All posts by mark

Where Weather Fans Live

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Special Guests

John Lindsay -David Manuel-Kevin Rhea

discuss this week on The Housing Hour one of their true passions in life-Weather! John, David and Kevins’ life path has intersected at this  East Tennessee crossroad due to a common love of weather.   As a result, they have created a Facebook pages for, as their motto reads, ‘Where Weather Fans Live’.     They invite all weather enthusiasts to join the daily discussion about the weather regardless of where you live,  they want to talk about how weather affects you!

Where Weather Fans Live

The Housing Hour Host-Kevin Rhea has been a  weather enthusiast since the Tennessee Blizzard of  1993.   He’s has been known to set out to all parts of the East Tennessee region hunting the perfect snow storm. John Lindsay has had a similar experience since he was a young boy, finding himself in total awe of weather events and a drive to be able to predict future storms. David Manuel is the newest member,  adding great knowledge of the technical and scientific side of weather coupled with excellent communication skills. 

All three of these talented men build the perfect forum “Where Weather Fans Live”!

So join the discussion this week- where we talk about the weather but can’t do a thing about it!

Like the Page Today!

 

 

 

 

 

 

 

Homeownership: A Tool for Community Development

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Homeownership: A Tool for Community Development

by Mark W. Griffith

While becoming a homeowner is a dream for many, it can also be seen as a tool and a very useful one at that.

When viewed through that lens, housing professionals realize homeownership helps strengthen and revitalize communities, while building wealth and providing a home for families to grow and thrive.

That potential to do good is what makes the Tennessee Housing Development Agency’s HHF Down Payment Assistance so important for many hardworking families in the Volunteer State.

Equipped with an allocation of $60 million from the U.S. Treasury’s Hardest Hit Fund, THDA was able to target 55 ZIP Codes – just under seven percent of those in Tennessee – that have been slow to recover from the housing downturn that occurred almost nine years ago. The targeted areas include ZIP Codes in East Tennessee. Many homes in   Clinton ZIP Code 37716 are eligible and seven ZIP Codes stretching into Jefferson and a tip of Sevier County have neighborhoods that could be helped.

The full list of ZIP Codes can be found online at GreatChoiceTN.com by clicking on the Down Payment Assistance box.

The program works like this: as of March 1, 2017, homebuyers purchasing an existing home in one of the eligible ZIP Codes can apply for a $15,000 forgivable second mortgage to cover the downpayment and closing costs.

The ZIP Codes being targeted are among those hardest hit during the housing crisis based on a variety of factors identified by the U.S. Treasury. The goal of the program is to spur economic activity and help stabilize property values by boosting home sales in those neighborhoods that have not fully recovered.

Still the biggest hurdle to homeownership for hard-working folks: saving money for the required down payment and closing costs to purchase a home. Without this helping hand, many deserving Tennesseans wouldn’t be able to make the jump from renter to homeowner.

Since it was announced in early February, a flurry of media coverage and social media buzz has helped raise awareness about the new program. Due to its popularity, many people have expressed interest. All the information is available at GreatChoiceTN.com.

Many wonder if it’s a deal that’s too good to be true, but it’s real, and it’s ready. As housing professionals, we should help our clients clear up any confusion about where the program is available and who benefits, and always strive to do what is best on their behalf by matching them with the product that serves them best.

With this powerful tool, we have a chance to help build the foundation for a positive future for thousands of Tennessee families.

 

By Mark Griffith
Mortgage Investors Group
Branch Manager- Oak Ridge
Co-Host of The Housing Hour-THDA Advisory Board

First Time Homebuyer- Down Payment Program

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Special Guests

                       Lindsay Hall    and   Rhonda Ronnow

of THDA joins The Housing Hour this week to explain one of the hottest First Time Homebuyer programs in Tennessee.    Lindsay Hall is Chief Administrative Officer of Single Family Programs and Rhonda Ronnow is Director of Single Family Loan Operations. Lindsay and Rhonda explain the new $15,000 Downpayment program for selected zip codes areas in Tennessee and how you may be able to apply!

THDA Announces $15,000 Incentive to Homebuyers in Targeted Neighborhoods

Contact a Loan Officer at MIG to find out details!

HHF-DPA

If you’re purchasing a home with a Great Choice Home Loan in one of the participating ZIP Codes, you can apply for our HHF-DPA program, which offers $15,000 in assistance regardless of the home’s purchase price.

Participating ZIP Codes:

37037 37040 37042 37073 37086 37110 37115 37148 37172 37186
37207 37208 37217 37218 37303 37311 37321 37323 37404 37406
37411 37412 37416 37660 37716 37721 37813 37821 37871 37912
37914 37917 37921 37924 38012 38016 38018 38053 38063 38105
38107 38109 38111 38115 38116 38122 38125 38127 38128 38133
38134 38135 38141 38301 38305

How It Works

If you’re approved, your financial assistance comes in the form of a forgivable $15,000 second mortgage loan on your home.

The second mortgage has a 0% interest rate and no monthly payments for the 10 year term. The loan is forgiven at 20% per year in years 6 through 10.See forgiveness schedule below.

After Year What you owe if you sell, refinance, or move out
0 – 5 $15,000
6 $12,000
7 $9,000
8 $6,000
9 $3,000
10 $0

To be eligible, you must purchase an existing home (new construction is not allowed) using a Great Choice first mortgage loan in an eligible ZIP Code, and you must complete a THDA-certified Homebuyer Education class with an agency approved to work with HHF-DPA homebuyers. Find an approved HHF-DPA class provider in your area.

If that sounds like a great choice to you, here’s how to find out if you qualify for a Great Choice Home Loan:

Additional terms and conditions apply. Talk to an approved lender to help determine if you qualify and if this program may be right for you. You must comply with the terms and conditions of the Great Choice Home Loan Program and HHF-DPA second mortgage loan or penalties may apply, including immediate repayment.

You must meet THDA homebuyer education requirements, which consists of pre-purchase and post purchase education (typically combined into one “combo” class), prior to closing your loan. You can meet this requirement by completing the class online or by attending an in-person class through an approved HHF-DPA counseling agency.

It is best to sign up for the class as early in the homebuying process as possible, and we strongly encourage you to complete the class at least four weeks before your closing date.

Find the approved HHF-DPA counseling agency closest to you:

In-Person Classes

If you prefer to take an in-person class, please identify the provider closest to you that offers in-person Pre-Purchase & Post-Purchase Combo classes. Please note that some providers on the calendar are not approved for HHF-DPA classes.

Click here to find an in-person Pre-Purchase & Post-Purchase Combo class near you.

Online Classes

Be sure to identify the provider closest to you that provides online classes. Please note that some providers on eHome America are not approved for HHF-DPA.

Click here to find a participating online provider, who offers Pre-Purchase and Post-Purchase courses.

Upon completion of both courses, a counselor will contact you within 2 business days to complete a one hour follow up session. You may contact the participating agency directly for additional assistance.

 

 

Housing Trends: Dr. Ralph DeFranco

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Special Guest

Dr. Ralph DeFranco

Global Chief Economist,

Arch Capital Services,

joins The Housing Hour this week to discuss the latest housing trends. Dr. DeFranco specifically discusses the trends across Tennessee from Memphis to Johnson City.   Topics also include a look at the global economy including the mortgage interest rates and the potential impact of legislative policies.

You don’t want to miss this show!

Also, Dr. Defranco has written a quarterly economic report packed full of the latest economic information, trends, and predictions.

Arch Mortgage Insurance (Arch MI)

Arch MI is dedicated to providing risk management and risk financing products to the mortgage insurance sector worldwide, through their three distinct platforms in the United States, Europe, and Bermuda.  Their group of dedicated mortgage insurance and reinsurance professionals understands the unique requirements and challenges of mortgage insurance markets around the globe.  Their market-specific knowledge and expertise enable their teams to provide creative and commercially viable solutions for their clients. Superior analytics and risk assessment combined with outstanding client service are at the forefront of all their activities.


Global Locations

  • Bermuda

  • United States

    • Walnut Creek, California
  • Europe

    • Dublin
    • London

Wildlife Solutions – Michael Harris

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Special Guest

Michael Harris,

Wildlife Solutions,

joins The Housing Hour this week to discuss the latest threats to the East Tennessee area.   Two new animals have been sighted in the Knoxville and surrounding areas that pose a potential threat. Michael describes the animals and what you should do to protect your family.

The topic for this week’s show:

  • Ground Hogs
  • Skunks
  • Armadillos
  • Cougars-big cats*

Wildlife Solutions LLC. specializes in keeping your home, yard, or property free of outside wildlife. Located in Knoxville, TN we provide all of Knox County and surrounding areas with friendly, professional and humane wildlife removal services.  Their licensed and experienced professionals are available, at your convenience, to evaluate and take care of any problem that you have whether it is bats or squirrels in your attic, raccoons getting into your garbage, or mice getting into your living area.

Their primary goal is not only to remove the animals currently causing your problem but to keep more from returning.  They ensure that they can locate and capture these intruders in a timely and efficient manner with little to no damage to your home and property.  Their service is quick, reliable and most calls can be treated with a same-day or next-day appointment because we know the longer these nuisances stay, the more potential damage they can do. In most cases, the pest problem has existed for a long time prior to the discovery.

Wildlife Solutions offers preventative evaluations to your home that will detect animal entry points, potential problem areas, and existing issues. If a problem is discovered, we give you a step-by-step summary of the process needed to solve your animal invasion before we get started. Once our plan is executed, we ensure that you will be satisfied with the results. Avoid using DIY techniques that lead to messy cleanups, inconsistent results, and long execution times. Go ahead and call our experienced staff at Wildlife Solutions to help with your animal control problem.

Call One of  their Animal Removal Experts

865-322-9690

East Tn sighting

http://www.local8now.com/content/news/Possible-mountain-lion-sighting-in-east-Tennessee–395919281.html

http://www.local8now.com/home/headlines/Possible-cougar-sightings-in-East-Tennessee-364568511.html

*Cougars are shy, nocturnal, solitary, secretive animals, with large home ranges. Because of their behavioral patterns, the likelihood of encountering a cougar is extremely slim, even in areas with established populations. To show how rare a cougar attack is, compare the number of human fatalities resulting from cougar attacks to those resulting from other hazards from animals or nature. In the 100 years between 1890 to 1990, in the U.S. and Canada, only 10 humans died due to cougar attacks.1 Every year in the U.S. an average of 26 human deaths are the result of dog attacks, 3 deaths from bear attacks, 12 deaths from rattlesnake bites, 40 deaths from bee stings, and 90 deaths from lightning strikes. Also considering there have been no confirmed sightings of a cougar between the years 1900 and 2015 in Tennessee, the chances of a cougar encounter are even smaller.

Even if the chances of encountering a cougar are minuscule, it doesn’t hurt to know what to do! Cougars are large predatory carnivores and if you see one, it might be deciding whether or not you’d be an easy meal. Never run, but instead make yourself threatening by standing tall, waving your arms, throwing objects, and yelling. Don’t turn away, but back away slowly, and towards shelter like a car or house if possible. Pepper spray may also be effective. If you’re with a group of people, gather together. Dogs and children have a tendency to run and they are more vulnerable than you, so pick them up so they don’t become a target. If the animal attacks, fight back! Do not play dead. Report the encounter to local authorities and TWRA as soon as possible.- See more at: https://www.tn.gov/twra/article/cougars-in-tennessee#sthash.49sg03hi.dpuf

Leave It To Kleber: Steve Kleber

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Special Guest

Steve Kleber

of Kleber and Associates joins The Housing Hour this week to give us an update from the NAHB 2017 International Builders’ Show. During the three-day event, manufacturers debuted their most innovative products to audiences from around the globe.  The K&A team hunted down the most important channel opportunities at Design & Construction Week and observed the emergence  of three major industry trends:

  • Freestanding Kitchen Furniture
  • Homes of the Future
  • Skilled Labor Shortage

Plus innovative products discussed:

 

SharkBite is a provider of plumbing and water control systems for domestic, commercial and industrial applications.



 

Tune in this week and Leave It To Kleber to tells us everything that’s going on!

Leave It To Kleber: Steve Kleber


 

Message from Steve:

We specialize in building products sales and marketing

At Kleber & Associates, we don’t try to be experts in every product category. We don’t work on running shoes one minute and disposable diapers the next. Instead, we focus exclusively on just one type of account—building products.

For nearly three decades, we’ve lived and breathed commercial and residential building products. We’ve come to know the architects, the builders, and the contractors. We’ve talked endlessly with facilities managers, dealers, and distributors. We’ve learned how to reach them and persuade them. And because we focus on just one industry, we know that industry’s gatekeepers and influencers. Its outlets and buyers.

We know how to generate demand and drive distribution. And perhaps most importantly, in residential, we understand what homeowners and homebuyers think, what they want to buy, and what they’ll be buying next. In commercial, we understand the needs of the architect, contractor, facilities manager, owner, and tenant.

In other words, when it comes to building materials and building products, we don’t consider ourselves to be general practitioners of marketing and advertising. We’re specialists, pure and simple. That’s why we’re the best at what we do.”

 

 

 

 

Knox County Mayor-Tim Burchett

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Special Guest

Knox County Mayor

Tim Burchett

joins The Housing Hour this week to discuss his life, passions and his service to the community he loves. It’s always refreshing to hear a public servant speak plainly from the heart.

The Mayor is completely dedicated to our veterans, listen as he explains his passion to the men and women that have served our country.

Knox County Mayor Tim Burchett took the oath of office on Sept. 1, 2010, after completing a successful 16-year career of service in the Tennessee General Assembly.

After taking office as Knox County Mayor, Mayor Burchett started applying his experience in the state capitol at the local level by saving taxpayers millions of dollars, and by restoring public trust in Knox County government.  He continues to focus on ensuring quality service to citizens, efficiency in government and financial savings to taxpayers.

Entrepreneurship, confidence in the free market, and a desire to serve the people of Knox County are traits that guide Mayor Burchett. They are a large part of the conservative foundation from which he derives his core principles of service, efficiency and savings.

Mayor Burchett attributes his commitment to a career in public service to his parents, Charlie and Joyce Burchett, who were both educators. Mayor Burchett’s father, Charlie, was a WWII veteran who served in the Pacific Theater.  He returned home to work his way up to Dean of Student Conduct at the University of Tennessee.  Charlie Burchett passed away shortly after his son announced his plans to run for Knox County Mayor.

As a child, Mayor Burchett attended the Little Red Schoolhouse then later attended West Hills Elementary, Bearden Junior High, and Bearden High School. He was a member of the Bulldog graduating class of ’82.  After high school, Tim stayed in Knoxville, attending the University of Tennessee and earning a degree in education.

After college, Mayor Burchett started a successful small business, which he operated until deciding to run for public office.  He began serving in the State House of Representatives in 1994.

In 1998, after serving four years as a state representative, he was elected to the first of three terms as 7th District Tennessee State Senator.  During his time in the General Assembly, he earned a reputation as an effective legislator who put honesty, integrity and constituent service above partisanship political expediency.  He most recently served as the chairman of the Budget Subcommittee in Finance, and was secretary of the Finance, Ways and Means Committee.  Mayor Burchett also sat on the State and Local Government Committee, as well as the Commerce, Labor and Agriculture Committee.

Adams Law: Terry Adams

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Special Guest

 

Terry Adams, Esq

joins The Housing Hour this week to discuss his companies, The Adams Law Firm and Admiral Title.  Terry has been a long  time sponsor of The Housing Hour and has appeared several times on our show. His depth of knowledge and experience is always welcome as we try to unwrap the complexities of the Real Estate Market and the laws that govern it.

The Adams Law Firm
8517 Kingston Pike
Knoxville, TN 37919
Phone: (865) 531-6440
Fax: (865) 381-1394
E-mail: tadams@terryadamslaw.com

Terry Adams is a Navy veteran, entrepreneur and attorney. Adams is the founder and managing attorney of the Adams Law Firm and Admiral Title, Inc. Currently he sits on the Tennessee Bar Association’s Executive Committee for Sports & Entertainment. Terry Adams focuses his practice on negotiations, contracts and business litigation. Terry has been peer reviewed as a “Top Attorney” in several categories as published in Knoxville Cityview Magazine, including in 2013 in the categories of Real Estate Development & Financing Law, Business/ Commercial Law, and Sports & Entertainment Law.

Terry grew up in Nashville and is a graduate of the University of Memphis Law School and the University of Tennessee, Knoxville. Adams’ roots and experiences span the state of Tennessee. Now, he and his wife, Phillis, live in Knoxville. Terry is a former Certified National Football League Players Association Contract Advisor, a member of the American Bar Association, Tennessee Bar Association, and the Knoxville Bar Association. He served in the United States Navy Reserves for 8 years. Adams enlisted in the Navy during high school and went to UT on the Montgomery GI Bill.

Actively involved in the Knoxville community, Terry has volunteered countless hours to local budding entrepreneurs through his small business initiative. He also volunteers many hours of pro-bono legal services to those in need in the Knoxville area. In addition, Terry has served on the board of non-profit organizations including currently serving on the community advisory board for the Junior League of Knoxville.

Terry is licensed to practice law by the Supreme Court of Tennessee, United States Tax Court, and United States District Court, Eastern District of Tennessee. Among his many published articles he is the author of The Art & Science of Negotiation; Business Law: Representing the Whole Client; and Getting it Right When it Counts – Crisis Management and Critical Decision Making.

The Adams Law Firm, Inc.
*Founder of the Adams Law Firm, a full service business, transactions and litigation law practice.

Tennessee Bar Association
*Executive Counsel of the Sports and Entertainment Law Section
*Legal Clinic and Legislative Committees

Admiral Title, Inc.
*Founder and President of Admiral Title, Inc.

Political Experience
*Helped candidates for the United States Senate and United States House of Representatives on issues regarding fundraising, campaign management, and substantive policy positions

United States Navy
*Served and a NCO in the United States Navy Reserve. Service from 1989-1997.

University of Memphis School of Law, JD
*International Law Society, *Criminal Law Society, *Sports and Entertainment Law Society

University of Memphis Law School Legal Clinic
*Civil Litigation and Elder Law Clinics

University of Tennessee – BA, Political Science
*Study abroad in Budapest, Hungary & Madrid, Spain
*Executive Undergraduate Program

United States Army War College
*2008 attendee and new member of the National Security Seminar.

Harvard Law School
*Program on Negotiation (Program of Instruction for Lawyers)
*Certificates in Basic and Advanced Negotiation

NFL Players Association Contract Advisor
*2006 – Certified by the NFLPA as a Contract Advisor.

Better Business Bureau Arbitrator
*Certified Arbitrator for the BBB-Auto Line

Affiliations
*Sports Lawyers Association, American Bar Association, Tennessee Bar Association, Knoxville Bar Association, Tennessee Association for Justice, Community Advisory Board Member of the Knoxville Area Junior League

 

Vol For Life: Erik Ainge

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Special Guest

Erik Ainge

visits The Housing Hour  to help celebrate our return to NewsTalk 98.7 FM on Saturdays 3p to 4pm.

Join us as  we talk about our true passion and love-Tennessee Vols!

Plus an extra bonus: Host Kevin Rhea is thrilled to have his father-John Rhea- joins the discussion as a specially distinguished guest!

Erik has a new show on WNML – The Erik Ainge Show- heard weekdays from 9am to noon.   Ainge joins Sports Radio WNML to host The Erik Ainge Show with Brian Rice Monday – Friday from 9am to noon. Ainge, an Oregon native, played for the University of Tennessee from 2004 – 2007, during which time he racked up numerous awards and honors from the SEC and across college football. In the years since his professional football career, Erik established himself firmly in the Knoxville community and set roots that, along with his football connections, provide a listening experience that is exclusive and exciting for all college football fans.

Home Insurance: Mansour Hasan

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Special Guest

Mansour Hasan

State Farm® Insurance Agent

joins The Housing Hour this week to give our listeners sound homeowner insurance tips. Mansour’s mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams. He serves the Knoxville and surrounding area with Home Insurance, Auto Insurance, Life Insurance, Health Insurance, and Business Insurance. Mansour  really models what it means to be a good neighbor in Tennessee, and provides the highest levels of customer service. He provides and serves you with Auto Insurance, Home Insurance, Health Insurance, and Life Insurance throughout Tennessee, including; Knoxville, Oak Ridge, Maryville, and Lenoir City.

Disclosures

Securities Supervisor address: 11350 Johns Creek Pkwy , Duluth, GA 30098-0001 Phone: 770-418-5033

State Farm Bank, F.S.B., Bloomington, Illinois (“Bank”), is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit a written application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank’s underwriting standards for each type of credit of service offered by visiting statefarm.com or by contacting the Bank at 877-SF4-BANK (877-734-2265). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. To apply for a Bank product, you may also see your participating State Farm agent.

State Farm Bank Logo FDIC Member Logo Equal Housing Lender Logo

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

Before investing, consider the funds’ investment objectives, risks, charges and expenses. Contact State Farm VP Management Corp., (1-800-447-4930) for a prospectus or summary prospectus con-taining this and other information. Read it carefully. AP2014/12/2170

State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.