Rural Development is projecting that funds for purchase money transactions may run out as soon as October 27, pending receipt of actual funds from the recently passed Agricultural Appropriation Act for FY 2010. The announcement indicates that it takes about 3 to 4 weeks to receive the funds from the Office of Management and Budget.
Just another thing to work though. The Tennessee Rural Development office earlier this week made a commitment to get received loan file submissions processed in time for the tax credit.
For some home buyers, funding might be an issue. For those with pending Rural Development purchases, contact your loan officers to make sure your funding is set.
The annual event is all about the women - Food, Fashion, Fun. 
This year featured Taste of Home Cooking School and Belk's Fashion Show. The MaryEllen Locher Foundation receives 10% of the ticket sale proceeds.
Vickie Phillips and Tina Christein from our office went this year and came back raving about all the new things they learned.
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Tina and Vickie came back excited from the Women's Expo |
Photos from some of the booths.
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Battlefield Imaging |
Café LeMont and Lady J's Bakery |
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Estee Lauder |
Tina at the Woman's Way Magazine booth |
Tina and Vickie were also interested in the Time 2 Save Workshops and the P90X Fitness Program.
The Renaissance Oktoberfest is being directed by the City of Chattanooga's Department of Education,Arts & Culture and will benefit the EAC afterschool initiative.
Activites include:
Chattanooga Market: "Market on the Bridge". The Market will continue its celebration of Chattanooga's Renaissance on Sunday, back at the First Tennessee Pavilion. With Big River Grille and Brewing Works, the Chattanooga Market will host the Oktoberfest Beer Gardens on Walnut Street Bridge and in Coolidge Park.
The Choo Choo Musical Parade will end the day, featuring performances by students from the Center for Creative Arts singing Chattanooga Choo Choo. Other local artists include Emily Grace, Tim Jester, B Wordstar, Dennis Massengale and No Big Deal band, Neshaw Callaway, Frank Taylor and Dalton Roberts as the Choo Choo's engineer.
Across the River at the Bluff View Art District, celebrations will include glass blowing, local farmer ware, face painting, food and drink from all of the Bluff View restaurants.
The Hunter Museum will have discounted Oktoberfest admission to the last weekend of its New York Cool exhibit, including work by American artist Adolph Gottlieb. Enjoy German music on the outside plaza.
On the Coolidge Park Stage there will be local performers, including No Big Deal as the feature band, along with Elijah James, Jerry Rogers, John Latham, and T-Ran Gilbert& 22Visions.
Chattanooga Parent Magazine will present the Renaissance Oktoberfest Children's Village in Coolidge, with arts and activies for children and families.
This is a business and government partnership event taking place on both side's of the River. Just another example of how great Chattanooga works and celebrates together.
It is going to be a fun time. Can't wait til Saturday.
Fiber optics has been coming to Chattanooga for a long while. There have been law suits and regulatory
attempts to stop it, but fiber is now available in many locations in Chattanooga.
The promise is "virtually unlimited bandwidth," along with consistency and increased reliability.
Check availability for your area here.
This technology is a must to maintain Chattanooga's momentum as a growing and forward looking community.
I expect there will be direct benefit even for those who do not switch to fiber, as Comcast and the other Internet access options compete for customers.
Congratulations to the Red Bank Lions football team for clinching their district football championship. This year is beginning to develop into a special year, like the last state championship team of 2000,
Red Bank is ranked #1 in the state for their division 4A and 14th overall in the state.
Last night they clinched with a 42-8 win over rival Brainerd. The win was especially significant as Brainerd has the second best offense in the district, behind Red Bank.
The win pushed their record to 8-0. Congratulation to the players, to Coach Tim Daniels, and to the Red Bank High School.
Go Lions.
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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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