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Financing Your Home

Remember when you would hear every day about how easy it is to get financing for your next home and how getting qualified to buy a home is easier than ever? That was back before what is commonly referred to as the "mortgage crisis" and the beginning of the recession that began in late 2007.  Today's lending standards have dramatically shifted and restrictions on home financing have prompted radical changes in the way buyers approach their next, or many times first, purchase.

Choosing a Lender

If you don't already know of someone you want to use to finance your next (or first) mortgage, the best place to start finding competent mortgage lenders is your own Realtor.  Locally, we have plenty of good banks and mortgage brokers that can do just about any financing available in today's market. My experience has been that prospects who decide to go online for their financing options typically run into problems down the road. The lure of the fantastic rates that are quoted up front mask the potentially much higher fees on the back end, causing the final bottom line to be more. Combine this with how much more effort it takes to overcome problems if issues come up, and the final conclusion is to try to stay local if at all possible.  We can recommend several great options that have saved our clients thousands of dollars and have provided solid, reliable service along the way.  If you already have one you know and trust, that is fine as well, just let us know and maybe we can add that person to our recommended list after your home purchase is complete!

Know your Price Range:

One of the first things you will need to know is what price range you can afford. This will include determining what closing costs may be required, what type of loan is best suited for your needs, and getting that all important pre-approval letter that will be required when submitting an offer on a home.  Knowing your upper limit will also help us to keep within that range while we are looking so that you won't have to worry.  It is important to remember that what the lender says you can afford based on your income and assets can many times be much more than you can comfortably make payments on when you consider lifestyle expenses.  Shopping around for the best rate can make sense as well, only as long as you know the bottom line so that all the fees are considered.

Getting Pre-Approved

One important step prior to making an offer on any property is getting a pre-approval letter from your preferred lender.  This will show the prospective seller of the property that you have been diligent about speaking with someone and they have a better idea of whether or not your loan will be approved.  This is a very important step in the eyes of the seller since all contracts will be contingent on financing. If you are planning to need closing costs paid on your behalf as part of the contract, getting a good estimate from your lender, prior to the offer, of those costs will be pertinent for how much you request in that offer. 

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Latest listings in Greenville's eastside

5 Beds 5.5 Baths
There's a lot to see inside this gorgeous brick traditional, but we could also make a case for staying outside a while! Relax in the private backyard and enjoy the views of the Enoree River, float in the pool, grill out on the deck, or cool off in the basement cabana with kitchenette and fullbath. This large cul de sac lot has plenty of grass for games, basketball in the circular drive, and irrigation on the front and sides for easymaintenance. Rewards also await on the other side of the Welcome mat! Hardwood flooring and a two-story foyer make a great firstimpression. The formal dining room and home office grace the front of the house and give a sophisticated feel, while the casual den calls you tocurl up by the fireplace and relax at the end of a long day. The sunlit kitchen offers practical functionality in an efficient layout. A huge islandprovides all the prep space a gourmet cook could need with ample cabinets for all your tools. Entertaining is a breeze with a butler's pantry, wetbar, and an open layout between the kitchen, den, and outdoor space. Also on this floor you'll find a walk-in laundry, mud room, and a bonusroom for kids of any age or just kids at heart! The primary bedroom with ensuite bath is a great place to start and end the day. Double walk-inclosets, a dressing room, and skylights complete the space. The private bathroom includes a separate tub and recently installed LVP flooring.The other bedrooms, all rich with closet space, are distributed throughout the house for privacy and ready for someone to make them theirown. Other features include an invisible fence, 3-car garage, central vacuum system, two attic spaces, 2 50-gallon water heaters, brand newcarpet, and painted kitchen cabinets. Many happy memories have been made in this home-schedule your showing today and start makingmemories of your own!

708 Scarborough Drive, Greer

3 Beds 4.5 Baths
Separate Living Quarters, No HOA, Land and Rental Income! Welcome Home to 215 Boiling Springs Road, a rare find on the Eastside of Greer. The property is situated on almost an acre of flat land that includes the main house with a one car garage and a new detached two car garage with an apartment upstairs. The main house is cozy, offering 1300 square feet consisting of three bedrooms, two full baths and a spacious living, dining and kitchen area. The open floorplan allows you the opportunity to host many families and friends during the holiday season. There’s more to love as you step outside on your wrap around porch, envisioning a future pool or a firepit with lots of place to enjoy without close neighbors. The detached garage is spacious and offers a half bathroom and an extra space for a built-in work bench. It has a separate keypad entrance for guests to stay in their own apartment. As you walk to the second level, you’ll notice no detail was left out. A kitchenette that has a trendy backsplash with quartz countertops and navy cabinetry. A refrigerator and microwave were added for the convenience of this studio apartment. The designer bathroom has modern tile, a fresh and simple look along with a subway tiled shower and bath combo. There’s plenty of storage in your walk-in closet and attic space too! Back outside you’ll notice the mature trees, endless options for all of your landscaping dreams to come true. This home is a rare find with rental income ability through Air BnB or VRBO. You can also list your home on Furnished Finder to assist medical professionals who travel and need a short -term rental. There are so many options and with this location and price, it will surely be a great home for many years to come! Close to BMW, GSP, Michelin and the interstate. **Open House 12/9/2023 and 12/10/2023 from 2-4p.m.**

215 Boiling Springs Road, Greer

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