Fort Mill SC

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Here’s a great article about buying foreclosed home that you should read before you consider buying a Fort Mill SC foreclosed home:

Many people jump at the opportunity to buy foreclosures, but this is definitely a buyer beware market. There are, however, a lot of good reasons to buy a foreclosed home, you just must be prepared to put time and effort into fixing it. If you’re looking for a great deal on a home, or you are a first time home buyer, this is a great way to get your foot in the door and get into the house you’ve always wanted.

It is honestly amazing the deals that you can get by buying a foreclosure. There are so many foreclosed homes that may need little to no work, and simply were abandoned, and there are other foreclosures that will need so much work. You’ll be amazed at the deals you can get in purchasing a foreclosure.

If you are willing to put in the time and effort, you may be able to get a screaming deal. Once you find a foreclosure, have a home inspector go through it. When the inspector goes through it, they will be able to help figure out if there is anything major wrong with the house, or if you just need some renovations.

When purchasing a foreclosed home, unless you are ready for a project, you want to stay away with anything that has water damage, mold, or foundation damage. These projects are probably best left for a contractor, and may be better off left alone. It depends what the price of the house is, but you want to be sure that you don’t get yourself into a project that can cost you more than the house will ever be worth. Better to look at a foreclosed home that doesn’t need quite as much work. It’s easy to update kitchens, tear out carpet or paint and patch walls. That doesn’t cost too much, and is something that can be done relatively easy no matter if you do it yourself or you’re hiring a contractor. These projects can also be completed once you’ve moved into the home and don’t require you living someplace else while you fix up where you want to be living.

You also can make a lot of money by fixing up a foreclosed home, if you’re looking to flip houses, this is a great way to do it. You can get these homes for cheap, and even with labor and supplies you can still sell them to make a profit. This is a whole industry now, and something that even hobby carpenters can get into it and make a few extra bucks.

If you’re ready to buy a home, you may want to look at what a foreclosure has to offer. You can get great deals through these homes, and with a little hard labor, work, and dedication you can have a great home for a very low price. Of course, these are always a buyer beware purchase, but with the right research, the right people, and the right price, you can get yourself a deal.

Louise Scoggins is a leading Realtor in the Cherokee County Homes market. For more information on Cherokee County Real Estate, please visit ThinkLouise.com

Article Source: http://EzineArticles.com/?expert=Louise_Scoggins

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With so many incentives to buy a home, now is by no doubt, the time to buy.  With lenders tightening their guidelines, you might want to be sure you have your finances in check.
With brand new federal regulations, this will help you understand how it will benefit you and tame your credit card debt.  The bad news, is because of this government intervention you might have already seen a rise in your interest rates.  This is  from Red Book Magazine

1. They can’t raise interest rates on debt you’ve already racked up. They can if you are more than 60 days late on these payments.  So pay your cards on time!

2. If your card charges you different interest rates (say, 14% for existing balances, and 2% for balance transfers), they must apply your payments to the debt carrying the highest rates first.  So the faster you pay it off, the more money you save.

3. They can’t raise your rates if they find out you’ve been late on other credit cards or loans.  This doesn’t mean you credit score will not be affected, which can eventually lead to higher interest rates.  Your best bet is just to pay it on time.

4. You can no longer go over your credit limit and be charged the subsequent fees- unless you notify your credit card company in writing that you’d like to spend more than your limit.  So don’t spend more than your limit.

5. They will tell you on your bill how long it will take to pay off your debt and how much it will cost you, including interest, if you pay only the minimum each month.  This will be an eye opener, and a hard lesson for many.  Pay more than the minimum or you could possible pay on this card longer than your house mortgage.

6. Those under 21years old won’t be able to get a credit card unless they show proof of income or get an adult to cosign.  I think this is the smartest law of all!  When I was in college, you would sign your life away for a free t-shirt or can coozie.  All adults over the age of 21 take note…DON’T COSIGN

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I am so thankful for those that serve my community, and here is a program to help pay it forward for their service.
This program is for POLICE OFFICERS, FIRE FIGHTERS, EMS, AND TEACHERS.
It is for FIRST TIME HOMEBUYERS.  In York County, a first time homebuyer is designated as someone who has not owned a home within the past 3 years.
This down payment assistance is used in conjunction with an FHA loan.
  • The down payment assistance available is $7,000.
  • To qualify for the Forgivable down payment option, a 1 person household’s income in YORK County cannot exceed $37,250 and $42,550 for a 2 person household.
  • Must live in the home 5 years in order for the loan to be completely forgiven.
  • The Home price is up to $208,000 in YORK county.
  • 640 minimum credit score
  • The interest rate is 5.125% on a 30 yr fixed rate.

Call me or email me for more information on this program. sharon@SharonSellsCarolina.com

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This past weekend Rock Hill and Fort Mill SC experienced the 3rd winter storm in as many weeks.  It’s been my experience that we typically get one storm per winter season, but not this year!  This year, we’ve had at least 5 and who knows how many more could be on the way before it’s all over with!

At any rate, I absolutely LOVE how pretty snow is and certainly enjoyed this past weekends snow fall.

This photo comes courtesy of the Rock Hill Herald.

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A recent study released by the Gallop orgnization shows that many of Charlotte NC’s residents rate it highly in terms of it’s overall beauty, quality of life, and access to higher education, but simultaneously rank it lower for things like the areas parks, playgrounds, and hiking trails.

While it all sounds like a bit of a contradiction, overall the feeling from the poll shows that Charlotte is very open to new comers as well, as it should be.  It’s very difficult to find many native Charlotteans and even some of the cities most well known people, former Charlotte Observer owner D.A. Tompkins and former Bank of America CEO Hugh McColl just to name a few. I can honestly say that’s one of the reasons I love the Charlotte NC area so much is because of the diversity brought about by people coming from all over the country. It truly is a melting pot of cultures and ideals.

Some of the areas cited as needing improvement include the quality of the schools and the economy. The economy is certainly an easy one to understand when you consider that much of Charlotte’s economy is based on the banking industry, which has certainly taken a beating over the past 18+ months.

In terms of the school systems, I really don’t know what to say about this one. It certainly is a bit of a mess and as much as I’d love to say we can see a light at the end of the tunnel I don’t know that that’s the case.

Fortunately, for those of us down here in the Fort Mill SC and Rock Hill SC area, we don’t have to deal with the Charlotte Mecklenburg School System’s troubles.  Fort Mill SC school district is rated as one of the top school districts in the state of SC and many people are choosing to purchase the new home in the Fort Mill SC area for this very reason.

Overall, I’d say that Charlotte NC definitely has a ton of great features and is a great place to live.  At the same time, the Fort Mill SC and Rock Hill SC areas offer many additional benefits PLUS we also get to take advantage of everything that Charlotte has to offer because of it’s close proximity!

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