New Listing! 2614 Cane Mill Rd Lancaster, SC MLS 3308025 $145,000

Get ready to entertain! Cute home with private fenced backyard – decked out with a stunning in-ground pool; perfect for parties and/or a secluded relaxation. Home has beautiful dark laminate flooring and updated paint. Nice sized rooms and well maintained home all around. Convenient to schools and daycares. Easy commute to amenities. 100% financing available with USDA loan. Move right in! Schedule a showing today!

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New Listing! 2009 E Park Drive Lancaster, SC MLS 3308006 $112,000

Adorable home with split bedroom plan in the East Park subdivision of Lancaster. Convenient to shopping, dining and schools. Laminate floors and vinyl bathrooms. 100% financing available with USDA loan. Ready for a new homeowner! Schedule a showing today!e park

MLS

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Price Reduction! 7926 Old Jefferson Highway, Kershaw SC $75,000 MLS 3296839

4 Acres! Cute home with lots of land! Large Den! Easy commute to neighboring towns. Priced to sell. Schedule a showing today!

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4 Acres! Cute home with lots of land! Large Den! Easy commute to neighboring towns. Priced to sell. Schedule a showing today!

MLS

New Listing! 14748 Lions Paw Street, Charlotte $165,000 MLS 3285043

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Gorgeous town home located in the heart of the Steele Creek area! This spacious home has a master suite on the main level and includes 2 bedrooms upstairs along with a lovely loft area. The home privately sits on a cul de sac in the furthest section of the subdivision.Other features included a screened patio, gas fireplace and community pool. Convenient to shopping, dining and entertainment. Extremely close to I-77 and I- 485. This one will not last long! Schedule a showing today!

Open House 6/17 11am-1pm!

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Check out more photos here!

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Home Buying: Quick-Step Guide

pfchangs-blog-post

Win a Date Night to PFChang’s!

Here’s how:

1)Share the original Facebook Post

2)Like My Facebook Page

facebook.com/kiswuanagreenrealtor

Drawing will be held

2/13/17 @ 5pm

Tax Refund 101 : For Homeowners and Future Homeowners

tax-refund-picIt’s that time of the year again –TAX SEASON! After filing and receiving a return, you may find yourself with extra dough in your hands. Let’s face it – most people end up spending their refunds quickly on things that they do not “need”. Don’t let that be you. If you are a homeowner or have goals to become a homeowner in the future, here are some tips on how you can use your refund for your benefit.

Use as Down Payment

Your tax return can be an excellent source for your down payment. FHA loans only require 3.5% down. Example, if you plan to purchase a $100,000 home you will only need $3500 for a down payment. Saving your return for down payment will be wise if you are choosing this type of loan.

Did you know that you can purchase money with no money down in rural areas? Contact me for more info.

Pay Off High-Interest Debt

This is it – an opportunity to increase your credit score. Paying off high interest debts will increase your credit score and also improve your debt-to-income ratio. This will allow you to meet the lender requirements for a home loan.

580 – that’s the score you need to qualify FHA loan. Let’s get you pre-qualified today.

Save for Closing Costs

When purchasing there will be additional cost such as inspection fees, appraisals, deed recording fees, title fees, etc. You want to make sure you have the funds available for these cost. Set your tax return aside in your savings account to show your lender you have the funds to close your loan.

Pre-pay your Mortgage

If you already own a home, making extra payments on your mortgage can be a great way to save money over the long term. Because so much of your payment on a long-term note goes to pay off the interest, reducing the principal can have an exponential effect over the life of the loan. Just an extra payment or two now can make a huge difference in your future obligation to the bank.

Make Home Improvements

If you live in an older home, spending some of your refund around the house can lower energy bills. Replacing old windows can improve the efficiency of your A/C in the summer and reduce the electric bill. Old appliances can be replaced with models that use less energy. Lower energy costs can even be used as a tax credit for next year’s refund.

Also, if your kitchen or bathroom is outdated, a remodeling project can not only improve the functionality of your house now but also make it more attractive when you decide to sell.

If you are interested selling your home. Contact me today!

Your refund should feel like “found money” – and if you’re smart, you can put it to work for you and improve your situation as a current homeowner or help you  reach the goal of homeownership.