What Are Tennessee Mortgage Rates Going to Do in 2018?

Homebuyers, particularly in Tennessee, have enjoyed historically low mortgage rates for several years. In fact, Freddie Mac puts the current average for 30-year fixed rate mortgages at 3.99%, down slightly from a 4.12% average in January of 2017. Today's homebuyers feel great about their mortgage prospects – however, those planning to buy a Tennessee home in the next few years should prepare for higher mortgage rates. Tennessee Mortgage Rates are Expected to Rise in 2018 In 2017, the Mortgage … [Read more...]

Buying a Home with Bad Credit: What You Need to Know

As you might expect, complications can arise when buying a home with bad credit. In general, if your credit score dips below 650, mortgage approval is harder to secure and often comes with higher interest rates. While poor credit can certainly make the home-buying process more difficult, it doesn’t make it impossible. You still have a few options for working around your credit score and finding an affordable home that you love. Bad Credit Sometimes Results from Reporting Errors Before you … [Read more...]

5 Tips When Buying Your First House

Buying your first house can sometimes feel like walking into a minefield. While moving your family into a new place should be exciting, the many risks, potential pitfalls, and sometimes impenetrable real estate jargon can make the whole process seem dangerous. Doing your research, in addition to seeking out advice from trusted professionals, can help to minimize the anxiety. Below, we provide a few tried and true tips for navigating the market. Hire a Reliable Home Inspector  You may love the … [Read more...]

How to Decorate Your Home for the Holidays — Safely

Chances are, you've already decorated the Christmas tree and hung a wreath on the front door, but this year, let's take your holiday decor to the next level by keeping your home safe for pets and children. We've offered tips on decorating for Halloween before, but now it’s time to look at how to keep your holiday decor safe for pets and babies. As you decorate your home for the holidays, keep in mind the natural curiosity of animals and little ones, and how new decor might tempt them into … [Read more...]

How to Compare Knoxville Schools Before Moving

Knoxville has plenty of great kid-friendly activities on offer, but if you’re planning on moving to or around the city, you’ll want to find the best Knoxville schools as well. The Knox County school district is home to 50 elementary schools, 14 middle schools, and 15 high schools, so residents have a lot of choices when it comes to education. The variety of options, however, could make comparing them more difficult. To get started, parents can compare Knoxville schools in a few ways. Compare … [Read more...]

9 Things to Do in Knoxville with Kids

It’s tempting to stay inside and indulge in a family movie marathon, but don’t break out the popcorn and footie pajamas just yet. Knoxville is a great city with plenty of opportunities to get out, explore, and learn. And luckily, residents will never struggle to find fun, age-appropriate activities. Here are 9 great things to do in Knoxville with kids to get you started. 1. Story Time at the Public Library Knox County Public Libraries hosts a wide array of free, kid-friendly activities. All … [Read more...]

How Much Down Payment Should I Pay?

The amount you put down on a home will set the tone for the rest of your loan's term. But for new buyers, figuring how much down payment to offer can be confusing. Asking, “how much down payment should I pay?” is an important question that depends on several different factors. Getting a realistic estimate can be a challenge, especially when balancing your available savings against different interest rates and Private Mortgage Insurance. In general, down payments mitigate risk for lenders, but … [Read more...]

How to Choose the Right Mortgage Company

For many home buyers, especially newcomers, calculating your mortgage and acquiring a home loan can be the most confusing and stressful part of the process. The task of securing the best interest rate from a lender you trust comes with no small measure of anxiety. How do you know you’re getting the best deal? We can offer you some advice on how to choose the right mortgage company to help keep your finances safe. Start with People You Trust Forbes.com contributor, Mark Green, suggests that … [Read more...]

Home Selling Tips: Increasing Home Value

Making your home more valuable and appealing to potential buyers can be a great way to improve your chances of selling quickly for the most profit. From renovations to landscaping, you’ve got plenty of options at your disposal. Putting a little money into upgrading your home now can mean huge returns on a sale later, especially if you pick projects known for increasing home value. Build an Outdoor Living Space If you’re handy, you can increase your home's value starting from the outside by … [Read more...]

How Can You Make Your Home More Energy Efficient?

With winter's high energy demands just around the corner, now is an excellent time to make your home more energy efficient. Practicing smart conservation in your home is always worth the effort and a number of key home improvements – from simply changing lightbulbs to shopping for energy-savvy smart devices – can also trim down your monthly utilities bills. Saving energy leaves more money in your pocket each month and can make your home more attractive to future buyers. Change Your … [Read more...]