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Things I Love About Middle TN

Things I Love About Middle TN

I relocated to TN from Northern Illinois in July of 2005.  When I moved here, I knew only my two daughters that moved with me.  My move was basically a corporate move; I was working to provide a better lifestyle for my children.  Little did I know I would truly find a new home.  My parents and their family were originally from the South, but moved to IL for a better life many decades ago when all of the manufacturing was going on up North.  There was something in me at a very young age that called out to me and was pulling me South.  I never felt like I belonged where I was and but I DO feel like I belong here in TN. I feel HOME.

So many times family, friends and clients ask why I like it here so much.  I can list many reasons, but for me it’s simply that I feel at peace here.  Some of the other things I love about Middle TN:

  • Less harsh winters
  • Being a day’s drive from SO many great vacation spots, long weekend get-aways and back to family.
  • No state income tax
  • Much lower property tax than where I was living before
  • Friendly People
  • State Parks and hiking opportunities
  • Waterfalls
  • Scenery in general
  • The History.  Middle TN is FULL of history.
  • The wonderful down-home places to dine, like Bell Buckle Cafe, Miller’s Grocery, Puckett’s, Loveless Cafe, The Chocolate Covered Strawberry, etc.
  • Lakes, Picnics
  • Great High School Sports and wonderful travel ball opportunities
  • I found my family roots trace back to about an hour from where I live now.  So I often say, “I’ve returned to my roots!”.  (Yes, I do a lot of genealogy research and LOVE it!)
  • Being an amateur photographer, the photo opps are endless and the season for photographing family outside without freeeeeezing is a lot longer than when there are below zero temps and feet of snow.
  • Church – there’s plenty of them, so find one that suits your beliefs.
  • Music
  • The Predators, The Nashville Sounds and the Titans (though I remain a Bears’ fan, too…my apologies on that one!)
  • College Football…it’s HUGE…if you aren’t into College Football, you either will be or you will be finding something else to occupy your time in the fall…most likely, alone.

I could go on.  I truly do love my state and am proud to now call Tennessee HOME.



Please Share with a Veteran!

Earlier today, I was browsing a couple of news sites for real estate and mortgage professionals.
I came across a recent article on the VA Loan rates and thought you may also like to read it: VA Loans Beat Other Rates

I am proud to serve many of our military families…those men and women who serve to protect what is precious to me and should be precious to all Americans…

Our rights
Our country
Our freedom

I can never repay them for their time and sacrifices, but hopefully, show love and appreciation by taking good care of their families during a real estate transaction.

I am blessed to assist US Military Veterans throughout the United States and not just in the state of TN where I am a licensed Realtor®.
How, you might ask?

  • By being affiliated with a wonderful Veterans’ program, I have referral partners for Realtors across this great nation and lenders as well.
  • By networking in my community & building relationships with other professionals, I have access to some WONDERFUL lenders who can help our Vets get approved for a loan here in Middle TN
  • By being a Certified Veterans Home Buying Agent, I have completed additional training to better assist my clients who have served.

Homebuying Benefits for Veterans (source)

  • No Down Payment Required

    For many, the biggest obstacle to buying a home is saving up for the costly down payment. With the VA Loan, homebuyers are not required to put any money down.

  • Lower Monthly Payments

    Because the Department of Veterans Affairs provides a financial guaranty on each VA Loan, lending institutions carry less risk and don’t require private mortgage insurance which can save hundreds every month.

  • Flexible Qualification Standards

    The rigors of military service can often do a number on a person’s credit report. While more than 80 percent of veterans and service members won’t qualify for conventional financing, the VA Loan provides relaxed qualification standards opening homeownership opportunities for millions.

Who is this Crazy Real Estate Lady?

Someone once asked me, “Just what made you think moving to TN was a smart choice?  What made you think it was a good career move?”  He went on to say what he meant was because I had left a place where I had built a professional reputation and people knew who I was.  Here in TN, when I first arrived in 2005, I knew NOBODY and nobody knew me. I didn’t know how to respond, especially given the atmosphere in which that question was asked.  That was at my last career… Where I had spent a total of 17 years and that conversation occurred in my first 15 months or so of being here in TN.
I suppose the same is true for real estate.  I could have been a Realtor where I was raised, where my Mother has been licensed since 1976, where I have a ton of relatives, friends and church members, where one brother is an insurance agent, one owns his own plumbing company and where I have a cousin who is an electrician and business owner…it goes on…my sphere of influence is huge there… where my maiden name is known & I have deep roots. But my life is here now, I LOVE Middle TN and I am building my own name & reputation.  I work hard, have strong ethics and pray I am building a solid reputation for myself.   In time, maybe I will have built my reputation strong enough so I would have a good comeback to the question I was asked about why I thought moving was a good career move.
In the meantime….Who IS this crazy real estate lady?  Here’s a little about me.   “My Real Estate Journey” Blog Entry
I hope it helps. If not, just ask!  In short, I’m a just a girl who loves her family, loves the Lord and loves being in the career she’s always wanted to be in and has been blessed with thee best clients!
Oh and p.s.
…. My response to this man’s question was that mine had been a move of faith… Following where I felt led to be and where I felt I could give my daughters (then 9 & 12) a better life.

Michel Ann Maroney

My Mother became a licensed Real Estate Agent in 1976. At the time of this posting, July 2014, she is still licensed. She has been my mentor and has set a great example of how to care for your clients!
My Mother became a licensed Real Estate Agent in 1976. At the time of this posting, she is still licensed. She has been my mentor and has set a great example of how to care for your clients!

VA Loans & A Link To More Info!

A couple of years ago, I took the pledge to ask all clients “Did you Serve?”.
Here is a link to my profile page.

Did You Serve is an initiative to help make sure all Veterans know about their VA benefits for purchasing a home. I have since assisted several families in purchasing a home with a $0 down payment using their VA benefits.  It has been a true joy AND an honor to work with each of these families.  They have all touched my life and I am blessed to now consider them friends.

The problem we run into is that many people are not familiar with the VA Loan Process.  And even after 7+ years of handling VA purchases, I am still learning!  

With each and every transaction I have that is a VA loan, I have learned something new.  The start of my VA loan knowledge came from becoming part of the Did You Serve Initiative a few years ago.  In addition, I have a couple of great lenders who are very knowledgeable in this area and they have provided me with necessary information to better serve my clients.  I am also taking a class to provide more knowledge and added credentials. I never want to stop learning.

I recently had a client speak to a listing agent without me present and she recommended a lender – whom he called for additional information on his VA Loan or the qualification process.  He was given misinformation and it almost cost him a home.  

Long story short, my client did not end up purchasing that home (though he initially liked the home) nor did he use that lender.  He actually already had a lender…a great lender who got him pre-approved for a loan in just one business day after the client and I phoned for proper info.  He sure seemed thrilled to have a better outcome and we have since submitted an offer on another home – with more square footage and a gorgeous setting!  

*Lesson 1:  Be sure you speak to a qualified lender and if you need a second opinion, get one within 30 days. (Yes, you can shop around for a mortgage, but don’t do so over a long period of time.  Check with a couple of lenders in the same month if you need to look elsewhere like my client did.)*

*Lesson 2:  If you have a Realtor or have been referred to a Realtor to serve as your Buyers Agent, speak to him or her rather than a listing agent who is representing the seller. (This takes us to the importance of a Buyers Representation Agreement.  I’ll write about that soon and come back here to provide a link!)*

Back to the VA Loan Process…

Today, I ran across this link.  I am not suggesting this company, I have not looked into their product or anything of the sort, but I did listen to this video (there is nothing to watch really) and I thought others may benefit from the knowledge shared.  Watch Video: Top Ten Things To Know About A VA Loan

dys-badge-ask-me-250px-transp.png Did YOU Serve?  
Or do you know someone who did?Please listen to the video and share this blog link with others you know who may be ready to purchase a home using their VA benefits. I’d be honored to assist you in your home purchase!

Michel Ann Maroney

Home Search:

What is Equity?


eq•ui•ty  Function: noun  1 a : a right, claim, or interest existing or valid in equity.  b : the money value of a property or of an interest in a property in excess of claims or liens against it c : a risk interest or ownership right in property

EQUITY: the part of your property that you actually own.  If you own property that’s worth $250,000, and you have a mortgage with a remaining loan balance of $100,000, your equity in the property is $150,000.
Repeat home buyers usually rely to some extent on the equity in their current home to help buy their next home. The more equity you have, the larger the possible down payment for the trade-up home. Home equity also equals security, especially at the beginning of a mortgage loan, so little of your payment goes to principal that equity builds slowly.

Naturally, building home equity comes at a price, usually in the form of larger payments. If building home equity means incurring debt to make ends meet, then you’ve defeated the purpose of building equity in the first place.

One way is to make additional principal payments. Additional principal payments make sense when you save more on your mortgage interest expense on an after-tax basis than you would earn on your investments on an after-tax basis.

Before you start making additional principal payments, use one of the many amortization calculators you can ?nd on the internet to do the math and see how much will go towards interest vs. principal payments and how much it would shorten your loan and increase your home equity.

The other way to build home equity faster is to re?nance. Recently, the reason most people have re?nanced is to lock in a lower interest rate and/or lower their monthly payment. But you can also re?nance to shorten the term of your mortgage, which builds equity.

Most sellers use part of their equity to pay selling costs, such as brokerage commissions and transfer taxes. Also, if you are delinquent on your property taxes, or have other liens secured against the property, such as an IRS tax lien, these would have to be paid at closing.

For More Information, contact:

Michel Ann Maroney
Broker-Owner & ABR®
Maroney Real Estate 
Phone:  615-653-1137
Office:  931-389-4673


Annandale – Brentwood, TN

Annandale is just one of Brentwood’s many prestigious communities.
This link will take you to a video that will provide a small glimpse of this beautiful community.

Per Realtracs, the following stats pulled up when I did a search for current listings and closed listings back to 1/1/2014:

Square Footage:  3,794 – 11,053
Year Built:  2006 – 2014
Lots Sizes Ranged from .47 to 2.02 acres
Sales Price:  $835,000 – $3,500,000

Curious about additional stats for Brentwood, TN?
Please review the most recent home report for Brentwood here.

In reviewing some of these listings, the following amenities were noted on various homes:  Sunset views, balconies, pool, basements, media rooms, outdoor grill/kitchens, custom built homes.

This ungated community is zoned for Brentwood High School.

Please contact me for more information on living in and around Brentwood, TN.


Rutherford County TN Sales Stats

Happy 2016!  I hope the year is off to a great start for you all.  

I ran an activity report today for Rutherford County through Realtracs to give us all a quick summary of 2015.  The results are as follows:

Rutherford County, TN – Residential Sales Stats

Month of December 2015 

New Listings

  • New Listings    449
  • Average list Price $219,209

Closed Listings

  • Closed Listings:     432
  • Average Closed Price:     $215,201
  • Closed Price in comparison to List Price %:     98.99%
  • Average days on the market (listing date until closed):  55 days

Year End Summary 2015 

New Listings

  • New Listings    7,597
  • Average list Price $235,302

Closed Listings

  • Closed Listings:     5,402
  • Average Closed Price:     $208,985
  • Closed Price in comparison to List Price %:    98.77%
  • Average days on the market (listing date until closed):  54 days

Many blessings to you all in the new year!  Please contact me if I may assist you in meeting your 2016 goals of buying or selling a home in Middle TN.


Ballenger Farms, Nolensville

ballenger-farms-002Directly behind Nolensville Elementary School, is a section of treed land owned by the Ballenger Farms HOA.

The first street behind the school is Ballenger Drive, which is a part of Ballenger Farms, Phase 1; where Ballenger Farms began in 2005.

It is my understanding the homes were built by Beazer homes.  There is an HOA for the community, recent listings indicate the monthly HOA fee is $21.  If you are looking for low maintenance yards, Williamson County Schools and the charm of living in Nolensville…with the convenience to the city, but all the beauty of the country, this is one of many wonderful communities to consider for your next home purchase.  To search for available homes in Nolensville, click here.  Please note, if the home is under contract, the main photo will say, “Contingent”.  Active listings not under contract will simply say, “Active”.  How many of those other search engines will tell you if the home is already under contract?

If you are a current home owner in Ballenger Farms, please share in the comment section what you love most about your home.  To begin an inquiry on the current market value of your Ballenger Farms home or any Nolensville, TN home, visit: or contact me via email:

A little data and analysis on Ballenger Farms, according to tax records and subdivision data from CRS/Tax Records:

Maximum Building Square Feet         3076

Average Square Footage:                    2705

Average Year Built                                 2004

Phase 1 – Number of Properties:        46 (45 homes)

Maximum Sale Price:                          $339,900

Average Property Turnaround:           7.05 years

# of Sales during last two years:         12

Average price in that time frame:       $305,064



Maximum Building Square Feet:        3446

Average Square Footage:                    2763

Average Year Built                             2006

Phase 3 – Number of Properties:        47 (41 homes)

Maximum Sale Price:                          $322,000

Average Property Turnaround:           7.14 years

# of Sales during last two years:         2

Average price in that time frame:       $316,000



Maximum Building Square Feet:        3427

Average Square Footage:                    2746

Average Year Built                             2007

Phase 3 – Number of Properties:        60 (56 homes)

Maximum Sale Price:                          $345,000

Average Property Turnaround:           6.05 years

# of Sales during last two years:         10

Average price in that time frame:       $313,690

2015 Williamson County, TN Real Estate Stats

Curious about Real Estate Stats for Williamson County?

I ran a report in realtracs today for real estate activity in 2015.  The results are as follows:

Month of December 2015 

New Listings

  • New Listings    465
  • Average list Price $543,707

Closed Listings

  • Closed Listings:     451
  • Average Closed Price:      $469,989
  • Closed Price in comparison to List Price %:     98.9%
  • Average days on the market (listing date until closed):     47 days

Year End Summary 2015 

New Listings

  • New Listings               9,018
  • Average list Price        $544,805

Closed Listings

  • Closed Listings:           5,123
  • Average Closed Price:    $473,875
  • Closed Price in comparison to List Price %:      98.7%
  • Average days on the market (listing date until closed):      60

If you are considering listing your home and would like a free comparative market analysis of your home, please contact me to schedule a private consultation.    

Many blessings in the new year.


Titans Win at Home

Great to see our Titans Win at Home!

Yesterday, my husband and I went downtown for the Titans game against the Jacksonville Jaguars.  It was my first game in ten years.  I don’t know why I haven’t attended more games.  I enjoy live sports, but those who know me well, know I cannot sit still for or get into a game on TV!

I enjoyed the game.  I knew – thanks to my hubby – the status of both teams and I did not expect it to be a sold out crowd, but all of that does not matter to me.  I just enjoy the atmosphere and watching a hometown team!

It was great to see the Titans win at home. As the Tennessean reported “On the 420th day, the streak ended.”  And so, our Titans had a win at home!

Here are a couple of the photos I took while at the game.   I’ll post more on my FB page, Maroney Real Estate

I’m so proud and so glad I moved to Middle TN 10 1/2 years ago…it’s a GREAT place to call home!

If you or someone you know is thinking of relocating to Middle TN, I’d be thrilled to assist them on the wonderful journey of making Middle TN HOME!  

My office is in Williamson County and my home is in Rutherford County.  I serve anywhere within about an hour of home.  (Smyrna, Murfreesboro, Christiana, Eagleville, Woodbury, Nolensville, Brentwood, Spring Hill, Arrington, La Vergne, Lascassas, etc.)

Lastly, regarding the game…if you have not read the Tennessean’s article, here is a link!
Have a blessed day!