The Kestner Team

Are you in financial trouble?  Are you at risk of losing your home to foreclosure?  You don't have to face it alone.  Below is a list of HUD approved counselors in the State of Tennessee.  They can help you find the best path to get you through any current financial hardships.

Agency Name: FAMILY SERVICE AGENCY - CCCS Phone: 901-383-2193 Toll Free: 800-255-2227 Fax: 901-377-9282 Email: Address: 2855 Stage Village Cove Bartlett, Tennessee 38134 Counseling Services: - Home Equity Conversion Mortgage Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling - Renters Assistance - Services for Homeless Languages: - English Only Affiliation: FAMILY SERVICE AGENCY - CCCS Website:

Agency Name: 28TH LEGISLATIVE DISTRICT COMMUNITY DEVELOPMENT CORPORATION Phone: 423-698-8190 Toll Free: Fax: 423-698-8191 Email: twoeight@bellsouth.net Address: 815 N. Hickory Street Chattanooga, Tennessee 37404 Counseling Services: - Homebuyer Education Programs - Marketing and Outreach Initiatives - Mobility and Relocation Counseling - Money Debt Management - Predatory Lending Languages: - English Only Affiliation: STRUCTURED EMPLOYMENT ECONOMIC DEVELOPMENT CO Website: http://www.cdc28th.org

Agency Name: CATHOLIC CHARITIES OF EAST TENNESSEE Phone: 423-267-1297 Toll Free: Fax: 423-265-4923 Email: christine@ccetn.org Address: 859 McCallie Avenue Chattanooga, Tennessee 37403 Counseling Services: - Fair Housing Assistance - Homebuyer Education Programs - Marketing and Outreach Initiatives - Mobility and Relocation Counseling - Money Debt Management - Renters Assistance - Services for Homeless Languages: - English Only Affiliation: CATHOLIC CHARITIES USA Website:

Agency Name: CHATTANOOGA NEIGHBORHOOD ENTERPRISE, INC. Phone: 423-756-6207 Toll Free: Fax: 423-756-3851 Email: mturner@cneinc.org Address: 1301 Market Street #100 Chattanooga, Tennessee 37402 Counseling Services: - Fair Housing Assistance - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling Languages: - English Affiliation: Website: http://www.cneinc.org

Agency Name: DEPARTMENT OF HUMAN SERVICES CITY OF CHATTANOOGA Phone: 423-757-5551 Toll Free: Fax: 423-757-5294 Email: pruitt_tom@mail.chattanooga.gov Address: 501 W. 12th Street Chattanooga, Tennessee 37402-3852 Counseling Services: - Home Equity Conversion Mortgage Counseling - Homebuyer Education Programs - Loss Mitigation - Mobility and Relocation Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Prepurchase Counseling - Renters Assistance - Services for Homeless Languages: - English - Spanish Affiliation: Website: http://www.chattanooga.gov

Agency Name: PARTNERSHIP FOR FAMILIES, CHILDREN AND ADULTS/CCCS OF CHATTANOOGA Phone: 423-490-5620 Toll Free: 800-459-2227 Fax: 423-490-5624 Email: tjohnson@partnershipfca.com Address: 2221A Olan Mills Drive Chattanooga, Tennessee 37421 Counseling Services: - Home Equity Conversion Mortgage Counseling - Loss Mitigation - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling - Renters Assistance Languages: - English Only Affiliation: Website:

Agency Name: CLEARPOINT FINANCIAL SOLUTIONS, INC. Phone: 877-877-1995 Toll Free: 877-877-1995 Fax: Email: customerservice2@clearpointfs.org Address: 1685 Ft. Campbell Blvd., Suite D Clarksville, Tennessee 37042-3515 Counseling Services: - Loss Mitigation - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Prepurchase Counseling Languages: - English Affiliation: CLEARPOINT FINANCIAL SOLUTIONS, INC. Website: www.clearpointcreditcounselingsolutions.org

Agency Name: GAP COMMUNITY DEVELOPMENT RESOURCES, INC. Phone: 615-591-4345 Toll Free: Fax: 615-591-4398 Email: teresaburns3@aol.com Address: 129 West Fowlkes Street Suite 137 Franklin, Tennessee 37064 Counseling Services: - Fair Housing Assistance - Homebuyer Education Programs - Loss Mitigation - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling - Renters Assistance Languages: - English - Spanish Affiliation: Website: http://www.gapcdr.org

Agency Name: WEST TENNESSEE LEGAL SERVICES, INC. Phone: 731-426-1307 Toll Free: 800-372-8346 Fax: 731-423-2600 Email: emma@wtls.org Address: 210 West Main Street Jackson, Tennessee 38301 Counseling Services: - Fair Housing Assistance - Home Equity Conversion Mortgage Counseling - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Mobility and Relocation Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance - Services for Homeless Languages: - English Only Affiliation: WEST TENNESSEE LEGAL SERVICES, INCORPORATED Website: www.wtls.org

Agency Name: CCCS OF GREATER ATLANTA - JOHNSON CITY BRANCH Phone: 800-251-2227 Toll Free: 800-251-2227 Fax: 404-260-3340 Email: info@cccsinc.org Address: 2113 N Roan Street Suite 706 Johnson City, Tennessee 37604 Counseling Services: - Home Equity Conversion Mortgage Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Prepurchase Counseling - Renters Assistance Languages: - Spanish Affiliation: CCCS OF GREATER ATLANTA - MAIN OFFICE Website: http://www.cccsinc.org

Agency Name: CCCS OF SOUTHWESTERN VA/AMERICAN CREDIT COUNSELORS, A DIVISION OF MMI Phone: 888-845-5669 Toll Free: Fax: 713-592-0298 Email: virginia.garretson@moneymanagement.org Address: 1999 E. Stone Dr., Ste. 102 Kingsport, Tennessee 37660 Counseling Services: - Home Equity Conversion Mortgage Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Renters Assistance Languages: - English Affiliation: MONEY MANAGEMENT INTERNATIONAL INC. Website: http://www.moneymanagement.org

Agency Name: CCCS OF GREATER ATLANTA - KNOXVILLE BRANCH Phone: 800-251-2227 Toll Free: 800-251-2227 Fax: 404-260-3340 Email: info@cccsinc.org Address: 521 Callahan Road Suite 101 Knoxville, Tennessee 37912 Counseling Services: - Home Equity Conversion Mortgage Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Prepurchase Counseling - Renters Assistance Languages: - Spanish Affiliation: CCCS OF GREATER ATLANTA - MAIN OFFICE Website: http://www.cccsinc.org

Agency Name: KNOX HOUSING PARTNERSHIP, INCORPORATED Phone: 865-637-1679-223 Toll Free: Fax: 865-637-9713 Email: yhall@khp.org Address: 109 N. Winona Street Knoxville, Tennessee 37917 Counseling Services: - Fair Housing Assistance - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance Languages: - English Affiliation: Website: http://www.khp.org

Agency Name: KNOXVILLE AREA URBAN LEAGUE Phone: 865-524-5511-120 Toll Free: Fax: 865-525-5154 Email: akyle@thekaul.org Address: 1514 E. Fifth Avenue PO Box 1911 Knoxville, Tennessee 37917 Counseling Services: - Home Equity Conversion Mortgage Counseling - Homebuyer Education Programs - Marketing and Outreach Initiatives - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance Languages: - English Only Affiliation: Website: http://www.thekaul.org

Agency Name: LEGAL AID OF EAST TENNESSEE Phone: 865-637-0484 Toll Free: 800-821-1312 Fax: 865-252-1162 Email: dhouse@laet.org Address: 502 South Gay Street Suite 404 Knoxville, Tennessee 37902-0000 Counseling Services: - Fair Housing Assistance - Home Equity Conversion Mortgage Counseling - Homebuyer Education Programs - Loss Mitigation - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling - Renters Assistance - Services for Homeless Languages: - Spanish Affiliation: Website: http://www.laet.org

Agency Name: LIFE OF VICTORY IINTERATIONAL CHRISTIAN MINISTRIES Phone: 615-213-1468 Toll Free: Fax: Email: lifeofvictory@aol.con Address: 253A Old Nashville Highway La - Vergne, Tennessee 37086 Counseling Services: - Home Equity Conversion Mortgage Counseling - Marketing and Outreach Initiatives - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling - Renters Assistance Languages: - English Only Affiliation: HOMEFREE - U S A Website: lifeofvictory@aol.con

Agency Name: CCCS OF GREATER ATLANTA - MARYVILLE BRANCH Phone: 800-251-2227 Toll Free: 800-251-2227 Fax: 404-260-3340 Email: info@cccsinc.org Address: 523 Lamar Alexander Ave Suites 1, 8 & 9 Maryville, Tennessee 37801 Counseling Services: - Home Equity Conversion Mortgage Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Prepurchase Counseling - Renters Assistance Languages: - Spanish Affiliation: CCCS OF GREATER ATLANTA - MAIN OFFICE Website: http://www.cccsinc.org

Agency Name: BINGHAMPTON DEVELOPMENT CORPORATION Phone: 901-826-6195 Toll Free: Fax: 901-339-7464 Email: ruth@bdcmemphis.org Address: 3000 Walnut Grove Road Memphis, Tennessee 38111 Counseling Services: - Home Equity Conversion Mortgage Counseling - Homebuyer Education Programs - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling - Renters Assistance Languages: - English Affiliation: Website: www.bdcmemphis.org

Agency Name: CD COUNCIL Phone: 901-725-3125 Toll Free: Fax: 901-729-2933 Email: beverly@memphiscommunitydevelopment.com Address: 1548 Poplar Avenue Memphis, Tennessee 38104 Counseling Services: - Home Equity Conversion Mortgage Counseling - Marketing and Outreach Initiatives - Postpurchase Counseling - Predatory Lending - Renters Assistance Languages: - English Only Affiliation: STRUCTURED EMPLOYMENT ECONOMIC DEVELOPMENT CO Website: http://www.memphiscommunitydevelopment.com

Agency Name: CLEARPOINT FINANCIAL SOLUTIONS, INC. Phone: 877-877-1995 Toll Free: 877-877-1995 Fax: Email: customerservice2@clearpointfs.org Address: 5050 Poplar Ave., Suite1101 White Station Towers Memphis, Tennessee 38157 Counseling Services: - Loss Mitigation - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Prepurchase Counseling Languages: - English Affiliation: CLEARPOINT FINANCIAL SOLUTIONS, INC. Website: www.clearpointcreditcounselingsolutions.org

Agency Name: FAMILY SERVICE AGENCY - CCCS Phone: 901-323-4909 Toll Free: 800-255-2227 Fax: 501-812-4309 Email: Address: 2400 Popular Avenue Suite 445 Memphis, Tennessee 38112 Counseling Services: - Home Equity Conversion Mortgage Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling Languages: - English Only Affiliation: FAMILY SERVICE AGENCY - CCCS Website:

Agency Name: FINANCIAL COUNSELORS OF AMERICA Phone: 901-722-5000 Toll Free: Fax: 901-405-9000 Email: Jason@financialcounselors.org Address: 3294 Poplar Ave. Suite 304 Memphis, Tennessee 38111 Counseling Services: - Fair Housing Assistance - Homebuyer Education Programs - Marketing and Outreach Initiatives - Mobility and Relocation Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling Languages: - English - Others - Spanish - Vietnamese Affiliation: Website: http://www.financialcounselors.org

Agency Name: FRAYSER COMMUNITY DEVELOPMENT CORPORATION Phone: 901-354-7178 Toll Free: Fax: 901-354-9405 Email: cj_fraysercorp@bellsouth.net Address: 3684 N. Watkins Memphis, Tennessee 38127 Counseling Services: - Homebuyer Education Programs - Loss Mitigation - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling - Renters Assistance Languages: - English - Spanish Affiliation: Website: http://www.fraysercdc.org

Agency Name: MEMPHIS AREA LEGAL SERVICES, INC. Phone: 901-432-4663 Toll Free: 000-000-0000 Fax: 901-529-8706 Email: sraj@malsi.org Address: 109 North Main Second Floor Memphis, Tennessee 38103 Counseling Services: - Fair Housing Assistance - Loss Mitigation - Marketing and Outreach Initiatives - Mobility and Relocation Counseling - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance - Services for Homeless Languages: - Hindi - Spanish Affiliation: Website: http://www.malsi.org

Agency Name: MEMPHIS CONSUMER CREDIT EDUCATION ASSOCIATION Phone: 901-321-6711 Toll Free: Fax: 901-321-6789 Email: abramlitt@mccea.net Address: 1661 Aaron Brenner Memphis, Tennessee 38120 Counseling Services: - Homebuyer Education Programs - Prepurchase Counseling Languages: - English Affiliation: Website: www.mccea.net

Agency Name: MEMPHIS HOUSING RESOURCE CENTER Phone: 901-529-1151 Toll Free: Fax: 901-529-8011 Email: mehousingc@aol.com Address: 2400 Poplar Avenue Suite 220 Memphis, Tennessee 38112 Counseling Services: - Homebuyer Education Programs - Loss Mitigation - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling Languages: - English Only Affiliation: STRUCTURED EMPLOYMENT ECONOMIC DEVELOPMENT CO Website: http://www.mhrc.info

Agency Name: NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) MEMPHIS, TN Phone: 901-348-0115 Toll Free: 888-297-5568 Fax: Email: rhenderson@naca.com Address: Directors Plaza II / Building B 3035 Directors Row, Suite 1201-2 Memphis, Tennessee 38131 Counseling Services: - Fair Housing Assistance - Homebuyer Education Programs - Loss Mitigation - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling Languages: - English Affiliation: NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) Website: http://www.naca.com

Agency Name: NEIGHBORHOOD HOUSING OPPORTUNITIES Phone: 901-729-2934 Toll Free: Fax: 901-729-2933 Email: yvonne@mlfonline.org Address: 1548 Poplar Avenue Memphis, Tennessee 38104 Counseling Services: - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance - Services for Homeless Languages: - English Affiliation: Website:

Agency Name: NID-HCA TATE Phone: 901-507-1638 Toll Free: Fax: 901-458-9325 Email: nidmemphis@aol.com Address: 3115 Park Avenue Memphis, Tennessee 38111 Counseling Services: - Fair Housing Assistance - Home Equity Conversion Mortgage Counseling - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Mobility and Relocation Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance - Services for Homeless Languages: - English Only Affiliation: NATIONAL ASSOCIATION OF REAL ESTATE BROKERS-INVESTMENT DIVISION, INC Website: http://www.nidonline.org

Agency Name: ORANGE MOUND COMMUNITY DEVELOPMENT CORP. Phone: 901-327-4205 Toll Free: Fax: 901-324-6245 Email: mesaine@yahoo.com Address: 2395 Park Avenue Memphis, Tennessee 38114 Counseling Services: - Fair Housing Assistance - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Marketing and Outreach Initiatives - Mobility and Relocation Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Prepurchase Counseling - Renters Assistance Languages: - English Only Affiliation: STRUCTURED EMPLOYMENT ECONOMIC DEVELOPMENT CO Website:

Agency Name: SOUTHEAST MEMPHIS CDC Phone: 901-273-2870 Toll Free: Fax: 901-273-2871 Email: mhudson0212@yahoo.com Address: 3150 Lenox Park Blvd Suite 420 Memphis, Tennessee 38115 Counseling Services: - Homebuyer Education Programs - Mortgage Delinquency and Default Resolution Counseling - Predatory Lending - Prepurchase Counseling Languages: - English Only Affiliation: STRUCTURED EMPLOYMENT ECONOMIC DEVELOPMENT CO Website: http://www.southeastmemphis.org

Agency Name: THE WORKS, INCORPORATED Phone: 901-946-9675 Toll Free: Fax: 901-946-6749 Email: curtis.thomas@theworkscdc.org Address: 1471 Genesis Circle Memphis, Tennessee 38106 Counseling Services: - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling Languages: - English Affiliation: Website: http://theworkscdc.org

Agency Name: UNITED HOUSING, INC. Phone: 901-272-1122 Toll Free: Fax: 901-272-1181 Email: tbolding@uhinc.org Address: 51 N. Cooper Street Memphis, Tennessee 38104 Counseling Services: - Fair Housing Assistance - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance Languages: - Spanish Affiliation: NEIGHBORHOOD REINVESTMENT CORPORATION Website: http://www.uhinc.org

Agency Name: CCCS OF THE MIDWEST Phone: 800-355-2227 Toll Free: 800-355-2227 Fax: 614-552-2222 Email: info@cccservices.com Address: 201 East Main St, Ste 100 Murfreesboro, Tennessee 37130 Counseling Services: - Home Equity Conversion Mortgage Counseling - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling Languages: - English Only Affiliation: CCCS OF THE MIDWEST Website: http://www.cccservices.com

Agency Name: AFFORDABLE HOUSING RESOURCES OF NASHVILLE, INC Phone: 615-251-0025-234 Toll Free: 877-559-3377 Fax: 615-251-0143 Email: bholland@ahrhousing.org Address: 1011 Cherry Ave Nashville, Tennessee 37203 Counseling Services: - Fair Housing Assistance - Home Equity Conversion Mortgage Counseling - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling Languages: - Spanish Affiliation: NEIGHBORHOOD REINVESTMENT CORPORATION Website: http://www.ahrhousing.org

Agency Name: CCCS OF THE MIDWEST Phone: 800-355-2227 Toll Free: 800-355-2227 Fax: 614-552-4800 Email: info@cccservices.com Address: 1101 Kermit Drive Suite 204 Nashville, Tennessee 37130 Counseling Services: - Home Equity Conversion Mortgage Counseling - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling Languages: - English Only Affiliation: CCCS OF THE MIDWEST Website: http://www.cccservices.com/home.asp

Agency Name: CCCS OF THE MIDWEST Phone: 800-355-2227 Toll Free: 800-355-2227 Fax: 614-552-4800 Email: info@cccservices.com Address: 4525 Harding Rd Suite 211 Nashville, Tennessee 37205 Counseling Services: - Home Equity Conversion Mortgage Counseling - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling Languages: - English Only Affiliation: CCCS OF THE MIDWEST Website: http://www.cccservices.com

Agency Name: CITIZENS FOR AFFORDABLE HOUSING INC Phone: 615-361-9101 Toll Free: Fax: 615-361-9104 Email: cfahi@bellsouth.net Address: 295 Plus Park Blvd., Suite 105 Terrace I Nashville, Tennessee 37217 Counseling Services: - Homebuyer Education Programs - Loss Mitigation - Mortgage Delinquency and Default Resolution Counseling - Prepurchase Counseling - Renters Assistance Languages: - Spanish Affiliation: Website: http://www.cfahi.com

Agency Name: CONEXION AMERICAS Phone: 615-320-5152-22 Toll Free: Fax: 615-320-9845 Email: tara@conamericas.com Address: 800 18th Avenue South, Suite A Nashville, Tennessee 37203 Counseling Services: - Fair Housing Assistance - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance Languages: - English - Spanish Affiliation: NATIONAL COUNCIL OF LA RAZA Website: www.conamericas.org

Agency Name: NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) NASHVILLE, TN Phone: 615-783-1696 Toll Free: 888-297-5568 Fax: Email: monicawilson@naca.com Address: 3200 West End Ave. Suite 500 Nashville, Tennessee 37203 Counseling Services: - Fair Housing Assistance - Homebuyer Education Programs - Loss Mitigation - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling Languages: - English Affiliation: NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) Website: http://www.naca.com

Agency Name: RESIDENTIAL RESOURCES, INC. Phone: 615-650-9779 Toll Free: Fax: 615-650-1253 Email: RRIHOME@aol.com Address: 604 Gallatin Road Suite 103 Nashville, Tennessee 37206-5954 Counseling Services: - Fair Housing Assistance - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Mobility and Relocation Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance - Services for Homeless Languages: - English - Spanish Affiliation: Website: www.residentialresourcesinc.com

Agency Name: WOODBINE COMMUNITY ORGANIZATION Phone: 615-850-3454 Toll Free: Fax: 615-833-9727 Email: Rodwilliams47@yahoo.com Address: 222 Oriel Ave. Nashville, Tennessee 37210 Counseling Services: - Home Equity Conversion Mortgage Counseling - Homebuyer Education Programs - Loss Mitigation - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance Languages: - Spanish Affiliation: Website: http://www.woodbinecommunity.org

Agency Name: CCCS OF GREATER ATLANTA - OAK RIDGE (SATELLITE) Phone: 866-255-2227 Toll Free: 866-255-2227 Fax: Email: info@cccsinc.org Address: 221 Rutgers Avenue Oak Ridge, Tennessee 37830 Counseling Services: - Home Equity Conversion Mortgage Counseling - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Prepurchase Counseling - Renters Assistance Languages: - English Only Affiliation: CCCS OF GREATER ATLANTA - MAIN OFFICE Website: http://www.cccsinc.org

Agency Name: LEGAL AID OF SOCIETY OF MIDDLE TENNESSEE AND THE CUMBERLANDS. INC. Phone: 865-483-8454-214 Toll Free: 800-483-8457 Fax: 865-483-8905 Email: nmcbride@las.org Address: 226 Broadway Avenue P.O. Box 5209 Oak Ridge, Tennessee 37831 Counseling Services: - Home Equity Conversion Mortgage Counseling - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance Languages: - Spanish Affiliation: WEST TENNESSEE LEGAL SERVICES, INCORPORATED Website:

Agency Name: LEGAL AID SOCIETY OF MIDDLE TENNESSEE AND THE CUMBERLANDS (DUPLICATE) Phone: 865-483-8454 Toll Free: 800-483-8457 Fax: 865-483-8905 Email: vhansen@lglaid.org Address: Jackson Square, 226 Broadway PO Box 5209 Oak Ridge, Tennessee 37831-0000 Counseling Services: - Homebuyer Education Programs - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance - Services for Homeless Languages: - English Only Affiliation: WEST TENNESSEE LEGAL SERVICES, INCORPORATED Website:

Agency Name: CLINCH-POWELL RESOURCE CONSERVATION AND DEVELOPMENT COUNCIL, INC Phone: 865-828-5927 Toll Free: 800-814-6355 Fax: 865-828-5212 Email: chris@clinchpowell.org Address: 7995 Rutledge Pike P. O. Box 379 Rutledge, Tennessee 37861 Counseling Services: - Fair Housing Assistance - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling Languages: - English Affiliation: Website: http://www.clinchpowell.net

Agency Name: DOMINION FINANCIAL MANGEMENT Phone: 615-220-5858 Toll Free: Fax: 615-220-8828 Email: regina@dominionfinancial.org Address: 660 Fitzhugh Blvd, Suite 108 PO Box 1512 Smyrna, TN 37167 Smyrna, Tennessee 37167 Counseling Services: - Fair Housing Assistance - Home Improvement and Rehabilitation Counseling - Homebuyer Education Programs - Loss Mitigation - Marketing and Outreach Initiatives - Money Debt Management - Mortgage Delinquency and Default Resolution Counseling - Postpurchase Counseling - Predatory Lending - Prepurchase Counseling - Renters Assistance Languages: - English - Spanish Affiliation: STRUCTURED EMPLOYMENT ECONOMIC DEVELOPMENT CO Website: http://www.dominionfinancial.org

Some SHORT SALE advice by Nina Kestner McIver

I have spent a lot of time this year counseling my investors on short sales, what it means, and the process involved. Therefore, I felt it beneficial to share this information with everyone in my data base.

First, the biggest piece of advice I can give you is DO NOT WAIT!!! Please don’t wait until you are two or three months behind on your payments. Don’t even wait until you are one month behind. You know how much you have in reserves. Therefore, if you don’t have enough to cover the mortgage payment if the tenant moves out, or enough to make needed repairs/tenant turn over expenses, then you’re in trouble and you need to act now.

The first step is to contact your real estate agent (if your property is in the Nashville area – CALL ME) to determine the marketability of your property. You need to know how long to expect the sale to take, and how much you can expect to net after the sale. If the net is a negative figure and you do not have those funds to bring to the table, you’re looking at a short sale.

Second, contact your lender and/or lenders to see if they have any options available to you. Some lenders are more consumer friendly than others – you won’t know until you contact them. There are several options that may be available to you: forbearance, loan modification, etc. There are several “foreclosure alternatives” available to home owners that may also be available to you if you are an investor – ask your lender.

A FREE opportunity is to contact HUD. They have FREE counselors available to discuss your situation and help you determine the best route for you. You can reach the website by clicking here.

If no work out options are available to you, then you may be able to do a “short sale”. A short sale means that the current market value of your property is less than the amount you owe on the mortgage. The sale of the property is contingent upon your lender’s approval and depending on the lender, a short sale can be a time consuming ordeal – yet another reason not to wait. Once you stop making payments, the foreclosure clock starts ticking. Once the property officially goes into foreclosure, we may still have time to try to sell it, but the closer it gets to auction, the less likely they are to cancel the auction. Also, when the property goes into foreclosure, attorney fees are added to the payoff amount which in turn reduces the net amount the bank gets. So, again, we need as much time as possible to sell the property.

Each lender has different qualifications for a short sale; however, the basics are the same.

You must be able to prove:

1. The property is worth less than you owe.

2. You have a hardship that makes it impossible or extremely impractical for you to keep the property. Perhaps you lost your job, perhaps you incurred large medical expenses, perhaps you have over-extended yourself on several properties and simply have no money. If you have funds available to either continue making the mortgage payments or make up the difference between what you owe and what the property sells for, you will not qualify for a short sale.

3. You must also provide the lender with a copy of typically your last two bank statements, your last two tax returns, your last two months pay stubs, etc.

I have yet to work with any lenders that approve a short sale up front. Therefore, we start by having you sign a Third Party Authorization document which allows the lender to discuss your loan with your real estate agent. The lender will NOT talk to anybody about options, loan balance, etc., without the Third Party Authorization. We inform the lender that we are placing the property on the market for sale and that it will probably be a short sale situation. Most lenders prefer that we list the property at market value first as they will want the agent to show that they at least tried to sell the property for as much as possible. If we don’t get any action, we drop the price until we get an offer. The offer is sent to you as the owner of the property for your signature and the offer is always contingent upon the lender’s approval. Upon your acceptance of the offer, we send the lender the contract, a market report, the listing agreement, and your hardship package. Many lenders will respond within 2 weeks, others may be longer. The lender may accept the offer as presented, or counter offer.

Another issue to remember is that under new laws, if a tenant is in place, the buyer of the property also purchases the lease agreement. That’s great for a multi-family property, but can be detrimental to a single family home. If your tenant’s lease does not expire for 9 months, that means your only option is to sell to an investor. However, as you may know, investors are having to put 25% or more down on a property and are only purchasing properties with large cash flow and returns. This equates to a LOW offer which h may be rejected by the lender. It’s very difficult to get the lender to understand this situation. Without a tenant, the property would sell to an owner occupant for a much higher amount and that’s the amount of the “value” that an appraiser will place on the property and in return the sales price the lender will be expecting. So, if you have a property that is in trouble, think seriously before renewing the tenant’s lease. You might instruct your property manager to only renew the lease on a month-to-month basis. This will allow you to receive rental income while trying to sell the property and at the same time eliminate the issue with only marketing to investors.

I hope this is information that will be of benefit to you!! If you have a property in the Greater Nashville area, I’m happy to discuss it’s circumstances and prepare a free market analysis for your review.

NINA KESTNER McIVER

CPM, ABR, CRS, GRI, Licensed Broker

The Kestner Team

Your real estate consultants - every step of the way

Coldwell Banker Barnes, Franklin, TN

615-465-3700 office

615-289-1340 cell

615-465-3744 fax

www.TheKestnerTeam.com

** Real Estate is an "IDEAL" investment: Income, Deductions, Equity, Appreciation, Leverage

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A recently released Harris Interactive poll asked American where they would choose to live if the did not live in the state where they are now.  2,498 U.S. adults were surveyed online between August 10th and 18th, and TENNESSEE made the top 10!

1. California
2. Florida
3. Hawaii
4. Texas
5. Colorado
6. Arizona
7. North Carolina
8. Washington State
9. TENNESSEE
10. Oregon

A recently released Harris Interactive poll asked Americans where they would choose to live if they did not live in the state where they are now. 2,498 U.S. adults were surveyed online between August 10 and 18, 2009, and Tennessee made the top 10!

1. California
2. Florida
3. Hawaii
4. Texas
5. Colorado
6. Arizona
7. North Carolina
8. Washington state
9. TENNESSEE
10. Oregon

Of course, we already knew that it's great to be in Tennessee!

[SOURCE: Business Wire]