Every year, many people come to Dyersburg,Tennessee to celebrate the 4th of July holiday with family and friends. Some of these people plan to move "back" to Dyersburg and they look around for houses while visiting relatives here.

Last year, my websites, mikefrazier4homes.com, dyersburgrealestate.com, and dyersburgrealestate.info had record traffic from people looking to relocate to the Dyersburg area.

Many that come also jump on Google and search the term Dyersburg real estate or Dyersburg homes for sale. Not only do my websites come up near the top but many times one of my blogs like this one also pops up.

If you are wanting to move back to Dyersburg or just relocate to Dyersburg my staff and I are will and able to assist you.Many of my agents are working showing property this holiday weekend and one of us would be happy to help you. My cell number is 731-589-7841 and home number is 731-285-3074.

Today while working this song kept coming up in my spirit. I have to say that it is one of my favorites.

Just listen to the words. Won't it be wonderful when we get to praise our Lord all the time in his presence:)

Shining in the light of his glory! Phillips, Craig and Dean sure have a great song here:

After what has seemed as an eternity(actually just a few months) the real estate market here in Dyersburg Tn has turned the corner. We are still seeing alot of foreclosures but we are also selling "regular sale" homes as well.

Because Dyersburg is a regional shopping and business area, many people are still relocating to the Dyersburg Tn area for jobs.

I am seeing the biggest influx of new employees coming in to work at our local hospital. I blogged earlier about a new cardiac wing opening up so many are coming in to work there. I have personally worked with several doctors coming to Dyersburg.

Some of the industries here are rotating employees out and others in. NSK Power Steering Systems is bringing in an additional 50 jobs.

All of my "full time" agents are very busy now showing and selling property. If you are relocating to the Dyersburg area, now is a great time to purchase a home. Home prices are lower than they have been in a few years. Some are relocating here expecting to find houses to lease and at this time those are so hard to locate. We do have temporary and long term housing available in the form of 2 bedroom apts located at Twin Oaks apartments at 900 East Tickle Street and also Laurenwood apartments located at 1013 East Tickle street. Both sets of apartments are just down the street from the hospital.

Because Dyersburg did not experience the double digit gains in real estate prices over the last couple of years, we also did not experience the double digit declines in home prices.

Dyersburg,Tn is a great place to live and to work and we look forward to you joining us here in Dyersburg!

  Dyersburg foreclosure                    Dyersburg Foreclosure                            Dyersburg foreclosure

Mike Frazier | Carousel Realty | mike@dyersburgrealestate.com | 731-589-7841 1214 Tibbs, Dyersburg, TN Dyersburg Foreclosure 3BR/2BA Single Family House offered at $55,000 Year Built 2004 Sq Footage 1,196 Bedrooms 3 Bathrooms 2 full, 0 partial Floors 1 Parking None Lot Size .19 acres HOA/Maint $0 per month DESCRIPTION Three Bedroom two bath home in Dyersburg Priced to sell but house in great condition! see additional photos below PROPERTY FEATURES • Central A/C • Central heat • Walk-in closet • Living room • Dishwasher • Laundry area - inside ADDITIONAL PHOTOS Photo 1 Contact info: Mike Frazier Carousel Realty mike@dyersburgrealestate.com 731-589-7841 For sale by agent/broker Equal Opportunity Housing Posted: Jul 2, 2009, 11:47am PDT

Periodically I ask for help from Christians here in Activerain for scripture for my marque in front of my office.

Today, I noticed that my secretary sent out a e-mail memo to all my agents but it had this scripture on it.

The blessing of the Lord makes one rich, and he adds no sorrow with it!  Prov 10:22

Just let that sink in:)

Have a happy and blessed 4th of July holiday!

On June 29th, 2009 Carousel Realty and Security Bank teamed up and conducted a first time home buyer seminar. We had door prizes, food and refreshments.

Although we did not have a hugh turnout, the food was good and the different speakers were second to none. I introduced our different speakers beginning with Richard Boone from Security Bank. Richard briefly explained some of the mortgages that his bank has available but said the most popular right now is the Rural Development loan. It is the only loan product(except VA) that is 100% financing. This loan product is called Great Start/Great Rate. He also told us(we are experiencing this) that the waiting for underwriting approval is getting longer as this product is so popular. Rural housing just expanded the income qualifications for 1-4 people in household to $73,600 and households of 5-8 people to $97,150. These brackets now reach most of the middle to upper middle class. For those with good credit but do not meet the minimum criteria for income, there is a direct Rural Housing loan available and that is what our next speaker discussed.

Tyler Hayes is an area Specialist with the United States Department of Agriculture(Rural Development). His office is in Union City,Tennessee. Tyler comes to Dyersburg twice a month but can take your application by phone or mail. Tyler just replaced Mr. Taylor who I talked to often getting people hooked up with this loan program. Mr. Taylor was always very nice and pleasant and it appears that his replacement(Mr. Hayes) will also be great to work with. Tyler explained that there are three criteria for the direct loan from Rural Housing. These are as follows:

1. income limits for Dyer County(1 person $27,350 2 persons $31,250 3 persons $35,150 4 persons $39,050.

2. They want a credit score of about 640 but have some latitude on this

3. Do not currently own a home

Tyler Hayes can be reached by phone at 731-885-6480 ext 118

Tyler, if you are reading this, thanks for a great job explaining your loan product!

Our last speaker was Don Englehardt, a CPA with Joe M. Enoch and Associates,PLLC. we asked Don to talk to us about the new tax credit being offered by the IRS for first time home buyers. Much of the information he gave us was eye opening. Did you know if you own a house but have had it rented out for the last three years, you still qualify for the tax credit? Did you know, once you close on your purchase you can either amend your 2008 tax return and get that money from the IRS within a few short weeks or apply it to your 2009 taxes. Don passed out information from the IRS just about the tax credit being offered. Don can be reached at don@enochcpa.com or by phone at 731-286-6080. Don is very knowledgable and I personally appreciate him taking the time to come talk at our home buyers seminar. I have extra handouts from Don Englehardt that i would be happy to share with those who want to know more about the government tax credit for first time home buyers.

After Don, we wrapped up and had the drawing for door prizes. Since this was so successful, we plan to do this again in the fall.

I wanted to continue my Alaska posts and have been doing them in order of our trip but chose to share this picture with you now.

This is a picture of of me in front of the Alaskan oil pipeline just north of Fairbanks.There is also a sign there in front of the pipeline.

This pipeline runs from the oil fields on the northern coast of alaska(Prudhoe Bay) down to the southern coast to Valdez,Alaska.

I believe America gets 25% of its oil from this pipeline. I am going to add the links here to all the other posts I did about my recent trip to Alaska!

Part 1

Part 2

Part 3

Part 4

Part 5

Part 6

Carousel Realty and Security Bank in Dyersburg,Tennessee have teamed up to offer a free "first time" home buyer seminar. This seminar will be held Monday June 29th, 2009 from 5-9pm at the Security Bank Newbern branch at 602 W. Main in Newbern,Tennessee.

We will offer refreshments, door prizes and valuable information including how the $8000 tax credit makes this an ideal time to buy a home.

A loan officer from Security Bank will be present to help explain how to get qualified to buy a house and the different loan programs that are available. We also plan to explain the qualifications to take advantage of the new tax credit and when that program is slated to expire. We also have someone from Rural Housing Development coming to talk about their loan product.

Realtors from Carousel Realty will  be present to answer questions and assist  those who plan to purchase a home within the next 6 months. Billy Turnbo, a local contractor will also be available to answer building questions.

My wife, two daughters and myself just went to Fort Payne, Alabama with our church youth group. We carried all the props, materials, etc. and hosted a vacation bible school at a church that just built a new auditorium.

The regular attendance is only about 100 so when 35 of us showed up we almost filled the auditorum. The response from the community was great with lots of new kids coming to learn about Jesus. Our kids went door knocking and many they met came and brought their kids or allowed us to pick them up in the church bus.

The lessons my kids learned about teaching people about the gospel was very important and hopefully we will return there next year and teach more kids about the love of Jesus for each of us.

Yesterday I had the opportunity to interview David Hayes who is the president of Security Bank in Dyersburg,Tennessee.

I sent David a list of questions some time ago and had the opportunity yesterday to sit down with him for lunch and a discussion about our local and national economy.

In my opinion, David is one of the brightest minds in West Tennessee and a great member of our community!

If you want to read the entire interview, please click into my Dyersburg Real Estate blog. David was pretty insightful with his take on the economy and what it will take to lead us out of the recession we are now in.