Not just 50 homes but 50 FAMILIES. I’ve helped 50 families start, finish and rewrite chapters of their lives. That’s a pretty big deal! Thankful for all of you that chose me to be your agent. So incredibly blessed. Here’s to 50 more! 🥂
Brick beauty in awesome location! 5 bedrooms with guest suite on main floor and large loft upstairs. Pre-finished wood floors. Granite counter tops. Formal Dining. Very short drive to Redstone Shopping Center and close commute to Ballantyne. Community pool, club house, basketball and tennis court. Garage is equipped with lawn care necessities for an additional bonus. Home Warranty! Schedule a showing today!
Move right in to this all brick home on the north end of town. 100% Financing Available! The open floor plan with tons of storage. Updated kitchen – huge island for cooking and entertaining. Adorable Laundry/mudroom. Keypad entry. Outdoor features include large yard, front porch and back deck. Don’t miss out on this one. Schedule a showing today!
A charming rocking chair front porch and double door entry welcomes you home. This home boasts a gourmet chef’s kitchen with oversized granite island, stainless steel appliances, custom tile backsplash, gas 5 burner range, wall oven and convection oven/microwave, and butler’s pantry with wine fridge. There are beautiful hardwoods throughout the main floor as well as a dedicated study/office and dining room. A expansive master suite features it’s own spa bath with dual vanities and dual walk-in closets. The second floor presents a loft and spacious sized bedrooms. A large paver patio and private backyard are perfect for entertaining.
 This two-story home has 3 spacious bedrooms and 2.5 bathrooms, including a half bath downstairs and an ensuite bathroom in the master with double vanity and garden tub. Downstairs you’ll find pre-finished wood floors throughout living room, kitchen and office/flex space. Upstairs, wall to wall carpet covers the bedrooms, including the walk-in closet in the master bedroom. The entry way features a built-in beadboard mudroom area for hanging coats and storing shoes out of sight. The flex space/office has huge chalkboard accent wall for flexing your creative muscles. The kitchen has been completely updated with granite countertops, stainless steel appliances, and a custom designed kitchen island that seats 4. Back Patio, perfect for dining outside in nicer weather. You’ll love the community which has a private recreation area and the lovely Ellis Pond. This property is USDA eligible. |
Contact me for more info! 803-567-LIST
It’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.
Win a Dinner Date to PFChang’s!
Here’s how:
1) Like my Facebook and/or Instagram Page
2) Like this post
3) Tag a friend who may be looking to buy or sell a home
*Winner will be announced 2/13/18 @ 5pm*
4 Acres! Cute home with lots of land! Large Den! Easy commute to neighboring towns. Priced to sell. Schedule a showing today!
| 4 Acres! Cute home with lots of land! Large Den! Easy commute to neighboring towns. Priced to sell. Schedule a showing today! |
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!
Check out more photos here!
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!
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.
Schedule a showing today!
803-567-LIST
Gorgeous Home on Premium corner lot in Desirable Rosemont! Open floor-plan features Rich Wide Plank floors thru-out main! Private Study w/French doors! Grand Formal Dining Rm w/moldings. Spacious Great room w/Fireplace w/stone, adjoins Stunning Kit, Antique glazed 42″ Cabs, SS appliances ,Granite Counters w/long Center Island w/bar seating! Brite Morning Rm! Huge Master w/Deluxe Bath-Double granite Vanity +2 Walk-in closets! Huge LOFT/MEDIA Area! Fenced Yard-Custom Paver Patio w/Fire Pit! Top Schools! Amenities!
Gorgeous Home on Premium corner lot in Desirable Rosemont! Open floor-plan features Rich Wide Plank floors thru-out main! Private Study w/French doors! Grand Formal Dining Rm w/moldings. Spacious Great room w/Fireplace w/stone, adjoins Stunning Kit, Antique glazed 42″ Cabs, SS appliances ,Granite Counters w/long Center Island w/bar seating! Brite Morning Rm! Huge Master w/Deluxe Bath-Double granite Vanity +2 Walk-in closets! Huge LOFT/MEDIA Area! Fenced Yard-Custom Paver Patio w/Fire Pit! Top Schools! Amenities!
Reverse Mortg
age – is a special kind of home loan that allows homeowners to convert a portion of the home’s 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. Don’t 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. Don’t 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. Don’t 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. Don’t 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. It’s 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.
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