Are seller-paid commissions affecting your closing costs? Not at all! Tune in to Benchmark Happenings for an eye-opening conversation with Jonathan Tipton and Steve Reed from Benchmark Home Loans. They unravel the complexities of the National Association of Realtors Settlement and clarify its impact on real estate transactions. Discover the recent changes in VA loan regulations that now allow buyers to pay commissions, and why it's crucial to negotiate these commissions into the purchase price rather than adding them to the loan amount. You'll gain invaluable insights on how to ensure smooth transactions and proper compensation for agents by working closely with loan officers.

We also dive deep into the importance of a buyer's representation agreement for loan processing and approval, especially for VA loans, with a look toward its future application to other loan types. Learn why early communication between agents, lenders, and buyers is pivotal to preventing discrepancies and avoiding delays. With a special focus on customer service, Jonathan and Steve advocate for a concierge approach—ensuring constant communication and availability to create a seamless experience for all involved. Don't miss out on these essential tips for ensuring accurate loan estimates and achieving a hassle-free closing process.

To help you to navigate the home buying and mortgage process, Jonathan & Steve are currently licensed in Tennessee, Florida, Georgia, South Carolina, and Virginia, contact us today at 423-491-5405 or visit www.jonathanandsteve.com.

To help you to navigate the home buying and mortgage process, Jonathan & Steve are currently licensed in Tennessee, Florida, Georgia, South Carolina, and Virginia, contact us today at 423-491-5405 or visit www.jonathanandsteve.com.

To help you to navigate the home buying and mortgage process, Jonathan & Steve are currently licensed in Tennessee, Florida, Georgia, South Carolina, and Virginia, contact us today at 423-491-5405 or visit www.jonathanandsteve.com.

To help you to navigate the home buying and mortgage process, Jonathan & Steve are currently licensed in Tennessee, Florida, Georgia, South Carolina, and Virginia, contact us today at 423-491-5405 or visit www.jonathanandsteve.com.

Discover the incredible journey of Terry Kazmaier and Shanoa Pruitt as they share their entrepreneurial story in the beauty industry. From launching Sugar Mama amidst the economic downturn of 2008 to forming a transformative partnership in 2014, their narrative is a testament to resilience and innovation. Terry's need for beauty services beyond standard hours sparked the creation of Sugar Mama, and Shanoa's entry brought new momentum. Together, they navigate the challenges of business ownership, emphasizing the power of strong partnerships and their commitment to empowering women in the industry.

We also dive into the intricacies of managing dynamic work relationships and fostering a healthy, respectful workplace. Drawing parallels between the beauty industry and nursing, we highlight the importance of genuine customer care and creating a welcoming atmosphere. Listen as we explore teamwork, personal growth, and aligning professional achievements with personal ambitions, using insights from Rob Campbell's book "It's Personal, Not Personnel." This episode is packed with valuable advice for anyone looking to thrive in the beauty industry and beyond.

To help you to navigate the home buying and mortgage process, Jonathan & Steve are currently licensed in Tennessee, Florida, Georgia, South Carolina, and Virginia, contact us today at 423-491-5405 or visit www.jonathanandsteve.com.

What if your child’s emotional challenges could be better managed with the right tools and support? Join us in this eye-opening episode where we speak with Cindy Ketron, a licensed counselor with 36 years of experience, to uncover the pressing issues surrounding children's mental health today. Cindy's extensive background in clinical social work, family mediation, theological seminary, and chaplaincy lends a wealth of insight as we explore the primary reasons children seek counseling, from ADHD to the overwhelming rise in depression and anxiety exacerbated by COVID-19.

Cindy takes us on a poignant journey through her career, sharing personal stories and professional insights that highlight the complex emotional struggles children face, especially during parental divorce. She provides invaluable advice on how parents can support their children through the turmoil, stressing the importance of allowing kids to love both parents without guilt. Through a heartfelt story about a boy navigating the emotional fallout of his parents' divorce, Cindy emphasizes the need for timely intervention and understanding behavioral signs like regression.

We conclude with a compelling discussion on the importance of counseling, not just as a remedy but as a means to equip children with the tools to express their emotions healthily. Cindy shares strategies to help children articulate their feelings, shedding light on how untreated emotions can lead to anger or depression. We also touch on societal issues, such as the high consumption of psychotropic drugs in America, and the crucial role parents play in actively pursuing their children's emotional well-being. This episode is a must-listen for anyone seeking to understand and support the mental health of children in today's challenging environment.

To help you to navigate the home buying and mortgage process, Jonathan & Steve are currently licensed in Tennessee, Florida, Georgia, South Carolina, and Virginia, contact us today at 423-491-5405 or visit www.jonathanandsteve.com.

Embarking on the journey of first-time home ownership can feel like navigating a maze without a map. But fear not, as our latest episode brings you the compelling story of Aiden and Lauren Moore, who, with the aid of Benchmark Home Loans, transformed their high school romance and pirate-themed pickup lines into a partnership for life. Celebrating four years of marriage and the impending arrival of their baby boy, the Moores offer up a treasure trove of insights on how they conquered the high seas of the housing market. From disciplined saving to facing a daunting rent hike, their tale is brimming with practical advice for anyone looking to anchor down and call a place their own.

Imagine a world where every financial decision is a stepping stone towards a dream. That's the reality Aiden and Lauren crafted through years of deliberate saving and financial education. Their narrative, featured in our latest episode, underscores the significance of building trust with professionals who can illuminate the path to homeownership. Listen to how the Moores, with support from trusted advisors like Steve, navigated the complexities from pre-approval to closing, transforming fears and uncertainties into a triumph of informed decision-making. Their story not only educates but also inspires, proving that the right preparation and connections can make all the difference.

Lastly, we zoom in on the personal growth and financial independence that blossom from owning a home. Lauren reflects on the joys of personalizing their space without constraints, an emblem of the freedom they've achieved. The couple's journey from modest beginnings to intentional living, while avoiding the pitfalls of lifestyle creep, is a lesson in gratitude and the importance of open communication about finances. Their experience is a beacon for young couples and individuals alike, demonstrating the profound impact of facing struggles head-on and learning from life's challenges. Tune in to witness how the Moores' wisdom can light the way for your own journey toward building wealth through homeownership.

To help you to navigate the home buying and mortgage process, Jonathan & Steve are currently licensed in Tennessee, Florida, Georgia, South Carolina, and Virginia, contact us today at 423-491-5405 or visit www.jonathanandsteve.com.

When the uniform comes off and the echoes of a disciplined military life fade into the background, what's left? For Rob Campbell, it's a wealth of leadership prowess and a true passion for guiding others. We're honored to have Rob, a 27-year military vet turned author, coach, and entrepreneur, join us to unpack his exceptional journey from the basketball courts of college to the esteemed ranks of the 101st Airborne Division. His engaging conversation not only highlights the valuable lessons he's carried from his service into civilian life, but also the rich tapestry of experiences that led to his books, including "It's Personal, Not Personnel," aimed at helping veterans transition smoothly into their next chapters.

Embarking on a new venture can be daunting, but Rob's leap into entrepreneurship with All About Blinds is a testament to the adaptability and growth that comes from embracing change. This episode peels back the curtain on how military principles can be brilliantly translated into business strategies, a topic Rob elaborates on in his forthcoming book. He and his wife Leslie's community involvement, with her artistic talents blooming through Raven Artwork, further illustrates how personal and professional worlds can harmoniously intertwine. Join us for an immersive discussion that promises to leave you equipped with insights on transformation, purpose, and the art of leadership in every aspect of life.

To help you to navigate the home buying and mortgage process, Jonathan & Steve are currently licensed in Tennessee, Florida, Georgia, South Carolina, and Virginia, contact us today at 423-491-5405 or visit www.jonathanandsteve.com.