith Estimates are just estimates. Many brokers and lenders will give you a low ball estimate, and then after you have paid for your appraisal, they will inform you that the mortgage rate or closing cost have gone up. Look for lenders that guarantee their closing costs up front.

There is nothing wrong with No/Zero Closing Cost Loans. Just be aware that you will be looking at higher mortgage rates in exchange or if you are refinancing, the closing costs could be included in your principal.

Paying higher points and fees will result in lower mortgage rates. For example, at 7% you may have zero points and fees, while at 6% you may have points and fees of $3000. To get the best mortgage rates, you must estimate how long you will have the mortgage. Also, make sure you are comparing current mortgage rates when doing your comparison.

What are Closing Costs?: Closing costs consist of three main groups: third party costs, mortgage taxes & lender fees.

Third party costs are fees that you or the lender pays on your behalf for you to obtain a mortgage, including appraisal fee, credit report fee, title fee and attorney fee. When home refinancing review these costs carefully as some lenders may have lower costs.

 

Mortgage taxes will be exactly the same between all lenders, so they do not have to be reviewed.

 

Points and lender fees are essentially what the lender charges to originate your home loan when home refinancing and for a new home loan. Points and fees should be reviewed carefully.

 

Home Loan Pre-Qualification vs. Pre-Approval: While shopping for a home loan, brokers and lenders will offer to pre-qualify or pre- approve you for a mortgage. Home loan pre-qualification and pre-approval are different and distinct processes, so it is important for you to understand the difference.

Pre-Qualified: A loan officer or loan processor working for a mortgage lender or broker can typically pre-qualify you for a home loan within an hour. Getting pre-qualified for a home loan is a good first step that will let you know if you should proceed to the pre-approval process. To get pre-qualified you will need to complete a mortgage application and allow the broker or lender to pull your credit. They will review the mortgage application and your credit and let your know if you are pre-qualified.

Pre-Approved: Only a mortgage underwriter can pre-approve you for a home loan, loan officers and processors can not. Typically mortgage brokers do not have underwriters on staff, so they typically can not pre-approve your home loan. A valid pre-approval is the best tool you can have when shopping for a new home. The key is to ensure that it is valid. A valid pre-approval has been underwritten by an authorized underwriter (an underwriter is the final person that says your loan is approved). If an underwriter pre-approves your home loan application upfront, all you have to do is find the home you want, have it appraised, and then you should be able to close in just a few days. Some mortgage brokers and lenders will issue pre-approvals that have not been reviewed by an authorized underwriter, be sure to ask.

To get pre-approved for a home loan you will need to provide the underwriter with your income and asset documentation (W2’s, Bank Statements, etc). The underwriter will review your credit, mortgage application, documentation, and then approve you for a set loan amount and property value. Once you have been pre-approved for a home loan you are ready to start shopping. The process typically takes a couple of days.

Knowing exactly what type of home loan you can obtain will allow you to shop and negotiate with confidence. For example, you could inform a seller that you are pre- approved for the mortgage and you are prepared to close next week. If the seller needs to close quickly, it will not matter if there is another buyer that cannot close for weeks or months. Plus, sellers do not like to take their properties off of the market for long periods of time. The ability to close quickly is one way to get a great deal.

To get pre-approved for a home mortgage you will need to provide the underwriter with your income and asset documentation (W2’s, Bank Statements, etc). The underwriter will review your credit and then approve you for a set loan amount and property value. Once you have a pre-approved real estate mortgage you are ready to start shopping.

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State or State to Relocation Services Include Personal advocacy, home mortgage approval, title and legal document preparation, home marketing assistance, home inspection and appraisal coordination, household goods management, referral management, destination home buying counseling, home warranties and more all this for individuals.

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Selling of YOUR property totally structured around getting Your Property the most exposure in front of the most buyers.

Obtain information from several lenders Obtain all important cost information Obtain the best deal that you can Remember: Shop, compare, negotiate Fair lending is required by law Credit problems? Glossary Mortgage shopping worksheet Get a home loan Online or by phone.   CLICK HERE FOR Additional Information.

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865-235-1520 Steve ALBIN  865-748-6216 Tina MOUNGER 865-803-4466 Trenna HAMILTON

 Or on Line 24/7/365 KNOXVILLETNREALTYEXECUTIVES.COM  10255 Kingston Pike Knoxville, TN 37922 (865) 693-3232 Tennessee Real Estate License 255604 REALTYEXECUTIVESLANDOAK.COM   Realty Executives Associates 109 Northshore Dr. Ste 200 Knoxville, TN 37919 (865) 588-3232 Tennessee Real Estate License 257192 REALTYEXECUTIVESBEARDEN.COM Realty Executives Associates 3232 Tazewell Pike Knoxville, TN 37918 (865) 688-3232 Tennessee Real Estate License 255219 Realty Executives Associates 1213 W Lamar Alexander Pkwy Maryville, TN 37801 ((865) 983-0011Tennessee Real Estate License 254861 MARYVILLETNREALTYEXECUTIVES.COM   REALTYEXECUTIVESKNOXVILLE-TN.COM REALTYEXECUTIVESKNOXVILLETN.COM   Realty Executives Associates 190 North Purdue Oak Ridge, TN 37830 (865) 482-3232  Tennessee Real Estate License 255074   

REALTOR® -- A Registered collective membership mark that identifies a real estate professional who is a member of the National Association of REALTORS® and subscribes to its strict Code of Ethics. Inquiries regarding the Code of Ethics should be directed to the board in which a REALTOR® holds membership. Each Office is Independently Owned and Operated.

 
 

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