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Mortgage forbearance isn't supposed to affect your credit score. The recent Covid19 Act passed by Congress was designed to protect US citizens during our shutdown. But immediately after recording my most recent Youtube video explaining exactly how to negotiate the process,... mortgage servicers created  a loophole in the Act to KILL your credit   According to the CARES Act, your credit score should be protected from impacts as long as you were current when you agreed to forbearance. Unfortunately, mortgage borrowers may be getting tricked.  2.9 million people have already applied for mortgage forbearance - and we aren't even a full 30 days behind on April 1 payments yet;   the actual number of people applying and requesting forbearance may be as high as 7 million over the next 3 months. This sets the stage for devastating credit consequence when it comes time to request a loan modification or loan deferment in the future.   Will mortgage forbearance affect your credit?  Even though the CARES act by law states that your credit is protected during a forbearance plan, lenders appear to be adding remarks to customer's credit profiles WHILE reporting customers as current, BUT those remarks are being picked up by reporting agencies - leading to credit scores suffering large declines. Some have reported credit scores dropping as much as 75 points (TransUnion and Experion)   by entering into forbearance INSTANTLY. (Updates weekly)  Please pass this on to anyone considering or asking for Forbearance. As of early this morning April 21st a new update is showing that servicers are adding/ reporting immediately that a loan is in forbearance... prior to being 30 days late.   DO WHATever you can to make the mortgage payment before the 30th of the month!! _________________________________________________________  What is it like living in Nashville?  What is the cost of living in Nashville?  Thinking of moving to Nashville and don't know where to start?      📗  You really need my "Relocating To Nashville Guide": http://vid.us/h69l7w While here, check out my entire Buyer's Gallery for tips on everything you need to be in the know when buying a home in Nashville::       https://www.youtube.com/watch?v=mmtqe...  Need to "RightSize" your Nashville home?        📗Grab my Ultimate Marketing Planbook: http://vid.us/uzhzet

I hear this all the time when showing houses. "Yuck, I hate this kitchen. "Uh, this  bathroom is awful!" But, most homes have great "bones" and can be updated nicely without doing an entire "gut job" or spending a lot of money.    In this video, the third of the series on getting a house ready for sale... Susan and Professional Home Stager and National Speaker Kim Pearse discuss what updates for less than $5000 should be done to get the biggest Return On Investment upon sale...and to ensure a home sale no matter the market.   From Paint to caulk, grout, and tile tips, flooring. lighting and hardware, plumbing to furniture layout... SO much can be done with a strategic plan, $5000, and a few weeks of elbow grease!    This list is worth thousands!   This is the 3rd video of my series: How To Get The Most Money for Your Home - a colloboration with Kim Pearse @TheStagingConsultant       Video 1: "Getting House Ready To Sell Checklist" reviews the minimal amount of work that needs to be done before presenting the home to market to sell fast and for more money: https://youtu.be/jJh3CNIUuBo       Video 2: "Best Home Improvements To Increase Value" (spending $1500 or less):  https://youtu.be/ZADap2pnjCo     Video 3: " I Hate My Kitchen. I Hate My Baths!" is a roadmap of how to  update your kitchen or baths without fully gutting the area spending $5000 or less!      https://youtu.be/YtnFOkkKunU Please share these videos with anyone you know looking to sell their home soon and wants to make the most money possible... or someone who simply wants to love their home that needs a little TL, and would love a roadmap. I want to thank my Sponsors Thetford Insurance Services, an Independent Insurance Agency  serving the Nashville Community for over 30 years with full service Life, Home, Auto insurance coverage and the personal "Concierge" touch for all of your family's needs. You can reach out to John  at  john.o@tisinsured.com

How would it be if you had a "Getting your house ready to sell checklist" from a Realtor and Staging Consultant?  In this podcast Susan interviews professional Stager Kim Pearse of The Staging Consultant about her tips for the basic minimum sellers must do to get their home "show ready" before the photographer arrives.  This " Getting a house ready to sell Checklist"  in just two weekends of work is THE list ALL sellers Selling a home in Nashville is both a beauty pageant AND a price war... and this "getting your house ready to sell checklist" is a great primer on things to do before allowing the first potential buyer into your house. Who doesn't want to "Sell your home fast"?  Who doesn't want to get the most money possible for their house? Listen in for THE checklist that can easily be accomplished  with elbow grease and 2 weekends ... then be sure to subscribe to this podcast, share it with friends, and tune in next week when we talk about what to do if you have $1500-$2000 to spend to get Kitchen or bath in tip top shape... since we all know that those two rooms sell a home.         Like to talk to Kim?   The Staging Consultant  Kim Pearse 615.852.5045                                                  kim@TheStagingConsultant         Have insurance questions for my sponsor?  Thetford Insurance Services John Thetford 615.297.2200 Office/ 615.498.5078                                                                                             John.o@TISinsured.com                                        _________________________________________ Love to get to know you better! Find me on Facebook:  https://www.facebook.com/SusanIsRealEstate/                                                           Subscribe to my YouTube Channel:  www.YouTube.com/SusanThetford?sub_confirmation=1                                                                                                                        

There are so many things to consider when buying a house... and it gets far more complicated when you ask; "how to buy a house in a new state?"  and "How to find a realtor in another state" when planning a move.  In this video I talk with fellow realtor Melissa Spittel of Coldwell Banker who is  also a native of her city and specialist in helping people get acclimated to her city while searching for their perfect new home.   From schools and shopping, travel to work and recreation, transportation and safety issues, and details fo the home... each area has its own nuances that a good realtor will discuss with newcomers.  One of the  many perks of belonging to several great social network groups with other realtors throughout the country is the ability to be able to answer the question for my customers "How do I find a Realtor in another state?" I know them and know their work ethic.   I hope you find this video of value, and look forward to your thoughts and comments.        _________________________________________________________  Are you thinking of moving to Nashville and don't know where to start? Check out my entire Buyer's Gallery for tips on everything you need to be in the know  when buying a home in Nashville:  https://m.me/susanisrealestatew?ref=buyers_gallery

What to do when a loved one dies? How do you begin to  settle an estate when real property is involved? How do you sell a home in another state when a loved one passes? Do you  need a realtor to settle an estate?  These are just a couple of the issues that a grieving family faces when a loved one dies. In today's podcast, I discuss the role that a realtor who is well versed in working with Estate Attorneys and probate  provides for the family with Kim Ward of Horizon Real Estate.  Kim is a Realtor specializing in this type of work and coach to other Realtors who want to add this niche of professionalism to their toolkit.    Are you interested in moving to Nashville and don't know where to start? Check out my entire Buyer's Gallery for tips on everything you need to be in the know  when buying a home in Nashville: https://m.me/SusanIsRealEstate/ref=bu....   Here you will find an entire series/guides that will help you get started in determining if Nashville might be a great home for you.   Want to know more Settling an estate in California? Then Kim Ward  is your new best friend! You can reach her at Kim Ward:Horizon Real Estate - Office:619.741.0111  Email: probateandtrusthelp.com   #tipsformovingoutofstate #movingtoNashville #bestrealtorsinnashville #parksrealtorsgreenhills Special thanks to Thetford Insurance Services - a full service independent insurance agency in business in Nashville ,Tennessee for over 30 years , for their sponsorship of this podcast, "Nashville Transitions Made Simple" 

Considering  moving out of Chicago to Tennessee?  Or a move out of state to anywhere USA? This week I'm talking with Kerri Jonikas, realtor with HomeSmart in the Chicago area about tips we've found invaluable for those  moving out of State. Kerri and I met through a Realtors group online and have been working  closely for quite some time. We both have noticed patterns in our areas and thought this was a great opportunity to discuss. Nashville,Tn. has so many people moving here from all over the country- it has been said we have 100 people a DAY moving here-  and Kerri has seen people are moving out of the Illinois/Chicagoland area to Tennessee in droves. So,  that brought us to today's topic of "Tips For Moving Out of State" this year.  Are you interested in moving out of state (ANY STATE) and don't know where to start?  Start here, then check out my entire Buyer's Gallery for tips on everything you need to be in the know  when buying a home in Nashville: https://m.me/SusanIsRealEstate?ref=buyers_guide

What Are The Best Neighborhoods In Nashville?  As a native Nashvillian, I'm often asked... what are your favorite neighborhoods?  that is a tall order... as there are so many. If considering neighborhoods within 10 miles of the heart of the city,  as I do here, it is an easy call... Oak Hill, Forest Hills, Green Hills, Belle Meade, Hillwood/West Meade, Richland/Central/West End, and Sylvan Park neighborhoods. The factors that I consider when determining favorite? Safety, convenience, ease of day to day shopping, great schools, transportation , and access to recreation opportunity. I'd love to know if you agree! Like to see the video with drive thru of each area on Youtube?  https://youtu.be/K2X6VovMM3c Thinking of selling your home in the next year? You'll want my 6 Tips For Sellers Before Putting Your Home On The Market from my "seller's Gallery" Check it all out: https://m.me/SusanisRealEstate?ref=sellers_gallery

What is the cost of living in Nashville Tenn? Is Nashville an affordable place to live now that everyone it seems is flocking here from all across the country? This episode  explores the factors that go into the "cost of living" with a "cost of living calculator " that measures the cost of housing, taxes, healthcare, transportation and food in each city and compares it to another city in the same career to see which is the more affordable place to live... just how far will your money go!!  Tennessee, with no state income tax, phasing out dividend income tax for retirees,  and no estate taxes is now one of the top 7 states to retire to in 2019.   Hear  how Boston, Mass,  Dallas, Texas, Louisville, Kentucky, and Los Angeles,Calif stack up against Nashville,Tennessee   using the "cost of living calculator" to see if Nashville is affordable ... then check out your own city using the cost of living calculator to see how your city stacks up against Nashville,Tenn.  Head on over to Bankrate.com ---  I hope you'll check into my podcast weekly for all things "Nashville".  And, if you'd like to see more , check out my YouTube Channel https://www.youtube.com/Susanthetford

What great Nashville Events in the next 3 days you ask? So many!! The music Nashville calendar this weekend starts with live Bluegrass at the Full Moon Pickin' Party at Percy Warner Park, to more live bluegrass at Music In The Vines in Arrington, and finishes up with live Jazz on the Cumberland Sunday night. In between the whole family can enjoy the 2019 Dog Day Festival at Centennial Park then head over to Green Hills Park Fest and try your frisbee skills before watching a family friendly movie at darkfall.  Finish up Sunday with a Titans v Indianapolis Colts football game Sunday afternoon before relaxing with that jazz waterfront.  There is plenty for the whole family to enjoy off Broadway in Nashville every weekend; get out and explore! Like to see the full video?https://youtu.be/GA_y8T_hIoI

Have you heard about the scariest thing to happen to real estate in... forever? Do you now how to protect yourself? It's Real Estate Wire Fraud and the FBI says it  was a $12 Billion problem in 2018 and this year far worse! The advent of the internet and Wire Transfers has made so many things much easier and convenient in so many ways... yet far more dangerous when it comes to your money!  In this episode I explain what Real Estate Wire Fraud is, what is "phishing" and how you may lose your life savings, and how you can simply protect yourself from it when buying or selling real estate. If you'd rather watch the video on my Youtube Channel, hop on over to:    https://youtu.be/QHZseeImBak       and while there,  subscribe to my channel and cruise all the videos where i help simplify Real Estate and show you all over Nashville, my      hometown and the "It" city of today!  *** Download my FREE Home Sellers guide here:  https://m.me/susanisrealestate?ref=ma... Subscribe for weekly video Real Estate Info and all      things Nashville, Tennessee:                                       https://www.youtube.com/susanthetford❤  Enjoying this podcast?  Be sure to L I K E  and S H A R E  the love. ❤    Susan Thetford  Parks Properties  615.383.6600 / 615.414.5510 \ Lic #240355

One of the hottest trends in real estate now banks on buyers and sellers valuing speed and convenience over dollars- either earned or saved.  if you've listened to radio, tv, or any news outlets lately, the terms "Instant Offer " by Zillow and Offer Pad, Open Door or a myriad of other companies is something you are probably familiar with... but what are they really? Who is making these offers? Who does the company represent in a transaction? What are fees involved? and, Is taking an Instant Offer right for you and your situation??  In this episode  I answer these and more questions...and consider it myself an excellent tool to have in  my toolbox to give my customers all possible advantages in the market today in Nashville. I'd love to know if you have any experience with an "Instant Offer" ? Have you taken a look at the very small print for fees...and done a comparison to the traditional market? Have you verified that the comparable sales they offer to give you their valuation are the most comparable or up to date? Having all the info is always the best way to determine what is right for you and your situation. There is no "One Size serves all" seller/buyer program. I think this will answer many of your questions.  Download my FREE Seller's Guide : https:m.me//SusanIsRealEstate?ref=market_your_property                 over on my page. My assistant will get it right over to you!

🏡How to protect yourself when buying or selling a home: Wire Fraud is a real thing ... A $12 Billion Dollar thing. in the US alone in 2018! Wire Fraud was up 136% in 2018 and over $12 Billion dollars was stolen from home buyers and home sellers last year.             How do they do it?             How do they get your information?            Can you get it back and where is it? I share the facts and the simple way to make sure you don't fall for the phishing scam that will rob you of your new home or your home proceeds.  Like to see the video live? https://www.facebook.com/SusanIsRealEstate/videos/704151493366394/ Interested in my full "HomeBuyer's Guide"- with info about the entire process of buying a home? https://m.me/SusanIsRealEstate?ref=buyers_guide

🏡Did you know you may be able to buy a new home before selling your current home? Or, you may be able to reduce your monthly payment on your home if you have a 💰lump sum to pay down the principle? (from an inheritance, sale of another home, 💁‍♀️lottery winnings, any windfall) 👇🏻👇🏻👇🏻👇🏻👇🏻👇🏻👇🏻👇🏻 without refinancing and incurring more fees or losing a great interest rate? REDUCE your monthly cash outflow ✅without extending the loan ✅ or incurring large fees. Like to see the video on Facebook? /https://www.facebook.com/SusanIsRealEstate/videos/2312025795703988/ Know anyone thinking of selling their home? Please share this podcast with them! Want my marketing plan to sell your home? message me at:  https://m.me/SusanisRealEstate?ref=market_your_property

Have you heard someone say, "we got into a bidding war" before and thought, "that sounds like no fun" Well, you are right... but, sometimes they happen and I want you to come out as the winner! In this #YourNashvilleRealEstateMinute I'll explain what a bidding war is, and then invite you to watch for the next 3 days as I give my best tips and strategies of how put YOUR offer in the best possible position to come out with a new home you can be proud of for years to come! Like to watch the video directly from Facebook? https://www.facebook.com/SusanIsRealEstate/videos/2772112089471798/

🏡First 2 steps to get your home ready to sell---regardless of whether you will Sell By Owner or with a Realtor.   Selling your home is a process... that begins with these first two steps or you will never sell for the most money possible, which is what everyone wants. This podcast shares my incites after leaving a home that I am helping to get to  market. Plus, as a bonus, I share a new incite from Zillow. If you'd prefer to see the video, check it out on Facebook here:  https://www.facebook.com/susan.thetford/videos/10158774140894552/ Like the Buyer's A-Z Guide I offered?   go to my Facebook Messenger here  https://m.me/SusanIsRealEstate?ref=buyers_guide              and I'll shoot it out to you, ASAP! -  

🏡Bidding war:the rest of the story.  Find out what happened when my customers found out there were multiple offers on the house we wanted to buy on the very day it went on the market! Please, Let'd connct on all the social platforms: I am Susan Thetford pretty much everywhere you can go!

This is the third in the series : "What Is A Final Walk Through In Real Estate " in which I detail what happened in tonight' final walk through with my buyers before closing on their new home tomorrow at noon. If we had not taken advantage of our rights to a Final Walk Through, the home may have been flooded and the sellers would have no responsibility. Listen in... and tell me if you think taking the time for the walk through was a great idea!

When should I refinance my home mortgage? Many people know that they should look into refinancing their home loan if the rate is 1% higher than the current rate.... but there are several otehr reasons to look into doing it even if NOT that full percentage point lower. This video explores one such reason. Like to talk about your situation? Feel free to message me! Here is the link if you'd like to watch it live: https://www.facebook.com/SusanIsRealEstate/videos/872189626495128/

Have you heard someone say, "we got into a bidding war" before and thought, "that sounds like no fun" Well, you are right... but, sometimes they happen and I want you to come out as the winner! In this #YourNashvilleRealEstateMinute I'll explain what a bidding war is, and then invite you to listen in  for the next 3 days as I give my best tips and strategies of how put YOUR offer in the best possible position to come out with a new home you can be proud of for years to come! WINNING!

When my sellers asked me this question about 2 weeks prior to closing (we got it under contract over a month ago) "Can I sell my home since we have a mortgage?" my first thought (thank goodness I kept it to myself) was Of course we can and isn't it a little late to be asking this .Now? But when I asked a few more questions, I realized he was really asking...          how does that mortgage get paid off...          what do I need to do...             do we take money to the bank to pay off the loan after closing? Or will you ( my company) do that?       and many other questions. He was asking functionally how does it work kind of questions. Good ones! In this episode of "Your Nashville Minute"  i break down the process and can assure you ( and my seller) that the original mortgage IS paid off the day of funding/closing in Tennessee and noone can "take Off With " the money leaving the seller liable for the outstanding balance. Would you like my "10 Simple Steps To Get Your Home Ready To Sell? Shoot me a message at M.me/SusanIsRealEstate and I'll get it right over to you!