Home Buyers

From your first home search to closing day, we guide you through every step of the buying journey with expert advice and local market knowledge.

Explore Buying Process

Home Sellers

Strategic pricing, professional marketing, and expert negotiation skills that get your home sold quickly — and for the best possible price.

Explore Selling Process

Relocation Services

Moving to the Tri-Cities area? We provide comprehensive relocation support to help you settle into your new Tennessee home with ease.

Explore Relocation
Mike Harris - TN Real Estate Agent
24/7 Available for You
About Mike Harris

Your Dedicated Local Real Estate Expert

My name is Mike Harris, and I am your trusted local real estate agent serving the Tri-Cities Tennessee and Virginia region. I'm a proud family man with four children, an avid sports fan — especially passionate about Tennessee football — and deeply committed to the community I serve.

Whether you're buying your first home, selling your current property, or relocating to the area, I'm committed to making your journey as smooth and stress-free as possible. I believe in building strong relationships, offering transparent advice, and delivering personalized service tailored to your unique needs. I'm not just your realtor — I'm your partner in achieving your real estate goals.

Mike Harris TN Real Estate helps buyers, sellers, investors, and renters with all their real estate needs across Tennessee and Virginia. We stand out for our honesty, transparency, and data-driven insights — specializing in supporting first-time homebuyers, veterans, and seasoned investors.

19+
Service Areas
100%
Client Focused
24/7
Availability
TN&VA
Licensed States

Service Areas

Kingsport, TN Johnson City, TN Bristol, TN Blountville, TN Gray, TN Church Hill, TN Mount Carmel, TN Rogersville, TN Erwin, TN Jonesborough, TN Greeneville, TN Bluff City, TN Bristol, VA Gate City, VA Abingdon, VA Big Stone Gap, VA
Get Free Consultation (423) 418-0864
For Home Buyers

The Home Buying Process

Buying a home doesn't have to be overwhelming. With the right agent and a clear roadmap, you can navigate every step confidently and find the perfect home for your family. Here's exactly what to expect — from initial research to move-in day.

Check your credit score for home buying
1

Check Your Credit Score

Before contacting a lender, review your credit report to understand your mortgage options. A score of 720+ earns the best rates, while 580+ typically qualifies for FHA financing. You're entitled to one free report annually — use it wisely to spot errors and plan improvements before you apply.

Set a realistic home buying budget
2

Establish Your Budget

Determine what you can comfortably afford — not just what you qualify for. Factor in mortgage payments, property taxes, insurance, and maintenance costs. Use a mortgage affordability calculator and research Tennessee's housing market to set a concrete, realistic number that fits your long-term financial goals.

Find a trusted real estate agent in Tennessee
3

Find a Trusted Agent

Your real estate agent is your lifeline throughout the buying process. A great agent brings local market expertise, negotiating power, and guidance at every turn. Ask for referrals, check online reviews, and interview a few candidates. Mike Harris brings honesty, market knowledge, and 24/7 availability to your search.

Get pre-approved for a mortgage
4

Get Pre-Approved

A mortgage pre-approval letter signals to sellers that you're a serious, qualified buyer — often the deciding factor in competitive markets. A lender reviews your financial profile and issues a commitment letter stating how much they'll lend. This positions you to act quickly when you find the right home.

Start looking at homes in Tennessee
5

Start Your Home Search

With your finances in order and an expert agent by your side, the exciting part begins. Mike Harris leverages his extensive knowledge of Tennessee and Virginia markets to identify listings matching your criteria — including off-market opportunities that other buyers never see. Together, we'll find the home that truly fits your life.

Make an offer on your dream home
6

Make a Compelling Offer

Once you've found the right home, Mike will craft a strategic offer based on comparable market data, current conditions, and your goals. From the offer price to contingencies and closing timelines, every detail is optimized to give you the strongest possible position while protecting your interests.

Home inspection process in Tennessee
7

Schedule a Home Inspection

A professional home inspection is one of your most powerful tools. A qualified inspector examines the property for structural, mechanical, and safety issues. If defects are uncovered, you can renegotiate the price, request repairs, or walk away with your deposit — all before committing. This is also the perfect time to take final measurements.

Get home insurance and set up utilities
8

Secure Insurance & Utilities

Lenders require homeowner's insurance before closing — and it's essential protection for your biggest investment. If this is your first home, shop for the best policy that meets your lender's requirements. Simultaneously, arrange for electricity, water, gas, and internet to be activated so your move-in day goes smoothly without surprises.

Closing on your home in Tennessee
9

Close on Your New Home

Closing day is when the dream becomes reality. You'll review and sign all the legal and financial documents that officially transfer ownership. Mike Harris will be right there with you — reviewing every document, ensuring accuracy, and making sure nothing is missed so you can sign with total confidence and peace of mind.

Move into your new Tennessee home
10

Move In & Celebrate!

Congratulations — you've crossed the finish line! Your purchase contract specifies your official move-in date, and from that moment, the house is yours to transform into a home. Whether it's your first property or your forever home, Mike Harris is honored to have been part of this milestone journey with you.

Ready to start your home search? Mike is here to guide you every step of the way.

Get Started Today Call (423) 418-0864
For Home Buyers

Home Loan Options

Choosing the right mortgage is just as important as finding the right home. Understanding your loan options helps you secure better terms, lower monthly payments, and long-term financial stability. Here's a clear breakdown of the most common mortgage types available to Tennessee homebuyers.

🏦

1. Conventional Loans

The most common mortgage option, offering flexible loan terms and competitive interest rates. Not government-backed, these loans follow Fannie Mae and Freddie Mac guidelines — ideal for buyers with solid credit and stable income.

  • Wide range of terms: 10, 15, 20, or 30 years
  • Lower interest rates for well-qualified borrowers
  • No mortgage insurance with 20%+ down payment
  • Higher loan limits than government programs
  • Min. credit score: 620+ | Down payment: 3–20%
🏠

2. FHA Loans

Government-backed mortgages insured by the Federal Housing Administration — perfect for first-time buyers and those with lower credit scores. FHA loans offer lower down payment requirements and more flexible credit guidelines than conventional loans.

  • Low credit score threshold: 580+ for 3.5% down
  • Minimum down payment of just 3.5%
  • More lenient debt-to-income ratios (up to 50%)
  • Seller or lender can help cover closing costs
  • Fixed-rate and adjustable-rate options available
🎖️

3. VA Loans (Military & Veterans)

One of the most powerful mortgage benefits available — exclusively for active-duty military, veterans, and eligible surviving spouses. VA loans require no down payment and no mortgage insurance, making homeownership highly accessible for those who've served.

  • Zero down payment required
  • No monthly mortgage insurance (PMI or MIP)
  • Competitive interest rates nationwide
  • Flexible credit and debt-to-income requirements
  • Caps on closing costs to protect borrowers
🌿

4. USDA Loans (Rural Homes)

Government-backed mortgages designed for rural and suburban homebuyers — perfect for many Tri-Cities communities. USDA loans offer 100% financing with no down payment required, making them an outstanding option for eligible buyers in qualifying areas.

  • Zero down payment — 100% financing
  • Lower mortgage insurance compared to FHA
  • Competitive interest rates
  • Flexible credit and income requirements (640+ preferred)
  • Must purchase in USDA-eligible area

Which Loan Is Right for You?

Your ideal mortgage depends on your credit score, down payment availability, income, and the home's location. The best loan for your neighbor may not be the best loan for you — and that's where expert guidance makes all the difference.

Need help choosing the right loan? Mike Harris works closely with trusted local lenders to connect you with financing options that align with your goals.

Get Loan Guidance Call (423) 418-0864
For Home Sellers

The Selling Process

Selling your home doesn't have to feel overwhelming. With the right preparation, strategic pricing, and an expert agent handling negotiations, you can sell quickly and maximize your profit. Here's a step-by-step guide to selling your home with confidence.

Preparing your home for sale in Tennessee
Step 1

Preparing to Sell

A well-prepared home sells faster and at a higher price. Before listing, take these critical steps:

  • Research comparable homes to determine a competitive price range
  • Gather mortgage statements, insurance documents, and HOA records
  • Declutter, depersonalize, and make strategic small repairs
  • Boost curb appeal — first impressions drive buyer decisions
  • Consider professional staging to maximize perceived value
Listing your home for sale
Step 2

Listing Your Home

With your home market-ready, it's time to list strategically and attract qualified buyers:

  • Conduct a Comparative Market Analysis (CMA) for accurate pricing
  • Professional photography and virtual tour creation
  • MLS listing for maximum exposure to buyers and agents
  • Digital marketing on Zillow, Realtor.com, and social media
  • Open houses and private showings to generate serious interest
Reviewing and negotiating offers
Step 3

Receiving & Negotiating Offers

Once listed, qualified buyers will begin making offers. Evaluating them strategically is key:

  • Assess offer price against your goals and market data
  • Review contingencies: inspections, financing, and appraisal terms
  • Evaluate buyer's closing timeline for compatibility
  • Counter-offer to optimize price, terms, or both
  • Sign purchase agreement once all parties agree
Closing on the sale of your home
Step 4

The Closing Process

With an accepted offer, the final steps transfer ownership smoothly and officially:

  • Buyer schedules home inspection — respond to any repair requests
  • Lender conducts appraisal to confirm financing approval
  • Provide title documents, disclosures, and mortgage payoff details
  • Sign final documents on closing day — bring your ID and keys
  • Receive payment and officially complete the sale!

Ready to Sell? Let's Get Started!

Selling your home doesn't have to be stressful. With the right preparation, pricing strategy, and negotiation expertise, you can sell quickly and at the best possible price.

Request a Free Home Valuation Call (423) 418-0864
For Home Sellers

Listing Agent Services

Selling your home is one of the largest financial decisions you'll ever make. Working with a professional listing agent transforms a complex, stressful process into a seamless, profitable experience. Here's everything Mike Harris does to help you sell with confidence.

What Does a Listing Agent Do?

A listing agent serves as your trusted advisor, marketing expert, and negotiation specialist throughout the entire home-selling process. Mike Harris brings a comprehensive suite of services designed to maximize your home's value and minimize your stress.

  • Conduct a detailed Comparative Market Analysis (CMA) to determine the optimal listing price
  • Advise on strategic home staging, repairs, and improvements that increase buyer appeal
  • Arrange professional photography and virtual tours to showcase your home online
  • List your home on MLS for maximum agent and buyer visibility
  • Create targeted digital marketing campaigns across Zillow, Realtor.com, and social media
  • Host open houses and coordinate private showings with qualified buyers
  • Review all offers and negotiate the best possible price and terms on your behalf
  • Manage contingencies, inspections, and appraisals through to closing day
  • Research and explain the price options and explain the pricing window
  • Handle all of the negotiations with buyers agents
  • Ensure that all people that see the house are vetted and pre-approved
Listing agent services Tennessee

Setting Clear Expectations

A successful home sale begins with open, honest communication and clearly defined expectations. Mike Harris believes that a well-informed seller is the most empowered seller.

  • Discuss communication preferences upfront — phone, email, or text on your schedule
  • Transparent updates on showings, inquiries, and marketing performance
  • Honest guidance on pricing — avoiding the trap of overpricing that stalls sales
  • Trust in proven, modern marketing strategies over outdated tactics
  • Dedicated attention to your specific concerns, timeline, and financial goals
  • Proactive problem-solving for inspection findings and buyer negotiations
Setting expectations with your real estate agent

Why Choose a Professional Listing Agent?

Selling a home involves far more than placing a "For Sale" sign on the lawn. Without the right professional in your corner, you risk leaving significant money on the table — or encountering costly mistakes during the transaction.

Accurate Pricing

Data-driven CMA analysis prevents overpricing or underpricing mistakes that cost you thousands.

Maximum Exposure

Your home reaches qualified buyers through MLS, digital campaigns, and targeted marketing.

Expert Negotiation

Skilled negotiation secures the best possible price, terms, and closing timeline.

Stress-Free Closing

Every document, deadline, and detail managed professionally from list to close.

With Mike Harris as your listing agent, you benefit from local market expertise, a powerful professional network, and an unwavering commitment to getting you the best result possible.

List Your Home Today Call (423) 418-0864
Relocation Services

Effortless Moves With Our Proven Process

Whether you're relocating for a new job, transferring to a military base, or simply seeking a fresh start in beautiful Tennessee, moving to a new area can feel daunting. Mike Harris specializes in making your relocation as smooth and stress-free as possible — from your very first phone call to your first night in your new home.

With deep knowledge of Kingsport, Johnson City, Bristol, and the entire Tri-Cities corridor, Mike helps newcomers find the right neighborhood, the right schools, and the right home — all while navigating the local market on your behalf, even from a distance.

1

Remote Consultation & Needs Assessment

We begin with a detailed consultation — by phone, video call, or in person — to understand your timeline, budget, lifestyle preferences, and neighborhood priorities. Whether you're moving from across the state or across the country, we tailor our entire approach to fit your unique situation, ensuring no detail is overlooked from day one.

2

Area Orientation & Home Search

We'll walk you through the Tri-Cities area's best neighborhoods, schools, commute patterns, and community highlights — virtually or in person. Mike curates a personalized home search based on your criteria and schedules tours that maximize your time, including virtual walkthroughs for out-of-area clients who can't visit in advance.

3

Seamless Move-In Support

Our commitment to you doesn't end at closing. Mike connects you with trusted local professionals — movers, contractors, utility services, and community resources — to ensure your transition into your new Tennessee home is truly effortless. We're your local connection from the moment you arrive, and long after you've settled in.

Start Your Relocation Call (423) 418-0864
Relocation services Tri-Cities Tennessee
Client Reviews

What Our Clients Say

Real stories from real people Mike Harris has helped buy, sell, and relocate across the Tri-Cities region. Our clients' success is the greatest measure of ours.

Read All Testimonials View Realtor.com Profile
Get in Touch

Let's Talk Real Estate

Whether you're buying, selling, or planning a relocation — Mike Harris is ready to help. Reach out today for a free, no-obligation consultation. We're available 24/7 to serve you.

Mike Harris - Your Tri-Cities TN Realtor
(423) 418-0864
1001 Suite C North Eastman Road Kingsport TN 37664
Available 24/7 — Every Day
www.harristnrealestate.com

Send Us a Message

(423) 418-0864 — Call Mike Now