Tag Archives: real estate

Real Estate Year In Review

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Special Guest

Tyler Fogarty

Fox and Fogarty

with Realty Executives in Knoxville joins The Housing Hour this week to give us some expert tips on how to handle a Real Estate transaction.    Tyler’s eleven year experience has given him a unique persective on customer service.  Tyler also gives us the ‘Real Estate Year In Review’ and a look into 2019.

 

Tyler Fogarty

If you have only ever worked with Tyler Fogarty, you have likely only met “professional” Tyler. Hard-working, efficient, friendly, and eternally committed to getting the job done, Tyler is ranked among the best brokers in the state! But quietly, Tyler has another side. A natural-born left-brainer, he is an incredibly talented photographer, and in the little spare time he has, enjoys indulging that talent across the globe with his better half, Marianna. From the Grand Canyon to Wyoming, Japan to the Gulf of Mexico, Tyler refuses to leave this world without experiencing every iota of it, which most don’t know considering how hard he works every day to bring folks home in East Tennessee. Yes, as they say, there are two sides to any coin, but rarely are both sides so freakin’ awesome. To put it as Tyler might, he’s sorta like a more sophisticated Bruce Banner/The Hulk. In fact, you should ask him about his well-managed obsession with comic books when you hire him to list your home. But do it quickly, because he’ll probably sell that sucker in a day or two!

AgentOptix-Media Services

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Special Guest

Paul Piers

AgentOptix

joins The Housing Hour this week to share his passion for professional market branding.   AngentOpix has developed the latest fully responsive, SEO driven experience on any website platform in the market.      Their marketing vision uses the latest technology to build your brand.

AgentOptix recently Innovated a brand new technology that allows you to interactively fly through an entire community.  You control where you fly and look using your phone or mouse.  They didn’t stop there, they then link this technology to Matterport, so you you can tour inside the buildings within the community and return to the air at any time.  You really have to see it to believe it.

Click here or the image below:

Example of website development and branding:

Develop

After they have captured the media and created the content, they go about developing your website. Their sites are fully responsive, easy to navigate, great lo look at, and built to meet current SEO standards. They build sites on any platform – Word Press, Business Catalyst, WooCommerce, Shopify, Magento, etc. Their websites are more than just web pages; they’re an online experience that tells your brand’s story on any device from desktops to mobile phones.

Market

Just because it’s built doesn’t mean traffic. They go to work to integrate their marketing automation into your daily business routine. Using analytics, they deep dive into market data to see what your competitors are doing and see what works and what doesn’t. Market knowledge in hand, we build campaigns designed to generate, capture, nurture, and covert leads. AgentOptix grows businesses and increases sales.

Capture

No matter what product or service your business offers, it is a must to convey your message in many different media formats. Photography, Video, 3D Modeling, Print and the list goes on. They are a content studio that produces the highest quality media that effectively highlights your value proposition to potential customers.

Publish

Content created and website developed, time to publish all the content. Their websites are built on the latest Content Management Systems. AgentOptix handles publishing your custom content and all the ongoing updates. They also publish to the platforms and sites that your potential customers visit. Consistent brand messaging online that increases consumer awareness.

Paul Piers | AgentOptix

865.288.4808 Office
865.384.6410 Mobile
Paul@AgentOptix.com

Paul is a business-minded professional with knowledge of entrepreneurial start-ups and running day-to-day business operations.  In the past, he has worked in many different facets of the real estate industry.  These facets include roles in real estate sales and service, real estate finance, and real estate technology.  He now assists real estate professional with utilizing innovative technologies to better their marketing and brand awareness.

 

Professional Experience

Slyman Real Estate, Director of Operations, 2007- 2012

Sthenia Solutions (Loanmarq Mortgage Application), President, 2001 – 2012

Trinity Mortgage Capital, Owner, 2004 – 2007

 

Education

University of Tennessee, Knoxville, Master of Business Administration

University of Tennessee, Knoxville, Bachelor fo Science, in Business Administration

The Holli McCray Group

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Special Guest

Holli McCray

CEO with The Holli McCray Group at Keller Williams joins The  Housing Hour this week to share her expertise in the real estate market.   Holli discusses how her group has become the number real estate team in Knoxville and one of the top 100 teams in the country.   The last segment  Holli discusses her passion for community and her continued role in the Wesley House.

2017 Top 100 Real Estate Team in America (REAL Trends/Wall Street Journal)

#3 Real Estate Team in Tennessee (REAL Trends/Wall Street Journal)

 #1 Real Estate Team in Tennessee for 2016 (KWRI – Southeast Region)


Being the Greater Knoxville area’s top selling real estate team, The Holli McCray Group can fulfill all of your real estate needs at a high level.   They have an expert staff that allows them to provide each of  their clients with excellent customer service and guidance.  Their focus is on professional consultations, personalized strategies, powerful negotiations and proven results.  HMG is able to quickly adapt to changes in the market and grasp new technologies that allow  them to sell homes faster and for more money.  As a result, they consistently sells over 350 homes per year.

 So Why Hire The Holli McCray Group?

  • They have a full support staff to quickly respond to inquires, return phone calls and follow up with potential buyers for our listings.
  • They have a highly experienced marketing department to ensure your house is advertised properly 24 hours a day, 7 days a week!
  • They have a full-time customer service manager who is available to  their clients to help resolve any concerns or issues that may arise.
  • They have an expert buyer team that has been hired to sell  their listings.  When a buyer calls to get more information about  their listings, they are available to take those calls and show the property!
  • Their team of expert listing agents provide honest feedback and advice about how best to sell your home. HMG firmly believes in advising  their clients using strategies that will work best for their situations.  HMG does not believe in making false promises to  their clients in order get their business.
  • They  have a highly effective marketing plan that literally generates hundreds of buyers every month.   Their monthly marketing budget is well above the gross income of the average real estate agent in  their area.
  • They  have a full array of preferred partners who they do business with to make sure your homes sell faster and your real estate transaction goes as smoothly as possible.
  • Simply put…..They put more money in  their clients’ pockets at closing than the competition!

 

 

 

MIG Farragut Branch Office

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 Special Guests

Samanda Knight  and Aretha Mims

joins The Housing Hour this week to discuss the local real estate market. Samanda is a Branch Manager with Mortgage Investors Group at their Farragut Office and Aretha is a Realtor with Realty Executives Associates, Nikitia Thompson Realty in Knoxville.   Samanda and Aretha bring their business perspective and experience to the show to help our listeners understand all that’s going on in the industry today.

Samanda Knight

NMLS Unique Identifier # 657450

Samanda’s   desire was to leave her  “footprint” in the world led her to a career in the mortgage lending industry. That was nearly 20 years ago, and in that time, she’s been able to draw on her love of interacting with people to help clients achieve the American dream of homeownership.

Samanda entered the industry in 1995 as a mortgage processor. Three years later, she began originating loans and worked her way up to becoming a producing Branch Manager before making the seamless transition to MIG in June as a Senior Loan Officer in its main Knoxville branch.

Samanda is well versed in all types of lending, including Federal Housing Administration (FHA), FHA 203K, Veterans Affairs (VA), Tennessee Housing Development Agency (THDA), Rural Development (RD), New Construction, and Homepath. Today she works with Loan Officer Assistant Holly Clark and Processor Lisa Calvert, as she guides clients through the process of making one of the largest investments of their lives. Samanda strives to offer exceptional customer service by thoroughly listening to her clients so she can gain a full understanding of their financial goals. Then, she advises them about their options so they can achieve those goals.

Samanda is an affiliate member of the Knoxville Area Association of Realtors and a member of the Knoxville Chamber of Commerce and Farragut Chamber of Commerce.


 

Aretha Mims

Aretha A. Mims, Realty Executives, Nikitia Thompson Realty has been a real estate professional for over fifteen years in the state of Tennessee.

Aretha’s real estate career began in office administration in Nashville Tennessee.  She is very passionate about her profession and takes very seriously the task of meeting her clients and customers needs.

Aretha has surrounded herself with very reputable Lender’s, Title Attorneys, termite companies, foundation specialist, home inspectors etc. Whatever the needs maybe to insure the most professional experience as humanly possible.

Aretha A. Mims

Realty Executives Associates,

Nikitia Thompson Realty

865- 244-8528

Contact Aretha today!

Realty Executives Associates

3232 Tazewell Pike

Knoxville, TN 37918

Mobile:(865) 244-8528

 

 

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.

USDA Offers 100% Loans

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USDA 100% LOANSFor home buyers today, there are two mortgage programs which offer 100% financing. The first is the VA loan from the Department of Veterans Affairs. It’s available to most active military personnel and veterans nationwide.

The other program is the U.S. Department of Agriculture’s Rural Development Single Family Housing Loan Guarantee Program.

Sometimes called a “Rural Housing Loan” or a “Section 502” loan, today’s USDA financing isn’t just for farms. Because of the way the USDA defines “rural”, there are plenty of exurban and suburban neighborhoods nationwide in which USDA loans can be used.

Home buyers who buy a home in a qualified USDA area, and who meet USDA income eligibility requirements, can take advantage of the USDA’s low interest rate, no downpayment mortgage program.

Click here to apply today!

What Are The Benefits Of A USDA Home Loan?

USDA mortgages are structured just like conventional ones via Fannie Mae and Freddie Mac. Where they differ, though, is with respect to downpayment requirements and mortgage insurance.

Unlike conventional loans, USDA mortgages have no down payment requirement, which allows a home buyer to finance a home for 100 percent of its purchase price. The U.S. Department of Agriculture will assess a two percent mortgage insurance fee to all loans, and the cost may to be added to the loan size at the time of closing, as can the costs of eligible home repairs and improvements.  The monthly mi factor is significantly less than the FHA loan.

This loan can also be used with THDA.

How Do I Qualify For A USDA Home Loan?

Similar to FHA home loans, rural housing loans aren’t made by the USDA. Rather, the USDA insures mortgage lenders making USDA Section 502 loans against loss. The program is meant to spur homeownership in rural and underdeveloped areas.

In order to qualify for a USDA home loan, home buyers must meet two requirements.

First, the buyer must buy a home in a USDA-eligible area. In general, USDA property eligibility is governed by census tract density. However, the term “rural” leaves room for interpretation, opening Section 502 mortgages to buyers in unexpected parts of the country.

A buyer’s second USDA eligibility requirement is that household income may not exceed 115% of the area’s median income. A mortgage lender can tell you whether your income meets program requirements, if you’re unsure how to check.

Click here to confirm your USDA eligibility

There are other USDA qualifying criteria, too, including :

  • The subject property must be a primary residence
  • The buyer must be at least two years seasoned from a bankruptcy discharge
  • The buyer must have decent credit
  • The buyer must meet a qualifying ratio of 29 percent for housing costs; and 41 percent for total debt
  • The buyer may not own another home within commuting distance of the subject property

HOW MUCH CAN I GET APPROVED FOR?

For today’s home buyers, mortgage rates remain low and USDA home loan guidelines remain loose. The program is designed for leniency so long as the buyers meets the USDA’s property and income eligibility requirements.

Note, however, that the USDA changes its “rural areas” fairly regularly and an expanding town is apt to lose its rural loan eligibility with the next census tract update, planned for late-March 2013. Homes which are USDA-eligible today may not be USDA-eligible in April.

Get help with your rural home loan and determine your personal eligibility.

Source The Mortgage Report

Suze Orman said 2013 is the year to buy!

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Here are some very important resources to help you prepare for buying a home.

Call MIG today to talk with one of our trusted advisors.

1-800-489-8910

http://portal.hud.gov/hudportal/HUD?src=/topics/buying_a_home

The Housing Hour 07.14.12 (Saturday’s 2p-3p, 100.3 WNOX)

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Our guest today was Doug Lawyer, Vice President of Economic Development  with the Knoxville Chamber of Commerce. Doug will be discussing Innovation Valley, a regional economic development initiative centered on a 25-mile Technology Corridor with world-class resources in science, technology, and business.
Our Good Will section features Legacy Parks Foundation— Chad Youngblood joins our show to talk about how the organization works to assure that our community enjoys exceptional recreational opportunities, natural beauty and open spaces, and that those assets exist for generations to come. Also check out their newest website for all the parks and trails! Outdoor Knoxville!!

The Housing Hour 6.30.12 — MIG HEROES

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The Housing Hour 6.30.12 Special MIG HEROES by The Housing Hour