FAQs

• Organize and review your finances
• Set a budget that is realistic and doesn’t make you house poor
• First time home buyers contact us for a free brochure to get you started on the right path.

Don’t think you are alone; many people are faced with this problem. We will guide you to see if you might qualify for federal or local assistance, educate you on what lenders are looking for, what to avoid so you become a stronger buyer and put you in a better position to become a qualified buyer.

• Earnest Money- Basically a security deposit that is deducted from your purchase price at closing. It shows sellers you are serious about your offer.
• Inspection Costs – Every home needs an inspection.
• Other cost could be HOA fees, Taxes, Insurance and Closing Costs- These are the fees your lender & attorney will charge you to purchase a home.

Yes, The South Carolina Supreme Court has repeatedly held that conducting a real estate closing is a practice of Law. You can choose an attorney of your choice.

Current government id or issued photo id. Funds in a form of an official bank check, certified money order, wire transfer or cash. The funds are made payable to the trust account of the closing attorney.

This depends. Any person with ownership in the property either on the mortgage or deed must attend. A spouse without any ownership interest will not need to attend the closing.

The short answer is no but wait. This does not make you the most desirable buyer on the market. And we see more and more that verification of funds must be attached to all offers. So, do yourself a favor and get pre-approved, and have a verification of funds letter available when you put in your offer—this makes your offer stronger.

Many lenders will require that your monthly costs not exceed a percentage of your income (for example 28%). Lenders always look at more than just your income, so be prepared and don’t make any large purchases while you’re in this process. This will make your debit ratio go up and you might not qualify.

This is a question you need to answer yourself. List your wants and needs, your likes and especially your dislikes. Then we can guide you in the right direction.

This is usually a simple answer, but there are always different circumstances. Yes, be prepared to shop for flood and hurricane insurance. You should start doing this at the beginning of your house hunting process.