Kelly Day SimpliHŌM

09/15/2026

Teacher, nurse, firefighter, police officer, or another everyday hero?
There may be home buying programs built specifically for YOU — and a lot of people never find out. 🏡
Many state and local programs offer down payment assistance, reduced fees, or special loan terms for public servants and essential workers.
Some offer grants, others below-market rates or forgivable second loans.
The catch: they come and go with their own rules.
You may qualify for help you didn't know existed.
Let me check for you! 👇

Kelly Day, SRES, SRS, AHWD, PSA, RENE
Multi Million Dollar Club
Broker Lic # 365811
simpliHŌM
901-289-9227
855-856-9466
[email protected]
https://memphishouselistings.com

09/15/2026

🏡 𝗧𝗵𝗶𝗻𝗸 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝗮 𝗵𝘂𝗴𝗲 𝗮𝗺𝗼𝘂𝗻𝘁 𝗼𝗳 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 𝘁𝗼 𝗯𝘂𝘆 𝗮 𝗵𝗼𝗺𝗲? Think again!
Your down payment could potentially come from more places than you realize:

💰 Savings
🎁 Gift funds
🏠 Down payment assistance
💼 Employer benefits
💵 Retirement funds
📍 State & local programs

Don’t count yourself out before you know your options!

👉 𝗟𝗲𝗮𝗿𝗻 𝗺𝗼𝗿𝗲: https://memphishouselistings.com/blog/different-ways-to-pay-for-your-down-payment-on-a-home

Kelly Day, SRES, SRS, AHWD, PSA, RENE
Multi Million Dollar Club
Broker Lic # 365811
simpliHŌM
901-289-9227
855-856-9466
[email protected]

Wondering how to come up with a down payment for a home? Explore savings, gift funds, down payment assistance, employer programs, retirement funds and other options that may help make homeownership possible.

09/15/2026

✨ This isn’t your typical Spring Creek Ranch home.

From the moment you walk in, you can tell this one was designed differently.

Designed by renowned architect David Anderson, 12592 Miss Carson Lane is filled with thoughtful details you just don’t see in every home — custom lighting, designer-selected finishes, gorgeous soapstone countertops, rich hardwoods, and a stunning Texas limestone fireplace.

And it’s not just beautiful. The floor plan works, too.

🏡 5 Bedrooms | 4.5 Baths
📐 Nearly 4,000 SF
🛏️ 2 Bedrooms Down
🌿 Screened Porch + Covered Patio
🚗 3-Car Garage

If you’ve been looking for a luxury home in Collierville with a little more character, craftsmanship, and personality, you need to see this one.

📍 12592 Miss Carson Lane | Spring Creek Ranch

Want the details or a private tour? Send me a message!

Kelly Day, SRES, SRS, AHWD, PSA, RENE
Multi Million Dollar Club
Broker Lic #365811
simpliHOM
901-289-9227
855-856-9466
[email protected]
memphishouselistings.com⁠

09/14/2026

🍂 Fall is the perfect time to give your Memphis home a little 𝗧𝗟𝗖!
From HVAC and gutters to windows, outdoor faucets, and smoke detectors, a quick seasonal check can help prevent bigger problems later.

🏡 Check your home off the list before winter arrives!

👉 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗰𝗵𝗲𝗰𝗸𝗹𝗶𝘀𝘁: https://memphishouselistings.com/blog/your-memphis-home-fall-checklist

Kelly Day, SRES, SRS, AHWD, PSA, RENE
Multi Million Dollar Club
Broker Lic # 365811
simpliHŌM
901-289-9227
855-856-9466
[email protected]

Fall is the perfect time to give your Memphis home a little TLC before cooler weather arrives. From HVAC and gutters to outdoor faucets and those easy-to-overlook repairs, here’s a simple checklist to help you get your home ready for the season — witho...

09/14/2026

Offer accepted — then you hear the appraisal came in low.
Don't panic.
🏡 An appraisal is the lender's independent estimate of value, and if it's below your offer, that difference is the appraisal gap.
Your choices: ask the seller to lower the price, meet in the middle, cover the gap with cash if it's worth it, or challenge a real error.
This is exactly why an appraisal contingency protects you.
A low appraisal isn't the end — it's a negotiation.
Want an agent who handles these calmly? 👇

Kelly Day, SRES, SRS, AHWD, PSA, RENE
Multi Million Dollar Club
Broker Lic # 365811
simpliHŌM
901-289-9227
855-856-9466
[email protected]
https://memphishouselistings.com

09/14/2026

Buying or selling, it helps to know what actually moves a home's appraised value — because a lot of what people THINK adds value doesn't. 🏡
What genuinely adds value: usable square footage, an added bed or bath, an updated kitchen, and updated systems (roof, HVAC, windows).
What doesn't add much: a pool in the wrong market, elaborate landscaping, ultra-custom finishes only you love, and over-improving beyond your neighborhood.
Appraisers compare to nearby sales.
Spend where it counts!
Want to know what's worth doing? 👇

Kelly Day, SRES, SRS, AHWD, PSA, RENE
Multi Million Dollar Club
Broker Lic # 365811
simpliHŌM
901-289-9227
855-856-9466
[email protected]
https://memphishouselistings.com

09/14/2026

🏡 𝗕𝘂𝘆𝗶𝗻𝗴 𝗮 𝗵𝗼𝗺𝗲?
Don’t make the mistake of negotiating only the price.
The purchase price is just one piece of the deal.
Depending on the situation, you may also be able to negotiate:

💰 Closing costs
🔧 Repairs or credits
🛡️ A home warranty
📅 The closing date
🏠 Possession after closing
🛋️ Personal property & appliances
💵 Financing incentives
⏰ Inspection and other contract timelines
…and more.

Sometimes a seller concession, a needed repair, or a flexible closing date can be more valuable to you than a few thousand dollars off the purchase price.

The goal isn’t to negotiate harder—𝗶𝘁’𝘀 𝘁𝗼 𝗻𝗲𝗴𝗼𝘁𝗶𝗮𝘁𝗲 𝘀𝗺𝗮𝗿𝘁𝗲𝗿.

I broke down 10 things you can negotiate besides price when buying a home in my latest blog. 👇

👉 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗮𝗿𝘁𝗶𝗰𝗹𝗲: https://memphishouselistings.com/blog/top-10-things-to-negotiate-besides-price-when-buying-a-home

Kelly Day, SRES, SRS, AHWD, PSA, RENE
Multi Million Dollar Club
Broker Lic # 365811
simpliHŌM
901-289-9227
855-856-9466
[email protected]

Think negotiating a home is all about the price? Think again. From closing costs and repairs to closing dates and seller concessions, here are 10 things buyers can negotiate to make a deal work better for them.

09/12/2026

🏡 𝗡𝗲𝗲𝗱 𝘁𝗼 𝗦𝗲𝗹𝗹 𝗬𝗼𝘂𝗿 𝗛𝗼𝘂𝘀𝗲 𝗤𝘂𝗶𝗰𝗸𝗹𝘆? 𝗗𝗼𝗻’𝘁 𝗣𝗮𝗻𝗶𝗰.
Life doesn’t always give you six months to sell a home. Maybe you’re relocating for a new job, downsizing, handling an inherited property, or facing an unexpected life change.

But selling quickly doesn’t necessarily mean leaving money on the table.

𝗧𝗵𝗲 𝗸𝗲𝘆 𝗶𝘀 𝗵𝗮𝘃𝗶𝗻𝗴 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝘀𝘁𝗮𝗿𝘁:
✨ Know what your home is really worth
✨ Focus on the improvements that actually matter
✨ Price strategically
✨ Look beyond the highest offer
✨ Understand when a cash offer makes sense
✨ Be upfront about your timeline

Your goal shouldn’t just be to sell fast—it should be to sell 𝘀𝗺𝗮𝗿𝘁.

I broke down what Memphis-area homeowners should know when they need to sell quickly, including how to approach pricing, repairs, offers, and timing.
👉 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗯𝗹𝗼𝗴: https://memphishouselistings.com/blog/what-happens-if-i-need-to-sell-my-house-quickly

Kelly Day, SRES, SRS, AHWD, PSA, RENE
Multi Million Dollar Club
Broker Lic # 365811
simpliHŌM
901-289-9227
855-856-9466
[email protected]

Need to sell your house quickly? Learn how pricing, preparation, marketing, cash offers, and your timeline can affect the selling process—and how to create a strategy that protects your goals.

09/12/2026

Self-employed and want to buy?
You've probably heard it's harder for you — but it doesn't have to be.
🏡 Lenders typically want two years of tax returns to see steady income.
Here's the trap: writing off every expense lowers your taxable income (great in April) but also lowers the number lenders see.
Plan those write-offs with your accountant before you buy.
And if returns don't tell your full story, bank-statement loan programs exist just for you.
You have options — let's build your game plan. 👇

Kelly Day, SRES, SRS, AHWD, PSA, RENE
Multi Million Dollar Club
Broker Lic # 365811
simpliHŌM
901-289-9227
855-856-9466
[email protected]
https://memphishouselistings.com

09/11/2026

🏡 𝗠𝗲𝗺𝗽𝗵𝗶𝘀 𝗵𝗼𝗺𝗲𝗼𝘄𝗻𝗲𝗿𝘀: 𝗗𝗼 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄 𝗵𝗼𝘄 𝗺𝘂𝗰𝗵 𝗲𝗾𝘂𝗶𝘁𝘆 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲 𝗶𝗻 𝘆𝗼𝘂𝗿 𝗵𝗼𝗺𝗲?

Home equity can be one of the most valuable financial assets you build as a homeowner — but what exactly is it, and how does it work?

Our latest blog breaks it down in simple terms, including:

-What home equity actually means
-How your equity grows over time
-Why your home’s value and mortgage balance matter
-Ways Memphis homeowners may be able to use their equity

📖 𝗥𝗲𝗮𝗱 𝗼𝘂𝗿 𝘀𝗶𝗺𝗽𝗹𝗲 𝗴𝘂𝗶𝗱𝗲: https://memphishouselistings.com/blog/what-is-home-equity-exactly-a-simple-guide-for-memphis-homeowners

𝗬𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘄𝗼𝗿𝘁𝗵 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝘆𝗼𝘂 𝘁𝗵𝗶𝗻𝗸. 🏠💰

Kelly Day, SRES, SRS, AHWD, PSA, RENE
Multi Million Dollar Club
Broker Lic # 365811
simpliHŌM
901-289-9227
855-856-9466
[email protected]

Home equity can be one of your biggest financial assets, but do you really know how much you have? Here’s a simple, easy-to-understand look at what equity is, how it grows, and how it could impact your next move.