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As your Chattanooga Real Estate Consultant I'm confident you will find this site extremely helpful and informative. Be assured that I will be here when you need me to assist you in your goal of buying or selling a home.

The Chattanooga Home Team's and my professional "can do / will do" attitude combined with my experience and expertise will result in either quickly finding you the "perfect" home to buy and negotiating the best price for you OR, cause your house to sell quickly for the best price possible. Put a powerful negotiator in your corner who will keep the deal together through closing! In  fact, the ONLY Master Certified Negotiations Expert (MCNE) in Chattanooga!

There will be NO Buyer fees paid to me what-so-ever! I will have the Seller's REALTOR split their fees with me. The Chattanooga Home Team has a $150 administrative fee charged at closing (excluding VA loans).

Feel free to explore this site of Hamilton County Tennessee communities including Chattanooga, East Brainerd, Brainerd, North Chattanooga, Ooltewah, Harrison, Lookout Mountain, St. Elmo, Signal Mountain, East Ridge, Red Bank, Hixson, Soddy Daisy, and Sale Creek. Also, don't forget that Chattanooga, TN is right on the Georgia border which gives you the option of living in Ringgold (Catoosa County), Ft. Oglethorpe (Catoosa & Walker Counties), and Rossville (Walker County), GA. This website is a comprehensive online tool with direct access to the latest homes and properties for sale in Chattanooga and NW Georgia. It features extensive community information, consumer links, school information, free reports, answers to commonly asked real estate questions, and more, you'll find everything about Chattanooga homes and real estate within one source. Area maps are located HERE. Also, don't forget to check out all of the Community Links to learn everything about Chattanooga, Tennessee and NW Georgia.

If you currently own real estate and are thinking of placing it on the real estate market, this site contains information about preparing your home for sale, selecting the right real estate consultant, pricing your home competatively, marketing it effectively, and receiving timely market snapshots and evaluations.

Sincerely,

George   

Real Estate News!!!

Latest Realty News from NAR

What’s the Right Way to Structure a Marketing Service Agreement?

Real estate practitioners entering into marketing service agreements with lenders, title companies, and other settlement service providers is a well-established practice, but a recent court decision shows why you have to structure these agreements the right way.

VRE 81 image

An appellate court just ruled that it’s okay for a mortgage lender to refer business to mortgage insurers who are buying reinsurance from an affiliate of the lender, because the reinsurance is a bona fide service and the insurers are paying fair market rates for it. In other words, the arrangement doesn’t amount to a kickback.

Although the case involves a lender, insurance companies, and a reinsurer, the structure of the agreement is something that applies to the kind of marketing service agreements you might be involved in as an agent or broker. Any agreement you enter into with a lender or title company must be for actual services rendered and priced at fair market rates and not simply an arrangement for referrals.

How do you ensure a marketing agreement is appropriate under federal anti-kickback rules? The most important thing is to have it looked at by an attorney who’s familiar with the Real Estate Settlement Procedures Act, or RESPA. For a general idea, though, there are two tests you can apply:

1.Is the marketing fee you receive based on the number of referrals you make to the company, whether it’s a title company, a lender, or another service provider? If the fee corresponds to the number of referrals, you could be inviting a close look by the Consumer Financial Protection Bureau (CFPB), which is the federal agency that enforces RESPA.

2. If you have an arrangement to split costs on a joint project, like a newspaper ad, is the split reflective of what each of you get in return? For example, if you and the title company are splitting the cost of the ad down the middle, then half the ad should go to the title company and half should go to you. If the title company is covering 75 percent of the cost of the ad but only taking up 25 percent of the space, that split makes it look like the company is subsidizing 50 percent of the ad cost. Again, you could be inviting a close look by the CFPB.

Learn more about the recent court decision in the latest Voice for Real Estate news video from NAR. The video also looks at what was in the budget agreement enacted into law about two weeks ago. Among other things, the new law extends the tax deduction for mortgage insurance premiums and retains the prohibition on taxing forgiven mortgage debt as income. It also looks at why a recent Supreme Court decision on the regulation of bodies of water is important to your inbdustry.

Watch video now.

Robots are Starting to Do Showings

vre 80 stillA company called Zenplace in San Francisco is using robots to help its agents conduct showings. When people arrive at the unit, they’re greeted by what amounts to an iPad on a mobile stand that leads them around, but it’s personalized; it’s the agent’s image and voice that people see and hear. Other companies are coming out with their own versions of this.

It’s a good question whether this type of automation will take off. As people get used to buying goods at automated stores in which everything is done with your phone or credit card and no employees are around, it’s feasible mobile iPads will do the trick at showings.

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Screen grab from Zenplace video

Whether you like the idea or not, it’s a trend that’s poised to hit your industry. There are other tech trends you’ll be faced with whether you like them or not. One is a kind of virtual tour that’s more immersive than what you get by just wearing goggles. You get an additional tactile component, because you’re wearing gloves with sensors. Now you feel the door handle when you open the refrigerator as well as see it in multiple dimensions.

Will this be the norm six years from now? Who knows, but now that the genie’s out of the bottle, it’s not likely to get put back in.

REALTOR® Magazine spent a few days at CES in Las Vegas two weeks ago and brought back coverage of all types of tech innovations coming to real estate. CES stands for Consumer Electronics Show and it’s the big showcase each year at which companies try to wow people with what the’re cooking up for us.

You can learn more about CES and also about real estate robots in the latest Voice for Real Estate video. The video also looks at something the U.S. Department of Labor did a few weeks ago that could eventually be important to you because it promises to get the real estate industry one step closer to setting up association health plans (AHPs) for independent contractors.

The agency proposed adding “working owner” to the definition of employer for purposes of setting up AHPs, which would enable sole proprietors and small business owners to ban together for insurance under the large group market, which could make coverage available more cheaply than under the small group market. There remain a lot of hurdles, but this was a crucial step in the right direction.

The video also looks at the three-day federal government shutdown and what could happen to your pipeline of homes sales if there’s another one in a few weeks, which could happen since the short-term budget law expires in early February. If your buyers are applying for FHA-backed financing, they would probably be okay, although processing might take a bit longer. But if they[re buying a new house in a flood area, they might not be able to get flood insurance, and that would mean a delay in  closing.

Watch the video now.

Do Personality Assessments Work? Sometimes.

@maialisa, 2016. pixabay.com

@maialisa, 2016. pixabay.com

I’ve always been skeptical of personality assessments. After taking the DISC twice—once getting a D/C and more recently getting a high, nearly even I/D—I found that both results matched my personality on some levels and conflicted on others. This is where my skepticism come in. There’s truth in assessments to varying degrees.

Whether or not you’re looking into assessments for personal insight or to use as a tool for hiring, it’s important to find the right one for you. Recently, I wrote a piece for REALTOR® Magazine on EQ vs. IQ, which examines the concept of emotional intelligence and how it relates to working with clients. I interviewed experts in the field who offered actionable tips for getting in touch with your EQ and applying it to your job in real estate. The article is divided into three parts, and in the last section—which is targeted at broker-owners or hiring managers—I dive into how to recruit high-EQ candidates.

As part of my research, I took Keller Williams Realty’s Keller Personality Assessment (KPA), which I found to be the most accurate and enlightening assessment I’ve experienced to date. It encapsulated so many idiosyncrasies of my personality that it was astonishing. But I shouldn’t be surprised since their business model is all about building teams that work well together. What better way to get a window into a person’s true self than by asking them to take an assessment to learn how they’ll fit in with your group? The key word in that question is “window.”

Whether you’re using DISC, a brokerage tool like KW’s KPA, or another test, such as the Caliper Profile, look at it as one piece of the puzzle (e.g. don’t put all your eggs in one basket). You still need to make sure you’re recruiting the right person or making a good hire. Here are some takeaways after taking the KPA:

Know what you’re assessing. Hiring someone just because you like them or you “click” isn’t always a good idea. Really consider the skillset the job requires before administering the assessment. Know what you’re looking for and have a checklist. Make sure you’re judging candidates not only on their strengths but how those strengths might serve as either pros or cons in a specific position.

@Clker-Free-Vector-Images, 2014. pixabay.com

@Clker-Free-Vector-Images, 2014. pixabay.com

Understand that an assessment might not tell the whole story. Some candidates can overthink their responses when taking an assessment, which may affect accuracy. That’s why it’s imperative to ask follow-up questions pertaining to the results of any tests you administer. Ask the candidate how they feel about the results and how accurate they think they are. Ask for examples pertaining to candidates’ assessed strengths as they’ve played out in real-life or on-the-job.

Don’t put people in a box. I hate using that box cliché, but it’s true. Many assessments cement a person as one way or another, failing to consider how one trait might inform other characteristics. For instance, my high responsiveness, spontaneity, and logical problem-solving skills, coupled with my desire for independence, means I work best in environments that are busy, active, and give me a range of responsibilities to manage. But looking at each of those traits independently, you might not draw that conclusion.

In-person interviews are best. It’s much easier to read someone’s comfort level when you see their body language. You can also give them insight into your company culture. And according to Karina Loken, president of The Loken Group with Keller Williams Luxury International in Houston, if a candidate feels your office is a good fit for them, it’s always good for your organization.

 Read More: Is EQ More Powerful Than IQ?

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Furniture Makeovers

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What people are saying about George...

If you are moving locally or from out of state, do yourself the biggest favor ever and engage the services of George Kammerer. George's knowledge of the area is unsurpassed, and guided us to an area that we described we were interested in living and suited our specific needs. Since we were moving from out of state, the timing was critical that we could coordinate our time and George's to the maximum. He also is remarkably quick to respond to any email or text that you submit. He is the first realtor [we've used] that truly wants his clients to be happy! He asks questions that are relevant to finding the house that you expect to find within the price range that you specify....George does not "push" nor does he "fast talk" you into making a hasty decision. He is a very patient man and has a background that can assist you in answering questions you may have while reviewing a home. I believe my husband and I are "sort of picky" and we would rate George a 5+ in every area shown above. Ruth VonDreau
We worked with George in selling our home (which was a great experience), so having him help us buy our next home was a no-brainer. He was always available to us, and would hunt down information we felt important in the listings we were viewing. His expertise in the area, especially Chattanooga, was very helpful and allowed us to finally choose a home for our family. We would highly recommend his services. Ralph & Jennifer Hairsine
We visited Chattanooga on 2 separate occasions to look at properties with George. He gave us 100% of his time and attention and knew exactly what we were looking for in a home. We trusted him so much in fact that we ended up purchasing a home that we never got a chance to visit in person. It came on the market just as we were leaving Chattanooga, but George visited the listing, took pictures and inspected the property. He was certain it was the home for us and we trusted him. George went above and beyond what we expected by visiting the home to make sure that it was properly maintained for 3 months while we prepared to relocate from Nevada. He even turned on the air conditioner for us once the weather warmed up to keep the house comfortable. We are happy to have met him and now be able to call him a friend Jacquie Brown
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