DORIS FREEMAN Realtor Hendersonville-Nashville

We've all seen the papers about so many foreclosures, HUD foreclosures, bank foreclosures, it is definitely unfortunate, but it's also an opportunity for BUYERS.

You've also seen the ads, Handy-man Special or Great Fixer-Upper, needs tender loving care, or maybe NO FHA contracts because it needs to many repairs.

You also know the catch-22, the bank won't lend you the money to buy the house until the repairs are done

and you can't do the repairs until you buy the home, and you don't have the donwpayment, closing cost

money and enough money to do the repairs. Well, if you want to get that great house at a great price, its

time to find a Buyers Representative with Rehabilitation Mortgage Experience that knows which lenders

do these loans and how they work and how to make it work, (there are Very Few of both around).

There is a government insured program that has been around for years that is available to the homebuyers that intend to occupy the new home. Its an easy program nad of course you must be able to qualify for the loan as you would any other governament loan.

This program is available to anyone regardless of age, so if you are a senior and need to remodel for disabilites, this program can be used for a refinance.

Under this program you may finance up to $35,000 in improvements to the property, including but not limited to:

Repair or Replace: Windows and Doors - Roofs - Gutters - HVAC units - painting - waterproffing basements - septic or well - Purchase appliances, Remodel for persons with disabilities - weatherization - remodel kitchens - and many more...

You may purchase HUD forclosure homes including one that states it is uninsurable, provided the repairs qualify as eligible work items.

If you have been discouraged about purchasing a home that needs repairs, either by a real estate agent, lender or otherwise. STOP, don't listen, you can do it, yes it will mean a commitment from you to get your loan in order, with of course help from our team, there is additional effort and paperwork to be done, but isn't owning a home or your own at a great price worth it?

Remember, Don't Procrastinate Don't Wait...Buy Now...

--- prices, even in a slow market rise faster than you can raise your credit score,

or save an extra few thousand for a down payment ---

- Doris Freeman - Broker - ABR - Realtor - 615-438-3221

- Sherri Smith - Realtor - 615-557-2070

"TEAM MOTHER DAUGHTER"

of Reliant Realty

E-Mail: dorisandsherri@yahoo.com

Website: http://www.homesintennesseeforsale.com

THDA - Tennessee Housing Development Agency has a plan that may help homeowner's.

According to a memorandum sent to All THDA Originating Agents on September 29,2008.

BEGIN QUOTE

"EFFECTIVE WEDNESDAY, OCTOBER 1, 2008, THDA WILL IMPLEMENT A NEW MORTGAGE CALLED GREAT SAVE. TO QUALIFY FOR THIS REFINANCE LOAN, THE MORTGAGE LOAN TO BE RE-FINANCED MUST BE AN ADJUSTABLE RATE MORTGAGE (ARM) LOAN MADE AFTER DECEMBER 31, 2001 AND BEFORE JANUARY 1, 2008, THAT, AS DETERMINED BY THDA, WOULD BE REASONABLY LIKELY TO CAUSE A FINANCIAL HARDSHIP TO THE BORROWER IF NOT RE-FINANCED ("QUALIFIED ADJUSTABLE RATE MORTGAGE LOAN"). THIS PROGRAM WILL EXPIRE DECEMBER 31, 2010."

END QUOTE

This program will not save all Tennessee homeowners in trouble, but for a great number of people facing problems with their mortgage it may be the program that saves the day.

It will help stabilize the lives of those with outrageous adjustable-rate-mortgages, with a 30 year fixed rate loan, and save them from a foreclosure.

Any person who would like additional information about this program, please feel free to contact us at the numbers below or e-mail.

DORIS FREEMAN - SHERRI SMITH

615-438-3221 - 615-557-2070

dorisandsherri@yahoo.com

If you would like information on buying homes under the THDA program, please feel free to contact us, we service all of Middle Tennessee and love to work with first time home-buyers.

"TEAM MOTHER-DAUGHTER"

of Reliant Realty

FOLLOW-UP October 7, 2008

Since I originally posted this blog (less than a week ago), I have had an enormous amount of phone calls and e-mails, after referring them to a lender that specializes in government loans, I have found that many are NOT qualified for various reasons.

This means to many, that they will need to sell their home before foreclosure. This is a very stressful and confusing time in someones life.

My daughter and I have decided that we need to help persons in this situation and the only way we can do that is offer anyone a Full Service Listing at a Discounted Price, with no discount in services.

We realize that no one wants to have to sell their home, but in life it does happen so with a sad heart we are offering our services to you, with a promise that we will do all we can to assist you in your current situation.

Feel free to contact us for a private non-oligatory meeting to discuss your situation, your privacy is quaranteed. Please mention THDA Great Save when you call.

Thanks and Best Wishes to All

DORIS FREEMAN - SHERRI SMITH

615-438-3221 - 615-557-2070

dorisandsherri@yahoo.com

Pumpkin Time in Tennessee is always great fun and marks the beginning of fall colors.

You can find a Tennessee Pumpkin Patch

in almost every County in Tennessee.

Sumner County Farms has at least 7 that I know of.

The age old QUESTION, how do I pick a pumpkin that will last? Here are a few tips.

Look for a pumpkin that still has it stem and if possible is green and is firmly attached, preferably 1-2 inches long. If the stem is missing or brown it may already be beginning to break down.

Don't buy one that has soft spots, mold or warts, yes pumpkins get warts, they are caused by a virus it doesn't affect us or the fruit, it just won't last as long.

If you paint rather than carve, it will last much longer also.

If you are looking for a great way to spend quality time with the family an afternoon at one of the many Pumpkin Patches should be your destination.

They have a lot of unique outdoor fun and an atmosphere where families of all ages can relax and enjoy the great outdoors together. Some of the activities you can find at various Pumpkin Patches are Corn Mazes, Fall Festivals, hay Rides, Cow Trains, Barnyard Animals, Picnic Areas, Gift Shops, Petting Zoos, Playgrounds..

To find out where some of the Tennessee pumpkins are you can visit:

www.PickTNProducts.org

"TEAM MOTHER DAUGHTER" - "doris and sherri" -

Or go to: http://www.homesintennesseeforsale.com

Or E-Mail: dorisandsherri@yahoo.com

Doris Freeman - Sherri Smith

615-438-3221 - 615-557-2070

of Reliant Realty -615-859-7150

If you are considering buying or selling Real Estate in Sumner, Davidson or Wilson Counties, call "doris and sherri", they are true professionals and can assit you in your Hendersonvil Search for Homes, or if your looking for Gallatin Houses for Sale, they have Nashville Houses for Sale and don't forget to look in Madison-Goodlettsville Houses for Sale.

Good News for Tennessee.....

This appeared in the Tennessee Association of Realtors 9/30/08 Digest.

2. It's Affordable in Tennessee!

Among all of the negative news stories that crossed our desks last week, one news item actually was a "win" for one Tennessee city:

*** BEGIN QUOTE ***
The cost of buying and maintaining a home is pretty reasonable if you live in certain Midwestern or Southern cities, according to Forbes magazine's new report.

To determine America's least expensive places to own a home, Forbes used data from the U.S. Census Bureau's 2008 American Community Survey, released Tuesday.

The survey reported the 2007 median monthly housing costs in the country's metro areas with a population over 65,000. Housing costs include monthly mortgage payments, real estate taxes, various insurances, utilities, fuels, mobile home costs and condominium fees.

Here are the top-10 cheapest cities to own a home:

1. Cleveland: $978 a month
2. Columbus, Ohio: $1,060 a month
3. Pittsburgh: $1,187 a month
4. San Antonio, Texas: $1,216 a month
5. Indianapolis: $1,232 a month
6. NASHVILLE: $1,256 A MONTH
7. New Orleans: $1,296 a month
8. St. Louis: $1,299 a month
9. Charlotte, N.C.: $1,336 a month
10. Cincinnati: $1,353 a month

*** END QUOTE ***

•· This is good news for home buyers and sellers in Middle Tennessee, and if you find yourself in need of a Real Estate Professional to assist you in your Hendersonville Search for Homes, or looking for Gallatin Houses for Sale, Nashville Houses for Sale or Madison-Goodlettsville Houses for Sale, be sure to call:

"TEAM MOTHER DAUGHTER" - "doris and sherri" -

Or go to: http://www.homesintennesseeforsale.com

Or E-Mail: dorisandsherri@yahoo.com

Doris Freeman - Sherri Smith

615-438-3221 - 615-557-2070

of Reliant Realty -615-859-7150

Farmers markets are more than just vegetable stands today, they are a gathering place for the locals to sell their goods at fair prices without having to pay large fees for a store fronts, agriculture costs are rising and that means higher costs to the consumer so when visiting your local farmers markets or the actual farm you know that you are not only getting quality, fresh foods but usually at a lower cost, your food is not picked green and ripened in the grocery store.

"TEAM MOTHER DAUGHTER" - "doris and sherri" -

Doris Freeman - Sherri Smith

615-438-3221 - 615-557-2070

of Reliant Realty-859-7150