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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

1-704-777-4422

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13850 Ballantyne Corporate Place Ste 500 , Charlotte - NC 28277

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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

Between Family And Real Estate: Finding Balance As An Agent

Between Family And Real Estate: Finding Balance As An Agent

It’s hard to understand the struggles and the demands of the real estate industry when you are outside of it. When was the last time you’ve been told that you are so lucky to have such a flexible schedule as a real estate agent? We both know that is an understatement because, in reality, finding balance in life while working as a real estate agent is more ...

Homebuyer Tips

Best Small Towns To Live In, North Carolina Edition

Best Small Towns To Live In, North Carolina Edition

There’s a lot to be said for living in a small town. While they may not have the glitz and glamour of metropolitan megacities, small towns have a lot of perks that may not be immediately apparent but are very attractive none theless. While there’s plenty to be said for living in a big city, (some prefer it) it isn’t for everyone.  If you’re ...

Homebuyer Tips

The Closing Day

The Closing Day

This is it. For the past weeks or months, every day has been at least partially spent thinking of, preparing for or planning this fateful day. You’ve laboured long and hard to make sure it comes without incident, and now all your hard work is finally going to pay off. What is this day, you ask? It’s closing day, baby. Now, there’s still a lot ...

Homebuyer Tips

Buying A Home In Clermont FL

Buying A Home In Clermont FL

So, you’re thinking of making the city of Clermont your new home. We get it; there are a lot of reasons why you might want to live here! With its beautiful weather, long list of attractions, gorgeous surroundings and exceptionally healthy job market, you’d be forgiven for thinking it’s about as close to being heaven on earth as we can get! But this ...

Homebuyer Tips

Buying A Home In High Point NC

Buying A Home In High Point NC

Homeownership is a big step forward from living as a tenant and moving from one place to another. At some point, we all get tired of renting, and we decide it is time to become our own boss and find a stable place we can call home. Buying your first home is a great achievement, but the process does have its difficulties. A home purchase is strongly connected with the ...

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