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Welcome To Darwin White's Tennessee Valley Real Estate Information Resource Center. Here You Can Find Info On Homes, Land & Real Estate Resources!
Darwin is a Licensed Associate Broker in the State of TN and Ga at RE/MAX Properties. Luther Palmer, also licensed in TN and GA, is on The Darwin White Team. The Darwin White Team is excited to to welcome to the Chattanooga and Ooltewah area, Volkswagen who will be building a 1 billion dollar plant, and to express our thanks for the economic changes it will bring to our area. |
  
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COUNTIES I SERVE
- Hamilton County
- Bradley
County
- Sequatchie
County
- Catoosa County,
GA
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TOWNS AND AREAS I SERVE
- Chattanooga
- Ooltewah
- Snowhill
- Collegedale
- Apison
- McDonald
- Harrison
- George Town
- Ringgold,
Georgia
- East Brainered
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Looking for homes and acreage? Search everything the web has to offer, right here! Don't miss my Feature Homes page. Also visit my Community Swap Shop page. There you will find Garage Sale items clients of mine have to offer when they move. Need local real estate information? I've summarized so much of what is important about the Tennessee Valley real estate market in this site. Need expert advice? No web site, large or small, can take the place of a Realtor. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job. Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR Personal Real Estate Agent. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. Buying and selling a home is one of the biggest events in your life. I understand it can be very stressful. Please let me help. I promise you professional service with attention and consideration to you specific needs and requirements. Call or email me today! Office: 423-894-2900 Toll Free: 888-682-2144 Cell 423-421-4111. You can also fax me at 423-894-2900. 
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First Time Buyers >The Down Payment
Perhaps no single decision in a real estate purchase has more variables than "How much money do I put down?" Conventional wisdom centers around either putting down as much as you can or as little as the lender allows.
If you put down a large payment, you get some leverage with the lender, such as little or no mortgage insurance, a good equity position, and perhaps a preferred mortgage deal. You will also have lower mortgage payments. One potential disadvantage of a large down payment is that you will be using after-tax dollars on which you could be earning interest. You will also have less tax-deductible interest.
When you buy a home with a low down payment, you will have more tax deductible interest, and your investment value percentage will increase faster. You will have little equity at the outset, and your monthly mortgage payments (and perhaps your interest) will be higher. However, you will also keep more of your own money in hand to potentially earn more interest in other investments.
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What five basic components of a "smart home" can be controlled by technology?
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Lighting and window treatments, security and access control, data communication, environmental/energy management, and audio/video entertainment can all be operated by a "smart home". |
 See More Real Estate Trivia > |
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- NUMBER1EXPERT™ 
