Come tonight to enjoy readings from some of Chattanooga's local writers. Rock Point Books is holding the
second Poetic Voices tonight from 6 to 8.
Sheduled writers are:
Bruce Majors a finalist for an Indie Excellence Award in the 2007 book awards competition
E. Smith Gilbert has published extensively in the United States and Great Britain.
Ray Zimmerman his poem Glen Falls Trail took second place in the Tennessee Writers Alliance poetry contest, and the reading was part of an awards ceremony. He edits the literary newsletter, Feed Your Brain. He is a former president of the Chattanooga Writers Guild.
After these scheduled readers, the microphone will be open to anyone willing to share their writing.
Rock Point Books is located at 401 Broad Street. It is a great sponsor of reading in Chattanooga, offering public readings, children reading, book clubs, book signings.
On May 30 Tim Hollis will be present for a book signing of his See Rock City . He covers the history of some of the great spots in this local site, as well as the story behind the "See Rock City" marketing campaign.
The Who-Fest is this weekend. Saturday and Sunday, Memorial Day Weekend, at Renaissance Park. 10am to 6pm. It is an art and music festival sponsored by the Winder Binder Gallery of Folk Art. The festival is "a two day celebration of Folk, Outsider and Self Taught Art."
Over 70 artists have registered booths. Various music acts will perform beginning at 11am on both Saturday and Sunday.
Winder Binder Gallery sponsors many art event in Chattanooga. These events are just part of the reason Chattanooga has become recognized as one of the top cities for the arts.
Parade and Fireworks!
The weekend begins Friday at 5:30 Friday with Southern and Contemporary Gospel. Kiwanas Club pancakes Saturday at 7:30am. The parade starts at 11:00am. The car show is at 1pm and the beauty pageant is at 6pm.
Fireworks at 9:45pm.
The website has the full schedule and contact information. Come spend Memorial Day in Ringgold, GA at our 1890's Day Jamboree.
Congratulations to my friend and fellow worker, Tina Christein. She has just ended her term as President of TNAMB (Tennessee National Association of Mortgage Brokers). It has been a challenging year for all 
mortgage brokers and for the associations that represent us.
Some of the issues have been originator licensing, loss of membership from closed mortgage brokers, loss of lenders and programs, tightening mortgage lending guidelines, changing disclosure requirements, HVCC appraisal guidelines, Congressional and HUD scrutiny on lender paid premiums.
Tina has worked hard, focusing on strengthening the state association. She will now act in a new capacity of Immediate Past President.
Chip Langley, another Chattanoogan and also a friend, has taken over as President.
Here is the TNAMB press release.
Tina Christein with American Acceptance Mortgage in Hixson was installed earlier this month as the Immediate Past President with the Tennessee Association of Mortgage Professionals for the next year. The Tennessee Association of Mortgage Professionals, chartered in 1995, is the only statewide industry-supported association dedicated to advancing the knowledge and understanding of the mortgage broker and banker profession throughout the state of Tennessee. In doing so, TNAMP strives to educate and inform the public, legislators and government agency officials regarding the many valuable services and benefits mortgage professionals provide to home loan borrowers.
Tina Christein continues to serve as a leader in the mortgage profession in Tennessee in advancing the level of professionalism in the mortgage industry. Recently, the state of Tennessee joined many other states around the country requiring licensing, fingerprinting, background checks, testing, pre-licensure course work and continuing education for all residential mortgage professionals regulated by the State of Tennessee Department of Financial Institutions. TNAMP has been the driving force to put these additional professional requirements in place by the Tennessee Legislature and Governor over the past 12-18 months. The goal of TNAMP is assure all Tennesseans that all state-regulated mortgage professionals are trained, tested, checked-out and up-to-date when helping their customers with their mortgage transaction.
Tina Christein can be reached in Chattanooga at 423-899-6898 or TChristein@AAMonline.com. The Tennessee Association of Mortgage Professionals can be contacted at 615-302-0001 or at www.TNAMP.com.
Top on the list of customer complaints about loan originators is "Returning Phone Calls." Yes, it is still 
apparently a customer service problem iin our industry.
One of our loan officers at American Acceptance Mortgage, Sandy Houston, told me today that she had a received a call from a new client a few days ago. The customer had called another company and asked about an FHA loan. Evidently the loan officer went straight to the application, but never called back.
She later called the manager, who promised to call her back the next day. No call back.
She called Sandy, two days ago.
Sandy did not jump to the application. She discussed the client's wants. She reviewed program options. She was able to make a real estate agent referral. She made certain that the client had all of her objectives and questions addressed. Sandy then set up a time to call back.
She followed up with the real estate agent who got the referral.
She followed up with the 
client.
The client was happy with the real estate agent referral, and she asked for an application package. She thanked Sandy for the help and all the information.
Now Sandy has the full application, and an approved loan. Waiting for the real estate agent with the referred buyer to find an house.
Sandy is my hero.
Way to go Sandy.
 |
|
|
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
ActiveRain Corp. is not responsible for the accuracy of the site's content (which is written by members of the ActiveRain Real Estate Network) and does not endorse the views of the real estate agents, mortgage brokers, and others listed here.
Powered by the ActiveRain Real Estate Network
© 2009 ActiveRain Corp. All Rights Reserved
