Our Agency

Buyer Services

  • Mortgage Tips: Unsure of just how much you can safely afford to spend? Not sure what type of loan will be best for your family? First time home buyer...and unsure of the mortgage process? Our agents can assist you with these questions and more. We will meet with you to answer these questions and more and to explain the process of obtaining a home mortgage. We can also make suggestions of places where you might secure financing.
  • Finding the Right Home: This is where we really shine...all you have to do is tell us what size home you are looking for and where you would like it to be located....we do the rest! We will provide a list of homes that meet your unique criteria and set up appointments for you to view each property at your convenience.
  • Negotiation: This can be one of the most stressful times for both buyers and sellers and we can help you take the "bite" out of this necessary transaction. We will handle the negotiation process for you via offers and counteroffers.

Seller Services

  • Advertising: We market your property locally via area newspaper ads and worldwide via our website.
  • Sales Preparation: Each home is unique and we will give you personalized tips on how to give your home that important "first impression". These valuable tips and pointers can help your home sell faster.
  • Market Analysis: One of the most important aspects of preparing to sell your home is the market analysis. Our agents will carefully evaluate your home to determine just how much your home should sell for and advise you on an approximate time period in which you can expect your home to sell. Your personal market analysis will include a careful examination of the location, selling price of similar properties in your area and an approximation of the amount of time your home should be on the market.
  • Sale Expenses: (Costs Richards-Cummins accrues for Advertising, etc.)
  • Negotiation:

Soul of Agency

Pat Cummins
Owner/Broker, G.R.I.

She is our leading specialist in everything concerning Real Estate in Haywood, Madison, and Shelby counties.

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