Anderson Capital Mortgage – Brentwood TN

Mortage Companies Nashville TN
Anderson Capital Mortgage, LLC is a family owned and operated mortgage brokerage firm serving Tennessee, and Florida. Our company principals, Therese and Mike Anderson offer over 60 years of combined housing industry experience and believe that every borrower’s needs are unique. That is why our team of professionals take the time to ensure your mortgage choice is the best for your specific goals.
Today more mortgage solutions are available to buyers than ever before. As a privately owned brokerage firm we independently search out the ideal loan program from an array of financiers to meet your financial needs. This can make the difference in the amount you pay, the points assessed and even the length of time it takes to get approved.It is this personal attention along with our professional experience that we call the Anderson advantage. Let us put it to work for you.

Anderson Capital Mortgage
783 Old Hickory Blvd., Suite 261
Brentwood, TN 37027
615-221-2702

Real Estate Marketing

Marketing Budget

Real Estate agents are all small business owners and typical of small business owners they have to wear a lot of hats. A lot of small business owners have not received professional training on how to run a business and go throughout their career falling into the pitfalls of business management.

 

Here are the facts:

#1. Very little business management training is supplied by Real Estate Schools. In fact in almost every case there is no time dedicated to Marketing or Business Management in the pre-licensing classes. (If they did they would lose a lot of students) 

#2. Most Agents enter the Real Estate profession under capitalized. 

#3. Agents are hired to Market homes but spend a disproportionate small amount of money on marketing. Buying a new color printer is great and can help you market your listings but like office supplies, it’s a cost of doing business or a “Fixed Cost”.  It can’t be considered part of a Marketing budget for a single piece of Real Estate.

“Fixed costs,” which remain the same regardless of your level of sales. Depending on your type of business, some typical examples would be rent, interest on debt, insurance, plant and equipment expenses, business licenses, and salary of permanent full-time workers. 

#4. The reason they spend a small amount of money is that there are  just a few things they can afford. How do you advertise in a million person market and really feel the effects of your advertising? 

#5. The catch 22 is this: Agents have to spend money with NO guarantee of a return but if they don’t promise marketing they will not get the listing. So, what do they do? A lot don’t do anything except wait for another agent to bring them a buyer. 

#6. The Marketing Budget is usually the first thing to be cut if money gets tight. Bad idea but essential if they are under capitalized. They have to maintain their fixed costs like Realtor dues, office fees, cell phone, MLS dues, gasoline, etc. 

How do Agents Market their Properties? 

It was described to me one time that it was a 3 step process.
Put the listing in MLS, put the sign in the yard, and pray. The reality is they list the property in the MLS, plant the sign in the yard then most often they will have an Open House. An Open House is affordable and if approached properly may produce a buyer or a lead. 

Here is the $64,000 question:
From the potential net earnings from a sale what percentage of that amount do agents commit to the marketing budget?
Example: $100,000 house – 6 % Commission – 80% – 20% split with broker and presume there is a buyer’s agent that gets 3%. 

3% = $3000 Gross
80% of $3000 = $2,400

Marketing Budget:
1% = $24.00
5% = $120.00
10% = $240.00
15% = $360.00
20% = $480.00

Roll of the Dice:
Now the roll of the dice. Does the agent spend $480.00 with the creepy feeling in the back of their mind that they could loose this listing in six months if it doesn’t sell? With “Fixed Costs” at a minimum of $3,000 per year the agent has to sell 1.5 – $100,000 houses per year to cover the fixed costs.

Solutions:
Take 30 minutes to add up your fixed costs for a 12 month period. Then roughly figure out how many hours you will put in and assign an hourly value to your time. The total will tell you whether you want to be a Real Estate agent. It’s a commitment and hard work. There is no Silver Bullet but selling Real Estate can provide a lucrative career for those that approach it with a business attitude rather than a hobby. 

Self Serving Plug for TheDailyClassifieds.Com (TDC)
The overwhelming reason TDC was created was to provide small business owners a Market Plan that is Effective –Affordable – Consistent – Measurable 

The TDC Realtor Membership Marketing Plan

12 month unlimited listing membership is $360.00 the cost of marketing one $100,000 listing with a 15% advertising budget. A summary of what you get is the placement of all your listings on TDC and in Nashville Channel 2’s WKRN.com along with syndication to the top Real Estate search engines on the web.
Here is a link to complete services- Nashville Real Estate Marketing Services

 Dan Zellars
TheDailyClassifieds.Com

Nashville’s Channel 2 Adds Real Estate to Website

Nashville Tennessee
TheDailyClassifieds.Com will Power the New WKRN Channel 2 “Homes 2 View” starting July 15th 2009.

 

TheDailyClassifieds.Com(TDC) has expanded the 
syndication of  their listings to the Nashville’s Channel 2 -Homes 2 View.  Homes 2 View will be launched July 15th and will be available on www.WKRN.Com. At this site consumers will be able to find all Middle Tennessee Homes For Sale, Open House, and rental listings currently listed on TDC. Consumers will be able to find current Real Estate listings for Nashville TN, Brentwood TN,Franklin TN and 12 Middle TN counties. “This relationship gives our agents the added dimension of local advertising” says Dan Zellars of  TDC. “The agent listings need both a  presence on the Internet and local advertising” Zellars adds “but until now individual agents have not been able to consider incorporating the power Television to drive buyers to their listings”. TDC’s  mission is to provide small businesses an effective, affordable, consistent way to market products and services. Zellars credits Jamie Camp of Channel 2’s Internet sales and Gwen Kinsey GM for the vision to create a legitimate current source of local Real Estate & Open House listings. TDC will be handling all agent sales while WKRN will focus on category sponsors.

Local Advertising: Now each of the  The Daily Classifieds listings will benefit from both the power of the Internet and the strength of a local TV station reaching over 1,000,000 homes daily. Channel 2 boosts over 300,00 visitors and 2.6 million page views per month to WKRN.com. TDC & Channel 2 will be airing numerous commercials in support of this new venture encouraging viewers to search Homes 2 View  to find current local Real Estate listings.

Internet Syndication: TDC will of course continue to expand it’s Syndication of listings to the top Real Estate sites on the Internet. Current sites include Google Base,CraigsList, Zillow, Trulia, Oodle, HotPads, Local.Com, Lycos, Military.Com, Real Estate Nashville TN, Apartments Nashville TN, and many more.

GO-MOBILE Search: TDC and WKRN.com will offer a “Mobile Search” which will be available by down loading a FREE application to Blackberry & iPhones. Click to see details & download.

Afforable Marketing Services: TDC offers their Internet Marketing Services to licensed Real Estate agents through the Realtor Membership Plan. This plan offers agents an effective – affordable -consistent way to market all of their listings throughout 12 months for the membership fee of $300.00. No Monthly or per listing fees. Click Here to see a list of all features: Nashville Real Estate Marketing Services

Agents can get complete details by calling the Nashville Office of TDC : 615-673-1112

How to Search For Rental Properties

Don't Stress

After working in the Property Management field and now working hand and hand with property managers though our business TheDailyClassifieds.Com  (TDC) I decided to create a tip sheet on “How to Search For Rental Properties”. If you will consider following  these guidelines I know it will save you time and money while making the whole “Searching for a Rental Property” a little less stressful.

#1. Are You Really Moving?: This sounds funny but you would be amazed how many people call Property Managers and start the conversation by saying ” Well, I think I may be moving sometime this summer do you have any thing available?” Please don’t do this. People get excited when they think there is a chance they may be moving so they start calling every listing in their price range. Slow down, what you need at this point is local information and some cost of living data. Here is a good cost of living site http://www.bestplaces.net/city/.

#2. Area of Town: Know what areas really make sense for you. There are probably only a couple. Do some research through your school or potential employer. Again people will call and ask “what do you have in my price range?’ Well, it dosen’t matter if it’s in your price range if it’s located 50 miles away. It’s Price and Area. Drive the area and see how far it is from your work or school. How close is the shopping?

#3. Lease Rate: Again do your research through the cost of living site and search Rental Property websites like TDC. You have to have a pretty good idea of what comparable properties are charging. If it sounds too good there probably is a problem.

#4. Availability: All listings should tell you when the property is going to be available. If it doesn’t then shame on the property manager but it’s probably available now. If it’s available now they are going to rent it to the first qualified renter. If you are not moving for 6 months don’t waste your time calling. If you are within a true 4-6 week move date the Property Manager may consider holding the property for you with a deposit and maybe a months rent. If it’s the perfect place it’s probably worth it.

#4. Viewing Properties: Here is a big time saver. Pre-qualify the properties. Don’t call the property manager until you have driven by the property. The person answering the phone in the Property Manager’s office may have never seen the property. They will give you a brief flowery description or put you into the voice mail of the leasing agent. They’ll call you back sometime, someday maybe. If you are traveling to your new city to go house hunting remember most property management offices are closed on weekends.

Making Appointment to Tour Properties: After you have pre-qualified some properties call a day ahead of time to set appointments. Don’t set the appointment until you find out about the qualifying terms. If it’s a professional Property Management Company they don’t  have a lot of flexibility and it will waste every ones time if you can’t qualify. Ask the tough questions over the phone. Income requirement- credit rating – deposits – pets etc.
Cancelling Appointments: If you can’t make it to the appointment please call the leasing agent. Being stoodup is the number one pet peeve of property managers.

Rental Agreements: Do not rent a property without a rental agreement. Enough said.

Pictures of the property: Take pictures inside and out of the property before you move in. You can’t take too many. Make sure your camera adds a date. Put them on a disc and give a copy to the leasing agent. The good companies will already have pictures. Save yours you may need them.

Terminating Your Lease Agreement: Read the fine print about “Move Out Notices”. Don’t rely on the what the leasing agent told you they may not be there when you move out. Most companies want a written notice 30 – 90 days in advance. Written!This could cost you a couple of months rent. Make sure you walk-though with the Property Manager for the final inspection. It’s hard to go back and debate the condition of the property after you have moved.

We hope this helps.

Dan Zellars
TheDailyClassifieds.Com

Rental Homes Nashville TN

Nashville Rental Properties

Are you looking for Rental Properties in the Nashville TN Area? You will find many current  Rental listings at TheDailyClassifieds.Com – Rental Property Section. This section is for Homes, Condos, and Duplex type properties. There is a separate section for Apartment Communities. You can search Rental Listings throughout Middle Tennessee including Clarksville TN Rentals, Murfreesboro TN Rentals, Brentwood TN Rentals, and Franklin TN Rentals. All Middle Tennessee rentals are searchable from the Nashville Rental Property page.
We have been working in the Nashville Rental Market for over 10 years and we have had the privilege of working with many reputable Property Management Companies. Here are the names of a few and a brief oversight of their specialties. Simply Alphabetical:
Apex Ventures: Variety of Property Types – Price range (Medium)
Properties are mainly in South Nashville & Hermitage
Crye-Leike PM: Variety of Property Types – Price Range (Medium)
Properties in Nashville,Brentwood,Franklin, and Clarksville
J. S. Properties: Homes & Condos – Price Range (Medium)
Murfreesboro, Smyrna,and LaVergne TN
Jim Fey-Broker South: Homes & Condos – Price Range (Medium)
Green Hills, Vanderbilt, Hillsboro
Jim McCloud-Fridrich & Clark: Homes & Condos – Price Range (Medium)
Green Hills, Vanderbilt, Hillsboro, and Crieve Hall
McGarr & Associates:Variety of Property Types -Price Range (Medium)
Properties are mainly in Nashville
RE/MAX CARRIAGE HOUSE: Homes & Condos -Price Range (Medium)
Mount Juliet,Old Hickory,Lebanon,Nashville
Summit Property Management: Homes & Condos – Price Range (Upper)
Franklin,Brentwood, Vanderbilt, and Downtown Nashville
The Wilson Group: Homes & Condos – Price Range (Medium)
East Nashville & Sylvan Park
Westgate Property Management LLC: Homes & Condos – Price Range  (Upper)
Properties in Brentwood,Franklin,Green Hills, Vanderbilt areas

Here is a tip that will save you time when searching for Rental Properties: Qualify the properties prior to calling the Property Management company. Arbitrarily setting appointments from advertisements (even the Internet ) is a bad idea. Drive by and check out the property and the neighborhood. If everything looks good then call for an appointment. Please, if you set an appointment and have to cancel call the leasing agent.
Read more about “How to Search For Rental Properties”

Dan Zellars
TheDailyClassifieds.Com

Nashville Tennessee Mobile Real Estate Search

TheDailyClassifieds.Com (TDC)

New Nashville Mobile Search

 (TDC) has added a new Mobile Search for the Nashville TN market. Now consumers can search the entire inventory of Real Estate listings in The Daily Classifieds website from their cell phone. The download is free from the TDC website and there is not a charge from the carriers for BlackBerry & iPhones. There are a variety of APPs available depending on your phone’s capabilities. If your phone has Internet access you should be able to search. The advanced GPS search is available on iPhones and Blackberrys. GPS search is available through Sprint & ATT  -Verizon & T-Mobile will be added soon. For phones other than the iPhone& Blackberry,  please verify with your carrier if they will charge for the service.

 

Consumer Friendly
TDC has designed this service to be Consumer Friendly including eliminating those annoying cold calls from agents.  The consumer will have the option to connect with the listing agent. “We believe there is a consumer fatigue to unsolicited calls from lead generation systems embedded in other Mobile Searching Systems” says Dan Zellars of TDC. “Just let the consumer search.  They will let you know if they need more information. It’s a great way to search but if you receive 15 phone calls at the end of the day it hardly makes it worth it.”

Search Features
The standard search fields include city, address, neighborhood, price, beds & baths etc. TDC was aware that a larger number of house hunters are untilizing the Mobile Search and to keep pace in the market TDC needed a Mobile application.  TDC will be adding the same Mobile Search to their Knoxville TN, Huntsville AL, and Mobile AL operations. New Apps will be added for Open House Listings & Rental Properties are in the works and will be added soon. The Mobile search is a customized version of the Smarter Agent application. Agents and Real Estate offices interested in offering a Mobile Search can contact TDC for information.

TheDailyClassifieds.Com
615-673-1112
Info@TheDailyClassifieds.Com

 

Don’t Throw the Boomer into the Twitter Blog

Does this make sense?  Well maybe as much as all the stuff I heard at seminar I just attended on using Social Networking for business.  I found out one thing: there isn’t a generation gap.  There are three of them and for the first time I’m on the side that is saying, “this stuff is for kids”.  Oops, I forgot we’re Boomers now.  There are tens of millions of people we need to communicate with and we don’t know the right way to do it.  Do we use text messaging or is it a Tweeter?  Let me sum it up, you need to know about these new communication methods but not all at once.  Slow down and eat this elephant one bite at a time (2000 Term).  Pace yourself, tackle one at a time but don’t ignore this evolution or you will be out of the loop (70’s).  

Not everything you hear about is an absolute and there are new things being introduced everyday.  Some things are cool ( 50’s) but really are not applicable to your situation.

When you hear about Facebook, MySpace,Twitter, Linkedin, and Blogging remember you don’t have to use them all.  They all do different things.

You also have to understand that these are not Silver Bullets and each one has to be managed.  They require a commitment and to work they have to be maintained.  They are not a website, but like a website they have to evolve.  If you let them become stagnate you have wasted your time.  Before you jump into one of these new fangled deelie-bobs ( 30’s ), do yourself a favor and find a boomer sensitive class to attend.

Here’s one in the Nashville area that is geared to your rotary dial brain. Robert Morris Seminars, Inc. http://www.robertmorris.com/courses/

These classes should be inexpensive and painless.  It’s OK to say “I don’t understand” and ask questions.  Find yourself another inquisitive dude or dudette ( 90’s) and help each other get started.

If it makes you feel better there are a lot of Xer’s & Yer’s that don’t know how to use these things either.

 

If you would like a copy of this I’ll be glad to mimeograph a copy and send it over using my facsimile machine.  Man this new stuff is great!

 

Dan Zellars

TheDailyClassifieds.Com

Nashville TN

DanZ@TheDailyClassifieds.Com

Real Estate Nashville TN .COM & TheDailyClassifieds.Com Merge

The regional classifieds website TheDailyClassifieds.Com has merged with the Real Estate website “Real Estate Nashville TN“. This move will create a larger Real Estate listing base for those interested in shopping the Nashville – Middle Tennessee markets. TheDailyClassifieds.Com (TDC) offers Licensed Real Estate agents a quick efficient way to market their properties not only on TDC but on 10 of the top Real Estate search sites. Those include CraigsList, Trulia, Yahoo Real Estate, Zillow, Google Base and more. TDC has created a seamless unloading system that requires agents only have to enter their listings one time in the regional MLS ( RealTracs ). The rest of the uploading is accomplished by TDC. This process assures the agents a good Internet presences while saving them valuable time. To compete for today’s Real Estate listing the agent must be able to demonstrate to the potential customer their ability to market on the Internet. This merger and the launching of their Open House site www.OpenHousesNashville.Com have enabled TDC to become a much larger player for the Realtors advertising dollar. TDC expects to make more expansion announcements in December 08.

Dan Zellars – TheDailyClassifieds.Com

New Fire Prevention Products for Your Home.

NO-Burn Fire & Mold Retardant Products Change the Focus from “Reaction” to “Prevention”
New Products to consider for Existing and New Construction Homes
PowerPoint – Click to see: no-burn-residential
Dan Zellars – Nashville Fire & Safety LLC – Nashville TN

Bad News -Good News

The Bad News:
Like most I really didn’t realize how vulnerable we are to fire until I became a dealer for the Fire Retardant Paints manufactured by No-Burn International. Basically we are naive to Fire Prevention techniques we need to apply in our homes. We think that if we have smoke alarms we are protected or at least we think that this is all that is available. Maybe if we push the envelope we buy a Fire Extinguisher. We could be dead wrong. Yes we know not to smoke in bed and never leave a stove unattended. No wait a minute we don’t, the most likely places for a fire in your home are #1. Kitchen (Cooking) #2. Bedroom (Smoking, Can You Believe it?) & (Candles, use a mood light). We need to see the larger picture! Not to belabor you with all the 10 myths about home fires but please review the top five #1″It Won’t Happen to me” #2. It will happen during the day #3. I’ll be at home when a fire breaks out #4. I’ll be aware of the fire when it starts #5. A phone will be available and I’ll just call the Fire Department.  OK, you get the picture but consider it sometimes only takes less than 5 minutes for a room to become engulfed in flame & smoke. Then consider that 50% of the time the Fire Department’s response time is in the 5 minute range if you live in a metropolitan district. What happens the other 50% ? Live in a rural area? We do and it multiplies the problem. See a Real Story From the Pegram Tennessee Volunteer Fire Department. In fact the truth is we just leave it up to the Fire Department. If we have a fire we just call the fire department and the problem is solved. We’ll let them deal with our burning attic that’s stuffed with the junk we’ve conveniently hidden there for years.  No need to worry about those gas cans – propane bottles – paint cans stored in the basement or garage, the Fireman will find them. We place the burden squarely on their shoulders. We create the perfect Roman Candle and we let them try to put it out. Operating budgets are always a problem for the Fire Departments but now even more so  ” Financial Crisis and the Fire Service”. We need to take more responsibility for the protection of our families and homes through appling additional layers of protection to increase but escape and reaction time.
Enough, this article could go on for pages. Let’s get the good news.

The Good News:
We now really can do something affordable to help ourselves and the Fire Departments save lives and protect our homes. There is a line of affordable Fire Retardant Products called No-Burn. These are highly tested products ( Testing Info ) that really work. See Videos. The Products include Wood-Gard that is used on the framework of the home (all the raw wood). No-Burn “Plus” that is a white latex paint for interior walls. Fabric-Gard for furniture and fabrics. No-Burn Original for items like cabinets and finished woods. Did you know that your home has a total wood content five time greater than the square footage of the flooring. Yes, the average 2000 square foot home has approximately 10,000 square feet of wood. Man, that’s a lot of fuel. All of this wood can be treated as a home is being built. Builder’s Risk & Home Owners Insurance Discounts are available. It will last for the life of the structure and it has a Mold Inhibitor included in it. So now you are protecting your entire house from fire and mold for the cost of a small surround sound system. Suggestion: if it’s a choice between a surround sound and fire protection go ahead and run the wiring for the surround sound and install it later. Protect your investment. I’m not saying your house will be fire proof (anything will burn at the right temperature) but you sure will be stacking the deck in your favor in the game of Fire Prevention. This isn’t just for new construction consider having your kitchen and bedroom treated. Remolding? It’s a perfect time to include No-Burn into the project. Except for the Fabric-Gard the products are not sold to the public they are applied by the local dealer that is trained to apply the products in accordance with the laboratory testing results. You don’t want someone cutting corners when it comes to your safety. If you are interested please give us a call 615-673-1112 or email us at DanZ@NashvilleFireandSafety.Com. Estimates are free and if we don’t have the right solutions will be glad to share our knowledge with you. Please support your Volunteer Fire Departments. Did you know you can Volunteer to your department without being a Fire Fighter? Call them and ask how you can help.

Dan Zellars

Nashville Fire & Safety LLC
Pegram, TN (Nashville Area)
615-673-1112
DanZ@NashvilleFireandSafety.Com

Open House Listings Nashville TN

If you are looking for Open House Listings for the Nashville - Middle Tennessee area check out the Open House section of www.TheDailyClassifieds.Com. This section provides viewers a fast easy way to see this week’s current Realtor Open House Listings. You can search by all the traditional fields including specific areas of town. Like Homes For Sale Green Hills, Homes For Sale Brentwood TN, and Homes For Sale Franklin TN. For agents that are interested, the listings can be place anytime starting Monday morning and they expire Sunday night. For more information on how to place Open House Listings for the Nashville TN area call 615-673-1112. TheDailyClassifieds.Com offers an affordable effective way to post Real Estate listings on the important Real Estate websites on the net. TheDailyClassifieds.Com also owns and operates www.OpenHousesNashville.com – www.RealEstateNashvilleTN.com – www.ApartmentsNashvilleTN.com . To see Just Listed properties Nashville TN you can utilize TDC’s RSS Feed: http://www.thedailyclassifieds.com/googlerss/

TheDailyClassifieds.Com Uploads to Real Estate Websites.