Tom White- TFW Appraisal Services- Talks Values

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Special Guest

Tom White

TFW Appraisal Services

joins The Housing Hour this week to share his 30 plus years of appraisal experience. Tom explains market values and submarket conditions across the region and  what the future might hold for  the  apprisal  industry.

You don’t want to miss this experts opinion!

Tom White- TFW Appraisal Services- Talks Values

How To Contact Tom
By Phone: 8652200200 (Office)
By Fax: 8652200730 (Fax)
By e-mail: tntom55@hotmail.com
Address: TFW Appraisal Services
139 W Madison Ln
Oak Ridge, TN  37830-5310

 REASONS TO GET AN APPRAISAL

Every year, countless people in the United States buy, sell or refinance their own slice of the American Dream.  Most, if not all, of these transactions include a simple line item for an appraisal.  It has become an understood and accepted part of a real estate transaction.  “Let’s bring in the expert and make sure we’re not spending too much on this property.”

But is this the only reason to get an appraisal? Are there other times when the services of a certified, licensed, independent real estate professional might come in handy?  You bet.

PURCHASE OF A HOME
One of the most important issues involved in purchasing a property is developing an opinion of what it’s worth so that you can make an informed offer to purchase.  A professional appraisal report performed by a qualified, state-licensed appraiser can provide you with an objective, third party opinion of a property’s current Market Value.  And for the small price of this service, you can give yourself “peace of mind” prior to making an offer to purchase that you’re offering a fair price for the property.

REFINANCE OR GET A HOME EQUITY LOAN
If you need to consolidate bills, have a college tuition to pay, or just want to tap into the equity of your home, you’ll need a new loan, which oftentimes requires a new appraisal of the property.

PMI REMOVAL
Private Mortgage Insurance or PMI is the supplemental insurance that many lenders ask home buyers to purchase when the amount being loaned is more than 80% of the value of the home. Very often, this additional payment is folded into the monthly mortgage payment and is quickly forgotten. This is unfortunate because PMI becomes unnecessary when the remaining balance of the loan – whether through market appreciation or principal paydown – dips below this 80% level. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.

Many appraisers offer a specific service for home owners that believe they have met the 80% loan-to-value metric. For a nominal fee, the appraiser can provide you with a statement regarding the home value. Some will even take the next step and help you file a challenge with your mortgage company. The costs of these services are very often recovered in just a few months of not paying the PMI.

DIVORCE SETTLEMENT
A divorce can be a particularly traumatic experience for both parties and is often further complicated by the difficult decision of “Who gets the house?”.  In most divorce cases, the Court won’t usually force the parties involved to “buyout” the other party’s interest but it may however order the sale of the home so each party gets an equal share of the equity.  Regardless of the situation, it’s a good idea to order an appraisal so both parties are fully aware of what the true market value is.

If the parties want to sell the home, they’ll have a better idea of what price to set.  And on the flipside, if a “buyout” is the chosen option, both parties will feel like they’ve gotten a fair assessment.

ESTATE LIQUIDATION
The loss of a loved one is a difficult time in life and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the residential property involved.  The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the fullest degree of discretion.

Unlike many wealthy individuals, the majority of Americans do not have dedicated estate planners or executors to handle these issues.  Also, in most cases, a home or other real property makes up a disproportionate share of the total estate value.

Here too, an appraiser can help.  Often the first step in fairly disposing of an estate is to understand its true value.  Where property is involved, the appraiser can help determine the true value.  At this point, equitable arrangements can more easily be arrived at among disputing parties. Everyone walks away knowing they’ve received a fair deal.

RELOCATION
We understand the stress involved with an employee relocation.  We take great care in establishing a convenient appointment time for the appraisal inspection. During our thorough inspection, we encourage relocating employees to provide input on the positive attributes of their property along with information about any recent sales or listings in their neighborhood that they want considered.

HOME IMPROVEMENTS TO ADD VALUE
Before you decide to sell your home, there are several decisions to be made. First and foremost: “How much should it sell for?”  But don’t forget there may be other equally important questions to ask yourself such as “Would it be better to paint the entire house before we sell it?”, “Should I put in that third bathroom?”, “Should I complete my kitchen remodel?”  Many things which we do to our houses have an effect on their value.  Unfortunately, not all of them have an equal effect. While a kitchen remodel may improve the appeal of a home, it may not add nearly enough to the value to justify the expense.

SELLING A HOME
Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a better educated decision when determining your selling price.

Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for.  It’s easy for them to step in and give you the information to help you make your decision.  Appraiser fees are based on efforts to complete the report and not a percentage of the sales price. So seeking a professional appraisal can often help homeowners make the best decisions on investing in their homes and setting a fair sales price.

How To Contact Us
By Phone: 8652200200 (Office)
By Fax: 8652200730 (Fax)
By e-mail: tntom55@hotmail.com
Address: TFW Appraisal Services
139 W Madison Ln
Oak Ridge, TN  37830-5310

Gouffon Moving And Storage

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Special Guest

Eddy Lewis

Sales Manager

Gouffon Moving and Storage

joins The Housing Hour this week to discuss the 130 year anniversary of Gouffon Moving and Storage. Gouffon’s humble beginnings started in downtown Knoxville in the late 1800’s, hauling supplies from the railroad depots to surrounding business.  Gouffon is one of Knoxville’s oldest continuous businesses and possibly one of the oldest moving companies in  America.

Eddy’s sales experience can be traced to one of the countries first premiere TV shopping networks-Shop At Home -where he teamed up with mega personality, Don West, to sell sports memorabilia resulting in explosive, entertaining segments. So entertaining, Lorne Michaels with Saturday  Night Live, a follower of the TV sales segement,   found Don and Eddy so funny, he decided to include them as a skit on SNL with actors Will Ferrell (playing Don West) and Chris Kattan (Playing Eddy Lewis). (See videos below)

 

 

Gouffon Moving and Storage

Times and equipment may have changed, but the Gouffon Moving & Storage Co. tradition of quality moving and storage has remained the same for 130 years. As Knoxville’s oldest continuously owned and operated family business,  they welcome the opportunity to cultivate and develop with you the same personal relationship they have enjoyed with thousands of area customers.

  • Fully Licensed and Insured
  • Hourly or Flat Rate Pricing
  • Meet or Beat Price Guarantee
  • Full-Time Employees Only on Staff
  • Checked with Nationwide Drug and Criminal Screening
  • Guaranteed Pickup and Delivery Dates
  • Backed by Our Industry-Exclusive “$500 Performance Guarantee.”
  • 100 Percent Performance Track Record!

Gouffon Moving & Storage Co. enjoys our solid reputation with the greater Knoxville community, and they always do their best to reach out and give back, by working with local charitable and community service organizations.

Eddy Lewis and SNL!

Will Ferrell (plays Don West) and Chris Kattan (Plays Eddy Lewis)
Don West and Eddy Lewis were a Shop at Home Network team- years ago- selling sports memorabilia.
Lorne Michaels used to watch the segment on Shop at Home Network and thought it would make a great skit.

The Real Don West and Eddy Lewis:


 

 

Remembering The USS Forrestal

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Special Guest

Gregory A. Freeman

the author of “Sailors To The End: The Deadly Fire on the USS Forrestal and the Heroes Who Fought It” joins The Housing Hour this week to discuss the 50th Anniversary of the deadly explosions and fire that occurred on the flight deck of the aircraft carrier USS Forrestal on July 29, 1967.

Mortgage Investors Group’s very own Bob Thompson was on board that fateful day when 134 sailors lost their lives.

Gregory Freeman explains the series of catastrophic events that caused a Zuni rocket to mistakenly fire and cut through John McClain’s plane spilling hundreds of gallons of highly volatile jet fuel on the flight deck and dislodging one of his 1000 pound, WWII era, bombs. The result was nine horrific explosions and raging fires that killed 134 men and wounded hundreds of others.

We pay tribute to those who died:

The Virtual Wall

 

Order your  copy today:


Gregory A. Freeman

Gregory A. Freeman is an award-winning writer with more than 25 years experience in journalism and nonfiction. Known for writing narrative nonfiction that makes a true story read like a gripping, fast paced novel, Freeman’s latest work is The Gathering Wind: Hurricane Sandy, the Sailing Ship Bounty, and a Courageous Rescue at Sea, released October 29, 2013, by New American Library, an imprint of Penguin Books. This book tells the story of the tall sailing Bounty, which was lost off the coast of North Carolina during Hurricane Sandy in October 2012. Answering many of the questions prompted by that terrible loss, The Gathering Wind is a compelling drama about the crew, the Coast Guard rescuers, and the investigations that followed.

Freeman’s earlier book The Last Mission of the Wham Bam Boys tells the story of a World War II bomber crew that is shot down over Germany and then lynched by local townspeople, leading to the first war crimes trial after the conflict ended. Kirkus Reviews called it “A chilling tale” and “a riveting narrative.”

Freeman published Troubled Water: Race, Mutiny and Bravery on the USS Kitty Hawk in September 2009, also with Palgrave Macmillan. Troubled Water tells a little known story of a race riot on the carrier Kitty Hawk in 1972, focusing on the two senior officers who will determine whether this already tragic episode ends peacefully or spirals down into one of the darkest moments in Navy history. Just prior to that, Freeman co-authored a book with Col. Larry C. James, the U.S. Army psychologist who was sent to stop the abuse at the notorious military prison in Abu Ghraib, Iraq. Fixing Hell: An Army Psychologist Confronts Evil at Abu Ghraib , released in August 2008, tells the harrowing tale of a man struggling to be both a military officer and a medical professional, while also revealing previously unknown details about the prison scandal and how the system was improved.

Prior to Fixing Hell, Freeman’s most recent book was The Forgotten 500: The Untold Story of the Men Who Risked All for the Greatest Rescue Mission of World War II. Like his other books, The Forgotten 500 reads like a fast-paced novel but tells a fascinating true story — this time, the amazing rescue of airmen trapped behind enemy lines in Nazi-occupied Europe.

Critics hailed Freeman’s recent book, Sailors to the End: The Deadly Fire on the USS Forrestal and the Heroes Who Fought It, published by William Morrow, as an example of master storytelling. In Sailors to the End, Freeman tells the story of the young men aboard an aircraft carrier in 1967, following their life-and-death struggles through an accidental fire that threatens to destroy the world’s most powerful ship.

Freeman also wrote Lay This Body Down: The 1921 Murders of Eleven Plantation Slaves. In this true story, Freeman paints a vivid picture of a plantation run with slave labor 56 years after the Civil War. Prior to Fixing Hell, Freeman’s most recent book was The Forgotten 500: The Untold Story of the Men Who Risked All for the Greatest Rescue Mission of World War II. Like his other books, The Forgotten 500 reads like a fast-paced novel but tells a fascinating true story — this time, the amazing rescue of airmen trapped behind enemy lines in Nazi-occupied Europe. Freeman has now released an E-chapter addition to book entitled Red Tails: The Tuskegee Airmen and Operation Halyard.

Freeman’s work also appears in Reader’s Digest, Rolling Stone, World War II, American History, and many other publications.

Freeman’s books are scrupulously researched and entirely factual, yet they read more like novels because he weaves the personal stories of his subjects into a compelling narrative. For the book about the aircraft carrier, Freeman spent two years interviewing surviving crew members and poring through Navy records, including some the Navy did not want to release. Through his contacts in the Navy, he was able to visit an active duty aircraft carrier at sea for first-hand research.

Freeman has won more than a dozen awards for his writing, including the coveted Sigma Delta Chi Award for Excellence from the Society of Professional Journalists — twice in five years. He received his degree from the University of Georgia in Athens, worked for The Associated Press in Atlanta, and spent several years as executive editor of a publishing company. He then became a freelance writer and continues to to write for a number of publications.

Freeman is represented by Mel Berger of the William Morris Agency in New York. He lives in Roswell, Georgia, with his wife Caroline.

Tennessee Number One In Small Business Job Growth

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Special Guest

Jim Brown

Tennessee State Director for the National Federation of Independent Business (NFIB)

joins The Housing Hour this week to discuss Tennessee’s number one ranking for small business job growth! Jim explains several factors that make up the top ranking.

Show topics include federal and state political issues,   corporate taxes reform,  national health insurance debate and much more.

National Federation of Independent Business (NFIB) is the nation’s leading small-business advocacy association.

Jim  assumed his role in 2007 after serving as NFIB Senior Media Manager in 10 states across the South, including Tennessee, since 2004.  His responsibilities as State Director include lobbying on behalf of NFIB/Tennessee’s members, as well as overseeing small-business grassroots activity across Tennessee and serving as NFIB/Tennessee’s media spokesperson.

Before joining NFIB, Jim was the corporate communications director at Gaylord Entertainment and the business editor of The City Paper in Nashville.  Jim served in the U.S. Navy as a Supply Officer on a nuclear cruiser out of Norfolk, Virginia, overseeing four separate divisions.

Jim is active with causes dedicated to wiping out cancer and is an executive board member of Gilda’s Club Nashville, a cancer support group. He is a volunteer at Room in the Inn and served on the boards of Junior Achievement Middle Tennessee and Prevent Blindness Tennessee. He graduated from Vanderbilt University with a bachelor’s degree in communication in 1987.

NFIB’s mission is to promote and protect the right of its members to own, operate and grow their businesses.

 

 

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.