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About Tammy Lyles

It is with great pleasure to take this opportunity to introduce myself and provide you with a few details on the Real Estate Services in which my Team and I provide. I am the Broker/Owner of S&M Realty of South Carolina. I am local and I take great pride in our community as well as in serving my clients and neighbors. When asking around, you will find that S&M Realty is highly respected, and I have earned my clients’ respect through many years of personal service in this community. No questions or concerns are too demanding, for we constantly research the latest market conditions and finance options.

As your Broker/Realtor, you can be confident that we will always put forth that extra effort whether assisting you with the purchase of a new property, the sale of a present property, managing your rental property or providing local information to new residents and businesses. With the resources and tools available at my disposal, I can assist you in making your property ownership goals a reality.

S&M Realty of North Carolina

Tammy Lyles S&M Realty of North Carolina

Tammy Lyles


 

Real Estate Glossary Terms

  • Tax Credit

    Reduction in taxes payable to the IRS or local government. A tax credit is more beneficial to the taxpayer than an itemized deduction because it reduces taxes on a dollar-for-dollar basis. Assume a taxpayer's calculated tax is $25,000 before considering a tax creditor of $2,000. The tax due after th ...

  • Adjustment Income

    Income payable to a surviving spouse or other beneficiary upon the death of the primary wage earner to bridge the gap until the beneficiary is self-sufficient. For example, income can be provided for a limited period of time until a widow can regain emotional stability, receive career guidance, as w ...

  • Attained Age

    Insured's age at a particular point in time. For example, many term life insurance policies allow an insured to convert to permanent insurance without a physical examination at the insured's then attained age. Upon conversion, the premium usually rises substantially to reflect the insured's age and ...

  • Dental Insurance

    Coverage for dental services under a group or individual policy. ...

  • Insurance Regulatory Information System (iris)

    Financial analysis method established by the national association of insurance commissioners (naic) to detect problems of property and casualty insurance companies and life and health insurance companies according to these audit ratios: Property and casualty insurance companies: current year increas ...

Real Estate Advice


 

Agent Advice

The Do’s And Don’ts Of The Real Estate Code Of Ethics

The Do’s And Don’ts Of The Real Estate Code Of Ethics

In the real estate business, it’s no secret that flexible morals have had a presence in the field since the very beginning. Whether it’s real estate agents that conceal vital information to make the deal go through or real estate developers cutting corners on multi-million dollar housing projects, this business has a reputation for being less-than-reputable. ...

Agent Advice

How A Good Bio Can Kickstart Your Real Estate Career

How A Good Bio Can Kickstart Your Real Estate Career

As a real estate agent, it’s no secret that marketing is the key to good sales numbers. You’re not just selling real estate; you’re selling yourself. How you are perceived as a professional is the most important, most crucial and most notable aspect of your job. Regardless which region you live in, what type of real estate you sell or what you do in ...

Homebuyer Tips

Real Estate Niche: Green Homes

Real Estate Niche: Green Homes

Life in the 21st century is coming with some very welcome changes. Nowadays, it’s becoming more approachable to have a lifestyle that allows you to live more harmoniously with your environment. We're heading towards a much broader path towards sustainability. People are looking into what a sustainable lifestyle would ask of them, and what changes they would have ...

How Your Appearance Affects Your Sales

How Your Appearance Affects Your Sales

As a real estate professional, you’ve probably heard one person or another talk about “dressing for success” while they show you their new watch or tailored suit. This expression is used broadly in a lot of different ways, but in the world of real estate it actually holds a lot more meaning than you might imagine. A crucial aspect of working as a ...

Home Seller Tips

Restoring A Repossessed Home: Dealing With Damage

Restoring A Repossessed Home: Dealing With Damage

For a person who’s got an enterprising spirit, the world is full of money-making opportunities. From investment to entrepreneurship and good old-fashioned hard work, there is almost no set of circumstances that can keep a sharp-witted business man or woman down financially. Everyone gets knocked down from time to time; what’s important is how you go about ...

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