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Harriman, TN Mortgage Refinance in Tennessee
We make it easy to get the lowest mortgage refinance interest rate in Harriman, TN.
Our loan specialists can customize a loan that is perfect for your needs. In no time at all, Harriman, TN residents can be on the way to a lower interest rate, a lower monthly payment, or switching from an adjustable rate mortgage to a fixed rate mortgage.
When Should I Refinance?
The best time to refinance is when interest rates in Harriman, Tennessee drop below the rate of your current mortgage. With a lower interest rate, you'll save money on your mortgage payment every month. Be sure to read our article titled Reasons to Refinance Now.
Turn Your Adjustable Rate into a Fixed Rate
With adjustable rates on the rise Harriman, TN residents can benefit greatly from refinancing your home for a low fixed rate. These benefits include a lower monthly mortgage payment, and the security of knowing your mortgage payment won't increase.
Cash-Out Refinancing
Using the equity in your home, you can refinance your mortgage for a higher amount than your current principal balance and receive the extra funds as cash. You can use this money however you would like, including, remodeling your home, paying off high-interest rate credit cards, paying off student loans, or consolidating all your debt. How much cash out you can receive by refinancing depends largely upon the principal balance remaining on your mortgage and the amount of equity in your home.
Eliminate PMI
Private Mortgage Insurance is usually required if your downpayment on your home was less than 20 percent. If your home equity has increased since your purchase, you may have enough equity to elimate that PMI payment by refinancing your mortgage.
Save Thousands in Interest
When you refinance your home you can decide to switch your mortgage to a shorter term, such as 10, 15, or 20 years. Depending on how much lower the refinance rate is, you will likely pay more per month for this shorter term home loan. However, in the long-term you are saving thousands in interest. And because more of your monthly mortgage payment goes towards the principal, your home equity will increase much quicker.
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Refinance Articles
Reasons to Refinance Now
Beat the Subprime Mortgage Crisis
Return to mortgage refinance in the state of TN
| Harriman, Tennessee News |
Man Wanted For Raping Six-Year-Old Girl
Have you seen this man? Dayton Police are searching for him, for allegedly raping a 6-year-old girl. His name is Jorge Velasquez Ventura, age 36. He is 5 feet 1 inch tall and weighs 135 pounds. A warrant has been issued for Ventura's arrest for rape of a child, a Class A felony. Anyone with any information on Ventura's whereabouts should contact the Dayton Police Department at 775-8403.
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County Talks Property Tax Math Over More Jail Staff
Sheriff Stockton's liaison committee got a quick lesson in property-tax math Tuesday night: "Keep this in mind," Roane County Executive Mike Farmer said. "Every new hire over at the jail is a half penny on the property tax rate. Get one, half a penny. Get two, full penny." Officials don't appear to know yet exactly how many additional employees will be needed to run the new jail. One thing seems certain, though. It will take more than the 20 currently on staff. The new positions may have to be funded with a property tax increase. "We're all working to a certain number that will justify our officer safety and will be acceptable to the public, where we have to raise taxes to cover it," said Commissioner David Currier, chairman of the liaison committee. After hearing last month that the sheriff's office could need an additional 20 to 25 employees to operate the new jail, the committee scheduled a meeting with the jail builders and the County Technical Assistance Service. The county's current facility, which is supposed to house 57 inmates, is overcrowded and under decertification status by the TCI. The new 172-bed jail is scheduled to open sometime next year. Jim Hart of CTAS said he did an analysis earlier this year and concluded the sheriff's office would need an additional 23 employees to operate the new jail. That figure was rebuked by Farmer. "We, as a county, cannot afford that," he said.
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New TVA Scrubber Will Mean Cleaner Air
Technology that will reduce air pollution across East Tennessee is scheduled to start working at the Kingston Fossil Plant about a year from now. "We're on schedule to be on line in early to mid-November '09; we'll actually be scrubbing flue gas," said Robert Rehberg, an official with the Kingston plant. The result will be that the emissions seen leaving the new shorter stack will be more visible - a big, white steam cloud - but that cloud will be cleaner. "We're going to be removing 95 to 98 percent of the sulfur dioxide from the flue gas," Rehberg said. The scrubber also is supposed to remove much of the mercury from the emissions. "We want to make it clear we're spending $500 million to clean up the environment. It is not a bad thing, but it is clearly a visible thing," TVA spokeswoman Barbara Martocci said.
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Man Indicted For Rockwood Crime Spree, Thanks To Evidence He Produced
By Jamie Satterfield, News Sentinel Never post a photograph of yourself on MySpace brandishing a gun you will days later use to shoot someone. Richard Eugene Davidson allegedly did just that, giving ATF Agent Jackie Herndon a literal portrait of proof against him. Davidson, 28, was arraigned Tuesday before U.S. Magistrate Judge Clifford Shirley on a nine-count indictment that details a months-long crime spree in Rockwood that included a shooting, an attempted shotgun blast to the face and an assault by automobile. An affidavit alleges that Davidson had been under probe by the Rockwood Police Department and Tennessee Bureau of Investigation for dealing crack and powder cocaine since at least March. The ATF was drawn into the probe when Davidson allegedly shot accused drug dealer Jerry Wayne Randall in April at a house in Rockwood. A gun believed linked to the shooting was found in the nearby home of Davidson's uncle. It had been disassembled, wrapped in a jacket and hidden in a washing machine. The photograph remains posted on Davidson's MySpace page. His alleged crimes include trying to shoot a woman in the face with a shotgun and then striking her with his car.
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Man Arrested for Bringing Guns & Ammo on Tenn. Technology Center Campus
Harriman police arrested a male student Wednesday for carrying a weapon on the campus of Tennessee Technology Center. Jacob Jones is the suspect. He's been expelled from the school. Police were called to the campus around 10:35 a.m. Wednesday. They say a student heard Jones make threats and told an assistant dean who called police. Officers found a SKS assault rifle in the tool box of Jones' truck, along with about 100 rounds of ammunition, brass knuckles, a knife and a type of nunchuck
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Harriman Students Bear Their Colors Well
A unique student activity is part of Bowers Elementary School in Harriman. Third-, fourth- and fifth-grade students make up a color guard. "I guess this is the fourth year," said Jerry Steele, a veteran who is in charge of teaching the drill team.One reason Steele teaches the selected students in the program is to instill a sense of patriotism. "I don't think the kids get enough patriotism at home or at school as they should have," he said. Steele said he first went to the school to teach students about flag handling and was asked to do something for Veterans Day. The first program the color guard did had the students in white T-shirts, jeans and flag bandanas. Now they wear military-style uniforms. They have participated in a number of events around the community, including football and basketball games, kickoff for Relay for Life and the graduation program at Roane State Community College.
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Illegal Meter Found On HUB Official's Land
Authorities are investigating after an illegal meter was found hooked up on property belonging to a Harriman Utility Board supervisor. The meter was on a remote piece of property on Riggs Chapel Road owned by Frankie Davis, HUB's gas, water and sewer supervisor. District Attorney Russell Johnson said he has looked into the incident at the request of Roane County Sheriff Jack Stockton. In a news release, Johnson said the investigation was brought on by an anonymous letter to the utility that alleges that Davis, the brother of previous Harriman mayor Jerry Davis, was receiving power illegally at the site. Johnson said investigators found the meter on property, behind a gate locked with a HUB lock. Davis had told him he had once lived at the property in the early years of his marriage, Johnson said. The meter was "locked and sealed, was my understanding from talking to Chuck Flora," Johnson said of the meter. Flora is the general manager of HUB.
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Rocky Houston Murder Trial Delayed, New Jury Pool to Report Dec 1st
The trial of a Roane County man accused along with his brother in the fatal shooting of a lawman and his ride-along was delayed today. Special Judge James "Buddy" Scott said potential jurors in the trial of Rocky Joe Houston will be summoned to report for the initial phases of jury selection on Dec. 1. The announcement came after defense attorney Randy Rogers and special prosecutor Kenneth Irvine Jr. agreed the current jury pool may not have passed legal muster. Rogers earlier had challenged a jury pool that consisted entirely of Roane Countians over the age of 40 and only a small percentage who lived in the rural regions of the county. Circuit Court Clerk Angela Randolph denied intentionally manipulating the list, saying she merely plugged numbers into a program that culled a database of driver's license holders for potential jurors. Houston is accused along with brother Clifford Leon Houston in the May 2006 shooting death of Roane County Sheriff's Department Deputy William Birl Jones and his ridea-long, Gerald Michael Brown, a former lawman.
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Harriman student charged for weapons on campus
A student in Harriman has been charged with carrying a weapon on campus. Jacob Jones, 19, was arrested at the Tennessee Technology Center in Harriman.
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Former Roane Judge Thomas Austin Moved To Knoxville Halfway House
Former Roane County judge Thomas Alva Austin has been released from federal prison. He's now assigned to the Midway Rehabilitation Center, a halfway house in Knoxville. According to the Federal Bureau of Prisons, Austin was transferred to the halfway house on Oct. 15. His projected release date is April 13, 2009. U.S. District Court Judge Thomas Phillips had originally sentenced Austin to 42 months in federal prison, The government asserted that he used his position as General Sessions Court judge to engage in unlawful activity. Austin, after spending nearly three decades on the bench, was indicted by a federal grand jury in January 2006 on seven counts of extortion and one count of money laundering. He later worked out a deal with federal authorities and pled guilty to three counts of extortion.
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Dedication set for monument
Veterans Day observances in Anderson and Roane counties include the dedication of a new monument Tuesday in Harriman.
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Rocky Houston Jury Selection Delayed Over Potential Jurors' Ages
A special judge this afternoon sent potential jurors in the Rocky Joe Houston case home until Friday because of a dispute over their ages. Judge James "Buddy" Scott has set a Thursday hearing to decide if Houston is being denied the right to be tried by a jury culled from a cross-section of the community. Defense attorney Randy Rogers' chief beef with the list of 192 potential jurors who showed up today is that none are under age 40. In fact, he noted, no one on the initial list of 600 jurors in Roane County Circuit Court was under 40. He wants time to get expert testimony on the differences in attitudes and beliefs between people on either side of that age 40 dividing line. Special prosecutor Kenneth Irvine Jr. contends age is not a distinctive dividing line that would bar Houston from getting a fair trial. But he also sought time to beef up his argument. Rogers blamed Circuit Court Clerk Angela Randolph and sent her to the witness stand this morning to explain how she chose those on the list of 600. Randolph insisted the process was random and the list was culled from a database of driver's license holders. "Just the numbers is all I put into the system," she said. "I really don't know how the program works," Randolph responded. "I don't know where it starts (in the database)." Randolph also conceded that half of the jurors summoned were incorrectly instructed to appear at 8:30 p.m. Rather than 8:30 a.m. Scott took a recess at mid-morning to tell those potential jurors who did show up today but are being kept out of the courtroom while Rogers quizzes Randolph that a motion is being heard and, therefore, delaying the start of jury selection. Houston, 49, is accused, along with brother Clifford Leon Houston, 47, in the May 11, 2006, shooting deaths of Roane County Sheriff's Department Deputy William Birl Jones, 53, and his ride-along pal Gerald Michael Brown, 44, when the pair showed up at Leon Houston's home in the Ten Mile community. Prosecutors contend the law enforcers were ambushed by the Houston brothers, who have been involved in a years-long war with Roane County authorities over allegations of corruption. The brothers contend the deputy and his ride-along opened fire on them as they sat on the front porch, and they fired back in self defense.
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Elderly Couple Die In Roane County Car Crash
A husband and wife died Saturday in a car crash. Altha Turlington, 84, was driving south on North Gateway Avenue around noon when she tried to turn left onto East Dunn Street, police Sgt. Kelly Pittman said. She turned her 2001 Chevrolet Impala into the path of a 2003 Humvee, and its driver, 36-year-old John Booth of Rockwood, couldn't stop in time, police said. The impact hurled Turlington and her husband, J.L., age unavailable, from the car, killing them, Pittman said. Neither wore a seat belt. Booth wore a seat belt and survived with injuries that didn't appear to be life-threatening, police said.
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Election 2008 Preliminary Results
The GOP picked up seats across the state, including the 12th Senatorial District, where Republican Ken Yager defeated Democrat Becky Ruppe. "I am humbled by the widespread support that I have received across the district," Yager said in a campaign statement. Democrats took Yager to task about his record on taxes and jobs, referring to him as the "Tax Man" and "Job Killer" in TV ads. But Yager was victorious in five of the district's six counties, winning 51.2 percent of the vote compared to 44.1 percent for Ruppe. Independent candidate Christopher Fenner received 4.7 percent of the vote. In Roane County, Yager received 11,329 votes compared to 10,123 votes for Ruppe. In Rockwood, it was a close vote for sales of packaged liquor and liquor by the drink. A referendum permitting retail package stores to sell alcoholic beverages was voted in. Voters in Rockwood cast 929 votes for the sales, with 731 against. Similar votes were recorded for liquor by the drink, which voters also approved. Those votes were 881 for and 747 against. Running unopposed in House District 32, Dennis Ferguson won another term. He received 18,920 votes. In Tennessee's 4th Congressional District, Republican Monty Lankford's partisan strategy was unsuccessful. Incumbent Democrat Lincoln Davis won in a landslide, capturing 58.8 percent of the vote compared to 37.8 percent for Lankford. Lankford based a large part of his campaign on Obama's unpopularity in Tennessee by trying to tie Davis to Obama. Republican Zach Wamp won big in the 3rd Congressional District, receiving 69.4 percent of the vote.
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Election 2008 preliminary results
Time 'of essence' in Pinnacle Pointe dispute A potential resolution of a quarter-million-dollar dispute between Harriman and the developers of Pinnacle Pointe shopping center is waiting on more information.
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Powers moving to TTC-Dickson
Rogers predicts difficulty in seating jury Publicity has been plentiful throughout the murder cases against brothers Rocky and Leon Houston.
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Ninth Judicial Watch: Man Gets 90 Days for Raping 14-Year-Old Step-Daughter
Just how serious is the statutory rape of a 14-year-old girl? Opinions will vary. Form your own, and I'll save mine for the blog. Ninth Judicial District Criminal Court Judge Eugene Eblen has sentenced a man to 90 days in jail, followed by supervised probation for the balance of two years, for the statutory rape of a 14-year-old girl who was his stepdaughter. For the victim, former stepfather Kevin M. Spurling remains a "monster" who continues to haunt her daily thoughts. As a result of the incidents, she went into a deep depression. "I would cut my arms or sides to let out some of my suppressed feelings of hurt," according to her statement. According to the Knoxville News-Sentinel one person has objected that this sentence is unjust! To Roane County Public Defender Walter Johnson, the judge's decision was too harsh and a likely subject of appeal. Mr. Johnson had requested judicial diversion for his client, which Judge Eblen denied. One more item: The victim's mother is apparently pleased with the sentence, saying she was surprised that Spurling got jail time. DAG Russell Johnson said state officials assured him Monday that Spurling is also a candidate for the state's sex-offender registry. Thus, I have no problem with posting his picture here.
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Grant revives Harriman center efforts
Harriman officials Monday said they've received a huge boost from the state in their efforts to renovate and revitalize a stately downtown icon.
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TSSAA 2008 Football Playoff Possibilities And Brackets
Class 1A Region 1 If Cosby wins and Hampton wins, Cosby is first, Hampton is second, Grace is third, and Cloudland is fourth.
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TSSAA Football Playoff Possibilities
If Cosby and Hampton both lose, Grace is first, Cosby is second, Cloudland is third, and Hampton is fourth.
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With Somerset's many FHA home loan programs, owning your dream home is more than just a dream.
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"Every other company said they could not help us. After speaking to about five companies, we really believed that no one could. Then we called Somerset, and your company proved us and those other companies wrong. We can't thank you enough for all your hard work and effort in getting us a low fixed rate. We can now breathe easier..." - L. Braun
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