Nashville Neighborhoods

Here is Sharon’s perspective on many of the various greater Nashville neighborhoods. But do recognize that your mileage may vary!

12th South
If, in the course of a single afternoon, you need a sparkly sequin-encrusted ballgown (or suit), a yoga lesson, a yummy cheeseburger and a hibiscus popsicle, 12th South is the neighborhood for you! All of these offerings (and tons more) can be found with a few blocks walk in 12th South. Because of the proximity to Belmont, Music Row, and Vanderbilt, 12th South homes are among the most popular residences in all of Nashville. Add to that the gorgeous Sevier Park with its weekly farmers markets and its new community center, and you have a neighborhood where everybody wants to live.

Downtown /The Gulch
Living downtown means that you must embrace the all the happenings of Music City: not only the music, but also the pedestrian and vehicle traffic lured to the Bridgestone Arena, Music City Center, the Ryman, LP Field, and the 60+ bars and restaurants. Enjoy neon lights, souvenir shops, people both on task and those who are simply wandering around, including tourists who may have imbibed a drink or two? If that kind of energy excites you, living downtown will be a dream. Downtown: Ambrose Lofts, Art Avenue Lofts, Bennie Dillon Bldg., Church Street Lofts, the Cumberland, Kress Lofts, Viridian.

The Gulch attracts young adults who wish to reside right in the heart of active Nashville. The Gulch is just a bit south of downtown Nashville but it has a seriously trendy vibe. There’s plenty of shopping and entertainment, different, and non-run-of-the-mill dining options: 25+ bars and restaurants, a grocery store, a bike sharing spot, and workout places. The Gulch is the first neighborhood in the South to receive “LEED for Neighborhood Development” certification from the United States Green Building Council. Gulch: Laurel House, Mercury View Lofts, Pine Street Lofts, the Icon, Terrazzo, Velocity, Twelve Twelve.

Belle Meade
Drive south on West End and turn left at the bronze horse statues. You’ll be within a small, 3-square mile area that contains some of the priciest homes in all of Tennessee. Its 3,000 residents have a per capita income that’s among the highest in the nation. Former residents include Al & Tipper Gore, Taylor Swift, and the former Postmaster General of the U.S. Belle Meade is part of Metropolitan Government, but they retain their own independent status, with their own Police Department and mayor. Enjoy visiting the Belle Meade mansion there, Percy Warner Park, or the fabulous Cheekwood botanical gardens. And if you live in Belle Meade, we certainly encourage you to join the Belle Meade Country Club so you can enjoy their 18-hole golf course, which originally opened in 1901 and was completely redesigned in 2004.

Vanderbilt/Belmont/Hillsboro
Middle Tennessee is home to 14 colleges and universities, but among the most famous are Vanderbilt and Belmont, located within a healthy walking distance of each other. Speaking of healthy, Vanderbilt’s Medical Center, and its first-rate Monroe Carell Jr. Children’s Hospital, both sit at the top of the “We’re Proud of Nashville” list. Belmont faces, and is steps away from, Music Row, and they are also known for having hosted the Presidential debates. With these two powerhouse institutions, you shouldn’t be surprised to know that housing in the Vanderbilt/ Belmont/ Hillsboro Road area is scarce and pricey. If you don’t mind getting a little further away, check out the Edgehill community that covers about four blocks bordered by Edgehill Avenue. Don’t live in Nashville without regular visits to Pancake Pantry in Hillsboro Village. And you continue down 21st/Hillsboro Rd., you’ll then enter Green Hills. These areas are Nashville at its best!

East Nashville
Can you say eclectic? East Nashville is that, for sure. Cross the Cumberland River and within a few blocks of one another, you’ll find 1930s homes that have been gentrified to sleek contemporary residences and other homes that are badly in need of some tender loving care and a new paint job. You’ll find a slate of young musicians and songwriters in East Nash, and many others who couldn’t possibly tell you what a “tweet” is. If you’re looking for great food, there’s a cool new restaurant or bar on virtually every corner – and next month, expect something new to pop up somewhere. East Nashville has limitless energy and a great sense of community. Ready to join the party? Let us know in advance, because East Nash homes fly off the market!

Germantown/Salemtown
Just north of downtown, residents of Germantown/ Salemtown are understandably proud of their neighborhood features, including Farmers Market, the Bicentennial Mall, a direct line of sight to the Capitol, and the just-completed new Nashville Sounds baseball stadium. With most of the buildings and homes originally erected in the 1830s-1860s, by 1970 or so, many structures were condemned. Hence, over the past 15 years, Germantown has sprung back to life. It boasts a diverse collection of residents with lots of high-rise lofts, apartments, and condos. Werthan Lofts, for instance, used to be a bag factory. If you want tall, new, modern, trendy, consider Germantown. And there are plenty of niche restaurants to visit (Red Bicycle Coffee and Crepes, for one)!

West End/Nashville West
The piece de resistance of West End is Centennial Park, and no visit to Nashville is complete without an afternoon spent there. Centennial Park is filled with dog walkers, Frisbee players, kite flyers, crafts fairs, and those who simply enjoy the fresh outdoors. There are places to live within walking distance to Centennial Park, but most folks will choose a place down Murphy Road, Charlotte Avenue, or White Bridge Road, three streets (with their off-shoots) that comprise a high percentage of Nashville dwellers. Keep headed out Charlotte and you’ll arrive at Nashville West, a recently-developed shopping mall that has just about anything you could ask for. Bobbie’s Dairy Dip is a popular draw; it’s down Charlotte Avenue.

Crieve Hall
Located midway between I-24 and I-65, Crieve Hall offers a good location for virtually any commute. It also offers a prime opportunity for folks who want to find a perfectly functional home that they might choose to “flip.” Many of the brick ranch homes in Crieve Hall were built in the 1950s and can be purchased for a moderate price. Then, with some design choices and a little modernization, you will have an impressive home that will command a higher sales price. This photo is of Crieve Hall Elementary School, which helps to identify the fact that this area is definitely family-friendly.

Green Hills
Green Hills is one of Nashville’s crown jewels; it’s certainly one of the most attractive and prestigious places to live in/around Nashville. There’s the Green Hills Mall with an excellent cinema, desirable shops including Nordstrom, Kate Spade, Macy’s, Tiffany’s, and the Container Store, and the only Cheesecake Factory in town. There’s Parnassus Books, best-ever Chinatown, Trader Joe’s, and the yoga studio that Nicole Kidman visits. A half mile away, find the Hill Center, with Whole Foods (and the Parks office. Those windows above the Whole Body sign? That’s our office). And in Green Hills, you’ll find the famous Bluebird Café. Green Hills has its own post office, a great public library, and important construction is always occurring here. More important than all these “non-residential” features, there are many stately and classy places to live. There are lots of reasons to choose the Green Hills neighborhood for your home; let us help you find the right place.

Sylvan Park / The Nations
If you find yourself in a neighborhood where the majority of the streets are named after states (Indiana, Pennsylvania, Colorado, Nebraska, Utah – you get the idea), you’ll be in The Nations. When these homes were built in the 1920s, 1930s, and after WW2, city planners thought state names might make buyers a little more comfortable, feel a little “homier.” We guess it worked, because these neighbors have a great community spirit. It’s no wonder, really: there’s a wonderful park and several easy-going restaurants where everybody knows your name—and if they don’t, you’ll feel welcome anyway. Play some golf at McCabe Park, then stop in for a beer and a dog at McCabe Pub.

Hendersonville / Gallatin / Sumner County
If you’re a water baby – think fishing, skiing, or relaxing in a boat on a fine lake – you’re going to put Hendersonville on your short list. It has 26 miles of shoreline on Old Hickory Lake and yet it’s less than 20 miles from downtown Nashville. There’s no wonder why Hendersonville is growing by leaps and bounds: over a billion dollars of new construction projects are underway to keep pace with the demand. Indian Lake Village, a planned community within Hendersonville, is simply a treasure trove of all the things you need (including electric car charging stations). Gallatin, a few miles further east, offers a bit more elbow room with their homes and boast of several industries within a short commuting distance. Gallatin is the county seat for Sumner County: home of beautiful land, great schools, and friendly neighbors. Newcomers to Nashville will find living in Sumner County very pleasant.

Goodlettsville
Goodlettsville stretches among three counties (Davidson, Robertson, and Sumner), so there’s a very broad area covered by the 37072 zip code. Folks who reside as far north as Greenbrier, as far east as Moss-Wright Park off Caldwell Drive, all the way south to Madison and west to Joelton may sport a Goodlettsville address. And it’s certainly a “good” – make that great — place to live. There’s the popular Rivergate Mall, excellent industries (including Dollar General), home choices on ¼ to 400 acres, a low crime rate, and lots of antique shops. A rich history and modern conveniences: that’s Goodlettsville – and it’s where Sharon lives.

Mt. Juliet / Wilson County
Are you one of those who had a Blackberry™ before anybody else? Then you traded it in for an iPhone because you just knew in your heart that iPhones were the next big thing? Then you’re the right person for Mt. Juliet and Wilson County. For Nashville natives, Mt. Juliet was always “out there,” a long drive indeed of some fifteen miles. But Mt. Juliet city planners were visionaries: they built the enormous Providence Marketplace and they brought the Music City Star, a commuter train running to/from Nashville. To accommodate these visionaries, there are lots of beautiful new single family homes to fit any budget – and there’s still space where you can get a home custom-built. We think those city planners knew that as Nashville expanded, Mt. Juliet would grow accordingly. They were right: Mt. Juliet experienced a 91% jump in population from 2000 to 2010. If you like being on the cutting edge, Mt. Juliet is tailor-made for you. Plug in the commuter train times into your new Apple™ watch!

North and Northwest Nashville
By our definition, North and Northwest Nashville means traveling up I-24 to the Bordeaux, Joelton, and Whites Creek areas. Two universities, Fisk and TSU, are big draws here. This area of town is rarely scrutinized by folks, and we just don’t understand why. Whites Creek is home to probably the best nursery (Bates) in the entire city, and it also features Fontanel, where you can find a zipline, a distillery, a good restaurant, a concert amphitheater, and a Southern Living model home. Richards, a Cajun restaurant, is ½ mile away. In Whites Creek and Joelton, you can easily get an acre of land with your $250K price tag home, so if you need just a bit of elbow room, come explore this area. I think the best line to define North and Northwest Nashville is from an Alan Jackson song: we’re “not as backward as we used to be…” Small town charm, small home prices, large lots. What’s not to love?

Bellevue
If we were to turn the clock back some 50 years, you’d find sprawling farms and cattle throughout what is now Bellevue. But you’ll be hard pressed to even think of Bellevue’s agricultural past (unless you’re at Loveless Café, eating biscuits and homemade jelly). Now, Edwin Warner Park, the Harpeth River, and the lovely drive on the Natchez Trace Parkway has motivated thousands of folks to call Bellevue home. It’s a quick drive into Nashville and there are homes and lots of condos to fit every budget. Yes, Bellevue suffered a great deal in the May 2010 flood, but Nashville residents showed their strength and unity in rebuilding Bellevue so that it’s even better now – and we’ll have to wait another 495 years for a similar flood.

Williamson County
This post has to be a little longer because everybody wants to live in Williamson County. First of all, it’s the most affluent county not only in Tennessee but also it ranks in the top 25 wealthiest counties in the United States. Practically any national survey of Tennessee gets a boost because of abundant Franklin/Williamson County resources. No wonder: Williamson County is a creative county with an abundance of entrepreneurs, a highly educated workforce, and probably the best schools in the state. There are at least seven distinct “major” neighborhoods in Williamson County, listed here from west to east: Fairview, Thompson’s Station, Spring Hill on the southern border of the county, centrally located Franklin, Brentwood on the northern border, Arrington, and Nolensville. Each has its own charms, so let’s choose just a word or two to describe each neighborhood. Fairview? Most affordable of the Wilco choices. Thompson’s Station? Exclusive and private, and rapidly gaining in popularity. Spring Hill? Home to Nissan, so lots of diversity and variety there and a housing boom. Franklin? Heartbeat of Wilco; lots of opportunity. Brentwood? It’s divided into even smaller neighborhoods, which makes you’ll certainly make friends with all your neighbors! Arrington? Farmland is still available, so great for equestrian lovers. Nolensville? Perfect blend of quaint and modern—and you must visit Nolensville Feed Mill.

Murfreesboro / Rutherford County
Murfreesboro and Rutherford County is largely defined by its past impressive Civil War history (Stones River) and its present day Middle Tennessee State University. MTSU is the largest undergraduate school in Tennessee with ~26,000 students, so you can probably tell that this place rocks! If you have any ideas about buying investment properties, you can’t go wrong in Rutherford County; do try to pick a home or condo that’s within a short commute to the MTSU campus. And be prepared to act fast: we have seen homes listed one day and sold the next. Rutherford County is hot, hot, hot! Plan to cool off with some coconut ice cream from Noodle House Thai restaurant in LaVergne! Rutherford County is economically vibrant and you’ll find whatever it is you need here, even if your wish is to purchase an entire apartment complex or a 45-acre farm complete with cows.

Southeast Nashville (Antioch; Hickory Hollow)
If you’re a first-time homebuyer, you’ll be pleasantly surprised at how much home you can get in the Antioch and Hickory Hollow areas. Besides lots of well-known restaurant and shopping opportunities, the Hickory Hollow neighborhood features the Global Mall at the Crossings with clothing and shoe stores, and an international selection of choices, including Asian, African, Latin, and Middle Eastern wares. And with a new community center, a branch library, a Nashville State Community College campus, a Carmike 8 movie theatre, and a practice area for the Nashville Predators, the entire area is under major revitalization efforts. The Antioch area offers lots to do and lots of excellent opportunities to locate a beautiful home, and to try a new international food. Get to know your neighbors and create a friendly block party atmosphere!

January advice for your home

Now that it’s January — and it’s cold everywhere (some places more brutally cold than others) — I decided that the best January advice I could give should focus on three elements:

  • keeping the water pipes in good order
  • maintaining suitable warmth conditions even if you lose power for a short while
  • convincing warm-seeking pests to go elsewhere.

Today in Nashville, the high is expected to be 40 degrees.  But the weatherman announces that tomorrow, we should expect the temperature to drop some 50 degrees — to a high of -5 or so.  Brrrrrrr in advance.  But that weatherman’s prediction inspired me to share this advice.

icy roof

First, water.  Your water pipes, both inside and outside, will freeze with extended periods of below 32.  And as we all know, when water turns to ice, its space expands and you could end up with busted, leaking pipes which do an enormous amount of damage.  In fact, even a 1/8″ crack in a pipe can leak 250 gallons a day!  So if you haven’t already insulated your pipes, locate your water shut-off valve and learn how to turn off the water to your home! The most vulnerable pipes will be those in kitchens and bathrooms that are on outside walls and uninsulated water pipes in your attic, garage, basement, or crawlspace.  Keep your kitchen/bathroom cabinet doors open to gain warmth from inside the home.  And it does work to leave a pencil-thin stream of water dripping.

I hope you do not have to deal with a power interruption.  But if your area gets an ice storm, you could possibly face several hours, even days, without electricity.  If you do not have alternate sources of heat (such as a generator, a fireplace or wood stove, a kerosene heater, or even an oil lamp), heed this advice.  First,  focus on maintaining heat in one room (generally, your bedroom: make a “camping” game out of it with your children. Actually, if you have tents, erect them not only as part of the game but also because they retain warmth due to their minimal size (just like igloos!).  Put clear shower curtains over the windows: that way, some warming natural light can still filter in.  And bundle up: put on several layers of clothing, a hat, a couple of pairs of socks.  Place extra throw rugs and towels on the floor to keep your feet from getting cold.  Finally, eat foods with a little “staying power” even if you don’t have electricity, such as granola bars, bananas, almonds, peanut butter sandwiches.

If you’re cold, the outdoor creatures like mice are also looking for a warm place to hang out.  Yes, put out a few traps, but the main advice is to do a thorough examination of how they got into your house in the first place.  Put that on your project list after the weather turns reasonable again.

Fences make good neighbors…

Do Fence Me In, Here Are A Few Good Yard Fencing Options

Do Fence Me In… Your Yard Fencing OptionsWhether you just got a puppy, have newly mobile children or built a pool, there are a multitude of reasons for wanting to keep people and animals in your yard, while preventing other from entering.

Picking the perfect fence can be difficult, so below we’ve outlined the main fencing materials to choose from and characteristics to consider about each.

Wood

Wood seems to be the most common material used in yards across the country — especially when wanting privacy. Depending on the type of wood you purchase, you’ll probably want to stain the planks to protect them from rot and ultra-violet light. Be prepared to retreat and maintain your wooden fence about every four years.

Chain Link

This economical option does its job well as a security fence. It’ll keep pets in and people out. And with the new black or green plastic coating chain link comes in, it almost blends into any background.

Chain link fences shouldn’t require any maintenance for at least 10 years, and they usually come with warranties for at least that long.

Wrought Iron

If you’re in the market for an ornate fence that you can see through and provides high security, then wrought iron should be your pick. These fences are actually made from steel and aluminum and need virtually no upkeep. Don’t expect to see any issues for at least 20 years.

Vinyl

You like the look of wood, but you hate the upkeep. Well, if you’re willing to spend the extra dough, usually four to five times the cost of wood, then you can have a man-made product that looks like the real thing.

Faux-wood fencing is usually seen in white, but can come in a variety of colors and even look almost identical to actual wooden planks. The best part is — no maintenance required!

Whatever your reason for building a fence, such as privacy, security, safety or to add curb appeal, you’ll have hundreds of options to choose amongst. Be sure you carefully consider each of the main fencing materials above, along with their look and maintenance requirements before you make the investment.

This blog post is shared courtesy of Waterstone Mortgage: http://waterstoneblog.com/ 1904/do-fence-me-in-here-are-a-few-good-yard-fencing-options/

More Divorces? 8-(

  Here’s a sad reality.  According to RIS Media, a prominent resource for all matters real estate, the number of divorces is increasing due to home values rising.  The thinking goes like this: over the past four or five years, home prices bottomed out, and the resulting lack of equity in a home meant that many couples stayed married simply because of financial constraints.  Now that home prices have climbed, some couples who have been staying together for financial reasons have reached a “happier” place.  Now their house is worth much more, and they can sell it now for a reasonable profit.  That means the net income derived from selling a home gives them the opportunity to finally go their separate ways.

Sad, isn’t it?  Higher home prices = more divorces.  It’s also sad that so many personal choices come down to plain dollars and cents.  Here’s hoping you are happy, no matter what your marital situation is… Let us know if we can help you in any way.  #divorce

Suze Orman wants you to become a homeowner

Suze Orman is one of the nation’s top consumer  money advisors.  She, like Dave Ramsey (of Financial Peace University), insists that individuals maintain at least a six-month supply of funds in case you happen to lose your job or face a medical emergency.  She is very, very strict on “wasting” money on frivolous purchases, and you’ve probably heard many of her bits of hard-nosed advice.   suze

Well, Suze has made an important announcement regarding home ownership.  She used to abide by the traditional advice that if you could not afford to put 20% down for your home (i.e., the traditional amount of down payment associated with conventional financing), then you had better be happy renting.  NEWS ALERT — Suze has relaxed her standards!  See the video below (it’s about 3 minutes long) to understand fully why she has now broadened her view of who can become a successful homeowner.

http://www.cnbc.com/id/101023337#!

Now, if you’re ready to become a first-time homeowner, please drop either of us an email.  We’ll send you a wonderful packet of information about the entire homebuying process (and, believe me, it IS a process).  This guide helps to explain the confusing world of mortgages, too.

Once you’ve had the chance to absorb that information and to do an examination of your monthly expenses, your income, etc., then try out some of the online calculators on our Useful Resources page.  There’s one there that will help you determine how much house you can comfortably afford.  We will also recommend two or three excellent mortgage lenders to get the pre-approval process started.  In fact, one of our recommended lenders is endorsed by Dave Ramsey.

After that, it may be time to start looking at homes — and we are thrilled to assist you in that process.  (That’s the fun part, by the way).  You could potentially be in a new home by the holidays: just think about that for a moment.

Questions?  Drop either of us a note with anything that’s still bothering you.  We’ll help you on the wonderful path to homeownership.

Is my neighborhood safe?

So many individuals, especially those contemplating a home purchase, want to know whether the neighborhood they’re considering is “safe.”  Our definitions of “safety” differ, however.  It’s vital, of course, to feel safe in one’s own home.  But coming up with an assessment of the safety of the entire neighborhood is outside of the realtor’s purview.  In fact, if a realtor were to suggest that one of his/her clients should avoid a certain area for safety concerns, that realtor could possibly be charged with “steering” the client — a violation of our Code of Ethics.  Again, one homeowner might only feel “safe” if he or she can jog through the neighborhood at 11:00 pm.  Another homeowner might feel that “safe” means never, ever, ever hearing a gunshot.  A third homeowner is likely to have another issue that would make overall safety feel within — or out of — grasp.

While I recommend that potential home buyers locate the nearest Police precinct and go talk to the information officers there, there is a suitable weblink one might wish to employ.  It’s http://crimemapping.com/map/tn/nashville. As you can see, the information on this website is updated often.  It provides a good resource to arm yourself with the information needed to determine whether you feel a neighborhood is “safe.”  You can, of course, alter the search area as well.

We want the same thing.  We, as realtors, want you to locate a great home and we absolutely understand the importance of safety.  But on this issue you need to do a little of the homework yourself.

burglar

Understanding debt-to-income ratios

Once you decide to go speak to a mortgage lender, you may walk away feeling a little overwhelmed.  There are lots of new concepts you’ll have to understand (unless you just happen to be an Economics major in your college days).

One of those concepts is called the back-end ratio.  Before you start imaging a truck backing up with its beeping sounds, let me explain.  One’s back-end ratio is a reliable way to simply see if you can afford a certain property.

A back-end ratio describes your total debt-to-income numbers.  It shows how much of your gross income would go toward all of your debt obligations.  Debt obligations are widespread (of course), but always include your “regular” bills of your mortgage, car loans, child support and alimony, credit card bills, student loans and condominium fees.  (Note to self: if you can OWN a car, even an ugly one, rather than paying monthly payments on it, you’ll qualify for a larger home loan).

In general, your total monthly debt obligation should not exceed 36 percent of your gross income. To calculate your debt-to-income ratio, multiply your annual salary by 0.36, then divide by 12 (months). The answer is your maximum allowable debt-to-income ratio.

Is that clear as mud?  A good mortgage lender will be able to explain it even better than I can in a short response.  But if you want another great way to see quickly whether you can afford a home you’ve got your eye on, visit all the cool widgets on the BUYING tab of this website.

Then, when you’re ready to jump in and purchase a home, give us a call.  We’ll find the right house for you.  calculator

Why You Should Work with a Realtor

Today’s post is more serious than some of the previous we-blog offerings.  And, let me say right from the start that I have borrowed the jist of this information from Realtormag.realtor.org.  I can supply you with the exact weblink if you would like it.  Here goes.

Not all real estate practitioners are Realtors®.  That term is a registered trademark.  It demonstrates that this real estate is a professional; he/she is a dues-paying member of the National Association of Realtors, and perhaps most importantly, that he/she subscribes to our strict Code of Ethics.

Realtors® go through weeks of training to earn their designation.  We must pass state and national tests.  And, like any professional, we don’t really want to work for free.  Please listen to these reasons.

1.  Hiring a Realtor — whether you are buying or selling — means you will have an expert on “your” side; we will guide you through the disclosures, inspections, mortgage documents, insurance policies, deeds, settlement statements, etc.  The seller’s agent is there for only the seller: don’t forget that.

2.  We will provide objective information (“comps” / Comparative Market Analyses), as well as our valued opinions.  It’s likely that selling (or buying) this house might be the first, or second, or perhaps fourth time for you.  For the Realtor, we’ve done this dance before.  Many times.  We know the tricky steps.

3.  We will find the best property out there.  We have a variety of ways to advertise, and we have a network of friends in the business.  That’s going to help you, whether you recognize it or not.

4.  We can help negotiate the best deal.  Plus, we will think of negotiable items that almost certainly escape your frame of knowledge.  Everything is ultimately negotiable: financing, terms, date of possession, repairs, furnishings, equipment, appliances, and in one rather odd case: goats.  If something happens and an amendment is needed — you couldn’t get the home inspection completed in the prescribed three-day window, for example — your Realtor can likely ease that amendment on through.

5.  When you’re selling, strangers are coming into your home, you know.  Having an expert Realtor there should make you feel just a little better about the prospect of strangers walking through your house.  A second element is that selling is an emotional experience.  A home symbolizes your family, your sense of self, your hobbies, your life: it is much more than four walls, a roof, and a stubborn front doorlock.  Having a concerned and objective third party helps you to stay focused on the big picture(s): the emotional and the financial.

6.  Real estate has its own language.  If you don’t know the difference between a FSBO and a horizontal property regime, you need someone who does speak the language.

7.  Every member of the National Association of Realtors makes a commitment to adhere to a strict Code of Ethics.  Our job is to protect you.  It is your right to expect nothing but honest and ethical treatment in all transactions with a Realtor.  In fact, it is mandatory that we refresh our commitment to the Code of Ethics every few years.  Times change.  Honesty and integrity should not.

Yes, it is possible in our society to buy (or to sell) a house without utilizing the professional services of a Realtor.  I can also give you instructions on how to extract a tooth, as long as you have some needle-nose pliers handy.  We are professionals.  Let us serve you.