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Search the Murfreesboro, Tennessee MLS (Multiple Listing Service) for current property for sale listings HERE!
Contact Larry Brewer - Realtor(r) by phone at (office) or (cell), and by email at
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Murfreesboro, Tennessee is a community of approximately 90,000 people, located in Rutherford County, Tennessee. It is also considered to be part of the Nashville metropolitan area.


The following types of housing are readily available in and around Murfreesboro, TN :

In 2008, there were approximately 1700 real estate and property transactions in the Murfreesboro, Tennessee area. Prices for property in this community are expected to be stable over the next 12 months.

Murfreesboro neighborhoods and subdivisions include

  • Berkshire - located on the west side of I-24 right off highway 96. homes priced between $200,000 and $450,000
  • Blackman Farms - Murfreesboro homes priced from the $150,000's
  • Crestview - Affordable homes from $120,000 located on the southeast side of murfreesboro
  • Evergreen - Located on the west side of Murfreesboro off Cason ln homes Priceed between $120,000 and $180,000
  • Huntington, - Homes prices in the low $200's on the East side of Murfreesboro close to the airport.
  • Indian Hills - A golf course community on the south west side of Murfreesboro. Homes and real estate from $150,000 to over $600,000.
  • Northwoods, Home prices from $275,000 up to over $500,000. Located on the east side of murfreesboro
  • Plantation - Murfreesboro Real estate affordably priced below $200,000
  • Regenwood - Beautiful all brick homes priced from $250,000
  • Riverbend - All brick homes located on the North side of murfreesboro close to Snone River country club.
  • St Andrews - New homes on the west side close to highway 96. home prices from $170,000 to $240,000.
  • Stratford Hall - North Murfreesboro real estate with prices from $270,000 to over $400,000. 
  • Windemere - Affordable Murfreesboro real estate from $140,000 to $170,000.

 

Local zip codes in this community include: 37127, 37128, 37129, 37130.


* * * *
Search the Murfreesboro, Tennessee MLS (Multiple Listing Service) for current property for sale listings HERE!
Contact Larry Brewer - Realtor(r) by phone at (615-778-1818) or (615-512-7853), and by email at larry@larrybrewer.com
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Choose The Right Agent!
Larry Brewer - is a - Realtor(r) serving the Murfreesboro, TN area since 2003. Larry Brewer does business as Keller Williams, with team members and affiliated with the brokerage. Experience counts, and Larry Brewer participated in 27 real estate closings in the Murfreesboro, TN regional market in 2007

For superior real estate service in and near Murfreesboro, TN, contact Larry Brewer today!

* * * *
Search the Murfreesboro, Tennessee MLS (Multiple Listing Service) for current property for sale listings HERE!
Contact Larry Brewer - Realtor(r) by phone at (615-778=1818) or (615-512-7853), and by email at larry@larrybrewer.com
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Nashville Real Estate
Motorsports History - Barber Museum in Birmingham2/8/2010 9:15 AM

Motorsports History - Barber Museum in Birmingham. If  you appreciate the 2 and 4 wheel vehicles of the sporting variety, you owe it to yourself to visit the Barber motorsports museum in Birmingham Alabama. This state of the art facility come complete with a road course for the sports car clubs and the Porsche driving school.

 

 

This posting is the property of Larry Brewer of the Brewer Team in Nashville Tn.

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Inspecting real estate in Nashville, TN...2/8/2010 7:31 AM

Another good reason that ann Nashville homes need a good inspection before closing.

Via Michael Thornton - Nashville, TN area Home Inspector (Complete Home Inspections, Inc.):

Inspecting real estate in Nashville, TN...
     Electrical problems, both large and small, are sone of the issues that I find while inspecting properties in the Nashville real estate market. Other than the rust on the plug face, all looks well. The trained eye of the inspector not only focuses on the rust, but the burn mark on the upper left corner of the outlet.   
     While not a "deal killer" when GFI (ground fault interrupter) outlets get burned, it is best to replace them to prevent future failures. Replacing this $20 item can be the difference between serious injury or death.

Complete Home Inspections/Complete Video Promotions 

© 2010 michael thornton | complete home inspections, inc./complete video promotions | brentwood, tn | 615.661.0297 | www.completehomeinspectionsonline.com
Helping YOU Help Others Live THEIR American Dream

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Speechless Sunday2/7/2010 10:29 AM

SPeechless Sunday - Winter is still with us here in Tennessee, and the cold and snow leaves just in time for rain. I haven't seen a sunny day for several weeks now. I'm ready for spring.

hummingbird

This post and it's contents are the property of the Brewer Group and if you borrow it, at least send me a link.

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The Good, The Bad, & The Ugly - Mortgage Interest Rates & the Tax Credit - News you need to know!!2/7/2010 9:59 AM

INTEREST RATES ANDTAX CREDITS HELP KEEP THE COST OF OOWNING A HOME DOWN.

Via Jeff Belonger -- The FHA Expert.com -- FHA Loans -- FHA mortgages - USDA loans (Infinity Home Mortgage Company, Inc):

 

When is it a good time to buy a home?

Important interest rate info below. Please read ...

 

first time home buyers

 

First time homebuyers have been blessed with low mortgage interest rates and the first time homebuyer tax credit.  We have heard so many times in the last 12 months that now is a great time to buy. But is this true?  So when is it a great time to buy as a first time home buyer or even a regular borrower?

Let me keep it simple.  The best time to buy a home is when you are ready to buy. It should not be an impulse, for those that buy when they are sad or happy. Or just because your friend or neighbor bought a house. Or to keep up with the Jones's.

In the last 2 years, buyers have been very lucky with low interest rates in the high 4's to mid 5's and because of the first time home buyers tax credit. What it comes down to is knowing the future and the what ifs. No, I don't have a crystal ball, but the writing could be on the wall. Let's explore some.

 

 

mortgage interest rates on the rise

 

The Federal Reserve implemented a plan to help keep mortgage interest rates low. It was a way to keep buyers' fears low and hopefully to help stimulate the economy.  Here is a press release from Nov. 2008 - Federal Reserve announcement in buying mortgage-backed securities & GSE's - This was the original plan. What is the plan now?  There is news that this plan will come to a halt. And I feel that all buyers and anyone related to the real estate market, should know now and not later. And not be told as it is actually happens.

So what does this all have to do, especially with first time homebuyers?  I hate to be the bearer of bad news, but this needs to be talked about and now. Interest rates could climb higher in the next several months or so. 

 

 

 

Is time running out to buy a home?

 

 

time could run out & cost borrowers money

No, time is not running out. People will always buy homes.  But it should come with careful consideration and planning. And much of this planning should come from a very knowledgeable loan officer.  You should not just buy because you could get a tax credit or because mortgage rates are low.

Here is a question and answer fact sheet put out by the Federal Reserve. FAQs: Purchasing Direct Obligations of Housing-Related GSEs - And here is an excerpt specifically stating the Feds backing out the direct obligations.

mortgage backed securities

 

 

 

 

 

 

 

 

first time homebuyers tax credit

Lastly, you have the first time homebuyer tax credit which is due to expire with homes under contract by April 30th, and that close before June 30th. Detailed information on the home buyers tax credit can be found here : Tax Credit for home buyers -

 

Summary :  There should be no need for panic. I wanted to supply information and educate, because if you a serious first time homebuyer or any other type of buyer, you should not be sitting on the fence, waiting for interest rates to drop or home prices to drop even further.

One fear of mine is that we could see rates go up as high as 7% by the end of the 3rd quarter. Let's just play devils advocate and say they go from 5% to 6%. On a $250,000 loan, your payment would go from $1,342.05 to $1,498.88 a month.  That is a monthly difference of $156.83.  That turns out to be a grand total of $1,881.96 a year.

 

 

 

 

Again, I don’t believe in negative news to instill fear and or panic. But I do believe that many should be aware of this. If you are a serious buyer, just don’t be caught with your pants down or listening to someone else that might not understand the value of our economic issues.

And keep in mind that you don't need 20% down or credit scores above 700.

Please read : FHA loans with 3.5% down  &  Rumors why FHA loans are bad 

 

 

 

follow Jeff Belonger on Twitter               The FHA Expert     

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- FHA Loans - USDA Loans - VA Loans -

- Energy Efficient Mortgages - 

- Conventional Loans - 203 k loans -

- Mortgages -

 

Experience & Knowledge at its BEST !!!

 

 

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For more information on FHA loans, please go to this link. The FHA Expert

For more information about the 2009 Tax Credit for First Time Homebuyers : 2009 Tax Credit

For important mortgage insight to watch for, please read : Consumers need to be aware of these Red Flags!

HUD

 

 

Copyright © 2010 by Jeff Belonger of Infinity Home Mortgage Company, Inc

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Green Hills Homes Sales January 20102/6/2010 6:39 PM

green hills homeGreen Hills Home Sales for Jan 2010 were as follows

  • 10 Green Hills Homes were sold in January
  • 15 homes are under contract at the end of the month
  • 192 homes are available and not under contract
  • The average size of Green Hills homes sold was 4129 square ft
  • The average sales price of Green Hills homes sold in January was $780,490
  • The average sold price to list price comparison was 96 percent

Click here to search for Green Hills Homes.

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Tennessee Byways2/5/2010 2:59 PM

I came accross this earlier. I just thought it would be nice to share it with some of my Nashville Fall on the Natchez Tracefriends since all of these are in easy driving distance from middlle Tennessee.

The Secretary of Transportation recognizes certain roads as National Scenic Byways based on one or more archeological, cultural, historic, natural, recreational and scenic qualities.

 The 5 Byways Throughout the State the state of Tennessee are

  •  Cherohala Skyway: The Skyway offers the cultural heritage of the Cherokee tribe and early settlers in a grand forest environment in the Appalachian Mountains.
  • East Tennessee Crossing: This route follows the original path of the Cherokee Warriors Path, the Wilderness Road across the Clinch Mountain and the Cumberland Gap, the Dixie Highway of the Civil War period and Thunder Road of moonshining lore.
  • Great River Road: Throughout history, the Mississippi River influenced many lives: the Dakota, Chippewa and Hopewell cultures; early French voyagers; African-Americans seeking freedom on the Underground Railroad; and many more. Through its charming river towns and metropolitan cities, historic sites and cultural artifacts, today's Great River Road still links resources, people and history.
  • Natchez Trace Parkway: Native Americans, Kaintuck boatmen, post riders, government officials and soldiers all moved across this trail, creating a vital link between the Mississippi Territory and the fledgling United States. Pass through forests, cypress swamps and farmland to meander through the rock-studded hills of Tennessee, cotton fields in Alabama, and Mississippi's marshes.
  • Woodlands Trace: Running along a ridge of land between Kentucky Lake and Lake Barkley, Woodlands Trace is a beautiful, easy drive in rolling terrain with opportunities to pull off and explore on your own or at developed interpretive facilities. This outdoor setting includes the seasonal splendors of nature, with blossoming trees and flowers, a green canopy, brilliant fall foliage, and the open view in the forest in the winter.

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Friday Foto2/5/2010 8:40 AM

Just a little bit of historic 2 wheel heaven for the motorcycle crowd in Activerain.

If anyone can guess where this picture was taken, I'll be surprised. I plan to visit soon, and I have an idea that it will be for more than a weekend.

Motorcycle heaven

The content of this post is the property of Larry Brewer of Keller Williams realty, and I hope everyone copies it.

 

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Franklin Home Sales January 20102/5/2010 8:32 AM

Franklin Home Sales for Jan 2010 were as follows

  • 48 Franklin homes were sold in January
  • 176 Franklin homes are under contract at the end of the month
  • 732 Franklin homes are available and not under contract
  • The average size of Franklin homes sold was 3002 square ft
  • The average sales price of Franklin homes sold in January was $363,205
  • The average days on market was 115

Click here to search for Franklin homes .[/caption]

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Brentwood Home Sales for Jan 20102/5/2010 8:06 AM

Brentwood Home Sales for Jan 2010 were as follows

  • 25 Brentwood Homes were sold in January
  • 70 homes are under contract at the end of the month
  • 369 Brentwood homes are available and not under contract
  • The average size of Brentwood homes sold was 4197 square ft
  • The average sales price of Brentwood homes sold in January was $577,644
  • The average sold price to list price comparison was 97 percent

Click here to search for Brentwood homes.

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When can I drop my Mortgage Insurance on my home in Franklin Tennessee?2/3/2010 10:09 AM

This is great information that anyone buying a home today with less than 20 percent down needs to know.

Via Lee Barroll (First Community Mortgage, Inc):

When can I drop my Mortgage Insurance on my home in Franklin Tennessee?PMI Removal Franklin TN

When can I drop my Mortgage Insurance on my home in Franklin Tennessee?  This is a question I hear frequently primarily due to the loss of the 80/20 or 100% purchase loan.  In today's market if you do not have 20% to put down you are going to pay some form on Mortgage Insurance.  Either Primary Mortgage Insurance (PMI) on the Conventional Loan or Mortgage insurance Premium (MIP) on the FHA side.  The exceptions are with VA Loans and USDA/Rural loans. 

What is Mortgage Insurance?

Private Mortgage Insurance is a policy that covers the mortgage company in the event the home buyer defaults on the mortgage note. It is commonly referred to as "MI" and is usually obtained through the mortgage company.

Mortgage Insurance does not cover the real property but rather the Mortgage Note. It comes under the category of Contract Performance Insurance and is in the Property and Casualty line. The term "private mortgage insurance" differentiates it from government insurance. Loan products such as FHA, VA and USDA Rural Housing loans also carry insurance but it is from the government and is built into the cost of the loan, rather than being purchased separately.

So how do I get rid of it? 

Fannie Mae and Freddie pretty say you can request the lender drop the PMI once the balance of the loan reaches 80% of the appraised value of the property at the time of the loan.  There is no seasoning requirement.  An important thing to note is that the payment must be current with no 30 days past due in the previous 12 months and no 60 days past due in the preceding 24 months.  In accordance with the Homeowners Protection Act (HPA) of 1999 provides for the automatic termination of PMI at the 78% Loan to value of the original valuation at the time of the loan.  See the chart provided by Genworth Financial.

What about MIP?  The government Insurance?HUD FAQ

MIP is the HUD funded Mortgage Insurance provided for FHA Loans.  It is designed to encourage lenders to make credit available in areas and to borrowers who might not otherwise qualify for conventional loans on affordable terms.   FHA loans have become a larger percentage of the total market as they have lower down payment requirements and currently there are few adjustments to the rate for lower credit scores. 

There are two forms for this insurance.  The UP/Front MIP which is rolled on top of the loan amount and the monthly premium.  The borrower can request the monthly premium be removed when the loan to value reaches 78% of the value at the time of the loan.  However they must have a 5 year history of good payments.   Like PMI, MIP is automatically removed at 78% loan to value as long as there is 60 month payment history IAW the HPA of 1999. 

The difference regarding removal of the mortgage insurance is this.  Conventional has a 12 month payment history and FHA requires 60 month payment history. 

 

 

You can reach me me at 615-243-1301 or lee.barroll@fcmhomeloans.com.  And subscribe to my blog if you like what you see.

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Larry Brewer


Larry Brewer
 
Larry Brewer
Email Larry
 
Phone: 615-778-1818
Cell: 615-512-7853
Fax: 615-690-8553
Address: 9175 Carothers pkwy
City: Franklin
State: Tennessee 37067
Country: United States
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