Buy With Brian
I would love the opportunity to get to know you and hear what your real estate goals are and how I can help you to achieve those goals!
Please contact me and let's get started!
Homes For Sale
Take a look around! Below are some popular searches for homes in Oxford.
- Homes under $200,000
- Condos under $200,000
- Homes $200,000-$300,000
- Condos $200,000-$300,000
- Homes $300,000+
- Condos $300,000+
Live In Oxford
It is a community whose heart is rooted as much in the promise of its future as in the richness of its past; where people are as passionate about SEC sports as they are about their favorite author. Diversity is the norm, but Southern culture and hospitality create the foundation that makes Oxford unique.
Nestled among the rolling hills of Lafayette County in north Mississippi just 70 miles southeast of Memphis, Oxford is a vibrant university town, filled with unique shops and galleries, eclectic restaurants and clubs, historic landmarks, and comfortable inns.
An evening’s walk around the Courthouse Square presents an alluring atmosphere of couples and families strolling by lighted storefronts, with bicyclists and joggers quietly passing by. Overlooking it all is a smattering of ornately trimmed balconies, filled with the faces of young and old as they enjoy the sounds of live music, the scent of magnolias, or the whisper of a southerly breeze.
Whether you call Oxford home, or are just stopping through town for a quick visit, you will truly feel alive in the tranquil backdrop setting that Oxford provides for your most unique Southern experience.
Buy a Home: Step by Step
We all know that buying a home isn’t the same as shopping for a jacket and paying for it by whipping out your debit card. But does it have to be so hard? Actually, no, it doesn’t. Not that it’s super easy to find and buy a home, but you’ll skip a lot of headaches (or a huge financial mistake!) if you know how to get the right advice along the way. Because, really, buying a home is about having the right relationships. This guide helps ensure that — so your dream of buying a home suddenly becomes very real.
Step 1: Figure Out What You Can Afford
Determine what you'll be able to afford in mortgage payments each month, as well as what you can invest initially as a down payment. This handy mortgage calculator can help you estimate your monthly payments.
Keep in mind additional costs like closing costs, fees, homeowners insurance, and taxes will all add to the overall costs. Be sure to check your credit score, and remember that just because you don't have a traditional 20% down payment doesn't mean you can't buy a home!
Step 2: Shop for a Loan and Get Pre-approved
Finding a trustworthy lender and determining what type of loan you'll qualify for will help you figure out how much home you can actually afford. Get recommendations and be sure to talk to multiple lenders before making a decision.
Need recommendations for lenders in Oxford, Mississippi? Ask Me!
Step 3: Determine the Selling Price of Homes in Your Location
If you have a preferred location or neighborhood, find out the actual selling price of homes in that area - not just their listing price—to confirm whether you can actually afford that location. I can help you with that.
Step 4: Find an Agent
You don’t have to work with an agent, but it is highly recommended. Below there are 7 reasons to work with a Realtor. Your agent should be someone you know you can trust, an expert on real estate in your area and neighborhood, and very competent in working with buyers.
Step 5: Find Your Home
This is the fun part, where you get to tour homes, make notes, and really hone in on your perfect home! Make sure you keep detailed records of the homes you visit, noting things you liked, didn't like, pros and cons, etc.
Step 6: Make an Offer
When you find your favorite home, work with your agent to determine a competitive but reasonable offering price. You'll want to choose a number that is comfortably within your price range but competitive enough that it won't cause the seller to immediately reject your offer.
Step 7: Get an Inspection
Nothing's finalized yet, so make sure you're getting your money's worth! Ask your real estate agent to recommend a trusted home inspector to walk through the house and check for any potential defects or problems. If necessary, you can request that the seller repair any issues you find.
Step 9: Finalize Your Mortgage Approval
Work with your chosen lender to submit your mortgage application, review predicted closing costs, and have your home appraised. Common closing costs include attorney fees, title insurance, appraisal fees, home inspection fees, courier fees, government recording fees, taxes and HOA fees.
Step 10: Close and Pay
It's time to close! Meet with your agent, lender and attorney to finalize the paperwork, sign your closing documents, and pay your down payment and closing costs.
And finally, pick up the keys to your new home!
7 Reasons to Own a Home
- Tax benefits. The U.S. Tax Code lets you deduct the interest you pay on your mortgage, your property taxes, and some of the costs involved in buying a home.
- Appreciation. Historically, real estate has had a long-term, stable growth in value. In fact, median single-family existing-home sale prices have increased on average 5.2 percent each year from 1972 through 2014, according to the National Association of REALTORS®. The recent housing crisis has caused some to question the long-term value of real estate, but even in the most recent 10 years, which included quite a few very bad years for housing, values are still up 7.0 percent on a cumulative basis. In addition, the number of U.S. households is expected to rise 10 to15 percent over the next decade, creating continued high demand for housing.
- Equity. Money paid for rent is money that you’ll never see again, but mortgage payments let you build equity ownership interest in your home.
- Savings. Building equity in your home is a ready-made savings plan. And when you sell, you can generally take up to $250,000 ($500,000 for a married couple) as gain without owing any federal income tax.
- Predictability. Unlike rent, your fixed-rate mortgage payments don’t rise over the years so your housing costs may actually decline as you own the home longer. However, keep in mind that property taxes and insurance costs will likely increase.
- Freedom. The home is yours. You can decorate any way you want and choose the types of upgrades and new amenities that appeal to your lifestyle.
- Stability. Remaining in one neighborhood for several years allows you and your family time to build long-lasting relationships within the community. It also offers children the benefit of educational and social continuity.
7 Reasons to work with a REALTOR®
- Ethical treatment. Every REALTOR® must adhere to a strict code of ethics, which is based on professionalism and protection of the public. As a REALTOR®’s client, you can expect honest and ethical treatment in all transaction-related matters. The first obligation is to you, the client.
- An expert guide. Buying a home usually requires dozens of forms, reports, disclosures, and other technical documents. A knowledgeable expert will help you prepare the best deal, and avoid delays or costly mistakes. Also, there’s a lot of jargon involved, so you want to work with a professional who can speak the language.
- Objective information and opinions. REALTORS® can provide local information on utilities, zoning, schools, and more. They also have objective information about each property. REALTORs® can use that data to help you determine if the property has what you need. By understanding both your needs and search area, they can also point out neighborhoods you don’t know much about but that might suit your needs better than you’d thought.
- Expanded search power. Sometimes properties are available but not actively advertised. A REALTOR® can help you find opportunities not listed on home search sites and can help you avoid out-of-date listings that might be showing up as available online but are no longer on the market.
- Negotiation knowledge. There are many factors up for discussion in a deal. A REALTOR® will look at every angle from your perspective, including crafting a purchase agreement that allows enough time for you to complete inspections and investigations of the property before you are bound to complete the purchase.
- Up-to-date experience. Most people buy only a few homes in their lifetime, usually with quite a few years in between each purchase. Even if you’ve done it before, laws and regulations change. REALTORS® handle hundreds of transactions over the course of their career.
- Your rock during emotional moments. A home is so much more than four walls and a roof. And for most people, property represents the biggest purchase they’ll ever make. Having a concerned, but objective, third party helps you stay focused on the issues most important to you.