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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 for sale in Chattanooga TN, Collegedale TN, Ooltewah TN, McDonald TN, North Georgia, and the TN Valley communities that surround the Chattanooga area. You may also explore some of the real estate Resources that are available to you on this site. 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. |
  
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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. 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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Closing or Settlement >Estimated Closing Costs
There is a federal law that requires mortgage lenders to give prospective buyers an itemized, "good-faith" estimate of their closing costs. Sometimes buyers arrive at the closing with this document in hand and proceed to question each item on the final closing statement that does not match the estimate exactly.
These "good-faith" estimates are just that--estimates. The lender's charges will be fairly accurate, but the charges for attorneys, termite inspections, title insurance, and other items that appear on the closing sheet may vary from the estimate. Some pro-rated items, such as taxes or homeowner's association fees, will also be different if you don't close on the date that was used to calculate the estimate. The purpose of the disclosure law is to give you a ball park figure of your closing costs. But the estimate you are given won't be to the penny--probably not even to the dollar!
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| Q |
Who is "Freddie Mac", and why is he a big name in real estate?
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| A |
"Freddie Mac" is the nickname for FHLMC, the Federal Home Loan Mortgage Corporation, which buys mortgages from lending agencies, thus allowing lenders to continually replenish funds for new mortgage loans. |
 See More Real Estate Trivia > |
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- NUMBER1EXPERT™ 
