We Welcome You To Our Area of TennesseeToll Free 1-877-377-5537
Buyers of First Home, Family Home, Luxury Home, Vacation Home, Retirement Home, Corporate Relocation and Military personnel relocation. "Own Your Part of Tennessee" .
HOME BUYERS, Search the MLS. Click "PROPERTIES "
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. Contact us for "FREE" HomeBuyer Information. 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) or Toll Free (1-877-377-5537). 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 realtor's 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
BUYER'S REPRESENTATION FOR THE PURCHASE OF REAL ESTATE
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.
Will the Buyer need to sign an agreement?
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.
HOME SELLERS
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 ON LINE
Most Agents merely "Post" your listings - We "Host" your home to the largest audience of Home Buyers online.
We know the importance of on-line Marketing. Did you know that according to recent surveys approximately (77%) 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 (2) most important features are photos and detailed descriptions. More and more homebuyers are finding the home they buy on line?
We are one of the few realtors in our community who is able to market your home utilizing the most powerful online real estate marketing program, Realtor.Com. Six Million buyers search for homes on this site each month. Your home is Featured and Showcased on Realtor.Com which has arranged for it to appear on other internet sites for real estate.
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) or Toll Free (1-877-377-5537)
Do you know the (15) questions to ask when interviewing a Realtor? Call us.
Senior Citizens Stuff
The American Association of Retired Persons (AARP) has over 35 million members and 695,000 Members in the state of Tennessee. The Tennessee office is located in Nashville and the (toll-free) is1-866-295-7274. Membership in AARP is open to any person age 50 or above.
The AARP Legal Services Network (LSN) is as member benefit providing access to attorneys that reduce their fees too AARP members.
Local Seniors Centers: Arlington, Bartlett, Germantown, Memphis
More information is forthcoming Click FAVORITE LINKS For FREE Area Information.
This site was developed with you in mind, and allows you to gather real estate information quickly and easily.
Military Personnel We Welcome You To TennesseeToll Free 1-877-377-5537
Click here for (Rent or Lease)
Property Taxes - Q & A
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.
Q: How does 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. On average, an appraisal costs about $300 for a $250,000 house.
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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