Anthony-Dufrene

Considering a Home Purchase in the SC Low Country? It’s a Great Time to Buy in Bluffton, SC

Whether you are thinking of purchasing a year-round home to live in, a vacation home to visit in your free time, or property for an investment for your retirement, now is the perfect time to consider buying in beautiful Bluffton, SC.If the sunsets on the May River, the quaint village of Old Town, and the close-knit community aren’t enough to entice you, it might interest you to know that buying a house in Bluffton is a great investment, with housing prices seeing a steady increase over the past couple of years.

I know, as a father and experienced real estate agent, Bluffton SC makes perfect sense as a family friendly community to settle down in and make roots. Market analysts suggest that now is the perfect time to buy in Bluffton and indicate that looking sooner rather than later for your Bluffton home is strongly suggested due to the area’s soaring real estate market. Bluffton is a great place to be and the statistics are proving that people are starting to realize that!

Why Buy Now?

According to recent reports, Bluffton is now the fastest growing city (town) in South Carolina and I have seen, with my experience as a real estate agent, Bluffton, SC home prices are rising while the available inventory is quickly dwindling. We are seeing amazing numbers as the result of home sales in Bluffton, SC and expect the market to continue to climb. You will get the very best price on your Bluffton home if buy NOW, before the anticipated price increase.

Ready to Call Bluffton, SC Home? I’m the Bluffton, SC Real Estate Agent You Need

If you already live in the area, you are familiar with how wonderful of a community Bluffton is. If you are considering an upgrade to a larger or newer home, I’m just the Bluffton, SC real estate agent you need working for you.If you are thinking of moving to the area, I am also an experienced relocation realtor in Bluffton and would love to show you around so you can see what Bluffton has to offer.If you are ready to make Bluffton your home or are looking for a great investment opportunity, please don’t hesitate to contact me and let me show you homes in beautiful Bluffton, SC!

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Home Buying Stategies -Buying Home in Hilton Head SC

No matter if you’re in a buyer’s or seller’s market, there are a few critical steps you can take to make a smarter purchase. Since buying a home is likely the biggest single investment you will ever make, being prepared will help you make a better purchase. Here are our best tips to buying a home.

1. Know your Buying Power

First, understand the hidden costs of buying a home. You will need to save not only for the down payment of your home – which is typically between 10%-20% of the offer price – but also for any additional transaction fees, such as transfer tax, PMI, title insurance, and legal fees.

Second, you need to figure out what you can realistically afford each month to understand how much house you can buy. Your mortgage rate will depend on your creditworthiness – if you have a high credit score, your lender will likely approve you for a lower mortgage rate, which can save you thousands of dollars per year in interest.

2. Fix Your Credit

When you apply for your loan pre-approval, you don’t want to have anything to hide on your application. So don’t lower your credit score by doing anything that will originate more inquiries into your credit. For example, don’t open any new credit cards. Also, don’t omit any debts or loans when you apply. If the loan officer discovers them in the application process, they may deny you a pre-approval.

Don’t raise any red flags with your creditworthiness in the weeks before closing. Any one of these moves could mean that you’re denied the loan and the deal falls through – even if you’ve already been pre-approved!

3. Work with a Knowledgeable Buyer’s Agent

Do you understand what kind of market you are buying into? Even within a city’s limit, there can be micro markets that are increasing or decreasing in value.

That is why it’s important to hire a highly competent real estate agent who knows the specific market. You want to make sure that the professional who you’re working with really understands what the market is like and will help you find the home you desire.

Request a Buyer’s Market Analysisfor the desired area you are looking at. A buyer’s market analysis report outlines which neighborhoods are still up and coming – with potential for increased property value – versus those that have peaked with inflated home prices. Having this analysis at your fingertips will help you know if a home’s list price is above comparable properties so you don’t overpay for a home.

Looking for a home in the Hilton Head Island – Bluffton area? Let me help you find the home of your dreams. I am well versed in this real estate market, and can provide you with a buyer’s market analysis to help you find the right neighborhood for you. Contact Me today!

 

 

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Getting A Hilton Head, SC Home Mortgage

Get an understanding of how the loan process works. Below we’ve outlined the steps to securing financing for your Hilton Head SC home.

1. Sort and organize all necessary documents

Lenders will request a long list of documents when you apply for a mortgage, so getting them ready early will save you time. What they want to see is proof that you can repay your loan, which includes documents such as a record of your employment, bank statements, tax returns, credit checks, and pay stubs. They’ll also take into consideration costs such as child support and alimony payments. The more information you can provide about your income, the better. If you have debt, your credit check should show that you’re regularly working towards paying it off.

2. Get pre-qualified or pre-approved

Getting an idea of how much of a loan you qualify for can happen in two different ways. The first is to get pre-qualified, which means the lender takes a quick look at your files and gives you a price range.

Pre-approval is lengthier, and while you do have to wait, we almost always recommend getting pre-approved for a mortgage. It shows that you’re able to buy, which can give you a leg up during the negotiation stages.

Either way, knowing what you can afford will save you time when searching for homes, not to mention help keep expectations in sight.

3. Set up the loan

From the length of the loan to the rates and fees, there’s a long list of items to consider when you’re putting together a loan. This is there your loan officer will really lend a hand. This tedious process is often simplified when you, the officer, and your REALTOR work together to put together a loan that meets your needs.

4. Finalize approval

Now that you have the house of your dreams in sight, your loan officer will return to all of the documentation you supplied during the pre-approval or pre-qualification steps. They’ll look at employment, credit, and other assets. If they request any more documents, provide them as quickly as possible.

It’s important to avoid making any large purchases until the loan closes, so you don’t set off any red flags. Now you can schedule your closing date and time!

5. Close on the loan

Closing on the loan means sealing the deal on your financing. All of the final documents will be signed, typically with a notary present. Double check the loan amount and all other terms, including the interest rate. Look at details as simple as your name and address; you don’t want any hiccups. Pay your closing costs and down payments, and you’ll be on your way!

Mortgage Calculator

This mortgage calculator can be used to figure out monthly payments of a home mortgage loan, based on the home’s sale price, the term of the loan desired, buyer’s down payment percentage, and the loan’s interest rate. This calculator factors in PMI (Private Mortgage Insurance) for loans where less than 20% is put as a down payment. Also taken into consideration are the town property taxes, and their effect on the total monthly mortgage payment.

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Boosting your Hilton Head Island Area Home Curb Appeal

Curb-Appeal-Seminar-at-The-Lowcountry-Home-Garden-ShowFirst impressions are everything in real estate, and curb appeal can be the lure you need to catch more buyers and beat out the other homes for sale near you. Buyers, those who are just getting started and serious home hunters alike, will start by scanning neighborhoods for homes or by looking online for appealing listings. If you can hook them from the get go, you’ll be one step closer to closing.

By making your home welcoming to buyers, they’ll have an easier time picturing themselves living in the house. If they like what they see from the sidewalk, they’ll carry that impression as they tour from room to room. If they start off on the wrong foot, however, it can color their opinion of the whole property. Small changes to curb appeal can go a long way!

Presenting your home in a professional way can also help set the bar for the type of buyers that tour and put in offers. Qualified buyers will take your home seriously, and you’ll have an easier time getting the price you want.

Take a hard look at your home, and try to detach yourself. How does a buyer see the house? Are there attributes that suit your taste, but not necessarily everyone’s? Take a walk around and make a list of potential changes. Fixes can be simple and don’t have to cost a fortune.

 

Here’s our quick list of curb appeal tips:

  • Start with a yard clean-up: mow the lawn, trim or prune plants and trees, and keep the front entrance clear.
  • Climb (safely) to your gutters and clear them out.
  • Wash and squeegee your windows, and make sure to clean the screens.
  • Arrange patio furniture or put away any pieces that look tired.
  • Edit your selection of outdoor pots and planters, keeping only those that are filled with healthy plants.
  • Spruce up your trees and planters with mulch or wood chips.
  • Hide garbage cans, tools, and supplies to keep the clutter to a minimum.
  • Take care of the siding and driveway with a power wash.
  • Touch up little details such as the trim around the doors or windows.
  • Replace what you can on your roof, particularly if it’s just a few broken shingles.
  • Clean up your mailbox or invest in a new one.

Need tips on how to boost your curb appeal? We’ve got experts in the Hilton Head Island area with trained eyes, ready to lend a hand! Just let us know how we can help.

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