Wednesday, May 30, 2012

3307 Faust St Bamberg SC $359,000

Wow! A Must See!! Custom built home on 1.9 acres will take your breath away!Eat in chefs kitchen, SS appliances and island! 2 master suites with huge walk in closets and luxury baths. Gleaming hardwood floors and upgraded tile floors,large deck, saltwater pool with brick design fence! Newly installed roof, garage doors, invisible fence, just to name a few. The workshop is designed to make a great cottage. Home is below appraised value! 5bed 3.1bath  3800 sq ft  www.cbunited.com/davidlabrecque




















Tuesday, May 29, 2012

Financing Process for Buying a Home

HOW MUCH CAN YOU AFFORD

Before you can begin to search for a new home you need to determine your budget and estimate how much you can afford.  Consider all costs involved,including taxes, homeowners insurance, private mortgage insurance (PMI) and utilities.  One of the most important factors in figuring out you financial is getting pre-approved for a Mortgage.

WHAT IS A MORTGAGE

The first step towards financing a new home is getting pre-approved for a mortgage.  A mortgage is an advance of money from your lender that will cover the finances of your new property.  Over an extended period of time, you (the mortgagee) must pay the bank back each month percentage of the money they lent you plus interest, until the total sum is paid in full.  This is how most homes are financed.

DOCUMENTS NEEDED

When you apply for a mortgage, you will need to furnish information regarding your income, expenses and obligations.  Check your credit report to make sure there are no errors.  To save time, have the following items available for each borrower:
  • Two of most recent pay stubs.
  • W-2s for the last two years.
  • Federal tax returns for the last two years.
  • Last two months' bank statements.
  • Long-term debt information. (credit cards, child support, auto loans, installment debt, etc.)
GETTING APPROVED

Of course, a lender will only lend you money if they're sure you credit is strong and they're confident you have the ability to pay them back.  A bank checks your credit by studying your financial history, income, federal tax returns, pay stubs, and long term debt information to determine if you are a good candidate for a loan.  If your credit report is good, then you have an excellent chance of obtaining a mortgage.  If not, then you must take the appropriate steps to improve your credit rating.

Now that you've examined your credit report and are confident that you're in goo shape, you're ready to choose between getting pre-approved for a mortgage or pre-qualified for a mortgage.

Pre-approval uses basic information as well as electronic credit reporting to determine whether a lender will loan you money.  If you are pre-approved for a mortgage, the lender has given you a commitment to support your new purchase.  People who are pre-approved for a mortgage are more attractive candidates to the seller and have a better chance of getting the property when they make an offer.

Pre-qualification is not a mortgage approval but simply an estimate of what you can afford.  When you pre-qualify for a mortgage, the lender also collects basic information regarding your income, monthly debts, credit history and assets, and then uses this information to calculate an estimated mortgage amount.  The lender has not yet committed to supporting your financial needs and, there, you have not received an actual guarantee of funds.

Sunday, May 27, 2012

NOW is the Best Time to Buy a Home?



• Housing affordability is the best it has been in decades.

• Nationwide, average home prices are approximately one-third lower today than at their peak in 2006.

• The cost to buy is very often less than the cost to rent a comparable property. In fact, buying is cheaper than renting in 98 out of America’s 100 major markets.

• Interest rates are at an historic low, and today’s low rates can be locked in for the next 30 years.

• The general economy appears to be improving, with employment increasing, median wages rising, and little indication of possible inflation.

• Overall, conditions indicate today may be the perfect time to buy a home.

Friday, May 25, 2012

Century Colonial Home 226 Main St Leesville SC $187,700

Downtown living in a century colonial home with character. The Family Room & Bedrooms are huge with hardwoods, high ceilings & fireplace. The Master suite is on the main with private bath. Kitchen is updated with eat-in- All appliances included. A newly installed roof, new windows & water heater. The large fenced backyard has trees over 60 years old. This home is a must see. Potential is subdivide lots - 4Bed 2Bath  3006 sq. ft.  Call Davie or Bobbi 803-553-3740










Sunday, May 20, 2012

Palmetto Heroes





$10 million Home Buyer Program Will Salute South Carolina Heroes
3.75% Interest Rate and $5,000 Toward Down Payment Expenses

The South Carolina State Housing Finance and Development Authority (SC State Housing) announces a $10 million initiative designed to help South Carolina law enforcement officers, correctional officers, teachers, firefighters, nurses, veterans and EMS personnel who want to become homeowners.

Buying a first home can be a challenge, even if you are employed in a noble profession, but with a modest salary. Palmetto Heroes will provide low interest home loans to members of these professions who qualify. Eligible Palmetto Heroes home buyers can get a fixed interest rate of 3.75% on a mortgage as well as down payment assistance of up to $5,000. This down payment assistance could even be forgivable over time in some cases, depending on the borrower’s income.

“Being able to afford a home is a growing concern for everyone in our state,” said Valarie Williams, SC State Housing’s Executive Director. “It’s important that we salute these Palmetto State heroes and invest in them.” She said the Palmetto Heroes program might even strengthen recruitment and retention in these career choices, vital to our state’s overall wellbeing. “This is just one way SC State Housing can recognize these dedicated individuals who contribute so much to our state.”

Palmetto Heroes is available to law enforcement officers, correctional officers, teachers, firefighters, veterans, nurses, and EMS personnel who are currently certified in their profession, and reside and work in South Carolina or have a contract to begin working here within 60 days of closing on a home.

Those who do not qualify for Palmetto Heroes may still qualify for one of the other lending programs offered by SC State Housing. The regular home buyer’s program is available year round to a broad range of South Carolinians seeking to become homeowners.

Mortgage loans can be up to 30 years and are available through any of SC State Housing’s network of more than 100 participating private sector lenders and brokers statewide. Maximum income limits are based on the median income per county and household composition. The Palmetto Heroes program may not be used for refinancing.

For more information, contact one of the Realtors®, banks or mortgage brokers certified in SC State Housing programs. A list is available at the agency’s website: http://www.schousing.com.

SC State Housing is a self-sustaining agency of state government and does not receive a state appropriation.

Thursday, May 17, 2012

Best High Schools In South Carolina

Best High Schools in South Carolina


We reviewed 21,776 U.S. public high schools; 44 South Carolina schools made our rankings. View Rankings
To graduate, South Carolina high school students must complete 24 credits in various subjects, including one credit in computer science and another credit in either a foreign language or career and technology education. South Carolina students must also pass assessments in English language arts and math, according to the South Carolina State Department of Education.
In the 2012 U.S. News Best High School’s rankings, there are 2 South Carolina schools with gold medals, 14 with silver medals, and 28 with bronze medals. The highly ranked Academic Magnet High School is locacapital of Columbia.ted in the Charleston County School District, which is about a two-hour drive from the South Carolina
South Carolina High School Rankings
To be eligible for a stat

#1Academic Magnet High School 1525 AVE B SOUTH, NORTH CHARLESTON, SC 29405
e ranking, a school must be awarded a national gold or silver medal.

#2 Charleston County School of the Arts
1600 SARANAC ST, NORTH CHARLESTON, SC 29405


#3 D.W. Daniel High Schools
1819 SIX MILE HWY, CENTRAL, SC 29630


#4 Chapin High Schools
300 COLUMBIA AVE, CHAPIN, SC 29036


#5 Dutch Fork High School 1400
OLD TAMAH RD, IRMO, SC 29063
#5 Dutch Fork High School

#6Lexington High
2463 AUGUSTA HWY, LEXINGTON, SC 29072


#7 South Aiken High
232 EAST PINE LOG RD, AIKEN, SC 29803


#8 Aynor High
201 JORDANVILLE RD, AYNOR, SC 29511


#9 Ft Mill High
225 MUNN RD, FORT MILL, SC 29715


#10 Greenville Sr High
1 VARDRY ST, GREENVILLE, SC 29601


See complete South Carolina High School Rankings



Wednesday, May 16, 2012

Just Listed 2908 Park St Columbia SC $137,700

Charming updated bungalow with great curb appeal. 2 bedrooms, 2 baths, gleaming hardwood floors, new paint, new kitchen counter tops and appliances, new central heat and air, new windows, new installation --- just to name a few. The master suite is Huge with private bath. Convenient to downtown, Vista and USC. Detached large garage with patio and lush landscaping. Home warranty included.  Call David or Bobbi 803-553-3740

Tuesday, May 15, 2012

Open House Sunday 2-4 106 Deer Ridge Trail Gilbert SC 295,700

FABULOUS OPEN FLOORPLAN! This home is immaculate. The Family Room w/fireplace offers built in bookcases, opens to screen porch overlooking privacy backyard! The Master BR is huge! Kitchen is bright & airy with eat in. Gleaming hardwood floors and soaring ceilings is just one reason to bring your buyers! The 2 car garage is oversized with storage! The yard is large enough for a pool! The lost size is .72 acre! You will not be disappointed.  Call David & Bobbi  803-553-3740












Monday, May 14, 2012

A Moving Experience - Moving; here's how to cut the stress and make your move a smooth one.


A Moving Experience - Moving; here's how to cut the stress and make your move a smooth one.


Months Ahead - Planning ahead will cut headaches. Remember: you're not the only one moving, and the early Booker gets the worm (or the coveted 10 a.m. elevator slot).
• Gather moving supplies (boxes, tape, tissue or newspaper, heavy black markers).
• Pack out-of-season clothes, sports equipment and tools you won't need anytime soon.
• Mercilessly "edit" your belongings and donate, sell and discard things you no longer use or which are broken beyond repair.
• Book the moving van. (Do this after you've edited your belongings to get a more precise price estimate.)
• Contact utilities and other home-service providers, to arrange for cutoff of service the day after your move, and to set up service at your new address.
• Contact your kids' old and new schools to have academic records forwarded, and enroll for fall.
• If moving in or out of a high-rise, book the freight elevator.

Two to Four Weeks Ahead

• Ask a trusted friend or relative to watch your kids on Moving Day (drop them off the night before). This will make the move easier for you and safer for them.
• Book overnight Moving Day boarding of pets at the vet or kennel (or with friends).
• Pack in earnest. Be sure to mark boxes so you know what's inside, ie. "Kitchen-Counter Top Appliances," "Dining room: good china, 1 of 3 boxes." When packing outdoor items make sure they are dry first, to avoid the onset of mold.

One Week Ahead

• Set aside a special area for the boxes and bags that you plan to bring with you in your own vehicle. Make signs that say "MOVE BY CAR, NOT VAN"
• Pack essential paperwork (passports, I.D., legal and house-related documents) and small valuables to carry in your own vehicle.
• If your hard drive contains info you can't afford to lose, pack your computer for the car. (Liability by the movers is typically limited to the purchase value of the computer, not its contents.)
• Pack new-home and day-after essentials in boxes labeled "LOAD LAST, 1 of 3," etc. These should be the last onto the truck, and the first off, so set them aside in their own special spot at the new place. Contents might include toiletries, coffee and coffeemaker, toaster, pet supplies and kids' toys.

Move Day Checklist

• Exchange cell phone numbers with movers
• Once contents are out, do at least two walk-troughs looking for any forgotten items
• Sweep and throw out trash
• Close all windows and turn off lights, close all gates
• Leave keys with superintendent (tenants) or lawyer (homeowners)
• Start unpacking, beginning with "essentials" boxes, and then things used most often, which is why precise labeling at the packing stage is very important!

Wednesday, May 9, 2012

Do-It-Yourself Updates That Can Increase Home’s Value By More Than $20,000

Do-It-Yourself Updates That Can Increase Home’s Value By More Than $20,000


Simple, affordable do-it-yourself projects such as cleaning and de-cluttering and just adding lighting can help increase a home’s resale value.

HomeGain, an online real estate marketing resource, surveyed nearly 600 real estate professionals in creating a list of the top do-it-yourself home improvement projects that offer the biggest return for your buck.


Overall, the home improvement projects that boasted the highest price returns were updates to the kitchen and bathroom–an estimated $3,435 price increase for resale. Painting the outside of the home ($2,222 price increase) also offered one of the highest returns, according to HomeGain.

As you can see from the above chart just cleaning and de-cluttering with a cost of $209 benefited the home owner by $1,990 in value.

Bobbi and I have just listed a home (105 Winding Way, Columbia, SC MLS #308350) where the homeowners went above and beyond the normal effort; new hardwoods, landscaping front and back yard around the pool, out of the box de-cluttering. This house could have been a TV show; the transition is breath taking. If you are Realtor or buyer client call 803-553-3740 to schedule a showing.

Sunday, May 6, 2012

7 Skyland Court $239,995 Just Listed

MAGNIFICENT-This open floor plan has everything the owner could desire at an amazing price. The huge Master suite main level w/hardwoods & luxury spa bath w/walk-in closets. The Kitchen offers large island & eat-in. Three large bedrooms upstairs. This home is in an exclusive cul-de-sac with 6 homes. The rocking chair front porch is covered; Large deck for entertaining. Custom top of the line plantation shutters .  4Bed 2.5Bath 2400 sqft  Call 803-553-3740