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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Open House June 10th 12pm-2pm: 1968 Steele Hill Rd Van Wyck SC – $119,900 MLS 3273146

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Live in the ‘country’ yet have a speedy commute to town, shopping, dining etc! 100% financing available for this home that sits on a 3/4 acre in the perfect location – with IL schools. Open floor plan. Natural lighting shines throughout home with the help of a beautiful bay window. Laminate flooring. Large master bedroom with walk-in closet & en suite bathroom with garden tub. Yard is shaded with trees that cool the home & create privacy. Don’t miss out on this one!steel hill mls photo

 

Finance your Fixer Upper

Have you found a home that you love, but it’s not in the best shape? The FHA 203k loan may be a perfect way to purchase a home that is a little rough around the edges.

The FHA 203k rehab is a great loan choice if the home you like needs a little TLC.

The FHA 203k loan allows a buyer to finance the purchase price of the house and the cost of needed or wanted repairs – all with one loan.

Here are two great opportunities to put this loan to use:

225 Saint Michaels Avenue, Great Falls SC 29055-1127

$54,900

MLS 3263964

Cozy brick home that sits on a nice sized lot. Extremely close to I-77. Great opportunity!

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1338 Westwood Road, Lancaster SC 29720-2256

$74,900

MLS 3263542

Fenced back yard, above ground pool with deck. Fireplace that extends 2 floors. 2 Large master bedrooms. Private Street.

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Schedule a showing today!

803-567-LIST

400 Park Drive Lancaster, SC 29720 -$159,900

Check out my listing – 400 Park Drive Lancaster, SC. Listed at $159,900! Beautifully renovated brick home! Fresh details & remodeled features make this home feel brand new! Schedule a showing today! 803-567-LIST

Check out my listing – 400 Park Drive Lancaster, SC. Listed at $159,900!

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Beautifully renovated brick home! Fresh details and remodeled features make this home feel brand new! Updates include new roof, new plumbing, new cabinets, fresh paint and refinished flooring. Granite countertops and hardwood throughout. Formal dining room and large bedrooms. Unique windows provide refreshing lighting through out the home. Located near the nostalgic Buckelew Park, this home sits on a huge corner lot. Don’t miss out on this one! Schedule a showing today!

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Home Buying: Quick-Step Guide

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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.

Reverse Mortgages

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Reverse Mortgreverse-mortgage-pic-2age – is a special kind of home loan that allows  homeowners to convert a portion of the homes equity into cash. The equity that is built up over years of making mortgage payments can be paid to the owner.

While this may be a smart option for some, reverse mortgages can be complicated and may not be the best fit for you or your loved one. Also, many people inherit property financed by a relatives reverse mortgage and are unsure how to handle the with property once the parent passes.

Here are few tips to remember when dealing with reverse mortgages:

1. Dont allow the property to automatically revert back to the reverse mortgage company. If someone you know currently has a reverse mortgage. Make sure that there is a plan in place for the property once it is left behind.

2. Dont lose the equity in the property. If there is still equity in the property at the the time of an inheritance; heirs can sell the property by giving back what is owed to the reverse mortgage company. The rest will become profit to those who are inheriting the home.

3. Dont Fail to continue to pay taxes and insurance on the home. This could allow the lender to foreclose on the reverse mortgage and cause the homeowner to be forced to move. 

4. Dont let reverse mortgage companies make you feel like you are stuck. You may not be receiving as much income as expected or the monthly income does not compare to the equity that is lost. Its not too late to eliminate the mortgage if you feel like it is not beneficial. 

Do you or someone you know have questions about their reverse mortgage? Have you inherited a home with a reverse mortgage and are unsure on how to handle it? I can help! Contact me for assistance and to answer any questions you may have. (803)-567-5478 or kiswuana@ericahomes.com.