All posts by mark

David Luna-Mortgage Educators and Compliance

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Special Guest

David Luna

President of Mortgage Educators and Compliance

joins The Housing Hour this week to discuss big changes that are happening in the mortgage industry. From the  proposed Federal  Budget to new credit reporting enhancements, David unlocks the mysteries   with easy to understand terms.

You don’t want to miss this show!

David Luna-Mortgage Educators and Compliance

David Luna has more than 35 years of experience in the mortgage lending industry. He presently serves on national boards and holds several national and state certifications. He has been a consultant for Fannie Mae, Freddie Mac, as well as other large national banks. He has been featured in Mortgage Technology Magazine, National Mortgage Press, newspapers, NBC, CBS and ABC.

David is President of Mortgage Educators and Compliance, an NMLS approved education provider. He has served as Commissioner (a Governor appointed mortgage regulator) and in several executive positions for banks, credit unions, mortgage bankers and brokerages throughout his career. Including Mellon Bank of New York, Great Western Bank of California, several Federal Credit Unions as well as Vice President of large publicly traded Mortgage Companies.

This year he was asked to present to the Federal Home Loan Bank to over 700 banks and credit unions. He has received numerous awards such as the NAMB’s Affiliate of the Year, NAMB President’s Award and National Mortgage Professional Magazine’s 50 Most Connected Mortgage Professionals for 2016.

 

 

 

 

 

 

The Broken HR: Greg Chambers

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Special Guest

Greg Chambers

author of “UnChosen” joins The Housing Hour for Part II-The Broken HR. Greg describes the common flaws in the employment hiring process throughout our countries HR departments as he navigated through the employment process. Greg offers tips and suggestions on how to increase your visiablity to the HR managers and hiring specialists.

The Broken HR:

Components of a  job search

Job postings

Resume

The Interview

Listen to Park I-Surviving Job loss

Job loss is a traumatic experience that can tear you apart. It is an emotional and traumatic experience that impacts your social, economic and psychological status quo. The workplace is not designed to help you recover from being UnChosen. Managers, recruiters, and friends don’t understand it and are unable to help you unless they have also been through the experience. This book is a guide through this journey from two authors who have experienced it several times and moved on to recovery. UnChosen discusses the impact through personal experience, chronicles the journey, and offers a path to recovery. It is a guide to surviving the new workplace where company loyalty is disappearing and career-minded workers need to become more self-reliant to survive. This book will help you understand what you are experiencing and how to emotionally prepare for moving your life forward from job loss. Greg and Peter have written their experiences to help you conquer those obstacles and become free again.

 

US Coast Guard Auxiliary: Boating Safety

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Special Guest

Richard Swan

Public Affairs Officer

United States Coast Guard Auxiliary 

joins The Housing Hour this week to promote boating safety and explain the role of the Coast Guard Auxiliary.

The mission of the Education Department of the US Coast Guard Auxiliary is two fold: to provide exceptional boating safety education to the American public with the aim of reducing loss of life, personal injury and property damage to recreational boaters; and to deliver the highest possible quality training, resources and timely materials in support of our flotilla instructors and public education staff officers at every level who are furnishing such boating safety education.

The Coast Guard’s Division of Boating Safety’s recent Strategic Plan identifies the need for measurable goals: reduction in boating accident injuries and fatalities. The Education Department is committed to focusing its attention helping realize those goals by reaching as many people with the safe boating information as possible, especially the high risk boaters. In addition, we have these goals:

  • Develop and/or maintain up to date and effective educational materials;
  • Continue to focus on the segment of the boating public most at risk Increase flotilla-taught basic boating safety education by 10% annually;
  • Provide and promote ongoing quality instructor development;
  • Make use of appropriate technological resources;
  • Adopt e-learning as a viable way to reach boaters;
  • Utilize e-learning to challenge and grow our instructor corps;
  • Partner with outside organizations where applicable to further boating education;
  • Continue to team with the experience and expertise of the other National Departments to provide solid programs and courses.
For more information on Boating Safety in Tennessee:
Tennessee Boating Laws and Responsibilities Handbook-
https://www.tn.gov/…/attachments/tn_handbook_entire.pdf

For Boating Safety Education in Tennessee-
https://www.tn.gov/twra/article/boating-safety-education

For Boating Safety Classes and Test Locations-
https://www.tn.gov/…/East-Tennessee-Testing-Locations

Richard Swan

Tennessee is where Richard calls home, having been born and raised in Knoxville; with family roots that go back many generations in East Tennessee. Richard graduated from Bearden High School and then the University of Tennessee with a degree in Broadcasting.

For most customers, the home buying experience is filled with questions and concerns about what is the best option for them. Richard enjoys helping customers work through their choices and come up with the best decision for their lives. You will enjoy an approach to home financing that focuses on what you want; putting your needs first.

Call Richard  today:

One Dog’s Faith: Tom Baker

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Special Guest

Tom Baker

joins The Housing Hour this week to discuss his inspirational book, ‘One Dog’s Faith.’ After financial hardship struck his business in 2012, Tom felt like his world was imploding. Desperately seeking peace and solace, he discovered his path back to God from the most unlikely source, his dog Mango. Tom shares how Mango lead him to Trust God and shed the destructive power of worry.

Buy now on Amazon:

One Dog’s Faith: Tom Baker

Tom Baker has worked in entertainment, radio and television for over 35 years. He graduated with a degree in Marketing from the University of Tennessee and has been a TV and radio writer & producer since 1987.  Work history includes an ad agency writer/ producer, a radio & television commercial writer/producer/editor, senior video editor for a various production companies, producing music soundtracks and choreographing fireworks shows, cable series producer/editor – working on shows for A&E, Discovery, Discovery, HGTV, Food Network, Travel Channel, DIY, GAC and the Cooking Channel. He is Executive Producer/Owner of a TV production company (Cobblestone Entertainment, LLC) in Knoxville, TN.

Tom, age 57, has been a musician since age 5, first playing piano and then switching to drums at age 8. He is also a published author and public speaker. Very active in his church, he plays drums in the contemporary worship band, teaches Sunday School to 8th and 9th graders and produces videos for the worship services and website. Tom and his wife, Michelle, of 19 years and four children (Carolyn, Sophie, Chloe and Cristian) love animals, They have 4 rescue dogs (including Mango), a rescue cat and a fish. He and his family enjoy hiking in the Smoky Mountains, camping and playing tag and board games past bedtime.

WVLT Channel 8

 

Ralph Perrey: THDA Executive Director

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Special Guest

Ralph Perrey

THDA Executive Director

 

joins The Housing Hour this week to give our listeners an update on the new $15,000 down payment program available across the State for specific zip codes. Ralph also explains the different THDA programs available and how Tennesseans can benefit from these first time home buyer programs.

Ralph Perrey: THDA Executive Director

Ralph Perrey assumed the executive director’s position in November 2012 following nine years’ service on THDA’s Board of Directors.

His tenure as THDA’s Executive Director has seen the agency revamp its mortgage products and down payment assistance program, establish the Housing CONNECT Team to interact with partners across the state, and launch the Rebuild & Recover program to help small communities hit by natural disasters. THDA has also been given responsibility for administering two additional federal programs – Weatherization and Energy Assistance.

Perrey also serves THDA’s national organization, the National Council of State Housing Agencies. He was elected as Secretary/Treasurer, becoming the first Tennessean to serve as an officer on the board.

Before joining THDA Perrey worked at Fannie Mae and on the senior staff of Tennessee Governor Don Sundquist.

 

UnChosen: Surviving Job Loss

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Special Guests

Greg Chambers and Peter Jones

joins The Housing Hour this week to discuss their new book, UnChosen: Surviving The Emotional Trauma Of Job Loss. Greg and Peter masterfully describe the emotional trauma inflicted on individuals and families from the sudden unexpected impact of job loss.  While explaining the tough feeling of shame, pain, and worthlessness, they also give a message of comfort and hope.

Join Kevin and Mark as they unpack the daunting story of the “UnChosen”.

Buy now:

Job loss is a traumatic experience that can tear you apart. It is an emotional and traumatic experience that impacts your social, economic and psychological status quo. The workplace is not designed to help you recover from being UnChosen. Managers, recruiters, and friends don’t understand it and are unable to help you unless they have also been through the experience. This book is a guide through this journey from two authors who have experienced it several times and moved on to recovery. UnChosen discusses the impact through personal experience, chronicles the journey, and offers a path to recovery. It is a guide to surviving the new workplace where company loyalty is disappearing and career-minded workers need to become more self-reliant to survive. This book will help you understand what you are experiencing and how to emotionally prepare for moving your life forward from job loss. Greg and Peter have written their experiences to help you conquer those obstacles and become free again.

 

 

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

 

 

Erik Ainge UT Spring Game Report

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Special Guest

Erik Ainge

of The Erik Ainge Show joins The Housing Hour this week to give our listeners an inside look at UT Vols spring practice and the upcoming Orange and White game. You don’t want to miss this in-depth look at coaches, players, and great stories from one of UT legends of the game!

The Erik Ainge Show can be heard on Sports Radio WNML  M-F 9am to Noon.

Also,  Erik and Johnny Majors will be LIVE at Tailgate Clothing in Market Square from 11 am-1pm on Friday, April 21st (Friday before the Orange and White Game).  Get an autograph and or picture, and while you’re there, please check out all of our Vintage Vols clothing!  They will also have specials that day.

The EA Show will be broadcasting LIVE from 9-Noon that day and then Erik will be hanging out afterward for photos and autographs. Don’t miss it!

 

 

USDA: Rural Housing Loans

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 Special Guests

 

Don Harris and John Prince

from Rural Development (USDA) are this week’s guests on The Housing Hour.  Don Harris is the Housing Program Director for Tennessee, and John Prince is the Guarantee Housing Coordinator.  Don and John join our discussion to explain the wonderful advantages of the 100% financing option available through Rural Development. Don also explains the Rural Housing Direct program and housing repair programs made possible for millions of Tennessee families.

Don and John also talk about the Number  One RD Lender in Tennessee for 2016:

Mortgage Investors Group!

Over 100,000,000 Dollars Closed Loans!

MIG: Number One Rural Housing Lender In Tennessee for 2016!

Property Eligibility

USDA Rural Home Loan

Do you know what a USDA rural loan is? FYI, if you aren’t familiar with the term, it has nothing to do with high-quality beef. USDA rural loans help moderate to low-income individuals buy homes, with 100% financing and NO down payment. You don’t need to farm or raise livestock for a living to get one of these home loans. In all seriousness, USDA rural loans are mortgages backed by the US Department of Agriculture that often apply to areas that aren’t so rural at all. Many people are obtaining USDA loans in neighborhoods that are considered suburban.

Invest in Your Future

These loans were designed to bring strength and capital to rural communities by offering loans, grants and loan guarantees that support economic and social development. USDA rural programs are responsible for millions of dollars of loans, creating jobs and wealth for communities across America. Right now, mortgage rates are very low, and with a USDA rural loans, they’ll get even lower. Click here for to see a list of all the Housing Hour’s podcasts on Loan Programs.

Single Family Direct Loans

To obtain a single family direct loan, the applicant must meet the minimum income requirements for the area in which they wish to purchase a home. Household income cannot be more that 115% of the median income for that area. Lenders will also look at your debt-to-income ratio when determining your eligibility.

With single family direct loans, many Americans who never thought they could afford loans, are buying their homes. This is fortunate for families with limited income or tight budgets. If you plan on working and taking care of your family, these loans can help you to quickly build equity and credit. Home improvements and additions can put money back into your pocket as well. Check out the Protect Your Family Series from the Housing Hour to get more ideas and tips on protecting your loved ones.

These loans apply to small towns only, with a population of fewer than 20,000 people. The buyer must also be using the property as primary residence, and have a good credit rating. In many cases renting can cost hundreds of dollars more than making payments on your home. This is good news for families that qualify for FHA mortgages but cannot cover the cost of the down payment.

Give this episode of the Housing Hour a listen for expert advice and information on USDA loans.

Knoxville Marathon

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Special Guest:

Tina Muir

Running For Real

And

Covenant Health Knoxville Marathon

 Jason and Kristy Altman.

Tina Muir

 is an elite runner.  Her PRs are 16:08 (5k), 33:24 (10k), 1:13 (Half Marathon), and 2:36 (Marathon). After growing the  Run to the Top Podcast to over 150,000 downloads per month,  she has gone after one of her passions; helping people to feel good about themselves, through a community called Running for Real.

Her website is devoted to helping YOU feel good about your running and who YOU are, so you too, can be the best YOU can be! She wants you to Be Brave. Be Strong. Be You!

Tina will share the ups and downs, the ins and outs of her training and what she is currently doing to be better. She prides herself on being real, so if you are looking for those perfect looking images of chiseled bodies who say how wonderful life is all the time, you are in the wrong place!

Tina promises you to be real, even if it means showing weakness or vulnerability.

Listen to the first 2 segments of our show today to hear Tina’s tips!

Also today:

Jason and Kristy Altman

Jason Altman is the Race Director for the Covenant Health Knoxville Marathon. The Covenant Health Knoxville Marathon is the Knoxville Track Club’s largest event.   He has served as the Race Director since 2007. Prior to that time, he served as a volunteer for the event in 2006 and ran the inaugural marathon in 2005. In his role,  Jason oversees all event operations including sponsorship recruitment, leading key volunteers, recruiting volunteers, and all race weekend logistics.

Jason also serves the community as the Chair of the Knox County Parks and Recreation Advisory Board and as a member of the City of Knoxville Greenways Commission.  He recently began service on the Active Communities Committee which is a partner group to the Community Health Council.

Jason is an accomplished runner with 4 wins at the Chickamauga Battlefield Marathon. In 2016, he won the Chickamauga Battlefield Marathon in November and then the Kiawah Island Marathon in December.  He has won several other events at various distances.

Jason was honored in  2014  as the recipient of the Greater Knoxville’s Business Journal 40 Under 40 and is a graduate of the Introduction Knoxville program through Leadership Knoxville.

Kristy Altman is the Executive Director for Knoxville Track Club. KTC is a nonprofit organization whose mission is to encourage lifelong physical well-being through running and walking. The vision is “Healthy living, healthy community – one step at a time.” In her role,  Kristy oversees all operations including 10 staff members, 1000s of volunteers, road and trail races, RunKNOX, social programming, youth programs including the newly formed Knoxville Youth Runs, Tennessee Sports Medicine Group Farragut Events and more. KTC’s largest event is the Covenant Health Knoxville Marathon. In addition,  Kristy founded Altman Consulting which offers communications and public relations services to local nonprofits and small businesses. She is a certified group exercise instructor through the American Council on Exercise and trained yoga instructor and taught locally for many years.

Kristy serves the community on various boards including the Community Health Council (Previous Chair), Leadership Knoxville (Board Member, Governance Committee Chair, and Facilitation Committee Member), United Way of Greater Knoxville, BikeWalk Knoxville Advisory Council, Rocky Hill Elementary PTO Board of Directors (Communications Chair), and various other committee commitments.  She is an Expert for the Alliance for Better Nonprofits and provides training and services for members. Kristy was previously a founding board member for Volunteer Knoxville and served as a mentor for tnAchieves for many years.  Kristy is a 2013 recipient of the Greater Knoxville Business Journal’s 40 Under 40 and a graduate of the Leadership Knoxville 2013 as well as the Fall 2010 Introduction Knoxville Program.