Kathryn Garland- Crye-Leike, Realtors

09/28/2026

One of the biggest myths about buying a home is that you need perfect credit. While a higher credit score can help you qualify for better loan terms, many loan programs are available to buyers with less-than-perfect credit. FHA, VA, USDA, and even some conventional loans have different credit score requirements, and lenders may have flexibility depending on your overall financial picture. Don't assume you're not qualified without checking first. A conversation with a trusted mortgage officer can help you understand your options, identify ways to improve your eligibility if needed, and determine the best loan program for your situation. If you'd like a recommendation to a knowledgeable mortgage professional, I'd be happy to connect you.

Learn more at https://BetterHomeowners.com/KathrynGarland/2026/09/28/What-credit-score-do-we-need-to-qualify-for-a-mortgage

Helping homeowners when they buy, sell and all the years in between.
(901) 644-8751 [email protected]

09/27/2026

PRICE IMPROVEMENT!
OPEN HOUSE SUNDAY
1-2:30p
📍 1528 Eastridge Dr •38120
💰 $389,999
4 Beds 🛏️
2 Full 2 Half Baths 🛁
Approx 2,926 sqft

💁🏻‍♀️Kathryn Garland
Crye-Leike, Realtors
📱901-644-8751
☎️901-766-9004
📧 [email protected]

09/25/2026

One of the regrets sellers make is spending too much on upgrades they may never recover. Before listing, focus on repairs that improve a buyer's first impression: fix obvious maintenance issues, freshen up paint, improve curb appeal, deep clean, and declutter. Expensive remodels often don't return their full cost, especially if the finishes don't match what buyers want. The goal isn't to create a brand-new home; it's to present a well-maintained one that appeals to the widest range of buyers. Before investing thousands of dollars, let's walk through your home together. I can help you identify which improvements are worth making and which ones you can confidently skip.

Learn more at https://BetterHomeowners.com/KathrynGarland/2026/09/25/What-Should-I-Fix-Before-Listing-My-Home

Helping homeowners when they buy, sell and all the years in between.
(901) 644-8751 [email protected]

09/24/2026

One of the biggest mistakes sellers make is assuming every improvement requires a full‑scale remodel.Simple smart home features like programmable thermostats, video doorbells, smart locks, security cameras, and energy-efficient lighting can modernize your home and improve everyday living. Many buyers appreciate these features because they add convenience, security, and potential energy savings without a huge investment. If you're considering upgrades before selling, or simply want to increase your home's functionality, focus on improvements that offer broad appeal rather than expensive gadgets with limited value. Wondering which upgrades make the most sense for your home and your market? I'd be happy to help you prioritize projects that provide the greatest benefit today and the best return when it's time to sell.

Learn more at https://BetterHomeowners.com/KathrynGarland/2026/09/24/What-Smart-Home-Upgrades-Are-Worth-It

Helping homeowners when they buy, sell and all the years in between.
(901) 644-8751 [email protected]

09/23/2026

Most people think the biggest tax benefits of homeownership are deducting mortgage interest and property taxes, but with nearly 90% of taxpayers now taking the standard deduction, some of the most powerful advantages may actually come later through capital gains exclusions when selling and stepped-up basis rules when property is inherited. Homeownership can be about much more than monthly payments; it can also play an important role in long-term wealth building and family planning.

Helping homeowners when they buy, sell and all the years in between.
(901) 644-8751 [email protected]

While many homeowners focus on mortgage interest deductions, two of the most valuable and overlooked tax benefits may actually be the capital gains exclusion and stepped-up basis for inherited property.

09/22/2026

New Price! Take a look at the new price for 49 S CENTURY ST, Memphis.
Listed By Kathryn Garland

Kathryn Garland
Crye-Leike Realtors
901.644.8751 Cell
90.766.9004 Office
[email protected]
www.kathryngarland.com

OFFICIAL LISTING website. 49 S Century St, Memphis, TN 38111, 3 bedrooms, 2 bathrooms, asking price of $315,000, MLS ID 10225715

09/22/2026

One of the biggest mistakes I see sellers make is assuming buyers will overlook little things. In reality, small details often shape a buyer's first impression and influence how they perceive the home's overall value. The good news is that many of the most effective improvements are simple and affordable. If you're thinking about selling, I'd be happy to recommend which updates are worth doing and which ones you can skip, so you can make the best first impression possible. Reach out anytime for a no-obligation consultation.

Learn more at https://BetterHomeowners.com/KathrynGarland/2026/09/22/Small-Improvements-Can-Create-Big-Perception-Shifts-with-Buyers

09/18/2026

The face of first-time homebuyers has changed dramatically according to the NAR 2025 Profile of Buyers & Sellers. In 1985, married couples made up a whopping 75% of first-time buyers, and today, it's just 50%. Meanwhile, single women have surged from 11% to 25%, and unmarried couples have nearly tripled from 4% to 11%. The American Dream is evolving; are you ready to claim your piece of it? Don't wait for trends to pass you by...start your journey today!

Learn more at https://BetterHomeowners.com/KathrynGarland/2026/09/18/Rewriting-the-Rules-of-Homeownership

Helping homeowners when they buy, sell and all the years in between.
(901) 644-8751 [email protected]

09/18/2026

New to Market!
Take a look at my new listing at 2297 LOVITT DR, Memphis.
Listed by Kathryn Garland

Kathryn Garland
Crye-Leike Realtors
901.644.8751 Cell
90.766.9004 Office
[email protected]
www.kathryngarland.com

OFFICIAL LISTING website. 2297 Lovitt Dr, Memphis, TN 38119, 3 bedrooms, 2 bathrooms, asking price of $279,900, MLS ID 10230599