Carley Oakley - The FIRM

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United States
Germantown, TN
Carley Oakley - The FIRM

Licensed Realtor in TN

Cell: 901-831-4765

05/02/2026

Your future buyers and sellers already scroll Zillow on the daily. The world doesn’t need another “Just Listed” or “Just Sold” post on Instagram 👀

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02/13/2026

booooo dump him already!

it’s 2026 - it’s time to build your own wealth instead of someone else’s

buying your first house can feel scary, but with the right person by your side, you have nothing to worry about 🫶

let’s talk! ✨

05/11/2024

Open Today from 2:00-3:30! This charming gem near Chickasaw Gardens is just minutes away from the University, East Memphis, and Cooper-Young. 3 bedrooms, 2 bathrooms, oversized 1-car garage with a work area. Large living room with fireplace and built-ins. Spacious kitchen with granite countertops and skylight. Upstairs loft bedroom with full bathroom and new carpet. French drain installed in backyard in 2020. Screened in porch added in 2021. New hot water tank in 2022. Garage got a new roof and new garage door in 2023. Back deck restained in 2024. Perfect for college students or could be a great starter home! Come check it out!

117 S. Humes St.
Memphis, TN 38111

Listed by: Carley Oakley
TheFIRM | Memphis REAL ESTATE
901-459-8922
www.TheFirmMemphis.com
[email protected]

10/31/2023

happy halloween 🎃💀👻🦇

06/20/2023

There's no other way to better say I love you than with these Home Must-Haves for every Love Language!

Physical Touch: Olive and Linen Turkish Towels

Words of Affirmation: Lindsey Letters In This House, Your Best will Always be Good Enough

Quality Time: Burke Decor Chinese Checkers

Gifts: Papier Hanging Fruit Recipe Journal

Acts of Service: Smeg Cream Drip Coffee Maker

What's YOUR love language?!

06/15/2023

Reminder: if you can't be a homeowner yet, you can still have an agent you love.

This is one of the biggest mistakes I see future homebuyers make. They wait to find an agent until they find a house!

You wouldn't wait to go to the orthodontist until your teeth were aligned. You wouldn't wait to go to the eye doctor until you could see. And you wouldn't wait to go to the gym until you were fit, right?

So don't wait to connect with an agent until what you want is right in front of you!

The whole point of going to a professional is to benefit from their expertise from beginning to end. They have a plan to get you to where you want to go, and they have the experience to get you there successfully.

It's not uncommon for me to talk with a client for a year or two (or sometimes more!) until they're ready to make a move. But all that time, I'm walking them through the process and educating them along the way so that when it's finally "go-time," they're totally prepared and ready for homeownership!

If you're squirming in your seat right now thinking, "Ok, ok, I know I need to take this first step," DM me! I'm really nice :) and I'm able to help you get started, no matter your timeframe! I have time for you, and I can send you some free resources right away so you can start learning about the home buying process for yourself!

06/05/2023

*hears interest rates are higher*
*exits out of every realtor.com tab*
*pours glass of wine and scrolls through Netflix*

What if I told you it didn't have to be this way? What if I told you there's *still* a chance for you to find a home you love AND can afford?

The biggest mistake buyers are making right now is counting themselves out. Because yes, rates are higher than they were two years ago, but they are always fluctuating.

Even the slightest dip in interest rates can make a huge difference on your monthly note.

For example, let's look at a 7% vs 6% rate on a 300k 30 year mortgage.

At 7% with no money down, you're looking at about a $1,996 monthly payment.

But at just one percent lower, a 6% rate would make your payment about $1,500.00

That's nearly a $500 a month difference in payment!

The only way to achieve your dream of homeownership is to keep pressing forward. Yes, you might have to miss out on a few homes you love because the rates were too high, but at some point, the stars will likely align and you'll find a house you love AND can afford!

The key is to not give up and have an agent on your side who remains patient and proactive on your behalf.

06/02/2023

Your *Homeowner Era* could be just a few steps away!

"Yeah, but what steps?" you may be thinking.

I got you 😉

First, you'll want to talk to your agent (It's me! Hi!) so you can get a plan made just for you. This step is important because you want to make sure the budget and type of home and location you have in mind are realistic and attainable!

Then, you'll get connected with a lender (or two or three so you can shop rates and any possible programs you may qualify for!) They'll give you your budget or give you some ideas on what you can do to get qualified for a larger amount. Think: improving credit score, paying off debt, etc.

Bonus tip: if you can't get pre-approved just yet, look for a lender who gives you a PLAN to get you on track. If they just leave you hangin' and don't give you any ideas on what you can do to become a homeowner, that's a red flag 🚩 You want a lender who does their due diligence and has your best interest in mind!

Now you've got your agent and your lender and your pre-approval. YAY! It's officially time to start house shopping! You'll get set up on a search that meets your home wish list criteria and hopefully find the home for you soon!

Once you do, I'll walk you through your offer, any negotiations, inspection, and so on! I'm there with you every step of the way all the way to closing day so you can *finally* get your keys and move into your new home.

We cheers 🥂, take a photo 📸, and celebrate the beginning of your homeowner era! 🪩 YOU DID IT! (I knew you could!)

05/23/2023

Just Closed in High Point! This one was a special one for me because i got to help my sweet friends buy their very first home!

*queue the happy tears*

Congratulations to Brinley and Chad! 🥳

05/15/2023

*steps up to the mic*

Hopefully you know by now that you DON'T need to put 20% down on a house in order to become a homeowner.

This has been a GAME CHANGER for homeowners around the nation which has been awesome. But what most people AREN'T talking about is a little thing called PMI or private mortgage insurance.

(Ugh, there's always a catch!) But keep reading!

If you have a conventional loan and put less than 20% down, you're most likely paying PMI which protects the lender in case you stop making house payments (but you would never do that, right!?)

There are a few ways to avoid paying PMI though (which can be $100-250 a month on top of your monthly payment!) 😩

First, you could opt to save up and put a larger down payment down on your house so that the mortgage's loan-to-value (LTV) ratio is 80%. (Ex: if your new home costs $180,000, you would need to put down at least $36,000 to avoid paying PMI)

You could also talk to your lender about doing a piggyback mortgage where a second mortgage is taken out at the same time as the first mortgage. This lowers the LTV ratio so you can say "bye bye bye" to PMI.

There are also programs occasionally available from lenders where you can avoid paying PMI if you meet certain criteria. This is why I encourage all my buyers to reach out to the lenders I often work with because you never know if there is a deal you qualify for!

If all of this has you wanting to hide in a rack of wedding dresses, blowing your whistle for help like Rachel Green, no sweat! I am right beside you the whole time, and I'll make sure you are comfortable with your lender's game plan before we start house hunting!

Address

7475 McVay Station Court Suite 101
Germantown, TN
38138

Telephone

+19018314765

Website

http://www.thefirmmemphis.com/

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