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No Sign Ordinance Hearing Tonight


The sign ordinance proposal has been tabled for at least two weeks and removed from the agenda for tonight’s meeting.

No public hearing at this time. If you were planning to attend based on this issue, you can now do something else.

I will stay in touch as I find out information with a possible new hearing date or another decision about the proposal.

Thanks for contacting the Aldermans’ offices as well as the local Board of Realtors with your questions and concerns.

Eileen Saunders, REALTOR with Tommy Morgan REALTORS, 2092 Old Taylor Road, Oxford, MS 38655, 662-404-0816 | 662-234-5344 Equal Housing

Home Owners with Car Insurance

February 1st is “Car Insurance Day” so let’s talk about your coverage.

If you own an house and also have car insurance, you may want to look into an umbrella policy.

What an umbrella policy does is cover you for excess amounts if you are in an accident and someone is suing you for damages.  If you don’t have the money to pay, should the suit be decided against you, your house might be in the cross hairs as a way to pay what you owe.

Rather than potentially lose your house, the umbrella policy would cover $1 million or more in damages, depending on the coverage you purchase.  It is not something you can get after the fact, so be proactive. Call your insurance company today to find out more about it.

Disclaimer: I am not an insurance authority. I simply want to pass on information that might be helpful. It is your decision to either purchase or not to purchase an umbrella policy. I am not liable for your decisions. Consult your insurance specialist for more information.

Eileen Saunders, REALTOR with Tommy Morgan REALTORS, 2092 Old Taylor Road, Oxford. MS 38655 662-404-0816 | 662-234-5344  Equal Housing

Sign Ordinance Proposed for Oxford MS

Eileen Saunders, REALTOR with Tommy Morgan REALTORS
2092 Old Taylor Road, Oxford MS 38655
662-404-0816 (direct) | 662-234-5344 (office)
Equal Housing

The following is the opinion of Eileen Saunders, REALTOR

Homeowners, business owners and anyone doing business in Oxford, MS: a proposed law by the City Council will negatively affect your rights so please read on.

A hearing is scheduled on February 2 at 5pm in the courtroom at City Hall for a proposed ordinance relating to signs that everyone needs to attend.

Homeowners, rental property owners, and landowners will be hindered from properly selling their property if this becomes law.

Business owners will be hindered from promoting their business.

Residents and business owners will have property rights taken from them.

The ordinance calls for a limit of 365 days that a property can have a temporary sign installed. Once the sign is taken down, whether on the 365th day or any time before, the property cannot have another sign on it for 365 days.

Should your house be for sale or rent, if you do not sell or rent within 365 days (which happens) you have to take down your sign and wait another 365 days to putting it back up.  You can’t put up a different sign. You can’t put up any sign, even your kid’s Oxford High School (OHS) sign.  Now, in the case of real estate, you may apply for a 90-day extension but you need a good reason for the extension and it may not be granted. So your house or property goes un-signed and your REALTOR cannot do his or her fiduciary duty for the sale of your house or land.

If you just had a contractor’s sign or and OHS sign or Ole Miss sign in your yard, you may not be able to put a political sign in your yard during campaign season if you’ve met your 365 day.  This is a free speech issue. It’s a property rights issue.

Restaurants with menu boards will lose out too.  Only 365 days, then you have to wait another 365 to put it back out on the sidewalk.  Those flag signs are included in this.

This ordinance affects anyone with a city water hookup.

Lafayette County residents should take note, too, because the city can annex your part of the county sometime in the future and then your property would be included in this law. This ordinance affects everyone: those who live and work in Oxford and those who do business in Oxford; those who would one day to own a house or condo in Oxford. It will also affect everyone around the country. If Oxford can pass a law like this, it sets a precedent and other towns, cities, counties and states around the U.S. can pass a law like this.

Click this link for a copy of the City Sign Ordinance. I encourage all citizens of Oxford and Lafayette County and those who do business within Oxford to attend the meeting next Tuesday  and express your opposition to this. Voting by our Alderman may or may not take place on this date, but it is important for everyone to express their view.

The City Council meeting is Tuesday  at 5pm in the Courtroom of City Hall.  Please plan to attend and voice your opposition.

I’m encouraging my friends and readers to oppose this proposal because I believe that it will hinder your rights as a property owner to pursue the disposition of your property and the right to choose who will represent you in the disposition of your property.  It will hinder your rights to share with others the businesses you have chosen to hire to do work around your house. It will hinder your rights to express your support for your high school, a charity, or political candidate.

As a REALTOR, my duties to you, the seller, are compromised by this law. As a business owner, my abilities to advertise for my clients are restrained. If you are a business owner, you too need to consider how this may affect you.

I oppose this proposed ordinance and I believe you should, too.

10 Tips for Home Sellers

These are 10 legal mistakes home sellers make.

  1. Accepting the buyer with the highest offer without regard to the other contractual terms.
  2. Not properly handling multiple offer situations with multiple buyers.
  3. Not properly handling back-up offers.
  4. Entering into an agreement with no earnest money deposit from the buyer, or a very small amount.
  5. Entering into an agreement before verifying the buyer’s financial ability to close.
  6. Not providing the buyer with property disclosures.
  7. Not obtaining buyer’s acknowledgement of receiving property disclosures.
  8. Not disclosing known material fact affecting the value or desirability of the property.
  9. Not requiring the buyer to remove timely contingencies.
  10. Not excluding items from the sale that the seller wants to keep.

Your Realtor is a trained negotiator and, as a licensed real estate professional, knows the law, the proper forms and timeline for getting things done.

However,  if you want to sell your house on your own, knowing about these 10 things can help.



Eileen Saunders, Realtor with Tommy Morgan Realtors, 2092 Old Taylor Road, Oxford, MS 38655. 662-404-0816 or 662-234-5344  Equal Housing (courtesy of CAR)

Homestead Exemption In Mississippi

If you bought a home in Mississippi during 2015 you can save on your local taxes by filing for Homestead Exemption.  Your home needs to be your primary residence to qualify. If you have two or more homes you can only claim one for your primary residence even if one or more are in another state.  Contact your local tax office if you have more questions about this.  In Lafayette County the phone number is 662.234.5562

When you bought your home, you may have been made aware of the current tax amount and that Homestead Exemption had been filed for. This would have been on the MLS details and given to you at and prior to closing.  As a new owner you will need to file for yourself to continue the exemption, otherwise your taxes will go up and you will have to wait until the next cycle to file which is always January 1 to April 1.  If you have any questions please call your local tax assessor’s office.

Once you file for Homestead Exemption you don’t have to do it again. However there are 3 reasons you would need to:

  • If you have already filed for homestead exemption and during the previous year turned 65,
  • or became 100% disabled

For these two reasons you would recieve a Special Exemption, saving you more money.  The third reason is

  • you sold your house and moved to another

Click here for information about property taxes in Mississippi. A phone number is provided on this link if you have more questions.

When you file for homestead exemption you must file in person and you will need to take documention relating to your home and your car and have a state-issued ID with you. Below is a detail of what you will need or click here for a printable version:  Homestead info 2016 Oxford


Homestead info 2016 Oxford-page-001

Disclaimer: I am not a tax professional and this article is for information purposes only.  The tax office in your county is the best source of information regarding tax issues that affect  you and if you have any questions or doubts to the validity of this article, please call them.

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