Home Starts Here

HOME STARTS HERE

You’re buying more than a home. A move isn’t just about where you’ll live. It’s also about HOW you’ll live here in the Lowcountry ! Consider me your area ambassador and real estate advisor. I ask the right questions, really listen , and go beyond the basic online search. You need a proactive and creative REALTOR® – especially when inventory is low.

Along with my team, I offer solutions for challenges such as timeline s , financing or relocation.

4 STEPS TO HOME

1. EVALUATE NEEDS & RESOURCES

We will meet , discuss your criteria , and I’ll begin curating homes that are: • O n the MLS • C oming soon • N ot marketed online • FSBO (for sale by owners) • N ew construction If you haven’t already, now is the time to interview lenders and get pre- approved. Some sellers will not approve showings and most will not accept offers without a pre-approval or proof of funds. If you're purchasing in cash, your financial institution can provide proof of funds.

Questions For Your Lender What’s the best loan for me? What’s an estimate of my closing costs? Are there any special programs available for me? What mortgage rate do I qualify for?

YOUR LOGO

LENDER CONTACTS Here are trusted lenders with whom our clients have had great experiences.

Todd Stillwagon, Guaranteed Rate C: 813-810-7812

Chip Parker, Parker Lending P: 843-352-7915 C: 843-906-1982 [email protected] Parker-Lending.com CharlestonHomeLoanSolutions.com Adam Kernan, Geneva Financial P: 843-810-1675 [email protected] GenevaFi.com

[email protected] GRArate.com/ToddStillwagon

Scott Fischer, Carolina One Mortgage C: 843-708-5539 [email protected] CarolinaOneMtg.com/loan-officers/scott-fischer

6 DON’TS OF MORTGAGE APPROVAL

Don’t Deposit Cash Into Your Bank Account Before Speaking with Your Lender Lenders need to trace money sources and cash is not easily traceable! Don’t Make Any Large Purchases Like a New Car or Furniture for Your New Home High debt-to-income ratios may make you a risky borrower or disqualify you for a loan. If possible, avoid any big purchases during the loan approval process. Don’t Co-Sign Other Loans for Anyone Even if you promise you won’t be the one making the payments, your lender will have to count the payments against you.

Don’t Change Bank Accounts

Remember, lenders need to source and track your assets. Before you transfer any money, speak with your loan officer.

Don’t Apply for New Credit

Anytime you inquire for new credit, your FICO score is negatively affected. Lower credit scores can determine your interest rate and maybe even your eligibility for approval. Don’t Close Any Credit Accounts A major component of your score is your length and depth of credit history. Closing accounts has a negative impact on both of those determinants of your score.

2. SHOWINGS & PROPERTY SELECTION

During your home search, you’ll receive: • Real-time new listing texts and/or email alerts • Detailed neighborhood reports & market >Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16

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