Richard's Real Estate Thoughts

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Real Estate Mortgage Broker
Mortgages, Mortgage, Home loans, home finance, home refinance, home purchase, credit, credit scoring, credit repair, conventional, FHA, VA, Rural Development, investment, First Time Home Buyer, investment, FHA 203k, renovation loans, Chattanooga, Knoxville, Cleveland, Nashville, Memphis, North Georgia, Hamilton, Bradley, Sequatchie, Catoosa, Walker, Davidson, Tennessee, Georgia, Ooltewah, Soddy Daisy, Signal Mountain, MLO NMLS 184479, TN Lic 40161, Georgia Mortgage Licensee

ARCHIVED BLOG POSTS

2009 

Backed by this graph. The report addresses many of remaining serious problem - consumer confidence, housing market stability, and JOBS, JOBS, JOBS. But great encouragement is to be taken with the significant turn around in GDP, evidenced in the chart. A concern is how much the tax credits have c...
Posted over 4 years ago
The more I look over the HUD RESPA changes that start January 1, the worse they seem. The latest version of the RESPA FAQ is an astonishing 49 pages long. HUD has simplified the Good Faith Estimate by making it 3 pages rather than 1 page. That is the logic of government. The stated goals are to ...
Posted over 4 years ago
Mortgage insurance company losses are a mounting concern for the industry. A concern that has not received much coverage in the media, nor in Congress. These companies have taken a beating in the market downturn. Mortgage insurance enables home buyer to purchase with less than a 20% down payment....
Posted over 4 years ago
As part of a $24 billion economic stimulus bill, the expanded and extended home buyer tax credit is now law. The features of the bill are as publicized throughout the week; deadline extended through April 30 April 30 deadline requires only that the contract is signed Qualified purchases must clos...
Posted over 4 years ago
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.
Posted over 4 years ago
As the economy starts the turn around, employment becomes more important measure of the strength and sustainability. As a lagging indicator, employment gains will always trail recovery, but families and the economy need more jobs. The job creation target is 400,000 new claims. Today's New Unemplo...
Posted over 4 years ago
Rainmaker
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Richard Smith

FHA VA Rural Development in TN GA
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