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Peggy Smelcer
Broyles Real Estate & Auction 
Cell:     423-312-7170
Office:  423-586-6103
Email: info@PeggySmelcer.com
Licensed in Tennessee
Prompt,Courteous  Service...
"It's What I Do!"

Thank you for visiting today. If this is your first visit, take your time and look around. I have plenty of information and resources available to you. If you are a return visitor, thank you. I would love to hear from you and tell you how I can serve all your real estate needs.

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Avoiding Financial Stress

By asking the right questions, and knowing exactly what your needs are, you can find the right loan for you. There are certain approaches that you can take while mortgage shopping that can cost or save you money.

It is still true that the better qualifications you have, the lower your interest rate will be. However, there are mortgages available for almost everyone; it's the interest rates or the down payments that vary.

Before speaking with a lender, know what monthly dollar amount you feel comfortable committing to. Then when you discuss mortgage pre-approval with your lender, it is easier for you to determine the monthly amount and what value of home the monthly amount translates into. Do not put yourself in the position where you will be paying more each month than you intended simply because the dream home requires it.

Do your research on the types of mortgages available to you and find the one that best suits your needs. There are a number of considerations to be made in terms of finding the best mortgage for each individual:

  • What type of market are you in? Are the interest rates falling or rising?
  • Do you want a fixed mortgage rate, where you will always know what your payment is going to be?
  • What are your long-term goals? Do you intend to resell the property? Do you only need the mortgage for a short time?
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Testimonials Page

I'm so glad I saw you on fb. My husband and I brought our home and you were out realtor last January. We absolutely love our home it feels like it should have always been ours. It has changed on the inside so much. I would love to fb u some pic so u could see the difference. But by all means if you are ever out our way stop and see us. Thanks again for helping our dreams come true I hope you have a Merry Christmas. Dusty R
I want to thank you in a very special way for your help in selling our property in Sevierville, in such short amount of time, hassle free at a great price for today's market value with such professionalism. Jeanette S
I'm sitting here in my wonderfully bright kitchen, Jake outside puttering in his shed. Needed to let you know how much we love our new home. Thank you for all of your help!! Bernadine J.
Thanks for all your help in making our "dream home" a reality. We really appreciated that you went the extra mile to get us the best price for our home. You are truly a professional. Sue and John
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