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How to Challenge an Appraisal

When you are preparing to purchase, refinance, or sell a home, you will first need to acquire a home appraisal. The only exception to this rule is in the rare event that you are selling your home to a buyer who is paying the full amount in cash.

If your home appraisal is lower than you believe is fair, you have the option and the right to challenge it. Today, we are covering precisely how to challenge a home appraisal efficiently, effectively, and with the full power of all applicable laws.

To print the USA government’s guide to challenging your home appraisal, please click here.

Reconsideration of Value

If you have reason to believe that your home is worth more than the amount at which it has been assessed, you are eligible to ask that…

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Do's and Don'ts After a Mortgage Application

Once you've submitted your mortgage application, it's crucial to tread carefully in the financial landscape to ensure a smooth approval process. Here are 10 things you should avoid after applying for a mortgage:

1.) Steer Clear of Significant Purchases

Resist the temptation to make large purchases, whether it's a new car or extravagant furniture, in the period following your mortgage application. Lenders analyze your debt-to-income ratio, and substantial new debts can raise concerns about your financial stability.

2.) Maintain Job Stability

Lenders appreciate stability, and changing jobs during the mortgage application process might send red flags. Try to stay in your current job until the mortgage is approved, as it reflects…

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Listing of the Week - 837 W Hillview Dr

With an unbeatable Oak Hill location and Brentwood address, this amazing home offers unmatched convenience to both Nashville and all of Williamson County!

This is your chance at a one-of-a-kind home with city-living vibes on a private, wooded cul-de-sac lot backing up to Radnor Lake State Park. The thoughtful floor plan positions each room to maximize the property’s stunning views and sunsets. Love to entertain? This is the home for you with several spacious living areas including a cedar-paneled living room with a fireplace, vaulted ceilings, a theater room, and an expansive home gym – each with stellar views. Guest bedrooms are privately located. Special features include two covered decks, floor-to-ceiling windows, an open dining room, and a…

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4 Tips for Reducing Closing Costs

Owning a home is a significant milestone, but the path to homeownership often comes with its fair share of hurdles. One of the most substantial financial challenges is navigating the closing costs associated with buying a home.

While these costs are inevitable, there are savvy strategies to minimize the financial impact and make your dream home more affordable.

Let's explore some ways to potentially reduce closing costs and make the home-buying process a smoother journey.

Shop Around for Third-Party Services:

Lenders often have preferred sources for closing services, but you have the flexibility to explore alternatives. Check section C of page 2 of your good faith loan estimate for listed services and consider opting for companies not on…

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Top Spas

A visit to a well-renowned spa is a rejuvenating experience that significantly enhances both one’s mood and physical wellness. The carefully curated tranquil ambiance, calming music, soothing aromatherapy, and focus on positive sensations result in deep relaxation and the release of endorphins. By the end of your chosen treatments, you will feel lighter within your body because your muscles will be relaxed, your circulation will be improved, and it will be easier to tackle life’s challenges.

In today’s guide to Middle Tennessee, we are introducing you to our favorite spas in the area! Upon reaching the end of our list, you’ll know where to find salt rooms, infrared saunas, twenty types of massages, the best facials, and med spa services that are on…

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Listing of the Week - 3818 Kingswood Ave

Welcome to your dream home in the heart of Inglewood!

This impeccably renovated gem is a true masterpiece, offering a perfect blend of modern elegance and classic charm. Step inside to discover an open-concept living space adorned with exquisite finishes, hardwood floors, and abundant natural light. The gourmet kitchen is a chef's delight, featuring top-of-the-line stainless steel appliances, quartz countertops, and a spacious island that doubles as a breakfast bar. A highlight of this property is the attached two-car garage, providing secure parking and additional storage space in the unfinished basement. Step outside to the beautifully landscaped backyard, perfect for outdoor gatherings, barbecues, or simply unwinding after a busy day. You can…

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Best Hotel Bars

Nashville boasts a rich tapestry of restaurants, cafes, pubs, and bars, the latter of which has commanded our spotlight today. Specifically, we are pleased to announce the Top Ten Hotel Bars that wowed us consistently throughout 2023. While we recommend taking the time to visit each of these this year if you’re a local, visitors to our beautiful city should feel free to choose whichever location is most convenient. After all, each of these gems is sure to please with stand-out cocktails, delicious bites, and friendly staff that will help you feel welcome while you’re here.

The Pool Club
1 Music Square W | Nashville

The Pool Club’s unique rooftop getaway is focused on providing guests with a restorative, comfortable, delicious atmosphere quietly…

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Hispanic Homeownership at a Crossroads: Insights on Increasing Access and Affordability

 Introduction

Last year's State of Hispanic Homeownership Report provides valuable insights into homeownership trends and challenges facing Hispanic households across the United States. Published annually by the National Association of Hispanic Real Estate Professionals (NAHREP), this report analyzes homeownership rates, mortgage lending patterns, and demographic factors to assess the housing market landscape for Hispanic consumers.

Some key findings from NAHREP's analysis this year include:

- The Hispanic homeownership rate reached 49.1% in 2021, up from 47.5% the previous year. This marks the highest homeownership level for Hispanic households since 2007, before the housing crisis.

- Hispanic homebuyers accounted for 67% of net…

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Estimate your mortgage payment - Check affordability.

## Expenses when buying a home:

- **Home Price**: This is the sale price or appraised value of the home you want to purchase. The mortgage amount will be based on the purchase price less any down payment.

- **Down Payment**: The down payment is the portion of the home's purchase price that you pay upfront, rather than finance into the loan. A 20% down payment is commonly recommended, but many lenders allow down payments as low as 3-5%. The down payment reduces the amount you need to borrow.

- **Interest Rate**: The interest rate is the annual rate charged on the mortgage loan. Rates are commonly in the 3-7% range for 30-year fixed mortgages but can vary depending on economic conditions. The rate significantly impacts your monthly…

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How's the Market? | December 2023

How is the market? It’s a question our agents get asked a lot, and for good reason. If you’re considering buying a new home or selling one that you already own, market trends and predictions are important in the decision-making process. Below is our most recent market update information for Davidson, Maury, Rutherford, Sumner, Williamson, Wilson, Bedford, Coffee, Dekalb, Robertson, and Montgomery counties to help you make the most informed and beneficial choices possible.

See the Previous Month's Stats!

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