Friday, June 25, 2021 / by Randy Durham
The Federal Housing Administration announced updates last week on modifications to its student loan monthly payment calculations to provide more access to single-family loans. Previously, FHA used 1% of your loan balance to calculate your monthly student loan obligation, without factoring in that many borrowers are on income-based repayment plans. The new FHA policy bases the monthly payment calculated into your debt to income ratio based on your actual payment. For example, if are on an income-based repayment plan and you owe $30,000 total but only pay $175 a month, FHA will use that number for your monthly payment, instead of 1% of $30,000 (or $300 a month).
This is great news for creditworthy individuals who don’t qualify for a conventional mortgage. This new adjustment also helps many more first-time homebuyers achieve homeownership. You can read more about the new policy on the Department of Housing & Urban Development her. ...
Thursday, June 17, 2021 / by Randy Durham
Anyone familiar with the history of Chattanooga knows that downtown was notorious for flooding. While this city was developing, the rocky bluffs by the Tennessee river provided high ground that protected wealthy residents from the flooding and disease outbreaks plaguing the town. Today, this area is known as Battery Place, adjacent to the popular Bluff View Art District, and scores high for anyone seeking a walkable neighborhood. The Tennessee Riverwalk runs through this area and connects pedestrians and cyclists to even more areas of Chattanooga. Many of the historic homes are nestled away from the tourists and local traffic, often offering a gorgeous waterfront view of the North Shore. Like the Southside, many big box stores will often require a short drive to neighboring areas of the city. Battery Place is conveniently located near Riverside Drive, which connects to Amnicola Highway that leads to Hixson for more amenities. If a large historic estate (often racking up . ...
Thursday, June 10, 2021 / by Randy Durham
Native Plants: Plants that thrive in the Southeast are the best choices that will attract the widest range of buyers when your property is listed. Keep the plant variety to a minimum. Many non-native plants can thrive in the Southeast as long as you know the plant’s hardiness zone.
Bee balm: This is a flowering perennial that is resistant to deer and rabbits. It attracts hummingbirds and is a popular herb for teas.
Woodland Phlox: This perennial is disease resistant, can grow in the shade, and has blue, purple, and white flowers in the spring.
Flowering Dogwood: This tree adds beautiful eye-catching foliage. White flowers begin in the spring, followed by red fruit clusters and leaves in the fall.
Clay Soil: In this area, rocky clay soil is common. Building raised garden beds for perennials that need loamy more aerated soil can be costly and time-consuming. If you want to plant it and leave it, consider plant choices that thrive in clay s; ...
Thursday, June 3, 2021 / by Randy Durham
Blue Orleans: This New Orleans-inspired restaurant is located on the Southside across from the Chattanooga Choo Choo. They also offer catering. The menu has several crawfish recipes, shrimp and grits, po boys, and several pasta options.
Check out their full menu here!
Plant Power Cafe & Juice Bar: This East Brainerd restaurant has an expansive vegan menu offering burgers, salads, and sandwiches. They also offer a kids’ menu, gluten-free options, and a dessert menu with cheesecakes, ice cream, brownies, and cookies. They also offer fruit smoothies in addition to cold-pressed juices.
Check out their menu here!
Champy’s: Their locally known fried chicken stems from a Mississippi Delta family recipe. The restaurant's made-to-order chicken has earned them a slew of accolades. They have a selection of salads, full plates with delicious sides, family-sized portions, and hot tamales.
Check out their menu here!! ...
Wednesday, May 19, 2021 / by Randy Durham
If you are new to the area and looking for pizza, Chattanooga has plenty of options. Aside from chain restaurants, the city also has a good selection of small businesses to support that offer fresh local ingredients and laid-back atmospheres.
Best Locally Owned
This pizzeria was the first in the city to serve hand-tossed pizza. They have a partnership with the Flying Turtle Farm to ensure local meat and vegetables. Another convenient option is a take and bake pizza to enjoy at home. They have a take and bake option for you to enjoy at home. Aside from Downtown, they have locations in Hixson, East Brainerd, Cleveland, and Ooltewah.
Click here to check out the menu.
This St. Elmo spot has been popular with locals and tourists for years. This place can get busy on the weekends, so plan accordingly. They make their own sauces and doughs from scratch and have a selection of fresh toppings, specialty pies, wings, and sa ...