Forbe's Best Bang for the Buck
The award looks at "Solid housing markets, relatively stable employment, enviable cost of living and quick commutes make these metros among the country's most affordable to live." It looked at the 100 largest metropolitan areas.
Categories considered were housing affordability, travel time rank, real estate taxes, unemployment, vacanies, job forecast, and home prices. Chattanooga was only in the top 10 category in the travel time category, but we were relatively high in each category.
The category that we ranked lowest in is unemployment, but even there our prospects are bright with the development associated with the VW plant.
Add in other top rankings and Chattanooga is the place.
Other recognitions:
Congratulations to the Red Bank Lions football team. Last week they finished regular season play undefeated and with the number 1 ranking in the state.
Tomorrow they begin their playoff run.
Anything can happen of course, but this is a special team.
Great job and good luck tomorrow.
Last night two local teams, the Lady Bucs of Boyd-Buchanan and the Lady Lions of Red Bank, won state championships in high school volleyball. For Boyd-Buchanan this year was a return trip to the Class A state final. This year they won, completing a 20-0 season within their state classification.
The final match was 3-0.
For Red Bank, where my son played basketball and my daughter was on a state championship soft ball team, this is the first time in the class AA state final in 19 years. This is the first state title for the Red Bank volley ball team.
Red Bank won their final match 3-1, after fighting through the loser's bracket.
This past decade Red Bank has won state championships in football and in girls softball.
The MVP's were Stephanie Sivvvlvers for Boyd and Courtney Lawson for Red Bank.
Congratulations to both teams and both schools.
With numerous good reports on the economic front over the last few weeks, many are starting to suggest that the recession is over. Jobs though continue to be a problem.
To answer questions about the impact of the stimulus program, the administration has announced that the stimulus is approaching 1,000,000 jobs saved or created. From the White House blog.
According to information on Recovery.gov, Tennessee has been an especially fortunate recipient of the stimulus funds.
Still, Tennessee's unemployment remains over 10% through September, despite the 1156 jobs identified as created by the stimulus. Some good news is starting to be announced locally. More on that later.
UPDATE STIMULUS IMPACT FOR TENNESSEE: Posted November 1, 2009
As promised the stimulus figures were updated on Recovery.gov. The new figures indicate that the stimulus has created over 640,000 jobs nationwide, and 9548 in Tennessee.
This fund raiser has taken different forms, but has been the main fund raiser for the Kitchen for many years.
The Kitchen has received national recognition as a model for a local non profit organization. It was originally started in 1982 as a feeding program. There were 7 downtown churches that partnered to meet a growing need in Chattanooga.
The Kitchen has its own blog. You can stay current on needs and on offerings by checking updates here.
The main program is to provide food 365 days a year:
Other programs focuson employment, shelter, counseling. A big help for many homeless is that the Kitchen provides a place for basic, essential services like bathrooms and showers, telephones, mail, washers and driers, and more.
The Community Kitchen is well known and well respected in Chattanooga because of its long service to the needs of our community.
You can help by volunteering or with a donation. Click here to make a donation.
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The right Home Loan for you. American Acceptance Mortgage. Chattanooga, TN. Conventional and government home loans and mortgages in Tennessee, Georgia, and Alabama. Purchase, refinance, renovation.
Home purchases and home refinances for Tennessee, Georgia, and Alabama. The right real estate loan for you. That is 
what American Acceptance Mortgage is all about. Each mortgage loan officer at American Acceptance is focused on providing the service you need. I have over 20 years experience as a mortgage loan officer. We have been making mortgage loans in Chattanooga, TN since 1994.
We know real estate finance. And we provide top service to each locality in our 3 state service area of Tennessee, Georgia, and Alabama.
Purchase Loans - We offer loans designed to keep your down payment low. These include conventional, FHA, VA, and Rural Development loans. We participate in the FHA approved down payment assistance programs and other nonprofit grant programs. By offering loan programs from several top national lenders, you can be sure that you can get the best approval terms around. Our promise is to get you to the closing table on time and with no surprises. We have real estate agent contacts in every area and can recommend agents that provide you with excellent service.
Refinance Loans - Understanding your refinance objectives is critical to obtaining just the right loan terms. Making certain that your goals are achievable before we even begin the process saves time and money. Working with me means that you will be fully informed at each step of the process.
Construction Permanent - With builders finding construction lines getting tight, experienced construction permanent lending is needed to get you your new custom home. We offer construction permanent loans through 5 different national lenders. This means that you get to choose the best options for you - fees, draws, construction interest, permanent lock in terms.
FHA Renovation - In today's market, you may find that a renovating your home is a good option. With an FHA renovation loan you get excellent terms. Also the FHA loan amount calculations typically allow you to receive more money for your renovations, meaning that you may very well get all the work you want.
If you are interested in a government loan, FHA, VA, or Rural Development, go to an experience lender. We have offered government loans since 1994. Our lender relationships and experience will make a difference for you. We close many loans that others cannot.
We are experienced with HUD foreclosures, and working with other foreclosure companies.
Relocation is made smooth with our local contacts and use of internet technology - secure online applications, toll free fax number, secure website user accounts, daily status reports, and the informative lock recommendation. Your move will be the happy experience it should be, because you will not be worrying over the financing of your new home.
Local focus - you can find ready resources to learn about the local communities in our service area.
Credit repair - You will not find better credit consultation anywhere. If you need professional assistance to repair your credit, you will know exactly what they need to do for you. For the most part you and I can work through credit issues. We even offer a service to help you build a credit file from scratch.
American Acceptance Mortgage, Inc
Home Office
I am active with the Red Bank Lions club and have served serveral terms on the board of my church, the Chattanooga Community Kitchen, and the Episcopal Commission of South East Tennessee. I am active with the Chattanooga Chamber of Commerce, and serve proudly as one of their ambassadors.
Currently, I am a committee chair with the Women's Council of Realtors, a member of the Chattanooga Association of Realtors, the Home Builders Association of Southern Tennessee, the mortgage brokers association,and the mortgage bankers association.
My goal is to WOW you.
We specialize in FHA, VA, and Rural Development mortgage loan programs. We offer these programs along with the traditional conventional mortgage programs. We are experienced FHA lenders, with proven results in credit repair and credit building. We take pride in serving our customers and have developed excellent reputations and relationships with our lender partners.
My real estate agents know they receive my full commitment and the commitment of my staff. I stay fully accessible. I return phone calls. I tell the truth. My clients and partners are kept fully informed of the status. My experience both as a mortgage loan officer and as a mortgage lender helps me to identify potential loan approval issues early in the process. This allows my clients to have right expectations about their home financing transaction. I know the financial goals of my clients and work hard to develop a lasting relationship with them.
Recently I have become involved with the Chattanooga Office of Multi Cultural Affairs. This is a group of local 
professionals from government, private, and industry entities who are working to educate consumers and businesses about discrimination and minority opportunity. I am very excited about this effort as a way to increase home ownership potential in Chattanooga.
Credit repair and credit building have become increasingly important in today's market. We have demonstrated results for many of our clients in helping them improve their credit histories without using for fee credit repair companies. In fact, we have been helping our customers with their credit for several years. In today's market, good credit management can have a significant impact on loan approval and loan terms. We are credit management experts, and we take the time to review, explain, evaluate, and advise.
FHA home loans have always been a specialty of our company. Even when FHA was losing market share to subprime and Alt A mortgages, we were closing FHA mortgage loans. Other brokers steered borrowers into subprime loans. We worked with borrowers to get an FHA home loan approved. We gained considerable processing experience with the art of manual underwriting and full documentation. Processing can make all the difference in getting a loan approved.
We are closing FHA loans that other lenders cannot. We prove that every day.
We put technology to work for you. This makes your loan process smooth. You know the status. You have the information. You can make the informed decision. Lending is local. We use technology to give you local service - right where you are.
"Richard is a professional and I would recommend him to anyone needing sound advice about their mortgage." BH Chattanooga, TN
"This is my first purchase. We just had a baby last year. And we are so excited. Richard has keep us informed of the status with daily emails. He always makes sure that we know what to expect next. On top of that, during the loan, my wallet was stolen. Richard came in over the weekend to help with all things I needed to do about indentity theft and to notify the charge card companies and the credit bureaus. He really helped." CK East Ridge, TN.
"My loan went well, really quickly. But there was a problem with the lender taking the appraisal. Richard stayed in touch continuously. I always new what was next. He worked with the realtor and with the appraiser and got the loan done. Even going to another lender, he kept my rate and still closed quickly. " RH Chattanooga, TN
"Richard is one of the most professional and knowledgeable broker/bankers I have had the pleasure of working with, it is refreshing to see his commitment and dedication to our industry." ST Nashville, TN
"I needed to purchase the salon where I worked. It was a great opportunity. Richard told me what needed to be done, but another lender kept making promises. Those promises were never kept. Richard was patient. He told me to keep working with the other company as long as I thought things were going to go through. He would keep my loan ready if I needed it. Well, I needed it. Now I have my salon and it is going well. Richard knew how to get it through." Cleveland
"Richard has been great to work with. I love it when my clients take charge of their advertising campaigns and want to be personally involved to really make it their own. He worked hard to personalize his commercial and has worked to keep his website up-to-date. Thanks Richard for making it easy to work with you and being a man of integrity. If you're interested in making your dreams come true and having financial freedom, Richard is the man to talk to to!" GH Chattanooga, TN
"Richard works hard for my buyers. I know that. He calls me before I call him most of the time. I love the daily updates. He sends weekly articles about changes and other news. I really feel like I know the status. And when something comes up, I know he is giving me the right information. That really is important to me." LP, Chattanooga
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