January 2014

Buy or Rent? Real Deal with Neil

Buy or Rent?

Buy or Rent? Are you tired of renting? Do you feel like you're ready to buy a home? There are many advantages of buying a home, but with home ownership comes a lot of responsibility. For starters, you'll have to mow your own lawn and do maintenance when things break.  If you're like me who has trouble doing both, then you can always hire help. Before you make your decision to buy you should consider...

City of North Charleston Seal

North Charleston State of the City Address 2014

North Charleston State of the City Address 2014 I'm a little late on this, but better late than never! A few days ago, the City of North Charleston released it's annual State of the City Address looking back at all the achievements and accomplishments that occurred in 2013. North Charleston's 2014 State of the City Address was presented by Mayor R. Keith Summey at City Council on Thursday, January 23,...

Debt to Income Ratio Explained

Debt to Income Ratio Explained

Debt to Income Ratio Explained Debt to Income Ratio, in the most simplest terms is how much you owe (debts) divided by how much you earn (income) per month. In order to calculate your debt to income ratio all you have to do is add up all your monthly expenses, including credit card and car payments, utilities, housing costs, student loans, and any other recurring expenses you might have, then divide...

Buying a Home - The Cost of Waiting

The Cost of Waiting When Buying a Home

The Cost of Waiting When Buying a Home This info-graphic came across my desk today and it shows just how much money you would have saved per month if you decided to buy a home sooner than later! If you are waiting for prices to go down before you buy a home, then you might be waiting a long time because all signs point to home prices and rates increasing, not decreasing! If you are in the market to...

Direct Lenders vs. Mortgage Brokers - Brandon Andrews - Guild Mortgage

Direct Lenders vs. Mortgage Brokers

Direct Lenders vs. Mortgage Brokers So you've found your dream home and you're ready to get a mortgage, but whom should you go to?  If you're like the majority of people, you'll go to your bank, or you'll search online to find a mortgage lender.  During your search you may come across two very similar sources for loans - Direct Lenders & Mortgage Brokers.  I sat down with Brandon Andrews from...

Frozen Pipes - Tankless Water Heater

Frozen Pipes

Frozen Pipes - What do I do? When people look back in history, they will see that Charleston experienced two very colder than usual days on January 7 and January 8, 2014. It was so cold that the power company had to utilize rolling black outs just to keep up with the demand for energy to heat up people's homes. Another unfortunate thing to result from the unusually cold weather was that a number of home...

Shipwatch Square Shopping Center Redevelopment Plans

Shipwatch Square Shopping Center

Photo Courtesy of Post & Courier Shipwatch Square Shopping Center Redevelopment Plans The City of North Charleston is on the verge of finally selling their ownership of the Naval Hospital and the Shipwatch Square Shopping Center sites. Once the sale is complete, the city is working that the new developers to achieve the primary goal of bringing a grocery store to the area that will hopefully spark...

Home Buyer Market Analysis 2014

Home Buyer Market Forecast 2014

Home Buyer Market Forecast 2014 2013 was a good year for real estate.  House prices all around the country went up indicating a rebound in the housing market.  In the past year a number of my clients who purchased new homes were able to secure very good interest rates, with some in the 3.25% to 3.75% range, however as we moved towards the end of the year, I noticed that rates were creeping up to...

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