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ovgallery · 4 years ago

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Advance loan Storage in Norcross, GA In Which Consumers Learn Money Approvals

OV Gallery Advance loan Storage in Norcross, GA In Which Consumers Learn Money Approvals

Advance loan Storage in Norcross, GA In Which Consumers Learn Money Approvals

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Advance loan Shop in Norcross, GA

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Jim Sattler furnished to Erlanger panel

James F. Jim Sattler, a vintage ceo of emj Corp., and partner that is definitely normal plans growing, features accompanied the 11-member panel of trustees that manages the Erlanger overall health process.

Hamilton region city manager Jim Coppinger designated Sattler to a 4-year name with the aboard that directs Chattanoogas largest clinic.

Sattler furthermore earlier supplied to get an administrator using Tennessee home department that is creating and operations as commissioner of both Chattanooga home power and Chattanooga area Land Bank table, which is a co-employee associated paydayloansnc with local Board of advisors of SunTrust financial.

Jim has made their own mark-on all of our sales by helping as Signature gift suggestions co-chair in terms of kiddies and those are very efficient hospital at Erlanger structure plan, Erlanger Chief Executive Officer Kevin Spiegel documented.

Hamilton region costs alliance at 2.65 percent price

Bolstered through a get which leading all three union score firms, Hamilton County listed a record $195 million of ties at a nice-looking 2.65 % interest rate Tuesday.

Hamilton region gran Jim Coppinger encourages a presenter towards your podium within a break fast this is really legislative, Jan. 4, 2018, through the entire Doubletree resort in Chattanooga, Tenn.

The relationship concern pays for $ probably110 million of school design work in Hamilton state, like two education which are new and take a new $20 million county prison. The borrowing that’s beneficial perhaps valuable the district re-finance many the monetary obligation and save yourself yourself a lot more than $300,000.

Seven financial institutions place a bid to the capability to choose the bonds and also the being victorious quote was by Citigroup Global opportunities.

we certainly have previously been incredibly satisfied utilising the site hyperlink between modern building a quote, this might be a brilliant fee in todaya€

s existing rate of interest market, claimed Lauren Lowe, controlling manager for PFM Financial experts, which aided Hamilton region basically you need to take the leading connection issue ever before towards your industry today.

City manager Jim Coppinger reported the connection that’s advantageous and expense is an additional example of all of our traditional monetary strategy for managing.

The collaboration price is actually awaited be done by the completed in the case of one month.

Pay check loan company pro might be regulator

The past CEO of a payday home mortgage loans companies which was under reports a result of consumer financing Protection agency enjoys likely to be considered when considering greatest projects inside watchdog agency, The Associated media offers receive.

Such type of want has-been extraordinary within the a long time as soon as the organisation ended up getting managed through the Obama appointee and regularly qualified creditors which can be payday. The CFPB started a survey into lending practices at planet popularity. On Jan. 22, the moving forward company stated the research ended up being in reality completed without enforcement action. They reported President Janet Matricciani experienced resigned after 2 1/2 a very long time simply because place.

a couple of days afterwards, Matricciani delivered a get in touch with in regards to what is it seems that Mulvaneys particular email address contact information website information to presentation by by herself as a job choice to maneuver the CFPB.

That much better all of them take care of her everyday lives? Matricciani penned to the CFPB management than us is aware the necessity to relieve buyers respectfully and truthfully, combined with equivalent have to provide loan to reduce profit subscribers to promote.

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life-in-every-limb · 6 years ago

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John and I were married thirty years ago today, at 12:30 p.m. to be precise. To celebrate our anniversary and to reflect on what all those years have meant, I am sharing one picture from each year, with commentary.

August 12, 1989, as we emerged from Immaculate Conception Church in downtown Knoxville, immediately after the ceremony. Like any newly married couple, we were starting a journey that we couldn’t have imagined or predicted. We were 23 and 22 when this picture was taken.

April 1990, at the Tidal Basin in Washington, D.C. John and I met at Georgetown University, and lived in Alexandria, Virginia just outside D.C. for most of our first year of marriage. John, who graduated in 1988, was already working as a Federal Investigator and I found a job as Secretary of Georgetown’s Department of History.

Fall 1991. A lot happened in a year and a half! We learned we were expecting our first baby. We decided to move to Knoxville to establish residency so John could attend the University of Tennessee College of Law. We left good jobs in D.C. for no jobs in Knoxville and settled into a two-bedroom apartment, I found a job as Secretary of the Liberal Arts Advising Center. John worked in the UT Traffic Office by day and sold shoes at Proffitt’s (a local, now defunct department store) by night. Emily was born in February 1991, and John started law school later that year. We have never regretted this decision.

February 16, 1992, dressed to go out to celebrate our 5th dating anniversary. We still celebrate that day every year. At this point we were living on a combination of student loans and part-time jobs. John was making fundraising phone calls for Tennessee Right to Life and I was the Foster Care Promotional Coordinator for Sertoma Learning Center. Later that year John started working as a law clerk. Childcare for Emily was cobbled together: my little sister watched her all summer, my grandmother helped once my sister was back in school, I brought her with me when possible, and she spent one day a week in a Parents Day Out downtown. I hated having to leave her.

July 1993, New Orleans, where we were taking part in Katrice and Rico’s wedding. Katrice was one of my best friends in high school. She and Rico are godparents to our oldest son, and we celebrated their son��s college graduation with them earlier this month. What I remember about this day is that I was hot and miserable and suffering from morning sickness. John was getting ready to start his third year of law school and I was preparing to return to grad school and my Graduate Assistant position in the College of Liberal Arts.

May 1994, John’s graduation from law school! I love this picture. We were very popular in law school because students with babies were rare and ours were spoiled by all our friends. Jake was three months old when John graduated. And he was four months old when we found out we were expecting another baby, just days before John took the bar exam. Thankfully he passed and landed a job in Oak Ridge reviewing OSHA regulations shortly afterwards. I was able to quit my job and have never worked outside the home since.

Easter 1995, a classic picture and one of my favorites of all time. Teddy arrived when Jake was 12.5 months old. He had only learned to walk about two weeks earlier. Two babies at once were a lot to handle and most of that first year is a blur.

Christmas 1996. We still had two babies in diapers (and two cribs!) but we also had our first house! A year in a dreadful two-and-a-half bedroom apartment after Teddy arrived spurred us onward to home ownership and we loved our sweet 1940s house in South Knoxville.

Halloween 1997. The kids were two, three, and six. They spent most of their time outside, and I spent a lot of time outside as well, having discovered a love of gardening. By now John had his own solo practice, and I did (and still do) very part-time grant writing and editing for my mother’s non-profit organizing work.

February 4, 1998, John’s 32nd and Emily’s 7th birthday celebration. Looking back now, those years of being overwhelmed by the needs of little kids seem like the golden years. It was hard, but it was simpler.

February 1999. The date is a guess, but this was taken at a restaurant at what was probably a birthday celebration and we have four of those at this time every year. I make a lot of cakes for awhile!

January 2000, dressed for church. Teddy’s hat came from a New Year’s Eve celebration John and I had attended at Club LeConte.

March 2001. And then there were four! The arrival of William was exciting but rough, as I had postpartum hypertension and had to remain in bed for about a month after he was born, with ten-year-old Emily taking care of her brothers when John was at work. We were beginning to be very cramped in our 1400 square foot house and our Mercury Sable. Both were replaced later in the year.

Christmas 2002. When the big kids were little, every December meant a trip to the portrait studio for Christmas pictures to insert in our Christmas cards. By this time I was taking a roll of film with my own camera and then sending triple prints. The closest family members got the worst pictures! Here the kids are standing in front of the house where we had lived for just over a year, a 3000 square foot Queen Anne Victorian built in 1889, in a non-gentrified but walkable neighborhood just a couple of miles from John’s office downtown.

August 2003, the big kids’ first day of school. It was the last year they would all attend St. Joseph School together. Jake was in third grade, Teddy in second, and Emily in sixth, but Jake and Teddy were both homeschooled for their fourth grade year.

November 2004, Lorelei’s first trip to church. We didn’t know it then, but she would be our last baby and the last family member to get to wear John’s heirloom baby dress.

Christmas 2005 marked the end of a hard year that included periods of unemployment, financial difficulties, and John’s hospitalization. Looking back now I can see that it was the only beginning of the most difficult period in our family’s life so far.

September 2006, celebrating my mother’s birthday. This photo includes Ella and Zachary, my sister Anne’s children. Ella is 17 months younger than William and Zachy is 17 months older, and they grew up playing together.

Spring 2007. William is wearing his St. Joseph School uniform. Kindergarten was his only year in Catholic school. He spent the next year at the public school down the street, then was homeschooled for several years while I struggled to figure out why he wasn’t as easy to teach as Jake and Teddy had been. We called the back stairs in our kitchen the “snack steps” because that’s where I would sit the little kids to eat something while I was cooking. You can see evidence in this picture that our old house was starting to crumble a bit.

May 2008, Jake’s graduation from 8th grade, taken next to Holy Ghost Church. We were all smiles, and very proud of Jake who graduated with straight A’s and won some academic awards, but I was putting on a brave face. The day before this I was in the hospital undergoing outpatient surgery after having miscarried our last baby.

November 2009. I’m not sure who snapped this picture of John and me the afternoon of our move into a new home. It wasn’t a happy move, springing from financial necessity of being upside-down on the mortgage of our disintegrating but much-loved Victorian home. But I love that the picture shows us supporting each other.

May 2010, Jake’s first prom. I love this picture for the personality it shows, but also because it was a bright spot in an otherwise difficult stretch where John and Jake (who have a great relationship now) did not get along well at all. Something else noteworthy about 2010 is that it is when I became John’s legal assistant, working from home to run his office.

September 6, 2011. Our rental house had just burned down and we lost almost every material possession. Thanks to the overwhelming kindness of our family and community, we were able to move into the home in which we still live three weeks later.

Fall 2012, Senior Night. John and I are not athletic, and our kids showed no interest in sports until Teddy wanted to play football in 8th grade. It was all new and exciting to us and we thoroughly enjoyed those few years as football parents.

May 2013, Emily’s college graduation. Emily attended Spring Hill College in Mobile, Alabama, graduating with a degree in Creative Writing. We thoroughly enjoyed our many visits to Mobile, where my mother’s family has roots, especially the seafood! Just a couple of months later, we sent another kid off to college as Teddy began his freshman year at the University of Notre Dame.

August 12, 2014, a 25th anniversary selfie. This was taken at Club LeConte, a fancy restaurant on the 27th floor of Knoxville’s tallest building.

July 2015, in a Chicago skyscraper more deserving of the name. We were in town to attend a wedding and to visit Teddy, who was doing a summer internship there.

March 2016, a Spring Break trip to Chattanooga. Traveling was starting to get easier. On our last family trip with all five kids, we had to take two cars and book three motel rooms.

May 2017, Teddy’s graduation from Notre Dame.

March 24, 2018, our first wedding. Jake and Jessica were married at Frozen Head State Park. Six months later, they moved to Nashville.

July 2019, our first cruise. We sailed on Royal Caribbean’s Grandeur of the Seas to Bermuda, in honor of our upcoming anniversary. I haven’t blogged about the cruise but I plan to. It was wonderful and we deserved it.

“[Love] is the unity that binds us all together, that makes this earth a family, and all men brothers and the sons of God.” ~ Thomas Wolfe

The post Thirty Years: A Marriage in Pictures appeared first on Life in Every Limb.

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cataganu · 5 years ago

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buyherepayhereusa · 6 years ago

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Quality Cars and Auto Loans with Subprime Credit in Chattanooga, TN

How to Get a Quality Car with Subprime Credit

The search for the perfect car can sometimes be halted by poor or subprime credit. Loan providers might be hesitant to offer you loans or they might only offer you loans with bad rates. At Auto Simple, we want to help every driver get behind the wheel of a quality car no matter what their credit score may be. Keep reading to find out how you can get your next quality car with subprime credit at Auto Simple in Chattanooga, TN.

Read more: Is No Money Down Really a Good Deal When Buying a Car?

What is Subprime Credit?

As you look into financing options for your next vehicle, a lot of different terms tend to get thrown around that you might not be familiar with. Two of those terms are subprime credit and subprime borrower. Lenders will label individuals as a subprime borrower if they have a lower credit score that is below 670, have experienced credit issues like rejections or missed payments, or they have little credit activity previously.

Subprime Credit Financing Options

Being a subprime borrower can make finding loans and credit approval difficult and can often land you in a spot where you need to take higher interest rates. At Auto Simple we offer car loans to our customers no matter what credit history or financial situation they may be in. Our staff works with each customer to create a personalized financial package that will fit their financial needs and budget. When you shop at Auto Simple you can drive off the lot behind the wheel of a quality car with confidence knowing that your new car loan will help rebuild your credit without breaking the bank.

Read more: Benefits of Selling Your Car at Auto Simple

Shop at Auto Simple in Chattanooga, TN to find your next car, no matter what your credit score may be. Check out our online financing page to get the financing and credit approval process started then head over to our online inventory to view our lineup of in-stock vehicles.

The post Quality Cars and Auto Loans with Subprime Credit in Chattanooga, TN appeared first on Auto Simple.

from Auto Simple https://www.autosimple.com/blog/how-to-get-a-quality-car-with-subprime-credit/

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emarawork2015 · 6 years ago

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A Brief Summary On The Importance Of ALTA Survey

By Roger Miller

What is the ALTA survey? ALTA Survey Chattanooga Tennessee or Land Title Study is a far limit study that clings to the national benchmarks received by American Property Title Affiliation or National Society of Expert Surveyors once in the past the American Assembly on Reviewing and Mapping. It is explicitly intended to fulfill the specific needs of loan specialists, partnerships and title organizations for the improvement of business properties. On the rancid chance that a survey was required at the backing level, the current review can be refreshed with the extra prerequisites. While any authorized surveyor in the Province of Connecticut is lawfully ready to sign or survey, one should respect to an inspector who has involvement with Land Title overviews since this study will be investigated by lawyers for the loaning establishments and title insurance agencies. Inside and out research about the land history, easements profiting or hampering a stuff or future advancement, conceivable infringements over the limit or easement, watched proof of values, access to an open street, zoning difficulty, flood zones which may influence the property, proof of any utilization of the land through different gatherings, water limits inside the property, and proof of burial grounds. What were the new components in the current update? To remain the best and perceived overview standard, the review principles must be refreshed each pair of years. The previous update has been directed in 2016 or the compelling date was February twenty third 2016. Since American Congress on Looking over and Mapping was converged into the Nationwide Society of Professional Surveyors. An ALTA survey was the most perceived study for business land obtaining broadly. It will enable you to survey the genuine estimation of possessions, secure your speculation and console your loan specialists. This study will be a standout among the most essential bits of paper you would possess with obtaining of the belongings, so finding the correct surveyor is critical. Employing an accomplished firm spent significant time. It was arranged as per the measures determined by the Land Title Affiliation and the American Gathering of Reviewing or Mapping. An ALTA Overview demonstrates the limits of the stuff, the area of enhancements for the subject possessions, including all structures, wall, utility lines, streets, and so on, alongside the area of any or all easements. This was a standout among the most point by point studies accessible. ALTA represents American Land Title Affiliation. It determines the information to have appeared on the overview and this incorporates limit lines, an area of a primary structure including enhancements, area of auxiliary structures, the ID of easements get to rights by administration organizations, for example, water, gas, phone, railroads and different utilities. ALTA surveys were boggling reviews. This is to be performed at whatever point a bit of business property is being renegotiated or trading hands. This is on the grounds that business buys frequently accompany certain review hazards that may incorporate limit line debate, infringements, or different conditions as well as conditions, for example, easements or cases of easements not established in open records. That data can frequently represent the moment of truth a securing or if nothing else convoluted issues enormously. Normally, in the Territory of Connecticut, the overview could be required in accompanying circumstances. They are getting business but of property and an affirmation asked by home loan banks can be seen in all the following areas of this article that are obscure at the season of procurement the last name of it was changed to this and the abutting properties proprietors names from land title issues.

About the Author:

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aaltjebarisca · 6 years ago

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Places Where People Pay Their Student Loans on Time

A perfect payment history on a student loan is a powerful thing. It could help you qualify for cosigner release with your private lender. Better yet, it could pave the way for student loan forgiveness via the federal government.

For many borrowers, however, making every single payment on time and in full can be difficult. Due to accruing interest, increasing payments and common snafus like a job loss, it’s not always possible to stay perfect.

But tell that to borrowers in the western U.S.

We analyzed which of 100 major metropolitan areas had the highest rates of resident borrowers with perfect payment histories — meaning they were never late on a single payment. We found that six of the top eight places represented Utah, California and Washington.

Below are our study’s full results.

Key takeaways: Student loan debtors in Provo, Utah, have the best record when it comes to paying their student loans on time: 85.6% of borrowers there have never been late on a bill. San Jose, Calif., and Madison, Wis., followed in second and third place, with 84% and 83.1% of student loan borrowers, respectively, sporting perfect payment histories. Zooming out, we saw California cities take 4 of the top 6 spots among our rankings. Western region cities overall grabbed 6 of the top 8 places. On the other end of the spectrum, borrowers in the South were the most likely to struggle. Nine of the bottom 10 metro areas with the lowest percentage of prompt repayers hailed from Mississippi, Florida, Tennessee and North Carolina. Jackson, Miss. has the lowest rate of perfect student loan payment histories, at just 71.8%. The Lakeland-Winter Haven, Fla., metro area and Daytona Beach, Fla., tied for second to last place, as only 74.9% of student loan borrowers in each of those metros have perfect payment histories. Phoenix, Ariz., and Wichita, Kan., represent the average: They tied to rank 50th among the 100 metro areas we studied, each with 79.2% borrowers hitting their payment deadlines. Places where borrowers usually pay their student loans on time

1. Provo, Utah

Borrowers with perfect payment histories: 85.6%

Provo sits atop our rankings, as almost 9 out of 10 residents there haven’t missed any student loan payments. It helps that its residents don’t borrow as much for school as their peers in other states: Utah ranks 50th in the U.S. with an average per-student loan debt of $18,838, according to The Institute for College Access and Success (TICAS).

Ogden, Utah, (42) also cracks the top 50 in our rankings, possibly because the Beehive State as a whole — besides having a lighter average debt load — has a smaller percentage of students carrying debt. Only 38% of Utahans are burdened by education loans, also the smallest proportion in the nation, according to TICAS.

2. San Jose, Calif.

Borrowers with perfect payment histories: 84%

The first of four California metro areas to fall into our top 10, San Jose might not be a surprise. The Silicon Valley hub is home to high-wage earners who manage their student loan payments right alongside the country’s highest cost of living: It’s 160% more expensive to live in San Jose than it is in the average American city, according to Sperling’s Best Places index.

Having a degree helps when seeking a high-paying tech job. About 64% of California students graduate from college within six years, according to the Chronicle for Higher Education, the ninth-best mark in the country.

3. Madison, Wis.

Borrowers with perfect payment histories: 83.1%

Madison, home to the University of Wisconsin, checked in third on our list, thanks in part to its graduation rates. More than 65% of the 25-and-older residents here hold an associate, bachelor’s or master’s degree, according to the U.S. Census Bureau.

These degree holders are also finding jobs within the city more easily than elsewhere. Madison’s unemployment rate of 4.1% trumps that of the U.S. average (6.6%).

4. Oxnard, Calif.

Borrowers with perfect payment histories: 82.3%

The Southern Californian seaside city placed fourth in our rankings, narrowly beating Harrisburg, Pa. More than 82% of the residents here haven’t missed a student loan payment, either because they paid on time or enjoyed a respite such as a deferment or forbearance.

5. Harrisburg, Pa.

Borrowers with perfect payment histories: 82.2%

Students in Pennsylvania carry the second-highest average student loan debt in the union, a whopping $36,854. Two-thirds of these students leave school with debt, according to TICAS.

Of course, it’s easier to repay your debt when you have a degree that helps you land a salaried position. Pennsylvania students graduate within six years 62.9% of the time, the 11th-best mark nationally.

Pennsylvania is also represented by Allentown among our top 10.

Places where many borrowers don’t pay their student loans on time

100. Jackson, Miss.

Borrowers with perfect payment histories: 71.8%

There’s never just one explanation for a problem, but Jackson’s dubious distinction here could be at least partly related to the city’s unemployment rate. After all, it’s harder to stay current on your student loan balance without regular income. With this in mind, note that Jackson’s unemployment rate (12.4%) dwarfs that of the country’s average (6.6%).

In a similar study, Jackson was found to have the highest delinquency rates on education debt. More than 1 in 4 borrowers based here have fallen behind in repayment.

98. Lakeland-Winter Haven, Fla., and Daytona Beach, Fla.

Borrowers with perfect payment histories: 74.9%

Two of the three Florida metro areas in our bottom 10 — Lakeland-Winter Haven and Daytona Beach — drew a tie. About 1 in 4 of borrowers living here have missed at least one payment due date on a student loan.

That said, only half of Florida students leave school with debt, according to TICAS, so there’s a sizeable proportion of college grads in the state that don’t face this issue at all.

97. Toledo, Ohio

Borrowers with perfect payment histories: 75%

With high unemployment (10.8%) and middling graduate rates, it’s no wonder Toledo, Ohio, ranked 97th out of the 100 metro areas we studied.

Another factor working against the city: On average, University of Toledo 2017 graduates left campus $28,260 in the hole on their student loan debt. More than seven out of 10 grads from the school have debt to repay, according to TICAS.

96. Memphis, Tenn.

Borrowers with perfect payment histories: 75.1%

Double-digit unemployment is just one reason why Memphis rounds out the five metro areas with not-so-sterling track records in student loan repayment.

Also probably to blame is the fact that just 31% of 25-and-older residents hold a degree of some kind, compared with 39% nationally.

Dropping out could be at the root of the problem. Less than half of Tennessee students (47.9%) graduate from college within six years of starting their freshman campaign. That fact undoubtedly helped pushed Chattanooga (93rd) and Nashville (80th) down our rankings as well.

Paying student loans promptly: How the top U.S. metros compare

How to keep pace with your student loan payments

Setting up autopay is the simplest way to ensure you never miss a payment. It automatically sends your dues directly from your bank account to your lender or loan servicer. Enrolling also typically comes with an interest-rate reduction that subtracts your APR by 0.25%.

On the other hand, autopay might not be a feasible option if you’re struggling to make payments or just learning how repayment works. Depending on your stage of repayment, here are some strategies to help you keep pace:

If you’re new to student loans: Pay attention during entrance counseling as you borrow a federal student loan to learn how the repayment process works. For example, you typically receive a six-month grace period on your debt after you leave school, during which you don’t need to submit payments. The same goes if you’re considering taking out a private student loan. Get to know your (potential) lender to learn about your responsibility before reality hits. If you’re starting repayment: If you don’t remember the details of your federal loans’ exit counseling or haven’t touched base with your servicer or private lender, now is the time to open the lines of communication and get on the same page about next steps. Not sure how much you owe and to which lenders? Start by accessing your loan information via the National Student Loan Data System. If you’re struggling to meet your monthly payment: For federal loans, consider switching to an income-driven repayment plan or, in more serious situations, applying to pause your repayment via deferment or forbearance. Lowering your monthly payments with a private lender can be more tricky, so reach out to your lender to review your options. For more permanent fixes, consider two other levers you could pull to ease your repayment: budgeting to trim your expenses and climbing the career ladder (or starting a side hustle) to increase your income. Both strategies will give you more breathing room. If you’re ready to put your repayment into overdrive: With months or years of prompt payments under your belt, a credit score on the rise and steady income, consider student loan refinancing to lower your interest rate. That could potentially help you save hundreds or even thousands of dollars of interest during repayment. Refinancing would also allow you to consolidate your federal and private loans into one single debt with the lender of your choice. Just be sure you’re OK giving up the safeguards attached to your federal loans (such as pathways to loan forgiveness), as you’ll lose access to those if you refinance.

No matter where you stand in your repayment, there’s a way to avoid sinking. Choose the route that helps you stay prompt with your payments so you can leave delinquency, default and the extra cost behind.

Methodology

Using a sample of anonymized credit reports from June through August 2018 taken from over 435,000 My LendingTree users with student loan debt, we calculated the percentage of people who have never had a payment status of 30 days or more late on any loan during the period covered by the reports (usually six years).

Loans in deferment or forbearance were included in this data, meaning that some borrowers wouldn’t have had a payment due for every month during the period under review. Our data isn’t limited to students — it also includes parents and others who borrowed on behalf of students.

My LendingTree is a free credit monitoring service available to the general public, regardless of their debt and credit histories, or whether they’ve pursued loans on a LendingTree platform. My LendingTree has over 9 million users.

LendingTree is the parent company of Student Loan Hero.

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees Check out the testimonials and our in-depth reviews! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

Fixed rates from 3.899% APR to 8.074% APR (with AutoPay). Variable rates from 2.540% APR to 7.115% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.540% APR assumes current 1 month LIBOR rate of 2.49% plus 0.04% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. SoFi rate ranges are current as of March 11, 2019 and are subject to change without notice.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Important Disclosures for Earnest. Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.55% APR (with Auto Pay) to 6.97% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of February 27, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/21/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at [email protected], or call 888-601-2801 for more information on ourstudent loan refinance product.

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

FIXED APR Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

VARIABLE APR Variable rate options consist of a range from 3.48% per year to 6.30% per year for a 5-year term, 4.85% per year to 6.35% per year for a 7-year term, 4.90% per year to 6.40% per year for a 10-year term, 5.15% per year to 6.65% per year for a 15-year term, or 5.40% per year to 6.90% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.48% per year to 6.30% per year for a 5-year term would be from $181.83 to $194.73. The monthly payment for a sample $10,000 loan at a range of 4.85% per year to 6.35% per year for a 7-year term would be from $140.64 to $147.77. The monthly payment for a sample $10,000 loan at a range of 4.90% per year to 6.40% per year for a 10-year term would be from $105.58 to $113.04. The monthly payment for a sample $10,000 loan at a range of 5.15% per year to 6.65% per year for a 15-year term would be from $79.86 to $87.94. The monthly payment for a sample $10,000 loan at a range of 5.40% per year to 6.90% per year for a 20-year term would be from $68.23 to $76.93.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

4 Important Disclosures for LendKey. LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.

5 Important Disclosures for CommonBond. CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.5% effective February 10, 2019.

6 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2.48%. Variable interest rates range from 2.98%-9.72% (2.98%-9.72% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89%-9.99% (3.89%-9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents. 2.54% – 7.12%3Undergrad & Graduate

Visit SoFi

2.55% – 6.97%1Undergrad & Graduate

Visit Earnest

2.67% – 8.96%4Undergrad & Graduate

Visit Lendkey

3.23% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.69% – 7.43%5Undergrad & Graduate

Visit CommonBond

2.98% – 9.72%6Undergrad & Graduate

Visit Citizens

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.

The post Places Where People Pay Their Student Loans on Time appeared first on Student Loan Hero.

from Updates About Loans https://studentloanhero.com/featured/where-pay-student-loans-on-time/

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aaronsniderus · 6 years ago

Text

Places Where People Pay Their Student Loans on Time

But tell that to borrowers in the western U.S.

Below are our study’s full results.

1. Provo, Utah

Borrowers with perfect payment histories: 85.6%

2. San Jose, Calif.

Borrowers with perfect payment histories: 84%

3. Madison, Wis.

Borrowers with perfect payment histories: 83.1%

These degree holders are also finding jobs within the city more easily than elsewhere. Madison’s unemployment rate of 4.1% trumps that of the U.S. average (6.6%).

4. Oxnard, Calif.

Borrowers with perfect payment histories: 82.3%

5. Harrisburg, Pa.

Borrowers with perfect payment histories: 82.2%

Students in Pennsylvania carry the second-highest average student loan debt in the union, a whopping $36,854. Two-thirds of these students leave school with debt, according to TICAS.

Pennsylvania is also represented by Allentown among our top 10.

Places where many borrowers don’t pay their student loans on time

100. Jackson, Miss.

Borrowers with perfect payment histories: 71.8%

In a similar study, Jackson was found to have the highest delinquency rates on education debt. More than 1 in 4 borrowers based here have fallen behind in repayment.

98. Lakeland-Winter Haven, Fla., and Daytona Beach, Fla.

Borrowers with perfect payment histories: 74.9%

That said, only half of Florida students leave school with debt, according to TICAS, so there’s a sizeable proportion of college grads in the state that don’t face this issue at all.

97. Toledo, Ohio

Borrowers with perfect payment histories: 75%

With high unemployment (10.8%) and middling graduate rates, it’s no wonder Toledo, Ohio, ranked 97th out of the 100 metro areas we studied.

96. Memphis, Tenn.

Borrowers with perfect payment histories: 75.1%

Double-digit unemployment is just one reason why Memphis rounds out the five metro areas with not-so-sterling track records in student loan repayment.

Also probably to blame is the fact that just 31% of 25-and-older residents hold a degree of some kind, compared with 39% nationally.

Paying student loans promptly: How the top U.S. metros compare

How to keep pace with your student loan payments

Methodology

LendingTree is the parent company of Student Loan Hero.

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees Check out the testimonials and our in-depth reviews! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

4 Important Disclosures for LendKey. LendKey Disclosures

5 Important Disclosures for CommonBond. CommonBond Disclosures

Visit SoFi

2.55% – 6.97%1Undergrad & Graduate

Visit Earnest

2.67% – 8.96%4Undergrad & Graduate

Visit Lendkey

3.23% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.69% – 7.43%5Undergrad & Graduate

Visit CommonBond

2.98% – 9.72%6Undergrad & Graduate

Visit Citizens

The post Places Where People Pay Their Student Loans on Time appeared first on Student Loan Hero.

from Updates About Loans https://studentloanhero.com/featured/where-pay-student-loans-on-time/

0 notes

mikebrackett · 6 years ago

Text

Places Where People Pay Their Student Loans on Time

But tell that to borrowers in the western U.S.

Below are our study’s full results.

1. Provo, Utah

Borrowers with perfect payment histories: 85.6%

2. San Jose, Calif.

Borrowers with perfect payment histories: 84%

3. Madison, Wis.

Borrowers with perfect payment histories: 83.1%

These degree holders are also finding jobs within the city more easily than elsewhere. Madison’s unemployment rate of 4.1% trumps that of the U.S. average (6.6%).

4. Oxnard, Calif.

Borrowers with perfect payment histories: 82.3%

5. Harrisburg, Pa.

Borrowers with perfect payment histories: 82.2%

Students in Pennsylvania carry the second-highest average student loan debt in the union, a whopping $36,854. Two-thirds of these students leave school with debt, according to TICAS.

Pennsylvania is also represented by Allentown among our top 10.

Places where many borrowers don’t pay their student loans on time

100. Jackson, Miss.

Borrowers with perfect payment histories: 71.8%

In a similar study, Jackson was found to have the highest delinquency rates on education debt. More than 1 in 4 borrowers based here have fallen behind in repayment.

98. Lakeland-Winter Haven, Fla., and Daytona Beach, Fla.

Borrowers with perfect payment histories: 74.9%

That said, only half of Florida students leave school with debt, according to TICAS, so there’s a sizeable proportion of college grads in the state that don’t face this issue at all.

97. Toledo, Ohio

Borrowers with perfect payment histories: 75%

With high unemployment (10.8%) and middling graduate rates, it’s no wonder Toledo, Ohio, ranked 97th out of the 100 metro areas we studied.

96. Memphis, Tenn.

Borrowers with perfect payment histories: 75.1%

Double-digit unemployment is just one reason why Memphis rounds out the five metro areas with not-so-sterling track records in student loan repayment.

Also probably to blame is the fact that just 31% of 25-and-older residents hold a degree of some kind, compared with 39% nationally.

Paying student loans promptly: How the top U.S. metros compare

How to keep pace with your student loan payments

Methodology

LendingTree is the parent company of Student Loan Hero.

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees Check out the testimonials and our in-depth reviews! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

4 Important Disclosures for LendKey. LendKey Disclosures

5 Important Disclosures for CommonBond. CommonBond Disclosures

Visit SoFi

2.55% – 6.97%1Undergrad & Graduate

Visit Earnest

2.67% – 8.96%4Undergrad & Graduate

Visit Lendkey

3.23% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.69% – 7.43%5Undergrad & Graduate

Visit CommonBond

2.98% – 9.72%6Undergrad & Graduate

Visit Citizens

The post Places Where People Pay Their Student Loans on Time appeared first on Student Loan Hero.

from Updates About Loans https://studentloanhero.com/featured/where-pay-student-loans-on-time/

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prosperopedia · 6 years ago

Text

Tennessee Real Estate Contracts and Forms for Residential Homes

Living in Tennessee is a good decision for lots of reasons. There are several great places to call home in the Volunteer State. Whether you choose to live in some of the more populated areas around Nashville, Memphis, Knoxville, Chattanooga, and other thriving Tennessee municipalities, or if you prefer the country life in small towns intermingled between those metropolises.

If your plans for living in Tennessee involve owning a home or other piece of real estate there, you’ll want to be familiar with the contracts and forms that are used to sell and purchase real estate. I’ll review what those forms are and explain the context behind how the forms work.

To purchase land or a home in Tennessee, you’ll typically use the following forms and contracts:

Offer to Purchase Real Estate

Contract for the Sale and Purchase of Real Estate

Seller’s Disclosure

Lead-based Paint Disclosure

Protect Your Family From Lead in Your Home

If you are planning to use a real estate agent to buy or sell your property in Tennessee, you can expect that your agent will be familiar with these forms and contracts as well as any others that might factor into your particular situation. However, it is useful for anyone who is preparing to make important decisions regarding real estate transactions to fully understand the process, including the contracts and forms involved.

You can also buy or sell real estate in Tennessee by using an attorney or by executing the required documents yourself. If you are representing yourself in a real estate deal, such as with a For Sale By Owner (FSBO) sale or when you purchase a home without attorney or agent representation, you need to be extra familiar with how these forms work.

In this article, I will review the forms and contract listed above, which in the majority of cases are sufficient for transacting (either buying or selling) property in Tennessee. I will also point out areas where key decisions need to be considered with those documents. This explanation focuses on residential homes rather than commercial properties, which normally use different documents.

How A Typical Tennessee Real Estate Transaction Works

In the majority of real estate transactions in Tennessee, a person who wants to sell a home hires a real estate agent. The agreement between the selling party and the real estate agent is called an Exclusive Right to Sell Listing Agreement. This agreement identifies the property to be sold and a listing price for the property. It also gives the listing brokerage and agent the right to find a ready, willing, and able buyer for the property in exchange for compensation, normally in the form of a commission of typically 6%, although it can be higher or lower than that.

Once a property is listed with a licensed Tennessee real estate agent and brokerage, it is then advertised for sale on the multiple listing service (MLS) and/or on the brokerage’s website as well as through other marketing and advertising channels. For more information about using a real estate agent in Tennessee, including how to find one to list your home, visit the Tennessee Realtors website.

In listings that are done as FSBO, the home is not advertised to the realtor network through the MLS. Instead, FSBO properties owners can use the local news ads, Zillow.com, FSBO national ads, and other means to advertise their homes for sale.

When a potential buyer of a piece of real estate is ready to purchase a home, an offer to purchase the property is made to the seller. The seller can reject the offer, counter it, or accept it. Once the seller has accepted an offer, a contract is made between the seller and the buyer that allows them to move forward towards transferring ownership of the property in exchange for compensation, typically payment in dollars (usually sourced from a loan) for the purchase price.

Once the purchase contract is in place, the buyer and seller spend a period of time (usually a period of about 30 days) working through the responsibilities outlined in the contract. The seller is obligated to provide to the buyer in-depth information about the property using standard disclosure forms. The seller also typically purchases a title insurance policy warranting that the buyer will have clear title and ownership of the property.

The buyer is obligated to do due diligence on the property using information provided in the seller’s disclosures. During the period between the contract initiation and closing, the buyer also secures funding, normally via a mortgage.

Now that we’ve summarized the process of a home being sold/bought in Tennessee, let’s take a look at the documents involved in Tennessee real estate transactions.

In many cases, these forms and documents are combined together for convenience instead of being executed separately. To see a sample of these documents and other forms and contracts commonly used with Tennessee real estate, you can review the 28-page PDF on the Tennessee Realtors website.

Offer to Purchase Real Estate

The Offer to Purchase Real Estate form is an official offer submitted by a potential buyer to a seller. This offer is usually prepared with the help of a buyer’s real estate agent, but the offer can also be filled out by an individual purchaser without agent representation. In a case where a property is being sold by owner, it is not necessary to have an agent involved on either the seller or the buyer side of the transaction. In FSBO situations, however, it’s wise to seek advice from an attorney or other real estate professional to ensure that the process is done correctly and costly mistakes are avoided.

When a buyer makes a formal, written offer to a seller, the purchase process is officially underway.

In the Offer to Purchase Real Estate, the following details are included among others:

Identification of the property

Purchase price

Method of payment

Closing expenses and whose responsibilities they will be

Earnest money; this is intended to show the seller that the buyer is serious about the offer and induces seller engagement

Expected disclosures to be provided about the property

Timelines for buyer and seller relative to inspections, disclosures, and other activities required before closing

Contract for the Sale and Purchase of Real Estate

Once the Offer to Purchase Real Estate has been accepted, a Contact for the Sale and Purchase of Real Estate is executed. Often this contract is combined with the Offer to Purchase Real Estate, making them the same document. This is especially true when a real estate agent is involved.

The Contract for the Sale and Purchase of Real Estate contract formalizes the relationship between the buyer and the seller of the property and reinforces the obligations laid out in the Offer to Purchase Real Estate.

Seller’s Disclosure Form

Seller’s disclosures are required as a way for the buyer to become more educated and informed about the state of the property being sold prior to closing it. Because there are many factors that affect the condition and value of the home, including everything from HOA (homeowner association) fees and restrictions that affect the property to the condition of major components of the home, things like the roof, the HVAC, etc.

The Seller’s Disclosure form is a thorough review of the most common material components of a home’s value. There are situations when additional disclosures should be made, such as when the home has been used for activities additional to just being a residence.

Lead-based Paint Disclosure

The lead-based paint disclosure is required by federal law for homes constructed prior to 1978. This disclosure provides an opportunity for sellers to divulge what they know about whether lead-based paint was used in the home, allowing the buyer to make an informed decision and assess risk with regards to potential health problems caused by lead-based paint.

There is a pamphlet available from the EPA that is required to be acknowledged by both seller and buyer. The pamphlet is called: Protect Your Family From Lead in Your Home, and it’s available from the EPA website.

Doing Real Estate Transactions in Tennessee the Right Way

Hopefully this article has help you learn more about the fundamentals of how real estate is sold and purchased in Tennessee, and you’re more prepared for selling your home or buying a new home in Tennessee.

The post Tennessee Real Estate Contracts and Forms for Residential Homes appeared first on The Handbook for Happiness, and Success, and Prosperity Prosperopedia.

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Coffee In The Dark Heart Of The Real Twin Peaks

For $8 at Wild Hare Vintage store, I purchased a glossy illustrated map in full color from store owner Iya, a former public servant and lawyer who had just months ago started running the shop. I had intended only to buy an 8-track tape of “Dueling Banjos”, the theme from the movie Deliverance. I don’t have an 8-track player, but I thought the tape would look nice next to my VHS copy of Titanic. Iya and I chatted about the life in California she abandoned to move to Washington and once she figured out why I was in town, she offered the map. It was all there: The Great Northern on Railroad Avenue, the Packard Sawmill just a short drive from that, and the Double R Diner east toward the forest. In the bottom right corner of the map, there was a greeting that I foolishly took as a promise: “Welcome to the Real Twin Peaks.”

I ventured to Twin Peaks in search of answers to lingering questions about the residents of the mountain town. Was Special Agent Dale Cooper, my fashion icon, still possessed by BOB? Did Audrey Horne survive the explosion at Twin Peaks Savings and Loan? Does the Log Lady still have the same log? I was coming from Seattle and had to cross all the way east to reach the site of the “Welcome to Twin Peaks, Pop. 51,201” sign that served as an eerie beckoning to enter a town where murderers, adulterers, and demons ran rampant. When I arrived at the sign’s location, however, there was nothing there. I had prepared for a perplexing and macabre experience, but without the aid of Google Maps, how could I have possibly known that I was in Twin Peaks without a sign welcoming me there?

As I went further west, I discovered that Twin Peaks was not the name of this town. Rather, it was called North Bend, Washington and had been since 1909. This concerned me a bit, but as someone who claims to be from Chattanooga, Tennessee when I actually grew up in nearby community Hixson, I figured this was just a bit of confusion about town names. Sure, North Bend was the town proper, but Twin Peaks must have been North Bend’s unincorporated but far more substantial and mysterious community. While walking to the Double R Diner, I asked a town resident where Twin Peaks technically was.

“Well,” she said, exasperated, “They filmed some of the show here.”

Show? What show was she talking about? I don’t recall Invitation to Love being filmed in Twin Peaks. I thought better of correcting her as she was the first indication that I had actually arrived in Twin Peaks, a place where people are a little off and don’t necessarily say what they mean. I arrived at what the map said was the Double R Diner and stood staring at a sign that said Twede’s. What the hell was Twede’s? Further deepening the mystery, the interior of the diner had signs indicating that it was, in fact, the Double R, but there were just as many references to the place being named Twede’s. Perplexed and a little upset, I sat down and waited for Norma Jennings to slink in my direction and serve me coffee and pie.

To my extreme dismay, Norma in her crisp and form-fitting uniform never arrived. Instead, a person called Betty greeted me in comfortable attire: black t-shirt and jeans. Though I yearned for Norma, I dare not ask Betty where she was. My previous interaction with a townsperson had proved that the residents of Twin Peaks have a tenuous grasp of the truth. I ordered a coffee and a slice of cherry pie that I had been assured was worth a stop. I sat in front of a small doll who wore the blue Double R uniform. I cocked my head slightly to the side and wondered if I could trust her.

“Where am I?” I asked her. “How will I know when I’ve arrived? Is the truth in that cherry pie?”

She stared back at me and told me with her little black doll eyes that if she’d had the answers, she wouldn’t share them with someone like me. Betty, amiable but mostly all-business, brought me the coffee and cherry pie. Agent Cooper’s philosophy had been to start the morning with “two cups of good, hot, black coffee” like the ones at the Double R. Upon first taste, I was reminded of the righteousness of the diner coffee of my youth, but could I really slam two cups of this every day and would it help me solve murders? And did the Double R or Twede’s or whatever the hell it was serve a cherry pie “that’ll kill ya?” I found myself disappointingly alive after eating my slice.

Hopped up on perfectly fine, if not purposeful coffee, I rushed over to the Great Northern in hopes that Benjamin Horne’s hotel would give the damn fine cup of coffee I longed for to solve the mysteries of Twin Peaks and my heart. On the way, I caught sight of an enormous log that, while majestic, was caged. How could it have something to tell me if it was trapped like that? After a mile more of anguished driving, a valet took my car at the Great Northern; only it wasn’t the Great Northern of Twin Peaks at all. It was the Salish Lodge of Snoqualmie, Washington. Had I passed through Twin Peaks on the way and not realized it?

The Salish lodge had none of the sinister feel I expected from the Great Northern; instead, there was a gift shop. The first thing to catch my eye was a log pillow, which I desperately needed. My disappointing Twin Peaks experience thus far called for some sort of security blanket. I rested my head on it as I sipped a cup of coffee from the lodge’s restaurant. Stale. Not damn fine at all.

Deflated, I visited a few more spots on the map with similarly disheartening experiences. The Packard Sawmill has all but disappeared with much of the land being used as a rally racing circuit. The waterfall by the Great Northern was beautiful, for sure, but there were no dead bodies floating in the river below. The Roadhouse was not a place where you saw ethereal singers and waited to score drugs and prostitutes, but rather a family restaurant where they served a coffee that tasted as though a fish had been in the percolator.

“The Real Twin Peaks” was not real at all. Or maybe it was too real? I had expected to confront the mysteries that had haunted me for decades. Laura Palmer had said she’d see Agent Cooper in 25 years, and I took that to mean that she would be waiting for me when I arrived and would tell me all about the horrors of living and dying in the peculiar town of Twin Peaks. But horror was not a demon possessing a man and forcing him to murder his own daughter. It was normalcy. It was waking up every day, going to work, and coming home. It was being married for decades with your eyes never wandering toward the waitress in the light blue dress. It was drinking not a damn fine cup of coffee, but a coffee just like you’d get at any other diner in America. Most of all, it’s looking down at that pillow, then looking ahead and saying, “My log has nothing to tell you.”

Eric J. Grimm is a Sprudge contributor based in Manhattan. Read more Eric J. Grimm on Sprudge.

Photos by Zachary Carlsen for the Sprudge Media Network.

The post Coffee In The Dark Heart Of The Real Twin Peaks appeared first on Sprudge.

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