Sales Representative

Sales Rep.

<img title="BECOMING A HOMEOWNER" src="https://p6-prod.s3.amazonaws.com/cms/72WxPk7YZ8VyFViyxNJ5siv0MzwKLKp2ANtPznB0.png" alt="BECOMING A HOMEOWNER" width="1070" height="632" />
<div class="co8aDb gsrt" role="heading" aria-level="3">Becoming a Homeowner&nbsp;</div>
<div class="RqBzHd">
<ol class="X5LH0c">
<li class="TrT0Xe">Before you start looking for your new home, you'll need to have a good idea of how much you can afford.</li>
<li class="TrT0Xe">Speak to a lender and start the pre approval process.</li>
<li class="TrT0Xe">Choose the mortgage that's right for you.</li>
<li class="TrT0Xe">Call me and we'll start searching for your new home.</li>
</ol>
</div>

Becoming a Homeowner  Before you start looking for your new home, you'll need to have a good idea of how much you can afford.
Speak to a lender and start the pre approval process.
Choose the mortgage that's right for you.
Call me and we'll start

Becoming a Homeowner  Before you start looking for your new home, you'll need to have a good idea of how much you can afford. Speak to a lender and start the pre approval process.

CAULIFLOWER BECOMES PIZZA!

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<h2 data-start="201" data-end="239">Local Snapshot: Rates &amp; Market Data</h2>
Mortgage Rates in Tennessee / Nashville
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The average 30‑year fixed mortgage rate in Tennessee is about 6.19‑6.22%. <a class="flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!" href="https://www.bankrate.com/mortgages/mortgage-rates/tennessee/?utm_source=chatgpt.com" target="_blank" rel="noopener">Bankrate+2Mortgage News Daily+2</a>
</li>
<li data-start="405" data-end="506">
For 15‑year fixed loans, the rate is around 5.50‑5.56%. <a class="flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!" href="https://www.bankrate.com/mortgages/mortgage-rates/tennessee/?utm_source=chatgpt.com" target="_blank" rel="noopener">Bankrate+1</a>
</li>
<li data-start="507" data-end="688">
Rates fluctuate based on lender, credit scores, down payment, etc. What you see &ldquo;on paper&rdquo; may differ depending on your personal situation. <a class="flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!" href="https://www.bankrate.com/mortgages/mortgage-rates/tennessee/?utm_source=chatgpt.com" target="_blank" rel="noopener">Bankrate+1</a>
</li>
</ul>
Housing Market Trends in Nashville
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<li data-start="729" data-end="879">
Median home sale price in Nashville (all home types) is about $485,000, up ~6.6% compared to a year ago. <a class="flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!" href="https://www.redfin.com/city/13415/TN/Nashville/housing-market?utm_source=chatgpt.com" target="_blank" rel="noopener">Redfin</a>
</li>
<li data-start="880" data-end="1022">
Homes are taking longer to sell: ~ 68 days on market on average vs ~56 days this time last year. <a class="flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!" href="https://www.redfin.com/city/13415/TN/Nashville/housing-market?utm_source=chatgpt.com" target="_blank" rel="noopener">Redfin</a>
</li>
<li data-start="1023" data-end="1118">
Number of homes sold is slightly down year‑over‑year. <a class="flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!" href="https://www.redfin.com/city/13415/TN/Nashville/housing-market?utm_source=chatgpt.com" target="_blank" rel="noopener">Redfin</a>
</li>
<li data-start="1119" data-end="1264">
Some reports show increasing inventory, which gives buyers more options and can reduce seller leverage. <a class="flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!" href="https://loanpronto.com/blog/nashville-housing-market-2025/?utm_source=chatgpt.com" target="_blank" rel="noopener">Loan Pronto+2Banks Valuation+2</a>
</li>
</ul>
<hr data-start="1266" data-end="1269">
<h2 data-start="1271" data-end="1325">How the Recent Rate Drop is Shifting Things Locally</h2>
Here are the local effects of the recent drop (or easing) in interest rates in the Nashville area &mdash; both positive pressures and some ongoing challenges.
<h3 data-start="1481" data-end="1508">For Buyers in Nashville</h3>
What&rsquo;s Helping:
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<li data-start="1531" data-end="1743">
The slightly lower rates make monthly payments more affordable than when rates were pushed higher. This gives buyers more purchasing power, especially first‑time buyers or those who were previously stretched.
</li>
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With homes staying on market longer and inventory creeping up, there&rsquo;s more room to negotiate (price, contingencies, closing terms). <a class="flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!" href="https://loanpronto.com/blog/nashville-housing-market-2025/?utm_source=chatgpt.com" target="_blank" rel="noopener">Loan Pronto+1</a>
</li>
<li data-start="1919" data-end="2135">
Buyers who locked in after the peak but before the drop might explore refinancing, or some may delay purchase in anticipation of further rate softening. Those watching closely may benefit if they time things right.
</li>
</ul>
What&rsquo;s Still Tough:
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Even after the drop, rates are still relatively high compared to historic lows. That means many buyers will still feel stretched, especially given home prices in Nashville are well above what many local incomes can comfortably support. <a class="flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!" href="https://www.axios.com/local/nashville/2025/02/03/expensive-home-prices-not-affordable-nashville?utm_source=chatgpt.com" target="_blank" rel="noopener">Axios+2Redfin+2</a>
</li>
<li data-start="2440" data-end="2603">
Affordability remains a big issue: income levels in many parts of Nashville don&rsquo;t match up well with the cost of housing. <a class="flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!" href="https://www.axios.com/local/nashville/2025/02/03/expensive-home-prices-not-affordable-nashville?utm_source=chatgpt.com" target="_blank" rel="noopener">Axios+1</a>
</li>
<li data-start="2604" data-end="2784">
Down payments, broker fees, closing costs, and other carrying costs (taxes, insurance, maintenance) still matter a lot &mdash; reducing how much &ldquo;nominal rate savings&rdquo; actually help.
</li>
</ul>
<h3 data-start="2786" data-end="2814">For Sellers in Nashville</h3>
What&rsquo;s Benefiting Sellers:
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<li data-start="2848" data-end="2995">
More buyers reentering the market because of better rates means more showing activity, more buyer interest than when rates were all‑time highs.
</li>
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Sellers whose homes are well‑priced, well‑presented (staging, good photos, updates) will still find demand, especially in desirable neighborhoods.
</li>
<li data-start="3147" data-end="3289">
With inventory still not extremely high everywhere, homes that are &ldquo;move‑in ready&rdquo; or in neighborhoods people want will maintain leverage.
</li>
</ul>
What Sellers Need to Be Mindful Of:
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<li data-start="3332" data-end="3540">
Since homes are staying on the market longer, pricing expectations must be realistic. Overpricing is more likely to lead to long listings or price reduction cycles. <a class="flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!" href="https://www.redfin.com/city/13415/TN/Nashville/housing-market?utm_source=chatgpt.com" target="_blank" rel="noopener">Redfin+1</a>
</li>
<li data-start="3541" data-end="3757">
Some buyers are more sensitive now &mdash; tighter credit, higher payments, more careful about what they commit to. Sellers may need to be more flexible in negotiations (with closing dates, repairs, inspections, etc.).
</li>
<li data-start="3758" data-end="3913">
Homes that require a lot of work, or are in less desirable areas, may lag behind &mdash; they&rsquo;ll see more competition from newer or better‑maintained listings.
</li>
</ul>
<hr data-start="3915" data-end="3918">
<h2 data-start="3920" data-end="3956">What to Do If You&rsquo;re in Nashville</h2>
Here are some strategic moves you can consider, depending on whether you&rsquo;re buying or selling, given the local rate drop and market conditions.
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For Buyers:
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Get pre‑approved now. With rates somewhat better, you want to lock in when possible if your situation is right.
</li>
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Consider neighborhoods or property types slightly outside your &ldquo;dream&rdquo; area &mdash; where $/sq ft may be lower &mdash; so you get more value for each percentage point in rate savings.
</li>
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Explore adjustable‑rate mortgages (ARMs) if comfortable, depending on your timeline; sometimes ARMs offer lower initial rates (though with risk).
</li>
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Budget not just for mortgage payments, but for all related costs &mdash; taxes, insurance, maintenance &mdash; and see what your monthly payment looks like under different rate scenarios (if rates creep back up).
</li>
</ul>
</li>
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For Sellers:
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<li data-start="4792" data-end="4926">
Make sure your home shows well. With more competition, the presentation matters: staging, curb appeal, quality photos and marketing.
</li>
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Be realistic in pricing. You may get fewer multiple‑offer situations than a year or two ago, so you need to set a price that attracts attention but still leaves room for negotiation.
</li>
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Highlight financing advantages to buyers (if you know current rates, maybe show cost savings) to make your home more attractive.
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Time your listing&mdash;if you can wait for when rate drops are more widely known (or another drop comes), buyer interest may be stronger.
</li>
</ul>
</li>
</ul>
<hr data-start="5387" data-end="5390">
<h2 data-start="5392" data-end="5419">Forecast &amp; What to Watch</h2>
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Whether rates continue to ease (in response to inflation, Fed actions, etc.) will be a big driver of momentum. Even small drops can make a difference in buyer sentiment.
</li>
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Track inventory trends closely: if inventory increases sharply, sellers may lose leverage.
</li>
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Keep an eye on how income growth and cost pressures (taxes, insurance, utility costs) are behaving locally &mdash; if those rise fast, they can undercut the benefit of rate drops.
</li>
<li data-start="5868" data-end="6006">
Monitor what comparable homes are selling for (in your neighborhood) &mdash; that will tell you whether &ldquo;list‑to‑sale&rdquo; ratios are favorable.
</li>
</ul>

Local Snapshot: Rates & Market Data Mortgage Rates in Tennessee / Nashville The average 30‑year fixed mortgage rate in Tennessee is about 6.19‑6.22%. Bankrate+2Mortgage News Daily+2 For 15‑year fixed loans, the rate is around 5.50‑5.56%. 

Local Snapshot: Rates & Market Data

<img title="Keep your ears out for me" src="https://p6-prod.s3.amazonaws.com/cms/b4rC1QLSkv8agU0YW83o0HTiuGqGZ224wmPNFc6C.png" alt="Keep your ears out for me" width="538" height="746" />
&nbsp;
My electronic business card is on my home page

 
My electronic business card is on my home page

KEEP AN EAR OUT FOR ME

As the weather cools down and the leaves start to fall, it&rsquo;s the perfect time to get your home ready for winter. A little preparation now can save you from costly repairs later. Here&rsquo;s a checklist to keep your home in tip-top shape this fall:
<h3 data-start="436" data-end="452">✅ Exterior</h3>
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<li data-start="453" data-end="551">
Clean gutters and downspouts &ndash; Remove leaves and debris to prevent clogs and water damage.
</li>
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Inspect the roof &ndash; Look for missing or damaged shingles before winter storms hit.
</li>
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Seal cracks and gaps &ndash; Check around windows, doors, and the foundation for air leaks and caulk where needed.
</li>
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Check siding and paint &ndash; Touch up peeling paint and repair damaged areas to protect against moisture.
</li>
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Winterize outdoor faucets and hoses &ndash; Drain hoses and shut off exterior spigots to avoid frozen pipes.
</li>
</ul>
<h3 data-start="981" data-end="1005">✅ Yard &amp; Landscape</h3>
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<li data-start="1006" data-end="1082">
Rake leaves &ndash; Keep lawns healthy by removing heavy layers of leaves.
</li>
<li data-start="1083" data-end="1175">
Trim trees and shrubs &ndash; Cut back branches that could damage your home during storms.
</li>
<li data-start="1176" data-end="1251">
Aerate and fertilize lawn &ndash; Helps grass come back strong in spring.
</li>
<li data-start="1252" data-end="1341">
Store outdoor furniture &ndash; Protect patio furniture and grills from winter weather.
</li>
</ul>
<h3 data-start="1343" data-end="1359">✅ Interior</h3>
<ul data-start="1360" data-end="1804">
<li data-start="1360" data-end="1451">
Service the heating system &ndash; Replace filters and schedule a tune-up for efficiency.
</li>
<li data-start="1452" data-end="1555">
Check the fireplace and chimney &ndash; Have it cleaned and inspected before lighting the first fire.
</li>
<li data-start="1556" data-end="1635">
Test smoke and carbon monoxide detectors &ndash; Replace batteries if needed.
</li>
<li data-start="1636" data-end="1709">
Reverse ceiling fans &ndash; Switch to clockwise to push warm air down.
</li>
<li data-start="1710" data-end="1804">
Inspect insulation &ndash; Make sure attics, basements, and crawl spaces are well insulated.
</li>
</ul>
<h3 data-start="1806" data-end="1835">✅ Safety &amp; Preparedness</h3>
<ul data-start="1836" data-end="2100">
<li data-start="1836" data-end="1923">
Review emergency kits &ndash; Restock flashlights, batteries, and first-aid supplies.
</li>
<li data-start="1924" data-end="2003">
Check fire extinguishers &ndash; Ensure they&rsquo;re fully charged and accessible.
</li>
<li data-start="2004" data-end="2100">
Plan for snow removal &ndash; Stock up on ice melt or schedule snow removal service if needed.
</li>
</ul>

As the weather cools down and the leaves start to fall, it’s the perfect time to get your home ready for winter. A little preparation now can save you from costly repairs later. Here’s a checklist to keep your home in tip-top shape this f

Get your home ready for cooler weather with this essential fall home maintenance checklist. From cleaning gutters to servicing your heating system, these tips will help protect your home and save money this season.