Chattanooga, Ooltewah and Collegedale real estate and homes for sale in Tennessee - Darwin White, REALTOR® Darwin White REALTOR(r) for Chattanooga, Ooltewah and Collegedale, Tennessee real estate - NUMBER1EXPERT™ Darwin White NUMBER1EXPERT(tm) for Chattanooga, Ooltewah and Collegedale, Tennessee real estate
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Darwin White, REALTORŪ, real estate agent and broker for Chattanooga, Ooltewah and Collegedale Tennessee home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 888-682-2144. or 423-421-4111 (Cell)

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Resources: Chattanooga, Ooltewah and Collegedale Tennessee home buying, real estate listings, and homes for sale in Hamilton                       County, TN
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Special Offers: Special offers for Chattanooga, Ooltewah and Collegedale homeowners from Darwin White, top Realtor
Affiliates: Darwin White's real estate web site affiliates
Monthly Payments & Schedule: Monthly loan payments java mortgage calculator
How Much Can You Afford?: Calculate how much home you can afford with this financial calculator
Determine Tax Savings: Calculate how much your monthly Chattanooga, Ooltewah and Collegedale Tennessee mortgage payments save you on your taxes because of loan interest
Should You Rent or Buy?: Is it better to rent a home in Tennessee or buy your own Chattanooga, Ooltewah and Collegedale house, ranch, luxury property, condominium, acreage, or other real estate?
Adjustable Rate Mortgages: Adjustable rate Chattanooga, Ooltewah and Collegedale mortgages information and interest rate java calculator
What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage.
Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.
15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.
How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out.
What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.
Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment.
TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Tennessee real estate
Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more
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FEMA: FEMA
U.S. Census Bureau: U.S. Census Bureau
Just For Kids: Just For Kids
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Title Tennessee Moving Companies: Title Tennessee Moving Companies
Garden & Lawn Tips: Garden & Lawn Tips
Landscaping Services Directory 423: Garden & Lawn Tips
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NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale
Real Estate Law: Real Estate Law
Official Change of Address form: Official Change of Address form
Georgia Government: Georgia Government
Real Estate Tips: Darwin White's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers
Real Estate Trivia: Darwin White's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more
Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Chattanooga, Ooltewah and Collegedale property in Tennessee, including legal terms definitions, and more
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Real Estate Tips
Financing Your Home >Who Pays the Points

When home buyers shop for financing, they must consider two important factors--the interest rate and the points. Each point is equal to one percent of the mortgage amount. If you are selling a home, the buyers may ask you to share the points with them.

The buyer usually pays the points. But if the offer is attractive and will give you the amount you want, paying one or more points might be a good idea. When a contract is presented, your real estate agent will go over the price and terms to help you calculate the net price you will receive. If the offer isn't strong enough or has risky contingencies, you might make a counter offer to increase your profit on the sale by eliminating the points from your selling costs or by increasing the price to help you absorb additional costs you will pay.

In some cases, buyers with limited cash may need some assistance from the sellers to make the transaction work. Your real estate agent will help you look at the total picture and the buyer's overall qualifications, so that you can make a decision based on the bottom line.

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Real Estate Trivia
Q 
What is a "smart home"?

A 
A "smart home" is equipped with structured home wiring packages that control the home's systems via networked technologies.
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Darwin White, REALTORŪ, real estate agent and broker for Chattanooga, Ooltewah and Collegedale Tennessee home listings, property and land for sale - NUMBER1EXPERT(tm)

Darwin White
RE/MAX Properties

6111 Shallowford Rd. Suite 105
Chattanooga, TN. 37421
Toll Free: 888-682-2144
Cell: 423-421-4111
Office: 423-894-2900
Fax: 423-894-2713
Email: homes@realestatehomelink.com

Hi. I want to be the first to invite you to the Chattanooga Tennessee Valley. Please allow me to offer to you my Real Estate Services. I have served the Chattanooga, Ooltewah, Harrison, McDonald, Apison and Collegedale area for 17 years, as well as Ringgold, Georgia. My approach to Real Estate Sales is simple--give the consumer the information they need to arrive at an informed decision, be available, communicate and respond to the unique needs of each individual with respect, tact, courtesy and professionalism. I love getting to know people and learning of their life experiences. I am native to Tennessee but grew up in Martin County N.C. My father had his own business, and I helped him with it from a very young age. I have been in sales since I was six. By the time I was 16 I had developed my own marketing company, which became one of the state's largest distribution companies in its field. My early training with my father taught me great work ethics, grit and courage that I have found very useful in Real Estate--both in patience with people and in the negotiation process. Servicing my customers with honesty and integrity was the key to my early success, and I have applied the same attention and service to my real estate business making me one of this area's Leading Real Estate Experts.


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