Service Areas
About Tracey Bright
Community Involvement
HOBBIES/INTEREST
FAMILY
Credentials
LICENSE
Designation
Top Producer
Licensed Realtor
Broker / Associate Broker
REALTOR
Specialties
- Sellers
- Buyers
- Residential Property
- Mobile Homes
Buyer's Agent, Listing Agent, Relocation, Foreclosure
Awards
-
2026
TOP 25 AGENT
Tennessee
2026
TOP AGENT
Morristown, TN
2026
TOP AGENT
Russellville, TN
Other Awards
2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024 100% Club , 2016 THDA Selling agent of the year in entire state of TN
Answered Questions
If you pay cash you are not required to have homeowners insurance. But I would not recommend ever going without it.
Conventional is the best way to go if you have the down payment. FHA loans have so many extra fees and expenses that make your closing costs extremely high.
My advise is to get in the location you want to be in. You can update your house but you can never change the location of the home.
If the house is the one you think you will stay in for many years and " THE ONEaEUR? for you it would be worth it. But if you're starting out $15,000 under appraisal I would walk away and never give more than the house is worth. The seller will have a hard time selling it over appraisal value.
It may not be the best investment but it really depends on what you want. If it is a house you love and plan on staying in many years I would go for it. But if you think it will be a few years than you will move the resale value may be Lower.
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