Tag Archives: Loans

Air Date 11/17/12- Fire Prevention and Awareness!

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Presented by:

Mortgage Investors Group Logo

This is one of the most important shows The Housing Hour has done:

….it could save you and your family’s lives!

Fire Prevention and Awareness:  Will your Smoke detector work?

Did you know that Thanksgiving Day is the number one day for cooking fires?

Knoxville City Fire Department Captain DJ Corcoran joins our show and discusses everything from the top things that can cause fires during the holiday season to smoke alarm detectors.

The Housing Hour has learned that under certain conditions the smoke detector in your home could fail to go off.

Common home Smoke Detectors Failing:

Also, we have discovered another study regarding Children under 10 and smoke alarms…we discuss this study and will be posting a video on the study. Every parent with small children must see this video!

Also, on a lighter note….we will be posting video a comical video regarding fires caused by Turkey Fryers.

Please join us for this very important show!

Fire Prevention Website

Catch the show every Saturday….

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Check out all of our interview series like:

Home Ownership Matters

Protect your Family

and much more!!

Presented by:

Mortgage Investors Group

Spring into Action and Prepare

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Mortgage Investors GroupWhen preparing to buy a home there are many things to consider.  Most of the time, compiling documentation for your lender is not at the top of the list.  This could be a very important step to the overall success of your home-buying experience.

Please read on.

If you haven’t done so already – please begin compiling documentation we’re going to need once you’ve found your dream home. For a specific list of what we will contact one of our loan officers today!

Partial List of Starter Documents:

  • Copies of last two years tax returns and W-2′s
  • Copies of two most recent paycheck stubs (or easy, quick access to future pay stubs)
  • Copies of bank and brokerage statements for the last two months

Why Bother Digging Up Documents Now – I Haven’t Even Found My Home Yet?
Because, in the mortgage business Time Equals Money. I’ll explain what I mean below.

What Does It Mean To “Lock” Your Loan?

When it’s officially “go time”, you are going to “lock” your loan program with the lender. In turn, the lender is setting aside the funds allocated to your home mortgage. Lenders take these “loan locks” very seriously – as it helps us manage supply and demand.

Generally speaking – the shorter a time period you lock up a lender’s funds, the more preferential the pricing that lender will offer in return. This is huge.

What Do I Mean By the Statement Above?
Typically lenders offer “lock periods” of 30, 60 or sometimes even 90 days. By locking your loan, you benefit from knowing that if mortgage rates rise in the future, your terms will remain unchanged by the lender. As a result of this commitment the lender makes to you, they provide financial incentive for you to choose a shorter lock period than a long lock period. Does this make sense so far? If you are interested in learning more about how Time Equals Money in the mortgage business, contact us today!

So, Is My Ultimate Point In All This?

It is difficult to know if it is going to be prudent to choose a short, medium or long “lock period”. However, if we ultimately determine that a short lock period is best for your situation – it will be critical that we don’t lose even a single day while the clock is running.

By getting your mortgage ducks in a row now, we will be in optimal shape for a smooth and cost-saving mortgage process later.

While some lenders take 60-90 to close your loan, MIG will get it done on your schedule and close on time, every time.

Air Date 03-02-13: Three from MIG!

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Meet Three New Faces to MIG!

HH4

1st Segment:

HH3Taylor Hays
Taylor.Hays@migonline.com
Office 865-671-8910
Fax 865-671-0774
10118 Parkside Drive,
Suite 100,
Knoxville, TN 37922

Apply Online

NMLS Unique Identifier
# 922459
TN Lic. # 113544

Message from Talyor:
Mortgage Investors Group is Tennessee’s leading independent mortgage lender. By choosing from our large selection of loan programs including Conventional, FHA, THDA, VA, Construction/Permanent, Interest Only, Fixed and Adjustable Rate Mortgages, you can be certain that you will receive the mortgage program that best fits your individual situation. We have in-house technology systems and experienced staff to simplify the mortgage loan process, thus saving time and money for borrowers. In fact at Mortgage Investors Group, we guarantee that your rate and our fees will not change from lock-in to closing, or we will pay the difference. We specialize in providing convenience, ease, and experience along with low mortgage loan rates.

“My team’s commitment to providing superior customer service has afforded us a quality reputation in the community. I look forward to assisting you with any of your current or future mortgage loan needs. As I work primarily by referral, I encourage you to tell family, friends, and colleagues about Mortgage Investors Group and me.”

2nd Segment:

HH1Robert Carter
Robert.Carter@migonline.com
Office 865-691-8910
Fax 865-691-7714
8320 East Walker Springs Lane, Suite 200,
Knoxville, TN 37923
Apply Online
NMLS Unique Identifier
# 898005
TN Lic. # 113697

Message From Robert:

Working for Tennessee’s Leading Independent Lender allows me the tools that the competition simply does not have. That is why shortly after Mortgage Investors Group financed my home, I joined the team as an employee. I understand that purchasing your home is likely the largest purchase you will make in your lifetime, and I take the responsibility of guiding my clients through the process seriously.

It is my job to find the best loan product for each client’s individual needs and explain every step required to get you into your new property so that you can continue living your life. I would be honored to show you why the Carter Team is such a powerhouse in the mortgage lending business. Our closing process is a well-oiled efficient machine that works for you. Unlike other Loan Officers at other companies that can be hard to get in touch with, and forget about the client after the closing, my team is here for you when you need us and understand that you will have questions after you move in. Come Close with Carter, and see why previous clients say such great things about us!

3rd Segment:

HH2Ron Daughtrey
Ron.Daughtrey@migonline.com
Office 865-691-8910
Cell 865-209-3883
Fax 865-691-7714
8320 East Walker Springs Lane, Suite 200,
Knoxville,TN 37923
Apply Online
NMLS Unique Identifier
# 113067
TN Lic. # 88274

Message from Ron:

Mortgage Investors Group, founded by loan officers, is Tennessee’s leading independent mortgage lender. Whether you’re buying a home or refinancing your current one, I am committed to helping you find the mortgage program that best fits your individual situation.

MIG offers competitive loan rates and a large selection of loan programs, including Conventional, FHA, THDA, VA and USDA. We use on-site Underwriting, Processing and Appraisal services and in-house technology to ensure a swift and professional lending experience.

As a licensed Loan Officer, I have the expertise to advise you through the process, answer any questions you may have and help you close on time. You can rest assured that you will receive superior customer service when you work with MIG. That’s how we’ve become leaders in the local mortgage lending market.

I look forward to assisting you with your current or future mortgage loan needs. I hope to hear from you soon.

Air Date 02-09-13: Crazy Home Inspection Finds!

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housinghour_post_jackfeldmann

Special Guest

feldmanJack Feldmann

Crazy Home Inspection Part 1!

Clayton Inspection Service, Inc.

Clayton Inspection Service Inc., a certified member of the American Society of Home Inspectors®, was established in 1989. Located in Knoxville, Tennessee we have completed thousands of inspections and we typically inspect over 1,000,000 square feet per year. With over twenty years of construction experience you can be certain that you will receive the highest level of professional service available in today’s market. Call or write us today for your free brochure.

Contact:

Clayton Inspection Service Inc.
Jack C. Feldmann

Phone: (865) 693-7109
Fax: (865) 690-4321

Crazy Home Inspection Finds!

 

 

 

 

 

 

 

Air Date 12/8/12 : Protecting Your Identity!

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Presented by:

Mortgage Investors Group

Check Robert’s FB

Robert Talks with Dr. Drew about his experience after he crossed the finish line;

Our Guest: ROBERT SICILIANO, CEO of IDTheftSecurity.com

Author and  McAfee Identity Theft Expert

Robert Siciliano is fiercely committed to informing, educating, and empowering Americans so they can be protected from violence and crime in the physical and virtual worlds. His “tell it like it is” style is sought after by major media outlets, executives in the C-Suite of leading corporations, meeting planners, and community leaders to get the straight talk they need to stay safe in a world in which physical and virtual crime is commonplace. Siciliano is accessible, real, professional, and ready to weigh in and comment at a moment’s notice on breaking news.

Joins us for an intense hour of, ‘… things you wish you knew before your identity was stolen!’

Plus: Order your copy of Robert’s top selling book:

Order your copy today!
Robert has national media credentials including hard hitting and provocative contributions to The Today Show, CBS Early Show, CNN, MSNBC, CNBC, Fox News, Inside Edition, EXTRA, Tyra Banks, Sally Jessie, Montel, Maury, Howard Stern, The Wall Street Journal, USA Today, Forbes, BusinessWeek, Cosmopolitan, Good Housekeeping, Reader’s Digest, Consumer Digest, Smart Money, the New York Times, the Washington Post, and many more.

In addition to his role as a frequently quoted television news correspondent, Robert is also the author of “The Safety Minute:” Living on High Alert – How to Take Control of Your Personal Security and Prevent Fraud.”

Check out this short video:

Air Date 12/01/12 – Energy Efficiency Part 6: The Energy Audit!

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Scott Higgins of Prudent Energy Systems is special guest:

Today our Energy Efficiency series focuses on a complete energy audit of your home. Prudent Energy systems is a full service home performance building company serving the Knoxville area.  Their services include:

They work to maximize your home’s energy efficiency, eradicate any indoor air quality and other safety problems at the source, and optimize building durability and integrity.  Capable of working as a 3rd party verifier or as a turnkey performance contractor, we will work to ensure your goals are achieved. We’re certified, verified, and have over 20 years of experience under our tool belt.

Home Energy Evaluations: Great Information for Existing Homes

Chances are, you’re spending much more on utility bills than you need to be.  A home energy audit gives you the opportunity to fix that.  Using the latest technology, including a blower door to assess air leakage, a duct blaster to assess duct leakage and infrared thermography, a comprehensive home energy audit will point out leaks in your home’s thermal envelope, deficiencies in insulation, and other opportunities to stop heat loss and reduce energy consumption, while improving the comfort and safety of your home. In addition to recommending fixes to reduce energy, we’ll also evaluate carbon monoxide safety, mold and other air quality issues and improvements to temperature and lighting comfort. Our comprehensive audit report will include a prioritized list of potential improvements, and an estimate of the savings our recommended work will likely lead to.

Video of the Home audit:

Air Date 11-24-2012: Energy Efficiency Part 5- Solar Energy

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Presented by:

Mortgage Investors Group Logo

On todays show:

Aries EnergyWe have been talking for the last few weeks about energy solutions for residential homes. This week we bring in someone who actually can provide that to you! Harvey Abouelata is this weeks guest on The Housing Hour. Harvey is the President of ARiES Energy.

ARiES Energy is an energy contractor focused on clean and renewable energy products and related services.

ARiES provides energy technology modeling, design, engineering and installation for U.S. and international clients. ARiES Energy offers their clients renewable and clean energy solutions to meet their rising energy needs and/or environmental governmental mandates.

The last segment we are joined by Aries Chief Financial Officer: Patrick West who helps us wrap up the conversation about Solar energy use.

Air Date 11-10-12: The Housing Hour 11.10.12 – Energy Efficiency Part 4: Schaad Real Estate

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 Energy Efficiency Part 4: Schaad Construction!

Presented by:

Mortgage Investors Group Logo

 Special Guests from Schaad Construction and Real Estate Division!

We continue our Energy Efficiency Series by bringing Schaad Construction and Real Estate Divisions into our studio. Rick Atherton, project manger joins us to discuss the construction techniques designed by our previous guest, Roderick Jackson @ ORNL. Rick’s construction team consistently build the highest energy rated homes in the South East and perhaps in the United States. Schadd Construction is one of a very few number of contractor that actually build home under the Energy Star Rating standard. Schaad is committed to using the latest science on Energy Efficiency in their new homes and proudly have been a partner with ZEBRAlliance.

Also this hour we are joined by Alec Blaine, Principle Broker with Schaad Real Estate. Alec is marketing 4 of the most energy efficient houses in the nation! These homes, located 10 minutes from Oak Ridge National Laboratory (ORNL) are on the market and available for closing with an occupancy date of March 2013. These homes are the product of the ZEBRAlliance, a public-private partnership founded by ORNL and Schaad Companies. The four homes, located in the Crossroads at Wolf Creek subdivision in Oak Ridge TN, use significantly less energy than a traditionally built new home, while providing similar amenities.

Located at Cross Creek Place, Oak Ridge Tn.

Schaad Residential Real Estate is committed to the work ethic and trust revered by the Schaad family who immigrated to East Tennessee from Switzerland in 1870. For the Schaads, a family’s home is very important. Each residential transaction is treated with precision and care.

Contact
Alec Blaine, Principal Broker
Cell: 865-548-5799
ablaine@schaadcompanies.com

For our complete Energy Efficiency Series click below:

Housing Hour Energy Efficiency Series!

Aired 10-27-12 : Haunted Housing Hour! Can home really be haunted?

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Can homes really be haunted?

Check out Shadow Ghost video!

Video curtsey of Appalachian Paranormal Investigations:


Special Thanks to: Appalachian Paranormal Investigations

Appalachian Paranormal Investigations

Also, Special Thanks

Real Estate Agent Roger Brown, Linda Brown Realty.