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A Homebuyer’s Guide to Choosing the Right Neighborhood

by Melissa Thompson


When you are searching for a new home, location is one of the most important factors to consider.  You might love a house, but if it’s not in the right neighborhood, it may not be the right house regardless of how much it appeals to you.  So, before you start scrolling through home listings online, it’s smart to have an idea of WHERE you want to live.  Here are some things to consider when searching for the right neighborhood:

  • You may have heard this saying before: “It’s better to have the worst house in the best neighborhood than the best house in the worst neighborhood”. While nobody really wants to live in the “worst” house anywhere, there is some good logic behind this statement.  If you ever plan to sell your home, it’s value will be impacted by the surrounding homes in the neighborhood.  For that reason, you will have better resale value if you’re surrounded by homes that are similar to yours.  So, it is a good idea to research home values in the neighborhoods that appeal to you.  How to Buy the Worst House on the Best Block
     
  • How important is convenience to you?  Some people prefer living in more rural areas, but others desire close proximity to things like major interstates, shopping areas, medical facilities, and schools.  Before you start your home search it’s important to decide how much convenience matters to you.  In addition, you may want to think about the fact that having a home that is convenient to highways and such can have a positive impact on your resale value.
     
  • Are home values rising or falling in the neighborhood? If a neighborhood has home values that are climbing, that’s a positive indication that it’s a good place to buy.  However, if a neighborhood has stagnant or falling home values, it might not be the best place to look for a home.  Many things can have an impact on home values; for example, if an area is growing with new businesses, the career opportunities involved can lead to rising home values in the area. Memphis Home Prices & Values
     
  • Does the neighborhood have an HOA? (Home Owners Association)?  Some people love an HOA.  They appreciate how it protects home values by establishing rules for maintaining the appearance of the homes and neighborhood. They also enjoy perks such as a neighborhood pool and clubhouse, parks, and walking trails.  However, for other people, an HOA is a deal breaker. They don’t care for the rules and regulations (and payments) that come with it.  HOA regulations and costs vary from neighborhood to neighborhood, so it’s important to research them before you decide to live in a community with an HOA.
     
  • How are the schools rated?  Whether you have children or not, the school system is an important factor when choosing where to live. If you plan to send your children to public school, you will definitely want to live where schools are highly rated.  You may think that if you don’t have kids in school, that it doesn’t matter how the school system is rated. But that thinking is a mistake. The truth is that the rating of a school system can have a huge impact on your resale value; positive or negative. Memphis TN Public School Ratings
     
  • How safe is the neighborhood?  Safety is important to everyone. Nobody wants to live in a neighborhood that isn’t safe.  You can research crime statistics for neighborhoods online.  If you are relocating to a new state and you’re not familiar with the area, an experienced local Realtor is a great resource to help you determine what areas are safe for you and your family.

There are so many factors involved in the home buying process, but determining the right location is a decision that requires thought and research.  Once you have found the right place, then you can start searching for the right house!

If you are in the market to buy or sell a home in the Memphis area, contact professional Realtor Melissa Thompson and let her help you with all your real estate needs! Give her a call today at 901-729-9526!

Photo Credit: memphisrap.com

Starting a Home Search? Answer These Questions First!

by Melissa Thompson


The decision to purchase your first home is not one that should be made lightly.  It is an important, life-changing decision that should be given serious consideration.  So, before you take the plunge into searching for the perfect home, here are some questions you should ask yourself to make sure that you are ready:

  • Can I afford a home?  The first step is to determine if you can afford to buy a home based on your current financial situation. Using a home-affordability calculator will help you figure out how much you can afford by plugging in your income, debt and the amount of a down payment you will be able to make.   You will now have a number for the highest amount you can afford and what the monthly payment will be. How Much House Can I Afford?
     
  • Is it better for me to rent or buy?  The answer to this question depends upon what kind of market you are in because inventory can make a huge difference. Using a rent vs. buy calculator will allow you to crunch the numbers. You can enter the current amount of rent you’re paying (or how much you would be able to pay) and the zip code where you want to live. The calculator will provide a comparison of the cost of buying a home versus renting in that area.  You will also be able to see which option is more cost effective over time. Rent vs. Buy Calculator
     
  • How long will I live here?  If you plan to stay in a home for a long time, it is generally better to buy versus rent. If you’re going to be living somewhere for a short term, renting might be the better option.  The reason is that when you buy a home you will likely have to pay closing costs which can total in the thousands of dollars.  In addition, most of your early mortgage payments go toward interest rather than paying down the principal, which is the actual amount you owe on the home.  A good rule of thumb is that home buyers should stay put for at least five years.  Otherwise, renting is the better option.
     
  • Are you saving for retirement?  Retirement may seem a long way off to young home-buyers, but it is important to start saving early.  It’s not a good idea to neglect your retirement accounts in order to “save” money to put down on a house.   Consider meeting with a financial counselor who can help you find a balance in saving for retirement and saving for your first home at the same time.
     
  • Am I ready for the responsibility?  Owning a home is a huge responsibility.  With rentals, you can call your landlord to fix things that aren’t working in the home, but as an owner, it all comes down to you.  You need to be sure that you have the time, willingness and resources to keep up with home and yard maintenance.

If you are ready to start your home search in the Memphis area, contact professional Realtor Melissa Thompson and let her help you with all your real estate needs! Give her a call today at 901-729-9526!

Photo Credit: denverpost.com

How to Ease Your Hunt for an Accessible Home

by Melissa Thompson


House hunting can be a stressful or exhilarating experience, depending on how it’s handled. If you’re unprepared, however, you may struggle to find what you need, especially if you require an accessible home. Thankfully, you can take steps to make your search much easier.

Before You Begin

The first thing to do during this adventure is to look at your town and see how much the average home costs, and what listing prices look like. By doing so, you are not only better informed about how much you should offer but what price range to expect for your budget. For example, the median listing price for homes in Memphis sits at around $149,900. This figure will vary by neighborhood, but you can use it as a jumping-off point.

Also, if the appraised price of a home does not match the market value, you might have room to argue for a new price that is more in line with average rates. Similarly, look at what you can haggle over with the owner to sweeten your purchase, such as closing costs, home warranty, or any possible updates you would like completed.

Bathroom Features

Unfortunately, many houses aren’t made with accessibility in mind. Given that, you may have to make the alterations you require, so look for properties that allow modification. Sadly, if you have your eye on an older home, you may have to deal with certain obstacles, particularly in bathrooms. For instance, tearing into a wall to add a zero-entry shower, pedestal sink, or even installing grab bars and new flooring could release VOCs and asbestos. So, it’s best to look for homes on the newer side, as well as those with enough space to be changed or expanded.

Kitchen Amenities

Kitchen remodels can run into the thousands of dollars, so it can save you a pretty penny if you can find one that already has some degree of accessibility. According to Kitchen Magic, these features might include lowered cabinets and countertops, as well as open spaces to allow mobility. However, not every modification has to be an expense, or require a remodel, as small changes can make cooking easier and safer. Specifically, if there is space, you could bring in a short table to allow food prep to be done without danger or strain. Similarly, touch can-openers, lap cutting boards, and more can also help you cook in peace.

Hall and Walkway Dimensions

There is nothing worse than not feeling mobile in your own home. To ensure that you can maneuver freely, you’ll want to be certain both the halls and doorways are wide enough to meet your needs. On average, a wheelchair requires 36 inches to safely and easily pass through. Yet, for absolute safety, it's best to look for homes with 48-inch doorways and walking paths to accommodate a wheelchair and another person simultaneously. After all, no one should feel trapped or frustrated when moving through the place that is meant to offer shelter and peace.

Mobility Concerns

With mobility in mind, you’ll want to consider the entryways and stairs of a potential property. While it's possible to find no-step entries, to make coming and going safer, don’t despair if you can’t. In fact, it doesn’t take long or cost too much to have a ramp custom built for your house. Moreover, you needn’t look only at ranch-style properties to find something that you can work with since navigation can be simplified with just a stairlift. With top of the line models costing between $3,000 to $4,500, all you need is a little wiggle room in your budget.

The best way to arm yourself when looking for a home is to know what you need. By understanding your local housing market, knowing the median listing price of homes in your preferred area, and the dimensions you’ll want from a property, you can ease your journey. After all, this should be an exciting time, not something that causes undue stress.

By: Patrick Young Ableusa.info
Image courtesy of Pixabay

Keep These Items When Downsizing

by Melissa Thompson


Getting organized to move is an arduous task. When you are downsizing to a smaller home, you will hear a lot about getting rid of stuff.  It makes sense to get rid of a lot of unused belongings when you are getting ready to pack and move, especially if you are downsizing.  But it’s important not to go overboard! There are some things that are worth keeping. In fact, there are some things you should never throw away, even when downsizing:

  1. Important Papers

You should let go of as much paper as you can before moving, but be careful that you don’t thrown away important documents.Hang on to the following: birth and death certificates, marriage licenses, divorce decrees, social security cards, retirement documents, medical records, insurance policies, passports, wills, trusts, power of attorney documents, property deeds, investment records, education records, diplomas, military service records and vehicle titles. 8 Ways to Organize All of Your Most Important Paperwork

  1. Collections

If you collect something, clearly it has significance to you. Maybe you just like it, or maybe it has sentimental value.Either way, you should definitely take your collection with you and make room for it in your own home.Now, if you have several collections, you might have to pick your favorites and leave some behind.But downsizing doesn’t mean having to let go of the things that mean the most to you.

  1. Family Heirlooms

Sometimes you inherit things that you feel you must keep just because they were passed down to you from family, but you don’t really like them. You keep them packed in a box and don’t use or display them.There is no point in moving these to your new home. However, family heirlooms that you love should make the cut.Downsizing gives you the opportunity to take stock in your family heirlooms and decide what is worth keeping and what can be sold or given away.Take the items that you enjoy and that are meaningful to you…leave the rest.

  1. Electronics

Unless you have the time to make sure that all your electronics have been completely cleared of personal information, you should take them with you.The last thing you want is to give away, sell, or dispose of electronic devices that still carry your personal information. How to Get Personal Data Off Your Devices

  1. Photographs

When you are in the midst of packing for a move and you are exhausted and overwhelmed, you might start throwing away things that seem unimportant at the moment…but you may regret it later.Take all your photographs with you.If you have time, save space by getting them digitized using a company like Legacy Box, but don’t throw them away!

  1. Landline Phones

Many people rely solely on cell phones these days.But you never know when you might misplace your mobile phone, run out of battery or lose service.Keep at least one land line for emergencies. 7 Reasons to Keep Your Landline

  1. Sentimental Items

This may seem like a given.Of course you won’t leave any sentimental items behind.But sometimes it’s difficult to decide what holds deep sentimental value to you, especially when you are overwhelmed by the sheer amount of belongings you have to move and fit into your new, smaller home.Don’t let downsizing make you feel like you must get rid of the things that mean most to you.Choose the ones that mean the most and bring them along!

Are you looking to downsize? If so, professional Realtor Melissa Thompson can help you sell your current home and find a new home to better suit your needs. Give her a call today at 901-729-9526!

Photo Credit: debt.org

Mortgage Timeline 101

by Melissa Thompson


Buying your first home, while exciting, is also likely to be the biggest and most complex purchase you will have made up to this point in your life.  But there is no need to let yourself get overwhelmed. Take the time to educate yourself about the process and it will be a lot less stressful.  Let’s start with your mortgage loan.  If you have never acquired one before, you may not realize that from start to finish, it can take from about three to five months to complete the process.  Let’s take a look at the approximate timeline for a mortgage:

  1. FIGURING OUT WHAT YOU CAN AFFORD (TWO WEEKS)

This is the time when you will determine the type of mortgage you will apply for, find out what your credit rating is, and figure out how much you can afford for a monthly payment.While it can probably be done pretty quickly, give yourself about a week so that you can take your time.The second week will be for getting your pre-approval letter. 18 Ways to Check Your Credit Score for Absolutely Free

  1. START YOUR HOME SEARCH/FIND YOUR HOME/MAKE AN OFFER (THREE TO EIGHT WEEKS)

Now, the fun begins! Once you have procured a preapproval, you can start looking for the right home for you and your family. Depending on the market and availability of homes that fall in your price range and appeal to you, this step can go pretty quickly, or it can take a while.Once you’ve found the right home, your Realtor will help you come up with an offer and will submit it to the seller’s agent. Avoid these Seven Mistakes When Making an Offer onHouse

  1. FIND A MORTGAGE LENDER/GET HOME INSPECTION & APPRAISAL (FIVE TO SIX WEEKS)

Once the seller has accepted your offer, it’s time to finalize your mortgage offers and get loan estimates. It’s smart to get rate quotes from at least three lenders so you can compare and find the best one for you. This may take about a week and the appraisal may take three to four weeks. Before you close on your home you need to order a home inspection to ascertain the condition of the home.Your lender will also schedule a home appraisal to confirm the home’s value. The Home Appraisal Process

  1. COMPLETION OF MORTGAGE OVERWRITING AND CLOSING (TWO TO FOUR WEEKS)

If all goes well with the inspection and the appraisal is complete, you are ready to proceed.The mortgage lender will verify your income, assets, debt, and home value details.When all has been cleared to close, you will receive a closing disclosure which will sum up the terms of your loan and what you will owe at closing.You will be given at least three days to review it.Once you’ve determined that everything is as it should be, you are ready to close on your new home! What You Should Expect When Closing on a House

If you are in the market to buy or sell a home in the Memphis area, contact professional Realtor Melissa Thompson and let her help you with all your real estate needs! Give her a call today at 901-729-9526!

Be Prepared to Pay Closing Costs

by Melissa Thompson


When you make an offer on a home and it gets accepted, you have every reason to be excited. Becoming a homeowner is making an investment in your own future; likely the largest financial investment you will make.  However, it is prudent to be aware that there are other costs involved in purchasing a home other than your down payment and monthly mortgage payments.

Closing costs are an expense you may not be aware of if you are a first-time homebuyer.  These costs must be paid prior to closing on the home. They include property taxes, homeowner’s insurance, title search fees, and appraisal fees.  In addition, the closing costs provide the funds that pay the people who have performed services throughout the loan process, like the appraiser and your real estate agent.

Your closing costs will be itemized for you and provided at your closing. But it’s important that you look over them closely and take the time to ask any questions you may have before you sign any documents.  If there is something you don’t understand, your mortgage banker or Realtor can explain it to you.

The homebuyer can negotiate with the seller to determine who will cover the closing costs, but every loan has different guidelines about how much a seller can pay.  Your mortgage banker can provide you with your options. How to Negotiate Who Pays Closing Costs

Whether you end up paying for all or just some of your closing costs, it’s crucial for you to include the amount you will have to pay into your budget.  You can estimate the cost by calculating 2% to 6% of your purchase price.  For example, if your loan is $200,000, your closing costs will range anywhere from $4,000 to $12,000.  You will also receive a document from your mortgage banker after you apply for your loan that will list the anticipated closing costs.  They may change a little during the process, but it will give you a good idea of what to expect.

So, while saving for a down payment is an obvious necessity, you may want to also set aside some cash each month to go toward other expenses associated with buying a new home. What it Really Costs to Buy a Home

If you are in the market to buy or sell a home in the Memphis area, contact professional Realtor Melissa Thompson and let her help you with all your real estate needs! Give her a call today at 901-729-9526!

Photo Credit: huffpost.com


Now that you know The Perks of Living in an Active Adult Community, the question is, when is the best time to move into one?  The answer is…NOW!  If you are at least 55, there is no reason to wait. In fact, if you do put off your move, you may end up regretting it.  Consider these reasons for moving to and active retirement community sooner than later:

  • The older you get, the harder it will be to move. Despite how much you work to stay in good physical shape, you can’t fight aging.  If you think packing and moving would be exhausting now, then try to imagine what it might be like in your 60s or 70s. 
     

  • Timing is everything.  Just because you start the process of selling your home and finding the perfect 55+ community to move to, doesn’t mean it’s going to happen right away.  It might take a long time to organize your current home and get it ready to sell.  It also might take a significant amount of time to research 55+ communities to find the right one for you.  55+ Communities in Memphis Area
     
  • You might miss out if you wait.  There is going to be a "Silver Tsunami" of baby boomers that will be ready to downsize and move to these communities and if you wait, you might find that desirable 55+ communities are full.  In addition, there is a current shortage of homes for sale in traditional communities and demand for them is still high. So, now is the time to sell while the market is in your favor!
     
  • It simply makes sense to be prepared for “senior living”.  Unplanned medical issues might make living in your current multi-level home a big problem. Don’t wait for that to happen. Find an active retirement community featuring one level living now and you won’t have to worry about renovating your current home to accommodate your future needs.
     
  • Start building your social network now.  There is no place better than a 55+ community to make new friends.  But it won’t happen overnight.  Starting now will give you the opportunity to build a network of friends that will be there for years to come.
     
  • You will likely be more active!  Some people think of retirement communities as places you go to slow down.  But 55+ communities offer so many activities and amenities that slowing down will only happen if that is what you want.  It will be so easy for you to participate in fun activities that you will likely do more than you are doing now to stay busy!
     
  • Save money on home maintenance.  If you’re currently living in an older home, chances are you have been shelling out your hard-earned money for lots of maintenance and repairs.  Imagine moving to a new home that is more energy efficient, has new appliances and will require less upkeep. That leaves more time and money for all those fun activities that will keep you younger longer!

55+ communities offer so much that will make your life better and more fun. Why wait to enjoy the benefits? Start looking now and find the community and home that is right for you!

If you have recently become an “empty nester” and you or your partner are 55 or older, an active adult community might be just the place for you to start fresh. Melissa Thompson is an experienced, professional Realtor who can help you get the best price possible on the sale of your current home so that you can join in the fun of living in a 55+ community!  Give her a call today at 901-729-9526!

Photo Credit: rd.com

The Perks of Living in an Active Adult Community

by Melissa Thompson


When confronted with the term “retirement community”, many people think of nursing homes or assisted living facilities. But today’s active adult communities are nothing like the ones of the past.  These age-restricted communities are built for independent living older adults (usually age 55 and over) who are ready to downsize and live a more maintenance-free lifestyle.  Whether you have retired, been widowed, or simply find your current home too large to manage, an active adult community may be the perfect place for you to start a new chapter in your life.  Here are some perks of living in a 55+ community:

  • ACTIVE LIFESTYLE
    If you want to maintain an active lifestyle, then a 55+ community is the place for you!  There are a plethora of ways to stay active with workout facilities, pools, and handicapped accessible walking trails; and fun activities such as cooking classes, shuffleboard, and organized field trips.  And staying active doesn’t just mean strenuous physical activity.  Being social is an important part of maintaining an active lifestyle too.  Lots of these communities offer opportunities to socialize with things like book clubs, classes, bingo, charity work & service projects, coffee groups, and movie nights.  Staying active is so important to physical health and there are specific health benefits associated with being active and social in later years.  These benefits include: reduced risk of cardiovascular problems, increased longevity, reduced risk of stroke, stronger immune system, less risk of Alzheimer’s disease, lower blood pressure and better overall mental health. The Top 5 Reasons Seniors Should Stay Socially Active

     
  • SENSE OF COMMUNITY
    We’re using that word a lot, but community is what it’s all about! The sense of community felt among residents of a 55+ neighborhood is one of the main differences in living there versus a typical residential neighborhood.  This can have a huge impact on a person’s sense of well-being and quality of life. Neighbors in these communities are in the same stage of life and often share similar desires and goals.  They become a kind of “family” who look out for each other and take care of each other in times of need.

     
  • MAINTENANCE FREE LIVING
    Many 55+ communities offer maintenance-free living. What does that mean?  Well, it can vary, but it usually includes all exterior building maintenance including streets, sidewalks, roofs and driveways.  In addition, staff will typically: take care of weeds, fertilize lawns, blow clippings off sidewalks and driveways, spread mulch, edge the lawn along walkways and driveways, change hard to reach light bulbs, and make interior repairs on major appliances and exterior repairs to roofing, downspouts and more. 

     
  • RETIREMENT LIVING BEFORE YOU RETIRE
    You do not have to retire from your job to live in a 55+ community.  They are often referred to as “retirement” communities, but in truth the only restrictions for residents are age and income.  You can keep your job and still enjoy the benefits that will allow you so much more free time for fun and travel.

     
  • FEELING SAFE & SECURE
    Many active adult communities are gated and only allow residents and their guests to be admitted onto the property. Some will also have security staff on-site for residents’ protection.  Security may also include: lighted parking lots, sidewalks, streets, and common areas, working fire alarms and smoke detectors, emergency evacuation maps posted, and clearly marked exit doors.

     
  • DOWNSIZING BECAUSE YOU WANT TO, NOT BECAUSE YOU HAVE TO
    Downsizing on your own terms is so much better than the stress that comes with having to move due to an illness or injury. Moving while still healthy and active is an easier process and allows you to take your time and make thoughtful choices.  Selling your home is also less emotional and overwhelming when it is your choice and not something you are being forced to do.  Choosing to move into a 55+ community while you are still healthy and active allows you to be in control of your own future and how you want to spend your time and money. Downsizing Your Home: 3 Money Benefits

If you have recently become an “empty nester” and you or your partner are 55 or older, an active adult community might be just the place for you to start fresh. Melissa Thompson is an experienced, professional Realtor who can help you get the best price possible on the sale of your current home so that you can join in the fun of living in a 55+ community! Give her a call today at 901-729-9526!

Photo Credit: go4life.nia.nih.gov

Buying New Construction in a 55+ Active Adult Community

by Melissa Thompson


While the real estate market in general is starting to cool off, demand for homes in “retirement” communities is continuing to rise.  High prices, decreasing inventory, long waiting lists, and buyer lotteries are all signs that homes in these communities are very popular with the 55+ crowd.  And ever since the Baby Boom Generation started hitting retirement age a few years ago, the number of buyers in this age range has grown and will continue to do so over the next decade at which point the number of retiree households will grow by about 10 million.

What this means for people looking to buy a home in a 55+ active adult community is that there may be a shortage of homes available.  Some builders are even resorting to holding lotteries when they can’t keep up with buyer demand. Instead of bidding wars, they simply choose names out of a hat and if your name isn’t chosen, well, you are out of luck.

This may not sound like good news to you if you are thinking of buying your “retirement” home soon.  But because of demand, there are new communities popping up everywhere.  And one key to successfully purchasing new construction in one of these communities is to have a professional Realtor on your side. While new construction sites have Realtors to show you the community and home models, it’s important to remember who that Realtor is working for.  He or she represents the builder, not the buyer. Many people think that they will get a better deal or save money if they simply use the builder’s Realtor, but the truth is that the builder pays the commission for the buyer’s agent.  So, having an experienced, professional Realtor on your side not only doesn’t cost you anything, it might save you money in the long run when your Realtor negotiates a better deal for you!

There is still another reason why it will benefit you to have your own Realtor when buying new construction. If you’ve never purchased new construction before, you may not realize how many steps are involved.  It is a long process and it’s important to have someone representing your interests along the way, especially if you are relocating from another state and can’t be there for the building process.  Once you have chosen your home and been approved for a mortgage, it may be several months before the home is completed, inspected and ready for move-in.  Your Realtor will be there every step of the way, making sure all the work is done properly and everything is in order for the closing. 

If you are thinking about purchasing a home in a 55+ Active Adult Community in the Memphis area, let the professionals at Your Key to Memphis assist you in finding the right community and building the perfect home to meet all your needs and desires! Call and speak with someone from the Melissa Thompson Team today to get started! 901-756-8900

How to Find a Dog Friendly Neighborhood

by Melissa Thompson


When beginning your home search, you want to be sure to look in neighborhoods that are a good fit for everyone in the family, including your dog. You will likely be looking for a nice yard, but it’s important to look beyond the property line. The type of neighborhood you end up in can make a huge difference in the quality of life for you and your fur babies. Here are a few signs that you have found a dog friendly environment:

  • - There are more groomers in a two-mile radius than hair salons…walk-in appointments welcome!
  • - Restaurants and shops have water bowls and treats for visiting pups.
  • - Pet waste stations are abundant.
  • - The local dog park is always busy with happy pooches frolicking with friends.

Here are some more serious things to think about when considering the home and neighborhood that will work best for you and your pups:

  • NEIGHBORS WITH DOGS.  They will be more understanding if your dog occasionally barks and are more likely to be helpful should you need someone to let your dog out or walk them while you are away from the house.
     
  • PET SHOPS. Areas with a lot of pets mean that there will be pet shops conveniently available.
     
  • SIDEWALKS. A neighborhood with sidewalks is ideal for dog-walking.  Bonus point if they have waste stations too.
     
  • DOG PARKS. These are especially nice for urban areas. Check if there are off-leash hours or dog runs, or at least grassy areas where pups can run and play.
     
  • MEET-UP GROUPS. Check and see if there are local meet-up groups available for playdates with other families with dogs. This is a great way for you to make friends as well!

If you are in the market to buy or sell a home in the Memphis area, contact professional Realtor, Melissa Thompson, and let her help you with all your real estate needs! Give her a call at 901-729-9526 today!

Photo Credit: thespruce.com

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