Home/Buy a Home
Buy a home with someone who knows every street.
First home, move-up, or relocation to the Memphis area — I guide you from pre-approval to keys, and I negotiate like it's my own money.
Buying a home in the Memphis metro in 2026 is a genuine opportunity: the 30-year fixed is near 6.4%, inventory has loosened a touch, and our affordability beats almost any major market in the country. But winning the right house at the right price still takes local knowledge and sharp negotiation. That's my job. Here's exactly how we'll do it together.
Talk to the right local lender
Before we tour a single home, I want you pre-approved — ideally with a community lender who closes loans here every week. I'll match you with the right fit, including first-time-buyer programs with low down payments.
Define your real budget
Beyond the price: down payment, closing costs, city + county taxes, insurance, and any HOA dues. I'll build the full monthly picture so there are zero surprises after closing.
Pick the right area — and verify the schools
From value-friendly Bartlett to top-schooled Germantown and Collierville, I match neighborhoods to your life. School zoning changes street to street, so I verify the exact schools on every home before you fall in love with it.
Offer smart
I build offers that win on terms, not just price — and I never let you waive protections you don't understand. On new construction, I negotiate incentives and rate buydowns the builder's rep won't volunteer.
Close with confidence
I quarterback inspection, appraisal, and financing on a clear 30–45 day timeline. You'll always know the next step, because you can call me directly.
FAQ
Questions I hear all the time
How much down payment do I need?
Many first-time buyers put down 3–5%, and some programs allow less. On a move-up purchase, 5–20% is common. I'll connect you with a strong local lender — Bank of Bartlett, Triumph, BankTennessee, or The Wendy Thompson Lending Team — to find your lowest-cost path.
Is it smart to buy with rates near 6.4%?
If you find the right home and plan to stay a few years, yes — you build equity now and can refinance if rates fall. Renting builds your landlord's equity, not yours.
Do I need my own agent for new construction?
Absolutely. The builder's rep works for the builder. I represent you — at no cost to you in most cases — and negotiate price, upgrades, and rate buydowns.
Which suburb is right for me?
It depends on your budget, commute, and school priorities. Germantown and Collierville lead on schools, Bartlett on value, Arlington on new construction, Eads on land — and Memphis offers character and range. I'll help you compare honestly.
Work With Me Directly
Matt Mitchell, REALTOR®
I'm a REALTOR® and part of a third-generation Memphis-area real estate family — and an expert in investment acquisitions and property management as well, helping buyers, sellers, and investors under one roof. I'm the one who answers the phone.
Free Tool
Thinking of buying a rental instead?
Run cash flow, cap rate, and DSCR on any Memphis-area deal with my free rental calculator.
Ready When You Are
Start your search with a real conversation.
Tell me what you're looking for and I'll send you homes that actually fit — plus the honest context a listing will never give you.