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Benchmark Happenings

Benchmark Happenings

著者: Jonathan Tipton Steve Reed & Christine Reed
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Brought to you by, Jonathan Tipton & Steve Reed of Benchmark Home Loans, Benchmark Happenings is a podcast that is a biweekly discussion about living in and moving to Northeast Tennessee along with the local real estate market. Join your host Christine Reed as she interviews Jonathan & Steve, local business owners, sought-after industry experts, Veterans, Realtors, Benchmark clients, and more.

Benchmark Happenings focuses on discussing all things related to mortgages and Northeast Tennessee. Placing the spotlight on all the reasons you would want to live in and move to Northeast Tennessee, Benchmark Happenings highlights upcoming events, local businesses, things to do, and other aspects related to Northeast Tennessee. We will also be answering mortgage questions from buyers, sellers, and real estate agents as well as discussing everything going on in our local real estate market.

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.tiptonreedteam.com.

Benchmark Home Loans | NMLS # 2143

4138 Bristol Highway

Johnson City, TN 37601

Jonathan Tipton

Senior Mortgage Planner

NMLS # 1188088

jonathan.tipton@benchmark.us

Steve Reed

Branch Manager

NMLS # 173024

steve.reed@benchmark.us

© 2025 The Tipton Reed Mortgage Team - Benchmark Home Loans
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  • Beyond the Gavel: A Judge's Mission to Transform Lives
    2025/05/28

    Judge Jim Goodwin lifts the veil on what recovery courts really are—not programs for first-time offenders as commonly misunderstood, but rather the last line of defense before long-term incarceration for those caught in addiction's grip. As Criminal Court Judge for the Second Judicial District in Sullivan County, Goodwin has transformed the landscape of rehabilitation in East Tennessee through innovative court programs that break the cycle of addiction and crime.

    Goodwin's journey began during his 15 years as a prosecutor, including work with child abuse cases that left him seeking something positive to balance the emotional weight. This experience, coupled with his early exposure to the judiciary during law school, planted the seed for his eventual role as a judge. Taking office in 2014, he wasted no time establishing the region's first recovery court, accepting their first participant by spring 2015.

    What makes this story particularly compelling is the evolution of recovery court services under Goodwin's watch. The original outpatient program has expanded to include a compliance docket for lower-risk individuals and residential programs housing up to 85 men in Roan Mountain and 12 women in Johnson City. The most striking testament to the program's effectiveness? Among 30-40 graduates over nearly a decade, only two participants have relapsed—an extraordinary success rate in addiction recovery work.

    Behind the statistics lie powerful human stories, including a woman who was contemplating suicide in her jail cell while applying for the program. After initially going through the motions, something clicked, and she committed fully to recovery. Today, she's a regional manager who has regained custody of her children, helped her husband and sister overcome their own addictions, and even established support meetings in her community. As Judge Goodwin notes, many participants have never before had authority figures tell them they have value or recognize their achievements—something that proves transformative when combined with structure, support and accountability.

    Ready to hear more inspiring stories of redemption through East Tennessee's innovative approach to addiction and criminal justice? Listen now and discover why Judge Goodwin calls his recovery court sessions "the best part of my work week."

    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.

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    26 分
  • Your Brand Deserves More Than a Selfie
    2025/05/14

    What happens when tourism expertise meets a passion for pageants and photography? Something magical, as Krishna Goodwin demonstrates in this captivating conversation about professional imagery, personal branding, and finding your true path.

    Krishna pulls back the curtain on her journey from Sullivan County Tourism Director to sought-after photographer, revealing how her husband's hobby unexpectedly launched her into a specialized career capturing stunning headshots for pageant contestants and professionals alike. With remarkable emotional intelligence and 30 years of pageant experience, Krishna has developed an uncanny ability to identify and minimize insecurities, helping clients present their best, authentic selves to the world.

    "We look in the mirror and see something different than maybe what everybody else sees," Krishna explains, sharing her philosophy that exceptional photography isn't just technical skill—it's understanding people. Through her work with beauty queens, realtors, and corporate professionals, she demonstrates why professional headshots matter more than ever in our digital-first world, where first impressions often happen before you walk through the door.

    Beyond photography techniques, Krishna offers wisdom about career pivots, finding mentors, and embracing discomfort as a pathway to growth. Her faith-centered approach to business—"When I gave my business to God, it brings me the clients He wants me to have"—provides a refreshing perspective on professional success that prioritizes meaning over volume.

    Ready to upgrade from backyard selfies to images that truly represent your personal brand? Listen now and discover why Krishna believes your headshot is more than just a photo—it's your calling card to the world.

    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.

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    34 分
  • The Great Rate Debate: Navigating Today's Mortgage Market
    2025/05/03

    Navigating today's mortgage market doesn't have to be overwhelming. Steve Reed of Benchmark Home Loans joins us to cut through the confusion with straightforward talk about what's really happening with housing inventory, interest rates, and smart loan shopping in 2024.

    The real estate landscape has noticeably shifted from the frenzy of 2021-2022. We're seeing about 20% more inventory compared to last year, with homes typically staying on market for 30-90 days instead of hours or days. While this feels dramatically different after the pandemic market, Steve explains it's actually a return to historical norms. Properties priced right and in good condition still move quickly, while overpriced homes or those needing significant repairs linger longer.

    Interest rates present perhaps the biggest source of consumer confusion. Steve dismantles the myth of "the rate" by explaining how your personal mortgage rate depends on at least 27 different factors including credit score, down payment, property type, location, debt-to-income ratio, and intended use. While average rates currently hover between 6.5-6.75%, the good news is they're trending downward as inflation stabilizes.

    One of our most valuable discussions centers on rate shopping and the potentially deceptive practice of advertising rock-bottom rates without disclosing required points. Steve breaks down how paying points works mathematically - showing that on a $300,000 loan, the difference of 1/8% in rate equals merely $24 monthly (or "two Starbucks lattes"). This perspective helps frame the true value proposition of working with knowledgeable local lenders versus chasing marginally lower advertised rates from big-box lenders.

    First-time homebuyers receive special attention as Steve emphasizes their need for education, certainty, and guidance through the biggest purchase they've likely ever made. When every dollar counts, having clear expectations about down payments, closing costs, and monthly obligations becomes crucial. The value of working with experienced professionals who provide transparency and personalized service far outweighs potentially saving a few dollars monthly.

    Ready to explore your mortgage options with professionals who prioritize education and transparency? Connect with our team today to discuss your specific situation and goals.

    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.

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    24 分

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