A Guide To Buying Your House

A GUIDE TO

BUYING YOUR HOME

Cell: 901-500-8034 901-390-HOME | www.captainandco.realestate 841 S. Cooper St. | Memphis, TN 38104

Success Is Measured By How Happy My Clients Are! “The best REALTOR experience ever. We’ve worked with many over the years that have been good and did their jobs, but Fara went above and beyond during every phase of the process from start to finish. Will definitely use her again and will recommend her to anyone I know looking for a REALTOR!” - SATISFIED BUYER “We could not have asked for a better realtor. Fara hustled so hard for us and always went above and beyond our expectations. This was our first time buying a house and she made us comfortable and confident through the whole process. We’re recommending her to all our friends.”

- SATISFIED BUYER As stressful and nerve-wracking as the home-buying process can be, Fara did so much to make it easy & comfortable as possible. We always felt like we had someone who was on our side, looking out for our best interests, we always knew what to expect every step of the way.”

- SATISFIED BUYER “Fara was the absolute best. Always was in communication with us at all times. I couldn’t imagine a better experience. Fara was the best!”

- SATISFIED BUYER “Fara is hard working, diligent, and dedicated to her clients. She was always easily accessible for open houses and answered our questions in a professional and knowledgeable manner. Fara understood and anticipated our needs throughout the home buying process. We highly recommend Fara’s services to anyone.”

- SATISFIED BUYER “Fara is everything you need in a REALTOR. Responsive, flexible, and calm in the most insane of crisis. I would have lost my mind without her and am so grateful to the friend who recommended her to me. Call her immediately.”

- Satisfied Buyer “We love Fara! She helped us sell our house and now buy our new house. We never felt any anxiety at all knowing that Fara was controlling everything. She is the best and I can’t recommend her enough!”

- SATISFIED BUYER

www.captainandco.realestate

Why Call The Captain As Your Next Buyer’s Agent?

Fara Captain is an Accredited Buyer Representative (ABR®). In her early 20’s, she decided it was time to buy her own home. However, despite her efforts, she was constantly dismissed by Veteran agents and was left feeling lost and disappointed. This unsavory experience was the very reason the Captain decided to become an agent and change the game altogether. She believes in walking through the buying process with an initial sit down meeting. She is well-known by her clients to “hold their hand” through the process and turn a supposedly stressful journey into a fun enjoyable experience. Whether you are a first time home buyer or simply want the latest buying experience to be better than the first one, she will ensure your needs are met.

According to Realtor.com, “An ABR® is your ace in the hole when buying a home. When every dollar counts, it pays to have someone trained to negotiate the price, terms, and conditions to your advantage: Only a buyer’s agent can do that for you.” An ABR® agent does this and MORE! That’s why the Captain went the extra mile and got the specialized training to ensure that she is delivering the BEST in her buyer-representation services. As an ABR®, she is dedicated to providing her clients with exceptional services, including but not limited to the below: · Informing you all she knows about the seller*, while keeping your information confidential. · Paying full attention to your needs and housing specifications. · Negotiating on your behalf and attempting to solve problems to your advantage and satisfaction. * Some information regarding both parties must always remain confidential. In rare cases, an agent mediates the transaction between the buyer and the seller. Ask Fara for more details about being a facilitator.

Your purchase helps Captain & Co. build one home a year for a family in need.

Fara Captain ~ Broker/Owner 901-390-HOME | www.captainandco.realestate 841 S. Cooper St. | Memphis, TN 38104

901-390-HOME

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What Is An ABR® YOUR ACCREDITED BUYER’S REPRESENTATIVE IS A TRAINED EXPERT ON BUYING HOMES. But he or she is not the only person with helpful advice. Consider

these home-buying tips from other consumers - people who recently completed their own real estate transaction and the suggestions they’d offer to other buyers.

1. M ake sure you’re working with someone you trust.

2. M arket knowledge and experience are important, but the best agent is one who will take the time to get to know you and understand your housing needs, as well as your personality and communication preferences.

3. R ead all agreements and ask questions about anything you don’t understand.

4. T ake time to do homework on your needs and wants. Get a solid grip on what’s essential (whether it’s price, location, certain home features, etc.) versus what’s ‘nice-to-have.’ Your agent will be more successful in helping you find the right home if you’re able to clearly communicate your preferences.

5. D on’t waste time viewing properties that might not fit your needs. For instance, if you’re uncertain about the neighborhood, drive by the home on your own and ask yourself if you’d be happy in this area.

6. T he real estate search process can be stressful, but don’t buy a home that doesn’t feel right. After all, this will be your ‘home’, the place where you’ll be living, eating and sleeping for years to come.

7. C ommunicate fairly and honestly with your agent. If anything starts going amiss, discuss it immediately.

8. T heir experience gives them important insights into future resale values, up-and-coming neighborhoods, easy home modifications, and other factors that buyers may not be attuned to.

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www.captainandco.realestate

QUALIFICATION Lifetime Real Estate Advisor

Highly motivated, organized, results-driven, and astute professional, with a proven track record of 96% Sales price/List Price, an Average of only 28 days on Market, and 100% Customer Satisfaction. Broker/Owner of Captain & Co. Real Estate LLC, the leading real estate company in Memphis, Tennessee. An articulate communicator, decisive leader with strong negotiation abilities. Experience, expertise and skill-set include: • Responsive • Hard-working • Contract Coordination

• Strategic Marketing • Win-Win Negotiation • Relationship Management

• Reliable and Trustworthy • Team Player • Energetic

EDUCATION University of California, Davis, graduated 2007 Bachelor of Science, Civil Engineering RELEVANT COURSEWORK/QUALIFICATIONS

CERTIFICATION:

Council of Residential Specialist (CRS) Accredited Buyer Representative (ABR®) Seller Representative Specialist (SRS) Graduate REALTORS® Institute (GRI) Leading RE Relocation Specialist Ninja Selling Certification At Home with Diversity® TN Association of Realtors: Academy of Real Estate Advancement Class of 2019

WORK EXPERIENCE 2019-CURRENT Broker/Owner, Captain & Co. Real Estate LLC Memphis, TN

• Assisting Veteran & First Time Home Buyers through the process.

• Assisting Veteran and First Time Home Sellers through the process

• Providing a customized marketing plan, staging and guidance with repairs.

Brokerage License #264340 & Broker’s License #00327698 2013-2019 Affiliate Broker, Crye-Leike, REALTORS® Midtown Office #1 Agent 2016 through 2018.

Winner of Yelp’s Favorite REALTOR® 2014 & 2015 Memphis Magazine, October 2015, Women to Watch Broker’s License #00260926 & Affiliate Broker’s License #00327698

Memphis, TN

2006-2013 Project Manager/Project Engineer/Intern California & Louisiana Mildred Osborne School, $21 million, 97,000 SF. Audubon School, $12 million, 55,000 SF. El Camino Hospital Replacement Facility, $262 Million, 469,304 SF. (Award of Merit in Healthcare by McGraw Hill) Golden Gate Bridge Seismic Retrofit, $155 Million.

LEADERSHIP ACTIVITIES/INTERESTS • Memphis Inner City Rugby Board Member-Current • MAAR Education Board of Trustee 2018-Current • Kindred Place Board Member-Current • MAAR MLS Committee Member 2017 • W omen’s Foundation Greater Memphis-Grants Committee 2018-19 • Board Member Central Gardens Association 2014-2017 • Memphis Area Association of Realtors (MAAR) 2013-Current • Memphis Women’s Rugby Club- Fundraising Chair 2013-2014 • 2018 President-Young Professionals Network 2015-2018 • Memphis Inner City Rugby Coach 2014-2016 •M emphis Rugby Foundation, Land Acquisition Chair 2015-2017 • Youth Villages Mentor 2014-2015 •C hamber of Commerce SoundCheck Young Professionals Network 2018-Current Other passions: family, rugby, soccer, travel, Memphis revival & volunteering. **References upon request.

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Should You Rent Or Buy? Speak to a lender to make sure you are qualified.

NO

Do you plan to be in this home for five or more years?

YES

YES

Are you pre-qualified?

YES

NO

CALL THE CAPTAIN! Do you have an emergency fund?

YES

NO

Have you spoken with a lender?

NO

RENT

BUY

YES

Are you willing to be your own landlord?

NO

By the time of purchase, will you have enough cash saved for a down payment plus fees?

YES

Have you lived in the area before?

YES

NO

NO

YES

NO

NO

YES

Will buying a home wipe out all your savings?

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YES

Do you have a credit score in the mid-600s or above?

Are you saving for other major financial goals?

NO

YES

Can your budget handle not only your mortgage but also the taxes, maintenance, and incidental costs on a monthly basis?

www.captainandco.realestate

NO

Home Buyer Diagram BUYER Capital Initial Consultation Entire Process Overview Buyer Agency Agreement Market Education - MLS Viewing Property

Pick a Lender Submit Loan Application

Select a Home To Buy Write the Offer

Loan Approval Subject to Approval Offer Presented to Seller Negotiation of Terms

Provide Documents to Closing Attorney

ACCEPTED SALES CONTRACT

Schedule Inspections Schedule Survey (if wanted)

Earnest Money Dropped Off

Confirm with Your Bank they can Wire Funds

Termite____ Home Inspection____ Sewer Line Inspection ____ Roof Inspection____ Survey____ Structural____ HVAC Inspection____ Chimney Inspection____ Speak with Your Lender to Schedule Property Appraisal

Perform Inspections

If Inspection Issues Not Resolved

Inspection Issues Resolved

Back to Flow Box of Finding a House

Arrange Homeowner’s Insurance Arrange for Movers

Loan Commitment

Sign Closing & Loan Papers at the Attorney’s Office Loan Funded - Title Recorded “Swap” Takes Place

HAPPY HOME OWNER! 901-390-HOME

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Dos and Don’ts on Property Tours

Property tours are fun! You get to imagine yourself living in new spaces and, perhaps, learn something new about your priorities and preferences.

It’s also relatively easy to make mistakes while touring properties—mistakes that could anger the seller, hurt your negotiating position, or worse. For the best results, follow these tips:

 DONT’S

 DOS

DO ASSUME THE OWNER IS WATCHING  1. AND LISTENING.

Surveillance cameras are increasingly common and used to monitor buyers’ behavior and comments on property tours. It’s an easy and effective way for owners to safeguard their property and gauge a buyer’s interest, for negotiating purposes.

Comments and movements outside the home, in the driveway or the yard, may also be scrutinized, with or without cameras.

Owners have been known to watch from neighbors’ windows or recruit neighbors to spy on their behalf.

2. DO USE YOUR IMAGINATION.  Every homeowner has different tastes. If a house doesn’t reflect

your style, what easy and potentially inexpensive changes can you make, including fixtures, window treatments, and paint?

Several paint companies offer augmented reality (AR) apps to view walls in different colors, via your phone. Similarly, some retailers provide AR apps for viewing virtual furniture in a room.

Use these tools to help envision your own style in a home.

3. DO ENVISION YOUR LIFE AT THE HOUSE  Does it feel like you found “the one”? Often, I can tell from

your facial expressions and body language if it’s the right house.

It’s typically a feeling that occasionally meets the checklist but overall simply “feels right”. If you feel that the house meets all of your criteria items, I will ask you to take another walk through envisioning your furniture and decor. Additionally, I will ask you to envision your daily flow of life through the house as you walk through each room. Do you picture yourself living here every day? If the answer is yes, we are ready to make an offer.

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4. DON’T BRING AN ENTOURAGE.  Relatives and friends may enjoy tagging along or providing

personal advice, but they’re also a distraction, shifting the focus away from YOUR interests and concerns. Plus, the things they say and do could hurt your negotiating position.

DON’T TAKE PHOTOS OR VIDEO  5. (OR USE LIVE-STREAMING SERVICES).

In today’s world, people take photos wherever they go. When touring homes, however, remember that you’re on someone else’s property. Unless the owner has granted permission, you may be violating state laws.

Even if you’re allowed to take pictures, don’t share them on social media sites. It’s another way to hurt your negotiating position and invade the owner’s privacy. Wait until it’s YOUR house.

ON’T HELP YOURSELF TO THE  6. DBATHROOM.

Yes, it’s fine to flush the toilets and test the water faucets. It’s also okay to open cabinets, drawers, and closet doors. But check with your buyer’s rep before “using” a toilet. The owner may have preferences regarding this. Better yet, schedule a pit stop before starting the tour.

7. DON’T PARK IN THE DRIVEWAY  Based on the time slots of the showing, the seller may be leaving

the house as we arrive. Or the Seller may be arriving as we are leaving the showing. For this reason, we ask our buyers to park on the street when possible. There have also been times when buyers have destroyed yards when backing out driveways.

To reduce your liability of damaging the Sellers property, we suggest parking on the street when possible.

www.captainandco.realestate

Common Myths and Misunderstandings about Shopping for Homes You’ve been searching for homes online, driving by interesting properties in your car, and found one that looks perfect. What do you do next?

Contact the agent featured on the yard sign and the online listing? While that may sound like the most logical step, it’s a common home buying mistake based on several myths and misunderstandings:

Assumption: It’s best to contact the listing agent because they’re already familiar with the property.

Sure, the agent on the yard sign knows the property, but that’s because they’ve been hired by the owners to help sell it. That’s what listing agents do. Their job is to represent sellers in property transactions, marketing properties to potential buyers and helping sellers earn as much as possible on the sale.

Does that sound like an agent who will be looking out for YOUR best interests? Buyers will be better served if they avoid the listing agent (anything you tell them may hurt your negotiating position) and select a buyer’s agent to arrange a showing— someone who will represent your interests ina transaction.

Assumption: I’ll save money Assumption: All real estate on commissions if I work agents are basically the with the seller’s agent. same, so I might as well contact this one.

Not true. Commissions paid to the buyer’s and seller’s agents are predetermined and written into the listing agreement; in most cases, if the listing agent brings a buyer to the table (because the buyer contacted them directly) that brokerage will earn both sides of the commission.

That means buyers don’t necessarily save anything by going directly to the listing agent.

More importantly, when a buyer approaches the listing agent, they’ve potentially lost a vital opportunity to receive loyalty, confidentiality and other fiduciary duties that buyer’s agents owe their clients.

901-390-HOME

Again, not true. As in all professions, some real estate agents deliver a higher standard of service than others. One way to make sure you’re working with a professional who’s already received special training in representing buyers is to find an agent who’s earned their Accredited Buyer’s Representative (ABR®) designation—an official designation certified by the National Association of REALTORS®.

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_____________________________________________ NAME

_____________________________________________ DATE

PERSONAL CASH FLOW WORKSHEET Record each expense on either a monthly or annual basis.

Approximate monthly amount available to fund and protect your goals:

INCOME

Money in

Monthly

Annually

Income (gross) (net) Dividends, interest, capital gains Social Security Pension Other income

SHARE

Total Annual Money in: Monthly

Annually

Church Charitable contributions

Total Annual Contributions:

SAVE

Monthly

Annually

Emergency savings Retirement savings Other savings

Total Annual Savings: Housing and Maintenance

Monthly

Annually

Mortgage/rent Home equity loan/line of credit payments Property taxes Homeowners/renters insurance

SPEND

Utilities (gas, electric, sewer, etc.)

Maintenance/repair/association fees Furniture, decorations, lawn, etc.

Total Annual Housing and Maintenance: Transportation

Monthly

Annually

Loan/lease payments Auto insurance premiums Auto registration/taxes Gas/maintenance Public transportation

Total Annual Transportation: Page 1 of 2—Only valid with all pages.

Health Care

Monthly

Annually

Medical insurance premiums (e.g., payroll deductions) Health Savings Account (HSA), Flexible Spending Account (FSA) Co-pay/out of pocket Prescriptions

Total Annual Medical: Other Expenses Income taxes (paid prior year)

Monthly

Annually

– Federal: – State:

SPEND

Student loan payments Credit card payments Insurance premiums Food/groceries Phone/television/Internet Children (e.g., support, daycare, activities) Clothing/personal care Education Financial planning/legal/tax accounting fees Pets Vacations/travel Gifts/holidays Other:

Total Annual Other: Total Money In - Total Money Out=

Madison Derden Financial Associate madison.derden@thrivent.com connect.thrivent.com/madison-derden Suite 2759, 5100 Poplar Ave Memphis, TN 38137 501-940-9026 AR License 18884289

THRIVENT IS THE MARKETING NAME FOR THRIVENT FINANCIAL FOR LUTHERANS. Insurance products issued by Thrivent. Not available in all states. Securities and investment advisory services offered through Thrivent Investment Management, Inc., a registered investment adviser, member FINRA and SIPC, and a subsidiary of Thrivent. Licensed agent/producer of Thrivent. Registered representative of Thrivent Investment Management, Inc. Advisory services available through investment adviser representatives only. Thrivent.com/disclosures.

Thrivent.com • 800-847-4836 Page 2 of 2—Only valid with all pages.

33312X R12-18

Send your inspection list to us to STRUCTURE Addition (foundation to roof) Basement entrance Basement main beam Basement support post/foundation Excavation/Waterproofing Foundation cracks (excavation method) Foundation cracks (injection method per crack) Masonry wall (single story) Lower basement Remove bearing wall Remove partition wall Re-support floor joist (sistering) Roof sheathing (replace) Underpinning Termite prevention (chemical soil treatment)

$95-$130/sq ft $5250-$10500 $2100 $500-$1000 $125-$175/sq ft $525-$1100 $500 $525-$800/lin ft $200-$425 $2100-$3200 $850-$1700 $325-$525 $6-$8/sq ft $325-$525/lin ft $2100

WALL SYSTEM Aluminum siding Brick veneer Brick cleaning (unpainted) Brick cleaning (painted) Brick repainting Cedar siding Stucco Vinyl siding

$5-$6/sq $10-$25/sq $3/sq $6/sq $6-$8/sq $10-$15/sq $10-$15/sq $5-$6/sq

EXTERIOR Aluminum storm door Metal insulated door Patio door (replace) Patio door (brick wall 6 ft) Patio door (wood wall 6 ft)

$375 $675-$800 $775-$1600 $2600-$3600 $2100-$3100

SLOPED ROOFS Asphalt shingle (strip & re-shingle) Asphalt shingle (high quality) Cedar shake/shingle Clay tile Concrete tile Wood shake/shingle Slate tile FLAT ROOFS Roll roofing asphalt (90 lb) 4 ply (tar gravel) Shingle ply membrane

$2-$5/sq $3-$7/sq $7-$10/sq $7-$10/sq $9-$13/sq $6-$8/sq $30-$55/sq

ft ft ft ft ft ft ft ft

ft ft ft ft ft ft ft

$2-$3/sq ft $6-$11/sq ft $6-$11/sq ft

GUTTERS Gutter cleaning Gutter/Downspout (aluminum) Gutter/Downspout (galvanized) Downspout extension Soffits/Fascia (aluminum)

$300 $7-$9/lin ft $6-$7/lin ft $16 $16/lin ft

FLASHING Chimney flashing (asphalt) Chimney flashing (flat build-up) Metal cricket at chimney Parapet wall flashing Roof vent flashing Reflash skylight Valley flashing Wall flashing

$250-$500 $350-$600 $250-$500 $32/lin ft $125 $425-$625 $21-$32/lin ft $6-$7/lin ft

CHIMNEY Chimney extension Chimney repointing Concrete cap (single flue) Concrete cap (double flue) Rain cap Reline flue Chimney sweep

$150-$275/lin ft $8-$11/brick $100-$275 $200-$425 $125+ $45-$55/lin ft $350

GARAGE RETROFIT AtticDetached ventilatorcarport (mechanical) Detached wood frame (single) Ceiling fan Detached wood frame (double) Doorbell system Dryer duct Detached block (single) Hardwired smoke detector Detached block (double) Removal of existing garage Exhaust fan (bathroom) Exhaust fan (oven) OVERHEAD DOORS Exterior light fixture Automatic garage door opener Fluorescent light fixture Cladboard (single) Ground (public (double) system w/ ground rods) Cladboard Receptacle (conventional) Metal (single 1 piece) Receptacle (split) 1 piece) Metal (double Receptacle (exterior w/ cover) Wood (single 1 piece) Receptacle (replace conv w/ GFCI) Wood (double sectional) Receptacle (stove/dryer) DRIVEWAY Receptacle (rewire reverse polarity) Asphalt paving (existing base) Standard light fixture Asphalt paving (new base) ELECTRICAL UPGRADES Asphalt (seal) 100 amp (new (stamped) panel) Concrete 100 amp (existing panel) Interlock brick/stone 200 amp (new panel) LANDSCAPING 200 amp (existing panel) Lay soil & sod 120/240-volt circuit Sprinkler Breaker panel system (main) Retaining (concrete) Breaker panel wall (auxiliary) Retaining (wood) Circuit breakerwall (replace) Knob & tube wiring (replace) DECK Pressure treated/cedar Custom designed & built FORCED-AIR SYSTEM PATIO Air duct (new) Concrete Air duct (retrofit) Flagstone/Fieldstone Annual service Interlock Blower motor brick/stone Patio Clean ductstone Convert oil to gas (1 story) PORCH Convert hot water to forced air (1 story) Flooring Electronic air filter Railing Gas (mid efficiency) Skirting Gas (high efficiency) Steps (concrete) Humidifier (drum type) Steps (wood) Humidifier (flow through type) Existing chimney flue (metal) FENCE Chain-link (h 4 ft) AIR CONDITIONER/HEAT PUMP Wood (cedar h 6 ft) Air handler 3-ton (vertical) Wood (pressure treated h 6 ft) Air handler 3-tonin(horizontal) Reset post concrete Central A/C existing duct Central A/C attic mounted (separate duct) Compressor (replace) Condenser (replace) Heat recovery ventilator (HRV) Heat pump HOT WATER SYSTEM Circulating pump Cast iron radiator Expansion tank Gas boiler (standard) Gas boiler (high efficiency) Removal of oil tank from basement Radiator/boiler removal Radiator Radiator valve These estimates reflect the average

$5250+ $385 $10500+ $250+ $15750+ $100-$250 $125-$200 $21000+ $75-$150 $26250+ $1575+ $150-$200 $250-$325 $125-$275 $475 $175-$275 $625-$850 $250-$325 $1050-$1275 $60-$175$900 $130-$200 $1350 $175-$275 $1050 $100-$150 $1900 $100-$150 $50-$80 $5-$7/sq ft $125-$225 $5-$8/sq ft $65-$80 $1200-$1600 $7-$11/sq ft $750-$1100 $11-$13/sq ft $2100-$2600 $1250-$1600 $3-$6/sq ft $250-$525 $1200+ $775-$950 $55/sq ft $125-$325 $45/sq ft $75-$125 $7500-$13000 $15-$30/sq ft $55-$80/sq ft $4200+ $16-$25/sq ft $6300+ $21/sq ft $200+ $11-$16/sq ft $375-$525 $6/sq ft $180-$325 $2500-$3300 $7500-$11000 $8/sq ft $625-$950 $225+ $2600-$3300 $21/lin ft $3600-$4700 $525 $100-$175 $325 $400-$475 $600-$1100 $10-$20/lin ft $25-$40/lin ft $1400-$1900 $18-$30/lin ft $1800-$2100 $80 $2500-$5000 $11000+ $1500-$1800 $1800-$2700 $1800-$2700 $5200-$6500 $600-$800 $600-$800 $300-$450 $3000-$4800 $6500-$11000 $400-$650 $1500-$2600 $600-$950 $125-$225 costs for supplies

basic & installation of building materials in the U.S. Costs may vary depending on regions, upgrades, complexity, and disposal fees. Please contact Home Inspection Solutions at 901-592-1008 or quotes@timelysolutions.net to receive a more accurate estimate.

Estimate Guide get an estimate within 48 hours.

GARAGE BATHROOM PLUMBING Detached carport Basin (pedestal type) Detached wood frame (single) Basin (vanity) Detached wood frame (double) Bathtub (replace/retile) Detached block (single) Shower connection Detached block (double) Shower stall (plastic) Removal of existing garage Shower stall (ceramic tile) OVERHEAD DOORS Toilet (flush mechanism) Automatic garage door opener Toilet (replace) Cladboard Toilet (replace seal)(single) Cladboard (double) Toilet (unclog) Metal (single 1 piece) Tub enclosure (ceramic tile) Metal (double 1 piece) Tub enclosure (plastic) Wood (single 1 piece) WhirlpoolWood bath (double sectional)

$375+ $5250+ $10500+ $250+ $15750+ $2500+ $21000+ $250+ $26250+ $900-$2000 $1575+ $2500-$3300 $125-$175 $475 $425 $625-$850 $125-$275 $1050-$1275 $125-$225 $900 $2500-$3300 $1350 $600-$1275 $1050 $4250 $1900

KITCHENDRIVEWAY PLUMBING Dishwasher Asphalt paving (existing base) Garbage Asphalt disposalpaving (new base) Range hood Asphalt (seal) Sink (porcelain) Concrete (stamped) Sink (stainless steel) Interlock brick/stone

$675-$950 $5-$7/sq ft $200-$425 $5-$8/sq ft $350-$525 $65-$80 $750-$900 $7-$11/sq ft $650-$800 $11-$13/sq ft

PLUMBING UPGRADE LANDSCAPING Hose bibb Lay soil & sod Hot water tank (40-gal electric) Sprinkler system Hot water tank (40-gal Retaining wallgas) (concrete) TanklessRetaining water heater wall (wood) Laundry tub/connection DECK Main water service Pressure Main shut-off valvetreated/cedar Custom designed & built Sump pump Supply lines (1 story – up to 2 baths) PATIO Temperature & pressure relief valve Concrete Water softener Flagstone/Fieldstone Waste drain lines Interlock brick/stone Patio stone

$125-$175 $3-$6/sq ft $600-$1400 $1200+ $800-$1600 $55/sq ft $2000-$3000 $45/sq ft $350-$550 $175-$225/lin ft $15-$30/sq ft $175-$325 $55-$80/sq ft $175-$275 $1850-$2600 $60-$100 $16-$25/sq ft $925-$1600 $2600-$4200 $21/sq ft $11-$16/sq ft $6/sq ft

PORCH Flooring Railing Skirting Steps (concrete) ROOF COVERING Steps (wood) Asphalt standard shingle FENCEshingle Asphalt premium Chain-link (h 4 ft) Wood shingle Wood (cedar h 6 ft) Concrete/Clay tile Wood (pressure treated h 6 ft) Asbestos cement Reset post in concrete Slate tile

$8/sq ft $225+ $21/lin ft $525 YEARS $325 12-15 15-30 $10-$20/lin ft 10-20 $25-$40/lin ft 20-40 $18-$30/lin ft 40-80 $80 40-80

HEATING Forced air furnace Oil tank Water/Steam boiler (welded steel) Water/Steam boiler (cast iron) Water/Steam circulating pump

YEARS 10-25 40 15-30 30-50 10-25

Roll roofing Tar & gravel Metal

5-15 15-25 60

901.592.1008 qoutes@timelysolutions.net COOLING YEARS timelysolutions.net Central air 10-15 Heat pump Window air conditioning

10-15 10-20

PLUMBING YEARS Thesewater estimates reflect the average basic costs for supplies Galvanized pipe 20-25 Hot water heater 5-15 may vary & installation of building materials in the U.S. Costs Septic/Sewer pump 5-10 depending on regions, upgrades, complexity, and10disposal Well pump

fees. Please contact Home Inspection Solutions at

APPLIANCES YEARS 901-592-1008 or quotes@timelysolutions.net to 5-12 receive Dishwasher Dryer 10-25 more accurate estimate.

Garbage disposal 5-12 Oven/Range 15-20 Washing machine 5-15

a

WINDOWS Awning Awning/Casement (replace) Bay/Bow Casement Double hung Double hung (replace) Skylight Slider (aluminum) Slider (aluminum replace) Storm (aluminum) Thermal glass (existing frame) KITCHEN/BATHROOM Kitchen cabinet Kitchen counter (laminate) Kitchen counter (marble) Kitchen renovation Bathroom renovation FLOOR Carpet clean Carpet (outdoor) Carpet & underpad Ceramic tile Hardwood Hardwood (prefinished) Hardwood (refinish) Vinyl (sheet) Vinyl (tile)

$55/sq ft $50/sq ft $50-$70/sq ft $63/sq ft $53/sq ft $42/sq ft $800+ $32/sq ft $27/sq ft $75-$200 $32/sq ft $50-$125/lin ft $45/lin ft+ $80/lin ft+ $7500+ $5250+ $150 $5/sq ft $3-$11/sq ft $6-$11/sq ft $6-$11/sq ft $11-$16/sq ft $3-$6/sq ft $4-$9/sq ft $4-$9/sq ft

DOORS Bi-fold louver Bi-fold panel Custom w/ casing/hardware Exterior (panel) Interior (panel) French Patio Storm (aluminum)

$850 $625 $525 $1050 $525 $1050 $2100 $200-$325

STAIRS/RAILINGS Curved stair (oak 7 risers) Spiral stair (oak) Standard stair (oak 7 risers) Stair railing

$7350+ $5250+ $1050+ $42-$63/lin ft

INSULATION Rigid exterior (prior to finish) R20 (batt) R20 (loose) R32 (batt) R32 (loose) Wall/Roof cavity

$1-$2/sq $1-$2/sq $1-$2/sq $2-$3/sq $2-$5/sq $2-$5/sq

FIREPLACES Damper Brick replacement Gas insert Flue cleaning Metal box insert Masonry w/ flue rough-in Wood stove CEILING/WALL Acoustic ceiling (suspended) Baseboard/Door/Window casing Drywall over plaster Plaster (over existing plaster) Stucco/Stipple Walls (insulations/drywall) Walls painting (3 coats) Wallpaper SECURITY SYSTEM Intercom system

ft ft ft ft ft ft

$600+ $400-$1050 $2600-$4200 $250-$300 $1050-$2600 $5250+ $1575-$3500 $6/sq $4/lin $3-$4/sq $3-$4/sq $3/sq $4/sq $2/sq $6-$11/sq

ft ft ft ft ft ft ft ft

$1500

10% OFF labor when you mention

BATHROOM PLUMBING Basin (pedestal type) Basin (vanity) Bathtub (replace/retile) Shower connection Shower stall (plastic) Shower stall (ceramic tile) Toilet (flush mechanism) Toilet (replace) Toilet (replace seal) Toilet (unclog) Tub enclosure (ceramic tile) Tub enclosure (plastic) Whirlpool bath KITCHEN PLUMBING Dishwasher Garbage disposal Range hood Sink (porcelain) Sink (stainless steel) PLUMBING UPGRADE Hose bibb Hot water tank (40-gal electric) Hot water tank (40-gal gas) Tankless water heater Laundry tub/connection Main water service Main shut-off valve Sump pump Supply lines (1 story – up to 2 baths) Temperature & pressure relief valve Water softener Waste drain lines

$375+ $250+ $2500+ $250+ $900-$2000 $2500-$3300 $125-$175 $425 $125-$275 $125-$225 $2500-$3300 $600-$1275 $4250 $675-$950 $200-$425 $350-$525 $750-$900 $650-$800 $125-$175 $600-$1400 $800-$1600 $2000-$3000 $350-$550 $175-$225/lin ft $175-$325 $175-$275 $1850-$2600 $60-$100 $925-$1600 $2600-$4200

ROOF COVERING Asphalt standard shingle Asphalt premium shingle Wood shingle Concrete/Clay tile Asbestos cement Slate tile Roll roofing Tar & gravel Metal

YEARS 12-15 15-30 10-20 20-40 40-80 40-80 5-15 15-25 60

HEATING Forced air furnace Oil tank Water/Steam boiler (welded steel) Water/Steam boiler (cast iron) Water/Steam circulating pump

YEARS 10-25 40 15-30 30-50 10-25

COOLING Central air Heat pump Window air conditioning

YEARS 10-15 10-15 10-20

PLUMBING Galvanized water pipe Hot water heater Septic/Sewer pump Well pump

YEARS 20-25 5-15 5-10 10

APPLIANCES Dishwasher Dryer Garbage disposal Oven/Range Washing machine

YEARS 5-12 10-25 5-12 15-20 5-15

WINDOWS Awning Awning/Casement (replace) Bay/Bow Casement Double hung Double hung (replace) Skylight Slider (aluminum) Slider (aluminum replace) Storm (aluminum) Thermal glass (existing frame)

901.592.1008 qoutes@timelysolutions.net timelysolutions.net KITCHEN/BATHROOM Kitchen cabinet Kitchen counter (laminate) Kitchen counter (marble) Kitchen renovation Bathroom renovation FLOOR Carpet clean Carpet (outdoor) Carpet & underpad Ceramic tile Hardwood Hardwood (prefinished) Hardwood (refinish) Vinyl (sheet) Vinyl (tile)

$55/sq ft $50/sq ft $50-$70/sq ft $63/sq ft $53/sq ft $42/sq ft $800+ $32/sq ft $27/sq ft $75-$200 $32/sq ft $50-$125/lin ft $45/lin ft+ $80/lin ft+ $7500+ $5250+ $150 $5/sq ft $3-$11/sq ft $6-$11/sq ft $6-$11/sq ft $11-$16/sq ft $3-$6/sq ft $4-$9/sq ft $4-$9/sq ft

These estimates reflect the average basic costs for supplies & installation of building materials in the U.S. Costs may vary depending on regions, upgrades, complexity, and disposal fees. Please contact Home Inspection Solutions DOORS at 901.592.1008 or Bi-fold louver $850 Bi-fold panel $625 quotes@timelysolutions.net Custom w/ casing/hardware $525 Exterior (panel) $1050 to receive a more accurate estimate.

Interior (panel) French Patio Storm (aluminum)

$525 $1050 $2100 $200-$325

STAIRS/RAILINGS Curved stair (oak 7 risers) Spiral stair (oak) Standard stair (oak 7 risers) Stair railing

$7350+ $5250+ $1050+ $42-$63/lin ft

INSULATION Rigid exterior (prior to finish) R20 (batt) R20 (loose) R32 (batt) R32 (loose) Wall/Roof cavity

$1-$2/sq $1-$2/sq $1-$2/sq $2-$3/sq $2-$5/sq $2-$5/sq

FIREPLACES Damper Brick replacement Gas insert Flue cleaning Metal box insert Masonry w/ flue rough-in Wood stove CEILING/WALL Acoustic ceiling (suspended) Baseboard/Door/Window casing Drywall over plaster Plaster (over existing plaster) Stucco/Stipple Walls (insulations/drywall) Walls painting (3 coats) Wallpaper SECURITY SYSTEM Intercom system

ft ft ft ft ft ft

$600+ $400-$1050 $2600-$4200 $250-$300 $1050-$2600 $5250+ $1575-$3500 $6/sq $4/lin $3-$4/sq $3-$4/sq $3/sq $4/sq $2/sq $6-$11/sq

ft ft ft ft ft ft ft ft

$1500

It’s never been easier to plant your roots.

Whether you’re purchasing your first home or refinancing the one of your dreams, Triumph Mortgage has a variety of loan programs that can be tailored to meet your specific needs.

Your job is to find the perfect home. Our job is to help make it yours.

Welcome to Triumph. Let’s talk growth.

Patti Sachenbacher - Lender for Life NMLS#140576 5904 Ridgeway Center Pkwy., Memphis, TN 38120 901-746-5303 | pattis@triumphmortgage.com

A GOOD LOAN OFFICER WILL

communicate with you in a timely fashion and will be easily accessible. They will always put your best interest first. They will be in constant communication with their underwriting department throughout the process. A good loan officer will take care of all of your lending needs from the beginning to the end. I have worked with plenty of lenders over the years. Finding a good lender can make or break a deal.

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Home Inspection AS A PROSPECTIVE HOME PURCHASER YOU ARE LOOKING AT POTENTIALLY THE LARGEST INVESTMENT YOU WILL MAKE IN YOUR LIFE AND YOU WANT TO MAKE SURE THAT INVESTMENT IS SOUND AND SAFE FOR YOU AND YOUR FAMILY. To help secure your investment we always recommend that you have a professional inspection completed by a certified inspector. A qualified inspector will inspect and evaluate critical areas of the structure, including but not limited to:

Certifications Home Inspection Certified Real Estate Specialist - C Personal Real Estate Consultant,

History •Job Mechanical - heating, air-conditioning, appliances.

• Electrical - wiring, out of date systems.

Graduate Realtors Institute - GRI Available Immediately • Plumbing fixtures, lines, water heaters,purchaser sewers.

As a -prospective home youSenior Real Estate Specialist - SRS Prudential PenFed Realty 2008-Present are&looking at potentially largestRecreational Resort Specialist - RR Foster Realtors 1981- the 2008 •Long Structural - doors, windows, roof,-foundation, drainage, andinvestment environmental hazards. will for make in firm yourShort Sale Foreclosure Certificate Licensed in 1979you - worked a small life and you want to make sureAthat Resort Second Home Property IT IS ALWAYS RECOMMENDED THAT BUYER GET A HOME AND OTHERand INSPECTIONS. investment is sound safe for you Member Coastal Association of Realtors Specialist-RSPS and your family.

Broker Price Opinion - BPOR Maryland Association of Realtors 1031 Exchange Specialist National Association of Realtors REALTOR To help secure your investment we

alwaysinrecommend you have a professional inspection completed b Licensed Maryland &that Delaware MORE THAN INSPECTED.

certified inspector. A qualified inspector will inspect and evaluate crit AMERISPEC INSPECTED. areas Association of themidsouth structure, including but not to: Coastal of Realtors - Director - 3 limited Years Term 901-725-9988of | www.AmeriSpecMidSouth.com Coastal Association Realtors - Treasurer - 2010-2011 • Mechanical - heating, air-conditioning, appliances.

Coastal Association of Realtors - Secretary - 2011-2012 OF SERVICES OFFER ARE: • Plumbing -LIST fixtures, lines,WE water heaters, sewers.

RPAC ChairTHE - 2012 Home Inspections Pool Inspections Chimney Inspections with Chimney-Cam Radon Inspections Mold inspections Aerial Drone Roof Inspections • Electrical - wiring. out of date Education Chairman for Coastal Assnsystems.

- 2009, 2010 • Structuraldoors,2005-2007 windows, roof, foundation, drainage, and Grievance Committee Professional Standards - 2008-2009 environmental hazards.

14 www.captainandco.realestate Finance Committee 2011-present • Environmental and mold.

Do You Have Reserve Funds?

At some point in time, your appliances will reach the end of their life term. Do you have enough saved up to purchase new appliances? If your answer is no, you may want to consider getting a Home Warranty - ask The Captain for details. Listed below is the average life expectancy for many common household appliances. **These are only estimates and were derived from manufacturers’ web sites and consumer resources.**

Major Appliances Water heater, gas....................................................................................................................................................... 11-20 years Water heater, electric.............................................................................................................................................. 13-20 years Refrigerator, side by side..............................................................................................................................................14 years Refrigerator, single door...............................................................................................................................................19 years Washing machine, top load.........................................................................................................................................14 years Washing machine, front load...................................................................................................................................... 11 years Dryer....................................................................................................................................................................................13 years Range, electric.................................................................................................................................................................. 17 years Range, gas..........................................................................................................................................................................15 years Dishwasher........................................................................................................................................................................ 10 years Cook top...................................................................................................................................................................... 13-20 years

Mechanical Systems Air conditioning compressor...............................................................................................................................10-15 years Forced air furnace, heat pump.............................................................................................................................10-15 years Baseboard electric heat system.................................................................................................................................20 years Water pump...................................................................................................................................................................7-10 years Water softener...................................................................................................................................................................20 years

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Home Warranty A home warranty provides repair or replacement coverage for mechanical failures of major systems and appliances. Examples of the systems and appliances are (but not limited to): Air Conditioning System, Heating System, Electrical System, Plumbing System, Water Heater, Oven, Range, Cooktop, Refrigerator, Washer & Dryer, Dishwasher, Garbage Disposal, Sump Pump & Jetted Tub. Anyone can purchase a home warranty; SELLERS, BUYERS, INVESTORS and EXISTING HOMEOWNERS. The warranty offers peace of mind to everyone in a real estate transaction.

It helps the transaction run smoother and keeps everyone happy along the way. It also prevents any kind of buyer’s remorse.

Talk to Bradford Sterling from Choice Home Warranty about details of coverage available in your area and how a warranty can help you.

AT CHOICE HOME WARRANTY, OUR FOCUS IS ON QUALITY...

providing quality home-warranty products to our customers, following up with quality customer service when our homeowners contact us, building quality business relationships with our contractors, and ensuring quality work from our contracted technicians.

WHAT’S COVERED UNDER YOUR POLICY Single-Family Home (under 5,000 sq. ft.)

BRADFORD STERLING bsterling@choicehomewarranty.com For All Orders & Questions Call me: 901-870-2334 realtor.choicehomewarranty.com

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SYSTEMS & APPLIANCES COVERED: Heating Central Air Conditioning Ductwork Electrical System Garage Door Openers Attic, Ceiling & Exhaust Fans Plumbing System

Plumbing Stoppages Water Heater Sump Pump (permanently installed) Dishwasher Oven/Range/Cooktop Built-In Microwave Garbage Disposal Trash Compactor

Clothes Washer & Dryer Kitchen Refrigerator Plumbing Upgrade* Heating & Air Conditioning Upgrade* Appliances Upgrade* Permit Fees* Code Violations*

OUR FIRST TRADE CALL FEE IS FREE! ($65 VALUE) • CHOICE Ultimate Plan $550 $65 Service Call Fee Applies To All Others

www.captainandco.realestate

What Is A TITLE SEARCH? A title search is a MUST when selling any real estate. This careful examination of records is used to provide early warnings of anything that will have to be dealt with before the property can be sold. This is typically paid for by the seller. A title search will show, first, that the seller has the legal right to sell the property, and also, that the title is free from any liens, mortgages, property line issues, or any other problems that could prevent you from closing.

Griffin Clift Everton & Maschmeyer, PLLC

Real estate closings have and continue to be the forefront of our law practice here at Griffin, Clift, Everton & Maschmeyer, PLLC for over 40 years.

This area of practice extends to client representation for residential closings and refinances, construction loans, development projects and any type of commercial real estate transaction. Our clients include buyers, sellers, borrowers, lenders, contractors and developers.

When I send my Sellers to Griffin Clift Everton & Maschmeyer, PLLC, I know they will be taken care of from the start to the finish. Rob always ensures my clients are satisfied. He has a great personality and makes the closing process an enjoyable experience.

Rob’s team is always available for questions and concerns. In the rare instance that we are in a pressing situation, we have been able to overcome the obstacles and work together as a team. I will never forget the day when my clients were pressed for time on their closing. Rob had his car keys out at the table, after my client was complete with signing papers, Rob hopped in his car and made sure the swap took place, he returned back within 10 minutes and we were closed. He’s a rare find in this industry, I don’t know what I’d do without him and his team! ~ Fara Captain

ROB M. DRAUGHON, III ATTORNEY

Griffin, Clift, Everton & Maschmeyer, PLLC

6489 Quail Hollow, Suite 100 Memphis, TN 38120 (901) 752-1133 rob@gcemlaw.com www.gcemlaw.com

Neighborhood Considerations Buying a home involves buying into an entire community. It’s important to make sure your new neighborhood suits your needs and preferences every bit as much as the house you decide to purchase.

After all, most houses can be modified, but neighborhoods can’t.

Your buyer’s rep will be able to assist you in many important aspects of your purchase, like locating suitable properties, negotiating, and executing essential transaction details. Along the way, they’ll be able to help answer your questions, with the exception of certain questions concerning neighborhoods.

That’s because real estate professionals are required to abide by Fair Housing laws, which prohibit housing discrimination. Further, neighborhood preferences are highly subjective and personal. As a buyer, YOU need to decide if a neighborhood feels right for you. Your buyer’s rep can point you to excellent resources for background research, but it’s up to you to interpret that information.

WHEN CONSIDERING A NEIGHBORHOOD, HERE ARE SOME OF THE MOST IMPORTANT QUESTIONS TO ASK YOURSELF: 1. SCHOOLS Are the public schools well regarded?

What are the private school options?

4. DEMOGRAPHICS Who else lives here? Will I be able to develop friendships? Will I feel welcome?

2. CRIME Will I feel safe in this neighborhood?

5. EATING AND SHOPPING What restaurants and stores are nearby?

3. TRANSPORTATION How easy is it to get around? Is there convenient access to highways and public transit? Are there problems with traffic, lack of parking, etc.?

6. RECREATION Are there parks and other facilities for sports, entertainment, etc.?

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7. HOUSE OF WORSHIP Regardless of my faith, will I be able to find a new house of worship?

www.captainandco.realestate

Hear It From The Locals “Memphis is a great place to live. There’s a genuinely friendly vibe, a great food scene, and the cost of living is ridiculous - in a good way. It’s also an easy place to get around and the traffic, when compared to other major cities, is pretty much a non-issue. And if you’re into music, you can enjoy amazing talent just about any night of the week, if you know where to go.”

- Troy, Memphian “I love Memphis’s history, which can be seen along its streets, storefronts, and houses, and can be experienced in places like Sun Studio, Stax, and the National Civil Rights Museum. I love Memphis’s food, with all of its Southern traditions, from its famous BBQ to Gus’s Chicken. And most of all, I love its soul, which can be felt in its music, its food, bars and taverns, streets, sports, and in its people.”

- Mark, Memphian “We love the Culture and the sense of Community that Memphis has. From the music, the food, the history, and the people- every piece makes it feel like a home.”

- Matt, Memphian “I love Memphis because it’s a big city, but feels like a small town. Whether it’s supporting small businesses or local artists, Memphis has an incredible sense of local pride, and we love to show it!”

- Rebecca, Memphian “I love the energy in Memphis, whether it’s in our creativity or in our loyalty to this city. We, Memphians, are constantly reshaping this city to meet our innovative dreams. We also release our pride, like a supernova fireball, to support our Memphis favorites (the Tigers and Grizzlies). Try experiencing a Grizzlies game at the Grindhouse (aka FedEx Forum) to let this statement come to life.”

- Minna, Memphian “I have lived in several cities, states, & countries, and there is no place quite like Memphis. There is a sense of community that embraces you. It’s a city where I feel I can make a difference. It’s a city where almost everyone has at least one friend in common. You are always greeted positively, in a true Southern fashion, wherever you go.

There is no place like HOME!” - Fara, Memphian

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Fun Things To Do In Memphis There are many ways to experience and enjoy Memphis. Here’s a list of some of the locals’ favorites: • Spend the day exploring Shelby Farms (furry friends welcome) • Visit Ya Ya and Le Le, the 2 giant pandas at the Memphis Zoo • Walk along the river at Mud Island or Tom Lee Park • Listen to live music at W.C. Handy Park on Beale Street • Visit Elvis’s home, Graceland • Watch a movie at the Summer Drive-In • Watch the sunset from the Peabody rooftop, or Beale Street Landing • Take a ride to the top of the Bass Pro Pyramid on America’s tallest free-standing elevator • Cheer on our Memphis Tigers football team at the Liberty Bowl • Watch the Nutcracker at Ballet of Memphis • Catch a play at The Orpheum Theatre, Playhouse on the Square, or Hattiloo Theater • Enjoy some beautiful art at the East Buntyn Art Walk, V & E Greenline Art Walk, the Brooks Museum, or the Broad Avenue Arts District, to name a few.

• Connect with nature at the Memphis Botanic Garden or Dixon Gallery and Gardens • Have fun & learn about history at The Civil Rights Museum, Mississippi River Museum, Chucalissa Indian Village, or the Fire Museum, among others.

• Play ping pong, sip on your favorite cocktail, eat, or relax in a hammock at Railgarten • Spend an day exploring the Pink Palace or Children’s Museum with your favorite kid • Watch a Redbirds game at Autozone Park • “Hoop” and holler for our Memphis Grizzlies, Hustle, or Tigers basketball • Listen to music on your picnic blanket at the Levitt Shell or Collierville Concert series.

• Experience Memphis’s soul at its roots at the Memphis Rock N’ Soul Museum, Stax Museum, Memphis Music Hall of Fame, Sun Studio, & Blues Hall of Fame, are a few

Festivals, Parades, & Seasonal Fun Memphis, and its many micro-communities, offers a vast array of festivals, parades, and fun events as well.

There is always something going on, and there is definitely something for everyone! Here are just a few: • Guitar drop on Beale Street on New Year’s Eve • Beale Street St. Patrick’s Day Parade • Memphis in May • Twilight Tuesday Movie Nights At Beale Street Landing • Trolley Nights on South Main St • Indie Memphis Film Festival • Crawfish Festivals: Rajun Cajun, Harbor Town, & Overton Square • Germantown Festival • Cooper Young Festival

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• Southern Heritage Classic • Mid-South & Delta Fairs • Stumbling Santa Pub Crawl • Fourth of July Fireworks & Parades: Downtown, Midtown (Levitt Shell), Cooper Young, Central Gardens, Autozone Park, Collierville, Germantown, Bartlett, Millington, & Cordova • Christmas Parades & Tree Lighting: Beale Street, Downtown, Botanic Garden, Collierville, Germantown, Saddle Creek, Whitehaven, Bartlett, Peabody, Arlington, Millington, & more

www.captainandco.realestate

Your Moving Planner 6 TO 8 WEEKS BEFORE

1 DAY BEFORE

 Contact a moving company and tell them the dates you plan to move; Set up a time for them to come out and provide an estimate.

 Leave mirrors and pictures on the walls for the movers to pack.

 Decide if you will pack yourself or have the movers do it.

 Unplug all TV sets 24 hours before move. Moving a set that has retained heat can cause damage.

 Organize personal records, i.e. insurance,dental, prescription, financial etc.  Start to use up things that can’t be moved.

 Take sheets and blankets off beds.

MOVING DAY  Save all documents that will be needed for tax returns.

4 TO 6 WEEKS BEFORE

 Remain with movers until all your goods are loaded.

 Alert Post Office and subscriptions.

 Be sure you discuss exact address and directions with driver.

 Plan to cancel/transfer phone and utilities.  Prepare a list of people to notify of your move and new address.  Consider a garage or yard sale for unwanted items.

 Leave a note with new address and telephone number so new occupants can forward mail.  Make sure to call MLGW to disconnect services. If there will be an overlap with 2 residences, make sure to let MLGW know.

Call 901-820-7878 prompt: 1,2,3,1,1 (these prompts will by-pass voice recordings)

2 TO 3 WEEKS BEFORE  Consider helping your children host their own “going away” party.  Assemble packing materials (boxes, tape, markers, knife).

3 DAYS BEFORE  Defrost freezer so it can dry for at least 24 hours.  Set aside valuables and personal documents not to be packed on moving van.

 IMPORTANT! Make sure to let your agent know the day you have set up for services to end. If the buyer does not arrange for transfers before you disconnect, buyer can be without services for days or has to arrange to be absent at work for MLGW to show up. PLEASE let your agent know!

If your walls could talk, they’d thank you.

 If your new house is in a unincorporated area, you will need to find out the waste services provided. Contact your agent for info.

 Think about items to pack, but leave off the moving van... items that you will need upon arrival, such as: paper towels, toothpaste, tool kit, soap, toilet paper, bath towels, trash bags, snacks, pencil and paper and paper plates.

Agent Name, State Farm Agent Great home Great insurance. home insurance.

Street Address Protect your home with your the best.

And do the it at a price that Protect home with City, State, Zip will have your wallet saying “thanks” too. best. And do it at a price that Phone neighbor, have yourState wallet Farm saying is there.® E-mail Like a good will

If your walls could talk, they’d Thank you.

“thanks” too.

CALL ME TODAY. Like a good neighbor, ® Farm is there.

Marc Ashley,State State Farm Agent CALLIrene, ME TODAY. 3030 Forest Hill Ste 103 Germantown, TN 38138 | 901-755-2850 Marc@marcinsuresgermantown.com

State Farm Fire and Casualty Company. State Farm General Insurance Company, Bloomington, IL 0901139.1

0901139.1

State Farm Fire and Casualty Company State Farm General Insurance Company, Bloomington, IL

901-390-HOME

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901-390-HOME | www.captainandco.realestate 841 S. Cooper St. | Memphis, TN 38104