I hate Bank of America

I hate Bank of America The pain and anguish of all anyoe that has had to work with Bank of America in a Real Estate Transaction of any kind.

I am a Realtor in Charleston South Carolina that is just fed up with the run around BOA is putting not only myslf, but all my unfortunate clients thru as well. Its incredbile that a few thousand dollars, less than 3% of a sales price, can keep a buyer from buying their dream home. Sellers have to fill out soo much paperwork and repeat their stories of why the economy had made it impoossible for th

em to pay their mortgages. As if its not bad enough they are already in financial trouble. The banks wants Hardship Letter after Hardship Letter... sellers have to re-live their own misery and tell their sad story over and over again. I have had one house under contract 5 seperate times in 2 years and most recently it was 5k off the approved list price.... 75 days later, another home that the buyers really liked, dropped their price into their range and they Released. It was really heart breaking for my clients of course, a husband and wife who fight for our country in the armed forces.... Hope they enjoy their foreclosures.

GREAT NEWS FOR RATES!! 🎉Today's inflation reading was very encouraging. The FED is on track to cut rates on 9/18! The on...
08/14/2024

GREAT NEWS FOR RATES!! 🎉

Today's inflation reading was very encouraging. The FED is on track to cut rates on 9/18! The only question is whether it will be 1/4 or 1/2 a point!

If you're wondering whether a refi makes sense, reach out to me, and let's go over the numbers. We can do the upfront work to get you set up for an effortless transaction! 🏡💼

🚀 Just helped a long-time friend with a new Down Payment Assistance program! Qualified him for a $600K purchase in Mount...
08/09/2024

🚀 Just helped a long-time friend with a new Down Payment Assistance program! Qualified him for a $600K purchase in Mount Pleasant, SC, with the seller covering 1.4% of the purchase price ($8,500) as a concession. And guess what? He only needs to bring $120.00 to closing! How sweet is that?! 😎

If you're thinking, "I want to get into real estate but don't have cash for a down payment or closing costs," I've got you covered! 💪 Reach out, and I'd be happy to show you how to make it happen.

08/09/2024

We are getting closer to REFI time for a lot of borrowers out there! Some are actually already there. If you have a rate in the 7's lets talk about saving you some money each month!

08/02/2024

Rates touched their lowest point in 15mos today! Just for a short time, but looking to rally beyond!

DID YOU KNOW??Yesterday brought us headlines regarding an Israeli rocket attack in Beirut. Rates tend to improve in resp...
07/31/2024

DID YOU KNOW??

Yesterday brought us headlines regarding an Israeli rocket attack in Beirut. Rates tend to improve in response to events that increase the risk of more widespread war. This is most commonly known as a "flight to safety."

A "flight to safety" is an investment behavior where investors move their assets from riskier investments to safer ones during periods of economic uncertainty, political instability, or market volatility. This shift is aimed at preserving capital and minimizing potential losses. Safe-haven assets typically include government bonds (like US Treasuries), gold, and other assets perceived to have lower risk compared to stocks or other more volatile investments.

Yesterday's example was fairly small, but it helped move rates from slightly higher to slightly lower on the day.

07/29/2024

I put the FUN back in Funding!
Purchasing or Refinancing doesn't have to feel like a trip to the Dentist! Let me prove it to ya :)

I have a pretty cool new loan option to play with... Mixed Use DSCR!
07/25/2024

I have a pretty cool new loan option to play with... Mixed Use DSCR!

NEW LOAN PRODUCTS NOW AVAILABLE!!
07/22/2024

NEW LOAN PRODUCTS NOW AVAILABLE!!

07/22/2024

🌟 We are in a new stage of this cycle based on the data we're seeing! 🌟

📉 Inflation has been retreating
📈 Unemployment is increasing
💳 Consumer debt is at historic levels
🏠 Housing inventory is almost 40% higher than last year, with 668,383 single-family homes available for sale last week.
📉 Mortgage spreads continue to tighten, a good sign toward sub 6% rates
📊 Analysts at Jefferies anticipate mortgage rates could reach 6.5% by the end of 2024 and 5.75% in 2025, unlocking $2.7 trillion in refinancing opportunities.
🏡 The percentage of homes taking a price cut has been trending higher for months, rising to 39% last week. That's above the historical average of 33% and more cuts than any recent July.
📉 The average outstanding interest rate on mortgages is 200 bps higher than when this cycle started.
📈 Pent-up demand for both sellers and buyers increases every day.
🗣️ The Fed talk is about "when to cut."

Are you thinking, "This all sounds great, but how does this affect me?" Let’s connect and discuss how you can benefit from these trends!


Appreciation reports coming out strong. For the month of April- 1.1% increase. YOY- 5.3% increase.Inventory is rising, b...
06/04/2024

Appreciation reports coming out strong.
For the month of April- 1.1% increase. YOY- 5.3% increase.
Inventory is rising, but we are still seeing overwhelming demand.
Its tough to get in, but its still a good decision to get in.

Suns Out! Tongues Out!🌞🐾 Read about how you can have a beach day with your pup while following local regulations.Isle of...
06/03/2024

Suns Out! Tongues Out!

🌞🐾 Read about how you can have a beach day with your pup while following local regulations.

Isle of Palms
Permits | Dogs must have a permit displaying their vaccines at all times. They should also have a metal tag on the collar as a license to show they have the rabies vaccine. Get your permit for free at the Isle of Palms Police Department at 30 J C Long Blvd.

Play time | Your pup can run wild and free off-leash from 5 to 9 a.m., April 1 to Sept. 14. The times change to 4 p.m. to 10 a.m. starting Sept. 15 until March 31. Be sure to have your leash handy at all times.

Folly Beach
Permits | To get a pet license in this surf-haven, you have to be a Folly Beach resident or must be staying there for more than 30 days. Send your rabies information and completed forms to [email protected] to apply for a permit.

Play time | Dogs are only allowed on-leash at Folly but they can be on the beach between 6 p.m. to 10 a.m. from May 1 to Sept. 30.

Sullivan’s Island
Permits | All dogs are required to have a license to be on the island. Licenses are $25 for residents and $50 for non-residents. You can get one by presenting your rabies vaccine, driver’s license, and current address to Town Hall at 2056 Middle St.

Play time | Summer dogs can play from May 1 to Sept. 30 from 5 to 10 a.m. off-leash and 6 p.m. to 5 a.m. on leash. In the off-season (Oct. 1 to April 30), pets can be off-leash from 5 a.m. to 12 p.m. and on-leash from 12 p.m. to 5 a.m.

Address

1387 Harbor View Road
Charleston, SC
29412

Telephone

843 323 1150

Website

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