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Homer and JoAn Craft, ABR, CRS, GRI
Homes for sale Collierville,Bartlett,Memphis,Harbor Town,Downtown,South Bluffs,Germantown
(901) 377-5537

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Homer and JoAn Craft / Heritage Homes Co

We Welcome You To Our Area of Tennessee

You will benefit by hiring us, as your REALTORs. We use cutting edge technology, up-to-the-minute market data, in making buying and selling homes faster, easier, and customized to benefit you.

Homes are selling! If you are considering a move, let 's talk. We can give you first hand knowledge of the market place. We are full time REALTORs that live in Bartlett. JoAn has 25 years of experience and I have 19 years. We have handled numerous transaction over the years and we are consistently top producers at our brokerage. We work hard and consider ourselves as general managers working for you. There are a lot of moving pieces for every transaction, so you need experienced REALTORs, like us, that work well with various vendors, inspectors, title companies and lenders to make sure you do not have to worry about a thing. Our experience assists us in preparing you, to meet your goals and expectations. Thank you for your time and consideration. .

You Have Real Estate Questions Contact Us. We've been active in the real estate business since 1993. Proud to serve the people in this wonderful area with listing or selling their real estate. Call our (direct # 901-377-5537) or (text 901-490-7888) or (Heritage Homes Co 901-755-2000). It will be an honor to list and sell your property and help you find a property. If you are in the market to buy or sell!!! Call or email homer.craft@comcast.net , Homer and JoAn Craft, "Your Professional Source For Real Estate"

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Heritage Homes
Homer and JoAn

We help buyers and sellers in, Arlington, Atoka, Bartlett, Brighton, Collierville, Cordova, Eads, Germantown, Galloway, Hickory Withe, Lakeland, Lucy, Memphis, Millington, Munford, Oakland, Downtown, Harbor Town, South Bluffs, Cooper Young, Central Gardens, Midtown, Memphis, Tn. If you have questions about real estate sales of new, existing, homes, condo or subdivision, in west Tennessee, Tn, call 901-377-5537 or office 901-755-2000 or email homer.craft@comcast.net

Are you a First Time Home Buyer call us, Are you searching for a, Zero Lot, New Homes, Luxury Homes, Upscale, Gated, Gated Community, Condo, Seniors, 55+. Vacation Homes, Retirement Homes, Foreclosures, Short Sales, HUD homes, Existing Home, Lease, Rent, Corporate Relocation and Military Relocation. "Own Your Part of Tennessee".

Working Downtown Memphis or attending UT school of Medicine, Dental, Nursing, Pharmacy, Health Sciences and looking for a central location to live such as Harbor Town, South Bluffs or Downtown, Call Homer and JoAn Craft, 901-377-5537, Cell & Text 901-490-7888 or Heritage Homes Co 901-755-2000, Email homer.craft@comcast.net

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Real Estate Agent | Nostalgic Old South | Your Home Search | Selling Your Home | Buying A Home
Choosing a New Home | Listing Your Home | Why Live in Tennessee | Home Buying Steps

Historic Memphis, is the youngest of the four major cities in the state. It is a city full of energy and soul. You will hear it in the clubs, taste it in the barbeque and upscale restaurants. It is the home of Elvis Presley and birth place of the blues. Feel it in the electricity of the world class events and world famous attractions. It is a modern city of industry, fortune 1000 companies, such as, FedEx, International Paper ,AutoZone and classic boutiques and major chains and business. This part of Tennessee offers locations and something for everyone, small town living, Arlington, Bartlett, Collierville, Germantown, Millington and cities in Fayette and Tipton Counties and urban living in Memphis, Tennessee.

Memphis and the surrounding cities are made up of 1.3 million people, but it doesn't have big-city prices. The cost of living in our part of Tennessee, is one of the lowest in the country, and the typical home purchase price and rent falls well below the national average. ln fact, Memphis came in at number four on our list of the 10 Cheapest U.S. Cities to Live ln. There´s good news for professionals headed to this metro area who plan to drive to the office: The average commute to work is just 23.8 minutes, about 6% shorter than the national average. Not bad considering the local population exceeds 1.3 million. Thanks to economic-development efforts over the last few years, 16,355 new jobs were created in Memphis from 2007 to 2011. The area also made it onto Forbes´s 2013 list of 15 U.S. Cities With Emerging Downtowns, which looked at population growth and economic development.

Real Estate Presented by Homer and JoAn Craft

For all the information you need on living in or buying homes for sale, in Germantown, Collierville, Lakeland, Memphis, Millington, Munford, Oakland, Atoka, Arlington, Cordova, Bartlett, and the surrounding cities in the Memphis Tennessee, Tn area, and the counties of Shelby, Fayette and Tipton. Contact us, Homer and JoAn Craft, we are experts that specalize in searching for residental real estate, homes and houses for home buyers. We have a driven focus on customer service and an unmatched desire to best understand your needs we will always be available to answer any question you may have on the home buying or home selling experience in this market. Whether it's a question on listing or buying houses, we can answer them and assist you in finding your perfect home in Memphis Metro area, which includes Fayette County and Tipton County.

Nostalgic Old South

The Memphis Metro lifestyle is one of tranquil and beauty. Homer and JoAn Craft, as your agents can provide the most in-depth and complete tour of real estate listings in the Memphis MLS Area. As a long time resident of this area, we know the area and we can show you the homes for sale that match your search criteria. Our work and dedication to finding you and your family your ideal home is inspired by the relationships that we build with you, our clients. Use our comprehensive Web site to search for Shelby,Tipton and Fayette County properties for sale. The Memphis Metro is considered "The best kept secret of the South" and in this playground of plenty you can find comfort and enjoy the relaxed Southern hospitality. Your home is waiting for you and we can help you find it.

Homer and JoAn Craft, to Aid in Your Home Search

Use our Web site to help you navigate through the Memphis Metro Tennessee real estate landscape including the cities of Germantown, Collierville, Arlington, Bartlett, Lakeland, Millington, Munford, Atoka, Oakland and other communities. From schools, to communities and consumer information, our web site's "Useful Links" is a resource to help you make an informed decision about your real estate prospects here in the Memphis Metro area. It isn't only the Memphis Metro area that has been attracting homebuyers from across the country. You can use our Website to help you find information on the neighborhoods in our area. You can also use this web site to search Memphis Area Association of REALTORS® MLS for local real estate listings and find new homes or existing homes for sale.

It is our experience and numerous distinctions that set us apart and can help you feel assured that you will find the right home for you and your family. One accreditation that we are particularly proud of is the ABR (Accredited Buyers Representative) which is a designation given to agents who are specifically knowledgeable and experienced in representing home buyers and first time home buyers. In addition, we were also awarded the coveted CRS (Certified Resident Specialist) designation, which is only given to the top 4% of real estate agents who take the required advanced courses along with accomplishing a high volume of closed real estate sales. With our experience and these designations, we created this site to better help in your search for a beautiful home

Homer and JoAn Craft are Buyer's Agents, who serves Memphis and the surrounding cities in Tennessee. As a buyer's agent, they have no conflict of interest in showing you any home and we are legally and ethically obligated to work solely in the best interest for you, the client, to get your best deal!

First Time Buyer, Relocation Buyers, Move-Up Buyers and those that are Down Sizing Home Buyer's, need someone to guide them through the entire process of buying a home from start to finish. Homer and JoAn understand the unique needs of these home buyers.

Are you looking to hire Memphis, Tennessee's best REALTORS® to begin your new home search? Buying a home is one of the largest investments you will ever make. Invest with confidence when you have Memphis areas best REALTORS® working for you.

Buying a Home

Buying a home is an exciting and complex adventure. It can be a very time consuming and costly if you are not familiar with all aspects of the process, and do not have all of the information and resources at hand.

One of our specialties is representing the best interest of Memphis area buyers throughout the home buying process. Our services will save you time and money and hopefully more enjoyable and less stressful.

If you are like most people, buying a home is the biggest investment you will ever make. So whether you are buying a existing, starter home, dream home, foreclosure or investment property, why not take advantage of our experience as a local marketing expert for the Memphis area to help you make the most informed decision you can make, ever step of the way.

Call or email if you have questions: 1-901-377-5537 / homer.craft@comcast.net office Heriage Homes Co 901-755-2000

How to Choose a Home

Here are some tips to help determine which house is best for you.

Once you have settled on a couple of preferred neighborhoods, its time to pick a few homes to view. Having a house feature "wish list" keeps you focused on which features are most important to you.

Consider the following when narrowing down your home search:

Know what type of home you want to buy:

Determine the age and condition of house you want to buy

Consider resale potential

Use a feature wish list to keep focused

Use a home search comparison chart to keep organized

Act decisively when you find the right home

Call or email if you have questions: 1-901-377-5537 / homer.craft@comcast.net, office Heritage Homes Co. 901-755-2000

Plain and simple, owning a home can improve your quality of life, provide stability and give you a sense of control you just can't get from renting. You have a place to live when you rent, but buying is something much deeper – and better.

The intangibles are tough to measure, but there are other benefits you can quantify:

Financial investment; Your monthly mortgage payment creates equity for you, not your landlord.

The interest on your mortgage is a tax deduction; While this isn't a reason in itself to buy a home, it's nice to get a break at tax time.

Fixed monthly housing payment; If you opt for a fixed-rate mortgage, the monthly rate of your mortgage won't change for the length of the term.

Look for a house you can stay in long-term; one that will grow with your family and needs. The financial benefits of owning increase over time.

Tax-free gain; When it's time to sell your home, you don't pay taxes on the proceeds of the sale that are above what you paid (with some restrictions – see information on capital gains).

Look for an agent who understands your lifestyle. Make sure the agent knows the neighborhoods you're interested in, and can answer questions you'll have about the location.

Selling Your Home With Homer and JoAn Craft

With established roots in the Memphis, Bartlett, Arlington, Atoka, Collierville, Cordova, Germantown, Munford, Millington, Oakland, East Memphis, Harbor Town, MidTown, community, we have a extensive pool of interested buyers who would be excited to see your home. Selling your home with, Homer and JoAn Craft is easy and quick because we are committed to treating you as a friend more than the seller of a home. And in this friendship you'll be able to trust that we will show your home to interested buyers who are looking for new houses or existing homes for sale in, Arlington, Atoka, Bartlett, Collierville, Lakeland, Memphis, Millington, Munford, Oakland houses for sale, Tipton and Fayette County property and houses for sale.

As REALTORS® who has your best interest in mind, we have also created this Web site to help you understand how to best sell your house or real estate property in the Memphis Metro Area. You can use this site as a resource or contact us directly and we can provide you with a timely market evaluation on your home.

It is our goal to help you sell your home in the quickest time possible, causing you the least amount of stress.

Reasons to List Your Home with Homer and JoAn Craft

  1. EXPOSURE: Information about your home will be distributed to dozens of the most trafficked websites in the world that include. Google, Oodle, REALTOR®.Com, Trulia, Zillow, Homefinder and many others.
  2. REACH: Pictures and information about your home will be distributed to tens of thousands of real estate agents throughout the world by REALTOR®.Com.
  3. SERVICES: Homer and JoAn are experienced, full time REALTORs that not only specialize in their local niche markets, but possess a deeper knowledge of local conditions that ultimately enhances their ability to negotiate on your behalf.
  4. SERVICES: Ever inquiry concerning your home is directed to us. It will be handled with professional courtesy. It's the best way for us to assure that your needs are being met to exceed expectations.
  5. MARKETING SAVVY: We create customized, professional quality marketing materials that are used to effectively promote your home via, local MLS, our website, direct mail, local print and local agents.
  6. RELIABILITY: Pricing your home right the first time is critical to getting it viewed by more people and sold in a shorter tim e span. Homer and JoAn Craft has the experience and uses the most analytical to devrive at the price for your home.
  7. TECHNOLOGY: Our website provider provides us with the leading website built with the latest UI and design standards in order to provide buyers the best real estate search experience in the area and sellers the best means by which to promote their properties.
  8. INNOVATION: We are always looking for ways to broaden our market reach through "real time technology. By utilizing applications such as iPhone, Blackberry, QR Code and Google Search to allow your home to be effectively marketed and promoted in an increasingly mobile environment.
  9. Connected to the Community: What matters to our clients is what matters to us. That's because we not only work in the communities we serve, we live and play here.
  10. We are steadfast in embracing the future of real estate. By creating innovative solutions for tomorrow's challenges, We serve through changing times and we want to be the choice in our market, today and tomorrow.
  11. Discover why Memphis and the surrounding cities are a wonderful place to live in Tennessee

    The Memphis nostalgic Old South once known as "King Cotton" meets the cosmopolitan New South as one of the major southeastern cities. It is a magnetic blend. The distinct four season climate is the first of many attractions, and the natural host to outdoor pleasures. We all become outdoor enthusiasts

    To take advantage of this lifestyle, there are wonderful communities throughout our immediate area. But first, an explanation of what comprises the Memphis area

    It consist of the cities of Arlington, Bartlett, Collierville, Germantown, Lakeland, Bartlett and Millington and others.. All wonderful, all with their own personality. We would love to show off these and other communities to you!

    Thinking about a New Home? Or a Vacation home? Maybe a family home in a new location? There are many reasons to make changes, retirement, downsizing, larger home or a different lifestyle; a condominium or townhouse on the mighty Mississippi River or a Downtown Loft instead of a family residence. Maybe a home on or near a golf course, gated communities, midtown, downtown, river view, east memphis, rural, or a nearby city. Do we have all of these? You bet!

    You can find ALL these homes by using our website to search for homes that match your needs and wants. We thought you might like to visit our website to see examples of what homes look like and their price ranges by city. Each community has its own personality and beauty. There are, of course will be a right neighborhood or feel for you! Please let us help you find your dream home.

    Tired of calling on ads for homes that are already sold? Never miss out on another property again.

    Now you can search the MLS on your own. Our site is updated every hour.

    Click the Properties tab and then click "Search All Listings" Tab and enter the required information to search for homes listed in the Memphis, Tn. MLS that provide homes ranging from "Castles to Cottages". Buyers receive automatic email links updated hourly from the multiple listing system on properties and homes that match their search parameters by using "HomeSearch" available solely on this internet site.

    Click FAVORITE LINKS For FREE Area Information

    We want to thank for visiting our web site, It's is our pleasure to answer any questions about any property you see for sale. We can show and sell ANY PROPERTY you see for sale, whether it is listed by us, our company, another company or a "For sale by owner". You need only ONE agent whether you are buying or selling property, to look out for your best interest and we want to be your REALTORs®, Homer and JoAn Craft.. You will Save $Money and Time, have fun, love your new home with Homer and JoAn as your REALTORS®. We can help you with any home you see for sale and our services as a buyers agent are $FREE. We are paid out of the seller's proceeds. We know you will appreciate having experienced REALTORS® by your side to help you through all of the steps, forms, inspections, mortgage process and details of purchasing your property. Homer and JoAn are "The keys to your real estate needs". If you are serious about becoming a homeowner call our direct number (1-901-377-5537). We are available at your convenience and want to find the perfect home for you. It will be our pleasure doing business with you!!!

    We will never release, sell or give away any of your information to any other party or organization. You will only receive requested information or updates.

    HOME BUYING STEPS

    Step 1 - Overview of Memphis and surrounding cities.

    This is an important visit for several reasons. There are many differences in the various communities and it helps to get familiar with them, their "look", their personality, their amenities, etc. and where they are located in relation to your job. We will explain the role of a Buyer's Agent. We will give each client a REALTORS® map of Shelby County before we head out. It also gives the buyer a scope of the size of the area and where each community is located.

    The research must be done prior to viewing the homes. Buyers can see for themselves whether or not the criteria they have (or wish to have) actually is available. If not, we can tweak. We will set the appointments. This is very easy to do. Most of the homes have lockboxes, and sellers are very accommodating. When looking at new homes it is very important that the reatlor is with the client at the initial visit.

    We also go over what it takes to present an offer, such as having a commitment letter to accompany it and what your contract consists of. Even if a buyer is a seasoned one, having sold multiple properties in the past, if he/she is coming from another area, terminology and methods may be different here.

    Step 2 - Obtaining A Mortgage

    It is important to start this process first, sometimes even before looking at properties. A second benefit is that the buyer will know beforehand exactly what they're qualified to buy, what issues might need to be addressed. We can put the buyer in the hands of a recommended local loan officer with access to many programs, who can counsel and guide a buyer.

    The loan officer will give you a Good Faith Estimate of the closing costs involved with the financing. There are recurring costs that you pay that are included in the monthly payment, such as homeowner's insurance and property taxes (the monthly payment consists of principal, interest, taxes and insurance and is referred to as PITI). The one-time closing costs are the origination fee, usually one point (or 1% of the loan amount) and any other points sometimes called discount points (the more points, the lower the interest rate). The appraisal fee, credit report, and other lender fees, such as document preparation, underwriting fee, are further one-time closing costs.

    Loan approval documents needed upon application: Two most recent pay stubs, W-2s for last 2 years (or if self-employed, 1040s for 2 years), federal tax returns for the last 2 years, last 2 months' bank statements, long-term debt information (credit cards, child support, auto loans, installment debt, etc.), proof of funds for your down payment.

    Step 3 - Making an Offer

    Locating the right house and making the offer. We have done our homework and we are ready. The first thing we do is to check the comparable home sales in that subdivision to see if this home is priced fairly, and how it relates to others similar to it that have sold. This CMA (comparable market analysis) tells us the price range of sold properties are in the area, what the average time on the market for them has been, and what the average sales price per square foot of the recent solds are. In some cases there will not be enough that have sold. I will find out how long the property has been on the market or if there have been any price reductions during the listing period, if there have been any other offers on the property, and what the motivation of the seller is. When you are comfortable with what we will be offering, we begin to prepare the contract. We go over this contract very carefully, so that each paragraph is understood. The first part acknowledges agency, and that we exclusively represent you as a buyer

    Next is the earnest money, which is held by the listing real estate company until closing and becomes part of the down payment. The property description follows, and an extensive paragraph outlining what and does stays with the house.

    Next are the terms of the offering price, including which method of financing. Then we fill in the closing date and possession date desired. The title company chosen is stated, and what their role is, and lists the title insurance policy commitment, including the Conditions, Covenants and Restrictions (CC&Rs), and that they will make the proration and what the title company provides.

    Next addresses the disclosures. You will be pleased to know that Tennessee requires that the seller provide a disclosures and If the home was built before 1978, a lead-based paint disclosure is necessary.

    There are provisions for a Home Inspection, Home Warranty and any other inspections the buyer may elect. We can provide you with a list of Home Inspection company.

    3 to 7 days before closing, there is a final walkthough to make sure all is as it was when inspected, or if any repairs that were requested and agreed to have been completed.

    Remedies for Breach are addressed, whether by buyer or seller.

    There are additional terms, such as compensation of the Brokers (it is paid by the seller and the amount is agreed upon in the listing agreement). This is a synopsis of the terms of the contract.

    Okay, now what? As buyer's agent, We present the contract to the seller's agent, who in turn presents it to the seller. However, negotiation is done from us to the seller's agent. May I say, that as a top producer, We have a successful career based on negotiating skills? We will definitely be working on the buyer's behalf! You can count on it. There may be multiple offers, there may be counter offers. Time is of the essence as the contract states. A fair offer usually generates a fair response. There will be no stone left unturned to get you the best possible outcome. Now, we have an accepted offer. What's next? We have 5 to 15 days in which to do a Home Inspection. We both attend because you will learn much about the mechanisms of the home. Should you be out-of-area, We will attend. You will have a note book for listing every detail of the home, including the roof. Any repairs will be requested in writing immediately, and the seller has 3 to 5 days in which to respond. After inspections are completed and approved, we enter our next phase, the closing!

    Step 4 - What Happens Before Closing?

    We will help you select an attorney to handle and prepare the paperwork for closing. This is the time to be in touch with the lender to provide whatever is necessary for the final loan documents,As a buyer, you will want to arrange for the utilities to be turned on when the seller's is turned off. Don't forget to have for the seller to take care of any requested repairs, and for the lender to go through the underwriting process. the phone company ready to turn on your new service as well. Make sure all magazines, bills, and family and friends, have your new address! Anything related to school registration should also be done well in advance. Moving preparations should be made as soon as you know the offer is accepted.

    Step 5 - At the Closing!

    Meet at our office (an exception could be an out-of-state or out-of-country buyer, in which case documents are Fedex and need to be notarized). Buyer and seller close separately, and the keys are not given to the buyer until they exchange closing papers or the seller receives payment, which may be that afternoon, or the next morning. Time your movers accordingly.

    Buyers (and sellers) and their agents will be given an audit sheet (the settlement sheet) showing the closing costs beforehand, so there are no surprises, and the buyer will know exactly how much his cashiers check should be. Other closing costs will consist of attorney fees, processing fee (escrow settlement fee), document prep fees, recording of the deed, pre-paid interest*, homeowner's insurance, property tax, and a notary fee. Pre-paid interest - Since mortgage loans are due on the first day of the month.

    Click here to see us on REALTOR®.Com

All information being provided is for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed.
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Last Update: 5/5/2018 9:45:05 AM