Definition of a "Buyers Market" - A buyers market means that there is a larger supply of inventory, than there are qualified, willing and able buyers. Some people are confusing a Buyers Markets with Sellers Are Desperate! Not all Sellers are Desperate. All the news and media talking about the Housing Market and the State of The Market talks as if every seller is desperate. This is not at all the truth.

During a Buyers Market, Pricing a House to Sell is one of the single most important factors. As your Real Estate Agent it is my job to determine whether the house is priced correctly before we submit an offer. A CMA, Comparartive Market Analysis will provide me with the information I need for you to determine what a Fair Offer would be.

Just putting in an offer without first knowing if the property is priced correctly, you run the risk of what is called "Low Balling a Seller" and that can have serious consequences. Buying and Selling Real Estate is filled with emotions, there is a fine line between insulting a Seller and making an Offer that is worth Negotiating.

As your Realtor I will guide you and give you the information you need to make a reasonable offer. The listing agent will then present the offer to the seller. No matter what the offer is, it must be presented to the seller. Once both the buyer and seller agree on the terms and conditions of the contract, the contract is called ratified. At this point financing is finalized, the attorney starts working on their part, and inspections are ordered. After the home inspection it may be necessary to negotiate again with the seller on fixing what ever the inspector may have found.

            Don't Wait to get Pre-Qualified, Start By Getting Pre-Qualified!

                                 Convential - Super Jumbo Loans - FHA - VA

In Most Businesses, Knowledge Equals Power, and Real Estate is Certainly No Exception

                                               " Know Your Options "

                             There is a Right & Wrong Way to Do Everything 

          But Did You Know There Is a Right Way to Shop For a Mortgage?

Do You Know Everytime Your Credit is Pulled It Affects Your Credit Point Score?

When You are Ready to Shop Around for a Mortgage (which you should) Use a 7-10 day Time Frame...

1.Alerts Are Obvious that you are Shopping for a Mortgage - All Mortgages are not Created Equal

2.Don't Make Any Large Purchases the Few Months Leading Up to Apply For a Mortgage.

3.Pay down Those Credit Cards - Look at Your Total Debt verses Income. Being Honest With Yourself with You Disappointment, Your Lender is Going To Check Your Debt to Income Ratio! 

4.Do Not Apply for Any New Credit, It Will Affect Your Credit Score

5.Know or Have a Good Idea of What Your Credit Score Is Before You Go in to Apply for a Mortgage.

Different Lenders Offer Different Packages... 

1.Shop for a Mortgage & Lender with the Terms That Are Specific to Your Situation 

2.Make Sure You Feel Comfortable Talking to The Mortgage Broker You Choose (Like and Trust this Person)

Purchasing a Home is A Big Deal...Preparing Before you Start Looking can Save You A Lot of Pain!

Do You Know The Difference Between Pre-Qualification, Pre-Approved and Qualified? 

Pre-Approval is based upon the Information You Have Given Your Lender, sometimes over the phone or on-line.

Pre-Qualification - You Actually Provide Your Lender with the Necessary Documentation that Supports the Pre-Qualification Information

Qualified - You have found the Property you want to Purchase. Once we have a Ratified Contract (both buyer & seller have agreed on price and the terms). I Fax or Email the Contract to Your Lender, Lender then submits All Necessary Documentation to Underwriting for Final Approval.

2. Know what you want in a house before you start looking. Make a must have list, and a would like to have list. Knowing which part of the beach you want to live in is a big help. If you are new to the area and don't really know, think about where you are going to working. With gas prices going up and up many are chosing to live closer to where they work.

 3. Trust and Feel Comfortable with me as your Realtor. As your Realtor I am going to be working close with you, you knowing that you can trust me is vey important to me.

 4. Know what to expect, from House Hunting to the Closing Table. I will be there every step of the way. My job is to make this process as smooth as possible, to ease your stress and add fun. 

* Please Know That We Will Not Share/Trade Any of Your Personal Information You Provide On This Site. The only information required is a valid email address, if you choose to give your telephone information it will only be used by Kimmie and Only at Your Request.

 The Day Is Here! What Happens On Closing Day

Here's how it works: You own a house and get a loan from a bank. Although there are a "carload" of papers that you have to sign (many of which in my opinion are unnecessary), the three most important documents are (1) the HUD-1 settlement statement; (2) the promissory note; and (3) the deed

Let's quickly look at each document:

HUD-1: This is the settlement (escrow) statement, which spells out all costs involved in your real estate transaction. I recommend that you keep this document forever because it will assist you when you file your tax return, and if the IRS should investigate your tax situation.

Promissory Note: This is basically an "IOU." You promise to pay the lender XX number of dollars, and the terms and conditions of the loan are -- or should be -- carefully spelled out in this document.

Deed Is Recored: In Horry County, State of South Carolina - Once You and Your Attorney have sat down and signed what seems like an endless stack of Paper Work. The Attorneys Office then either has the neccessary paper work sent to the Court House or Takes It Themselves to Conway, SC for Recording. In some case Recording Can be done the same day as Closing but if Closing is at the End of Day it Will Most likely be the Next Day. Keep that in mind when you & your agent are writing the offer. In most cases after the Closing Day Owners will receive a Package in 7 - 10 business days for Your Safe Keeping.

Once the "Deed is Recorded" the Home is Legally Yours and You Receive the Keys.

 When you're ready to begin contact me. I work on behalf of my buyers.
I negotiate the absolute best price.
I simplify your transaction for you as much as possible.

I look forward to working with you and for you.

Thanks for stopping by,
Kimmie