If you are struggling to make your mortgage payments,if you can't take advantage of lower interest rates because your home has dropped in value,you may be elligible for the Making Home Affordable Program. Visit the U.S. government's "Making Home Affordable.gov" Web site. The sooner you act,the better! Do not fall for scams,since there are plenty out there,which will take your money! If you are not sure about what to do - You can always call a real estate company designated with a logo " R ", to make sure you are on the "right track".  03/12/2010

Moving to the Atoka, Munford or Brighton area?  I have lived in the area for over 13 years and prior to gaining my real estate license, I traveled in Tipton, Fayette, Lauderdale, Shelby and Hardeman counties in TN promoting a local college.  Therefore, I know all these areas extremely well, and I know each and every school system like the back of my hand.  If you have questions regarding the area or the local school systems, please drop me a line.  I'd be happy to help. I am a full-time agent working primarily in Tipton county, Fayette county or Shelby county.  I have helped many buyers find a great home and countless sellers get top dollar for their home. Contact me at mitchell.deb@hotmail.com to receive a free relocation guide for the area.  You'll be glad you did!  It's a nice quiet ... 03/01/2009

Okay not only am I a realestate agent in the area but I also live in Munford, Tn. so I felt this was a great honor. Especially since I'm sure there's people out there who read business week going----Where in the world is Munford, Tn.? Here's the link..................... Check out the article that came out February 19, 2009 at http://finance.yahoo.com/real-estate/article/106608/Best-Affordable-Suburbs-2009 02/21/2009

The Lost of Art of Driving   I love to drive.  Heading down the highway at a nice rate of speed is exhilarating.  Even puttering around town just doing mundane tasks is fun if you love your car.  Feeling the wind whip through my air and having the command of the machine in the palm of my hands gives me a sense of power than can be equaled by few other things in life.  It is the sheer pleasure of driving.  Had I been born a man, I dare say I might have become a truck driver not to say that woman can't do the job, but just to say that at the time I was growing up and careers were chosen truck driver was not a choice for women.   After watching a string of traffic pass me this morning, I realize that people are losing the "art of driving."  They are turning the pure passion of driving into... 12/29/2008

$214,900-457 Reed Circle- Located Just Minutes from Hwy. 51 between Millington and Atoka, TN.  Apprx. 2900 sq. feet. Inside has lots of upgrades from new marble-tiled master bath to solid oak cabinets in the kitchen.  Lovely mature trees on 2.5 acres. Backyard is fenced for small animals and there is another area beyond the backyard with fruit trees and muscadine vines.  Plenty of room for that garden you've always wanted. Massive deck and covered patio round out the entertainment value of this home.  Oversized garage is heated and cooled for those antique automobile buffs. A super short drive to Millington NAS and only 30 minutes to downtown Memphis. 3 bed/2.5 bath with huge bonus/rec room with cypress siding and slate flooring.  All the rooms are huge. Contact Debbie Mitchell 901-355... 06/05/2008

The media is constantly spouting the "downturned" housing market and how bad things are.  I am sure some areas are worse than others.  My market is not totally downturned but it has definitely slowed. A downturned market really depends on which side of the fence one is standing.  From a sellers standpoint, if you price your home competitively, stage the home, remove the clutter and make repairs prior to putting the home on the market, you should have little to worry about.  However, if you decide to sell on the spur of the moment, don't do your homework and don't have your home in top-notch condition before putting it on the market, you may find yourself with that sign in the yard for quite sometime.From a buyer's standpoint, this is a great time to buy.  Inventory is high, sellers and ... 10/17/2007

As Realtors, we sometimes forget just how unknowledgeable first-time homebuyers are in the entire process.  I recently helped a young couple in their early 20's purchase their first home.  We have to treat these clients like they know nothing and explain, explain, explain.  The lack of knowledge has nothing to do with their intellect but it has to do with lack of experience in the field of purchasing a home.  It is our job as Realtors to take up the slack and hold their hand through the process.They came to me because they said I was the only agent that took the time to explain things to them and not make them feel stupid when they asked questions.  We have all seen it.  A prospective customer asks an agent a question and you hear them laugh before answering the question or you see them... 10/17/2007

Are you being uprooted and being moved by the military to Millington NAS?  If so, I would like to invite you to visit my website for information on the Tipton county area.  Tipton county is a short ten-minute drive on a four-lane divided highway from Millington NAS.  Why would you want to live in Tipton county instead of Shelby county?  There are several reasons:1.  Tax rates are less expensive.  You can afford a nicer home for the same payment amount.2.  You get more for your money.  As a rule, properties in Tipton county are cheaper than their counterparts in nice neighborhoods in Shelby county.3.  Great schools.  Tipton county has award winning schools in Brighton and Munford.4.  Low crime rate.  Tipton county has a much lower crime rate than Shelby county.5.  Building codes.  Tipton... 09/19/2007

Since yesterday I have obtained 5 new clients.  I work very hard to help each and every one on their scores to help them become a homeowner.  Out of the 5 I had 2 that were immediately approved.  Through my conversation with the other three, we can work a few months and increase their scores enough to get an approval.  The problem I have is none of these clients have any idea how to stay on top of their credit and keep it.  Yeah they know to pay their bills but there is more to it than that.  One client has an 18 year old graduating soon and he brought home an application from school for a credit card.  Hey did they teach him anything about credit before he received the application.  Well I think not.  I think one thing a Loan Officer and lets go a little further and add a Real Estate A... 07/17/2007

If your not buying in this market you are crazy. Why? Well a local builder has way to many houses on the market and he and the banks have worked together to drastically reduce his homes. If your in the buying range of the 200's theres alot of good deals out there right now. The weird thing about the Munford market is their aren't a whole lot of in between prices out there. Theirs smaller homes in the 120-130 range and bigger homes in the 200-and up market. Their are some in betweens but not a whole lot of them. The homes in the Munford area seem to be moving pretty good but its still slower than it was this time last year. But don't delay too long, the spring market is here and the activity out there has greatly increased in the last week. The best time to buy is now. The market could t... 05/20/2007

Well the housing market has been rather slow the last six months but I think that is about to change. Even with the increase of activity greatly in the last week we are still in a buyers market. What does that mean to our area? Mainly the fact that the buyers have way to many houses to choose from. Are sellers willing to take a little less---most definetly but not as little as people think that come out of different areas. People need to keep in mind that our home prices are already alot lower than other parts of the country. So our houses didn't balloon like places such as California and Flordia did. Our homes went up and price as far as the cost of material, cost of lot cost, and labor wages increased. Most of the builders in Atoka will tell you their paychecks did not go up. So yes t... 05/20/2007

I would say our market here is a roller coaster ride. One minute it seems it's going up and you reach that peak and then plummet to the bottom just to start climbing again. Hopefully summer around the corner things will even out a little bit. I've been fighting this is a buyers market slogan for awhile now because people think they can go crazy with their offers and thats just not the case in our area. Yes, its a buyers market and there's lots to choose from but theirs not as much profit in our homes. Home prices go up about 5% per year, so theres only so much a seller can come off of the house. Same with builders theres just not 50-100,000.00 profit in them to come off of. But yes, this year people will come off a few extra 1000 to move their home. So it has become a buyers market. Esp... 05/06/2007

Well I'd love to say we've been tearing it up in Tipton County but unfortunately that is not the case. The smaller homes are moving okay but the 200 and up range is at a turtle pace. I'm sure alot of this has to do with the time of year. We all get scared this time of year  because just like everyone else we hear about the bubble bursting. And that might be true for areas like California, Florida, etc. but our homes are very cheap compared to those areas. A $200,000.00 home in our area will get you a brand new, solid brick home with about 2000 square feet and a 2 car garage on .35 of an acre and up. Our builders are not making the money people think they are. I work for 5 local builders and if they profit 10-15,000.00 on a home they are happy. The profit margin is not even 10% in this a... 02/27/2007

We are well into the new year.  Business is picking up and I am loving it.  Helping families find their dream is one of the greatest feelings.  I am currently working with 4 families that are first time home buyers.  I have found my niche as a Buyers Agent.  Like my logo says. Let a PRINCE help you find your CASTLE, I also treat my customers like they are KINGS!  Visit my website for more information.  www.carmenprince.com 02/12/2007