Real Estate is LOCAL

Now is the perfect time to buy.

The real estate market in Cleveland, TN is GOOD.
Interest rates arelow, there are plenty of homes on the
market to choose from. The $ 8,000 tax credit for first
time home buyers is a big plus.
$ Look for the monthly siminar at our office, call 
423-478-2332 to reserve your seat now. Learn about
the $ 8,000 tax credit, talk to a mortgage professional,
get all the facts, get your questions answered and start 
down your path to owning your own home.  
                       
There are also many investment opportunities to take
advantage of as well. Start your search now.

My goal is to work for you, making your decision to
purchase or sale as stress free and exciting as possible.
I would like to invite you to take advantage of
all the resources available from Century 21's large
nationwide network. to find new homes, homes under
construction, residential, commercial properties,
foreclosed properties, fixer uppers, what ever
your real estate needs are, I'm here for you.

At Century 21-st Choice Realtors we share a get by
giving philosophy.To you this means the best possible
service and to us it means we did our job well. Call
today for your appointment. Lets get together and see if
we're a good fit and can work together to find your dream
home.

Selling homes in Cleveland, TN one home at a time.
Each and every home on the market has its own special
features or specialities. Sometimes when you walk in
the door, you know automatically, that home is the one
for you. My satisfaction is greatest when you find just
what you are looking for.
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Thinking of Selling?

Are you thinking of selling your property by yourself?
Do you know how to tell the difference between
someone who is ready, willing, and able to purchace
over someone who is just looking?  Do you know
how much your home is worth? Do you need
answers to these questions and more? Give me a call
to schedule a FREE tour and a Current Market Anslysis
( CMA).You have nothing to loose and everything to gain.
* Did you know that the same home in two different
sections of the same town can have different values? Do
you know how much your property is worth? Do you
need to do anything to your property before you put the
sign in the yard? Do you know just how much to do and
how much can wait? I would like to have the
opportunity to talk with you and provide  you with any
answers you may need, I'm just a phone call or email away.

Do you want to attract international buyers to your
property?  Do you want quick interest and offers on
your property?  Check out the two links below for
more information.

              
  click button to view  

Now is the right Time to look toward the purchase of
a new home. This home is ready for new owners.
$ 69,900 come see for yourself
Reduced Short Sale

          4th of July Special         

3 BR 1 Bath 1309 SF

To find out more about n-play, click the link befow.
(Learn how to make an offer in real time)
    


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Important Message:

Attention Veterans:

Did you know that if you have previously used the VA
to purchase a home and that home is now paid off or
sold you may be eligible to use your VA benefits again
to purchase another home? If this is of interest to you
click here. You can also find other important information
on the above link that might be of interest to you.

Today in Cleveland:

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Did you Know?
We are now licensed in Georgia. Do you have a home in
Georgia you need to sell or are you looking to buy?
Perhaps you know someone who is interested in buying or
selling in Georgia, if so, please tell them we are ready to
serve their needs.
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Investors- are you looking for land? or Commercial
Property? Call today for information. Large parcels
available for purchase. Looking for a bussiness
opportunity?
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For Your Information:
"Sometimes bad things happen to good people" is a saying
that we hear all the time. Unfortunately it is true. Life
moves fast and things happen.

If you or someone you know is worried about the
possibility of loosing a home to foreclosure and want
to prevent that from happening, call or email today for
a confidential interview( you are under no obligation to
do anything more than just talk).

Every situation is different, don't wait for the first
notice,seek help at the first sign of trouble, contact your
mortgage company to see what options they can offer
you.

Time is short once that first notice goes out.The
following is a brief time line of just how short a time
span is available. If you or anyone you know finds
themselves in this situation, the time to act is now.
One thing to remember is that not every property can be
saved, every situation is different, and what works for
one may not work for the next.

Foreclosure Timeline
Day 1: Notice of Default (NOD) recorded. The
defaulting property owner has 3 calendar months to cure,
or payback the default amount, either by paying off the
lien, or by negotiating a payment plan.
Within 10 days: Notice of Default mailed.
Within 1 month: Notice of Default mailed.
3Months Later: Trustee schedules a Trustee'sSale
(auction).
21days later: On the date of sale, trustee sells the
property to the highest bidder. This sale is usually held at
the trustee's office, or at the CountyCourthouse (call
trustee for updates on time, date, place). (The information
above was gathered from sources deemed reliable  and is
intended for informational purposes only. Please consult
official assessment records, State and county terms and
policies may vary so consult your local professionals).
For other interesting information that might be of
interest to someone facing foreclosure click here.


What is a short Sale?

A short sale is where the property is sold for less than
what is owed against t.Will it work for everyone? The
answer is NO. Every  situation is different, not all
lenders are set up the same and all loans are not equall.
Will a short sell be of benefit to the homeowner?  Maybe.
If your lender will consider it, it could be better than a
foreclosure as far as your credit is concerned, but not
always.Each case is different. Would you like more
information on this subject? click here.

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'FOR ALL THINGS REAL ESTATE'
Buying or selling.
Find outwhat your homeis worth.
FREE Current Market Analysis (CMA)
First Time HomeBuyers. $ 8,000 TAX CREDIT
Residential / Commercial
Investment / Relocation
Community Involvements
Foreclosures
Land
TN or GA properties

Denise Bivens,e-PRO
CENTURY 21-1st Choice Realtors
Selling Cleveland, TN. homes one at a time.
__________________________________________
Denise Bivens, e-PRO What is an e-PRO?

TN. ID # 00299132
TN. Living Network# 11450995
Century 21-1st Choice Realtors
2075 NorthOcoee Street
Cleveland, TN. 37311
Business: (423)478-2332 Fax: (423)478-2331
Cell: (423)715-2617
denise.bivens@century21.com

_______________________________________
Teresa Vincent-Owner/Broker
Century 21-1st Choice Realtors
________________________________________ 
view All Listings, click the here.

Featured Listings MLS# 150363 $69,900 Cleveland, TN Bradley County Built In: 1938 Type: Residential 3 Bedroom(s) 1 Full Bath(s) Lot: -1 For More Information Contact: Denise Bivens Phone: (423) 715-2617

Current Inventory MLS# 141142 $379,000 Cleveland, TN Bradley County Built In: 1984 Type: Commercial For More Information Contact: Denise Bivens Phone: (423) 715-2617 MLS# 151892 $500 Etowah, TN Unknown County Built In: 1976 Type: Residential 2 Bedroom(s) 1 Full Bath(s) Lot: -1 For More Information Contact: Denise Bivens Phone: (423) 715-2617 MLS# 144417 $62,900 Etowah, TN Unknown County Built In: 1976 Type: Residential 2 Bedroom(s) 1 Full Bath(s) Lot: -1 For More Information Contact: Denise Bivens Phone: (423) 715-2617 MLS# 151842 $389,000 Birchwood, TN Meigs County Built In: 2005 Type: Residential 3 Bedroom(s) 2 Full / 1 Half Baths Lot: 18.94 For More Information Contact: Denise Bivens Phone: (423) 715-2617 MLS# 137968 $17,500 Cleveland, TN Bradley County Type: Developed Land Lot: 1.05 For More Information Contact: Denise Bivens Phone: (423) 715-2617 MLS# 151803 $1,100,000 Cleveland, TN Bradley County Built In: 2007 Type: Commercial For More Information Contact: Denise Bivens Phone: (423) 715-2617 MLS# 151801 $389,000 Cleveland, TN Bradley County Built In: 2006 Type: Residential 4 Bedroom(s) 4 Full Bath(s) Lot: 2.05 For More Information Contact: Denise Bivens Phone: (423) 715-2617 MLS# 151786 $19,000 Cleveland, TN Bradley County Type: Developed Land Lot: .77 acres For More Information Contact: Denise Bivens Phone: (423) 715-2617 MLS# 135069 $169,000 Calhoun, TN Unknown County Type: Developed Land Lot: -1 For More Information Contact: Denise Bivens Phone: (423) 715-2617 MLS# 143807 $28,900 Cleveland, TN Bradley County Built In: 1910 Type: Residential 2 Bedroom(s) 1 Full Bath(s) Lot: 0 For More Information Contact: Denise Bivens Phone: (423) 715-2617 MLS# 151679 $94,900 Cleveland, TN Bradley County Built In: 1970 Type: Commercial For More Information Contact: Denise Bivens Phone: (423) 715-2617