Consumer Credit: Credit Plus

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Special Guest

Randell  Brown

Regional Account Executive

Credit Plus, Inc

joins The Housing Hour this week to explain how consumer credit works and especially as it relates to credit scoring.. Randell also explains the meaning of FICO, Repositories  and what makes up credit scores.

If you shopping for a home today or in the near future, you don’t want to miss this important show.

 

“Credit Plus delivers the information and services mortgage professionals need to make smart lending decisions and help their clients. Our expertise enables us to deliver an extensive range of third-party verifications for every stage of the mortgage process – from pre-application to post closing. The Intelligent Insight we provide helps mortgage professionals mitigate risk, stay compliant, and build their business.

At Credit Plus, our motivation is not simply to be the largest verifications and information services company in the mortgage industry; rather, we are driven to be the best. We accomplish this by staying on the forefront of industry trends while marrying our customers’ needs with our experience and expertise. To that end – and by virtue of being privately held – we do not release details of our finances externally. We consider this integral to our competitive advantage. By keeping these details private, we are better able to protect our short- and long-term strategies. However, we can share with you that we are financially strong – our annual sales have quadrupled over the last few years; we are the largest privately held CRA; we have a national workforce exceeding 300 people; and we are one of the industry leaders in our space. 

A pioneer in the industry, we introduced three-bureau Undisclosed Debt Verifications; web-based credit reporting; and other innovative programs.

Today, Credit Plus offers more than 160 intelligent, time-saving products and services designed to help mortgage professionals succeed as they serve their clients better. Our expert customer support team operates like a consultant, guiding mortgage professionals toward more loan closings.”

 

Staying Healthy Part II

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Staying Healthy Part II

Kevin Rhea with training coach and friend Sharon Rivers

Host Kevin Rhea shares his personal experience in training and running both a half   and a full marathon in the Covenant Health Knoxville Marathon for 2017 and 2018.  Kevin walks our listeners through the physical and mental aspects of accomplishing such a  personal goal while staying true to his mission statement in life, “To live life to the fullest. I want to listen to God and make treasures of things he sees as treasures. That is people.  That means being the best husband, father, co-worker, uncle, friend, and employee that I can be.”

Get in shape join:

Kevin and created a video series chronicling his  commitment to  a training and the emotions that he goes through.

Check out Kevin’s website for the complete series:

KevinRhea.com


Kevin Rhea is the host of The Housing Hour and Senior Vice President of Mortgage Investors Group.  The Housing Hour can be listened to at www.TheHousingHour.com, or you can subscribe to our podcast on iTunes. if you are in East Tennessee you can listen on NewsTalk 98.7 WOKI on Saturday’s from 3-4 pm.  You can find out more about Mortgage Investors Group at www.MiGOnline.com

 

Smart Home Technologies Part III

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Special Guest

Reed  Kleinman

designer of the website, Smart Home Solver joins The Housing Hour to discuss their unique webpage that easily walks all levels of users through a series of simple steps to help them unlock the complexities of the different smart home gadgets available for there particular needs.   Their Solver is the ultimate tool for discovering which devices work together. In-depth comparisons and product reviews help you understand where you should spend your money to build the ultimate smart home.

Build a Smart Home in 30 Seconds!

A few of  their best posts for getting started include:
Watch their YouTube Videos:


 

 

Housing Trends For 2018

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Special Guest

Dr. Ralph DeFranco

Global Chief Economist,

Arch Capital Services,

joins The Housing Hour this week to give us an update on the US economic status as it relates to housing valuations, job growth pending tax changes. Dr. Defranco also explains the potential impact on our economy due to the proposed global tariffs.

Download (PDF, 2.39MB)

Last Segment Guest :

 Kim Miller

Account Manager at Arch Mortgage Insurance Company

discusses the role of the Mortgage Banker Association  and the upcoming Great River MBA Conference.

 

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.

First Time Home Buyer Program

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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  $15,000 down payment program available across the State for desingated  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.

Tax Cat-Business Expenses

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Special Guest

Evonne M. Kautz, EA

‘The Tax Cat’

joins The Housing Hour continue our discussion on how the new tax laws will affect businesses.

This week we discuss:

  • W2 Wage Earners Paid on Commissions
  • 2106 Schedule A
  • Business Expenses Deductibility
  • 1099 Commission Paid Individuals
  • QBID New Deduction 20% on -income qualified business income deduction-(based on guidelines)
  • Forming an S-Corp/C-Corp/LLC/Partnership

PDF Handouts:

  • National Association of Realtors Issue Brief on the New Tax Reform (including info & examples of the QBID deduction for 2018)
  • Deductibility of Transportation Expenses (3 pages from my Tax Bible, includes the chart I mentioned and helpful info on all subjects involving these expenses)

Download (PDF, 497KB)

Download (PDF, 216KB)

Listen to Part I

Evonne M. Kautz shares her 10 years experience including  Income Tax Return Preparation (Personal, Corporate, Non-Profit, State, and Amendments), Tax Planning, and Representation of Clients before the Internal Revenue Service.  Also, Small Business Services encompassing Bookkeeping, Payroll, State Taxation, Business Planning, and Notary Services.

 

 

The Tax Cat: Evonne Kautz

Find 5-Star Holdings, Inc on FaceBook

Educational Foundation

An additional part of 5-Star is its education program to teach taxpayers the basics of tax and the importance of tax planning.  Specifically for the military, Evonne travels to bases and units to teach these fundamentals with a focus on tax savings for service members. In the civilian community, she has shared tax tips for real estate agents and rental property owners, and even a class for college-bound students and parents about paying for/tax savings for the college years.

Evonne M. Kautz:

Evonne has been practicing in the tax field for 10 years in the Knoxville area, specializing in military and small business.  She holds the EA designation, an abbreviation for Enrolled Agent, earning the privilege of representing taxpayers before the Internal Revenue Service. Enrolled agent status is the highest credential the IRS awards and authorizes unlimited practice rights in tax matters such as audit, appeals, and collections.

Special Thanks:

Robert Carter

Big Thank You to MIG’s very own Robert Carter for connecting ‘The Tax Cat’ with The Housing Hour.

Apply Online @ CloseWithCarter.Com “Turning Contracts Into Closings.”

 

Chris Waddell – Elite Heating And Cooling

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Special Guest

Chris Waddell

Elite Heating and Cooling

joins The Housing Hour to discuss important changes coming to the heating and air business in a couple of years. These changes are impacting the industry currently and there are essential things you need to know!

Topics Today:

Contact Elite Heating and Cooling Today!

Address: 5729 Kentwood Rd, Knoxville, TN 37912

 

Download (PDF, 498KB)

Smart Home Technologies Part II

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Special Guest

Dr. Michael L. Simpson

Professor at The University of Tennessee joins The Housing Hour this week to continue our discussion on Smart Home Technologies.  Dr. Simpson brings his superior knowledge and quick, biting whit to make this one of the most informative and fun hours you’ll  spend in a long time.

Dr. Michael L. Simpson is the founding Principal Investigator of the Molecular-Scale Engineering and Nanoscale Technologies (MENT) Research Group currently located at the Oak Ridge National Laboratory and the University of Tennessee. He is the Thrust Area Leader for the Nanofabrication Research Laboratory that will be located at Oak Ridge National Laboratory’s (ORNL) Center for Nanophase Material Science (one of five Department of Energy Nanoscience Research Centers) that began construction in April 2003. He received a Ph.D. from the University of Tennessee (UT) in Electrical Engineering in 1991 and is now a UT/ORNL Joint Faculty Member.

Mike’s academic appointments are in the Materials Science and Engineering and Electrical and Computer Engineering Departments at the rank of Professor, and he is a participating faculty member in the Center for Environmental Biotechnology and Tennessee Advanced Materials Laboratory Research Centers of Excellence. His research interests lie at the intersection of physical and life sciences with a particular focus on the analysis and modeling of information transport in biological systems and the development of molecular-scale interfaces between whole cells and nanostructured synthetic substrates. Mike has authored more than 90 papers and holds nineteen patents.

His papers include Shaping carbon nanostructures by controlling the synthesis process, Frequency domain analysis of noise in autoregulated gene circuits, Alignment mechanism of carbon nanofibers produced by plasma-enhanced chemical-vapor deposition, Whole-cell biocomputing, Fabrication of dissimilar metal electrodes with nanometer interelectrode distance for molecular electronic device characterization, Rewiring the cell: synthetic biology moves towards higher functional complexity, and Accelerating Gene Regulatory Network Modeling Using Grid-Based Simulation.

His patents include Bioluminescent bioreporter integrated circuit devices and methods for detecting estrogen, Methods for cell-based combinatorial logic, Controlled non-normal alignment of catalytically grown nanostructures in a large-scale synthesis process, Individually addressable cathodes with integrated focusing stack or detectors, Integrated CMOS spectrometers, Ion beam profile analyzer with noise compensation, Charge trapping correction in photon detector systems, and Simultaneous CT and SPECT tomography using CZT detectors.

”.

The Tax Cat: Evonne Kautz

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Special Guest

Evonne M. Kautz, EA

‘The Tax Cat’

joins The Housing Hour this week to begin our newest and most important series(Thank you Robert Carter) on personal and business tax returns and planning. Evonne M. Kautz shares her 10 years experience including  Income Tax Return Preparation (Personal, Corporate, Non-Profit, State, and Amendments), Tax Planning, and Representation of Clients before the Internal Revenue Service.  Also, Small Business Services encompassing Bookkeeping, Payroll, State Taxation, Business Planning, and Notary Services.

Today’s Topics:

How does the new tax law affect you and your family?

Robert Carter

Big Thank You to MIG’s very own Robert Carter for connecting ‘The Tax Cat’ with The Housing Hour.

Apply Online @ CloseWithCarter.Com “Turning Contracts Into Closings”

Conventional, FHA, THDA, VA, Interest Only, First-Time Buyers, Rate/Term Refinancing, Cash Out Refinancing, Rural Development, New Construction, Land/Lot, Log Homes.

The Tax Cat: Evonne Kautz

Find 5-Star Holdings, Inc on FaceBook

Educational Foundation

An additional part of 5-Star is its education program to teach taxpayers the basics of tax and the importance of tax planning.  Specifically for the military, Evonne travels to bases and units to teach these fundamentals with a focus on tax savings for service members. In the civilian community, she has shared tax tips for real estate agents and rental property owners, and even a class for college-bound students and parents about paying for/tax savings for the college years.

Evonne M. Kautz:

Evonne has been practicing in the tax field for 10 years in the Knoxville area, specializing in military and small business.  She holds the EA designation, an abbreviation for Enrolled Agent, earning the privilege of representing taxpayers before the Internal Revenue Service. Enrolled agent status is the highest credential the IRS awards and authorizes unlimited practice rights in tax matters such as audit, appeals, and collections.

 

Smart Home Technologies Part I

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Smart Home Technologies

are changing how we live. A few years ago,  Smart Home  Technologies were about ‘lights and locks,’ but innovation in smartphone apps and Personal Attendants such as Amazon Alexa and Google Home have evolved to be so much more.

Kevin and Mark embark on a  multi-part series discussing the future of  Smart Home Technologies.