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First Time Home Buyers Express Appreciation
"My husband and I were house hunting and were having trouble finding exactly what we wanted..."
Mr. and Mrs. Harris, Arlington, Tennessee
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Find Out About the Latest Memphis, Collierville, Germantown, Arlington, Lakeland, Eads, Cordova, Bartlett and Millington Tennessee Homes for Sale Before Anyone Else! I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the Memphis, Collierville, Germantown and other surrounding areas MLS, and even later on the national listings web sites, if at all. By signing up to receive my latest listings, I'll send you an email notice instantly -- as soon as my latest homes for sale go online. You'll find out first, before other Memphis, Collierville, Germantown and other surrounding area buyers. There is absolutely no obligation, and this service is free of charge. Don't miss out! Get an email as soon as my new properties come on the market in Memphis, Collierville, Germantown and other surrounding areas such as Arlington, Lakeland, Eads, Cordova, Bartlett and Millington! There's no obligation, and you can stop my emails with one click. Just fill out this form to get started... 
First Time Buyers >The Real Bottom Line
An important part of buying a house is sitting down with your real estate agent or a mortgage lender to get a clear idea of how much you can afford. They will add up all of your monthly expenses, the mortgage payment, insurance, real estate taxes, homeowners or condo association fees--and the grand total can throw you into shock!
The important thing to remember is that the grand total isn't really the bottom line. When you add your tax savings to the equation, you may be pleasantly surprised. During the early years of your loan, almost all of the mortgage can be deducted from your state and federal income tax. The same is true of your real estate taxes. If you use part of your house as a home office, you may be able to qualify for additional tax savings. In some areas, homes with ground floor apartments are popular for offsetting part of the mortgage and offering even more tax savings.
When you make calculations about the monthly costs that include the tax savings, you may find that owning your own home is less expensive than renting a house or apartment of comparable size.
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| Q |
From 1974 to 1996, what was the world's tallest habitable building?
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| A |
The Sears Towers, headquarters for Sears, Roebuck & Co., with 110 stories and 1,454 feet high. |
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Melissa Hayes
Crye-Leike Realtors
6525 Quail Hollow Road
Memphis, TN 38120
Tel: 901-756-8900
Direct: 901-230-2610
Fax: 901-435-0620
Email: melissa@melissahayes.com
Whether you are selling or buying a home, I am here to meet all of your real-estate needs. You can benefit from the experience I have gained while handling over 1,000 successful home closings. My ability to offer both dramatic results and happy clients is due to an unparallel level of service, state-of-the-art marketing techniques, impeccable professionalism, invaluable internet presence, and absolute commitment of excellence.
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