ROSE TOIA for Real Estate Consultant

07/10/2026

Cotton's Country Store 🤍
This is the chance of a lifetime to own your own family business. Owner operated Open & revenue generating! Ralph & Connie have resurrected what once was the community hub from 1937 ..OPEN today! This store is the community’s place of gathering & networking!

Welcome to Saint James Cedar Creek farming community like none other.
🙌🏻Guaranteed 🙌🏻The neighbors know each other,support each other & yes we put our heads together to help each other! As before & now Saint James is one of the best communities to reside in!

https://youtu.be/_sN_UwNo1NE?si=NbivISk1Fx3IST7t

I have ideas to help you expand & create from the store’s current operation or keep it running as it is. I’d love to hear your ideas! Serious Inquiries Only. Call to discuss this business opportunity.

Rose Toia
Country Living Realty
423-444-1812 📲 Let’s talk about your next move!

Ask about my Off Market homes & Land! Looking for a church…I can help!

📲⁨(423) 444-1812⁩
https://www.countrylivingrealtytn.com/rose-toia



https://www.countrylivingrealtytn.com/rose-toia

06/20/2026

🏡 Thinking About Buying or Selling?

There’s nothing better than working with someone who truly knows the value of home—and the importance of feeling comfortable every step of the way.

Hi, I’m Rose Toia, REALTOR® with Country Living Realty. Whether you’re looking for peaceful land, a cozy home, or your next investment, I’m here to guide you with honesty, experience, and local knowledge.

✨ Serving Greeneville, Newport & surrounding East Tennessee areas
✨ Personalized service tailored to your goals
✨ Dedicated to making your move smooth and stress-free.

📲 Let’s talk about your next move!

Ask about my Off Market homes & Land!
Coming soon just under 2 acres!

📲⁨(423) 444-1812⁩

Rose Toia
REALTOR
Country Living Realty

https://www.countrylivingrealtytn.com/rose-toia

06/20/2026

VIEW LOT
PUBLIC WATER TAP
ELECTRIC
Coming soon just under 2 acres!
Cedar Creek Cave Rd, Greeneville TN 37743

📲(423) 444-1812

Rose Toia
REALTOR
Country Living Realty

05/27/2026

Sellers Are Now Paying Buyers' Closing Costs In 45% Of Deals.

That is a massive increase from last year’s 27%.

And honestly, this may be one of the most overlooked opportunities in today’s housing market.

Because for many buyers, especially first-time homebuyers, closing costs are the number nobody prepares them for.

You finally save enough for a down payment…

Then realize you may still need another $8,000 to $15,000 (depending on the sales price) just to close....

That includes:
• Loan fees
• Title charges
• Insurance escrows
• Taxes
• Prepaid interest
• Settlement costs

That surprise expense is what quietly pushes many buyers back to renting.

But today’s market is creating opportunities again.

On a $375,000 home, average closing costs can run around $11,000.

If the seller agrees to pay those costs, that is potentially $11,000 the buyer keeps in their pocket.

Think about what that means:
• More savings after closing
• Better emergency reserves
• Less dependence on credit cards after moving
• Money left for furniture, appliances, or repairs
• More confidence stepping into homeownership

The market today is different than it was during the peak frenzy years.

Buyers have to know what to ask for.

Do not automatically assume the answer is no.

Because nearly half of sellers in today’s market are already contributing toward buyers’ closing costs.

05/25/2026

✔️Looking for Land to build your dream house or an existing home, take a look at my listings!

https://www.countrylivingrealtytn.com/rose-toia

Expert Service
Professionalism
Avoid high commission rates
https://www.facebook.com/share/18xok79VVz/?mibextid=wwXIfr

05/21/2026

🏔️⛰️STUNNING MOUNTAIN VIEW ⛰️🏔️

📍3289 Long Creek Road, Parrottsville TN

Motivated Seller! $259,900

On over an ACRE of land!!!

✅3 Bedroom
✅2 Bathroom
✅Split Floorplan
✅All Amenities on the main level
✅County Taxes
✅1.24 ACRES

Peaceful Country Living at Its Finest!
Nestled amidst fields of gold, this quiet country home offers serene seclusion surrounded by nature’s bounty — mature apple and fig trees, graceful cherry blossoms, and vibrant perennials. The perfect start to your very own orchard or hobby farm, with plenty of space to grow your family, your food, and your dreams.

This charming three-bedroom home features a desirable split floor plan, ensuring privacy for everyone. The open-concept layout invites connection, while the chef’s delight eat-in kitchen offers abundant cabinetry and storage — ideal for large family gatherings and entertaining. With a separate laundry room and all living spaces conveniently located on the main level, this home combines comfort and functionality in a peaceful countryside setting.

Located in the welcoming community of Parrottsville, you’re just over an hour from Knoxville Airport and minutes from the conveniences of Newport and Greeneville, Tennessee. Enjoy small-town charm with a local post office, pizza place, gas station, and farm-fresh markets nearby — everything you need, wrapped in the beauty and simplicity of country life.

Rose Toia,REALTOR
Country Living Realty
📲423-444-1812
👆🏻Direct & text👆🏻

View Today!

Ask for Rose Toia
Lic #360023
O:423-430-9012
https://www.countrylivingrealtytn.com/rose-toia

https://picture-perfect-media.aryeo.com/sites/parrottsville-tn-37843-20156143/branded?fbclid=IwRlRTSANy8f9leHRuA2FlbQIxMQABHvIEYrGDWs5VtDVNsnp6zhe3i4080EmsPHY9sBCluQ3ekIBuCa7bGufpcTSv_aem_Af2BA6lU_89vSP5fQ-hgjQ

View this amazing property, images, and listing information.

05/20/2026

Most buyers today are searching for the same thing:
A fully updated, move in ready home.

And that’s exactly why so many buyers are frustrated.

Low inventory, rising competition, and bidding wars have pushed many updated homes out of reach financially. But what if the smartest move right now isn’t buying the perfect home…

What if it’s creating it?

That’s where FHA 203(k) renovation loans can completely change the game.

A lot of people have never even heard of these loans, but they can be one of the most powerful financing tools in today’s market.

There are two main types:

203(k) LIMITED:
Designed for cosmetic or non-structural improvements.

Examples:
• New flooring
• Kitchen updates
• Bathroom remodels
• HVAC systems
• Roofing
• Windows
• Appliances
• Paint and cosmetic repairs

This option is typically more streamlined and works well for homes that mainly need updating rather than major repairs.

203(k) STANDARD:
This is for larger renovation projects and structural work.

Examples:
• Room additions
• Foundation repairs
• Moving walls
• Full gut renovations
• Major repairs
• Converting multi-unit properties
• Significant rehab projects

The Standard version also involves a HUD Consultant who helps oversee the renovation process and protects both the buyer and lender throughout construction.

Now here’s why this matters so much right now:

Inventory is still limited in many markets.

Many buyers are losing out competing for updated homes while perfectly good homes with outdated finishes sit on the market longer.

That outdated property with old cabinets, ugly carpet, or a home that “needs work”?
Most buyers walk away from it.

But renovation buyers see opportunity.

Instead of paying a premium for someone else’s upgrades, buyers can potentially:
• Customize the home to fit their needs
• Build equity faster
• Expand their home search
• Compete less aggressively
• Finance repairs into the mortgage
• Preserve more cash after closing

Sometimes the best home isn’t the prettiest one on Day 1.

Sometimes it’s the one with the most potential.

In today’s market, flexibility wins.

05/17/2026

SELF EMPLOYED?
Want to invest?
BUY NOW WITH YOUR EQUITY!
You have several options.

Let’s Chat!

ATTENTION STATED INCOME BORROWERS!

Looking to take cash out of your home based on your appraisal value?

https://www.forbes.com/advisor/l/best-heloc-lenders

05/17/2026

👇🏻DREAMING of MOUNTAIN VIEWS 👇🏻

Look no further! You landed a few deals of a lifetime! 👇🏻

I have a list of off market properties!

Looking for a country store to invest in? Land to build your dreamscape, camp or homeplace. I can assist you!

https://www.countrylivingrealtytn.com/rose-toia

Call to view!
423.444.1812
Rose Toia,REALTOR Country Living Realty

05/05/2026

10 ACRES
STUNNING MOUNTAIN VIEWS

Look no further! You landed the deal of a lifetime! 👇🏻

https://www.zillow.com/homedetails/10AC-Clemmer-Dr-Chuckey-TN-37641/461652910_zpid/?utm_source=nativeshare_activation_v1

Looking for a country store to invest in? Land to build your dreamscape, camp or homeplace. I can assist you.

https://www.countrylivingrealtytn.com/rose-toia

Call to view!
423.444.1812
Rose Toia,REALTOR Country Living Realty