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 

[email protected]

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

                                                                                            [email protected]                                       

_________________________________________

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

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