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, 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 beauty and we, Homer and JoAn Craft, as your agents can provide the most in-depth and complete tour of real estate listings; Germantown Tennessee new homes, Collierville Tennessee homes for sale, Bartlett homes for sale, Arlington homes for sale, Memphis Tennessee homes on the market. As a long time resident of this area, we know the area and we can show you the houses for sale that match your search criteria in the, Germantown homes for sale, Collierville homes for sale, Lakeland homes for sale, Memphis Metro area homes for sale, Bartlett homes for sale, Arlington homes for sale, Millington homes for sale, and Tipton and Fayette County homes or property for sale. Our work and dedication to finding you and your family your ideal home is inspired by the relationships that we built with our clients. Use this comprehensive Web site to search for Shelby County Tennessee homes for sale and Tipton and Fayette County properties and homes 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. It's Tennesse, your home is waiting for you and we can help you find it.

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 and Oakland communities. From schools, to community 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 Web site to help you find information on the neighborhoods in the Shelby, Fayette and Tipton counties. 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, in Arlington, Atoka, Bartlett, Collierville, Germantown, Lakeland, Memphis, Millington, Munford and Oakland, TN homes for sale with our help through the MAAR Board of REALTORS®. 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 are legally and ethically obligated to work solely in the best interest of 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 starter home, dream home 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

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.

Call or email if you have questions: 1-901-377-5537 / homer.craft@comcast.net

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.

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 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. This 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®. 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 possesson 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 prorations 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 will provide you with a list of Home Inspection company.

7 to 3 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 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 Fed-exed 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), documente 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, and properties can close any day of the month, the interest will be prorated and paid at this time. Homeowner's insurance premium is paid at the closing. However, since the mortgage company will be paying the continuing payments, it will divide the annual premium by twelve to get an estimated monthly amount and hold 2 months in your impound account. The same is true of the property tax. Property taxes are prorated at the closing and the buyer is responsible for the taxes from the closing date on, which may start based on the closing date, and therefore prorating gives the seller any prepaid tax refund. Taxes are divided by twelve and 2 months is held in your impound account.

And on to our next "step!" There is one more thing.

Step 6

Then What?

Ah, this is the time you begin to enjoy your new home, city and state! There is so much to see and do. Whether you take a week, a weekend or just a day, something interesting is close by. Nashville, Tn., St. Louis, Mo., Little Rock, Ark., Jackson Ms, are within a 4 hour drive.

Revisit my website for ideas on where to start. Of course, if a cool, air-conditioned Mall is where you'd like to explore, we have shopping galore or how about golfing

There are events occurring all the time. Newspapers will be advertising and announcing them. For a quick perusal of annual events, check out this page. Now that you're here, you might like to know a little bit more about the history and culture of your new state. There's lots of information on our website. As you can see, you've picked a good place to live! And please don't forget us! We are here to help. We would appreciate you telling your friends and family about us and our website. We'd love to help them.!

Thank you so much for choosing us as your REALTORs®

We are here to assist you and provide a comprehensive source of information and service for anyone buying or selling property. If you have any questions or comments please don't hesitate to call or email. Thank you for visiting our site, please bookmark it and visit often. We look forward to hearing from you.

Call or email for FREE HomeBuyer Orientation Information

For those that are transferring, relocating and asking us for information for homes in Arlington, Atoka, Bartlett, Brighton, Collierville, Cordova, Eads, Germantown, Galloway, Hickory Withe, Lakeland, Lucy, Memphis, Millington, Munford, Oakland. We are REALTORs® For West Tennessee and we represent the Buyer.

The listing agent represents the seller, and the buyer's agent represents the buyer. Sellers pays the commission but it is paid to the brokerage of the listing agent. That brokerage in turn pays the commission to the brokerage of the Buyer's agent. The individual agent is then paid on whatever level has been agreed upon in their office contract.

It will not be mandatory for the Buyer to sign an agreement with us at initial contact, although we would be happy to do so. We extend much effort, time, expertise, loyalty and education to be singularly informed on behalf of our buyers. However, we would hope that with such good service and representation, a buyer will be loyal to us!

At the time an offer is written, then it is necessary to sign an Agency Agreement stating who we represent. It becomes part of the offer. Agency representation is also in the verbiage of the purchase contract.

What about new homes and new subdivisions?

Yes, we represent the Buyer as well. We include new homes and new subdivisions in our showings of homes. Many times incentives are offered to realtors® for their buyers.
The site salesperson represents the builder, so a Buyer should have representation.
The policy is to have the realtor® present when viewing the new homes. It is tempting when first arriving to cruise the new subdivisions. In order to have Buyer representation, nothing must be registered or signed without your realtor®. If you are just looking, say so, and you may not be asked to register yourself. If asked, state that you are working with a realtor® and will return with that realtor® if interested in that subdivision.
Caveat Emptor (Buyer Beware) is no longer is enough to protect a buyer. Each state has its differences. There are inspections, disclosures, deadline dates, title work, loan procedures, and recommended use of professionals. Representation for the Buyer is very important today!
We are looking forward to helping you find your new home.

Ready to sell? Homer and JoAn use the latest technology and will showcase your home and properety to buyers worldwide, 24 hours a day, 7 days a week. The Home Search system they use already has registered buyers looking for homes and they may already have the perfect buyer for your property. Request a free market evaluation today and let Homer and JoAn help you to determine what your home is worth. Click on the "SELLING TAB" and complete the selling form to receive valuable information about the value of your home. Contact us for " FREE" Information on How to Sell Your Home Quickly by getting it ready to sell. Remember the 60 second rule: that's all the time you have to create a good impression. Ask yourself over and over if your house looks like someone else's dream house. Houses in move-in condition tend to be inviting to buyers; houses that are like new typically sell the fastest and procure the best price.

MARKETING HOMES FOR SALE

Free Market Presentations, for homeowners that are considering or just curious, in selling their home.

Yes, you can request a "FREE IN-HOME PRESENTATION" of how we would market your property in the Arlington, Atoka, Bartlett, Collierville, Germantown, Lakeland, Memphis, Millington, Munford and Oakland area. We do these presentations for people all the time. It's our job! There's no obligation.

We'll visit your home and together we will walk through it to consider both the pro's and con's. Our presentation will include a Comparative Market Analysis of your home. We'll compare your home to similar homes that recently sold in your area. We will also review you competition, which is other homes currently on the market in your area. This is a excellent way to determine the fair market value of your home. You will then see exactly how we would propose to sell your home, for as much money as the market will bear. Today's buyers search the web for homes that are for sale. We are REALTORs that believe in online marketing and understands the importance of marketing online.

We would love the chance to make a presentation to you. It is totally free and without any obligation. Call our direct # 901-377-5537 email us at homer.craft@comcast.net .

Most Agents merely "Post" your listings - We "Host" your home to the largest audience of Home Buyers online.

We are Marketing Agents and Consultants that know the importance of on-line Marketing. We are in an Opportunistic Market and use our experience of negotiations, creativity, staging and networking. Did you know that according to recent surveys approximately (84%) of homebuyers search on line for homes vs newspapers at (35%). Home buyers use the internet to search for homes more than any other media. Home buyers say the most important features are Photos, Visual Tour and Detailed Descriptions of your home. More and more homebuyers are finding the home they buy on line?

These are a few of the ways we use to get your home the maximum attention and exposure it deserves when you are ready to sell. We invite you to contact us to learn more about us and our commitment to real estate marketing. We look forward to hearing from you. (901-377-5537)

Do you know the (15) questions to ask when interviewing a REALTOR®? Call us.

Information for Senior Citizens

For FREE Area Information.

This site was developed with you in mind, and allows you to gather real estate information quickly and easily.

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Call or email, to obtain the Property Tax Rate for Shelby, Tipton and Fayette counties and the cities of Memphis, Germantown, Bartlett, Collierville, Arlington, Lakeland and Millington within Shelby County.

Property Taxes - Q & A

Q: How do property taxes work?
A: Property taxes are what most homeowners in the United States pay for the privilege of owning a piece of real estate, on average 1.5 percent of the property's current market value. These annual local assessments by county or local authorities help pay for public services and are calculated using a variety of formulas.

Q: Are property taxes deductible?
A: Property taxes on all real estate, including those levied by state and local governments and school districts, are fully deductible against current income taxes.

Q: Where can I learn more about appealing my property taxes?
A: Contact your local tax assessor's office to see what procedures to follow to appeal your property tax assessment. You may be able to appeal your assessment informally. Mostly likely, however, you will have to go through a formal tax-appeal processes, which begin with an appeal filed with the appropriate assessment appeals board.

Q: How is a home's value determined?
A: You have several ways to determine the value of a home.
An appraisal is a professional estimate of a property's market value, based on recent sales of comparable properties, location, square footage and construction quality. This service varies in cost depending on the price of the home.
A comparative market analysis is an informal estimate of market value performed by a real estate agent based on similar sales and property attributes. Most agents offer free analyses in the hopes of winning your business.
You also can get a comparable sales report for a fee from private companies that specialize in real estate data. You also can find comparable sales information available on various real estate Internet sites.

Q: Are taxes on second homes deductible?
A: Interest and property taxes are deductible on a second home if you itemize. Check with your accountant or tax adviser for specifics.
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