Home Loan Karma

Knoxville Tennessee Number One Home Lending Source

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Harvey Abouelata posted a blog post

THDA: Loans for the Brave

By Kristin Abouelata, Home Loan SpecialistTennessee Housing Development Agency has a new program that is specifically targeted toward qualified members of the armed forces, veterans and their spouses.  And it’s a sweet deal for qualified buyers! The Tennessee Housing Development Agency is well known in the lending community, And now, THDA has a new program for Veterans known as Veterans Homeownership for the Brave. THDA is an actual lender, not a…See More
May 10, 2011
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Harvey Abouelata posted a blog post

How the News Affects Your Interest Rate

By Kristin Abouelata,Home Loan SpecialistOftentimes, what’s happening with mortgage rates can be determined just by listening to the morning news….If you’re buying a  new home, one of the biggest questions one has is when to lock in an interest rate. Interest rates can change daily, and on occasion, hourly, or sometimes they stay stagnant for a couple of days. What the market does depends on the old adages of supply and demand.  It’s what drives…See More
Apr 25, 2011
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Harvey Abouelata posted a blog post

CHILDREN’S THEATRE of KNOXVILLE e-NEWS - March 2011

  CHILDREN’S THEATRE of KNOXVILLE e-NEWS March 2011  Read here about: “The Lion, The Witch And The Wardrobe,” playing March 18 through April 2 - Auditions for “Tuck Everlasting” on Tuesday, April 5. - Spring Term Classes, beginning March 26 - Cast for “The True Story of Pippi Longstocking” Announced   C. S. LEWIS’S “THE LION, THE WITCH, AND THE WARDROBE” OPENS FRIDAY, MAR. 18, PLAYS THROUGH APR. 2  C. S. Lewis’s dramatic allegory of faith and sacrifice comes to brilliant life on the stage of…See More
Mar 18, 2011
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Harvey Abouelata posted a blog post

The Credit Massage

By Kristin Abouelata, Home Loan Specialist Many time people have had, shall we say, credit hiccups, in their past.  They clean it all up, and get ready to buy a house.  But their credit scores are still insufficient…what can you do? Let’s face it.  Many people get into trouble with credit. They don’t manage it  well, perhaps because they’re inexperienced managing credit.  They were given a million lines of credit, and next thing you know, they can’t…See More
Feb 21, 2011
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Kristin Abouelata posted a blog post

CAIVRS: Why You Care

By Kristin Abouelata, Home Loan Specialist Big Brother is watching you.  Not really, but the Federal government does keep a repository of information that may determine whether or not you’ll be approved for a government loan…… If you’re applying for a VA, FHA or Rural Housing Loan, you are required to get a clear CAIVER authorization code. CAIVRS stands for Credit Alert Interactive Voice Response System.  It’s basically a catalog of all your black…See More
Feb 10, 2011
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Harvey Abouelata posted a blog post

Tax Refund: Buy a House!

By Kristin Abouelata, Home Loan Specialist Expecting a nice tax refund?  Think about using that money as a down payment on a home! Did you know you only need a 3.5% down payment if you buy a home and you are eligible for FHA financing  If you’re getting a sizable chunk of change for your tax refund, it’s a great time to buy.  And, no doubt about it, it’s a buyers market right now.  For first time homebuyers, it’s an advantageous time to take the…See More
Jan 17, 2011
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Harvey Abouelata posted a blog post

CHILDREN’S THEATRE of KNOXVILLE e-NEWS - January 2011

CHILDREN’S THEATRE of KNOXVILLE e-NEWSJanuary 2011  Read here about:· “The Snow Queen,” playing January 14 through 29· AUDITIONS: “The Lion, The Witch, and The Wardrobe” on Tuesday, January 25.· Winter Term Classes, beginning January 15· Cast of "The Fantastic Mr. Fox" Announced  “THE SNOW QUEEN” PREMIERES FRIDAY, JANUARY 14,PERFORMANCES CONTINUE THROUGH JANUARY 29 Hans Christian Andersen’s wintertime fairy tale comes to lifein a thrilling retelling on CTK’s…See More
Jan 14, 2011
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Kristin Abouelata posted a blog post

What’s Old Is New: Changes to Conventional Refi’s

By Kristin Abouelata, Home Loan Specialist In the past year, most of the news out of the mortgage industry is what you can’t do anymore in terms of financing a home loan.  But the good news is now there’s news of what you can do again…… It’s no great surprise that the standard industry guidelines as far as qualifications for borrowers, properties, and loan to values, etc have changed continuously over the past two years.  In particular, the…See More
Jan 4, 2011
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Kristin Abouelata posted a blog post

Vesting in Investing

By Kristin Abouelata, Home Loan Specialist With a proliferation of property and extremely low interest rates, now is a great time to purchase investment property.  What should you know? There’s been buzz lately that now is the time to put your money in real estate, if you have it floating around and know what to do.  And if you and your investment property fit into the secondary market bucket, you can amortize your loan over 30 years, setting…See More
Dec 28, 2010
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Kristin Abouelata posted a blog post

Stealing YOUR identity

Anyone that’s refinanced their home recently comments on the amount of information that has to be collected, documented, verified and re-verified this go around. There’s been some changes in the industry, to say the least. The amount of information you must divulge to your lender could sink you financially if it were to get into the wrong hands. That’s really kind of scary when you ponder it a bit. I mean, after all, we have your social security number, your birth date, your bank account…See More
Nov 12, 2010
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Kristin Abouelata posted a blog post

I've Been Down, but I'm BAAAAACK

Ok, so my husband totally handles my website as far as maitenance goes. So, my annual subscription or whatever it is expired...oh, about 2 MONTHS AGO!!! He just got around to reinstating me. I have a voice again. Bwah ha ha ha ha........I should get better about learning how this whole blog thing works. I am very technically challenged. But I write with a fair amount of ease.......if I could just marry the two...hmmmmmI am glad it's fixed, I must say. For a while my blog link took you to a…See More
Oct 11, 2010
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Kristin Abouelata posted a blog post

Interest Rates-Why Your Rate Stinks and Your Neighbor's Doesn't

Here's the latest article I've posted "officially". I get asked all the time why you don't get the rate you see advertised....sheesh! I hate ads!!!In the old days, you used to be able to call an lender, give them a note amount and term, and get a quote. Lickety splickety. Not a lot of questions. Just “bam”, there’s your answer. It certainly made interest rate comparison much easier. But in today’s mortgage lending world, it’s just not that easy.In fact, say you’re selling a house for the same…See More
Aug 24, 2010
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Kristin Abouelata posted a blog post

Back to School

Back to school time. I always feel overwhelmed this time of year. I know I should wait till tax free weekend to buy all my kids' school supplies, but the "list check-er off-er" in me struggles with the temptation to get it done. Couple all this with the fact that my daughter and I will be out of town for the week before, and I am a mess about it all. But it will work out, it always does.
Aug 2, 2010
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Kristin Abouelata posted a blog post

Good News for a Change

Guess what? Word on the street is that home sales are up. Good news finally. I love it.http://blogs.knoxnews.com/flory/2010/07/local_residential_sales_prices.htmlI saw a big jump in my home purchase business last month. Now the back to school doldrums have set in. But, it's a great time to refinance. Thank goodness for small miracles!See More
Jul 22, 2010
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Kristin Abouelata posted a blog post

I Suck at Blogging

Ok, so I suck at blogging. I'm am inconsistent as all get out. I know that makes my blog site rather boring because how many times does one have to visit it to get any interesting tidbit from it? I know that I stink at it, and I know it takes only a minimum amount of effort to get better at it. And admittedly, it's pretty easy for me to crank out a blog post. I write an article for the News Sentinel once a week and can just spit it out in a matter of minutes. So a little blurb here and there…See More
Jul 20, 2010
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Kristin Abouelata posted blog posts
Jun 7, 2010

Members

Kristin’s articles on Home Loans are very practical, consumer friendly information written in PLAIN ENGLISH.

 

Blog Posts

THDA: Loans for the Brave

By Kristin Abouelata, Home Loan Specialist

Tennessee Housing Development Agency has a new program that is specifically targeted toward qualified members of the armed forces, veterans and their spouses.  And it’s a sweet deal for qualified buyers!



The Tennessee Housing Development Agency is well known in the lending community, And now, THDA has a new program for Veterans known as Veterans Homeownership for the Brave.…

Continue

Posted by Harvey Abouelata on May 10, 2011 at 8:14pm

How the News Affects Your Interest Rate

By Kristin Abouelata,

Home Loan Specialist



Oftentimes, what’s happening with mortgage rates can be determined just by listening to the morning news….

If you’re buying a  new home, one of the biggest questions one has is when to lock in an interest rate. Interest rates can change daily, and on occasion, hourly, or sometimes they stay stagnant for a couple of days. What the market does depends on the old adages of…

Continue

Posted by Harvey Abouelata on April 25, 2011 at 3:41pm

CHILDREN’S THEATRE of KNOXVILLE e-NEWS - March 2011

 

 CHILDREN’S THEATRE of KNOXVILLE e-NEWS

 March 2011

 

 Read here about:

 “The Lion, The Witch And The Wardrobe,” playing March 18 through April

 2

 - Auditions for “Tuck Everlasting” on Tuesday, April 5.

 - Spring Term Classes, beginning March 26

 - Cast for “The True Story of Pippi Longstocking” Announced

 

 

 C. S. LEWIS’S “THE LION, THE WITCH, AND THE

 WARDROBE” OPENS FRIDAY, MAR. 18,…

Continue

Posted by Harvey Abouelata on March 18, 2011 at 1:20pm

The Credit Massage

By Kristin Abouelata, Home Loan Specialist

 

Many time people have had, shall we say, credit hiccups, in their past.  They clean it all up, and get ready to buy a house.  But their credit scores are still insufficient…what can you do?

 

Let’s face it.  Many people get into trouble with credit. They don’t manage it  well, perhaps because they’re inexperienced managing credit.  They were given a million…

Continue

Posted by Harvey Abouelata on February 21, 2011 at 12:14pm

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