VA mortgage loans offer 100% financing to Tega Cay homebuyers!

If you have ever served in the armed forces you might be eligible for VA home loan.  The Department of Veteran Affairs offers lenders a guaranty on the loan so lenders can offer qualified veterans a 30 year fixed rate mortgage with no money down and no monthly mortgage insurance!

Your VA entitlement does not guarantee you a home loan. You still have to qualify based on your income and credit.  If you have ever served and you aren’t sure if you are eligible, I can check it for you FREE of charge.

VA home loans are available up to $417,000!

There is a funding fee charged on VA loans based on usage, but you might be exempt if you have any VA related disability.  10% or more disability means you don’t have to pay the funding fee, and even if you do, the fee can be rolled into the loan!

Interest Rates on VA loans are averaging between 5% and 5.5% right now for 30 Year Fixed.  For more information you can contact Olan Carder at 980-721-7478 or visit www.LoansByOlan.com.

Its a buyers market even in Fort Mill or Tega Cay, SC. I found a few tips I want to share with my home sellers.  

Below is a reprint of an article by David Sobel and RISMEDIA. The article has good tips for sellers on how they can increase curb appeal to make sure buyers come in to view their home.

By David Sobel

RISMEDIA, Jan. 17, 2008-You’ve all had that experience with a client where you drive up to a house and they don’t even want to go inside. It’s an immediate “un-appeal.” You may know the inside of the house shows much better, but you just can’t convince them to spend the time to even go inside. In today’s market where lots of choices in housing are available to the buyer, why should they?

Here are some easy, inexpensive fixes that will help create that outside appeal and get you one, giant step further to a sale.

1. Paint or stain the front and garage doors, especially if they show any weathering. These are the first visuals where a potential buyer focuses. If garage doors are metal and dented, they may need to be replaced.

2. Any old, basically abandoned sheds or small structures, must be removed, the area graded and the grass replaced.

3. Change any dated, outside light fixtures.

4. Fix that driveway. If it is blacktop, make sure cracks and crumbling areas are dug out and filled and then the whole driveway sealed. If it is cement, have large cracks filled and repaired professionally. The buyer must at least feel they can drive the moving truck in confidently!

5. Make sure landscaping bricks are in their proper placement. Mowing, weed-whipping sometimes moves them and this is something the homeowner rarely notices, but makes the property look unsightly.

6. Fill in bare dirt under large shade trees. Plant shade-tolerant plants in defined planters or groundcover. Landscape properly for that area.

7. All landscaping beds should be cleaned out and updated for the time of year it is in your region. Place new bedding material down.

8. Have trees and bushes pruned and trimmed. If a bush or tree is looking old or about to expire, remove it and replace it with a similar size and type if you can. If there is a tree limb(s) over the roof, have them removed.

9. If the house needs painting and a full paint job is not in the cards; have it touched up professionally in the worst, most visible spots. Paint shutters and fix them if they are hanging crooked. At least this may help get your client in the front door, even if they negotiate a full paint job into the sale later.

10. If the house is sided, have it power-washed and have gutters and windows cleaned. Window cleaning inside and out makes the house feel updated and fresh, rather than old and dingy.

11. Make sure grass is in good shape, weeds are removed, trimming done regularly. So many sellers fall down on this job the minute the house is listed, and this is critical to selling a house quickly, especially one where the owners have already moved out. In snowy climates, removal must be done regularly too. If owners have moved out, make sure you have an HWA Home Warranty to re-assure buyers.

12. Keep garbage and recycle containers inside the garage, along with all toys and equipment. Make sure the garage is neat and organized. Painted walls and floors also go a long way in this area and are inexpensive to do.

13. Decks should be washed and repainted or re-sealed; plantings around them cleaned, weed-free and looking good. Patio furniture should be in excellent condition. Even though it is in the backyard, this is the area where the family can envision enjoying the warm days and the new yard.

14. If the roof has missing shingles and they can be replaced inexpensively, suggest this be done as it may save negotiation over a completely new roof. Roof repair needs and costs should be minor or the homeowner might as well replace the entire roof.

15. If the homeowner wants to do a bit more, suggest solar lights lining the driveway or installing a more attractive front door with lead glass inserts and replacing plain doorknobs with something more custom.

16. If you have an evening showing, make sure lights are on outside and inside the house. This is warm and inviting.

17. If it’s a holiday season, by all means decorate the home! Just like sugar cookies or vanilla scent on the inside of the house, this really says “it’s a home” and I can see myself enjoying life here! In the least, always have some greenery or flowers for the season on the front step or porch; even a birdbath with a little garden around it says home.

A link back to David’s Article

Walk the Walk What a Home Buyer Should Do before Closing – Fort Mill, SC.
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One of the final steps before the closing is called the final walk-through. This is an opportunity for you, the buyer, to see the property one last time before the money is exchanged and the purchase paperwork completed and filed.

It is important to note that this is not a home inspection. That should have been done weeks ago so there was adequate time to negotiate and address concerns. This is also not a time to nit-pick or back-track on agreed upon items. However, it is the right time for you to look! at the property and make sure it is in the condition you agreed to buy it. If repairs or upgrades were part of the deal, now is the time to make sure they were completed to your satisfaction.

Your real estate professional may or may not accompany you to the final walk-through. In either case, you will want to do the following:

• Open and close all windows, doors, garage doors
• Run all faucets and check for leaks
• Flush toilets
• Test outlets
• Check the basement, attic and crawl spaces
• Make sure that certain items as stipulated in the contract are left behind – i.e. light fixtures, window treatments, appliances, etc.
• Test the heating and air conditioning systems

In short, you want to make sure the home systems are operational and the seller has met the obligations laid out in the purchase contract.

If you do have a concern, bring it to the attention of your real estate professional and attorney. They can advise you ! about different courses of action. For instance, if it a significant expense, you may withhold money until a repair is made.

A final piece of advice: don’t skip the final walk-through. Because this is a busy time filled with packing and moving, some buyers are tempted to neglect this step. After all, you are so close to actually buying the home. In reality, the final walk-through is there to safeguard your investment.

This article is from Carmen’s Life at Home Newsletter January 2008 and Century 21. To see the entire newsletter, click here – Jan 08 life at home newsletter

On the Market for Fort Mill, SC
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What makes one home sell in a few weeks while another may linger on the market for what seems like seasons?

Well, each case is different, but it almost always boils down to one of these 4 factors.

Price – A home that is priced right will attract buyer attention. A fair and reasonable asking price that is in keeping with market demands will pique consumer interest and ultimately make the property more appealing.

Condition – Unless they are searching for an investment property, mo! st buyers are looking for a structurally sound home that has been well-maintained. In addition, a home that “shows well” is likely to sell quicker. This means the home is clean, well-kept, updated and appealing to today’s buyer.

Location – The better the location, the more likely the property will demand buyer attention. This could mean a single-family home in a charming town with an exemplary school system. Or it could mean a wonderful apartment in a great section of the city.

Market – Whether it is a “buyer” or “seller’s” also influences how long a property is up for sale. When the advantage is with the buyers, you may need to make allowances, such as

 a lower asking price or favorable terms to help your property attract a bid. Your seller agent is your greatest resource during your home sale. He or she can further explain how these factors will influence your particular listing.

This article is from Carmen’s Life at Home January 2008 Newsletter and Century 21. To see the entire newsletter click here – Jan 08 life at home newsletter

Happy New Year to all! As the new year starts I’ve been asked on several occasions what the re-sale market trends will be for 2008 in our community of Tega Cay, SC. There is much uncertainty in everyones mind as to the value of our homes today. Much of the information and reports I’ve been reading state a slow and steady growth of resale sales.

Even in Tegca Cay or Fort Mill there will be more inventory and buyers are slower to make decisions. Gone are the days of multiple offers and quick listings. Today’s buyer is taking a step back and looking for value. They want to be impressed, they are informed, and they are slow to give second chances.

From Carmen Miller’s January 2008 Life at Home Newsletter. To see or download all of the January newsletter click here Jan 08 life at home newsletter

SOLD HOMES FOR OCT-DEC
25 Homes Total, 13 in Lake Shore
Avg. Sq Ft 2,829
Avg. Sold Price $325,392
Avg. Days On Market 112
UNDER CONTRACT AS OF JANUARY 15
15 Homes Total, 6 in Lake Shore.

Lake Shore is a subdivision located in Tega Cay South Carolina

This analysis was done by Carmen Miller and is featured in Carmen’s January 2008 Life at Home Newsletter. To see or download all of the January newsletter click here – Jan 08 life at home newsletter

The National Association of Realtors® announced in their latest homes sales forecast that existing home sales are projected to trend up in 2008 while recovery of new home sales is unlikely before 2009.

Click to read more of the NAR press release

In October 2007 I contacted and asked each Tega Cay, SC. City Council candidate to write and submit to me information about themselves to print in my first Lake Shore Newsletter. Below are the 4 candidates that responded and their printed information.

RON KAZEL

Dear Lakeshore Residents:
My wife and I left a city plagued by problems created by rapid growth and no master plan: crisis planning, inflated home values that crashed when city taxes escalated to pay
for short-term fixes. We learned that decisions regarding growth need to be based on solid research, and to clearly support community goals. Past Tega Cay annexation decisions need to be analyzed in terms of city income vs. costs. Future growth must be smart growth – making economic sense, enhancing our quality of life. I know that we can work together as a community. I’ve met with individuals and families who support the research-based decision making required to meet the demands of our future. We need a City Council that can ask hard questions, and provide an open, real exchange of opinions that includes public insight. I’m convinced the leadership and energy needed to govern Tega Cay will come from a blend of new perspective with historical knowledge. I’m ready, willing, and able to be a part of that Council. I count on your support to pursue our vision of a phenomenal tomorrow. If you have any questions please feel free to contact me – 548-7914 or EduExp@comporium.net. Thank you!

George Sheppard

I have a background in nonprofit, church and corporate work with 21 years in the same industry. After moving with my wife and 12 year old daughter to Tega Cay in February 2006, I felt immediately at home and passionate about our new city. After working on projects with the city and within my own neighborhood I was encouraged by many to run for a seat on City Council. I would like to see better communication between the city and residents, and public service groups working to keep up with growth. Recent economic growth in Tega Cay has developed by way of annexation, and I see that as accelerating business development and thus improving our tax structure, reducing the risk of increased taxes to our residents. Growth, regardless of origin, is often traumatic but must be faced honestly, wisely and with great care as to not overburden our public safety. Also, in an effort to bridge the perceived gap between Tega Cay residents residing in the Lake Shore subdivision and those residing in Historic Tega Cay, I would like to see a better understanding of the abundant volunteer opportunities Tega Cay has to offer its residents. Helping to get Tega Cay involved as one whole city. If elected Nov. 6th I will work toward maintaining the homey atmosphere of Tega Cay while keeping an open mind to new ideas and representing all of the people of Tega Cay. I currently serve on the Parish Council, teach Religious Ed. and am a Eucharistic minister for St Philip Neri Church. I am a member of the Lions Club, and enjoy volunteering for Habitat for Humanity. In NY I sat on a regional Board of directors and chaired a local chapter of a not for profit organization dedicated to protecting children. Visit my blog at: http://sheppardtegacay.squarespace.com

HOPE MACBRIDE

Hope, her husband Jim, and son James II moved to Tega Cay from Western New York over 13 years ago. Our son James II graduated from Fort Mill High, University of South Carolina, and is completing graduate work at Clemson. Since moving to Tega Cay, Hope has worked for Bank of America, currently as Business Support Manager. She attended Montreat School of Professional Studies earning her BBA in 2001 and MBA in 2004. Hope is dedicated to the community of Tega Cay. Throughout the past 13 years Hope has been involved in the Lioness Club, took a stand against Wal-Mart, and over the past three years has served on the Finance Committee, currently as Chairperson. As our area continues to grow, City Council will need to explore new and innovative ideas
to collectively address the residential, business, and recreational expectations for our city through sustaining an open forum with the citizens of Tega Cay; keeping communications open; maintaining adequate fiscal responsibility to ensure that the services and needs of the community will continue to be met; staying well informed and up-to-date on city issues; making educated, informed decisions.
VOTE ON NOVEMBER 6:
HOPE MACBRIDE
803-493-4337
BLOG: http://hmacbride.squarespace.com/
Email: hopemacb@lycos.com

LARRY HARPER

I am currently ending my second four year term on council which began in 2000. Prior to that I served on the Planning Commission for almost ten years, the last five as Chairman during some difficult times. I have a civil engineering degree from Clemson and until last year, was employed at Duke Energy for 26 years. I have watched this city grow from a budget of a few hundred thousand to over $5 million this year. With that growth has come many challenges and many accomplishments, Lake Shore Development being one of the most significant as it spurred growth with a new utility company TCUD, and provided amenities such as the beach center, golf club and other assets for the city. I strongly believe in a government that does not infringe on personal property rights and have fought to make it so. I believe safety and communication with citizens are top priorities for government. There is much more work to be done and I would like to focus on issues relating to running the city and future planning for major projects. I understand the frustration expressed by citizens, when they think they are not being involved and I have definite plans to assist in this area. I would like to continue serving as your councilman, as my experience helps me understand how the past affects our future. I look forward to working with all of Tega Cay to make this a better place for our children and families.

Click here Download November 2007 Newlstter

“THE RIGHT HOME IS NEVER AN ACCIDENT”

October – 2007

From Carmen Miller

I wanted to thank all of you again for your support. In the last three weeks I have listed three homes in Lake Shore subdivision of Tega Cay and sold a home in Heron Harbor in Tega Cay.

Your support and referrals are making my success possible. I am LOVING my career! Please continue to keep me in mind as you come across friends, neighbors, or relatives who may be in need of a Real Estate Professional.

If you haven’t had a chance yet please visit my web site at www.carmensmiller.com. I have a virtual tour posted for my listings and Market Information you may find helpful

Don’t Forget

Moving day is typically a high-stress occasion. No matter how organized and prepared you are, there is always a chance for a few things to fall through the cracks. Here are seven things to remember on the day of the big move.

1. Keep all valuables in your possession. This includes important paperwork, collections, family photos, jewelry, heirlooms, checkbooks, wallet/purse and the like. You do not want to hand these over to movers if possible.

2. Charge your mobile phone and keep it with you. In addition, take along your address book. And before the movers depart, be sure to exchange contact information.

3. Remember to ask for a copy of the inventory from the movers. You should also note the condition of your property before they leave.

4. Take out cash for incidentals. You may need to fill the gas tank or need money for lunch on the road. If the move is taking place within one day, you will want to tip the movers if the job is completed to your satisfaction. A good rule of thumb is $20 per mover.

5. Final payment for the moving company is traditionally due upon completion of the move.

6. Don’t forget medications. Like your valuables, it is better to keep medications for you and your family members or pets with you.

7. Check the house before you leave. Turn off the lights and turn down the thermostat and hot water heater. Give each room a final once over. Lock all the windows and doors.

CENTURY 21® AND THE UPROMISE ADVANTAGE

Because I’m a part of Century 21® First Choice- a participating Upromise office- you can receive up to $3,000 in college savings when you buy or sell through me. No additional fees, no gimmicks. Please visit www.upromise.com for more details and information.

Click to Download the October 2007 Newsletter

“THE RIGHT HOME IS NEVER AN ACCIDENT”

August – 2007

From Carmen Miller

I am pleased to present you with the latest issue of Life@Home. Delivered to Fort Mill and Tega Cay home buyers, sellers and owners on a monthly basis, this electronic newsletter is designed to give you the real estate information that is important to you.

In each issue, you will find practical tips and articles related to buying, selling or owning a home, as well as the latest news on real estate trends. I hope that you enjoy this issue of Life@Home. If I can be of any assistance, please do not hesitate to contact me.

DON’T MAKE THESE COMMON MISTAKES….

There is an art and a science to selling a home. So if you’ve never done it before, there is a pretty good chance you’ll make a few mistakes. Here are three common missteps.

1. Pricing the Home. Of course you want capitalize on your investment and turn a profit, but setting the price too high can be a crucial error. Potential buyers may be put off and not even come to look. It could also cause the listing to linger on the market and as the weeks drag on the property can seem less and less appealing.

2. Being Inflexible. Some sellers say they positively won’t sell for less than “X.” But in the long run, is a few thousand dollars worth losing a buyer over? The accommodating seller has a better chance of seeing a deal through to closing. This can also mean being flexible on things like timing, closing dates and other negotiating points.

3. Sidestepping the Prep Work. No home is ready for show right off the bat. Some time and money should be put into getting the property ready for sale. Repairs need to be made. Carpets need to be cleaned. Rooms need painting. Rushing the home to market can cost you in the end. One of the best ways to avoid these pitfalls is to hire the right seller’s agent. A real estate professional has the expertise you need to dodge these selling blunders. Advice on market trends, negotiating tactics and staging the home, are just a few of the insights a Realtor® has to offer.

STAGING IS A MUST…..

If you have been following the home selling lingo you are familiar with Home Staging for resale. .What will staging do for the sale of your home? Is it really a benefit? .How expensive is it to hire a Home Stager? .How do I find someone to help me? Give me a call and I’ll be glad to help you with these and any other questions you have on selling your home quickly!

Click to Download the August 2007 Newsletter