The Homebuyer’s Glossary

Categories: Uncategorized | Posted: March 29, 2017

AMENITY:  A feature of the home or property that serves as a benefit to the buyer but that is not necessary to its use; may be natural (like location, woods, water) or man-made (like a gate or garden).

APPRAISAL: A document that gives an estimate of a property’s fair market value; an appraisal is generally required by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property.

BUDGET:  A detailed record of all income earned and spent during a specific period of time.

CLOSING: This is the time at which the property is formally sold and transferred from the seller to the buyer; it is at this time that the borrower takes on the loan obligation, pays all closing costs, and receives title from the seller.

CLOSING COSTS: Customary costs above and beyond the sale price of the property that must be paid to cover the transfer of ownership at closing; these costs generally vary by location.

DESIGN CENTER: Place to customize & choose all selections of your home; you will be accompanied by one of our Design Consultants during your appointment.

DOWN PAYMENT: The portion of a home’s purchase price that is paid in up front & is not part of the mortgage loan.

EQUITY: An owner’s financial interest in a property; calculated by subtracting the amount still owed on the mortgage loon(s) from the fair market value of the property.

ESCROW ACCOUNT: A separate account into which the lender puts a portion of each monthly mortgage payment; an escrow account provides the funds needed for such expenses as property taxes, homeowners insurance, mortgage insurance, etc.

HOME INSPECTION: An examination of the structure and mechanical systems to determine a home’s safety; makes the potential homebuyer aware of any repairs that may be needed.

LOAN: Money borrowed that is usually repaid with interest. 

MORTGAGE: A lien on the property that secures the Promise to repay a loan.

PRE-APPROVE: Lender commits to lend to a potential borrower; commitment remains as long as the borrower still meets the qualification requirements at the time of purchase.

REAL ESTATE AGENT:  An individual who is licensed to negotiate and arrange real estate sales; works for a real estate broker.

What to Avoid During your Homebuilding Process

Categories: Uncategorized | Posted: March 22, 2017

If you have been approved for a mortgage for your new Regency home, you might be assuming you can breathe easy and concentrate on moving into your dream home.  Although most of your hard work of building a good credit score and saving for a down payment is behind you, it’s important to remember that you must take care of your credit score until your mortgage paperwork is completely signed and your home has closed.

Avoid these 8 actions to ensure a smooth settlement into your new Regency home!

1. Don’t apply for a new Credit Card.

It may seem like a good idea to apply for a credit card at a home improvement store or a furniture store, but this could lower your credit score.  If you do get approved for a new credit card, a lender may become concerned that you will spend up to your new credit limited and then default on your loan.

2. Don’t buy a new car.

Although a new car in your driveway would be a nice addition to your new Regency home, it is best to wait until after you close to buy a new car.  The depletion of your savings account or addition of new debt could derail your mortgage application.

3. Avoid changing jobs

In order to get approved for a loan, your lender needs to verify employment, and you will need pay stubs in order to prove this.  If you do change jobs, this could delay your settlement since the lender has no way of verifying your income.  Sometimes life can be unpredictable, but avoid changing jobs if possible!

4. Don’t furnish the home before you own it

We know you have your favorite couch picked out already, but avoid putting large purchases on your credit card.  This will effect your credit score and could potentially mess up your loan application.

5. Don’t close any Credit accounts

It makes sense to clean up your finances by closing unused credit cards and transferring your debt to a new credit card with a zero-interest balance transfer offer.  However, this is bad for your credit score, because you lose points on your credit score when you have a higher usage of debt compared to your limit on one credit care and overall credit availability.

6. Don’t get behind on payments

One of the most important aspects of your credit score is making on-time, in-full payments, so don’t get too caught up in your new home that you forget to pay your bills!

7. Don’t move money without a paper trail

Your lender will need the most recent bank statements before closing, so if you have any unusual deposits you will need to provide complete documentation of where the money came from.  Tip: Move the cash you will need for your home purchase into one account before you apply for a mortgage.  If you haven’t done so, make sure you have complete and accurate records available.

8. Don’t spend your savings

You will need cash on hand for your down payments and closing costs, and your lender may even verify your cash reserves one more time, so make sure your funds stay in place.

Final thought: Remember the phrase “nothing has changed.”  Your lender will recheck your credit score just prior to your closing date, so it is extremely important you make sure that your credit score has not changed. If you have any questions, ask your agent so you can turn your dream of homeownership into a reality!

The Brentwood Plan > Fleming Ridge

Categories: Design, Model Home, Neighborhood Feature, Special Events, Special Features | Posted: March 13, 2017





































You will surely fall in love with the Brentwood Plan.  The Brentwood plan is a new plan offered in our Fleming Ridge community.  With 5 bedrooms and 4.5 bathrooms, this home will meet all the needs of your family.  You and your family will enjoy the openness of this home.  The sleek fireplace and built-ins serve as a beautiful centerpiece of the living area.  Wooden beams and natural stone gives this space character and a unique feel in Collierville.

Here are some of our favorite parts of the home 🙂

A – Get ready to be pampered!  The master suite is PERFECT! You’ll have an at-home spa with a tub, separate shower, designer cabinets, and a vaulted ceiling. Don’t forget about the massive walk-in closet!

B – Many windows, like ones along the gallery hall, make the home feel bright and open.

C – This sleek kitchen is SO dreamy! A long kitchen island with granite countertops creates an eat-in area with barstool seating. Windows add natural brightness to the space that reflects off the stainless steel appliances.

D – Your guests will feel right at home in this spacious downstairs suite!

E – The open floor plan allows easy access to the morning rom, kitchen, and outdoor living area.  The ceiling with exposed wooden beams creates a beautiful look in this timeless living room design.

F – Thirsty? No need to go all the way to the kitchen for a drink, instead, our refreshment center is centrally located upstairs in the Bonus Room!  This would be the ideal place to entertain your guests.

G – Grab a book & get cozy in this upstairs loft area.  Easy access to bedrooms & bonus room!

We can’t wait for you to see this gorgeous designer model home this Saturday!


“Taste of Collierville” Menu

Categories: Uncategorized | Posted: March 9, 2017


Pharm 2 Fork

Salmon Patty w/ Remoulade

Black Pea Humus on House Baked Pita

Jim’s Place Grille


Charcoal grilled prime pork tinderloin w/ lemon-oregano marinade

Phyllo Pasty Puffs

Feta Cheese Blend or Spinach Blend

Spring Creek Ranch

Sausage & Cheese Skewers

Chicken & Waffles Bites

Skybox Grill

Brat Sliders

Chicken Salad Cups

Cafe Piazza

Antipasto Display

Omni Bistro featuring City Hall Cheesecake

Different Flavors of Cheesecake


Different Flavors of Mini Cupcakes

Drew Erwin {Fleming Ridge Grand Opening}

Categories: Uncategorized | Posted: March 8, 2017



















Drew Erwin: an up-and-coming singer/songwriter from Memphis, Tennessee. He was voted the YouTube Audition winner for America’s Got Talent on Season 7.  He has shared the stage with Kelly Clarkson, Cody Simpson, and many other popular bands and is also working on an EP that will be released in the fall of 2017!  

For the grand opening of our Fleming Ridge Designer model, Drew Erwin will be performing acoustic covers of your favorite songs from 4:00-7:00 PM.  Songs like “Thinking Out Loud” by Ed Sheeran and “Take Me to Church” by Hozier are some of the songs you will get to hear by the talented musician.  Join us on the outdoor living area to enjoy great appetizers and good music on March 18th!


Check him out on social media:




{Collierville, Tennessee} Fleming Ridge Grand Opening

Categories: Uncategorized | Posted: March 3, 2017

What Can I Get with my Design Center Credit?

Categories: Builder Specials, Neighborhood Feature, Special Events, Special Features | Posted: February 8, 2017

Visit our Designer Models!

Categories: Uncategorized | Posted: December 16, 2016
























Here’s a list of all our Designer Models:


Windsor Park Bartlett |  3430 Ballard Cove Bartlett, TN 38133  (Address for GPS – Bostick Road, Memphis, TN 38133)

Walker Farms |  4997 Farmland Way  Bartlett, TN 38002


Grays Hollow | 9654 Grays Meadow Cove  Cordova, TN 38018

Fountain Brook | 2147  N. Forest Hill Irene Road  Cordova, TN 38016


Rolling Meadows | 304 Majestic Trail  Collierville, TN 38017


Somerset | 1692 Exeter Road Germantown, TN 38138


Stone Creek | 5191 Silver Peak Lane Memphis, TN 38125


Cross Creek | 40 Cross Creek Drive  Oakland, TN 38060

Gardens of Hidden Springs | 25 Gardens Springs Drive  Oakland, TN 38060


College Crossing | 4255 Dockery Drive Olive Branch, MS 38654

Laurel Brook | 13129 Cades Lane Olive Branch, MS 38654

South Branch | 5008 Braham Drive Olive Branch, MS 38654

Stonecrest of Mississippi | 5036 Stonecrest Drive Olive Branch, MS 38654


Shaw’s Creek Reserve | 25 Dufftown Cove Piperton, TN 38066


Snowden Grove | 5023 Savannah Pkwy Southaven, MS 38672

Christmas Mantle Inspiration

Categories: Uncategorized | Posted: December 13, 2016











Christmas Trees | Walmart

Garland | Walmart

Stockings | Home Goods

Blanket | Home Goods

Wooden Crate | Home Goods

Pillow | Target

Reindeer | At Home

Banner | Download here














Top 6 Regency Dining Rooms

Categories: Uncategorized | Posted: November 22, 2016