Buying a home has many benefits... but now you may receive a tax credit!
Purchase a home between January 1, 2009 and April 15,2009 you have the option to claim your $8,000 credit on the 2008 return due on April 15.
To Qualify for the Tax Credit you must...
You can not receive the tax credit if...
Contact me @ brenda@imsiloans.com
and
I will send you the Freqently Asked Questions & Summary of Tax Credit
I am a Realtor & Lender so I can anwer any questions you may have about purchasing a home, Selling a home or financing a home. I look forward to hearing from you!
Brenda Tressler
Realtor/Lender
(931) 206-1907 Cell
Buying/Selling a home is a complicated transaction that includes many legal forms required to comply with the law. 
Real Estate Professionals spend hours in class to keep up-to-date on the changes so they can provide the best service and protect their Buyers and Sellers.
Even with all the information on-line it is difficult for non-professionals to completely understand and comply with all the required documents for selling a home.
I have seen many Buyers disappointed when they purchased a home from a for-sale-by-owner.
I hope that this series will help you avoid many pitfalls and give you a quick reference to some of the required documents.
Disadvantages of Buying a home from a for-sale-by-owner:
Pricing: many times the home is over priced
Terms: Many times sellers are less willing to negotiate
Property Condition: many times it is unknown
Contract: many times is not complete and/or one sided in favor of the Seller
If you click on the highlighted area you will find a detailed report.
Good Luck with your new home purchase...
if you have any questions feel free to contact
Brenda Tressler
Click here for answers to your home buying/selling/financing questions.
Brenda Tressler
Loan Officer
Integrity Mortgage Services
(931) 206-1907 Cell
(931) 905-6900 Office
"Let me be your friend in Financing"
Pricing a home to sell is one of the toughest jobs... to decide on the correct price you must know the 
current and local market.
Many home owners put years of hard work and money into their homes; it is very difficult for them to be objective when setting a sales price. Home improvements do not always have a dollar for dollar return... Pricing a home for sale depends on what has sold recently and what is similar to the home being sold.
Sellers normally do not have the data to make a good sound decision. Many times a for-sale-by-owner will disagree with a Realtor and price their home higher than comparable homes in that area.
If you are a Buyer and new to the area then many times you will not know you are paying more for a home than it will appraise for.
If your contract does not have a contingency stating "the property must appraise for the sales price or higher" then you may be required to pay out of pocket for the difference.
A Buyer does not pay a Realtor for their service but having a Realtor represent you can pay you in the long run... by saving you thousands of dollars.
A Realtor can advise you on pricing a home, negotiate a good deal and insure the contract protects your interest!
Good Luck with your new home purchase...
if you have any questions feel free to contact
Brenda Tressler
Click here for answers to your home buying/selling/financing questions.
Click here to return to part 1
Brenda Tressler
Loan Officer
Integrity Mortgage Services
(931) 206-1907 Cell
(931) 905-6900 Office
"Let me be your friend in Financing"
The condition of the property is one of the most important factors deciding ... did you get a good deal!
Buying a home is so exciting but many buyers get caught up in 
the cosmetic appearance of a home. It is the bones of the home that will determine how much it will cost you to maintain your home.
In Tennessee a Seller is required by law to fill out a "Property Condition Form". Many Sellers do not know this is required by law and many For-Sale-By-Owners do not meet this requirement.
This form is the seller telling you about any defects in the property, changes made such as additions, the age items such as roofing, heat & air and any upgrades.
A Realtor will require this form to be filled out completely and correctly plus you have an extra eye to keep you focused on the whole property not just the nice paint.
Also a Realtor has been in hundreds of homes and can point out things you may over look. Again, having a professional on your side is alway good.
I always suggest you hire a home inspector... they will give you adetailed report on your new property. This is another contingency you will want in your contract.
Good Luck with your new home purchase...
if you have any questions feel free to contact
Brenda Tressler
Click here for answers to your home buying/selling/financing questions.
Click here to return to part 1
Brenda Tressler
Loan Officer
Integrity Mortgage Services
(931) 206-1907 Cell
(931) 905-6900 Office
"Let me be your friend in Financing"
The terms of the contract is what will determine how much you will pay for your new home, when you will close and who will pay for what services. 
Each area of the country has different normal terms for real estate deals. Some areas the Seller pays everything; other areas the Seller pay for nothing. The type of loan you are getting also determines who can pay for what and often restricts or limits what can be charged and who is paying.
This is where you need to do your homework and find out what is normal for your area. Why agree to pay for everything if the Seller is willing to pay some of the closing costs and your loan program will allow it.
Again, a For-Sale-By-Owner is trying to make the most possible from their investment; so normally they will not offer to pay for closing costs and/or repairs. But with the right negotiations you may end up with a Seller paying some or all of the closing costs.
I am not saying stay away from For-sale-by-owners but I am saying be cautious and make sure you have a professional on your side. Negotiate for your best home & deal... be a happy home owner!
Good Luck with your new home purchase...
if you have any questions feel free to contact
Brenda Tressler
Click here for answers to your home buying/selling/financing questions.
Click here to return to part 1
Brenda Tressler
Loan Officer
Integrity Mortgage Services
(931) 206-1907 Cell
(931) 905-6900 Office
"Let me be your friend in Financing"
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Brenda Tressler (Realtor/Lender) I specialize in customer care for all your loan & real estate needs in the Ft. Campbell / Clarksville area. "Let me be your friend in Real Estate & Financing"
I work too hard and care too much... and that is why you should contact me!
I just called a customer that I am working with that lives out of state and I asked her ... why did they chose me?
Katie was so kind... she said "that they were expecting someone that was business only but found that I was open, friendly and caring." She said "I was easy to talk to, dependable and most important she felt that she could trust me." Wow... I always try my best to take care of each customer like they are my family but to hear these kind words I was overwhelmed. Thanks Katie!
Let me introduce myself...
What can I say I am honest & hard working. I am a mother of two girls and a grandmother of three. They are my pride & joy plus I LOVE just being with them.
My husband is retired military and we have lived in Korea, Germany, Ohio, Indiana, Maryland and Tennessee. I understand the stress of moving with family and pets in tow. This is why I understand your needs and will do everything possible to make your move easier and stress free. 
We now live on 18 acres with our dog Chappie... I enjoy the country life and being outdoors.
My customers normally become my friends because I truly care.
I am available when you need me even nights & week-ends and I promise to always return your calls or e-mails.
I have been in the Real Estate/Mortgage business since 1995; I have experience in all parts of the real estate/loan process. That is why I can truly tell my customers what to expect and how to avoid potential problems.
I found my heart is in helping people! I find great pride in working with people to find their dream home. I truly believe everyone should be able to purchase their own home.
So please make my day and choose me to assist you with your new home! Thank-you for taking the time to visit and good luck in what ever you do!
Best Wishes,
Brenda Tressler
Superior customer service is my priority... if you are buying or selling a home!
I can assist you with your financing and all your real estate needs ...
Starter Homes: First-Time Home Buyers:
First let me say thank-you to all my past first-time home buyers! To be part of one of the most exciting times and one of your largest investments of a customer's life; it is a true honor. I take special care to insure that my first-time home buyers are not overwhelmed by the piles of paperwork and foreign terms. I've been there and know how confusing this process can be, so I will always insure you understand what & why of everything you do. I promise that I will go to the closing with you (as long as you are in the Ft. Campbell, Clarksville, Dickson & Nashville area).
I promise to...
Empty Nester's: Downsizing:
I'm there, so I understand that you need to sell that larger home and move into one that fits your lifestyle now. This process is normally complicated by the fact you own a home (which you need to sell) but want to make sure you find a home you like before you commit. I can save you money on your current home closing/commission and insure you receive a great deal on your new home. Many times we can have same day closings for both; this way you are never homeless. I will work closely with all parties to keep this as stress free as possible.
I promise to...
Moving up Buyer's: Need a larger Home:
This is an exciting time; you know what you want in a new home. I can offer you financing options; this way you can decide if you sell your current home or take advantage of having an investment properties and I can tell you from my personal experience the good, bad & ugly of investment properties.
Investors: Buying for the long/short term Investment:
Many people are in this category; all the above and the individuals who want to acquire several investment properties. Again, because I have owned investment properties I can tell you from my personal experience the good, the bad & the ugly of investment properties. I will sit down with you and discuss your goals; such as how many properties you want to own, type of properties (commerical, land, single family or multi family homes) and location. Together we can plan how to acquire the properties and financing options. The Ft. Campbell / Clarksville area is a great place to invest; even in todays market properties are selling with a profit.
Military Loans: VA Home Loans:
If you have ever served in the military then call me! I will be honored to assist you in using one of your best benifits. Clarksville is just outside Ft. Campbell, KY; so we process hundreds of VA loans... I am here for you and to answer all your questions.
Feel free to contact me if I can assist you in any way. Let me say THANK-YOU for all you & your family have given! Listed below are some common questions & concerns.
I am not sure if I am eligible for a VA Loan... If you have ever served in the military as Active Duty, National Guard or Reserves you may qualify for a VA Loan. Contact me at brend@imsiloans.com or call me at 931-206-1907 and together we can find out if you are eligible.
I can only use my VA eligibility once... not so you can use your VA benefit over & over. You may even be eligible to purchase a second home using the same eligibility with bonus entitlement; if your first home was under $144,000.
What type of property can I buy with my VA Entitlement... you can buy a home in which you, and/or your family, intend to live in. This means a single family home, an apporved condo or it could be a multi-family unit (up to 4 units) as long as you will occupy one unit. You may even purchase a home with land as long as the house has most of the value. (I have financed up to 40 acres with a nice home using VA Loans)
Matthew: A Sergeant, U S Army, Ft. Campbell, KY writes...
"Brenda Tressler was welcoming from the start. Being in the Army I have limited time off. She took my phone calls and office visits when it was convenient for me, and kept me updated on the status of my loan application. I have already recommended her to several friends who are also looking to buy houses soon. Brenda was patient in fielding my questions, offered helpful information rarely given by other mortgage brokers (in my experience), and in the end gave me the best deal possible. She went to bat for me until the lenders gave me the rate I was comfortable with, and she was instrumental in processing my loan faster than normal. What more cold a home buyer ask? Brenda is tenacious, professional and personable. When I purchase my next rental property, I am taking my business straight to her."
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