IT'S A GREAT MARKET OUT THERE!  THIS IS THE TIME THAT BUYERS SHOULD BE BUYING.  THERE ARE DEALS TO BE MADE AND PLENTY OF OPTIONS TO BE HAS WHEN IT COME TO FINDING THE RIGHT LOAN FOR YOU.  LET'S WORK TOGETHER TO FIND OUT NOT JUST ABOUT THE RIGHT LOAN FOR YOU, BUT YOUR WHOLE FINANCIAL PICTURE AS WELL.  I LOVE THIS INDUSTRY!  NEVER A DULL MOMENT!  I PRIDE MYSELF ON HONESTY.  I'M NOT IN IT FOR THE MONEY...I'M IN IT TO PUT A SMILE ON PEOPLE'S FACES.  THAT'S MY GRATIFICATION.  FIRST HORIZON IS "ALL THINGS FINANCIAL".  WE HAVE CHECKING AND SAVINGS, WEALTH MANAGEMENT, RETIREMENT, ETC.  WE'VE BEEN AROUND SINCE 1864.  WE HAVE LOCALIZED PROCESSING AND UNDERWRITING RIGHT HERE IN OUR OFFICE.  WE SERVICE OVER 95% OF OUR LOANS, WHICH MEANS, WHEN THE SETTLEMENT IS DONE, YOU STILL HAVE ME A YOUR RESOURCE.  I BELIEVE THAT OUR RELATIONSHIP DOES NOT END AT THE SETTLEMENT TABLE, IT ONLY BEGINS.  LET US HELP YOU WITH ALL OF YOUR FINANCIAL NEEDS!  CALL ME TODAY!