EXIT Coosa River Realty-Buy & Sell Wisely with Wiley

10/02/2026

🏡💕 BUYER’S AGENCY AGREEMENT… sounds serious, doesn’t it? 😂

Before you start wondering if we need lawyers, witnesses, and a candlelight signing ceremony… we don’t. 🤣

Think of a Buyer’s Agency Agreement as us making it Facebook Official: Real Estate Edition. 💕🏡

Basically, it says:

🔑 You: “Tammy, help me find a house!”
🙋🏼‍♀️ Me: “Girl, grab your coffee. We’ve got houses to see!”
📄 The Agreement: “Perfect. Here’s what Tammy is going to do for you, how representation works, and how compensation is handled.”

It lays out our relationship, my responsibilities to you, the length of our agreement, and how I’m compensated. Most importantly, it means you have someone in YOUR corner helping you navigate the craziness that can come with buying a home.

Because once we start house hunting, I’m not just opening doors. 🚪

I’m researching, scheduling, communicating, negotiating, explaining paperwork, helping you navigate inspections and deadlines, answering approximately 47,392 questions 😂 and doing my best to help get you from…

“I kinda want to buy a house…”

to…

🎉🔑 “WAIT… THESE ARE MY KEYS?!”

So don’t let the words Buyer’s Agency Agreement scare you. Ask questions, understand what you’re signing, and know who is representing YOU before the house-hunting adventure begins. ❤️

And if we end up sitting at somebody’s kitchen table discussing an offer while drinking coffee… well, that seems pretty on-brand. 😉☕🏡

💕 Tammy Smith Wiley
EXIT Coosa River Realty
📲 205-863-9541

The Realtor you’d want sitting at your kitchen table. ❤️

10/02/2026

🏡💕 RECAD… What in the real estate is THAT?! 😂

If you’ve bought or sold a home in Alabama, chances are your Realtor has handed you a RECAD and explained it to you. And despite all those official-looking words, it is NOT another contract! 🙌

RECAD stands for Real Estate Consumers Agency and Disclosure Act, and basically, it helps you understand WHO your real estate professional is working for and what type of brokerage relationship you have.

You may see terms like:
🏠 Single Agent – represents one party in the transaction
🤝 Dual Agent – represents both buyer and seller with written, informed consent
📋 Transaction Facilitator – assists with the transaction without acting as an agent or advocate for either party

The important part? You deserve to understand who represents you BEFORE you get knee-deep in house hunting, offers, inspections, negotiations, and all the other real estate fun! 😅

My job isn’t just opening doors and putting signs in yards. It’s helping you understand the process so you can make informed decisions from beginning to closing table. ❤️

And if I ever hand you a form you don’t understand, ASK ME! There are no silly questions in real estate. Well… maybe “Can we offer $100,000 under asking and ask them to leave the furniture?” might make my eye twitch a little. 😂

💕 Tammy Smith Wiley
🏡 EXIT Coosa River Realty
📲 205-863-9541

The Realtor you’d want sitting at your kitchen table. ❤️

10/01/2026

🎃🐝 DON’T LET MORTGAGE RATES SCARE YOU! 🐝🎃

Buying a home doesn’t have to feel like a bunch of Hocus Pocus! 🧙‍♀️✨

There may be options to help make that payment a little less frightening, including seller concessions, rate buy-downs, different loan programs, and negotiating the right deal. 🏡💰

And here’s the spooky part… 👻
If you’ve been thinking about buying, NOW is the time to start making a plan!

🎃 We could be CLOSING by Halloween…
and if not, surely we can get you into a new home before NEXT Halloween! 😂🐝

Let’s turn those scary mortgage-rate numbers into a little homeownership magic. ✨🏠

No tricks. Just options, good information, and hopefully the sweetest treat of all… KEYS TO YOUR NEW HOME! 🔑🍬

📲 Tammy Smith Wiley
📞 205-863-9541
🏡 EXIT Coosa River Realty

💗 The Realtor you’d want sitting at your kitchen table.

09/30/2026

09/29/2026

What are you doing today? We could be looking at houses! 😂

09/28/2026

🏡🔑 CLOSING DAY!! Welcome to Alabama! ❤️
Today is one of those days that reminds me exactly why I love what I do! My buyers are officially trading those Florida palm trees 🌴 for Sweet Home Alabama! 🏡❤️
They trusted me from another state to help them find the place they’ll call home, and TODAY WE CLOSE! 🎉🔑
But this closing is extra special because I had the privilege of being trusted by both sides of this transaction. ❤️ A huge THANK YOU to my sellers for trusting me to represent them, market their home, and help get them to the closing table. When someone chooses me to handle something as important as selling their home, I never take that trust lightly.
And to my buyers, WELCOME TO ALABAMA! 🎉 Moving to a whole new state is a BIG adventure. New roads, new neighbors, new favorite restaurants, and learning that around here, “just down the road” could mean 5 minutes or 45. 😂
Today one family closes one chapter while another begins a brand-new one, all with the same set of keys. 🥹🏡 That’s pretty darn special.
Thank you to my sellers AND my buyers for allowing me to be part of both sides of this journey. ❤️
Florida ➡️ Alabama ➡️ HOME! 🌴➡️🏡
Homes. People. Community. Always. ❤️
🏡 Tammy Smith Wiley, REALTOR®
EXIT Coosa River Realty
📲 205-863-9541
💕 The Realtor you’d want sitting at your kitchen table.

09/28/2026

🦃 LET’S GET TO THE MEAT & POTATOES! 🥔🏡
If buying a home has been on your mind, quit just passing the idea around the table like the green bean casserole nobody asked for. 😂
There’s still time to start making a plan for YOUR new home. Maybe you’ll be hosting Thanksgiving dinner in your own place sooner than you think. And if it’s not this Thanksgiving, we’ve got a whole year to make sure you’re carving that turkey in YOUR kitchen next year! 🏡❤️
We can talk about:
🏡 What you can comfortably afford
💰 Down payment and financing options
🔑 What it actually takes to get from “maybe someday” to HOMEOWNER
🦃 And apparently...how to properly deep-fry your Realtor. 😂
And what’s for dessert?
🥧 A big ol’ slice of SWEET HOMEOWNERSHIP!
Because pumpkin pie is good...but getting the keys to your own home is even sweeter. 😉
📲 Tammy Smith Wiley
EXIT Coosa River Realty
📞 205-863-9541
❤️ The Realtor you’d want sitting at your kitchen table...although apparently this year I’m ON it. 😂🦃

09/27/2026

You got questions...I got answers. I have got lenders that would love to get that pre-approval for you so that we can start your homeownership journey! Text me at 205-863-9541!

09/26/2026

🏡 NEW CONSTRUCTION + LAKE LIFE = YES PLEASE! 🚤✨
📍 198 Estates Club Dr, Pell City, AL 35128
💲 $699,900
If you’ve been waiting for a home with SPACE, STYLE, and a little lake-life bonus, you need to see this one!
✨ 5 Bedrooms
🛁 4 Bathrooms
🚗 5-Car Garage... because apparently 2 just wasn’t enough! 😉
🚤 YOUR VERY OWN BOAT SLIP
🏡 Beautiful New Construction
Imagine coming home to all this space, parking the toys in the garage, grabbing your lake bag, and heading straight to your boat. This isn’t just a house... it’s an Alabama lifestyle! ☀️🌊
And did I mention it’s NEW construction? No wondering what the previous owners did behind those walls. Everything is fresh, beautiful, and ready for YOU to make it home. ❤️
📲 Tammy Smith Wiley | 205-863-9541
🏡 EXIT Coosa River Realty
The Realtor you’d want sitting at your kitchen table. 💗

https://www.homes.com/customer/dashboard/analytics/listing/vh4hbtkcdyg2p/?ltf=0&t=3 -section

09/25/2026

Text me 205-863-9541

Things I ask ChatGPT...(this is for fun, but interesting too, but please do your own fact checking. 🤓😅

🏠 Housing stats 1980's vs. NOW
📼 Around 1980
30-year mortgage rate 13.74% avg. in 1980
Peak mortgage rate 18.63% in 1981
Home price $64,500 median new-home price
Median days on market Historical DOM isn't directly comparable because today's MLS/data tracking didn't exist in the same standardized form
Market conditions High rates severely constrained affordability
Buyer leverage Financing cost was the monster

💿 2026
30-year mortgage rate 6.95% as of Sept. 17
Peak mortgage rate Current rates are around 7%
Home price $398,596 median sale price in Aug.
Median days on market 50 days in Aug.
Market conditions More inventory and negotiating room for buyers
Buyer leverage 59.5% of homes sold below their original list price in Aug. 2026

The rate numbers are pretty eye-opening. The average 30-year fixed rate was 13.74% in 1980, 16.64% in 1981, 16.06% in 1982, and didn't fall below 10% for the decade. Freddie Mac says the weekly rate actually peaked at 18.63% in 1981. As of September 17, 2026, the average 30-year fixed rate was 6.95%. https://myhome.freddiemac.com/buying/mortgage-rates?utm_source=chatgpt.com
But here's the part that makes the comparison interesting
In 1980, the median price of a newly sold U.S. home was $64,500. In the South, it was only $59,700. U.S. https://www.census.gov/content/dam/Census/library/publications/1980/econ/c25-8013.pdf?utm_source=chatgpt.com
By August 2026, the median sale price across U.S. homes was $398,596. That's more than six times the nominal price of that 1980 new home.
So the useful consumer message isn't simply “rates were worse in the 80s.” They absolutely were. But buyers today face a very different combination of higher home prices + elevated borrowing costs.
And there's a bright spot for today's buyers: August 2026 had about 1.53 million active listings, a 3.9-month supply, and a median 50 days on market. Nearly 60% of homes sold below their original asking price. That's meaningful negotiating room for things such as price, repairs, closing-cost assistance, and potentially seller contributions toward an eligible rate buydown. https://www.redfin.com/news/press-releases/new-listings-surge-august-2026/?utm_source=chatgpt.com